Weekly financial and retirement planning guidance from the team at Kevin Wray Financial.
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Join me each week and listen in as I interview amazing individuals who will share with you incredible stories that have come from their life's experiences. Stories that will truly uplift and inspire you! As a social worker for more than three decades, and over twenty years as a college professor in social work, I know the power that comes from sharing stories. Each one of us has a story waiting to be told. By sharing our stories of strength, courage, and perseverance, despite life's challeng ...
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Welcome to the Jeffrey Wray - Motivational Speaker podcast, where amazing things happen. Support this podcast: https://podcasters.spotify.com/pod/show/jeffwray/support
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"I just want everyone to know that they are worth something" - Kody Wray
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12 year old Kody Wray shares his thoughts about being kind, knowing your self-worth, and helping others in any way you can. He may be young, but his wisdom goes well beyond his years. His advice is meant for people of all ages! "Know you're self-worth, and that you are as good as you want to be."Par Grover Wray
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Is Your Retirement Income Enough?
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You can anticipate a lot of the expenses that you’ll face in retirement, but it seems that most people forget about at least one of these and don’t factor it into their plan… Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Help other people, and be there for them" - Grover Wray
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Many times God places people in our paths at just the right time, and our lives are changed forever. In this short episode I share two personal stories that have helped inspire me to be a better person, and to help others in need.Par Grover Wray
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It’s our annual tradition…in honor of Father’s Day, let’s look at some of the classic lines that dads say and then apply them to financial planning… Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"If you pray for rain, ya gotta deal with the mud." - Mike Pickett
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In this episode, Mike Pickett shares about trials in his life... He is someone that can speak from experience, as he has gone through much loss, pain, sorrow, and grief. "Never, never, never, never, never give up... ever, you can't, there's always someone that needs you, whether it be your loved ones or even that someone that's standing in the back…
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"Attitude is everything, if you think you can do it then you can" - Jourdyn Pitcher
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You'll be so glad you listened to this episode! Jourdyn Pitcher isn't just a cancer survivor, she is an absolute inspiration! She has seen her fair share of trials in her life, beginning at age 14, and she chose to place her faith in Heavenly Father and Jesus Christ through it all. "The Lord knows what He's doing and we just have to be patient and …
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Rookie Investing Mistakes & Retirement Baseball
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In today's conversation, we'll cover some of the common investing mistakes that we see people make (and it’s not just rookies making the mistakes)! We'll also see what can we learn about retirement planning from the game of baseball. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500…
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"Have open communication with your kids, talk to them about body boundaries" - Bethany DeChamps
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In this eye opening episode, you will hear from a social worker at the "Upper Valley Child Development Center," Bethany DeChamps. She educates us about talking about the hard subjects with our children, and ways to help prevent child abuse of all kinds. Bethany's knowledge and passion for the work she does in helping prevent child abuse, and workin…
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There are a lot of half-baked ideas floating around out there that people assume are smart moves. But are they? Why might some of these half-baked ideas be bad ones? Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"The things we do in our lives each and every day, we're always touching someone else's life." - Kris Boyle
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In this episode, Kris Boyle shares stories about his teaching career at BYU Provo in the area of communications, sports journalism, and fictional story telling. His passion for what he does is truly inspiring and you can feel of his love for the students he has taught over the years!
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It’s graduation season, with a whole new batch of college and high school graduates entering the world. Let’s look at some of the similarities between graduating from school and shifting into retirement… Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"True happiness comes when we can forgive, and let go, and move on." - Nancy Bills
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In this episode, Nancy Bills shares some of her experiences growing up in a home with eleven other siblings, recounting the abuse that took place in their home. Her message is ultimately one of forgiveness, and about loving those who have made mistakes...Being able to move on, and do our best to be like the Savior, rising above the unfortunate situ…
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Financial Planning with Mom
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It’s our annual Mother’s Day tradition here on the show. Let’s take some of the things that mom used to tell us and apply it to our financial planning… Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"I can tell you right now, no eighteen-year old is ready to die." - Michael Fauber
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In this episode, Michael Fauber recounts the horrific experience he went through while serving a mission in Alabama. Michael was shot seven times by a gunman while participating in an activity at their local church building. His faith, courage, tender mercies, and help from unseen Angels are all a part of this miraculous story. "When it comes down …
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Let’s talk about the financial matters you should be thinking about when you encounter some of these significant events in life… Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"It's a part of love to grieve the loss." - Terri Clark
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In this episode, Terri Clark shares her story of being a cancer caregiver for twelve years, first with her son Cody, and six months later with her husband Adrian. After their deaths, Terri continues to grow and learn new ways to adjust to her new reality, and she offers wonderful guidance and advice about grief, loss, and hope. " It's okay to be sa…
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"Be still and know that He is God." - Kyler Hamilton
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In this episode, Kyler Hamilton shares his thoughts and convictions on the importance of aligning our will with our Heavenly Father's will. He explains beautifully the concept of "and, if not..." For example, if we ask God for something specifically such as healing a loved one, and it doesn't appear that it will happen, we can tell Heavenly Father …
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The conventional wisdom is that you can’t put toothpaste back in the tube. That is to say, once the deed is done, there’s no taking it back. And there are many decisions in retirement planning that can’t be undone, so you want to make sure that you make the right call. Explain why these decisions are so important and can’t be undone… Contact Inform…
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"God knows what is best for us, let Him into our lives and He will help" - Rod Wray/Grover Wray
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In this episode, my brother Rod and I visit about letting God be a part of our lives... not just when we need something from Him, but always. There are times when we just need to give ourselves to Him and allow His presence into our lives... we can' always do it alone, He is always there for us. We both share stories that illustrate how God is alwa…
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"When you're a kid, it's not your fault if your life is messed up, you're given the hand you're dealt and you go from there." - Tim Everett
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In this episode, Tim Everett shares his story of having an abusive father, and grandfather, and living with other family members as a result. Tim learned at a young age that he has control over how he views life and the struggles that come his way. "You get the ability to wake up every single day and be the person you want to be, so who are you goi…
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Retirement Planning Statistics
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Join Kevin and Walter as they take a look at some of the latest national retirement planning statistics. As we run through these numbers, Kevin will share his insights from a financial advisor's perspective. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"I need to step up and get more for myself, nobody else is going to do it" - Stephanie Ortiz
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In this episode, Stephanie Ortiz recalls her early years growing up in a small Idaho town, surrounded by poverty and despair. Stephanie shares her experiences of sexual abuse, and growing up with an abusive mother with a serious addiction to drugs. Stephanie's story is one of not giving up, and finding the courage to bounce back against all odds. "…
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Practical Strategies for Retirees Against Scams & Fraud
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Americans have lost more than $3.1 billion to various forms of fraud in the last 12 months. Let’s discuss some of the common scams that we see and how you can protect yourself against them. We'll also chat about overcoming financial planning procrastination in this show. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500…
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"It's in the moments where you want to lash out that you need God the most" - John Aebischer
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In this episode, John and Valerie Aebischer share their heart warming and touching story of losing two children within a very short time span, due to complications during pregnancy. Through all of their heartache and pain, John and Valerie have learned to rely on each other and in God throughout their struggles and hard times. You will feel of thei…
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The Great Wealth Transfer refers to the trillions of dollars that will pass to younger generations as Baby Boomers die and leave inheritances to their kids and grandkids over the next 20 years. Experts disagree on how much money this will be…some say $40 trillion will change hands; others say closer to $100 trillion. But no matter how you slice it,…
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"God planted some Angels in my life" - Gary Keith (Part Two)
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This is part two of Gary's horrific story of abuse growing up in South Carolina. In this episode Gary shares how his life began to take a positive turn, and those that were placed in his life to encourage and mentor him. "If you want your life to be a magnificent story, then realize that you are its author."…
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What To Do If You're Forced To Retire
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WhatTo Do If You're Forced To Retire Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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(Part One) "Life is not a matter of holding good cards, but of playing a poor hand very well" - Gary Keith (Quote by Robert Louis Stevenson)
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This is a two-part episode, part two will air next week on March 15th. The following is an excerpt from Gary's book, "Overcoming a childhood of abuse and dysfunctional living: How I did it." Gary Keith was born in a small town in rural South Carolina to alcoholic parents who abused and neglected him. For the first twenty years of his life, he was t…
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Does Kevin Agree or Disagree with Common Financial Assumptions?
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Does Kevin Agree or Disagree with Common Financial Assumptions? Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Just keep going, don't give up" - Dillon Stucki
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In this episode, Dillon Stucki shares his experiences in life that has brought him closer to his Savior. He talks about his love of working with the youth and mentoring them during their young lives, and how his many near death experiences have helped prepare, and shape his entire life into one of serving and loving others. Dillon is an amazing ind…
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Are You Playing The Guessing Game With Your Retirement Plan?
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Retirement planning should involve careful, strategic choices. Unfortunately, too many people play the guessing game when it comes to their financial future... Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"I know that Heavenly Father knows that I'm trying to do my best" - Bobbie Stucki
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In this episode, Bobbie Stucki shares the importance of raising children in todays world, and the significance of teaching them to work hard in this life... "I'm trying to raise my kids so they can be good humans when they leave." Part of their success as parents is how Bobbie and her husband Dillon put their trust in Heavenly Father to help them t…
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Let’s explore some unhealthy foods and find their parallels in the financial world. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"It's never to late, God has a plan for all of us" - John Cordtz
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In this episode, John and Hallee Cordtz share their insights as new parents. They talk about the spiritual side of bringing a child into this world, and the importance of teaching true principles of God and Jesus Christ to our children as they grow up in our homes. Their message is powerful, and yet simple at the same time... Allow God into our rel…
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In some ways, retirement planning was easier back in the good ol’ days. How does Kevin help people overcome financial challenges that their parents and grandparents didn’t necessarily have to face? Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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Life is amazing, it's worth living - Mahayla Mower
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In this episode Mahayla Mower shares her story of being bullied as a child and how she has learned to tune out those unwanted voices and focus on loving herself for who she is. There are still moments, however, where she experiences dark moments of depression and thoughts of self-harm, but she never gives up, she never stops trying to improve. Whil…
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With Valentine's Day approaching, we'll see what financial analogies we can find in some common symbols of the holiday. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Treat everyone with respect" - Dana Vega
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In this episode, Dana Vega discusses years of mental, physical, and sexual abuse that she endured over a span of many years. Her story is one of breaking the cycle of abuse and re-inventing herself to who she is today, and who she wants to become. Her story gives us a sense of hope that we can overcome our past and use it as a way of helping others…
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Getting Out Of Your Own Way
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With retirement planning, there are variables outside of your control. We'll focus in on what you can control with your finances, to make sure you don't get in your own way. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Life is not easy, but it doesn't have to be miserable or sad" - Victoria Vassar
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In this episode, Victoria Vassar talks about being adopted at birth, the death of her adoptive mother, and many other inspiring and uplifting words. This young lady's take on life, and her wisdom at such a young age, will warm your soul. For example, she reminds each of us of the "importance of looking for the good things in life", and to "Look for…
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Reasons To Hire A Financial Advisor
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Kevin will go over the signs for needing a financial advisor to look at your retirement plan. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Turn to the Savior" - Grover Wray
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In this short episode, I share a story that reminds us that the Savior is always there for us! He can help us through the hard times in our life if we let Him!Par Grover Wray
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Milestone Ages In Retirement Planning
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There are some key ages in retirement that you should be planning your finances around. Let's see which ages you should be preparing for. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"You do your part and miracles can happen" - Steve Simmons (Part Two)
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In this episode, Steve Simmons talks candidly about his personal experience of attempting to take his own life. Steve is very detailed and descriptive about this event, so if you listen, and feel you are being triggered by something that is said, please contact a family member, a friend, or a professional to talk to. As Steve discusses, this is a t…
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Retirement Planning With Aristotle
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We'll rewind the clock, and look at some famous quotes by the Greek philosopher Aristotle to see what financial wisdom we can learn from them. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Helping people to feel seen, is helping them to feel heard" - Nicki Derr
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In this episode, Nicki Derr reminds us of the importance of making human connections with those around us. She brings with her a bright and optimistic perspective on life, and has a strong conviction of serving and helping others... "I work for God, I don't work for people.. I'm doing this because these are God's children." Nicki may be young, but …
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Now that 2023 has come and gone, let's take a look at what financial preparations you should be making for 2024. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"Life isn't a sentence that we serve out, it's a gift meant to be honored" - Frank Flanders
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In this last episode of 2023, I had the privilege of visiting over the phone with Frank Flanders. Frank is currently serving a prison sentence for robbing a gas station using a broken pellet gun, nearly two decades ago. He has been serving his prison sentence in Missouri for the past 18 years, with the possibility of serving another 10 years pendin…
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Kevin will play "fill in the blank" with some sentences that contain financial advice. Contact Information: Website: https://insightfolios.com/ Phone: 704-529-9500Par Kevin Wray
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"We can all treat Christmas as a birthday " - Oral Elser (Christmas Cowboy Poetry)
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Oral Elser is a talented cowboy poet, and has had many years to practice his trade. In this special Christmas episode, he treats us with several poems; each poem will leave you with a wonderful feeling in your heart. He recites the poetry of others, as well as his own, and as you listen, you can't help but feel the wonderful Christmas spirit that c…
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