Volatility is back — but panic shouldn’t be part of your portfolio.

In this episode of Navigating Abundant Retirement Radio, Carol Dewey breaks down why markets are swinging, what’s really happening beneath the headlines, and how disciplined investors can sleep in peace — even when Wall Street doesn’t.

From geopolitical tensions and Fed policy shifts to silver’s surprising strength, Carol explains how tactical strategies and safe-money planning can help you stay confident no matter what the markets do next. You’ll also learn how her firm’s Sleep in Peace Strategy helps clients protect their wealth, preserve income, and keep their focus on living life — not watching tickers.

• Why recent volatility is “normal” in an election year — and what’s driving it.
• The difference between reacting to headlines and following disciplined signals.
• How the “Sleep in Peace Strategy” helps investors avoid emotional mistakes.
• Why protection beats perfection when it comes to long-term investing.
• How silver and other defensive-growth assets fit into a resilient portfolio.
• The “Three Worlds of Money” framework — balancing banking, insurance, and investments for true stability.

Markets will always move — but with the right plan, your confidence doesn’t have to.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

In this episode of Navigating Abundant Retirement, Carol Dewey dives into one of the most powerful yet overlooked drivers of company value — Monopoly Control.

When you build a moat around your business, you stop competing on price and start commanding premium valuations. It’s not about being the biggest in your industry — it’s about being the only one in your niche who solves a critical problem better than anyone else.

Carol shares real-world stories, including how one founder outperformed billion-dollar competitors not by expanding, but by focusing. You’ll learn how clarity, specialization, and defensibility create lasting enterprise value — and why buyers line up for businesses with strong moats.

• What “monopoly control” really means — and how it drives higher EBITDA multiples.
• The danger of operating in “commodity land” and constantly competing on price.
• A real-life founder who beat billion-dollar firms by going deep instead of broad.
• Three proven strategies to build your moat:

🎯 Niche specialization

💡 Patents & intellectual property

🤝 Customer dependency & trust

• How monopoly control fuels a virtuous cycle of stronger margins, higher earnings, and premium valuation.
• Why your moat doesn’t have to rely on technology — it can be built on focus, relationships, and expertise.

Monopoly Control isn’t about outmuscling competitors — it’s about out-positioning them. Learn how to build a business that commands respect, pricing power, and long-term wealth.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

In this Special Market Report, Carol Dewey unpacks one of the market’s biggest surprises — a rally during a government shutdown. While headlines scream uncertainty, history tells a very different story.

Carol explains why the market is celebrating instead of panicking, what weak payroll and manufacturing data mean for Federal Reserve policy, and how seasonal patterns could make October a strong month for investors.

Tune in to understand why long-term investors shouldn’t be rattled by short-term noise — and how temporary disruptions often create opportunity.

• Why markets often rise during government shutdowns.
• How weak payroll data can actually spark optimism on Wall Street.
• What the ISM manufacturing report signals for potential Fed rate cuts.
• Why missing economic data may be boosting investor sentiment.
• The seasonal tailwinds that make October historically strong for stocks.

Markets don’t always behave the way the headlines suggest — and this episode explains why the data beneath the surface matters most.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

Most CPAs are historians—they tell you what happened last year. But business owners and high-net-worth families can’t afford to just look backward. In this episode, Carol Dewey introduces The Crown Program: an exclusive, invitation-only approach to advanced tax and business planning designed to help you keep more of what you’ve built, protect your legacy, and exit without regret.

What You’ll Learn in This Episode:

• Why traditional tax planning fails business owners.
• The “doctor analogy” and how Diagnose → Prescribe → Fill applies to wealth strategy.
• Real-world case studies where The Crown Program saved clients hundreds of thousands in taxes.
• What makes white-glove planning different from CPA year-end prep.
• Why acting now (not April) is crucial to avoid costly mistakes.
• Who The Crown Program is for—and who it isn’t for.

Key Takeaway:

Short-term tax tricks can sabotage your long-term legacy. Strategic, proactive planning helps you keep more of what you’ve earned, protect your wealth, and secure the future of your business and family.

Resources & Links Mentioned:

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

Selling your business is one of the biggest financial turning points in your life—but without planning, you could lose 30–40% of its value to taxes. In this episode, Carol Dewey breaks down how to turn tax traps into tax savings so you can exit with confidence and without regret.

Carol shares real-life case studies of business owners who reduced their tax bills by millions using strategies like installment sales, charitable remainder trusts, deferred sales trusts, opportunity zone funds, and wealth replacement trusts. You’ll learn why the time to plan is before you sell—not after the ink is dry.

Whether you’re five years away from selling or already considering an exit, this episode will help you protect your wealth, provide for your family, and build a lasting legacy.

• Why selling your business without tax planning could cost you up to 40% of its value
• How capital gains taxes and depreciation recapture impact your proceeds
• Deferral strategies that give you more time, flexibility, and income control
• The role of wealth replacement trusts in protecting your heirs
• The 3 essential steps to take if you’re within five years of an exit

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

Many business owners fall into the trap of treating their company like a personal piggy bank. Running lifestyle expenses through the business might feel like a smart tax move today — but when it’s time to sell, those shortcuts can slash millions off your valuation.

In this episode, Carol Dewey pulls back the curtain on how “tax tricks” and commingled expenses quietly erode enterprise value, destroy EBITDA multiples, and compromise your long-term legacy. Through real-world case studies — from a dry cleaner to a physician group to a franchisee — you’ll see the hidden cost of short-term thinking and how to reposition your business as a true wealth engine.

• Why commingling personal and business expenses shrinks your EBITDA (and your valuation).
• Real-world stories of business owners who lost millions by treating their company like a piggy bank.
• How to shift from short-term “tax savings” to long-term wealth creation.
• Why buyers, bankers, and investors demand clean books.
• How Clarus Advisory Partners and Perpetual Wealth Financial help protect your profits, maximize valuation, and safeguard your legacy.

Whether you’re preparing for an exit or just building toward future wealth, this episode will change the way you think about taxes, profits, and your business’s true value.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

Your business is being valued every single day — whether you realize it or not. The choices you make now determine whether buyers see a thriving, transferable company… or a risky operation that depends too much on you.

In this episode, Carol Dewey introduces the PURE Framework — Plus, Unnecessary, Replaceable, Equal — a practical roadmap for boosting profits today while securing a higher valuation tomorrow. You’ll learn how to strip away inefficiencies, build systems that don’t rely on you, and create balance across contracts and relationships. And, you’ll see how PURE connects directly to EBITDA multiples, exit planning, and tax efficiency.

• Why valuation isn’t just about revenue — and how PURE drives higher multiples.
• How to spot and eliminate “unnecessary” expenses dragging down your books.
• Why making yourself replaceable is the #1 way to increase business value.
• How to use PURE to optimize not only profits, but also tax efficiency.
• Real-world case studies of medical practices, manufacturers, and family businesses that applied PURE to unlock millions in value.

Whether you’re planning to sell soon or decades from now, this framework will help you create a business buyers can’t resist — and the IRS can’t erode.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

In this episode of Navigating Abundant Retirement, Carol Dewey explores one of the most overlooked yet critical aspects of wealth management—the difference between simply recording history with your CPA and designing your financial future with proactive tax planning.

Carol explains why the next 18 months may be one of the most important tax planning windows in decades, the opportunities created by the recently extended “One Big Beautiful Bill,” and real-world case studies where clients saved millions by planning ahead.

This episode is packed with strategies most CPAs never bring up—perfect for business owners, high-income professionals, and high-net-worth families who want to keep more of what they’ve worked so hard to earn.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube