On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne set the record straight regarding common confusion and incorrect information surrounding retirement planning.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

June 21, 2025 - We're Setting the Record Straight About Retirement Planning

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss financial planning steps and advice for new graduates and young adults.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

June 28, 2025 - Financial Planning Steps and Advice For New Graduates and Young Adults

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #winstonsalemnc #greensboronc #triadnc

July 12, 2025 - Answering Listener Submitted Questions

BPM:100
FL STUDIO
Cymatics

Inspired by artists ranging from Pharrell to Mick Jagger, music has always been a constant in my life. This is a demo (hence the conflicting editing choices) but I hope to polish my work in real time. Inshallah

Lyrics:

I’m searching for a feeling
Within all of my dreaming
I’m searching for some meaning
I mean it  
I mean it

No going back from here
Made my intentions clear
See through my rear view mirror 
Dodging banana peels

We’re swerving out the lanes
I know they know our names
I’d rather go insane
I’m boutta go insane

Floor it.
Not done yet
There’s more to come, it’s coming
There’s zero chance I’ll wait around for someone who don’t want me 

Before I state my mission
Before I share my lessons
I’d like to take a second 
To thank my ride or dies

Might see me at a stoplight
Can bet you’ll see me wide eyed 
But don’t be scared to come by
There’s lots of room don’t be shy

Who you think you’re talking to
I don’t need your barking dude
What’s our connection
Let’s find some common ground

1NTRODUCT1ON

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss what retirees need to know about the 'Big Beautiful Bill' recently passed by Congress.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

July 19, 2025 - What Retirees Need to Know About the 'Big Beautiful Bill'

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss whether the 4% Rule is still valid as well as diving into a discussion about lending money to family.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

July 26, 2025 - The 4% Rule: What You Need to Know

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag and answer listener submitted questions.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM. 

August 02, 2025 - Answering Listener Submitted Questions

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne debunk myths related to the recently passed 'Big Beautiful Bill'.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

August 09, 2025 - Debunking Myths: 'Big Beautiful Bill'

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne quiz new retirees on retirement concepts and strategies.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM.

August 16, 2025 - Back to School Retirement Planning Quiz

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss Dave Ramsey's nine point retirement plan and whether they agree or disagree with each point. 

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM.

August 23, 2025 - Dave Ramsey’s 9 Point Retirement Plan: Agree or Disagree?

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne review a 10-point checklist that will help determine whether you're on track for your retirement goals.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM.

August 30, 2025 - 10 Signs You're on the Right Track for Your Retirement

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag and answer listener submitted questions.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

September 13, 2025 - Answering Listener Submitted Questions

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne review two fabricated retirement planning scenarios. Do either sound familiar to you? 

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc 

September 20, 2025 - Two Retirement Planning Scenarios: Do Either Fit You?

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss six things retirees fail to consider when planning for retirement.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc 

September 27, 2025 - 6 Things Retirees Fail to Consider

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

October 04, 2025 - Answering Listener Submitted Questions

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne lead a discussion about the things retirees need to plan for that have nothing to do with how much money they have in their investment accounts.

October 11, 2025 - You Can’t Invest Your Way Out of This Retirement Mistake

I'm not here to show off my mixing abilities

Instagram: @derekjamescollection

The Wealth Guardians Radio Show focuses on all things retirement planning and is hosted by Doug Ray, Brice Payne, and Garrett Ray. The show airs each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and Winston Salem, NC's 96.7 WTOB FM/1470 AM.

Disclaimer: “Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.”

New tracks tagged #WINSTON SALEM