https://www.facebook.com/103847637888379/

Freedom 1st Financial, Rochester, MI (2026)

11/19/2025

PSA: VERY possibly the LAST CHANCE to position yourself in Crypto This Cycle.
ADDITIONAL THOUGHTS IN COMMENTS SECTION!

(This is general educational content only. Not individualized investment, legal, or tax advice. Everyone’s situation is different—do your own research before making financial decisions.)

05/27/2025

🚨 Big Update: We're Getting More Focused 🚨

Over the years, many of you have connected with me here through 𝐅𝐫𝐞𝐞𝐝𝐨𝐦 𝟏𝐬𝐭 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥, where I’ve shared insights on building wealth and developing a mindset for financial success.

Simultaneously, I've also been very involved in the world of insurance — from personal protection to business strategies. Since insurance plays a critical role in your financial life — protecting what you’ve worked so hard to build — it’s always been a natural extension of the work we do.

As I've developed these 2 parts of the business over the years, I've come to an important realization:
👉 𝐼𝑡’𝑠 𝑡𝑖𝑚𝑒 𝑡𝑜 𝑔𝑖𝑣𝑒 𝑒𝑎𝑐ℎ 𝑎𝑟𝑒𝑎 𝑡ℎ𝑒 𝑠𝑝𝑎𝑐𝑒 𝑎𝑛𝑑 𝑐𝑙𝑎𝑟𝑖𝑡𝑦 𝑖𝑡 𝑑𝑒𝑠𝑒𝑟𝑣𝑒𝑠.

Here's what you can expect moving forward:
🔷 𝐅𝐫𝐞𝐞𝐝𝐨𝐦 𝟏𝐬𝐭 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 will return to its roots — focused on helping you grow, accelerate, and think like a 𝐰𝐞𝐚𝐥𝐭𝐡 builder. We’ll continue posting about:
- Wealth accumulation strategies 💰
- Mindset, motivation, and financial education 🧠
- Legacy and long-term planning for high achievers 👨‍👩‍👧‍👦

🔴 Meanwhile, at Preferred Choice Insurance Group, LLC we'll be focusing fully on all things 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞, helping you guard against the risks that could derail your goals:
- Medicare & Health Insurance
- Life Insurance & Final Expense
- Disability & Long-Term Care
- Terminal Illness & Cancer Plans
- Dental, Vision & Hospital Indemnity
- Group Health & ICHRA Plans
- Accidental Death & Mortgage Protection
- Buy/Sell Funding & Business Continuation
- Tax-Free Wealth Transfers
- "Rich Man’s Roth" & Infinite Banking Concepts

You’ll see me active on both pages, but each brand will now have its own voice and focus — so feel free to follow both as different stages of your journey might call for one or the other, or even both at the same time! 😊

💡 Whether you’re protecting your health, planning your wealth, or building generational wealth — we’ve got you covered.

Thanks for staying tuned — big things are ahead!

03/22/2025

🚨 𝐖𝐡𝐞𝐧 𝐀𝐧𝐧𝐮𝐢𝐭𝐢𝐞𝐬 𝐌𝐢𝐠𝐡𝐭 𝐍𝐎𝐓 𝐌𝐚𝐤𝐞 𝐒𝐞𝐧𝐬𝐞 🚨

Annuities can be a powerful tool for 𝐭𝐚𝐱 𝐝𝐞𝐟𝐞𝐫𝐫𝐚𝐥, 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐬, 𝐚𝐧𝐝 𝐥𝐢𝐟𝐞𝐭𝐢𝐦𝐞 𝐢𝐧𝐜𝐨𝐦𝐞, but they’re not for everyone. In fact, in the wrong situation, they could 𝐡𝐮𝐫𝐭 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐡𝐞𝐥𝐩.

Here are some reasons why an annuity 𝐦𝐚𝐲 𝐍𝐎𝐓 𝐛𝐞 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐟𝐢𝐭 for you:

❌ 𝐘𝐨𝐮 𝐧𝐞𝐞𝐝 𝐟𝐮𝐥𝐥 𝐥𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲 – Annuities typically have surrender charges, meaning you can’t just pull all your money out penalty-free whenever you want. If you might need access to a large portion of your money in the short term, an annuity may not be ideal.

❌ 𝐘𝐨𝐮 𝐰𝐚𝐧𝐭 𝐡𝐢𝐠𝐡 𝐠𝐫𝐨𝐰𝐭𝐡 𝐩𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 & 𝐝𝐨𝐧’𝐭 𝐦𝐢𝐧𝐝 𝐫𝐢𝐬𝐤 – If your goal is aggressive investing and you're comfortable with market ups and downs, a brokerage account with stocks, ETFs, or real estate may be a better fit.

❌ 𝐘𝐨𝐮 𝐝𝐨𝐧’𝐭 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮’𝐫𝐞 𝐛𝐮𝐲𝐢𝐧𝐠 – Annuities come in different types (fixed, indexed, variable, immediate, etc.), and some have complex rules. If someone is rushing you into an annuity 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐞𝐱𝐩𝐥𝐚𝐢𝐧𝐢𝐧𝐠 𝐭𝐡𝐞 𝐟𝐢𝐧𝐞 𝐩𝐫𝐢𝐧𝐭, that’s a red flag. 🚩

👉 𝐌𝐨𝐫𝐚𝐥 𝐨𝐟 𝐭𝐡𝐞 𝐬𝐭𝐨𝐫𝐲? 𝐀𝐧 𝐚𝐧𝐧𝐮𝐢𝐭𝐲 𝐢𝐬 𝐚 𝐭𝐨𝐨𝐥, 𝐧𝐨𝐭 𝐚 𝐨𝐧𝐞-𝐬𝐢𝐳𝐞-𝐟𝐢𝐭𝐬-𝐚𝐥𝐥 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧. 𝐖𝐨𝐫𝐤 𝐰𝐢𝐭𝐡 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐰𝐡𝐨 𝐰𝐢𝐥𝐥 𝐞𝐝𝐮𝐜𝐚𝐭𝐞 𝐲𝐨𝐮, 𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐬𝐞𝐥𝐥 𝐭𝐨 𝐲𝐨𝐮. 𝐈𝐟 𝐲𝐨𝐮'𝐫𝐞 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐢𝐧𝐠 𝐨𝐧𝐞, 𝐥𝐞𝐭’𝐬 𝐭𝐚𝐥𝐤 𝐚𝐧𝐝 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐢𝐭 𝐚𝐥𝐢𝐠𝐧𝐬 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐠𝐨𝐚𝐥𝐬.

📲 Send a message, and let’s discuss whether an annuity makes sense for you—or if another strategy is a better fit!

03/21/2025

𝐖𝐞𝐚𝐥𝐭𝐡 𝐬𝐭𝐚𝐫𝐭𝐬 𝐰𝐢𝐭𝐡 𝐦𝐢𝐧𝐝𝐬𝐞𝐭.

Recently, I was stuck between three big decisions—uncertain, overanalyzing, and feeling unsettled.

Then I prayed about it, and a powerful thought came to me:

"𝐊𝐢𝐧𝐠𝐬 𝐤𝐧𝐨𝐰 𝐰𝐡𝐚𝐭 𝐭𝐡𝐞𝐲 𝐰𝐚𝐧𝐭."

That simple shift changed everything. I looked at my choices 𝐥𝐢𝐤𝐞 𝐚 𝐤𝐢𝐧𝐠 𝐰𝐨𝐮𝐥𝐝—with confidence, clarity, and purpose. The right decision became obvious.

When it comes to building wealth, making financial moves, or securing your future, the same principle applies:
👑 Believe you ACTUALLY ARE a king/queen(cause you are).
👑 See the situation from the perspective of a king/queen.
👑 Make bold decisions that align with your position as a king/queen, confidently sitting on the throne.

Wealth isn’t just about money—it’s about the mindset behind it.

03/02/2025

𝐆𝐨𝐭 𝐚 𝐜𝐡𝐮𝐧𝐤 𝐨𝐟 𝐜𝐡𝐚𝐧𝐠𝐞 𝐬𝐢𝐭𝐭𝐢𝐧𝐠 𝐢𝐧 𝐬𝐚𝐯𝐢𝐧𝐠𝐬, 𝐚𝐧 𝐢𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞, 𝐚 𝐥𝐮𝐦𝐩-𝐬𝐮𝐦 𝐩𝐚𝐲𝐨𝐮𝐭, 𝐨𝐫 𝐚 𝐂𝐃?

(Especially if you're not a fan of market risk & volatility 📉😬)

An annuity isn’t the only option, but it can be a powerful one—depending on your timeline, goals, and overall financial picture.

Unfortunately, annuities have sometimes been misused by salespeople who either didn’t fully understand them or didn’t take the time to educate their clients properly. That’s why it’s 𝐜𝐫𝐮𝐜𝐢𝐚𝐥 𝐭𝐨 𝐰𝐨𝐫𝐤 𝐰𝐢𝐭𝐡 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐰𝐡𝐨 𝐰𝐢𝐥𝐥 𝐛𝐫𝐞𝐚𝐤 𝐝𝐨𝐰𝐧 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐟𝐚𝐜𝐭𝐬—𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐩𝐮𝐬𝐡 𝐚 𝐬𝐚𝐥𝐞.

So when 𝐝𝐨𝐞𝐬 an annuity make sense? Here are a few reasons people choose them:

✅ 𝐓𝐚𝐱 𝐝𝐞𝐟𝐞𝐫𝐫𝐚𝐥 – Grow your money faster by delaying taxes(Illustrated in the attached graph)
✅ 𝐏𝐫𝐢𝐧𝐜𝐢𝐩𝐚𝐥 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 – You can’t lose money due to market drops
✅ 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐥𝐢𝐟𝐞𝐭𝐢𝐦𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 – Like a pension, it keeps paying no matter how long you live
✅ 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬 – Safe, steady growth
✅ 𝐈𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 – Helps your income keep up with rising costs
✅ 𝐔𝐩𝐬𝐢𝐝𝐞 𝐠𝐫𝐨𝐰𝐭𝐡 – Earn interest based on market performance, without direct market risk

If you’ve ever wondered whether an annuity might be right for your situation, let’s have a real conversation about your options—no pressure, just clarity.

We’re here to help! ☺

For additional insight, tips, tricks(including upcoming content on the potential pitfalls and what to look out for when it comes to annuities), stay tuned!

02/26/2025

💰 𝐇𝐨𝐰 𝐓𝐚𝐱𝐞𝐬 𝐈𝐦𝐩𝐚𝐜𝐭 𝐘𝐨𝐮𝐫 𝐆𝐫𝐨𝐰𝐭𝐡 📈

Many people already invest in tax-deferred vehicles like 401(k)s or IRAs. But what happens when you come into a 𝐥𝐚𝐫𝐠𝐞𝐫 𝐬𝐮𝐦 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲—an inheritance, a lump-sum payout, or a big savings rollover? 🤔

Since the IRS limits how much you can contribute to tax-deferred accounts each year, you’re left with two choices:

1️⃣ 𝐏𝐚𝐲 𝐡𝐢𝐠𝐡𝐞𝐫 𝐭𝐚𝐱𝐞𝐬 on your growth each year 💸
2️⃣ 𝐊𝐞𝐞𝐩 𝐦𝐨𝐫𝐞 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 by using a tax-deferred annuity 📊

Check out the graph to see the difference! The right strategy can help 𝐲𝐨𝐮 𝐠𝐫𝐨𝐰 𝐲𝐨𝐮𝐫 𝐰𝐞𝐚𝐥𝐭𝐡 𝐦𝐨𝐫𝐞 𝐞𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐭𝐥𝐲 and keep more of what you’ve earned. Let’s talk about your options! 📞💼

(𝐸𝑥𝑎𝑚𝑝𝑙𝑒 𝑖𝑛 𝑝ℎ𝑜𝑡𝑜 𝑎𝑠𝑠𝑢𝑚𝑒𝑠 $100,000 𝑔𝑟𝑜𝑤𝑖𝑛𝑔 𝑎𝑡 5%, 25% 𝑡𝑎𝑥 𝑏𝑟𝑎𝑐𝑘𝑒𝑡.)

02/05/2025

💖 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐬 𝐋𝐨𝐯𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 💖

February is all about love, but beyond the flowers and chocolates, true love is about 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧, 𝐜𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭, 𝐚𝐧𝐝 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲. One of the greatest acts of love is ensuring that your family is financially secure—𝐧𝐨 𝐦𝐚𝐭𝐭𝐞𝐫 𝐰𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐬.

Life insurance isn’t just a policy; it’s a promise. A promise that your loved ones will have the support they need when they need it most. Whether it’s covering daily expenses, future education, or a mortgage, the right coverage can make all the difference.

Let’s make sure your family is taken care of. 💕 I’m here to help you find the best options for your needs. 𝐒𝐞𝐧𝐝 𝐦𝐞 𝐚 𝐦𝐞𝐬𝐬𝐚𝐠𝐞 𝐨𝐫 𝐜𝐨𝐦𝐦𝐞𝐧𝐭 “𝐋𝐎𝐕𝐄” 𝐛𝐞𝐥𝐨𝐰, 𝐚𝐧𝐝 𝐈’𝐥𝐥 𝐫𝐞𝐚𝐜𝐡 𝐨𝐮𝐭!

12/28/2024

👉 “𝐈𝐬 𝐓𝐡𝐢𝐬 𝐀𝐝𝐯𝐚𝐧𝐜𝐞𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐭𝐡𝐞 𝐌𝐢𝐬𝐬𝐢𝐧𝐠 𝐏𝐢𝐞𝐜𝐞 𝐢𝐧 𝐘𝐨𝐮𝐫 𝐖𝐞𝐚𝐥𝐭𝐡-𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐏𝐥𝐚𝐧?”

A few years ago, I discovered a financial strategy that I first applied to my own journey and later began sharing with others. 🚀💼 It’s a way to 𝑙𝑒𝑣𝑒𝑟𝑎𝑔𝑒 𝑦𝑜𝑢𝑟 𝑤𝑒𝑎𝑙𝑡ℎ as a tool to accelerate your financial growth even further. 📈

Initially, I was excited to share this approach with anyone and everyone. 🤝 But over time, I realized that, like most powerful tools, it’s not a one-size-fits-all solution. 🛠️ Success with this strategy depends on the right mindset, financial foundation, and goals. 🧠💪

So, who might be a good candidate? 🤔

𝐥𝐞𝐯𝐞𝐫𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐰𝐞𝐚𝐥𝐭𝐡 𝗕𝗢𝗧𝗛 𝐨𝐟 𝐭𝐡𝐞𝐬𝐞 𝐜𝐫𝐢𝐭𝐞𝐫𝐢𝐚:
✅ A genuine curiosity and appetite for advanced financial strategies, paired with the ability and motivation to understand them.
✅ A consistent track record of significant positive cash flow. 💵

𝐀𝐧𝐝 𝐚𝐭 𝐥𝐞𝐚𝐬𝐭 𝗢𝗡𝗘 𝐨𝐟 𝐭𝐡𝐞𝐬𝐞 𝐜𝐫𝐢𝐭𝐞𝐫𝐢𝐚:
💡 You’re currently utilizing multiple lines of debt (loans) to fund your ventures.
-𝐎𝐑-
🏦 You’re interested in creating your own asset as a funding mechanism—giving you quicker access, more flexible terms, and lower interest rates compared to traditional institutions and banks. 📊✨

If this sounds like you, let’s connect and explore how this strategy might fit into your financial vision. 🙌

12/18/2024

As we near the end of the year, it’s the perfect time to think about ways to steward your wealth wisely while making a meaningful impact. If you’re facing tax liabilities or required to take RMDs (Required Minimum Distributions) from retirement assets, consider giving to a cause that matters instead of taking a tax hit.

🌟 𝐐𝐮𝐚𝐥𝐢𝐟𝐢𝐞𝐝 𝐂𝐡𝐚𝐫𝐢𝐭𝐚𝐛𝐥𝐞 𝐃𝐢𝐬𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 (𝐐𝐂𝐃𝐬)
If you’re 70½ or older and need to take RMDs, you can donate directly to a charity through a QCD. It’s a win-win: you fulfill your RMD obligation, avoid paying income taxes on the distribution, and help a cause you believe in.
🌟 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐃𝐞𝐝𝐮𝐜𝐭𝐢𝐨𝐧 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬
As a business owner, donating to a qualified charity can help reduce tax liability while supporting something meaningful. It’s a strategic way to give back and save at the same time.
One incredible organization I highly recommend is Love For A Child founded by my good friend. Their mission touches lives and makes a real difference for children in need. Your generosity could bring hope and transformation to those who need it most This Holiday Season.

Let’s steward wealth responsibly and invest in something bigger than ourselves. If you’d like to learn more about QCDs or how charitable giving can fit into your financial plan, send me a message.

12/09/2024

🚨 Important Reminder! 🚨

This is the LAST WEEK to make changes or enroll in your healthcare coverage for the upcoming year. 🏥⏳

Whether you're updating your current plan or need help finding coverage that works for you and your family, now is the time to act! Don’t miss the deadline—it’s your opportunity to secure the protection and peace of mind you deserve.

If you have questions or need assistance, feel free to reach out—I’m happy to help or point you in the right direction!

12/04/2024

🌟 𝐍𝐨𝐯𝐞𝐦𝐛𝐞𝐫 was 𝐃𝐢𝐚𝐛𝐞𝐭𝐞𝐬 𝐀𝐰𝐚𝐫𝐞𝐧𝐞𝐬𝐬 𝐌𝐨𝐧𝐭𝐡! 🌟

Did you know that in 2021, diabetes was the 𝟖𝐭𝐡 𝐥𝐞𝐚𝐝𝐢𝐧𝐠 𝐜𝐚𝐮𝐬𝐞 𝐨𝐟 𝐝𝐞𝐚𝐭𝐡 in the U.S.? Even more concerning, 𝟒𝟕% 𝐨𝐟 𝐝𝐢𝐚𝐛𝐞𝐭𝐞𝐬-𝐫𝐞𝐥𝐚𝐭𝐞𝐝 𝐝𝐞𝐚𝐭𝐡𝐬 𝐨𝐜𝐜𝐮𝐫 𝐛𝐞𝐟𝐨𝐫𝐞 𝐭𝐡𝐞 𝐚𝐠𝐞 𝐨𝐟 𝟕𝟎.

💙 As someone who cares deeply about my family, friends, and clients affected by diabetes, I want to share some ways I can support those navigating this challenge.

💊 𝐇𝐞𝐥𝐩 𝐟𝐨𝐫 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞-𝐀𝐠𝐞 𝐃𝐢𝐚𝐛𝐞𝐭𝐢𝐜𝐬
📦 𝑆𝑖𝑚𝑝𝑙𝑖𝑓𝑦 𝑦𝑜𝑢𝑟 𝑑𝑖𝑎𝑏𝑒𝑡𝑒𝑠 𝑐𝑎𝑟𝑒 with my company's partnership with a Diabetes Medical Supply service! Here's what it offers:
🚚 F𝐫e𝐞 𝐡o𝐦e d𝐞l𝐢v𝐞r𝐲 of a 90-day supply of diabetes medications and supplies.
💡 Assistance determining your eligibility for 𝐧e𝐰 𝐞q𝐮i𝐩m𝐞n𝐭 under Medicare, including:
-Blood glucose meters.
-Continuous Glucose Monitors (CGMs) with the
latest technology.
-Insulin pumps and supplies.
-Other essentials like syringes and Part D items.

IF YOU CHECK YOUR BLOOD SUGAR(OR SHOULD BE!), I CAN HELP MAKE MANAGING YOUR DIABETES EASIER AND MORE AFFORDABLE.

💙 𝐘𝐨𝐮’𝐫𝐞 𝐧𝐨𝐭 𝐚𝐥𝐨𝐧𝐞 in your journey with diabetes. Let’s work together to improve your health, quality of life, and financial peace of mind.

📩 Feel free to reach out or tag someone who might need this support! Together, we can make a difference. 💪✨

ps - I will share another way I can help on my next post.

Freedom 1st Financial

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