In this powerful episode of Navigating Abundant Retirement, host Carol Dewey shifts the conversation from traditional returns and market metrics to something far deeper: Return on Intention.

Carol explores why many retirees feel financially successful but emotionally unfulfilled — and how reconnecting money to meaning can transform the retirement experience. Through real client stories and a three-level framework (Stability, Security, Significance), she explains how to align your wealth with your values, your purpose, and the life you truly want to live.

This episode is a reminder that retirement isn’t just about having enough — it’s about knowing what “enough” means for you.

Many people spend their lives accumulating without defining “enough,” leading to endless chasing and emotional dissatisfaction.

ROI matters — but the deeper impact comes from how your financial decisions support joy, purpose, connection, and legacy.

• Stability — Financial Control

Understanding income, expenses, and cash flow.

• Security — Financial Confidence

Reliable income streams, tax strategies, and protection.

• Significance — Financial Purpose

Using wealth for legacy, impact, and meaning.

• Revisit your WHY — realign your financial decisions around your purpose.

• Align your financial tools — every account or product must serve a clear goal.

• Measure success differently — peace, purpose, and joy are the true metrics.

Through stewardship and gratitude, money becomes not just something you have — but something you use to bless others.

“The greatest wealth is the ability to fully experience life.” — Henry David Thoreau

If you're ready to connect your money with your meaning, schedule your Lifestyle & Legacy Assessment with Carol.

Discover how to align your income, investments, and estate plan with the life you truly want to live.

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In this episode, Carol Dewey takes a hard look at the financial myths that hold retirees back from living with true abundance. Inspired by Garrett Gunderson’s Killing Sacred Cows, Carol exposes the traditional money beliefs that keep investors anxious, reactive, and stuck in scarcity thinking.

From the illusion that “you must take big risks to get big rewards” to the outdated idea that “retirement is the finish line,” Carol helps you reframe wealth through the lens of stewardship, clarity, and confidence.

💡 Myth #1 – “You have to take big risks to get big rewards.”

True wealth isn’t about gambling—it’s about controlling risk and focusing on what you understand. Risk equals uncertainty, not reward.

💡 Myth #2 – “Retirement is the finish line.”

Purpose doesn’t stop at 65. True retirement is about purposeful independence—living with freedom, flexibility, and continued contribution.

💡 Myth #3 – “All debt is bad.”

Used strategically, debt can be a tool for efficiency and growth. The key isn’t debt-free—it’s financially free.

💡 Myth #4 – “Diversify and pray.”

Owning a dozen funds isn’t a strategy—it’s confusion. True diversification means owning with intention and clarity.

💡 Myth #5 – “Scarcity protects you.”

Scarcity thinking creates anxiety. Stewardship builds clarity, efficiency, and purpose-driven wealth.

• The wealthy don’t chase high returns—they create consistent, intentional returns that align with their lifestyle and peace of mind.
• Abundance isn’t a number—it’s a mindset.
• The goal is not to “retire,” but to stay engaged—mentoring, creating, and contributing.
• Debt isn’t the enemy; ignorance is. When you understand cash flow, leverage, and taxes, you control the game.
• Shift from fear to stewardship: manage what you have wisely so it can serve generations.

Scarcity says, “I might not have enough.”

Stewardship says, “I will multiply what I’ve been given.”

When you move from fear to stewardship, your wealth becomes purposeful, your decisions become clear, and your legacy becomes lasting.

📘 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, Carol Dewey dives into how investors can stay calm and confident when financial waters turn turbulent. Using the unforgettable metaphor of shark-infested markets, Carol explains how fear and uncertainty can drive poor decisions—and how to protect your portfolio when the market starts to churn.

Drawing from a real client story, Carol highlights how a well-structured plan can replace panic with peace of mind. You’ll also learn the four key traits of a disciplined investment approach and how Perpetual Wealth Financial helps clients navigate uncertainty with clarity, confidence, and control.

💡 Fear is natural—but it shouldn’t drive your strategy. Markets will always have “sharks” lurking beneath the surface.

💡 You can’t control the market, but you can control your response. Build a vessel strong enough for rough seas.

💡 Avoid the bait. Don’t chase hype or headlines—stick to fundamentals.

💡 Diversify and find safe harbors. Global allocation and protected income can smooth volatility.

💡 Preparation over prediction. Focus on what you can control: allocation, taxes, liquidity, and discipline.

1. Avoid the shiny objects. Ignore hype; focus on substance.
2. Focus on value and resilience. Invest in businesses built to adapt.
3. Think globally. Diversify beyond domestic headlines.
4. Keep safe harbors. Balance growth with stability through fixed income, annuities, and cash.

Carol shares the story of a cautious investor who lost trust after being ignored by her previous advisor. Together, they built a balanced plan—part annuity for guaranteed stability and part managed portfolio for long-term growth. The takeaway? When your advisor listens and your portfolio aligns with your comfort level, even the choppy waters become manageable.

🔹 You First: Every plan starts with your goals, not a product.

🔹 Taxes Last: Designed to minimize tax drag wherever possible.

🔹 Side Effects Least: Reduces hidden risks, costs, and unintended consequences.

Carol’s team also uses a 21-Point Wealth Assessment—a financial “safety inspection” to find leaks or weak points before the next storm.

📘 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,

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, Carol Dewey challenges the myth that your business must be perfect before it’s ready to sell. The truth? Strategic buyers aren’t looking for perfection—they’re looking for potential.

Carol unpacks how smart acquirers see opportunity in imperfection and how business owners can reframe their flaws as selling points. From understanding the difference between fatal flaws and fixable flaws to positioning your business story in the right way, this episode empowers business owners to view their companies through the eyes of strategic buyers.

💡 Perfection is overrated. Buyers value potential more than polish.

💡 Your flaws can be your edge. The right buyer may see your weaknesses as opportunities.

💡 Think synergy, not symmetry. Strategic buyers look for how your business complements theirs.

💡 Differentiate fatal vs. fixable flaws. Clean up compliance issues, but highlight fixable ones.

💡 Preparation beats perfection. A transferable business is far more valuable than a flawless one.

1. Tell the right story. Frame your weaknesses as opportunities for growth.
2. Identify the “who” before the “fix.” Find buyers whose strengths fill your gaps.
3. Document your core strengths. Make your intellectual capital and relationships clear.
4. Build recurring value. Even small recurring revenue streams add predictability.
5. Work with advisors who understand M&A psychology. The right story + strategy = maximum 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

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