Uncommon Wealth Podcast

Getting from dream to reality is hard work. Sometimes just getting clear on what the dream is can be a challenge, much less making that dream come true. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Mitch Matthews. This episode has the feel of listening in on a mastermind gathering between 3 colleagues who know, appreciate, and trust each other. Mitch Matthews is not about platitudes or empty rhetoric. He is always researching and then teaching how people can dream big, think things through, and do more of what they are meant to do on this planet. Mitch Matthews is a keynote speaker, success coach and best-selling author. He’s become a well-respected thought leader on coaching and work-place mentoring. Plus, he has created a coach-training program that has been utilized around the globe. You can listen to Mitch on his popular weekly podcast called, “DREAM. THINK. DO.” where he inspires people around the world to dream bigger, think better and do more. Mitch proudly lives a “highly-caffeinated” lifestyle in Des Moines, Iowa with his wife and their two sons. Get ready for a highly-caffeinated, yet totally coherent and even inspiring conversation and find out how to get some traction on those dreams. What You Will Learn in this Episode: What to do when a great-fit job becomes a bad-fit job Why work-life balance is a fallacy How to calculate your “leap number” The reasons to start/join a mastermind group Why offering your service or product online can exponentially impact the number of people you reach and the number of figures in your bank account How to test your dreams, experiment, fail, learn, and move ahead How to discern when it is the wrong season to pursue a dream The ins and outs of self-publishing How packaging content/services thoughtfully and sequentially allows you to charge a premium for them Why getting from dreaming to doing requires clear goals, and that’s just the beginning

Investment property can be a tremendous source of residual income. Is it better to sign a lease with a long term renter, or should you think about your property as short term lodging offered through services like Airbnb? Questions worth digging into. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Brett Appleton about going from dabbling to all-in on using investment properties for short term lodging with Airbnb. Brett Appleton and his wife own 3 properties listed with Airbnb. They went from experimenting with this concept as a newly engaged couple, to purchasing three properties, with plans to expand this as a major source of residual income. Brett talks about what it takes to balance great customer service skills with the ability to confront challenges when they arise, and avoid scammers and other unscrupulous people. There are pros and cons, and this kind of investment is not for everyone. But the cash flow can be quite healthy with a bit more upfront cost to furnish and maintain. We walk through the numbers with Brett, and they show a lot of upside. What You Will Learn in this Episode: How to look for the best financing for property purchases How Airbnb can be a great introduction to income property ownership What you need to know about having strangers constantly in and out of your property The upfront costs of providing short term lodging vs. a long term rental What to do when lodgers don’t respect your property Getting and giving good reviews for short term lodging Delivering great customer service from reservation to check-out and beyond The tremendous upside of short term lodging cash flow Best practices in furnishing a short term lodging property Why it is crucial that your spouse is on board with the idea of dedicating a property to short term lodging. This is not a “set it and forget it” source of income.

Everyone wants a fun life and an optimistic outlook. These are the building blocks of the uncommonly good life. What are the roadblocks to this kind of life, and how do we move beyond them? Our podcast guest has some answers. In Episode 19 of The Uncommon Life Podcast, Phillip and Bryan talk with Paul Long about how to keep fun and optimism front and center in our lives and in our businesses. Paul is a motivational speaker and consultant who has challenged the corporate landscape for over a decade while engaging with audiences around the globe through his concept of FUNdamism. With an infectious spirit and unique take on fun in the workplace, Paul has provided memorable experiences through countless engagements including workshops, trade shows, keynotes, and more. He was selected as the Kansas City Royals 2016 Fan of the Year. His shenanigans have been featured in media outlets like ESPN, the Washington Post, and the Wall Street Journal. Paul’s FUNdamism philosophy is a deliberate approach to fulfillment both in the workplace and at home. His principles are proven to bring a higher level of consciousness, enlightenment, and F.U.N. to your day. While F.U.N. can be defined differently for all individuals, Paul’s core beliefs are based entirely on the following: a Foundation in guiding principles, Understanding others, developing Next steps. What You Will Learn in this Episode: The principles of FUNdamism: Foundation, Understanding, Next steps What to do when your work environment is shaping you in a negative way Staying centered and positive after challenging life experiences Overcoming the challenge of loneliness as an entrepreneur The power of experience as a motivator for all of us Using purpose, praise, and progress to develop positive workplace experiences The positive power of paintball Creating great experiences for ourselves, our employees and our customers

You have an idea that excites you. Maybe you’ve jumped right in and started a business out of it. But there is a lot to consider – what is the end goal? Can I set it up to run when I’m not around? Can I find a way to monetize it after-hours (residual income)? That’s what this duocast is all about. We’re looking at uncommon ways of looking at traditional business. Like setting up an LLC to lease space from yourself. Or figuring out health care for you and your family while you are pursuing this “crazy dream.” We tackle all those questions and more. You’ve got that drum beat inside of you; that urge to monetize that idea that’s been grabbing your attention and won’t let go. It is possible. Building your brand, gaining traction, fulfilling your passion – it is all possible. We have some fun and get into some nitty gritty details all in one fascinating conversation. What You’ll Learn in this Episode: Different ways to establish a business as a legal entity What to consider before deciding on the legal corporate structure How a C Corp differs from an S Corp The importance of knowing from the outset what you hope to achieve by being in business The right time to incorporate your business Two of our favorite books: The E-Myth Revisited, and Cashflow Quadrant Finding a process to develop residual income from your business Renting space to your own business for cash flow Why you should not diversify too soon Why a Health Reimbursement Account (HRA) might be a better option than a HSA

Rental property can be an excellent source of residual income. Mobile home parks are an increasingly popular segment of this market. It is also, as we will hear, a great way to leave a legacy for the generations which follow you. On this episode of the Uncommon Life Project podcast, Bryan and Phillip talk with Chris Ramsey who, with her two sisters, operate a mobile home park in South Sioux City, Nebraska. Chris also happens to be Phillip’s mom, so it’s a lively conversation, to say the least. You’ll learn about the dynamics of a multi-generational family business and how to make that work. Chris Ramsey did not expect to get into the mobile home park business – but when her parents passed it on to her and her sisters, they all rose to the occasion and are very happy they did. Chris has worked in advertising, as a tutor, and in adoption services. She's a singer, songwriter and performer. Her group, the Matney Sisters were chosen by the Smithsonian Institute to represent Iowa during the sesquicentennial celebration, performing on the mall in Washington DC for two and a half weeks. Chris and her husband of 43 years, Phil, live in Grimes, Iowa. She is a mother to two adult children and Nana to six grandchildren. She's a huge advocate of stepping out in faith, allowing God to work in all things creative. What you’ll learn: How to protect family relationships layered with a business relationship The importance of a buy/sell agreement, especially for a multi-generational business Creating legacy assets that can benefit and protect generations to come Uncommon ways to evaluate the risk of jumping in to a venture How to define roles and expectations in any business relationship Why many people relish the idea of taking on a new challenge later in life Why mobile home parks are becoming an increasingly popular source of residual income How to handle business disagreements in an open, honest way Giving family members the freedom to get involved or not get involved in the family business

Ideas are powerful. Ideas can sit in your head, or they can change the world. For developing your business and strengthening your financial well-being, how do you take ideas out of your head and get them into the marketplace? On this episode of the Uncommon Life Project Podcast, hosts Phillip and Bryan talk with Gabriel Glynn – a guy who really knows how to generate an idea and run with it. Gabriel Glynn is CEO of Makusafe and a serial entrepreneur. Gabriel’s startup journey began over a decade ago. In that time has experienced several successful exits, aka sold his company for a profit. His most recent was the selling of his software company Slash Web Studios in 2015. Gabe was named 2014 Entrepreneur of the Year at the Iowa Small Business Awards. He was named Alumni of the Year by Des Moines Area Community College and was a finalist for the YPC, young professional of the year in 2013. He has served on many community and non-profit boards and was a charter member of the Greater Des Moines Rotary Club. Gabriel is the creator and host of the Advanced Manufacturing Podcast and has interviewed dozens of manufacturing leaders around the globe, including Jeff Immelt, former CEO of GE Corporation. Gabriel, his wife Amanda and their two boys live in Ankeny, Iowa. Gabe has made a literal habit of generating new ideas every day. There’s a lot of great stuff to learn from him. Find out more about Gabe’s work at https://makusafe.com/ and reach out on Twitter @GabrielGlynn What you’ll learn How to make a habit of curiosity The cost and sacrifice of entrepreneurship - go into it with eyes wide open The role faith can play in entrepreneurship The importance of choosing people you truly want to work with, not just the highest or lowest bidder How to find an advisor or mentor who will push you, not just encourage you How to find an unpaid sales force, a group who stands to gain by what you are doing and who will spread the word What it takes to be a serial entrepreneur (it starts with a curious mind) How hosting a podcast can get you on a jet with Jeffrey Immelt The importance of coming up for air, spending time with your family, and being human Why most product start-ups fail How to leverage a source for residual income from the manufacturing space How a piece of $30 technology can prevent workplace accidents and death

Loving what you do – helping realize other people’s dreams as well as your own – that’s what a good design/build team does. On this episode of the Uncommon Life Project Podcast, hosts Phillip and Bryan talk with Jon and Hanna Shiplett. Together, Jon and Hanna own and operate Eden + Gray Design/Build. Jon is a professionally licensed General Contractor with a background in welding, framing, trim carpentry, and property management. Hanna is an Iowa State University graduate with a BFA in Interior Design. She worked as a project manager and commercial interior designer for 4 years before becoming her own boss. She is an NCIDQ (licensed) interior designer and before graduation received her LEED ID+C accredited professional a.k.a. professional tree hugger. Jon + Hanna have a gaggle of children, and enjoy long drives with coffee. Hanna sneaks away from her design desk occasionally to take a ballet class, and Jon relaxes with a good book. What you’ll learn How working with your spouse can work! Gaining skills to support your career How to pitch the value of creative services Augmenting income with real estate investments Keeping priorities straight and having life/work fit together (we didn’t say balance) Giving clients all the fine-grain details they need to make informed decisions How to create efficiencies so “killing it” is not killing you Making lifestyle choices to support your entrepreneurial drive How through building and design, your work becomes a part of people’s lives for years to come

That 401k or IRA is fine, but there are many other ways to manage your money for residual income now – not just sometime after retirement. On this episode of the Uncommon Life Podcast, we dig into the topic of Investments. It’s a fun and info-packed duocast with co-hosts Bryan Dewhurst and Phillip Ramsey. For many people, investing consists of putting some money aside in a 401k and/or maybe some IRAs. But there can be so much more to your investment picture. Phillip and Bryan talk about ways to invest and save to make an impact in the more immediate future, not just money that is set aside and untouchable until you are 70. Bryan and Phillip are passionate about helping people learn how to invest wisely, along with 6 other sources of residual income. You’ll learn why pensions are much less prevalent than they were a generation ago, and how today’s employees and entrepreneurs can make the most of their investment dollars. What you’ll learn The difference between non-qualified and qualified investments Why pensions are mostly a thing of the past How to plan for the future without tying all your money up in traditional retirement accounts The four layers of fees you need to understand when you go to invest The difference between a mutual fund and an ETF How you may be speculating when you think you are investing Why a technical analysis is preferable to a fundamental analysis when choosing stocks How to be entrepreneurial and protect assets for the future Smart ways to leverage your money when you are younger and when you are older What an “engine account” is and how you can use it to generate cash flow

Ready for a masterclass in managing the 7 sources of residual income? It’s not like today’s guest makes it look easy – but he definitely shows us how it is possible. And how you can have some fun along the way! Between real estate, owning a business, and even running a music festival – it is never a dull moment. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Courtney Wooge. Courtney is a second generation owner of FCIS Insurance. He is also one of the founders of the Tree Town music festival – the premier country music festival in the Midwest – in Forest City, Iowa. Get ready for a fascinating, wide-ranging conversation. Building wealth for you, the next generation, and where giving back is not a sprint, which makes Courtney a great coach in running a marathon. What you’ll learn about in this episode: How it’s possible to have a hand in all 7 sources of residual income Diversify, diversify, diversify Why income property can be a great source of cash flow – and a lot of hard work The tax benefits and long-term wealth benefits of owning property Something completely different – fun and profit in running a music festival How to take calculated risks in service of your cash flow Setting up for success as a 2nd or 3rd generation business owner The mental shifts needed to move from managing yourself to managing a company Taking responsibility as an owner Using your cash position to leverage the interest on that cash

When the creative impulse takes hold of you, it’s hard to let go. And if you DO let go, you are likely missing out on some of the richest treasures life has to offer: authenticity and true satisfaction. These are lessons learned and shared by our guest. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Nadine Hawbaker. In addition to being a delightful human being, Nadine is an accomplished artist born and raised in Iowa. She studied with Dimitar Krustev, a European schooled artist, for seven years. She has works on permanent display in the State Capitol building in Des Moines. She has been honored to have her work commissioned by the World Food Prize, along with a number of corporate and individual commissions. What you’ll learn about in this episode: How to fan the flames of your creativity The power of making mistakes Why, even if you cannot pursue it full time, finding ways to be creative is crucial The power of understanding who you are and uncovering the gifts you have Why boldness should by nurtured and encouraged Passion and heart are not the only things, but they’re far from nothing Opportunities don’t just fall in your lap – you have to pick them up and do something with them Why just wanting to sell a piece of art for a lot of money is the wrong place to start The importance of never flatly turning down an opportunity What it means to live by the adage: enough is best

What an incredible story. With less than $10,000 in the bank – credit card debt up to his eyeballs, credit scores in the toilet, and his wife pregnant with their first child, Caleb Walsh thought this was the perfect time to buy an $800,000 multi-unit property! This could have been another 99 Homes story (where huge numbers of people got underwater on their mortgage) but Caleb turned it into a story of going from zero to 500 doors. On this episode of the Uncommon Life Project Podcast, hosts Phillip and Bryan talk with Caleb Walsh. Caleb Walsh is a leading authority in affordable housing with portfolios spanning over 1,500 units in six states. He resides in Tampa, Florida with his wife Denise and their two children, Lincoln and Noelle. He's an economy of scale advocate, and his story involves jumping from five units to 500 units in a short amount of time. Listen in and get ready for a spirited conversation. You’ll hear about Caleb’s mistakes and triumphs – and how he persisted until he reached his goals. What you’ll learn about in this episode: How to leverage credit instead of letting debt leverage you The value of going all in – making your side hustle the main thing Lessons learned from trying to flip homes at the epicenter of a downturn How to hold on to a crazy, grandiose idea Why establishing passive income can take “sleep is optional” amounts of energy. No such thing as easy money. How to capitalize on an investment that brings in a solid return. Building economies of scale for even bigger returns Going public with goals in order to build in accountability around those goals. Creating public momentum increases opportunity through others buying into your vision

Of the 7 Sources of Residual Income that Uncommon Wealth Partners champion, real estate may be the most obvious source. It’s one of the first places your mind goes when you think “residual income.” But this is the Uncommon Life Project, so the way our co-hosts talk about real estate probably holds some surprises. For Phillip Ramsey and Bryan Dewhurst, the uncommon path leads to a rewarding life. That’s why they have dedicated their financial services practice to help clients define their goals, implement a plan, create wealth, and ultimately create time freedom. In this podcast we’ll take a close look at what rental property can do for you in terms of financial security, tax advantages, and long term financial health and freedom. What you’ll learn Understanding interest rates, cash flow, and tax favorable income Just what exactly a cap rate is Tax advantages of owning real estate Why leveraging other people’s money – especially when interest rates are so low – can be very beneficial Not to downplay the maintenance and other expenses associated with income properties A granular level look at a 401(k) investment compared with a rental investment Having some sort of business entity to run these properties through – for tax savings. Ways to contact Phillip Ramsey and Bryan Dewhurst: Email: [email protected] Email: [email protected]

Living out your values is important to most of us. We want to align all we do with our core beliefs. It seems complicated, but it doesn’t have to be. In this episode of the Uncommon Life Project podcast we talk with Doug Shiplett, an entrepreneur, pastor and church planter who seeks to break down false divides between sacred and secular. With vision and purpose, all of life is sacred. Doug Shiplett has been involved in the Des Moines business community since 2005. Initially through investment real estate with his company Antioch Investments, and now with his son John and daughter-in-law Hannah at Eden and Gray Design and Build, a custom home remodeling company, plus an exciting network marketing venture. Doug's faith based work has been extensive as he serves currently as a visionary leader of Coleo Church network, a church planting network based in Ireland, California. Prior to that focus, Doug served as Executive Vice President and Director of International Partnerships at BILD International through 2012. And after serving as a Senior Pastor of Crossroads Bible Church in San Jose for nine years. What you’ll learn about in this episode: Living out your values in your career path Aligning a faith calling with career, family, finances and everything else in life Do you have to choose between “church work” and “business?” How to move away from dividing things into “sacred” and “secular” endeavors Putting your energy into the things you value most How to course-correct when you have not thought very thoroughly about your finances Setting passive income goals whatever stage of life you are in Why network marketing could be a good secondary source of income The low barrier of entry to network marketing has an upside and a downside How to plan for the future when there’s no employer providing a “golden parachute” when you retire

Keeping your financial and vocational goals in line with your faith – this is a very important aspect of living and working for many of us. In this episode of the Uncommon Life Project podcast we talk with Justin Taylor about his career path, his work in the publishing world, and how his faith informs vocational and financial decisions. Justin Taylor got his Doctorate from Southern Seminary. He serves as executive vice president of Book Publishing and Book Publisher at Crossway in Wheaton, Illinois. Prior to that he worked at Desiring God in Minneapolis. He and his wife, Leah, have five beautiful children. He has two blogs, Between Two Worlds and Evangelical History, both hosted by the Gospel Coalition. What you’ll learn about in this episode: The role faith can play in vocational decision-making Understanding your vocational gifts and strengths as you decide on a career path How spiritual gifts and natural inclinations intersect Establishing partnerships with people of integrity How book royalties can be a great source of residual income Understanding the three-legged stool of communication: message, messenger and audience What it takes to be a compelling messenger Learning your capacity to do or not do things – even things you enjoy and are good at – during different stages of life Balancing the desire to succeed with other aspects of living a fulfilling life Being authentic as a parent, spouse and in business

Too often we expect people entering college or even into their 20’s to know what they want to do vocationally, now through the end of their days. But we all know life doesn’t work that way. In this episode of the Uncommon Life Project podcast we talk with Adam Carroll, a financial literacy expert who helps young adults (and anyone else) gain a better understanding of money and building wealth. You’ll learn how Adam has leveraged his passion for public speaking and financial planning into multiple projects and ventures. Adam Carroll is a nationally recognized financial literacy expert, TED Talk speaker and documentary filmmaker. He's the author of three books on money, the most recent being "The Money Savvy Student." He speaks in schools throughout the US and has developed a widely used money curriculum.  Adam founded masteryofmoney.com as a source for high-quality financial resources for those in pursuit of mastery in these critically important topics. What you’ll learn about in this episode: Paying attention to those small or potentially life-changing “this is what you are supposed to do” moments Success is never a straight line. Be ready to zig and zag until you get there How to turn your knowledge or skill (like speaking or writing) into passive income Lessons learned from losing money Amortization isn’t just for mortgages. How to understand your debt load There are many, many paths to the Seven Sources of Residual Income Specific ways to sacrifice in the short term to prepare for long term financial stability How to teach your kids about money – have them interact with real money from a young age Creative ways of leveraging your skills to maximize earning potential

At the core of the practice at Uncommon Wealth Partners is what they call the Seven Sources of Residual Income. Without a doubt, that’s something we would all love to know more about. The first source of this residual income is one you might find uncommon – and has to do with the principles of banking. In this episode, Phillip and Brian go in depth on a banking strategy involving insurance – and using cash value to the maximum advantage. When they first present this idea to clients, many want to fall asleep or run away – but when you understand the uncommon good sense of this tool, you will definitely want to know more. Listeners will learn more about cash value insurance, how to think like a banker, and how to structure a policy to your maximum benefit. This episode will be truly eye-opening. What you’ll learn How banking can be a source of residual income Understanding that “banking” boils down to the movement of money Why you should think of cash value life insurance as “uncommon banking” How the environment this uncommon banking creates allows you to leverage your money How a guy named Nelson Nash got the ball rolling using insurance for uncommon banking How to put your banks, insurance companies, and investments to work for you and not the other way around What a young Walt Disney did with a loan against his whole life policy How to structure a policy and payments to maximize what you can do with that money How to start thinking like a banker rather than a consumer Limitations of a Roth IRA compared with cash value life insurance The environment that it creates is what we're after, not necessarily the product. It's about creating a way to move and manage money. That's what we want to get into today is cash value whole life insurance. – Brian Dewhurst You're saving money and you're paying off a debt. All the while, that money is still on deposit earning a higher interest rate. It’s a mind shift. You’ve got to start thinking like a banker instead of consumer. – Phillip Ramsey Golden Nuggets “Banking at the core is just the movement of money through your economic engine.” Brian Dewhurst “Banking is essential to understand. Most people don't understand it. With that said, banking is comprised of multiple strategies or sources. Insurance is one of those strategies ” – Brian Dewhurst “A typical whole life policy won't break even until you're 13 to 17 years into it depending on the carrier, and there’s usually zero cash value in the first 3 years or so. We advise trying to buy the least amount of death benefit for the most amount we can put in. That gives you the most cash value to work with.” – Brian Dewhurst “This is the key to the whole uncommon banking concept: If you take one thing away from this, I think it's this point. Your money is always on deposit for the rest of your life” – Brian Dewhurst “When we put this money into a policy, our number one objective is, ‘What are we doing with that cash value in that policy? What do we have access to? And what can we shore up for our clients?’” – Phillip Ramsey “What we try to really show people is that cash value life insurance has the same tax structure as a Roth IRA, without all the limitations.” – Phillip Ramsey “Don’t stop paying the premium. That's what Brian and I will always talk about. I think that's what differentiates us. We want you to keep funding this thing because it's just going to keep getting bigger and bigger.” – Phillip Ramsey “You want to look for this type of insurance product from mutual owned companies, rather than publicly traded. That puts you as a policy-holder first, rather than some random shareholder.” – Phillip Ramsey

Travel, experiencing new cultures, learning new languages, meeting new people – many of us dream of this kind of life, but don’t know how to make the leap and turn those dreams into reality. In this episode of the Uncommon Life Project podcast you’ll find out what led Drew Cutkomp to take this leap – and what it took to prepare. This isn’t somebody who just flew to Columbia with $100 in his pocket and hoped for the best. Living an uncommon life took planning. Drew has a lot to share about how planning, leaning on mentors - and some chutzpah - can go a long way in making dreams come true. You’ll learn how Drew has evolved from working as a corporate mortgage originator where he crushed sales goals and attended award conferences to living his life traveling the globe and pursing his passions. He can be found currently learning Spanish and living the dream in Medellin, Colombia while running an ecommerce business and trading cryptocurrencies. The next stop on the journey is up to Drew! Hopefully his story will inspire you to plan, learn, make a leap of faith and live your uncommon life dreams! What you’ll learn about in this episode: How there are many paths (at least Seven!) to residual income How following your passion can be done, backed up by a plan and good mentors You don’t owe any explanations. It’s your passion and your path to go on Why surrounding yourself with smart, supportive, positive people can make all the difference How Amazon’s logistics dominance can free you up to sell from anywhere Why multiple streams of residual income are important for more stable cash flow management

Mentors don’t often walk up to you and offer their time and expertise. Guest Joey Glenn learned early on that when you are passionate about something and find someone who has been on the same path before you – make the ask! For Joey, that meant contacting the authors of a book that changed his life -- which turned into an internship that changed his life even more! In this episode of The Uncommon Life Project podcast, Joey Glenn talks about entrepreneurship, life/work balance and mentorship. He shares how the listeners can find a mentor and be a mentor. Both roles have been instrumental in Joey’s life and as a result of both, he and his family have reaped rewards many times over. Hear about how Joey shaped his plan in college, how plans got altered by that book, and how having a plan plus a little bit of flexibility can be just the right combination when opportunity comes knocking. It also pays to do some knocking at opportunity’s door yourself. Joey is a Sports Chiropractor and Certified Strength and Conditioning Specialist. After obtaining his Bachelor's Degree in Health Sciences from the University of Iowa, Joey had an opportunity to work with Core Performance/Athlete's Performance™ in Los Angeles, California helping everyday people and professional athletes reach their highest athletic potential. Joey continued his education at Palmer College of Chiropractic West and earned his Doctor of Chiropractic Degree and Strength and Conditioning Specialist certification. Joey worked for the Martinez Veterans Administration Hospital, treating our nation's heroes and completed his preceptorship treating professional athletes and weekend warriors alike at Water and Sport Physical Therapy in San Diego. After developing a passion for Olympic weightlifting, Joey obtained his USA Weightlifting Sport Performance Coach certification. Joey is ecstatic to return to the Midwest and share his knowledge of health, movement and athletic development in his home state. Joey is married to his lovely wife, Hannah and is the father of three children under 3 and looking forward to adopting a fourth child from Africa by the end of 2018. What you’ll learn about in this episode: When it comes to entrepreneurship, if you’re not scared, you’re not doing it big enough Especially at the beginning of a venture, life/work balance is a huge challenge. Don’t let anyone tell you differently Finding great mentors does not happen every day – when you find them, don’t be afraid to ask for their help in learning Be willing to chase what matters Mentors may come and go, but learning and sharing knowledge is a life-long pursuit Transfer of wealth is not all about money – wealth is in the drive and knowledge and motivation our parents and others demonstrate for us There will be moments when you are awake at 2:00 am wondering “what have I done?” Those moments are not the last word Residual income and multiple income streams are the best kinds of portfolio diversity to have. How to find and keep good talent in a competitive job market There is always room to push the needle, do things a bit differently and differentiate yourself in the marketplace

There’s a fallacy out there that only the rich get richer and anyone who builds great wealth did it through some brilliant master plan. Our podcast guest and Uncommon Wealth Partner client, Drew McLellan’s story should serve as a reminder that you can start anywhere and if you’re willing to be open to opportunities, take the right risks and being very clear about how you want your life to be – anyone can build an amazing life and financial freedom. In this episode of The Uncommon Life Project podcast Drew talks about the shift from employee to entrepreneur and how he has used each step of his journey as the launch pad for his next step. Listen to his story and learn how opportunities began presenting themselves once he stepped into being a business owner and how he leveraged each opportunity to create and grow four companies and use each one to strengthen and grow the others. Drew believes the most valuable currency generated by his businesses is freedom.  Hear how he used that freedom to live the life of his dreams –an active, engaged, parent and son, checking off traveling to all of the continents with his daughter and spending at least one month a year on Disney property. Drew reminds us all that the opportunities are all around us.  We just have to be smart enough to see them and brave enough to chase them. Drew McLellan has worked in advertising for 30+ years and started his own agency, McLellan Marketing Group in 1995 after a five-year stint at one of the world’s largest agencies, Young & Rubicam. He is considered a national marketing expert. He launched MMG’s blog in 2006 and it has been on the AdAge Top 150 from the list's inception in 2008. Drew’s writing has appeared in Forbes, The Washington Post, Entrepreneur Magazine, New York Times, CNN, BusinessWeek, and many others. The Wall Street Journal calls him “one of 10 bloggers every entrepreneur should read.” He also owns and runs Agency Management Institute, McLellan Properties and Drew McLellan Unlimited. What you’ll learn about in this episode: How Drew shifted from employee to entrepreneur How anyone can embark on owning their first piece of rental property The relationship between worry/risk and the rewards of being self-employed Business ownership, even after 25 years, is not a bed of roses The price tag on freedom How to design the life you want and then build income streams to support that life The importance of recognizing and exploiting surprise opportunities Creating your own bank and accumulating wealth through whole life insurance The reality that making money is about choices and consequences. You have to be willing to give up something. When you work to serve others with a genuine heart, you will make money.

One of the cornerstones of how we work with clients at Uncommon Wealth Partners is to go beyond the traditional financial planning of investment advice and really roll up our sleeves and help our clients think through a much broader money strategy. A topic that we always explore is the idea of residual income.  Residual or passive income is money you continue to earn after the work is complete. (For most of us our jobs are active income – they only pay us if we keep showing up). If you listened to the last episode, you’ll remember we mentioning the seven sources of residual income and in this podcast, we wanted to dive a little deeper into each.  We explored the seven most common types of residual income and how you can begin to explore which ones might fit your family’s long-term financial plan. You’ll quickly see that there are many ways that you can leverage your money to get you to retirement, or time freedom as we like to say, faster. It’s not about using them in order or using all of them, it’s more about finding the right options to help you meet your own personal goals of time freedom.    We, Phillip Ramsey and Bryan Dewhurst, are the founders of Uncommon Wealth Partners.   We think differently about money.   Our philosophy is simple. We help people no matter where they are today. It’s about where you want to go that matters. We do this by helping each one of our clients define their goals, implement a plan, create wealth, and ultimately create time freedom.  There are probably a lot of financial planners who promise the same thing. It’s how we get you there that is different. We believe that one of the most significant gifts we can give to our clients in the getting to know you phase is to not talk about their money!  Instead, we want to know what motivates you?  If money were no object what would you do with your time?  We believe answering those kinds of questions will help us when we finally talk about your money. What you’ll learn about in this episode: What exactly is residual income? Residual Income Source #1 – Insurance Residual Income Source #2 – Rental Property Residual Income Source #3 - Investments Residual Income Source #4 – Small Business Residual Income Source #5 – Subscription Business Model Residual Income Source #6 – Royalties Residual Income Source #7 – Network Marketing Ways to contact Phillip Ramsey and Bryan Dewhurst: ● Email: [email protected] ● Email: [email protected]

Uncommon Life Project with Phillip Ramsey and Bryan Dewhurst In this inaugural episode of the Uncommon Life Project, Phillip Ramsey and Bryan Dewhurst talk about why they decided to launch the podcast and what they’re hoping the listeners will gain from each episode. The guys are going to interview people who have chosen to step away from the ordinary. They don’t want to wait until retirement to live a dream life. They’ve made sacrifices, taken chances and seized opportunities – all so they could live an uncommon life. What listeners will learn is that these are very ordinary people, often doing ordinary work – but somewhere along their life’s journey, they decided to step off the worn path that most people take and carve out their own. With each episode, Phillip and Bryan are hoping to light a spark of inspiration that you too can have a life of abundance and that each of us gets to define what our uncommon life might be. Our job is to help people understand that there are so many different ways to generate income in today’s economy. There is not just one way to make money out there anymore. – Bryan Dewhurst and Phillip Ramsey What you’ll learn about in this episode: What is an uncommon life and who can hope to have one? Why did Bryan and Phillip start the Uncommon Life Project podcast? Background on the lead players at Uncommon Wealth Partners The “Why” that drives Uncommon Wealth Partners What you can expect in future episodes   The Golden Nuggets: There was just something inside of me that felt the need to help and serve people as it related to their finances and their businesses and I just couldn't ignore it any longer. – Bryan Dewhurst Using cash value life insurance with a banking mindset, and leveraging against that to purchase assets that produce cash flow to really grow our net worth in a completely different way - these are the kinds of things that excite me! - Bryan Dewhurst Most financial advisors teach people to think about retirement and work backwards from there. Why not think about next week and move forward from there. It’s all about moving forward and being forward thinking. – Bryan Dewhurst Using your money more efficiently now and working to understand your needs and desires, to help get you to your goals today, without sacrificing tomorrow – that’s what we do. – Phillip Ramsey We all have something uncommon within each of us and being able to walk side by side with people and watch that come out is one of the most rewarding things that I have ever been a part of. – Bryan Dewhurst Great financial advisors are just the copilots showing their clients what the dials mean and helping them kind of dial into the plan that will get them to their goals as quickly as possible. – Phillip Ramsey Ways to contact Phillip Ramsey and Bryan Dewhurst: ● Email: [email protected] ● Email: [email protected]