2 FEB 2022 · Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!. As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books. Paychecks and Playchecks: Retirement Solutions for Life. This has sold over 120,000 copies around the world. The top-rated Kindle version has been the #1 best-seller in its category for over 2 years. Retirement Income Masters: Secrets of the Pros. This book compiles the very best tricks of the trade from the very best retirement experts. Paycheques and Playcheques: Retirement Solutions for Canadians. Tom has teamed up with Canadian financial advisors Steve Tate and Rob Gawthrop to share the math and science behind a successful retirement! Don’t Worry, Retire Happy! Seven Steps to Retirement Security This book is based on Tom's popular Public Television Special. Haven’t seen it? You can LEARN MORE HERE! Don’t Worry, Retire Happy! Seven Steps to Retirement Security for Canadians For his latest book, Tom collaborated with Jim Ruta and Michael Morrow to help Canadian retirees Retire Happy! LEARN MORE HERE! Tom specializes in creating simple and powerful retirement solutions. He has the unique ability to pump up a crowd, make people laugh and solve complex financial problems using easy-to-understand words, ideas and stories. He’s been featured in Business, Forbes, Money Rates, and many other leading publications. He is available to speak with businesses, government organizations, professional associations, financial professionals and their clients across the globe.

25 JAN 2022 · Carlos of Cortez Wealth Management talks about the fact that you don't own the money in your IRA. He makes finance interesting.

21 JAN 2022 · I am the producer for the Scriptures and Wall Street program, and I was blown away by this show that Carlos titled "The Color of Money." It is one of the only show of hundreds I have ever personally taken notes on to keep later. In this episode, Carlos walks us through how he teaches his multi-million dollar clients in a very simple fashion how to look at investment options, that he calls "colors of money." You can learn more in this half hour than you can sitting for weeks with most "investment advisors." Get out your notebook, and press play on "The Color of Money" with Carlos Cortez from Cortez Wealth Management.

21 DEC 2021 · As Carlos Cortez promised, when he agreed to bring you the Scriptures and Wall Street show with Carlos Cortez, it was going to be the fusion of faith, family and finance. Coming up tomorrow on the Scriptures and Wall Street show, Carlos will be talking with his friend Dr. Jane Ruby. Dr. Jane Ruby is a medical professional and a pharmaceutical drug development expert with over 20 years of experience in regulatory processes for drug approval with the FDA and the EMA. She is also a published international health economist who has appeared on numerous TV and radio shows across America. Dr. Ruby worked on the human research studies to launch some of the most famous compounds in the world in Depression, Alzheimer’s disease, Addiction, and Cardio-pulmonary diseases. Dr. Jane Ruby will host a new show on stewpeters.tv called, The Dr. Jane Ruby Show beginning in January 2022. Cortex will talk with Dr. Jane about mRNA technology, with the latest on human trials, dangers, and the intersection of mRNA with the backdrop of God's plan and intelligent design. This is content you will NEVER hear on the mainstream media, and we won't be able to post this podcast on social media. You will want to subscribe today to Scriptures and Wall Street so when this special show comes out, it will bypass social media and come directly to your phone. You can find Scriptures and Wall Street on all podcast platforms, or visit www.ScripturesandWallStreet.com for streaming instructions and links.

13 DEC 2021 · IRA? Retirement? Bad advice? Sit back for a half hour of free advice from one of America's best and most independent financial advisors. Welcome to Scriptures and Wall Street with Carlos Cortez

7 DEC 2021 · Some trust in chariots and some trust in horses, but we trust in the name of the Lord our God. Join Carlos for the first real full episode of Scriptures and Wall Street when he takes on buying gold, talks about capitalism and touches on being courageous and full of strength and faith. Where else can you hear about 'Q' and investing on the same show? Who do you take your financial advice from? Did you know that many of the people selling gold aren't even licensed? Carlos takes on the church, the administration, atheism, fake Christians, and traditional financial advisors. He's not very politically "woke." You can leave a message for Carlos on www.ScripturesandWallStreet, or if you are interested in Cortez Wealth Management check out www.CortezWM.com

2 DEC 2021 · Here's a preview from Carlos Cortez of Cortez Wealth Management of why he created the Scriptures and Wall Street podcast, a show about faith, family, and retirement planning. He has a story to tell, and on this introductory episode you can hear why you should care about what he has to say.

17 OCT 2021 · This audio story provided to Scriptures and Wall Street by NPR Business News. When Norma Jasso first started working from home in March 2020, she thought it was fun. "I could wake up later, not have to commute, not have to put my pumps and my working clothes on," says Jasso, who was a regulatory case manager for San Diego Gas and Electric. Help Wanted: Where Are The Workers? Help Wanted: Where Are The Workers? But soon, her days grew longer. She found herself checking email at odd hours. She missed her colleagues. She'd been with the utility for 23 years and found joy being around people. She hadn't planned to retire for at least five years, but about a year into the pandemic, her daughter called. She was expecting her first child and wanted her mom's help. It was a request Jasso couldn't refuse. "My mom helped me when I had my daughters, and so I thought, how wonderful. I could pay it back, pay it forward, pay it with love," she says. She met with a financial planner to figure out whether she had enough money to retire. To her surprise, her 401(k) retirement account had grown considerably, thanks to market gains during the pandemic. So at 62, Jasso retired. Millions more retired during the pandemic than expected Roughly 2 million more people than expected have joined the ranks of the retired during the pandemic, according to The New School's Schwartz Center for Economic Policy Analysis. While some like Jasso happily chose to retire early, others were forced into retirement after losing their jobs or quitting out of fears of exposure to COVID-19. This doesn't mean that they're permanently out of the workforce. There's a constant flow in and out of retirement, says researcher Owen Davis, who conducted the analysis. But for older workers, the time away can make finding a new job harder, and they often return to lower wages. "Age discrimination plays a role there," says Davis. "This is something we certainly saw during the Great Recession." Retirement is not an easy choice for many Yvonne Grace Anderson, 74, was working as a cashier and a customer service representative at a Publix grocery store in Pensacola, Fla., when the coronavirus first arrived in the U.S. By mid-March 2020, she was experiencing extreme anxiety on the job. With no masks, gloves or disinfectant, Anderson feared catching the virus from one of the thousands of shoppers coming through the store every week. Her daughters shared her fears and implored her to stop working. Anderson didn't need the income. She's widowed but has enough Social Security to live off of. She worked the part-time grocery job to fund her favorite hobby, painting, and as a way to be active in the community. "I'm a social butterfly," she says. "I love people. I love to hear their stories." Millions Of Women Haven't Rejoined The Workforce — And May Not Anytime Soon THE CORONAVIRUS CRISIS Millions Of Women Haven't Rejoined The Workforce — And May Not Anytime Soon Just before Christmas, after weathering a difficult hurricane season, she moved to rural Alabama to live with a nephew. With no easy access to transportation, she can't imagine being able to find a new job. "I wish I could say that I could embrace retirement, but it scares me — not being a part of something," she says. The closest place she can think of where she might find a job is at the nearby Dollar General store, but with the delta variant surging and no one wearing masks, she's not interested. "I don't want to be out there," she says. Norma Jasso and her husband, Samuel, are getting their house in San Diego ready for sale. They're planning to move just up the coast to be close to their new grandson. Andrea Hsu/NPR Retirees are reassessing life and setting priorities In San Diego, Jasso has taken stock of this moment. She says she has lived two-thirds of her life already. She has just one-third to go. "What do I want to do with that one-third?" she asks. Prioritizing family, friends and community is high on her list. She's volunteering with the group MANA de San Diego, mentoring young Latinas. And she and her husband are now getting their house ready for sale. They're moving up the coast to be close to their new grandson, who was born in early August.

15 OCT 2021 · Join us as Independent Financial Advisor Carlos Cortez talks about life through the lens of faith, family, and retirement.