In this episode of the Financially Fit Couple podcast, host Matthew Gray is joined by disability insurance expert Grayson Owen. They discuss the importance of disability insurance, the types of coverage available, and how to determine the right plan for your needs. The conversation covers key factors like elimination periods, benefit duration, and premium costs, emphasizing the need for proactive financial planning. Listeners are encouraged to evaluate their current coverage, especially if they are self-employed or unsure about their employer-provided benefits. Grayson also addresses common misconceptions and provides practical steps for securing adequate disability insurance.

00:39 Introducing Grayson Owen: Disability Insurance Expert

01:29 Understanding Disability Insurance

07:56 Key Components of Long-Term Disability Insurance

19:33 Evaluating Your Coverage Needs

26:54 Action Steps for Ensuring Adequate Coverage

32:35 Final Thoughts and Professional Advice

Grayson Owen

Find Grayson on LinkedIn

grayson.owen@dibrokereast.com

The Income Protection Podcast

Matthew Gray

https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/

https://schrockfin.com/

Securities offered through LPL Financial Member FINRA/SIPC

In this episode Matthew Gray is joined by Rick Williams, a seasoned real estate expert, to discuss the intricacies of the home buying process. They cover various aspects from determining readiness to engage with a realtor, the importance of pre-approval, to understanding buyer beware states. Rick also sheds light on the benefits of having a dedicated real estate agent, the timeline from offer to closing, and strategies for competitive markets. The episode concludes with insights into current market conditions and advice for potential buyers.

05:36 Getting Started: Preparing to Buy a Home

10:57 Understanding Realtor Relationships and Pre-Approval

20:51 Navigating the Home Search Process

30:23 Making an Offer and Negotiations

38:29 Closing the Deal and Final Steps

52:47 Final Thoughts

Rick Williams,

540-416-1040

Rick.Williams@KlineMay.com

http://realestatewithrick.net/

Matthew Gray

https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/

https://schrockfin.com/

Securities offered through LPL Financial Member FINRA/SIPC

In this episode of the Financially Fit Couple podcast, host and CFP® Matthew Gray sits down with real estate financing expert Annie King to discuss various aspects of buying a home. They cover crucial topics including financing a first home, purchasing a second home or vacation property, and house hacking. Annie also explains the myths around the 20% down payment, the nuances of PMI, and the ins and outs of home equity loans and lines of credit. Additionally, they delve into scenarios like selling an existing home to build a new one, keeping your old house as a rental, and financing home renovations. The episode wraps up with practical advice for couples considering investment properties and the importance of early preparation in the home-buying process.

00:00 Welcome to the Financially Fit Couple
01:05 Annie King's Journey in Mortgage Lending
03:05 Understanding Loan Programs for First-Time Home Buyers
05:55 Debunking the 20% Down Payment Myth
08:48 Navigating the Process of Selling and Buying a New Home
12:54 Building a New Home: Land and Construction Loans
16:21 Exploring House Hacking
17:49 Understanding Down Payments for Second Homes
19:57 Financing Home Additions and Renovations
21:32 Home Equity Loans and Lines of Credit Explained
27:11 Pros and Cons of Moving vs. Renovating
28:05 Getting Started with Investment Properties
31:22 Preparing for the Home Buying Process
33:53 Conclusion and Final Thoughts

Annie King

540-437-7402

annie.king@pvfcu.org

https://www.pvfcu.org/mortgage/

Matthew Gray

https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/

https://schrockfin.com/

Securities offered through LPL Financial Member FINRA/SIPC