July 22, 2025

From Stock Options to Generational Wealth

From Stock Options to Generational Wealth
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Join Divya Parekh for a practical, eye-opening conversation with Joshua Stubbolo, CFP®, Managing Partner at Family Legacy Financial Solutions. With deep expertise in guiding tech professionals through stock options, equity strategies, and generational wealth planning, Joshua shares how to move beyond financial confusion to clarity and confidence. Discover why a family-office mindset matters, the biggest mistakes tech leaders make when managing their wealth, and how to create a plan.

Beyond Confidence is broadcast live Tuesdays at 10AM ET on W4WN Radio - Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Beyond Confidence TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Beyond Confidence Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Become a supporter of this podcast: https://www.spreaker.com/podcast/beyond-confidence--1885197/support.

WEBVTT

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The topics and opinions expressed on the following show are

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solely those of the hosts and their guests, and not

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those of W four WN Radio It's employees or affiliates.

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We make no recommendations or endorsement for radio show programs, services,

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Radio It's employees or affiliates. Any questions or common should

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be directed to those show hosts. Thank you for choosing

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W four WN Radio.

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This is Beyond Confidence with your host w Park. Do

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you want to live a more fulfilling life? Do you

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want to live your legacy and achieve your personal, professional,

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and financial goals? Well? Coming up on dvparks Beyond Confidence,

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you will hear real stories of leaders, entrepreneurs, and achievers

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who have stepped into discomfort, shattered their status quo, and

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are living the life they want. You will learn how

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relationships are the key to achieving your aspirations and financial goals.

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Moving your career business forward does not have to happen

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at the expense of your personal or family life or

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vice versa. Learn more at www dot Divpork dot com

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and you can connect with TV ants contact eds dvpark

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dot com. This is beyond confidence and now here's your host,

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div Pork.

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Good morning listeners.

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So excited to be here with you all because I'll

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share with you it's Tuesday morning, and.

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Of course I love to be here with you.

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And another reason I'm really excited is because I had

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a breakthrough. I was stuck when I was writing my

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book because the book is about Aim. I've written approximately

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about quite a few chapters, so I've had been stock.

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So I just wanted to share the good news with

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you because I know you're there through thick and thin

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with me. And today we have a very special guest

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who is all about kindness.

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So welcome Josh.

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Thank you appreciate it, Thanks for having me.

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Absolutely so, Josh.

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We begin with a moment in your time, whether it's

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you were a child or in your youth, do you

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recall a positive moment or a person who left a

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remarkable memory that you are still fresh with even today.

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Absolutely, the person in question would be my grandfather. Every

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I mean I remember as a little little kid, I'm

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talking three four years old, just was the first one

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to introduce me to the game of baseball, which I

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fell in love with, as well as just understanding the

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value of a team sporting camaraderie. So just like I

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remember going into kindergarten for the very first time and

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the very first thing they had.

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Us to it was like a show and tell.

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Everyone remembers those during their early elementary school years. And

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of course I brought my back glove in baseball with

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me and was proud to show it off that my

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grandfather had got me.

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So yeah, he's.

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Had an everlasting impact in my life and from oithood

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drawing up to the company I now work with.

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Oh, that's such a beautiful legacy to leave, and so

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many of us we don't realize that we can leave

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legacies in the hearts of people. So coming back to

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your journey, I think on growing up, did you have

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the usual things you know people are thinking when they're

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kids about becoming You wanted to become a fireman or.

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Yeah, absolutely, I mean my dream is to be a

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baseball player. I mean just whether it's my office now

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or my old office, it's just it's, like I said,

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it's littered with baseball stuff. So my aspiration and dreams

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were to one day hopefully be drafted and play major

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League baseball. Unfortunately I did not turn out, but that's

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okay too. But another passion that I had losing an

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inspiration for my grandfather was just being involved in finance

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and more importantly stocks and.

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Different types of investments.

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But uh, definitely, as a kid, my heart and my

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dream was to play baseball.

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So it is such a tough competition.

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I have friends whose kids have been involved in travel baseball,

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and you know, people don't see the work and the

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process that goes behind it, hours and hours of practice,

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and then of course you know, you get you have

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surgeries as well because you're doing repetitive moments.

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So when your dream didn't come through, how did you

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work through it?

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Oh? Well, it wasn't the I wouldn't say it was

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the highlight of my life, but I mean there was

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a realization when I went off to college and I

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tried to walk on to a community college baseball team

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and was on the fringes of that team for the

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better part of two years and just unfortunately couldn't stay healthy.

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As you just mentioned, I had some knee trouble, things

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of that need, her shoulder pain and was really just

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trying to be the best version of myself as a

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baseball player. And when I kind of was pulled aside

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by a coach and was like, look, you can have

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a path to baseball, but it's probably not going to

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be the path that leads you to be an on

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field player.

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So I mean, I got involved with.

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Coaching the analytical side. Eventually that took me more towards

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the passion of finance. But I really did think my

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love for the game would drive me to be at

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least involved. But it was a difficult period of time

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to be pulled aside by a coach and kind of

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told in the most politically correct but also compassionate way.

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You could be told that your childhood dream is unfortunately

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coming to an end.

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Yeah, and that's the key piece.

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Then that coach showed that empathy and compassion because they understand.

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I've heard some horror stories from so many youngsters, you know,

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where coaches are so brutal and saying like, hey, you

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know you are not performing and I don't want you

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on my team.

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And it's that lendown is non gentle and that stays

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with you.

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It's great, you know, kudos to that coach. So as

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you moved into finance, tell us a bit more about

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your journey.

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Yeah, So, when I had that kind of realization that

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baseball wasn't going to be the trajectory and path that

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I thought it was going to be as a child,

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I went back to my childhood mentor and the person

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I spoke very highly about at the beginning of my grandfather,

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and I just kind of reached out for advice and

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was like, look, I'm not sure where I should go

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from here.

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At this point in.

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Time, college wasn't necessarily I mean, it was in college

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by no means.

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What do I want to say?

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It was an afterthought, but it wasn't the forefront the game.

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It was a pathway that it was a natural next

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step and evolutionary step to for baseball. So when it

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was kind of that rug was pulled out from under me,

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it was kind of like where now.

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And it took me a little bit of time between.

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Community college and then eventually my journey led to the

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University of Central Florida to find a path of finance

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and accounting.

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It went through I thought.

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I would do something in building construction, and then I

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was like, this probably isn't the best time to get

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into this profession being two thousand and eight, as we

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have a housing crisis.

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So then I was like, maybe that's not my best bet.

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I temporarily turned to psychology.

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As a potential major in college, enjoyed it, but really

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didn't see that being a passion was kind of a placeholder.

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And then eventually I took an economics class at Santa

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Fe Community College and one of my professors there kind

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of showed me game theory, the basics from everything from

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the basics to game theory that people go through in economics,

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and I kind of started to have a passion, and

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he's like, you should probably be a dual major in

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economics and finance, and I said, that's.

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Probably a pretty good idea. Let me give it a shot.

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It eventually turned into as much as I liked the economics,

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it ended up.

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Being more practic goal for what I was looking to do.

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When I eventually moved to UCF and someone said, hey,

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you should probably be on the personal finance rather than

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the corporate finance side. So originally my dual major of

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economics and finance turned into finance and accounting, and yeah,

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that took me from there to my first job out

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of college, which was working at a clearing firm making

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felt like pennies on the dollar, but.

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It was to get my foot in the door.

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And just like I was trying to get my securities

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license so I could do personal finance, but and helping

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people with investments.

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Absolutely, and it's life is fraught with twist untims and

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that is the key that you know, it sounds like

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you were completely open to exploring life and allowing you

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to take you where it went. So why don't you

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share with us the story about you and your uncle

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and how family legacy it came into being.

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Yeah.

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Sure, So that was literally the basis of something my

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grandfather kind of always taught me was just to be

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open to the next idea.

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Try to be open minded, don't try to be so

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closed off.

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You never know where a great idea can land, even

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if you think in the moment it's a terrible idea.

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So my journey after college took me through a few stops,

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but eventually I made a pivotal stop along the way

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at working for a local firm in Orlando on the

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personal finance side, and I got the opportunity to kind

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of there, which set the tone for the family legacy

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journey to be the jack of all trades. I did

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everything from compliance to trading to being an integral part

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into the planning team. And I did this all the

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matter of probably eighteen to twenty four months. And the

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reason I got so many of this unique opportunity with

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one firm was they were making the switch from being

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a captured agency in the world of finance, that's working

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for an insurance firm or a bigger conglomerate, to then

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being off on their own and working more independently.

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So while they were making that switch, they.

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Had they moved from MetLife to an independent broker dealer,

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so the team took a while to facilitate that move.

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So the team grew over that two year span into

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its normal capacity back when it was at matt Life.

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But there was a lot in that transition where they

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fell short, so I got to kind of fill those gaps.

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So eventually I went to the team and said, Hey,

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would you guys be open to me opening a branch

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in North Carolina? And unfortunately I was shut down. I

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say I should say unfortunately. It was fortunately and unfortunate

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because that propelled me to reach out to my uncle.

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So I called him up one day and I said,

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I've got a business proposition for you.

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Kind of put it together. The concept or the idea.

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Came to me on the fly, and I said, well,

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now that I've done everything in a firm, why don't

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I just try to start my own.

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I was twenty for almost twenty five at the.

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Time, and I said, well, I'm going to need someone

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who's got a little bit more experience, as I put it,

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a little bit more gray hair, because if I'm going

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to go out and manage people's assets, probably want someone

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that has been training for a little bit longer than

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three to four years, and most of that wasn't.

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Exactly in a professional capacity.

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So I reached out to my uncle, who wasn't actually

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in the world of finance. It was actually an engineer

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at IBM, but he would run the IBM and Investment council,

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so I knew he had experience with investment management.

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And also he did a lot of personal coaching one

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on one.

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On the side to help people with how to negotiate

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a car and how to budget and.

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Things like that.

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So friends and family became very reliant on him, and

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a lot of IBM ors too, So I reached out

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told him, hey, I'm interested in starting a firm. But

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before I even told him that, I said, I got

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this business prop. I'm want to put some things together,

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00:12:19.679 --> 00:12:21.519
and I said, can I make a presentation to you?

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About a week later, he said sure, So we goes by.

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I call him up and I've got everything, I got

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my PowerPoint and at this time, this is all pre COVID.

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So the world of.

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Like teams in Zoom, weren't the well established pieces of

245
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technology they are today.

246
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So I forgot what I used. I think I used either.

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I think it was Google Hangouts I used so I

248
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used Google Hangouts with a PowerPoint slide.

249
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Not Google slides, but combining two technologies.

250
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So but either way, I reached out to him and

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he said, before you jump into anything. He's like, I

252
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got a crazy idea and I want to see if

253
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you're open to it and.

254
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Maybe we can run with it.

255
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And I said, okay, I'll hear your idea and then

256
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I'll go into my pitch. And sure enough, his idea

257
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matched my pitch to a team. He's like, I want

258
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to start a financial planning firm, and I said, well, okay,

259
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I can skip the I could skip the first like

260
00:13:21.879 --> 00:13:24.559
ten slides that were to try to convince him to

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00:13:24.559 --> 00:13:26.080
do this. I was like, well, it seems like you're

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on board. But the hard part was, Okay, how do

263
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I have somebody who goes from a six figure salary

264
00:13:32.879 --> 00:13:34.840
and with the stay at home mom my aunt was

265
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a stay at home mom into making this switch. So

266
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that was part of the game plan that if I

267
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got him on board, that was going to be the

268
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hard part to figure out. That kind of had to

269
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be figured out on the fly because by the time

270
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we made the agreement and I would come up to

271
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the Carolinas from the Orlando area. By the time I

272
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arrived here, between the travel of me flying down to

273
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help my mom even move to who's moving up to

274
00:14:00.120 --> 00:14:03.240
care of her parents, that two week span, everything got

275
00:14:03.279 --> 00:14:07.000
flipped on its head. He got laid off and I

276
00:14:07.039 --> 00:14:09.360
showed up to the Carolinas and were like, well, we're

277
00:14:09.399 --> 00:14:12.039
knee deeping it now. It looks like we're starting to financial.

278
00:14:11.600 --> 00:14:14.360
Planning for her because neither or other, neither one of

279
00:14:14.399 --> 00:14:15.120
us have a job.

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00:14:17.720 --> 00:14:21.480
It was meant to be, and so you started and

281
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I thing so like it's been what like almost a decade,

282
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Like when it was like.

283
00:14:26.559 --> 00:14:28.879
I met you and.

284
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Along with the family legacy, you also started the triangle

285
00:14:34.360 --> 00:14:37.080
of technolue. We'll kind of get into it. There's so

286
00:14:37.159 --> 00:14:40.720
many people who are in the corporation. They think like, oh,

287
00:14:40.759 --> 00:14:42.200
you know, I've put my money in the four O

288
00:14:42.279 --> 00:14:46.200
one kid, They've got those views, mutual funds, ETFs some

289
00:14:46.279 --> 00:14:51.519
of the things. So a lot of people just kind

290
00:14:51.519 --> 00:14:53.919
of put that away and then they don't think about

291
00:14:53.919 --> 00:14:58.320
the investment. What would you tell those tech people or

292
00:14:58.399 --> 00:15:02.440
it doesn't matter really you all those professionals because four

293
00:15:02.440 --> 00:15:04.240
o one K alone is not enough.

294
00:15:06.360 --> 00:15:10.320
So it really comes down to someone's personal ambitions and goals.

295
00:15:11.279 --> 00:15:14.279
Because I like to tell my members and as I

296
00:15:14.279 --> 00:15:16.240
get to know them and we call them members instead

297
00:15:16.240 --> 00:15:20.279
of clients to go along with the family legacy, themon brand.

298
00:15:21.440 --> 00:15:23.279
But the most important thing that I try to tell

299
00:15:23.279 --> 00:15:26.320
them is like, look, part of the reason what you

300
00:15:26.399 --> 00:15:27.240
just stated.

301
00:15:26.960 --> 00:15:29.639
Is the four oh one K contributions tend to not

302
00:15:29.720 --> 00:15:30.200
be enough.

303
00:15:30.320 --> 00:15:33.919
And there's other avenues of savings into brokerage accounts, ROTH

304
00:15:33.960 --> 00:15:36.879
accounts outside of work, or maybe your plan has a.

305
00:15:36.879 --> 00:15:38.320
ROTH component at work.

306
00:15:38.960 --> 00:15:42.360
But the RSU compensation stock options, they play a very

307
00:15:42.399 --> 00:15:47.639
integral role, especially for a bunch of engineers who are.

308
00:15:47.519 --> 00:15:50.080
Looking to retire early, and sometimes.

309
00:15:49.639 --> 00:15:54.279
Those individuals are forced into retirement just because just the

310
00:15:54.360 --> 00:15:58.879
technology moves so quickly, or because companies are downsizing, or

311
00:15:58.919 --> 00:16:00.519
like now a lot of people are full of their

312
00:16:00.600 --> 00:16:02.919
job because of AI. Is it going to automate so

313
00:16:03.000 --> 00:16:05.960
much that there's less and less jobs out there. So

314
00:16:06.000 --> 00:16:08.480
there's always something going on in the world of tech

315
00:16:08.840 --> 00:16:11.639
where I try to encourage my members to get to

316
00:16:11.720 --> 00:16:17.000
financial independence quicker, but that comes with a caveat, and

317
00:16:17.039 --> 00:16:19.000
I don't say, like I don't I don't tell them,

318
00:16:19.159 --> 00:16:21.480
let's go live on Robin noodles for the next forty

319
00:16:21.559 --> 00:16:24.480
years so you can retire or twenty years or thirty years,

320
00:16:24.480 --> 00:16:28.799
whatever it is. Because unfortunately, my father, who is also

321
00:16:30.080 --> 00:16:32.559
a very integral part in my life and my baseball

322
00:16:32.600 --> 00:16:35.200
story and whatnot, passed away when I was seventeen.

323
00:16:35.360 --> 00:16:38.360
So I always tell people, you've got to live in

324
00:16:38.399 --> 00:16:39.279
the here and the now.

325
00:16:39.480 --> 00:16:43.000
So retirement is one thing, but understanding how to build

326
00:16:43.039 --> 00:16:47.399
financial independence but also enjoy life along the way is

327
00:16:47.519 --> 00:16:50.559
extremely critical, and that's where it done right.

328
00:16:50.720 --> 00:16:53.480
And thinking about tax consequences, when to.

329
00:16:55.120 --> 00:16:58.360
Actually exercise those stock options or when those r issues

330
00:16:58.440 --> 00:17:01.679
vest and understanding what is the best situation or what

331
00:17:01.720 --> 00:17:04.880
can I do to mitigate taxes along the way. That's

332
00:17:04.960 --> 00:17:08.799
critical because that's not only going to give confidence to

333
00:17:08.880 --> 00:17:10.880
the individual, but it's also going to set up their

334
00:17:10.960 --> 00:17:14.839
financial plan for greater and greater success. So I encourage

335
00:17:14.839 --> 00:17:17.759
people to look at all avenues not only of how

336
00:17:17.799 --> 00:17:20.960
they can make money, but also how it fits into

337
00:17:21.000 --> 00:17:25.680
their personal situation and be mindful and open to being creative,

338
00:17:25.880 --> 00:17:27.400
because so many times they get.

339
00:17:27.279 --> 00:17:29.480
Into a plan and they say I'm going to follow

340
00:17:29.519 --> 00:17:29.720
it and.

341
00:17:29.720 --> 00:17:32.359
They're just going to drive a linear model from now

342
00:17:32.440 --> 00:17:33.319
until retirement.

343
00:17:33.680 --> 00:17:36.519
And I tell people that's not how life works. Life.

344
00:17:36.559 --> 00:17:38.839
There's too many curve malls for everything to just be

345
00:17:39.559 --> 00:17:41.240
a straight line.

346
00:17:41.599 --> 00:17:45.640
Oh yeah, absolutely, life can throw surprises at you. So

347
00:17:46.559 --> 00:17:49.759
now based on what you should you know, people have

348
00:17:49.920 --> 00:17:51.880
their goals, people have figured it out.

349
00:17:52.960 --> 00:17:55.599
So so many times people have no.

350
00:17:55.640 --> 00:17:58.519
Clues where to go, what to do. So what are

351
00:17:58.559 --> 00:18:00.799
some of the few steps that peopleeople can take to

352
00:18:00.839 --> 00:18:01.640
get educated.

353
00:18:03.400 --> 00:18:07.480
First thing is, I know this might sound a little

354
00:18:07.480 --> 00:18:10.039
interesting because a lot a lot of tech professional lives.

355
00:18:10.680 --> 00:18:15.160
Tech professionals I have talked to have been learing to

356
00:18:15.160 --> 00:18:17.319
go to their HR department. But I actually think that's

357
00:18:17.319 --> 00:18:20.759
one of the best places to start, is to understand

358
00:18:20.839 --> 00:18:24.480
what is actually available to you, or to a mentor

359
00:18:24.640 --> 00:18:27.119
or a colleague. I mean, I don't want to say, oh,

360
00:18:27.200 --> 00:18:29.400
just go to a financial advisor, because I am one,

361
00:18:29.480 --> 00:18:31.599
but a lot of times go seek out that family

362
00:18:31.640 --> 00:18:34.880
member who can put a or mentor that can put

363
00:18:34.920 --> 00:18:38.480
a little bit more context around what you're experiencing. Like

364
00:18:38.720 --> 00:18:40.119
I know people who are like, I don't even know

365
00:18:40.160 --> 00:18:42.960
what an RSU is, like what is a restricted stock unit?

366
00:18:43.079 --> 00:18:44.400
Or would these options?

367
00:18:44.440 --> 00:18:47.640
Do these options work just like options in the open market,

368
00:18:47.839 --> 00:18:49.839
And a lot of times know is the answer, and

369
00:18:49.880 --> 00:18:53.240
there's a lot of uniqueness and nuance to them.

370
00:18:53.359 --> 00:18:54.440
So the first thing is.

371
00:18:56.440 --> 00:18:59.720
Seek out someone who's already experienced it, because that's the

372
00:18:59.720 --> 00:19:01.400
best way to learn. And one of the things that

373
00:19:01.440 --> 00:19:03.559
I did early on in my own career, so I

374
00:19:03.599 --> 00:19:05.960
went to advisors and instead of asking them what are

375
00:19:06.000 --> 00:19:06.759
you doing right?

376
00:19:07.119 --> 00:19:09.400
I asked them over their career, what did you do wrong?

377
00:19:10.640 --> 00:19:13.039
And what can I learn from that? And they said

378
00:19:13.400 --> 00:19:17.400
that was more telling. And unfortunately, as much as people

379
00:19:17.400 --> 00:19:19.240
were like, oh, I did this and it worked out well,

380
00:19:19.799 --> 00:19:23.759
more often than not people remember the stories throughout their

381
00:19:23.839 --> 00:19:27.759
careers of when something went wrong not necessarily right, and

382
00:19:27.799 --> 00:19:30.079
they'll remember the lessons they learned along the way.

383
00:19:30.240 --> 00:19:32.440
So for me, that's another reason.

384
00:19:32.519 --> 00:19:36.079
Finding somebody that's independent, that doesn't have skin in the game,

385
00:19:36.119 --> 00:19:37.160
that can share with you.

386
00:19:37.240 --> 00:19:39.920
How it impacted them is an easy way for you

387
00:19:40.000 --> 00:19:40.519
to kind of learn.

388
00:19:40.559 --> 00:19:43.000
Okay, now I know what a stock option is, I

389
00:19:43.039 --> 00:19:45.480
know what a restricted stock units are.

390
00:19:45.759 --> 00:19:46.640
I know these things.

391
00:19:46.640 --> 00:19:49.079
So now the question is, now I have the base

392
00:19:49.200 --> 00:19:51.319
level of knowledge where to next? And that's where I

393
00:19:51.319 --> 00:19:54.920
would still tell people. It seems weird, but there's an

394
00:19:55.640 --> 00:19:59.960
awesome tool online called Investipedia if you just need definition based,

395
00:20:00.519 --> 00:20:03.000
bare bones facts, just to make sure you have the

396
00:20:03.079 --> 00:20:05.960
rudimentary understanding of things. It's a great place to go

397
00:20:06.920 --> 00:20:10.000
AI as well. Nowadays you can prompt it seems like

398
00:20:10.079 --> 00:20:15.160
chat Shept, Perplexity, Grock, Google's AI and you're gonna get

399
00:20:15.160 --> 00:20:19.640
a thorough breakdown of information. The nice thing is, too,

400
00:20:20.519 --> 00:20:24.160
you can take what you have within the documentation at work,

401
00:20:24.200 --> 00:20:27.119
because if you get these stock options and packages, a

402
00:20:27.160 --> 00:20:30.640
lot of times it comes with information that most people

403
00:20:30.680 --> 00:20:31.240
don't read.

404
00:20:31.559 --> 00:20:32.640
To me, it reminds me.

405
00:20:32.680 --> 00:20:35.680
Of like the disclosures when we all just click yes,

406
00:20:35.759 --> 00:20:36.599
agree and move on.

407
00:20:37.759 --> 00:20:40.160
Those actually have vital pieces of information.

408
00:20:40.319 --> 00:20:43.759
I understand they're boring to read, but they are eye

409
00:20:43.759 --> 00:20:47.759
opening and they really explain the thoroughness of what is

410
00:20:47.799 --> 00:20:48.680
available to you.

411
00:20:50.640 --> 00:20:53.559
And also, as you mentioned about chat GPT, you can

412
00:20:53.880 --> 00:20:56.920
copy and paste in a document uploaded in chat GPT

413
00:20:57.400 --> 00:20:59.799
and like exactly whatever you're looking for, you can ask

414
00:20:59.839 --> 00:21:00.839
it to summarize for you.

415
00:21:02.319 --> 00:21:04.440
That's a great way, especially if you have a document

416
00:21:04.519 --> 00:21:07.640
like I actually give that advice to people like they're

417
00:21:07.680 --> 00:21:09.319
like I went to an attorney and they're like, I

418
00:21:09.359 --> 00:21:12.119
got my estate documents, I got my will, my trust

419
00:21:12.200 --> 00:21:15.759
and powers of attorney. And they're like, I kind of

420
00:21:15.839 --> 00:21:18.160
understood from what they were saying. I took notes, but

421
00:21:18.160 --> 00:21:20.920
I always say, throw that into chat shept and have

422
00:21:21.039 --> 00:21:24.480
that just give you a synopsis and layman terms. And

423
00:21:24.680 --> 00:21:27.039
a lot of times that's a great place to start

424
00:21:27.319 --> 00:21:27.759
because it.

425
00:21:27.720 --> 00:21:29.960
Gives people confidence of like, Okay, now at.

426
00:21:29.920 --> 00:21:34.119
Least I have a basic understanding of what I'm referring to.

427
00:21:34.759 --> 00:21:36.799
It then gives them if they seek out.

428
00:21:36.599 --> 00:21:38.960
That professional, whether they go back to an attorney, a

429
00:21:39.039 --> 00:21:41.359
tax professional, financial advisor.

430
00:21:41.839 --> 00:21:44.839
Now it gives them the ability to come not only

431
00:21:44.880 --> 00:21:47.119
well equipped with information, but also.

432
00:21:47.160 --> 00:21:50.599
To ask informative questions, And to me, that's one of

433
00:21:50.599 --> 00:21:52.400
the best things that an individual can do.

434
00:21:53.720 --> 00:21:58.759
Absolutely, So that's some very sound advice that people kind

435
00:21:58.759 --> 00:22:01.799
of go and take it. So now they're educated, they

436
00:22:01.880 --> 00:22:05.160
know about the stock options, and so many times what

437
00:22:05.240 --> 00:22:07.880
happens is that you still don't know all the nuancewers

438
00:22:09.240 --> 00:22:13.200
and what should people not do given the question you

439
00:22:13.319 --> 00:22:24.160
shared there, they should not go with the financial advisor.

440
00:22:21.359 --> 00:22:22.200
Or should not go?

441
00:22:23.079 --> 00:22:23.759
Should not go?

442
00:22:26.559 --> 00:22:30.640
So the first thing is acting emotionally.

443
00:22:30.680 --> 00:22:32.440
A lot of I've seen a lot of people go, well,

444
00:22:32.440 --> 00:22:34.440
I think I have an understanding now, so I'm going

445
00:22:34.480 --> 00:22:39.319
to act upon the information I have. And sometimes if

446
00:22:39.319 --> 00:22:43.440
that's still very baseline level of information, there's a lot

447
00:22:43.480 --> 00:22:46.319
of nuance to these things that the last time, the

448
00:22:46.359 --> 00:22:48.839
last way you want to learn is to learn through

449
00:22:48.920 --> 00:22:49.759
mistakes of your.

450
00:22:49.599 --> 00:22:52.039
Own if you can avoid them. Sometimes it's it's a

451
00:22:52.119 --> 00:22:57.880
necessary component of life. But if you can avoid that methodology,

452
00:22:58.720 --> 00:22:59.960
I would highly encourage it.

453
00:23:01.039 --> 00:23:03.640
Also, part of the way I would seek out to

454
00:23:03.839 --> 00:23:08.359
not utilizing a financial advisor is and this is somewhat

455
00:23:08.400 --> 00:23:11.920
interesting because it's kind of how I've structured my to

456
00:23:12.000 --> 00:23:15.119
be the polar opposite of this, and why I created

457
00:23:15.200 --> 00:23:18.920
family legacy in the mold that I have is we

458
00:23:18.960 --> 00:23:21.079
are a one stop shop. So we bring in house

459
00:23:21.160 --> 00:23:24.039
the estate, the taxes, the financial planning, the whole nine yards,

460
00:23:24.200 --> 00:23:27.079
because what we kept finding out is we would send

461
00:23:27.119 --> 00:23:30.039
somebody before when we first got going, and we didn't

462
00:23:30.079 --> 00:23:31.839
have the one stop shop.

463
00:23:31.920 --> 00:23:34.079
It didn't start this way ten plus years ago.

464
00:23:34.160 --> 00:23:36.759
I wish it did, but you got some work to

465
00:23:36.799 --> 00:23:39.640
do in building it from the ground up. But what

466
00:23:39.680 --> 00:23:41.599
I would end up doing is I would send someone

467
00:23:41.599 --> 00:23:43.920
to a tax professional and they get a set of

468
00:23:43.960 --> 00:23:47.200
advice from the tax professional. Same thing with the estate attorney,

469
00:23:47.240 --> 00:23:49.920
and then they would get information from us and they'd

470
00:23:49.920 --> 00:23:54.880
be like, hey, this is somewhat contradictory, and I would

471
00:23:54.880 --> 00:23:58.039
be like, yeah, you're right, it very much is. And

472
00:23:58.079 --> 00:24:00.200
they're like, well, you sent us to an and I

473
00:24:00.240 --> 00:24:03.359
was like, well, did you explain to the tax professional

474
00:24:03.880 --> 00:24:07.519
the nuance to your situation? And a lot of times

475
00:24:07.519 --> 00:24:09.359
that tax professional will be like I don't need that.

476
00:24:09.400 --> 00:24:12.400
I just I need the hardcore facts, and kind of

477
00:24:12.400 --> 00:24:15.119
like an engineer would sometimes where they'll miss the bigger

478
00:24:15.160 --> 00:24:18.720
picture and I don't mean that to be I love.

479
00:24:18.559 --> 00:24:21.759
Engineers, my business partner is one my uncle.

480
00:24:22.039 --> 00:24:23.359
But a lot of times that was one of the

481
00:24:23.359 --> 00:24:27.279
things that he said he grew on as a professional

482
00:24:27.359 --> 00:24:30.759
himself in our space was a lot of times he

483
00:24:31.000 --> 00:24:35.319
gather all the facts and just make decisions based on

484
00:24:35.359 --> 00:24:39.759
those facts without understanding the emotional side to finance, which

485
00:24:39.799 --> 00:24:42.839
seems odd, but like, you can make those decisions, but.

486
00:24:43.039 --> 00:24:44.799
There is a person on the other end.

487
00:24:44.920 --> 00:24:47.400
That's going to interpret those decisions, that's going to have

488
00:24:47.440 --> 00:24:50.240
to live with those consequences, and sometimes you need to

489
00:24:50.279 --> 00:24:53.279
blend that together. And a lot of times the tax

490
00:24:53.400 --> 00:24:56.680
professional didn't do that. Tax professional says, here's what's great

491
00:24:56.720 --> 00:24:59.279
for you here in the now, but they didn't realize

492
00:24:59.359 --> 00:25:01.799
that in five or six years they might have an

493
00:25:01.839 --> 00:25:05.759
aging parent that they needed to take care of, or

494
00:25:06.440 --> 00:25:09.079
that tax professional didn't take into account that they might

495
00:25:09.079 --> 00:25:11.960
have had a special in each child, or whatever the

496
00:25:12.039 --> 00:25:15.759
situation might be. What ends up happening in that situation

497
00:25:15.880 --> 00:25:18.079
is they know a part of the story, but they

498
00:25:18.119 --> 00:25:20.720
have the facts that they can make a what they

499
00:25:20.799 --> 00:25:23.079
believe to be a wise decision in the moment, the

500
00:25:23.119 --> 00:25:25.759
here and the now, and it seems right on paper

501
00:25:26.000 --> 00:25:30.200
but ends up being a disastrous decision as time goes on.

502
00:25:31.480 --> 00:25:34.759
So finding somebody that's not only going to look at

503
00:25:34.759 --> 00:25:38.160
the situation from one perspective, but has the skill set

504
00:25:38.160 --> 00:25:41.759
to look at it from a multi perspective foundation, like

505
00:25:41.799 --> 00:25:43.519
we do here as a one stop shop, and it.

506
00:25:43.519 --> 00:25:46.160
Doesn't necessarily mean everything's just coming from me.

507
00:25:46.279 --> 00:25:48.640
It's like I have tax professionals on staff, I have

508
00:25:48.640 --> 00:25:52.519
a state attorneys, I have other advisors that look differently,

509
00:25:52.559 --> 00:25:56.079
that have different levels and areas of expertise, and it's

510
00:25:56.119 --> 00:26:00.440
just having a team approach to this is extremely batter official.

511
00:26:01.319 --> 00:26:05.039
Absolutely, that integrated approach allows the person like so whatever

512
00:26:05.079 --> 00:26:07.279
you are trying to convey, you're able to talk with

513
00:26:07.359 --> 00:26:11.200
the professionals rather than having three different segues.

514
00:26:12.000 --> 00:26:13.519
That would be very very powerful.

515
00:26:14.200 --> 00:26:17.240
So tell us, like, you know what got you to

516
00:26:17.279 --> 00:26:21.039
start the Triangle tech Net and what is it.

517
00:26:21.440 --> 00:26:25.039
That actually goes back to the foundation of family legacy.

518
00:26:25.519 --> 00:26:27.799
The stories of these two are kind of intertwined because,

519
00:26:27.839 --> 00:26:31.480
like I said, my business partner is my uncle, and

520
00:26:31.519 --> 00:26:35.440
when I first came up here, we were trying to

521
00:26:35.480 --> 00:26:37.240
figure out a way of like, Okay, he's going to

522
00:26:37.319 --> 00:26:42.160
make this the switch, this transition to financial planning, but

523
00:26:42.240 --> 00:26:45.519
he was expecting to do it over a probably minimum

524
00:26:45.519 --> 00:26:49.279
of six months, but preferably somewhere between twelve and twenty

525
00:26:49.279 --> 00:26:52.759
four months was the ideal amount of time frame, depending

526
00:26:52.759 --> 00:26:55.920
on the growth that we were experiencing on the financial side.

527
00:26:56.200 --> 00:26:58.240
So he was like, I need some runway. I want

528
00:26:58.279 --> 00:26:59.400
to make sure I can pay my bills.

529
00:26:59.440 --> 00:27:01.200
I don't have to go into debt, and then the

530
00:27:01.279 --> 00:27:03.559
income that I'm losing, even if I have to take

531
00:27:03.559 --> 00:27:04.440
a pay cut.

532
00:27:04.240 --> 00:27:06.160
That's fine. I just don't want to go from what

533
00:27:06.240 --> 00:27:07.440
I'm making now to zero.

534
00:27:09.559 --> 00:27:12.519
And that also sets the kind of foundation for us

535
00:27:12.519 --> 00:27:16.200
as family legacy because we don't operate on commission because

536
00:27:16.200 --> 00:27:18.279
we don't believe in it. We believe in having a

537
00:27:18.279 --> 00:27:22.279
fiduciary responsibility where our interests are directly tied to the

538
00:27:22.279 --> 00:27:23.079
people we serve.

539
00:27:23.680 --> 00:27:26.119
So there were times that we could.

540
00:27:25.960 --> 00:27:29.519
Have easily sold a few annuities or insurance products and

541
00:27:29.920 --> 00:27:34.319
made a boatload, if not a very decent living, but

542
00:27:34.599 --> 00:27:37.319
we for went all of that to do what was right.

543
00:27:37.160 --> 00:27:38.319
For the people we were serving.

544
00:27:38.400 --> 00:27:41.359
So the time frame to get up and running took

545
00:27:41.400 --> 00:27:44.480
closer to that two year period before we could turn

546
00:27:44.519 --> 00:27:49.119
an income stream on for Todd, so it was imperative

547
00:27:49.200 --> 00:27:52.119
and he chose this, and knowing that was the path,

548
00:27:52.240 --> 00:27:55.000
he said, he looked at me, his wife, his kids,

549
00:27:56.200 --> 00:27:58.160
and the rest of our family and just said, there's

550
00:27:58.160 --> 00:28:00.960
gonna be a time where I'm probably working seventy eighty

551
00:28:00.960 --> 00:28:03.240
hour weeks because I've got to do two.

552
00:28:03.039 --> 00:28:03.920
Full time jobs.

553
00:28:03.960 --> 00:28:06.680
And He's like, I'm willing to do it because I

554
00:28:06.720 --> 00:28:09.200
want to do I want to have that long term success.

555
00:28:09.960 --> 00:28:12.559
So and that's why I put in a I said, well,

556
00:28:12.559 --> 00:28:14.160
I only have one, but I'm gonna put the eighty

557
00:28:14.200 --> 00:28:17.240
hours a week into family Legacy.

558
00:28:17.440 --> 00:28:18.559
But it ended up.

559
00:28:18.519 --> 00:28:22.200
Being like fifty hours or sixty hours into Family Legacy

560
00:28:22.400 --> 00:28:26.160
and the rest actually ended up being into TTN, and

561
00:28:26.200 --> 00:28:29.160
which was a blessing in the long run because it

562
00:28:29.240 --> 00:28:32.680
really helped solidify me as a I guess you could

563
00:28:32.680 --> 00:28:34.519
say to a certain degree, a center of influence in

564
00:28:34.559 --> 00:28:37.759
the tech space for those who are in transition, because

565
00:28:37.759 --> 00:28:40.279
it all started with me going to Mo's helping Todd

566
00:28:40.799 --> 00:28:44.000
leverage his network, go through LinkedIn, get the LinkedIn up

567
00:28:44.039 --> 00:28:46.599
to par, get the resume up to par, and really

568
00:28:46.640 --> 00:28:49.119
help him look for a ten ninety nine role that

569
00:28:49.119 --> 00:28:51.960
would be a project based role anywhere from like I said, six,

570
00:28:52.240 --> 00:28:53.200
probably as little.

571
00:28:52.960 --> 00:28:54.680
As six months upwards of two years.

572
00:28:55.000 --> 00:28:59.039
Thankfully we found Qualcom for about twelve of those months,

573
00:28:59.400 --> 00:29:03.000
and then at the end of that contract, IBM came

574
00:29:03.039 --> 00:29:07.400
back calling, and a good few of his good colleagues,

575
00:29:07.440 --> 00:29:09.720
friends and mentors said, hey, we have a really short

576
00:29:09.799 --> 00:29:13.200
term based project at LEAD six months and it ended

577
00:29:13.279 --> 00:29:16.680
up turned out to be a year, and that really

578
00:29:16.680 --> 00:29:19.079
bridged the gap for us. But that wouldn't have happened

579
00:29:19.119 --> 00:29:22.480
without helping him network doing the things that I preach

580
00:29:22.519 --> 00:29:26.119
and teach at TTN. And from the experience of helping

581
00:29:26.200 --> 00:29:29.960
him with that, I met great people like yourself, John Rupel,

582
00:29:30.680 --> 00:29:36.039
and others that I'm very very thankful for, Eugene Barlaz.

583
00:29:36.359 --> 00:29:38.000
I mean, the list goes on and on and on

584
00:29:38.319 --> 00:29:40.720
that have decided to pay it forward and help out.

585
00:29:40.799 --> 00:29:43.039
So not just helping my uncle, but now we've had

586
00:29:43.079 --> 00:29:46.519
the blessing of probably helping well over a couple thousand

587
00:29:46.559 --> 00:29:51.039
people directly and indirectly find work in the triangle. So

588
00:29:52.359 --> 00:29:55.279
it was really meant to help Todd, but the real

589
00:29:55.319 --> 00:29:57.160
blessing was now we're not just we didn't just help

590
00:29:57.240 --> 00:29:59.599
him find the next role we've helped many many people

591
00:30:00.079 --> 00:30:01.000
find work as well.

592
00:30:01.960 --> 00:30:05.720
Yes, and it's so important to pay forward because that's

593
00:30:05.759 --> 00:30:09.000
the legacy we are going to leave behind. So tell us, like,

594
00:30:09.079 --> 00:30:12.000
you know, anybody who's in the Triangle area, where can

595
00:30:12.000 --> 00:30:15.799
they find the Triangle Techno and what can they expect

596
00:30:16.359 --> 00:30:19.839
when they come and join or is there Just give

597
00:30:19.920 --> 00:30:23.240
us the information to anybody from our audience. You know

598
00:30:23.319 --> 00:30:25.759
they're going through the transition, they know that they've got

599
00:30:25.759 --> 00:30:26.680
someone to lean on.

600
00:30:27.880 --> 00:30:31.720
Yeah, So we keep it pretty simple. It's a monthly

601
00:30:31.759 --> 00:30:35.279
based event. It happens on the third Friday of every month,

602
00:30:36.359 --> 00:30:37.839
and basically it's open to.

603
00:30:37.799 --> 00:30:40.839
Everybody and anybody, so you don't even have to be.

604
00:30:40.799 --> 00:30:44.920
In tech or even transition, but that is the audience

605
00:30:44.920 --> 00:30:47.400
in which we are geared towards. We do have a

606
00:30:47.400 --> 00:30:52.079
lot of recruiters, dop buy hiring managers, alumni. We had

607
00:30:52.079 --> 00:30:54.519
a few alumni this past event that showed up and

608
00:30:54.559 --> 00:30:56.559
we're actually in the midst of hiring, so it was

609
00:30:56.599 --> 00:30:59.599
really kind of nice that we were able to help

610
00:30:59.640 --> 00:31:02.359
some people almost on the spot at least get into

611
00:31:02.359 --> 00:31:05.359
the interview stage and maybe even potentially find work that

612
00:31:05.519 --> 00:31:09.079
will hopefully come out of it. So you can visit

613
00:31:09.119 --> 00:31:12.160
Triangle TechNet dot com, which is another great way where

614
00:31:12.160 --> 00:31:15.640
we advertise on there. This is a free event, so

615
00:31:16.279 --> 00:31:20.200
we don't have advertisers, we don't have things of that nature.

616
00:31:20.240 --> 00:31:24.400
It's just it's basically hosted by myself and the team

617
00:31:24.400 --> 00:31:25.519
here at Family Legacy.

618
00:31:26.160 --> 00:31:29.519
We put it on. There's no cost to it or anything.

619
00:31:29.519 --> 00:31:32.400
It's just for us to give back to the community

620
00:31:32.799 --> 00:31:34.920
and kind of go from there.

621
00:31:35.759 --> 00:31:36.759
I use event right and.

622
00:31:36.720 --> 00:31:38.839
Meet up as well, So I use a lot of

623
00:31:38.880 --> 00:31:41.880
those free creative ways in order to get the word

624
00:31:41.880 --> 00:31:44.720
out there, but most of the way people find us

625
00:31:44.720 --> 00:31:47.559
as word of mouth. Part of the reason I also

626
00:31:47.559 --> 00:31:49.359
have just recently, I had to take a little bit

627
00:31:49.359 --> 00:31:52.400
of a hiatus from the group during the COVID time

628
00:31:52.440 --> 00:31:54.960
period just because I couldn't have more than ten people

629
00:31:54.960 --> 00:31:59.400
in a room in North Carolina, so it wasn't exactly

630
00:31:59.440 --> 00:32:04.160
the most networking friendly environment at the time. So yeah,

631
00:32:04.200 --> 00:32:07.559
so we've actually able to grow, and I mean we're

632
00:32:07.559 --> 00:32:11.039
probably averaging somewhere between fifty and sixty people per event.

633
00:32:11.319 --> 00:32:13.519
And like I said, if you want to know more,

634
00:32:13.559 --> 00:32:15.960
you can go to the website, which is just triangle

635
00:32:16.119 --> 00:32:22.240
TechNet dot com. So yeah, there's information about not about

636
00:32:22.279 --> 00:32:24.920
me just as the host that if you want to

637
00:32:24.960 --> 00:32:27.480
know more about the structure of the event, that's really

638
00:32:27.480 --> 00:32:31.240
what my role on the website is. But the real

639
00:32:31.319 --> 00:32:35.480
value is the facilitators. There's seven or eight facilitators. You

640
00:32:35.519 --> 00:32:38.440
can learn about their background, ways they're able to pay

641
00:32:38.440 --> 00:32:40.920
it forward and help out. And there are these incredible

642
00:32:40.960 --> 00:32:45.880
breakout sessions at TTN that you can learn more from

643
00:32:45.920 --> 00:32:49.160
and each one of them. We have a probably a

644
00:32:49.200 --> 00:32:52.039
revolving door of seven or eight per per event and

645
00:32:52.160 --> 00:32:55.279
just great people paying it forward, giving a great insight

646
00:32:55.480 --> 00:32:59.359
on how you can establish yourself in the workforce, and

647
00:32:59.359 --> 00:33:02.039
if you're currently in transition, you can learn from some

648
00:33:02.079 --> 00:33:04.279
of the greats that will at one point or another.

649
00:33:04.279 --> 00:33:07.559
We're in the same shoes as people are currently unemployed

650
00:33:08.119 --> 00:33:10.279
and what they did to get themselves out of it

651
00:33:10.359 --> 00:33:13.160
and how they leverage their network and the community to

652
00:33:13.279 --> 00:33:14.119
find the right job.

653
00:33:15.799 --> 00:33:19.359
Absolutely, and Josh, you know, thank you for your kindness

654
00:33:19.400 --> 00:33:25.079
and opening up your heart and.

655
00:33:23.720 --> 00:33:28.920
The space for people. So it's I've known Josh for

656
00:33:29.839 --> 00:33:32.240
probably gosh several years.

657
00:33:32.240 --> 00:33:35.799
So if you're looking, if you're in transition, especially if

658
00:33:35.799 --> 00:33:38.759
you're in the Triangle area, please join us.

659
00:33:39.359 --> 00:33:40.039
I'm there.

660
00:33:40.039 --> 00:33:43.759
Most of the events like I used to had started,

661
00:33:43.799 --> 00:33:46.160
like you know, several years back and then full circle

662
00:33:46.240 --> 00:33:47.640
kind of came back.

663
00:33:47.680 --> 00:33:50.000
So definitely are there.

664
00:33:51.359 --> 00:33:56.200
Any last thoughts and how could people connect with you directly?

665
00:33:57.640 --> 00:33:59.680
Well, I'm an open book, so if you want to

666
00:33:59.720 --> 00:34:02.160
connect with me directly, just the you can go to

667
00:34:02.279 --> 00:34:06.839
either the triangletechnet dot com website or family LEGACYNC dot

668
00:34:06.880 --> 00:34:08.519
com shoot me an email.

669
00:34:09.440 --> 00:34:11.639
I'm probably one of the most laid back, easy to

670
00:34:11.639 --> 00:34:13.960
get to know. I like to say I'll have coffee

671
00:34:13.960 --> 00:34:16.280
with anyone, which is true. It's just like I enjoy

672
00:34:16.360 --> 00:34:20.440
that concept of networking. My wife would allowed I would

673
00:34:20.519 --> 00:34:23.760
prefer if I was a little less busy to give

674
00:34:23.760 --> 00:34:25.360
me at home. So I do try to make time

675
00:34:25.400 --> 00:34:28.280
for my beautiful wife and kids, but I still enjoy

676
00:34:28.320 --> 00:34:30.880
the networking. So if, like, if someone's out there, whether

677
00:34:30.880 --> 00:34:34.760
they're in transition or looking for finance help, and even

678
00:34:34.800 --> 00:34:36.840
if that's not you, and you just want to kind

679
00:34:36.840 --> 00:34:39.719
of connect and get to know me, let's grab coffee.

680
00:34:39.760 --> 00:34:40.480
I'm all for it.

681
00:34:42.199 --> 00:34:45.800
Absolutely. Well, thank you so much for joining us, and

682
00:34:46.800 --> 00:34:48.280
maybe issue all the best.

683
00:34:49.519 --> 00:34:52.360
In your endeavors and helping people because at the end

684
00:34:52.400 --> 00:34:55.000
of the day, that's what life is all about, coming

685
00:34:55.039 --> 00:34:56.400
together helping each other.

686
00:34:57.360 --> 00:35:00.199
So thank you Josh for all the work you're doing well.

687
00:35:00.239 --> 00:35:01.679
Thank you appreciate you having.

688
00:35:01.480 --> 00:35:06.320
Me absolutely and thank you wonderful audience, because without you,

689
00:35:06.360 --> 00:35:09.960
the show would not be possible. To check out those websites,

690
00:35:10.000 --> 00:35:14.599
especially if you're in the Triangle area, and make sure

691
00:35:14.639 --> 00:35:17.679
that you take the advantage of all the resources that

692
00:35:17.760 --> 00:35:20.079
are there to be offered and reach out to us

693
00:35:20.119 --> 00:35:25.000
as to how we could support you in the life

694
00:35:25.599 --> 00:35:29.719
and your dreams to come true. So and also thank

695
00:35:29.760 --> 00:35:32.400
you Je for making the show technically possible.

696
00:35:32.920 --> 00:35:36.119
Be well and take care. I'll see you next Tuesday.

697
00:35:37.440 --> 00:35:39.840
Thank you for being part of Beyond Confidence. With your

698
00:35:39.840 --> 00:35:42.159
host d v Park, we hope you have learned more

699
00:35:42.199 --> 00:35:44.880
about how to start living the life you want. Each

700
00:35:44.920 --> 00:35:47.840
week on Beyond Confidence, you hear stories of real people

701
00:35:47.920 --> 00:35:52.440
who've experienced growth by overcoming their fears and building meaningful relationships.

702
00:35:52.760 --> 00:35:56.159
During Beyond Confidence, Vpark shares what happened to her when

703
00:35:56.199 --> 00:35:58.559
she stepped out of her comfort zone to work directly

704
00:35:58.639 --> 00:36:01.719
with people across the globe. She not only coaches people

705
00:36:01.760 --> 00:36:05.239
how to form hard connections, but also transform relationships to

706
00:36:05.320 --> 00:36:08.719
mutually beneficial partnerships as they strive to live the life

707
00:36:08.719 --> 00:36:11.039
they want. If you are ready to live the life

708
00:36:11.119 --> 00:36:14.840
you want and leverage your strengths, learn more at www

709
00:36:14.920 --> 00:36:19.400
dotwpark dot com and you can connect with vat contact

710
00:36:19.440 --> 00:36:22.800
at dvpark dot com. We look forward to you're joining

711
00:36:22.840 --> 00:36:23.599
us next week