Most people think estate planning is something you deal with later in life. In this video, I break down why that belief causes real damage, real conflict, and real financial loss.

Through true-to-life stories, you’ll see what actually happens when someone has no will, no power of attorney, and no clear plan in place. This is not about preparing for death. It is about protecting the people, relationships, and responsibilities that matter most while you are alive.

If you have a partner, a pet, a roommate, a business, or simply people you care about, this conversation applies to you right now.

I also share the three simple documents every adult should have in place and why delaying this decision creates risks most people never see coming.

Balance Wealth Partners
https://www.balancewealthpartners.com/
404-441-9387

🌐 Connect With Balance Wealth Partners
💼 Website: https://www.balancewealthpartners.com
📸 Instagram: https://www.instagram.com/balancewealthpartners
🔗 LinkedIn: https://www.linkedin.com/in/jeffpanik
▶️ YouTube: https://www.youtube.com/@balancewealthpartners

Most investors watch the markets every day but overlook the single institution that influences them the most: the Federal Reserve.

In this video, I explain what the Fed is, why it was created, and how its decisions directly affect stock prices, bond markets, mortgage rates, and long-term investment performance.

You will learn how the Federal Reserve operates, what the FOMC actually does, and why interest rate decisions can drive market volatility and economic cycles.

Understanding Fed policy is not just helpful for investors. It is essential for protecting wealth, managing risk, and positioning your portfolio for the future.

Balance Wealth Partners
https://www.balancewealthpartners.com/
404-441-9387

🌐 Connect With Balance Wealth Partners
💼 Website: https://www.balancewealthpartners.com
📸 Instagram: https://www.instagram.com/balancewealthpartners
🔗 LinkedIn: https://www.linkedin.com/in/jeffpanik
▶️ YouTube: https://www.youtube.com/@balancewealthpartners

Let me be blunt. Procrastination is not an estate plan.

I’ve spent more than 25 years working with families as a financial adviser, and I can tell you this with certainty: the biggest estate planning mistakes don’t come from bad intentions. They come from waiting for “someday.”

In this short video, I break down why estate planning isn’t about money, lawyers, or complexity. It’s about clarity. It’s about protecting the people you love from confusion, conflict, and unnecessary stress when they’re already dealing with enough.

We’ll talk about:

• Why avoiding estate planning is one of the most expensive decisions you can make

• The simple questions every family must answer before it’s too late

• Real consequences I’ve seen when plans aren’t in place

• How 30 minutes of preparation can save your family years of hardship

This isn’t fear-based. It’s responsibility-based.

The webinar I mentioned is complimentary, but the peace of mind it creates for your family is invaluable.

Your future self, and your family, will thank you for not putting this off.

Register Below:

February 26th:

https://us02web.zoom.us/webinar/register/WN_qWScAlJkRWGOJem2BUwL7Q

March 3rd:

https://us02web.zoom.us/webinar/register/WN_pXBwhQqfRJe6AXajxBvRsA#/registration

Balance Wealth Partners

https://www.balancewealthpartners.com/

404-441-9387

🌐 Connect With Balance Wealth Partners

💼 Website: https://www.balancewealthpartners.com

📸 Instagram: https://www.instagram.com/balancewealthpartners

🔗 LinkedIn: https://www.linkedin.com/in/jeffpanik

▶️ YouTube: https://www.youtube.com/@balancewealthpartners

#EstatePlanningNow #WhyEstatePlanning #WealthPlanningTips #PlanYourLegacy #BalanceWealthPartners #EstatePlanningWebinar #FinancialLegacyPlanning #WealthManagementStrategies #SecureYourLegacy #EstatePlanningMatters #LegacyWealthPlanning

Financial literacy, budgeting, credit score, student loans, emergency fund, investing basics. If you are a young adult trying to figure out money without a real playbook, this episode is for you.

On Vet SOS @vetsospodcast , we break down the exact framework I wish I had when I left high school and walked into student loans, credit cards, taxes, car payments, and all the “adulting” decisions nobody trained us for. I share the core ideas behind my book Your Future Is Now and the real-world lessons I learned through the Army, debt repayment, and 25+ years in financial services.

We cover the foundation that makes everything else easier: building a budget that actually sticks, setting up an emergency fund before life hits you with a surprise bill, avoiding credit card traps, choosing the right banking setup, and understanding how to think about taxes and insurance without getting overwhelmed.

This is not about getting rich quick. It’s about getting stable on purpose so you are not paying banks and credit card companies for the next decade when you could be paying yourself.

If you want the book, you can find it on Amazon and Barnes & Noble, or download the first book free at jeffreypanik.com. A portion of proceeds supports K9s For Warriors.

Balance Wealth Partners

https://www.balancewealthpartners.com/
404-441-9387
🌐 Connect With Balance Wealth Partners
💼 Website: https://www.balancewealthpartners.com
📸 Instagram: https://www.instagram.com/balancewealthpartners
🔗 LinkedIn: https://www.linkedin.com/in/jeffpanik
▶️ YouTube: https://www.youtube.com/@balancewealthpartners

#VetSOSPodcast #VeteranFinancialWellness #MilitaryMoneyMatters #VeteransWealthPlanning #FinancialSupportVeterans #BalanceWealthPartners #VeteranLifeStrategy #ServiceToSecurity #VeteranPodcastGuest

Most retirees don’t lose money because they invest poorly.

They lose it because of rules they didn’t know existed.

One of the most expensive examples is IRMAA, the Income-Related Monthly Adjustment Amount. It’s a Medicare surcharge that can quietly add thousands of dollars per year to your healthcare costs, often without warning, and based on income from two years ago.

In this video, I break down exactly what IRMAA is, why it exists, how it sneaks into otherwise solid retirement plans, and most importantly, how to reduce or avoid it legally with smarter planning.

We’ll cover:

• Why IRMAA works like a financial cliff, not a gradual tax

• How one extra dollar of income can trigger massive premium increases

• Real strategies I use with clients to minimize the damage

• What to do if IRMAA has already hit you

• When it makes sense to appeal and how to do it correctly

IRMAA should never be ignored, but it also shouldn’t control your entire retirement strategy.

The goal is balance, foresight, and smart timing.

If retirement is approaching, or you’re already there, this is one of those topics that can quietly protect your future if you understand it early enough.

Balance Wealth Partners

https://www.balancewealthpartners.com/

404-441-9387

🌐 Connect With Balance Wealth Partners
💼 Website: https://www.balancewealthpartners.com
📸 Instagram: https://www.instagram.com/balancewealthpartners
🔗 LinkedIn: https://www.linkedin.com/in/jeffpanik
▶️ YouTube: https://www.youtube.com/@balancewealthpartners

#IRMAAMedicareSurprise #HiddenMedicareCosts #MedicarePremiumIncrease #IRMAAIncomeAdjustment #MedicareCostShock #RetirementTaxSurprises #HealthcareCostPlanning #MedicareIncomePenalties #IRMAAFinancialPlanning #SmartMedicareStrategies

Retirement isn’t a clean finish line. It’s longer, more expensive, and more complicated than ever. In this conversation with Michelle Perkins on the Money and You Show, we get into what modern retirement really looks like and how to build a retirement plan that fits your life, not just your spreadsheet.

Considering long term care insurance? We cover why it pays to buy early, how to evaluate home care coverage, and why inflation protection is essential for long term financial planning. You’ll also learn the biggest mistakes people make with Medicare, Social Security, and rising healthcare costs.

We talk through real scenarios with aging parents, retirement income challenges, and the Financial Life Inventory approach that helps you make smarter decisions without overwhelm. If you want a clear, practical retirement strategy that protects your family and supports your long term goals, this episode will point you in the right direction.

Most solopreneurs are sprinting through their to-do list and quietly hoping their money “works out later.” The truth is later shows up faster than you think, especially when you’re building a business and a career at the same time.

In this episode of the Lifestyle Solopreneur podcast with host Flavia Berys, we dive into the real-world money mistakes that pushed me into the Army, the life lessons I learned the hard way, and why so many smart adults still feel lost when it comes to personal finance and entrepreneurship.

We break down the financial literacy gap, why entrepreneurs often struggle to manage income and cash flow, and the practical systems I use to help people simplify their finances. You’ll learn how to protect yourself from identity theft, why freezing your credit is one of the most important steps you can take, and how to search for unclaimed money that may already be owed to you.

I also share the core principles from my book “Your Future Is Now,” including how to build a financial foundation that supports your lifestyle, your business, and your long-term income goals without getting overwhelmed.

If you’re a lifestyle solopreneur, freelancer, or online business owner who wants financial clarity, stronger income habits, and long-term stability, this episode gives you practical moves you can make this week to get ahead in both life and entrepreneurship.

You can download a free PDF of my book here: jeffreypanik.com/freebook

Most financial resolutions collapse by February because they’re built on hope instead of clarity. In this video, I break down the one step that changes everything in 2026: completing your Financial Life Inventory. This is not a spreadsheet marathon or another “save more, spend less” pep talk. This is about getting organized so you finally understand what you own, what you owe, what’s protected, and what’s missing.

I walk you through exactly why most people fail at their financial goals, what the FLIP covers, and how a simple checklist can give you the kind of clarity most people go their entire lives without.

If you want 2026 to be the year you take control of your financial life instead of reacting to it, start with this. Your entire financial picture becomes easier to manage once the foundation is organized.

Download the Financial Life Inventory checklist at balancewealthpartners.com. Your clarity starts here.

Balance Wealth Partners

https://www.balancewealthpartners.com/
404-441-9387
🌐 Connect With Balance Wealth Partners
💼 Website: https://www.balancewealthpartners.com
📸 Instagram: https://www.instagram.com/balancewealthpartners
🔗 LinkedIn: https://www.linkedin.com/in/jeffpanik
▶️ YouTube: https://www.youtube.com/@balancewealthpartners

Starting December 17, something pretty remarkable goes live. Every newborn American born between 2025 and 2028 is eligible for a $1,000 investment account funded by the government.

In this video, I walk you through exactly what a Trump Account is, who qualifies, how the money is invested, and why starting at birth completely changes a child’s financial trajectory.

This isn’t hype. It’s compound growth, real market exposure, and a rare opportunity for families to give their kids a true financial head start, regardless of income.

I’ll also cover how to open the account, how much you can add each year, and what your child can actually use the money for when they turn 18.

2026 is bringing some of the most important financial changes we’ve seen in years and most people won’t understand them until it’s too late.

In this video, I break down what’s changing with Social Security, Medicare, retirement contribution limits, taxes, and estate planning, and what these updates actually mean for your real-world retirement plan.

Some of these changes can quietly help you build more wealth. Others can eat into your benefits if you’re not paying attention. My goal is simple: help you see the full picture so you can make smarter decisions heading into 2026.

If you want the full data card with contribution limits, tax numbers, and Medicare costs, you’ll find the download linked here.

Every week, I help people grow and protect their wealth. But there’s one threat most Americans overlook: their digital security.

Cyber criminals aren’t just targeting big corporations anymore; they’re going after everyday people. Your bank accounts, investments, and personal data are wide open if you’re not paying attention.

That’s why I created the Savvy Cyber Security Quick Reference Guide.

It’s not another tech manual. It’s a simple, practical, step-by-step system that helps you:

• Instantly see how protected you really are (in under 2 minutes)
• Identify if you’re in the safe, warning, or danger zone
• Take quick, specific actions to lock down your digital life

Inside, you’ll learn how to:

• Build strong passwords that hackers can’t guess
• Set up fraud and transaction alerts
• Protect your kids’ credit before it’s ever compromised
• Spot and stop phishing scams before you click

Cybercrime is rising faster than ever and your financial safety depends on your digital safety.

Download the free guide, take the test, and see where you stand today.

For more practical ways to protect and grow your wealth, subscribe to the channel.

Balance Wealth Partners https://www.balancewealthpartners.com/
404-441-9387

In this video, I’m breaking down the five most dangerous scams of 2025. and how to defend yourself against them before they drain your bank account.

We’re seeing record-breaking levels of identity theft and fraud:

• $12.7 billion lost in 2024 alone
• 1.1 million identity theft complaints filed
• One case every 22 seconds

From AI voice cloning scams that steal your loved one’s voice to fake crypto exchanges and online shopping traps, I’ll show you exactly what’s happening, what to look for, and how to stay one step ahead.

By the end of this video, you’ll know:

• How criminals are using AI to impersonate people you trust
• Why crypto scams are evolving faster than regulations
• How phishing and “smishing” are becoming nearly impossible to detect
• What warning signs to look for before you click or transfer anything
• The five essential defenses that can keep your identity safe

Fraud isn’t slowing down; it’s accelerating. But awareness is your best armor.

If you found this valuable, subscribe for more practical financial insights and updates that actually protect your future.

📘 Preorder my new book: Your Future Is Now — Available 11/11 everywhere books are sold.

DOWNLOAD THE SAVVY CYBERSECURITY QUICK GUIDE HERE

Every week, another data breach hits the headlines: Equifax, Yahoo, Target. Millions of identities stolen, billions of dollars lost.

Most people still think, “It won’t happen to me.” That’s a dangerous assumption.

In this video, I explain why a credit freeze is the single most powerful and free way to protect yourself from identity theft. Forget credit monitoring or fraud alerts; those react after the damage. A freeze stops it before it starts.

I’ll walk you through what a credit freeze is, why it matters, how to set it up in 15 minutes, and why every American should do it today.

If you care about your financial future, start here.

#BalancedWealthPartners #JeffPanik #FinancialSecurity #IdentityTheft

How do top financial advisors future-proof their practices?

In this episode of the Top Advisor Podcast, Bill Cates sits down with Jeff Panick, principal of Balance Wealth Partners and author of Your Future Is Now, to unpack how a values-driven approach to financial literacy and legacy planning builds deeper client trust and bridges the gap between generations.

Jeff shares his personal journey from the U.S. Army to becoming a financial advisor, how writing two books became an essential part of his practice, and the strategies he uses to engage clients’ children and heirs.

If you're a financial advisor looking to deepen relationships, retain next-gen clients, and lead with humility, this episode delivers real talk and actionable takeaways.

Download free resources mentioned in the show: referralcoach.com/resources

Learn more about ProudMouth’s Influence Accelerator: proudmouth.com/kates

Jeff’s Firm: Balance Wealth Partners Jeff’s Book: Your Future Is Now: A Guide to Mastering Your Finances and Independence

Coming Soon: Your Future Is Now – Retirement Edition (Fall 2025)

In this episode of the Financial Freedom Podcast with Steve Richardson, we break down one of the biggest questions every retiree faces: How much is enough, and how do you plan for the life you actually want?

From my Army beginnings to my 25+ years guiding families through financial decisions, I share the lessons, tools, and strategies to help you align your money with your lifestyle goals. We’ll cover everything from Social Security, Medicare, and student loans to financial literacy, succession planning, and how to design a retirement that truly fits your values.

Retirement planning isn’t just numbers; it’s about communication, lifestyle, and making choices today that set you up for independence tomorrow. Whether you’re decades away from retirement or just a few years out, this conversation will help you put the puzzle pieces together.

Most people think charitable giving is just about writing checks, but the smartest investors know it’s also one of the most powerful wealth strategies available.

In 2024, Americans donated over $593 billion to charity, but few realized they could have given more, reduced their taxes, and created a lasting family legacy all at the same time.

In this video, I break down five proven philanthropic strategies that go beyond generosity, they’re financial tools that help you:

• Reduce your tax burden
• Grow your giving power
• Involve your family in meaningful ways
• Secure your retirement income
• Leave a legacy that lasts

Whether you’re donating $500 or $500,000, these strategies can change the way you think about giving forever.

The Federal Reserve is the most powerful financial institution in the world, yet most investors don’t fully understand how it works, or how much its decisions shape their wealth.

In this video, I break down the Fed’s history, structure, and impact on your portfolio. From why it was created after the 1907 panic to how interest rate decisions drive markets today, you’ll learn why following the Fed is essential for smart investing and long-term wealth planning.

By the end of this video, you’ll know how to track the Fed, anticipate its moves, and position your investments accordingly. If you want to protect and grow your wealth, understanding the Fed isn’t optional, it’s fundamental.

Over 25 years in financial planning has taught me something most people overlook: success isn’t always about how much money you have, it’s about when you act.

In this video, I share why timing matters, how small adjustments today can create massive results over time, and why waiting for “the perfect moment” can actually cost you more than you think.

If you’ve ever felt uncertain about the markets or questioned your financial direction, this video will give you clarity and confidence on your next step.

Many believe that building wealth comes down to pursuing the highest investment returns. The reality? Returns matter far less than three often-overlooked factors:

• Asset allocation
• Minimizing unnecessary fees
• Tax efficiency

In this video, I’ll share how, over 25 years as a financial planner, I’ve helped individuals and families simplify their financial lives and gain confidence in their future.

Whether you’re preparing for retirement, protecting your family, or ensuring you’re on the right track, this is the place to start.

I’ll also explain how a clear financial plan, rather than guesswork, can provide peace of mind and help you move forward with clarity.

Most people overcomplicate money. They chase trends, get lost in jargon, and miss the bigger picture.

I’ve spent 25+ years in financial services, built Balance Wealth Partners, and written two books to make finance simple, for young adults just starting out and for retirees looking for clarity.

In this video, I break down how to avoid costly mistakes, build confidence in your financial plan, and create a future you can count on.

If you’ve been putting off getting your financial life in order, this is the place to start.

Congress just signed the most significant tax reform in years , an 870-page bill packed with changes that directly affect your income, investments, retirement, and even your estate planning.

In this video, I’ll break down what actually matters for you as an individual investor: tax brackets, deductions, Social Security, new savings opportunities, and key business benefits.

My goal is simple: to help you cut through the noise, understand the changes, and position yourself to take advantage of new opportunities.

Stay tuned for my upcoming book, Your Future is Now: Your Blueprint for Solving Your Retirement Puzzle.