In this episode, I sit down with Mike Kelly for an insightful conversation on financial planning and how to get started, no matter what stage of life you’re in.

We cover practical strategies, common mistakes people make, and how having a clear financial plan can bring confidence, clarity, and long-term stability. I truly enjoyed our conversation, and Mike does an excellent job breaking down what can often feel overwhelming into simple, actionable steps.

If you’ve ever wondered where to start with financial planning, this episode is for you.

Real Estate Disclosures & Due Diligence | Stay Out of Litigation with Hillary Johns, Esq.

When buying or selling a home, honesty and due diligence are everything. Sellers must disclose issues honestly — and buyers must hire professionals to verify the condition of the property.

In this episode, Linda Peltz chats with Hillary Johns, Managing Partner of Hillary Johns, Trial Lawyer, with offices in Beverly Hills, the Bay Area, and New York City. Licensed in CA, DC, MT, and NY, Hillary breaks down the dos and don’ts of real estate disclosures to help both sellers and buyers avoid expensive lawsuits.

Starting a business with a partner can be exciting—but it also comes with challenges you’ll want to prepare for. Meet Hillary Johns, Managing Partner of Hillary Johns, Trial Lawyer, with offices in Beverly Hills, the Bay Area, and New York City. Licensed in CA, DC, MT, and NY, Hillary brings deep knowledge of business law and partner formation to the table.

When forming a partnership, here are a few key guidelines to keep in mind:
🔹 Plan for change – What happens if a partner passes away, marries, or divorces? Life events can shift ownership and decision-making.
🔹 Outline responsibilities – Define roles clearly to avoid misunderstandings.
🔹 Decide on profit & loss allocation – Agree in advance on how money will be distributed—or reinvested.
🔹 Exit strategies matter – Plan for how a partner can leave the business without disrupting operations.

Hillary works with clients to draft strong agreements that prevent disputes before they happen. Her experience across business law, employment law, and real estate gives her a broad perspective to protect her clients’ interests.

In this episode, I sit down with Kyle Stephenson, real estate investor and founder of KRS Holdings, a full-service property management company overseeing thousands of rental units across Virginia. With over 20 years of experience, Kyle shares how he started out investing, made his share of mistakes, and learned the hard way that “buy with no money down” programs aren’t always the golden ticket. Instead, he recommends saving that 20–30% down payment—even if it means picking up a second job—because building wealth in real estate takes persistence and discipline. As Kyle puts it, we’re not all Donald Trump, gifted a couple hundred million to start investing.

Call Kyle: 804-405-6378
🌐 Learn more: https://www.krsholdings.com/

FOLLOW US; CLICK FOR YOUR FAVOURITE CHANNEL
https://linktr.ee/RealtorFresnoCA

Call me for further details:
Linda Peltz, eXp Realty | DRE 01997670
559-353-4556
lwpproperty@gmail.com

Meet Hillary Johns, Civil Trial Lawyer, who has successfully tried over 100 cases to verdict. As the Managing Partner of Hillary Johns, Trial Lawyer, she leads offices in Beverly Hills, the Bay Area, and New York City.

Licensed in multiple jurisdictions—including California, the District of Columbia, Montana, and New York—Ms. Johns brings extensive experience in:

• Civil Litigation
• Business Law
• Torts & Defamation
• Media & Intellectual Property Law
• Employment Law
• Entertainment Law
• Real Estate Disputes (including boundary issues & California mudslides)

Discover the powerful intersection of spiritual growth and real-world service with Billy Mandarino, a Santa Barbara-based spiritual advisor, author, speaker, and real estate professional. Known for his transformational teachings through The NOW-IST movement, Billy empowers others to live fully in the present moment while also serving his community through property management and real estate with MandarinoProperties.com. His latest project, FOR NOW: The Movie, is a psychological thriller and spiritual drama that dives deep into healing, trauma, and presence—all set against the stunning backdrop of Santa Barbara. Whether you're searching for a new home, deeper meaning, or both, Billy’s mission is to be of service, helping others align with purpose and place. Explore his spiritual work at BillyMandarino.com and experience how mindfulness, real estate, and storytelling come together to transform lives.

#BillyMandarino #FORNOWMovie #MandarinoProperties #SpiritualAdvisor #SantaBarbaraRealEstate #PropertyManagement #MindfulLiving #NOWist #LiveInTheNow #HealingThroughPresence #SantaBarbaraHomes #RealEstateAndSpirituality #TraumaHealing #ConsciousLiving #RealtorWithPurpose


Get ahold of Billy on his Website:
https://www.mandarinoproperties.com/

Looking for a natural way to feel younger, sharper, and more energized? Learn how Lifewave’s X39 patches, copper peptides, and glutathione support can help activate your body’s own stem cells—naturally.

💥 Visit: www.startx39now.com
💡 Discover how glutathione—your body’s master antioxidant—can improve recovery, clarity, and immune function.

📚 Check out the science! Published reports available on PubMed.
🐾 They even have a program for pets—because your furry friends deserve wellness too!

📍 Meet Dan & Barb Fee at the Clovis, CA Farmers Market every Friday!
Learn firsthand, try a patch, and ask questions. Great for:

Realtors who need to stay sharp

Professionals in ANY industry

Discover the power of passive income through mortgage note investing with seasoned real estate investor and fund manager Chris Seveney, founder of 7e Investments. In this video, Chris explains what defaulted mortgage notes are, how short sales work, and how you can partner with 7e Investments to start earning truly passive returns—without managing tenants, toilets, or turnovers.

Learn How to Invest in Mortgage Notes
With over $1B in real estate development experience and more than $30M raised from 700+ investors, Chris shares his proven strategies for building wealth through alternative real estate investments. Whether you're new to investing or a seasoned pro, this is your chance to diversify and grow your portfolio with confidence.