Let's Talk with Leaha & Rhonda

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This is a que un the studio's original program.

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The following is a paid program sponsored by Crawford management group and smart time consultants. Please be advised that the voices and opinions you hear do not represent the views of 91.5 Jazz and more the University of Nevada Las Vegas or the Board of Regents of Nevada System of Higher Education.

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Hi, my name is Leah Crawford.

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And I'm Rhonda Nolan.

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And you're listening to the let's talk with Leah and Rhonda show for all the beautiful entrepreneurs

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out there. This is for you. Good morning, Las Vegas. I miss Leah, how are you doing this morning? Hey,

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it's amazing. We are back.

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I'm back. I'm

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back. You're back. You're back. You're back. I want to say thank you. Cap. And I had a fabulous time last year. Having a good conversation. It's still my birthday month. All right. Even though last Saturday was the birthday. It is still my birthday month Happy Birthday to me next year is a pivotal one. We can party next year.

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I like it. I like it. And she is still accepting lunches, dinners. Coffee. So I still would like to celebrate her this month.

Unknown Speaker 1:09
You know, maybe, maybe not not not food. Maybe we go for walks and go walking and talking. I like that a little bit better. Ah, you know, but last week, we were talking about financial health this week. I know. I know. I said that. We're gonna go into the political stuff. But I had to get the right person in here. And I think I got the right person. All right. I'm not doing this political season. But since we were talking about financial Hill, make sense to delve into, you know, talking about investing, you know, in the real estate. And I got these two gentlemen in the studio with me, I want to tell you first of all, I've known one of these gentlemen, since I've gotten since I've been vacant for a long time. Yeah. Probably since about 2006 2006 2007. Might

Unknown Speaker 1:57
have been before to maybe 2004. That had it might have been okay. So that you want to know why doesn't three 2004 2004

Unknown Speaker 2:04
Because we were doing prepaid legal a long time ago. Right, right. And I have watched him evolve over the past 20 years, evolve in the past 20 years. He's a member of a divine non organization. beautiful wife, family. Just I'm just happy to know him. Because he's one of the people that helps me stay sharp. No, Mr. Ennis Williams, welcome to the less awkwardly around the show.

Unknown Speaker 2:34
Thank you. Thank you to the both of you. I appreciate the the warm welcome and kind words. And now I'm thinking that there had to be 2003 Because I don't even think I was a kid when I know.

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You know, you weren't you just became just

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before so it had to be there had to be Jonathan Wellington. Yeah, that's right.

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You had just yeah, just me fans.

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Organization. Are you part of

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the greatest high side fraternity Incorporated?

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We have your partner here.

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They named it twice. Don't Don't get me started.

Unknown Speaker 3:11
Okay, so he call from right. I know he got it. I know. I know. The season. Yeah. So I met Chris, I think I met you about two years ago, a year ago, two years ago. It's been a couple years years now. Did not know that you guys were related. But Chris was fourth. Welcome to the show. I don't know a lot about you. But I'm learning. But I know we've had healthy conversations because

Unknown Speaker 3:37
you've been here with this before. Yes, ma'am. I was blessed to come on the show with you and Miss Rhonda and, you know, be as nervous as I am still today.

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You don't need to be nervous. It's just us. It's

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great to be in the presence of excellence. Yeah, you wonder what they say that way. Thank you round a couple of queens that are doing great things getting great word out an amazing show. It's a pleasure to be opposed to be you know, be bartered. Well, thank you.

Unknown Speaker 4:03
Thank you for joining us. We appreciate it. But I want to learn

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a little bit about you a little bit about both of you guys for our listeners so that we can have a good conversation and because both of you guys are native Las Vegas, right? No, no,

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no native your native Yeah,

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no, ma'am. I've been I mean, you might as well call me native almost something you put it together. But I've been here in Las Vegas now about 20 years. But I'm a country boy from Georgia about Austin, Georgia. All right. I've moved here by way of the military 12 years in the United States Navy. met a young lady here in law that is a native Las Vegas and got two beautiful kids and it's a it's a pleasure that you I mean to know that I have a large family out here also that I was never aware of but getting to know better also too and that's a lot of Yes, ma'am. And it's been a blessing.

Unknown Speaker 4:55
I what I can tell you is thank you for your service first. Appreciate that.

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So living here for 20 years, and now you are working in wealth management. Yeah,

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I've traveled through the corporate side with a couple of different companies, Northwestern Mutual, New York Life moving into now, a more boutique and private sector with the Retirement Planning and Investment Advisory with applied wealth management. Love it. Love it. And

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my friend over here, yes, yeah, let's just talk about your background because you are a UNLV. Graduate.

Unknown Speaker 5:29
That's right. That's right. You know, we graduate graduated back in 2004. Actually, that was that was the year that I graduated. Actually, yes.

Unknown Speaker 5:42
You did, you didn't even know I plan to see.

Unknown Speaker 5:48
You know, started off after I graduated, started off actually in the public sector working, trying to do my good works as a juvenile probation officer. For for a while, all the while kind of in the background, doing some investment things and things like that, and transferred into or transitioned, I should say, into real estate and investments about 12 years ago, about 12 years ago, and kind of let go of the public sector moving into the private sector because I felt like, as much as I was doing inside of juvenile probation, I felt like the bureaucracy of it all was kind of handcuffing some of the good works that I could do. And actually the, the monetary piece of it, and how I could be more successful how I could contribute more how I could give more, as well as, take care of my family in a different way, offered a little bit more of an opportunity in this world. And And ever since then, you know, kind of as the same as, as Chris, you know, I've been a transition from, you know, the New York Life and other kind of more known into the boutique firm applied wealth management that myself and my business partner, Jermaine, who was out of California started because of the restrictions in the broker field in the in the brokerage world, right, where you couldn't necessarily manage every part. You know, we deal with a lot of professional athletes, we deal with entertainers, we deal with a lot of high net worth individuals. And in some of those phases, it's hard for us to manage the entire portfolio, right? Everything they have in real estate, if they have venture capital, if they have, you know, other other areas that aren't necessarily a part of that particular firm, then we couldn't necessarily manage the book. So we decided to open up our own firm that allowed us to be more diverse in what we could do, and more able to handle the clientele that we were engaging. So supply, Wealth Management, applied wealth management,

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apply Wealth Management,

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which started two and a half years ago, about two and a half years ago, we started applied wealth management. And it's been you know, it's been a journey. It's been a journey. It's been fun. Right? You know, we are our client bases is diverse, vast across the country. And it's growing, right? We're in a bunch of different states right now we're in offices in California, Vegas in Atlanta. Right. Nice. And looking to branch off into DC hopefully here soon. So,

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you know, we like dc,

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dc, some routes that you know, we do and we'll be here in a couple of months. But anyway, I digress. A couple of months. Yeah. Girlfriend, are you going? Oh, you're not gonna make. All right, we'll

Unknown Speaker 8:39
make I gotta stay here. To stay here. I'm rooting for a minute. Because I started something that I didn't realize I was gonna be as rooted in it as I had to be. It's all right, though. So right, those will make it fabulous. Because soon we're gonna be traveling around the world. So I'm gonna let you wander we have Paris. We are taping in Africa. Around the world. All right. All right. All right. So with that, I mean, being here locally. How did you even get exposed to that? Markets even want to do that type of company? Was it dude, I mean, just

Unknown Speaker 9:19
even in college, right, I was taking, you know, few economy classes, doing, you know, understanding, you know, investments, I would, you know, working at the county we would, you know, even as as officers back that we come in there in the morning, we pull up Morningstar, Morningstar is just a place where you find you know, read charts and understand investments, what's doing good, what's doing bad, we wake up in the morning do that. And you know, we'd have our individual accounts and everything like that and it was always a part of, you know, kind of my growth and you know, kind of my everyday world in terms of providing an understanding how to build and grow money.

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I read the Wall Street Journal. Yes, I

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do. You know, so funny because it They still delivered the paper, right? So my wife was always like, why do we got all these Wall Street Journal? Like, because this is important, right? This is where people talk about money. But I've since taken it to online so I can get, so I can get it just so she's not tripping with all these favors, because I hold on to it,

Unknown Speaker 10:18
honestly, but because they do have good articles in The Wall Street Journal, they do have good articles in The Wall Street Journal I used to read.

Unknown Speaker 10:26
Yeah, yeah, I like the Wall Street Journal. There's, there's a lot of good information out there. I'm always looking on, you know, different, different people who are given different perspectives on the economy, what's going on how the how the world is moving how, you know, real estate is doing right now and commercial and otherwise, right, and how that's, you know, affected by, you know, interest rates, and what the Fed is doing all of these things are a part of

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so, you know, let me ask you this. Do you follow the Federal Reserve? And the Treasury? Yeah,

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yeah. What's going on? You know, drone be talking, you know, I'm listening.

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Because you have to, because all of these factors come into play Absolutely. Elections. Oh, the

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election is key, you have to know what's going on in government, the economy, understanding what's what's happening, the Trump tax cuts that are, you know, sunsetting next year that people are not, you know, aware of, and what that looks like for some of our business owners and high net worth individuals. So people need to understand what these things are, especially if you're in business because you know, these things are going to have a tremendous impact on what your money is going to do.

Unknown Speaker 11:34
What's your money looks like? It does. I mean, it's I know for, and I pray that they do keep this the Small Business One that they're able to extend that one, because that QB is huge, especially for small business owners, small business owners. All right, you've been listening to the less talk with Leah and Rhonda show. I am Lea Crawford. Hi,

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I'm Rhonda Nolan. And we are so happy that you're with us today. While we talk about finance, management, and all those fun things.

Unknown Speaker 11:59
You got any questions? What is the last one listen to Chris, because, you know, it's, it's gonna take us to the show, right?

Unknown Speaker 12:06
Talk to the show. No, but this has a wealth of information. And what I love is, he synthesizes the information and makes it so that you can understand it. And he's not, he's not, he doesn't make you feel bad, because you don't know wants to educate you, so that you can understand how to make this thing called money. Right? We work for it. And then we give it away.

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make your money work for you. Because

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guess what, because money can get up and put on overalls every day.

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It can they can and if they allow me to win the Mega Millions or Powerball I will take that money tuck it away and live off the interest. It's possible keep the money working.

Unknown Speaker 12:46
It's possible say it doesn't have to be just something you heard about it could be something that's happened exactly. I'm living off the interest living off the interest all the interest that's right over and over again. That's right. And the interest is there an interest is That's right versus on interest.

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Generational generational. Generational

Unknown Speaker 13:02
right. That's what I'm trying to get to the interest is earning interest. So baby the work I did back in 2000 Right. You are getting paid for and 3000

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Right right. Exactly. Alright,

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so Chris, tell us about your background let's let's delve deeper

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well there's not much really to tell the shy guy oh well, the military was a Explosive Ordnance Disposal Technician in the

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in the first of all status lower and say it again use the desolate.

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I'm an adrenaline junkie. I like explosives bombs, things that nature. Working on disarming bombs on land underwater. That's what I did in the Navy.

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How long did you do that for

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years? Yes, man. Yeah, I'll find Navy Diver as well then 365 feet underwater diving mix gas helium and oxygen with a mark 16 rig jumped up a perfectly good airplane perfectly good

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day I'm just gonna jump ahead.

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And I'm also a member of a military fraternity, me beta phi where we were believing a lot of our veterans love you know, disparity with a lot of homeless veterans also so giving back you know, mean eradicate veteran in homelessness. Right. So that's a huge Yes, ma'am.

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And that's a problem in the valley. Absolutely. There's

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everywhere else in homeless veterans just here in Las Vegas alone. Oh, wow. Yes, ma'am. There's it I mean, just the homeless community has a lot of I mean, that's a whole nother subject we can go down down a whole nother path. Right. Do a lot of volunteering there. Working with those. With that and I got involved in wealth management because of the fact that I know what it's like to have a bad advisor or bad somebody the wrong thing. What's a bad advisor? Well, first off of people who, in my opinion that they do this job for him for money in a sale, and not actually help people. And I'm not gonna call any names, but you don't have to. The reality is that when you sit down and you have a conversation, you know, me need to make sure that you're having a full conversation and explaining why the numbers have to make sense. Typically, you find, you know, mean, I started heavily in the life insurance space, and I'm moving more so into the wealth management spot in the life and smart space people, you know, mean, it's that thing that you get when people just pass away, Miss misunderstanding the uses of it. And it's an important part. I mean, every day, we talked about people having we've said, signs, you see the people in the middle of the street asking for help. I mean, and it's something that pennies on the dollar, so having the fact that you know, it affected my family, when I lost my father, unfortunately, to cancer, he was 47 years of age. The problem was, we just didn't have the right number in place, my mother losing their retirement home, change their lifestyle to the day. So the idea of making sure it'd be important to me, we work in this industry that we sit down and having that conversation. It's not only about just the wealth management, having a conversation, that we're paying attention to everything that makes sense to you. And bringing that across as we work to build whatever that plan may be for you, whatever you're looking to accomplish.

Unknown Speaker 16:20
Because see, when I look at that, as at the insurance as part of financial health, absolutely insurance as part of financial health, and you really have to, like you pay in every you pay, most of us have car insurance, well, they have cars, and you pay in this, this person every month. So you need to call, it would be nice to call and get it we get a phone call from them, just you know, am do I have the right? Do I have the right insurance policies.

Unknown Speaker 16:42
But this time, last time, we talked to put a put a light on the children's policies, we talked about, you know, the use of life insurance with children, again, I want to go back and say Make no mistake, when we talk about life insurance for a child, it's not about a death benefit. It's about the use of how it works, what the use of it is, me personally, I'm a fan of it for college planning. As we've talked about last time, this time, I want to put a put paint a light on, you know, mean, an insurance that people can't stand, it's that one that, you know, you paid every month, and every month, you look at that bill, and you're like, I gotta pay that bill. For God forbid, if something happens, you sure happy that you paid that bill. And it's that insurance that you're insuring your own disability insurance. That's, you know, people don't realize that, you know, you go out, you make $100,000 a year, you never think it's going to stop or you put the other small things in place. But what happens if you get into some type of accident? And you can't go make that 100,000? Well, your job is not going to pay you. I will

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assure you if you let me just say if you're a one man show, you're in trouble. So yes, man, you need to have long term disability insurance,

Unknown Speaker 17:50
you got to insure your money. Exactly. You got to ensure that your that machine so disability insurance is that insurance and most of us miss most of us don't have most of us don't pay attention to because we don't think that we need it right? That time when you lose that opportunity. And that job is hurtin and the job hasn't provided disability insurance, and even the job only gives you 60% of your total income. And today, if you look at it on a monthly basis, can you live off really 6% of your income?

Unknown Speaker 18:13
Well, let me ask you this, though, because in this note, and as to why I'm sure everything, everything, everything around me, let me assure you, I will drive you let me assure you. And I tell people, I mean, I pay every day insurance bill property is the first bill and then the mortgage. Because I need to make sure that everything that that we're working for, is insured. Because if I stop working, you know, but I'm always open to expanding because if I don't have I will get it. You know, if I had you think

Unknown Speaker 18:38
about it that I think a lot of people don't understand is that, especially when it comes to building wealth, talking about generational wealth and things like that. It's one of the key components of that is making sure that or at least explaining to customers that you can buy generational wealth through the insurance, right, it's a it's a big piece of what that is a lot of times people, especially in our community, they look at it and they say, I don't want I don't want nobody doing better than what. So it's one of those things. It's a very bad,

Unknown Speaker 19:13
but it's dysfunctional, it's this one is dysfunctional in a way because I look at it as if I if I did the work, and I'm laying the foundation, if you don't do better than me, I'm gonna haunt you.

Unknown Speaker 19:25
I'm going to haunt you. We are supposed to set ours up. There was a conversation the other day I was listening to and in regards to like nepotism, right? And you know, for some reason, and our culture and nepotism is always the kid it's a very bad thing. It's not it's what should be going on. Right? Like we should be setting our people we should be putting our people in position we should be having the resources for us to do good. And a part of that, especially when you're talking about building wealth is not only building the wealth, but ensuring the world securing the world and making sure that the world last for generations. Yeah. And that comes with the teaching and understanding one of my one of my, one of my clients, you know, got a large sum of money. And one of the things that that was the discussion was, should I should I have this conversation with my children? Absolutely. They should know exactly what's going on, they should know exactly where the money is, they should know exactly how the money is building so that they can follow along and what what's going on, and they can continue the family legacy. We hold things tight, right? We took it tight, Big Mama said, don't tell nobody what you got. So you don't tell nobody, what you. But that's,

Unknown Speaker 20:30
but that's because we're scared of the child. That's going to take advantage of it and try to get to the money to use it versus leaving it where it is and making it because

Unknown Speaker 20:40
of the education and information that's not given from such a young age. Right? Money should be taught, right? We always talk about these things aren't taught in school, but they also need to be taught at home at home. Right. But what

Unknown Speaker 20:51
am I don't but the thing about it is is that being taught at home means that means the parent has to take the responsibility of learning about it. That's right. Yeah, I need to take on the responsibility of learning about it so that I can talk to my children about I'll give you an example. Rhonda does a banking class. My son has done the banking class for the past two years, and they do an amazing job with 100 black men, working with young children teaching them about banking. And for two years, I had to fight with my son, to for him to take this class. So this year, I'd invite with them Rhonda started to class I know about the class, I told him about the class, I said, But you have to sign up, didn't sign up when his friends came over to house instead, I signed up for banking class, I said, Did you? I said who was the person at the bottom of the email? He said, Rhonda? No. I said, Yeah, I looked at my son. I said, Did you sign up for the painting class? I think Rhonda got a text message later on.

Unknown Speaker 21:42
He texts me Hi. I was like No, baby, it's not too late. Here's what I need you to do. Give me your email address. And we'll take care of it. And so I expect to see him later on today in my class.

Unknown Speaker 21:58
Right. But the thing about it is what I'm noticing too, is who they're around who the children are around, what are they talking about? Right? What are they talking about? And if you're a parent, you know, talking to other parents exposing because they just might not know.

Unknown Speaker 22:14
That's right. That's right. It's a community effort, right to get this to get this information out. I you know, speak with my son all the time about who you surround yourself with the conversations that you're having the circle of friends that you have, right if you guys aren't on the same mindset of growth and, and understanding and always trying to lift each other up. Now, I'm not saying you can't go have fun, right? Do you can do that. But it's also, it's way more fun when you can afford it.

Unknown Speaker 22:40
Well. One other thing, me and Rhonda joke all the time, we just like we need to be around women that are progressive and moving forward. Because when we say that we're gonna take the trip. Yeah, we don't we go in. And we don't want to say I don't want to go with nobody. That's gonna be mad about a $20. Coke. I was like,

Unknown Speaker 22:58
boy, we're broke people is not the fun. No, we don't.

Unknown Speaker 23:03
We don't we don't. We don't. We don't. But what I do love is that we will help you. If you want to do something different. Just by being around us, you'll be exposed to different things. That's right. Any exposure you have take advantage of it. We can take you to the water, but I can't make you drink. That's right. That's right. That's right. Thank you, Dave. I can't make it drink it out. You've been listening to the less awkward Lee and Rhonda show. I'm Lea Crawford. I'm

Unknown Speaker 23:23
Rhonda Nolan. And we have learned a lot today. And that's what I like about the show is that we bring on entrepreneurs, and we learn something new every week,

Unknown Speaker 23:33
apply wealth management, applied Alliance, oh, applied applying,

Unknown Speaker 23:38
applying, applying and welcome to

Unknown Speaker 23:42
the application of everyday life. Conversations. Absolutely. So if I was a client coming in, what are some of the questions that you might ask me?

Unknown Speaker 23:54
Well, some of the questions that we may ask you are, you know, what is your savings plan? Right? Do you have a plan? Is it regimented and disciplined? Or is it just whatever's left over? I'm gonna figure it out at the end of the month, right? Is it systematic? And what you do, right? Is your savings account necessarily tied to your checking account? Right? Because Because we often noticed that if those two things are are hand in hand, your savings ain't really saving, right? You just, oh, I can, I can move that money real quick. And I get it back. Right. There has to be systems in place that allow you that just make it a little bit more difficult to get that money into the checking account to be spent, you know, right away. So

Unknown Speaker 24:37
what would your recommendation be? So if you were to start, first of all, you got to have discipline? Gotta

Unknown Speaker 24:42
have to discipline savings savings is the most important piece, right? Because your savings percentage is a lot of times more important than your investment return percentage, right? Because nothing happens without the savings right? If you can't save that the proper percentage rate which national statistics say should be about 20 to 30. percent right? That's what that's what it is. Most people spend about 95% of their 95

Unknown Speaker 25:05
plus 20 is 190. That math a Math and Math and Math Oh, man.

Unknown Speaker 25:15
Man is the most important part, right? They 95% they say, five? Well, if you're trying to retire, and work, if I'm gonna be working forever, those kind of the math doesn't matter. Math

Unknown Speaker 25:25
doesn't matter. That math saying the 9095 plus 30 is 120.

Unknown Speaker 25:31
And okay, yeah, so you have to have a proper savings plan. And in order to make sure that you're able to wealth plan in the proper way, right, we want to make sure that it's organized and structured, we want to make sure that we're looking at your, your taxes, right, we want to make sure that you know, a lot of our clients, especially in the in the higher net worth space, right? Entrepreneurs and otherwise, taxes are important, right? They're a huge piece of what that is. And we want to make sure that we're planning properly so that in retirement, the buckets make sense, right? The money that we're pulling from is tax efficient, right? tax efficiency is very key to what it is that we do, because of like we said all of these rules, laws, things that are changing, coming into place, making sure that money is the right way and and making sure that we don't have all of our money.

Unknown Speaker 26:21
He's not talking about wage wage earners. Now. Now you're talking about capital gains, we're talking about real estate investments. That's right. So we're taking forms and we're doing different things when we're buying stuff. We're buying stuff that enabled us to get credit, so we're making better decisions. And better, because we had the information guidance. Yes,

Unknown Speaker 26:37
most people in this world are only looking at 401 K. Right. And it's

Unknown Speaker 26:41
so much, but it's but it's what I look for. While being entrepreneurs, we 401k is not that's that's not it, you got to do something different and having a discipline, right. How can I get in touch with you?

Unknown Speaker 26:54
Yes. So you can reach us? Applied wealth? management.com right or applied with mgt.com? is what it is. Phone number 702-278-1899 email address. Ns Williams. That's E N. N S. Williams at Applied wealth. mgt.com. Okay,

Unknown Speaker 27:14
so I want to tell you, he just gave y'all his first hit best his cell phone number, because I know it by heart. That's his cell phone number. So 7022781897022781899. And the reason why I know about her because I got it 20 years ago. Ever since then. Got it. Yeah, you've had, you've had this number for a very long time. But I want to tell you, guys, thank you. Thank you for having a good conversation with us about money. And as I need to bring you back.

Unknown Speaker 27:44
Yeah, there's a lot of this because

Unknown Speaker 27:48
this is podcast. This is podcast over and over again, a real lesson. Have you ever thought about doing a masterclass on this? You know, what we have?

Unknown Speaker 27:58
We've discussed it, we thought about it, and it's, I'll say it's coming.

Unknown Speaker 28:03
It's coming. It's coming. And can I be a guest on your site? And

Unknown Speaker 28:06
also I want to I want to say congratulations to you, right Miss CPA, you know, I know the journey we spoke. I understand what it is I want to say congratulations. I looked at your card and I was like that CPA si

Unknown Speaker 28:21
P A. can't pass again. How about that? But we'll do the work to maintain this right we'll do the work to maintain it. Well,

Unknown Speaker 28:34
thank you so much innocent Chris for joining us today for the less awkward lien Rhonda show. Our time is about up

Unknown Speaker 28:41
our time is up Rhonda and until next week, until next week, y'all we gonna get that political conversation going on in here. We're gonna have a good time talking about it. Because the election season is here if they say this is the most important election of your lifetime, it

Unknown Speaker 28:53
really, really thanks so much Las Vegas for listening to us and we'll see you next Saturday. Bye

Unknown Speaker 28:57
some blessings.

Transcribed by https://otter.ai