Maximize Asset Protection

seed-or-harvest

Our Podcast

Welcome to our Podcast

Do you make financial decisions out of fear or out of knowledge?   We believe education will help you feel confident in your decisions.  The government is incentiving you to invest in tax-deferred investments and pay taxes when you cash in or the “harvest”.   

This conservative finacial podcast will be discussing real life situations involving, money, investing, taxes, insurance and everything in between.  We bring real people together with financial professionals and answer the questions in a way that makes it easy to understand.  

Whether you are a government employee or a wealthy self-employed individual, we have topics that definitely will affect your long-term decisions.

Our motto is to make decisions out of knowledge, not out of fear.   

a couple of people sitting at a table with a microphone and a microphone

Latest Blogs/Podcasts

How to Find an In-Network Doctor with Ambetter Health

Learn how to find in-network doctors using the Ambetter Health website with this easy, step-by-step guide tailored for Arizona residents. Whether you're searching as a guest or a member, this tutorial...

Don’t Let The Insurance Company Win

Are you unknowingly in partnership with the government? You likely are. The government incentivizes tax-deferred programs like 401(k)s and IRAs, encouraging you to delay taxes until retirement—when...

Ideal for Business Owners

Are you unknowingly in partnership with the government? You likely are. The government incentivizes tax-deferred programs like 401(k)s and IRAs, encouraging you to delay taxes until retirement—when...

Network of Providers

Understanding provider networks is crucial when selecting insurance; not all carriers work with every doctor, and doctors may choose not to accept certain insurance plans. Consulting with an...

Health Savings Accounts (HSAs) for Law Enforcement Officers

Explore the benefits and advantages of Health Savings Accounts (HSAs) in our comprehensive eBook, "Seed or Harvest Show: Law Enforcement Edition." Designed to empower law enforcement professionals and...

Obamacare Ideal Candidate

As of November 1st, 2024, DACA recipients can now access health insurance subsidies through the Obamacare marketplace, marking a significant milestone in healthcare access. Norma Noriega, a dedicated...

Obamacare

As of November 1st, 2024, DACA recipients can now access health insurance subsidies through the Obamacare marketplace, marking a significant milestone in healthcare access. Norma Noriega, a dedicated...

Navigating Health Insurance for Law Enforcement Officers

As a law enforcement officer, you are accustomed to the benefits that come with group insurance as a government employee. However, when you retire, the transition to private health insurance can be...

Protect Your Income

Protecting your income is one of the fundamental reasons for life insurance, ensuring your family remains financially secure if you pass away unexpectedly. For those in their 40s or 50s with many...

Death Benefit and Taxation

Life insurance death benefits are generally tax-free for beneficiaries, making them a valuable financial tool for protecting loved ones. However, for high-net-worth individuals, estate taxes may apply...

Unveiling Government Benefits and Financial Insights with Officer Ty

Many people misjudge their income’s place within national tax brackets, often assuming it's more common than it is. IRS data shows that the top 5–10% of earners bear a significant tax burden, making...

Maximizing Obamacare

Many people overlook the full benefits of Obamacare simply because they don’t understand how to maximize them. With ongoing education and expert guidance, you can take advantage of hidden features...

Partnering with the Government

Are you unknowingly in partnership with the government? You likely are. The government incentivizes tax-deferred programs like 401(k)s and IRAs, encouraging you to delay taxes until retirement—when...

Why it’s important to understand IUL? – Mario and Pierrette

Life insurance is a crucial financial tool, especially for families with dependents, ensuring loved ones are protected in the event of an untimely loss. While traditionally seen as a concern for older...

Retiring from Law Enforcement: Law Enforcement Officer

Many people misjudge their income’s place within national tax brackets, often assuming it's more common than it is. IRS data shows that the top 5–10% of earners bear a significant tax burden, making...

Law Enforcement Retirement Guide: Law Enforcement Officer

Many people misjudge their income’s place within national tax brackets, often assuming it's more common than it is. IRS data shows that the top 5–10% of earners bear a significant tax burden, making...

MAP Level Funding

In our discussion, we explored the innovative concept of 'level funding,' merging aspects of fully insured and self-funded insurance plans. This model grants businesses enhanced transparency and cost...

Why it’s important to understand Group Insurance

Norma, an insurance agent primarily focused on individual plans, seeks to expand her knowledge of group health insurance to better serve small business clients. Olivia, a mid-market sales executive...

Mario and Norma – MAPFL Podcast

Norma and Mario, long-time business partners and serial entrepreneurs, bring over a decade of experience in business dynamics and relationship-building. They emphasize the importance of referral...

Building a Sustainable Career in Law Enforcement: Law Enforcement Officer

Law enforcement work presents significant physical and mental challenges, from the strain of wearing heavy gear and prolonged patrol car sitting to the psychological toll of witnessing traumatic...

The PEM Model and Financial Planning: Law Enforcement Officer

In this episode of Seed or Harvest, we sit down with Officer Ty to break down Tier 1 pensions, the importance of overtime, and what every officer should know about retirement planning. If you're in...

Understanding Uncommon Income and Tax Strategies: Law Enforcement Officer

Many people misjudge their income’s place within national tax brackets, often assuming it's more common than it is. IRS data shows that the top 5–10% of earners bear a significant tax burden, making...