Financial Cures

Financial Cures (Aired 10-13-26) Business Scaling: Operations, AI and Capital Strategy

Juan D Guevara Torres — Tue, 13 Oct 2026 16:10:40 +0000

Growth can expose a weak business faster than it creates profit. On Financial Cures, host Dr. Wendy Labat welcomes Alex Buriak, founder of Rock Consulting and Iron Rock Capital Group, for a strategic look at what actually allows a company to scale.

Alex breaks down how founders can identify operational bottlenecks, distinguish between people, process, and capital problems, and build systems that can support higher revenue without creating chaos.

Financial Cures (Aired 10-06-26) Integrated Financial Planning: Taxes, Retirement and Legacy

Juan D Guevara Torres — Tue, 13 Oct 2026 15:43:05 +0000

Financial decisions become more complicated as income, assets, businesses, and family responsibilities grow. In this episode of Financial Cures, host Dr. Wendy Labat welcomes Cecily Welch, CPA, PFS, CFP, to explain why taxes, retirement, investments, insurance, estate planning, and business decisions should work together as one financial strategy.

Cecily explores how people can outgrow DIY financial tools or advisors who no longer match the complexity of their situation. She explains the difference between tax preparation and year-round tax planning, why communication between financial professionals matters, and how fragmented advice can create costly blind spots.

Financial Cures (Aired 09-29-26) FICO Scores, Credit Repair and Debt Explained

Juan D Guevara Torres — Mon, 05 Oct 2026 20:28:26 +0000

Credit scores can change depending on the scoring model, lender, and type of financing and understanding those differences can affect major financial decisions. In this episode of Financial Cures, host Dr. Wendy Labat welcomes Aldiva “Ali” Graterol for a practical breakdown of credit reports, FICO scores, debt, and credit repair.

Chapters

(00:00:00) - Introduction and Mindset Transformation
(00:01:04) - Meet Ali Gretarola, Credit Expert
(00:01:46) - Diagnosing Real Credit Problems
(00:03:19) - Understanding Credit Report Basics
(00:04:07) - The 60+ FICO Algorithms Explained
(00:06:53) - Auto Loans and Credit Bureau Differences
(00:08:14) - Why Three Bureaus Give Different Scores
(00:09:36) - Revolving vs Installment Debt Mechanics
(00:11:04) - Break and Segment Transition
(00:11:58) - Return: App Promo and Welcome Back
(00:12:54) - Closing Accounts and Losing Points
(00:13:59) - Affirm Loans and Statement Dates Strategy
(00:17:47) - Corporate Cards vs Personal Credit
(00:19:06) - Personal Guarantees Explained
(00:21:30) - Credit Repair Do's and Don'ts
(00:23:21) - Transition to Entrepreneurship Topic
(00:25:18) - Entrepreneur Financial Habits and Net Profit
(00:28:24) - Commingling Funds and Business Protection
(00:31:13) - Contact Info: Ficodiva Financial Solutions
(00:32:40) - Tax Prep and Mileage Deduction Tips
(00:34:45) - Personal Credit's Impact on Business Financing
(00:36:23) - Break and Return: Final Segment Intro
(00:37:04) - Welcome Back and Show Promo
(00:37:57) - Financial Freedom Strategy and Credit Tricks
(00:39:45) - Statute of Limitations on Debt Collection
(00:42:20) - Debt Buyers and Resetting the Clock
(00:44:29) - Mortgage What-If Simulators and Pitfalls
(00:45:23) - Building Lasting Financial Habits
(00:47:05) - Final Takeaways and How to Connect

Financial Cures (Aired 09-22-26) Business Tax Planning and Cash Flow Strategy

Juan D Guevara Torres — Mon, 05 Oct 2026 20:14:12 +0000

Strong revenue does not always mean a financially healthy business. On Financial Cures, host Dr. Wendy Labat welcomes Joseph Reyes, founder of J.L. Accounting & Tax CPAs, to examine the financial systems business owners need to understand before problems show up in their bank accounts.

Joseph breaks down why monthly bookkeeping, accurate profit-and-loss reporting, cash-flow management, and understanding the true cost of goods sold are essential for making better business decisions.

Chapters

(00:00:00) - Introduction and Guest Welcome
(00:01:33) - Symptoms of Financial Stress in Business
(00:03:58) - Cash Flow Masking Problems in Bank Accounts
(00:05:25) - Lessons from Starting a Business Without Bookkeeping Basics
(00:06:19) - Advice for Startups on Monthly Bookkeeping Discipline
(00:08:27) - Understanding Cash Flow as the Lifeblood of Business
(00:10:48) - Cost of Goods Sold Explained
(00:12:20) - Break and Show Promo
(00:12:58) - Return and Continued Discussion on Cost of Goods Sold
(00:15:39) - Tax Preparation vs Proactive Tax Planning
(00:17:50) - Why People Avoid Proactive Tax Planning
(00:18:51) - Taxes, Cash Flow, and Long-Term Wealth Connection
(00:20:36) - Advice for Lottery Winners and Big Windfalls
(00:22:14) - Tax Strategy for Nonprofits
(00:24:05) - Closing Thoughts on Tax Planning Before Break
(00:25:57) - Return and Systems Behind the Numbers
(00:26:54) - Why Messy Books Create Bigger Problems
(00:29:14) - Warning Signs of Financial Trouble
(00:30:22) - Evolution of JL Reyes Accounting and Tax CPAs
(00:32:24) - Role of Technology in Financial Decision Making
(00:35:03) - Recommended Accounting Software and Tools
(00:36:45) - Break and Transition to Final Segment
(00:37:06) - Return for Final Segment on Long-Term Wealth
(00:37:59) - Building Wealth Through the Business, Not Just Working Harder
(00:39:54) - Accounting as a Leadership Tool
(00:41:36) - Overcoming Embarrassment About Finances
(00:43:40) - Contact Information for Joseph Reyes
(00:44:16) - Balancing Growth, Taxes, and Personal Wellness
(00:46:17) - Final Action Steps for Viewers
(00:47:31) - Closing Remarks and Sign Off

Financial Cures (Aired 09-08-26) 401(k) Strategy: Maximize Your Match and Retirement Growth

Juan D Guevara Torres — Wed, 30 Sep 2026 15:55:11 +0000

In this episode of Financial Cures, host Dr. Wendy Labat sits down with Robert Pugh, managing member of J Diamond and Associates LLC, to break down how employees can make smarter decisions with their workplace retirement plans.

The conversation explores 401(k), 403(b), and 457 plans, employer matching, target-date and index funds, compound growth, and why simply enrolling in a retirement plan is not enough.

Chapters

(00:00:00) - Introduction and Guest Welcome
(00:01:12) - 401k Misconceptions and Target Date Funds
(00:03:42) - Understanding Index Funds
(00:04:25) - Damaging Assumptions About Retirement Plans
(00:05:27) - Employer Matching Explained
(00:08:40) - Matching Details and Limits
(00:10:23) - Self-Employed Matching Secret and Teaser for 401k Millionaire
(00:11:48) - Early Withdrawal Penalties and Long-Term Mindset
(00:14:26) - Financial Planner vs Self-Managed 401k
(00:15:59) - Vetting a Financial Planner
(00:17:56) - 401k vs IRA Differences
(00:19:17) - Roth vs Traditional Accounts
(00:21:35) - Inflation, Market Growth, and Strategy
(00:24:25) - Stocks vs Bonds Explained
(00:25:49) - Market Corrections and Buying Opportunities
(00:27:35) - Segment Break and Recap
(00:28:30) - Vesting Schedules and Job Changes
(00:30:30) - Rollovers Explained
(00:33:27) - Simplifying Match Tiers
(00:35:02) - Contact Info and Enrollment Prep
(00:36:01) - Tax Diversification Strategies
(00:38:17) - Penalty-Free Withdrawals and Loans
(00:40:43) - Adjusting Contributions with Rising Income
(00:42:54) - Balancing Wealth Building and Retirement
(00:44:37) - Contact Info Repeated and Catch-Up Contributions
(00:46:03) - Investing Early for Kids and Mindset Shifts
(00:48:29) - Final Segment Intro: Inflation and Decision Making
(00:49:18) - Prioritizing Debt, Savings, and Retirement Contributions
(00:51:48) - Inflation-Proofing Your Plan This Week
(00:53:10) - Avoiding Lifestyle Creep with Raises
(00:54:31) - Spending Challenges and Needs vs Wants
(00:56:45) - Loyalty Programs and Everyday Savings
(00:58:25) - Emotional Reactions to Inflation and Priorities
(00:59:30) - Making Your Money Work For You
(01:00:14) - Client Success Story: Hakeem's 401k Journey
(01:02:06) - Closing Thoughts and Final Contact Info

Financial Cures (Aired 09-01-26) Save, Invest, Compound: The Simple Rules of Building Wealth

Juan D Guevara Torres — Tue, 01 Sep 2026 19:36:49 +0000

In this episode of Financial Cures, host Dr. Wendy Lavat sits down with Rohit Gupta, author of KISS: Keep It Simple, Stupid and founder of KISSfin, to break down the fundamental money principles that can create long-term financial security.

Rohit explains why personal finance does not have to be complicated and explores the difference between saving, investing, and speculating. The conversation covers compound interest, the Rule of 72, credit card debt, budgeting, paying yourself first, and why starting early can dramatically change long-term investment outcomes.

Chapters

(00:00:00) - Financial Cures
(00:01:49) - Dr. Richard Lambert
(00:03:35) - Why You're Overwhelmed By Personal Finances
(00:05:26) - Financial Security: The Secret to Happy Life
(00:07:42) - How to Manage Your Money effectively
(00:11:03) - The Financial Cures
(00:11:56) - Keep It Simple
(00:14:10) - The rule of 72
(00:16:39) - How Compounding Interest Affects Debt
(00:19:18) - What is the Difference Between Saving and Investing?
(00:21:11) - Financial Cures
(00:23:10) - What is Speculation in Investing?
(00:25:23) - Behaviours of Savings
(00:28:24) - Lifestyle pressures and credit cards
(00:33:52) - This is the Financial cures podcast on NOW Media Television
(00:34:43) - The Real Purpose of Money
(00:35:28) - Financial Security: How to Live Life With Flexible Spending
(00:37:23) - Asking for a Second Source of Income
(00:39:39) - How to Talk About Money
(00:44:04) - Keep It Simple, Stupid
(00:46:20) - How to get in touch with Dr. Wendy Labotte