Broker Check

HRWM's - Life, Health and Wealth™ Archive

Episode 1 - Intro to Harbor Rock Wealth Management

In this first episode of HRWM's Life, Health and Wealth™, Jimmy and Ruben reflect on their first year as independent advisors with LPL Financial.  This episode serves as an introduction to who they are, where they've been and the 'familial' culture they are creating at Harbor Rock Wealth Management.

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Episode 2 - Health Insurance and Advocacy with Special Guest  - Carlos Aguilar

In this episode of Life, Health and Wealth™, we discuss Health Insurance from an 'Advocates' perspective and unveil some of the myth's of an Insurance Agent/Salesman. Our guest, Carlos Aguilar of 3G Insurance Services, provides his insight on Health Insurance today, as well as examples of how he interacts and goes the extra mile for his clients. At Harbor Rock Wealth Management, we strive to surround ourselves with fellow business owners and influential members of our community, that focus on building lasting relationship on a foundation of integrity and trust. Carlos and 3G Insurance Services is an outstanding example of this.

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Episode 3 - Real Estate Insights with Special Guest - Matt McGinnis

In this episode of Life, Health and Wealth™, we discuss Real Estate with Matt McGinnis of Pacific Keys Realty. Topics entailed Matt's professional background, the Covid-19 impact on the home-buying experience and marketing, the importance of trust and client advocacy, as well as rental property considerations and first-time homebuyer tips.

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Episode 4 - Life, Disability & Long Term Care Insurance with Brandon Ratliff

In this episode of Life, Health and Wealth™, we discuss Life, Disability and Long-Term Care insurance with Trusted Contact, Brandon Ratliff, of Pelorus Financial Group. During our session, Brandon explains what solutions are relevant and what types and amounts of coverage limits are appropriate for specific client needs. As this subject matter can be overwhelming and confusing, it was another clear example that being able to lean on a trusted expert in the field is vital to providing our clients with world-class service.

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Episode 5 - Breaking Stasis and Identifying Synchronicities with Jake Jerome 

In this episode of Life, Health and Wealth™, we discuss Breaking Stasis and Identifying Synchronicities with good friend, mentor and community influencer, Jake Jerome. During our session, Jake explains what 'stasis' is and how being in a state of 'stasis' can both help or hinder us from being the most authentic version of ourselves. Breaking stasis allows one to prioritize their values as well as unlock creativity.

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Episode 6 - Relational Leadership with Dr. Brad Baker 

In this episode of Life, Health and Wealth™, we discuss Relational Leadership with good friend and Trusted Contact, Dr. Brad Baker of Dana Hills High School. In this episode, Dr. Baker shares his story and how he overcame personal challenges in his youth, to become the inspiring leader he is today. We discuss the importance of building and establishing relationships, earning trust, being a differentiator and leading with authenticity.

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Episode 7 - Estate Planning 101 with John Stifter 

In this episode of Life, Health and Wealth™, we discuss Estate Planning with our Trusted Contact, John Stifter, from Stifter Law Corp.  John provides an overview of the key components of an Estate Plan (Will, Trust, Power of Attorney, etc.).  We also discuss why Estate Planning is imperative for all, not just the wealthy.

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Episode 8 - Unveiling the Truth's of Artificial Intelligence with Frank Scavo

In the episode of Life, Health and Wealth™, we discuss Artificial Intelligence (AI) with Frank Scavo of Avasant. Frank is an authority within the AI community and has been deep into research on AI's applications for many years. Our conversation covers AI's history, applications within our everyday lives, risks and challenges, and highly anticipate breakthroughs in the future.

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Episode 9 - A Great Hang with Singer/Songwriter David Rosales

In this episode of Life, Health and Wealth™, we sit down with singer/songwriter, David Rosales, as we take a trip down memory lane, discussing personal connections and humble beginnings, while taking a deep look inside as to what inspires us and how we handle adversity. During this 'coming of age' session, David recalls his transition into telling stories through his music and how his family plays such an integral role in his artistic expression. Also, David explains the BraveOnes Foundation, in which he and his wife co-founded, to raise resources and awareness for children in need. Finally, David shares a special version of his song, Turn It Around, which was featured on his album, Revive, to be included on their EP being released in October.

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Episode 10 - Timeshares and the Family Experience with Nate Smith

In this episode of Life, Health and Wealth™, Nate Smith joins us and shares what it was like to grow up in the tight-knit community of San Clemente while embracing the culture and coastal vibe, and understanding how fulfilling it can be to immerse oneself in the community. Nate also explains the timeshare industry and what goes into making educated decisions while considering joining the club. The timeshare tour with Nate continues as he explains that creating memories with the family and committing to putting in the time to really understand personal needs and wants is the key to a successful experience.

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Episode 11 - Long-Term Care Insurance: The Fine Points with Brandon Ratliff

In this episode of Life, Health and Wealth™, Brandon Ratliff from Pelorus Financial Group is back for another visit to hone in on Long-Term Care (LTC) Insurance. We start off with Long-Term Care 101, which explains what LTC is, what it covers, and different examples of what some of these solutions look like. As we dive deeper in our discussion, Brandon explains how important it is to address LTC sooner, rather than later, and how this particular insurance solution can take so much pressure off a family as our loved ones approach their final years. And lastly, Brandon gives us a glimpse as to what may be on the horizon for state sponsored programs and other expected LTC developments.

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Episode 12 - Medicare Deep Dive and Details with Carlos Aguilar of 3G Insurance Services

In this episode of Life, Health and Wealth™, we sit down with Carlos Aguilar from 3G Insurance Services to discuss Medicare and Health Insurance.  In our conversation, Carlos explains how having a trusted insurance professional help to secure a plan choice can be invaluable in the navigation of what can be a cumbersome and overwhelming decision.  It is in this process that Carlos is able to empower clients to feel confident and educated when considering their personal needs and fine details.

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Episode 13 - Mental Health & Staying Connected with Danny Westcott, LMFT

In this episode of Life, Health and Wealth™, Danny Westcott, LMFT, shares his insights on mental health, staying connected, and how to communicate effectively, specifically with our younger population. Throughout our sit-down with Danny, he explains how important it is to actively listen and to resist the temptation to problem solve. Instead, he reminds us that we all have a timeless craving for human connection, and he encourages us to truly hear one another's needs, especially during challenging moments. Other highlighted topics include social anxiety, bullying, academic pressures, and expressing oneself in a safe environment.

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Episode 14 - Achieving Life Balance Through the 7 Dimensions of Wellness

Back by popular demand, Jake Jerome joins us for another enlightening and thought provoking conversation, as we challenge our minds while diving in to The 7 Dimensions of Wellness, and how each one of us can work towards being the best version of ourselves. Jake guides us on a tour of the concepts, briefly explaining how each dimension presents life-relevant opportunities for us to grow as individuals, better connecting us to our communities. This free-flowing conversation passed by speedily, and we can't wait to have Jake back to dive deeper into this topic.

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Episode 15 - Legacy Planning Insights with Dan Melehan

Building wealth might sound overwhelming. Let's be honest, the right word might be unattainable. In this episode of Life, Health, and Wealth™, Dan Melehan from Alliance Berstein, introduces the fundamentals that are necessary to bring families together in order to avoid the many distractions and detriments that can sabotage a long-lasting legacy. Dan also shares the stories of how the Vanderbilt and Rothschild families defined extreme wealth during their times, but realized two entirely different outcomes as far as lasting wealth and family legacy was concerned.

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Episode 16 - A Visit with Brian de la Puente

In this episode of Life, Health and Wealth™, we are joined by Brian de la Puente, former NFL lineman and local success story. Brian gives us the play-by-play as to what it means to be from San Clemente, and how he is enjoying being involved and giving back to the very community that gave him so much. Brian's professional football career was quite the experience, taking his family to various stops throughout the country, resulting in incredible memories and life-long relationships. Now, Brian spends his time coaching his sons, participating in the Friends of San Clemente, which works with the city of San Clemente in meeting their parks and recreational goals, and developing new, fulfilling projects here locally.

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Episode 17 - More Lending and Being Local with Matt Moore 

In this time spent with Matt Moore, the self-proclaimed, "Mortgage Maestro," from New American Funding, we discuss the mortgage lending environment, both past and present, what it means to be an invaluable financial resource for our local community, and how three generations of lending prowess parlays into a comforting experience, one of which that can otherwise be quite stressful. While core fundamentals, such as authenticity and transparency drive the ship, what really fuels the fire is the desire to walk in his clients shoes and taking a genuine interest in empowering people to make the biggest financial decisions of their lives.

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Episode 18 - The Ladies of Harbor Rock WM

After celebrating a great day with clients on the Harbor Rock lawn for the Crafting with Gratitude event, Ruben and his family take some studio time to reflect on what exactly HRWM does, and what kind of value is extended to the wonderful people that we get to work with. As the free-flowing discussion takes its course, we get a chance to see the children's perspective on money and financial planning, and we even get a glimpse at the girls' career aspirations. A great hang with the ones we love is absolute food for the soul.

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Episode 18 - 2023 Year In Review

As the year approaches its end, Ruben and Jimmy take a few moments to reflect on what has gone on in markets this year, business progression, and what may be on the horizon for next year. Transparency, vulnerability, and partnership are key drivers in developing relationships with those that that we work with. In doing so, we ensure the most authentic version of ourselves, both personally and professionally. HRWM will continue to grow, but not as much out of necessity as it is from the desire to intentionally partner with people who are like-minded and find value in what we are doing. We are eternally grateful for all of your support and continued trust.

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Episode 19 - Industrial Wastewater Management w/Jake Sampson

We recently spent some time with environmental chemist, Jake Sampson, from Golden State Equipment, to get a better understanding of the industrial wastewater management business and some of the processes that are involved in ensuring environmentally sustainable and ethical business practices. Jake and his team bring decades of experience to the table and put their name on everything they touch, meaning that they take ownership of each step that is necessary to elevate the health of our communities and future generations.

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Episode 20 - 7 Dimensions of Wellness - Spiritual and Emotional Elements

As we kick off the new year with our first guest, Jake Jerome, we hone in on two of the seven dimensions of wellness, Spiritual and Emotional. In these "unseen" dimensions, we break through the historical cultural norms in topics like masculinity, peace, vulnerability, and the personal journeys that challenge us as individuals to be the best version of ourselves. This quarterly series with Jake is creating the kind of buzz that this podcast was built for...prepare to get metaphysically jacked!

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Episode 21 - Stand Up to Trash with Vicki Patterson

Last May, the Harbor Rock WM family descended upon the beach down at the San Clemente Pier with one mission in mind...to clean up as much trash as possible. This time, we sit down with Vicki Patterson, the Queen of Clean and our new CTO (Chief Trash Officer) and the Founder and President of the local non-profit, Stand Up To Trash, to discuss our ocean environment and what we can do to make it a better place. In our session, Vicki shares some stirring stats and offers some insight as to just how powerful our small, individual efforts, can be so very impactful. If you're looking to get involved with a new organization this year, become an ocean warrior and join us as we fight dirty and Stand Up To Trash!

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Episode 22 - Real Estate and ADU's w/Matt McGinnis

Matt McGinnis, from Pacific Keys Realty, joins us for his second time in the blue chair to discuss a brief market update, forecasting for 2024, and the Accessory Dwelling Unit (ADU) craze that is revolutionizing the housing market, one granny flat at a time.

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Episode 23 - Matt Mestaz - Faith and Big Life Moments

Sometimes in our lives, if we're lucky, we meet a handful of folks that are special. They conduct themselves with grace and integrity, and are kind and generous to the root of their being. Ruben and I had the pleasure of meeting and spending a substantial portion of our professional career with Matt Mestaz, and fortunately, for us, the friendship lives on. In this episode, we discuss Matt's transition from a successful financial services career to serving the Lord as a Pastor and reaching another level of life-balance and fulfillment.

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Episode 24 - Erin Dickey - Financial Implications of Marriage and Divorce

In this episode, we sit down with one of our friends and trusted contacts, Erin Dickey, to discuss the financial implications of marriage and divorce, as well as touch on what a probate situation might look like. Erin reveals her differentiating approach to what can be an emotionally charged event, explaining that true advocacy and collaboration to find a solution, without compromising her will to fight, is the key to fulfilling work and professional inspiration. Some additional topics include pre and postnuptial agreements, tips to navigate a soft landing, and some background as to how Erin's legal career came to be.

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Episode 25 - Mayor Chris Duncan - San Clemente State of the Union

In this episode, we had a chance to sit down with the Mayor of San Clemente, Chris Duncan. Chris has a wonderful way about him and an easy sense of magnetism that makes it clear as to why he is so successful in his leadership role within city council. Chris also provided us a quick rundown on a few hot topics, such as the landslides and shoreline replenishment, homelessness, the border, and other local happenings in the community. Make sure to stop and say hello when you see Chris around town, as he loves meeting the people that make San Clemente so special.

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