Financial Cures (audio)

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

Juan D Guevara Torres — Tue, 13 Oct 2026 16:08:44 +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 15:29:07 +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 20:44:32 +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.

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

Juan D Guevara Torres — Mon, 05 Oct 2026 20:08:46 +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
(00:02:59) - Cash Flow Masking Problems & Monthly Bookkeeping
(00:05:13) - Lessons from Startup Experience
(00:06:17) - Advice for Startups on Record Keeping
(00:08:27) - Understanding Cash Flow as Business Lifeblood
(00:10:37) - Accounts Receivable, Payable, and Cost of Goods Sold Intro
(00:12:09) - Break Teaser: Cost of Goods Sold
(00:12:58) - App Promo and Welcome Back
(00:13:53) - Cost of Goods Sold Explained in Detail
(00:15:39) - Tax Preparation vs Proactive Tax Planning
(00:17:50) - Why People Avoid Tax Planning
(00:18:50) - Taxes, Wealth, and Entity Structure
(00:20:20) - Advice on Lottery Winnings and Taxes
(00:22:05) - Nonprofit Tax and Cash Flow Strategy
(00:24:05) - Closing Thoughts on Tax Planning
(00:25:23) - Break Teaser: Systems Behind the Numbers
(00:25:57) - Welcome Back: Bookkeeping as a Business Mirror
(00:28:51) - Warning Signs of Financial Trouble
(00:30:33) - Evolution of JL Reyes Accounting Firm
(00:32:33) - Role of Technology in Financial Decisions
(00:34:49) - Software Recommendations for Business Owners
(00:36:31) - Break Teaser: Long Term Financial Wellness
(00:37:06) - App Promo and Welcome Back Again
(00:37:59) - Building Wealth Through the Business
(00:39:58) - Accounting as a Leadership Tool
(00:41:11) - Overcoming Embarrassment About Finances
(00:43:46) - How to Contact Joseph Reyes
(00:44:17) - Balancing Growth, Taxes, and Quality of Life
(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 15:55:13 +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 and Damaging Assumptions
(00:05:36) - Employer Matches Explained
(00:08:44) - Match Details, Limits, and Self-Employed Strategies
(00:10:52) - Teaser: 401k Millionaire Strategy
(00:11:57) - Early Withdrawal Penalties and Starting Young
(00:14:25) - Choosing a Financial Planner
(00:17:36) - 401k vs IRA Differences
(00:19:11) - Roth vs Traditional Accounts
(00:21:38) - Inflation, Market Corrections, and Stocks vs Bonds
(00:27:06) - Break and Segment Recap
(00:28:30) - Vesting and Job Changes
(00:30:30) - Rollovers Explained
(00:33:19) - Tiered Matches and Compensation Perspective
(00:35:02) - Contact Info and Upcoming Topics
(00:36:01) - Tax Diversification Strategies
(00:38:17) - Penalty-Free Withdrawals and 401k Loans
(00:39:55) - Leaving Funds With a Former Employer
(00:40:56) - Adjusting Contributions as Income Rises
(00:42:54) - Balancing Wealth Building and Retirement Protection
(00:44:01) - Insurance Policies and Final Contact Info
(00:45:19) - It's Never Too Late to Start
(00:46:25) - Teaching Kids About Investing
(00:48:18) - Break Before Final Segment
(00:48:43) - Prioritizing Debt, Savings, and Retirement Contributions
(00:51:59) - Inflation-Proofing Your Workplace Plan
(00:53:07) - Avoiding Lifestyle Creep With Raises
(00:54:32) - Needs vs Wants and Spending Challenges
(00:56:45) - Loyalty Programs and Everyday Savings
(00:58:25) - Emotional Reactions to Inflation and Money Priorities
(01:00:12) - Client Success Story: The Power of Consistency
(01:02:06) - Closing Thoughts and Final Contact Details

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

Juan D Guevara Torres — Tue, 01 Sep 2026 19:36:51 +0000

In this episode of Financial Cures, host Dr. Wendy Labat 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
(00:02:06) - What first sparked your passion for financial education?
(00:03:35) - How to Manage Your Personal Finances
(00:05:26) - Financial Security: The Right Way to Live Your Life
(00:11:03) - The Financial Cures
(00:11:56) - Kiss Keep It Simple, Stupid
(00:14:10) - Rule of 72
(00:16:39) - How Compounding Interest Affects Debt
(00:19:18) - Financial Cures
(00:23:10) - What is Speculation in Investing?
(00:25:23) - How to Save Money effectively
(00:28:24) - Real Security: Spending on Credit Cards
(00:33:52) - Financial Cures
(00:34:43) - Financial Security: How to Live On Your Own Terms
(00:37:23) - Asking for a Second Source of Income
(00:39:39) - How to Talk About Money
(00:44:04) - Kiss: Keep it Simple, Stupid
(00:46:20) - How to get in touch with Wendy Labotte