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Veteran's Affairs Plus discusses the issues that veterans in Las Vegas deal with on a daily basis. Your host, David L. Washington connects listeners with relevant community resources and information that they need to help veterans or themselves.
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This is a KU NV studios original program.
Wesley Knight 0:04
You're listening to special programming sponsored by making moves, life coaching services. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. You
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Dave Washington 0:51
day Las Vegas. Great day Las Vegas. This is Veterans Affairs, plus on 91.5 jazz and more. I'm Dave Washington, your host, of course, this is Veterans Affairs, and I appreciate the opportunity to be here, and I appreciate Wes so much because he keeps me on track, and he's been popping and hopping today. So please again to be here. Few announcements. Certainly want to express condolences to those who have lost loved ones over the past week or two weeks since we've been on air. So condolences to everyone, and with regards to our world, we are so pleased that 47 and I say this as a person. Dave Washington, Jason always gives the disclaimer, I don't speak for the university, but I certainly do speak for me and others who feel that our world has lost its place. We've lost our humanity. So let's get back on it. Y'all. Let's all live here together on this earth and and we pray for safety for those astronauts out there doing their thing. So and then I'd like to mention that certainly we have had a great off golf event when this airs, we will have had our skin game led by my colleague, Bill Parker out of LA City Fire Department, great guy. So thank you, Bill for your you and your team for coming over each year. This is our second year of the Carl Holmes executive development institute Memorial golf tournament, honoring ancestors, Chief Herschel claydy and chief Spike Jones and thank you Addington Stewart for coming to town to represent the family. Also, I'd be remiss certainly if I didn't mention birthdays, birthdays are important to share. Delicia anise, her birthday is this month. Felicia and benika's birthday this month, grandson Karen, and also Alisa, Alicia and you know, and I failed to Happy Birthday to all those folks, and I failed to mention, with regards to condolences, I did mention folks around the world, but also locally. Here, Reverend Jake Jacobs, he lost his wife, most recently, Miss Minnie. And we certainly pray that God will give them the strength to endure. And Claudette in his a colleague, a man with Las Vegas fire, with the City of Las Vegas. When I was department director, fire chief for Las Vegas Fire and Rescue, she was over the human resource department, so she recently lost her husband, James, a great guy. So condolences to that family. With that we're going to have a guest to join us today, Miss Eileen, and she's going to give us an update. If you will miss Eileen, are you on the line? How you doing? Young lady? I am doing great.
Eileen Maurice 3:47
Thank you. How are you I am doing?
Dave Washington 3:48
Well, look, I appreciate you so much for coming on the show. Ladies and gentlemen, she has been a regular on our show, but I asked her to come, as she's done in the past, to update us on some of the activities. She is the president of our post 10 American Legion, post 10 Auxiliary. So give us some indication of some of the things that you guys are embarking upon, because they are very, very, very active in the community you guys, and I think that all should know about what they got going on. So give us some of that activity that you're involved in.
Eileen Maurice 4:20
Okay, well, thank you for having me and great support for our post. You know, as always, we're proud to serve our veterans and our active, you know, duty, military, their families in our community. We do a lot for the community. But what's happening? And this will be our first annual fundraiser, which is going to be on Saturday, April 18, from 11 to four. And this first annual fundraiser is going to support the Cleveland Thomas Foundation, the Nevada Girls State participant, and the Rancho High School Air Force Junior ROTC throughout the summer. We. Continue with you know these outreach veteran support programs in preparation for other gatherings. But I want to kind of base a little bit on Cleveland Thomas Foundation. Cleveland Thomas was a highly dedicated post member and post 10, which passed away, and they've held that scholarship for us, supporting a senior for a high school. So any fundraiser we get supports them and the Nevada Girls State. And Nevada Girls State is a, believe it not, a prestigious week long summer leadership in the citizen program for high school juniors and the American Legions always participate and support them. So what they do on this, on this program they engage in, like, on partisan and interactive learning experience, where they do, like a mock government, create legislation, and they will hold a mock election. So, and I believe there's over, I'm not kind of over 100 that go every year, so we want to support them. So all these fundraisers support our future. And then, of course, we know Rancho High School Air Force Junior ROTC, they've always come and helped us out when we've had our own toy drives. So they're supported, and we want to just give back as well.
Dave Washington 6:12
Excellent. Well, while we can't talk about price of your actual fundraising activity, but I do want to go back to Cleve. Thomas Cleve and I used to be involved with an organization he helped to found called Helping Hands, many, many years ago. And to your point, he was just an outstanding individual who was always willing to assist others. So May he be at peace, through, through, through God's will. But yeah, and I'm so pleased that you guys are continuing to lift his name because of the tremendous work that Cleve Thomas did in our community. And it's always important from my perspective, and I hope others feel the same that we can't forget those who are now ancestors for the work that they've done to try to make our world a better place.
Eileen Maurice 6:57
That's correct. So this is why we're having these events. And again, we want to give back. The community has been giving us. Now it's time for us to give back, and this is a way that we can do this. And I think it's just a great idea for there's so many foundations and so many other programs. But because auxiliary works, you know, barely just with just this community, we look at something that we can give at, and there's so much we want to but you know, we can't, because it's just not possible. I like to help everybody that just doesn't work.
Dave Washington 7:29
Let me say something it to you and your husband. Thank you all so very much. And you triggered my mind to say thank you to all those who participated in my 75th birthday fundraiser. That's a great time. I'm glad you guys had a great time, and I can tell you, and we're just about there's a few more people keep saying, Don't I'm gonna get my money to you. I'm gonna get my money to you. But as it currently stands, we're very Eileen, we're very close to 4500 and moving toward 5000 per of the three organizations, and we're so pleased. That's fantastic. Yeah, we are so pleased that people said, Hey, man, we are with you. And some said, You know what, I can't be there because we're busy. We have another obligation. But they still sent their money. And I think that it's important for us to and people sometimes ask me, Allen, why do you do what you do? Why do you do what you do? Well, once again, this is Veterans Affairs, plus on 91.5 jazz and more. I am the son of Eugene and Washington white. My mother would give when she didn't have much to give herself. So it's in my genes. It's in my jeans. But But again, to you and your husband. We thank you so much and others who participated because we were able to achieve our minimum and going toward our maximum goal. And again, to the William Dr, William Sullivan and Cherie Sullivan Foundation here at UNLV. And also to pay back. Pay back, I meant to say, look back program led by our April and also we have the Carl homes executive development institute to their endowment. So the three organizations are very appreciative. They've already told me, and I keep promising them that we're going to get this squared away and get it to them. But again, we have Miss Eileen Maurice, wife of a dear friend, Nourse Thomas. So again, you guys are doing great work. So continue on with some of the things that you're embarking upon. I do want
Eileen Maurice 9:29
to bring up one more thing that I think is, I think it's kind of sort of excited. We just inquired that we'll be taking over the Rancho High School awards, so we'll be continuing post date has been doing it 15 years. Now it's our baby, so I am so proud to say that we're going to be supporting them, doing ceremonies and medals and certificates. So post 10 is going and unit unit 10 is on the map, and we're getting stronger every day. And. And I just appreciate you for even being a member and supporting and what you do for the others. So I just thank you, and I appreciate that I have a voice that I can go out there and tell everyone that we are working and we're trying to make a difference.
Dave Washington 10:14
It's important. I think we got a few more minutes yet. So do this for for the listening audience input, and for me in particular, tell us about what you're going to be doing at Rancho. Again, we're going
Eileen Maurice 10:25
to be doing we're taking over the school, and we're going to be the self supporter. We're going to do medals certificates on the ceremonies for, you know, the highest ones and the seniors, right for Rancho. So we have an event that's actually coming up, I believe, April 22 Yeah, congrats. It's exciting. And, yeah, and we're also doing a poppy drive on May 1. We're doing a poppy drive. And, you know, Poppy drives are very important. You know, we distribute poppies accepting donations, and it's to help the active duty service members and their family. So we're doing that. And we're looking, wait a minute, we're looking for a host to support. US for a storefront. All right,
Dave Washington 11:04
well, we'll be, we'll be looking out for you. So Eileen, we thank you so much. Once again, this is Veterans Affairs, plus on 91.5 jazz and more we just had Eileen Maurice. She is the president of post hands.
Dave Washington 11:24
Once again, Las Vegas. This is Veterans Affairs, plus on 91.5 jazz and more. I'm Dave Washington, your host. We have brother Enos Williams. Will have he's a financial advisor. We'll have him on air here, on the line shortly, but in the interim, I want to just encourage, particularly those who are EDI graduates. We have we'll be celebrating our 35th anniversary of the Carl Holmes executive development institute down at Dillard University, starting on May 30, 31st we're going to do a number of things to include, we'll have our full week of activities, of training, of course, but we have a number of things through the leadership of Eugene Campbell and at Nance Holt and of course, our Executive Director, Miss Carla Holmes, so Carl Holmes, edi.org you can see some of the activities that we have. And if you have any questions, please don't hesitate. 702-277-7121, if you have an interest in what we're doing down celebrating our 35th anniversary of the Carl Holmes executive development institute. And again, we're 25 years at Dillard University. So with that, I would like to bring in Mr. Enos Williams. How you doing, sir?
Ennis Williams 12:39
I'm doing well, sir. How about yourself?
Dave Washington 12:41
I'm doing good, doing good. So tell us where are you from, and where'd you go to school and those types of things, just to give our listening audience an indication of who you are as a person.
Ennis Williams 12:52
Sure, sure. I'm actually born and raised here in Las Vegas, Nevada. Yeah, yeah. Born, and raised here, one of the few graduated from El Dorado High School out here, those Sun Devils, well, I don't know what they're called now, apparently they can't be called Sun Devils anymore, but graduated from El Dorado, then went off to play football out of New Mexico, transferred back in to UNLV and graduated from there with my degree in criminal justice,
Dave Washington 13:27
criminal justice made so you say you went away to school, where in what position did you play football?
Ennis Williams 13:37
I played running back, okay, running back in El Dorado. Went out to New Mexico Highlands, university, Division Two, school out there in Las Vegas, New Mexico of all cities, right? I went from one Las Vegas to the other. Went out there and played running back there, and then transferred back home to UNLV to finish
Dave Washington 13:55
out my degree. So when you transferred back, you no longer played football or just purely a student, not a student athlete when you came back,
Ennis Williams 14:05
yeah, not a student athlete when I came back. Just finished out the degree there at UNLV to get started on the real world, on the
Dave Washington 14:14
real in real life. Sure, you know our son, Vernon Ray Washington, he has a criminal justice degree. You know, guy who's not only a dear friend, but also my boss and businessman, and I'm his boss sometimes, as I'm the chair of his overall housing, particularly for affordable housing, apartments and such for senior type folks, has a criminal justice degree. So tell me what interests you to move from criminal justice into finance?
Ennis Williams 14:48
Well, it's kind of an interesting story. You know, although I have my criminal justice degree, I did a lot of a lot of classes, courses, finance, economics, things of that nature, just because I was always good at math. And I was always doing a lot of math stuff. I wanted to, you know, take some classes in that started off in that arena. And as things got moving, it was kind of one of the realizations that you understand, you know, depending on what your goals are and how you want to move up, and what things, you know, what types of things you want to achieve, right? Sometimes there's a bit of a cap or ceiling, you know, in terms of what you can do and how you can move. And, you know, I kind of had that, that entrepreneurial spirit and that bug, and I decided that it was, you know, best for me to take some of, some of this skill set that I have and move into a space where I wasn't necessarily capped on what I could do and how I could be of service and and to be honest with you, a lot of the questions that I was that I was being asked, and a lot of the the things that I was able to bring to the table I felt would benefit the community more in terms of finance and Wealth Management, as opposed to law enforcement, if that makes sense, right? I believe that that was more in alignment with what my vision was for myself and how I wanted to serve the community.
Dave Washington 16:11
No, I think that's that's great, because one of the things that a lot of us don't do is pay attention to to finance, to include myself, which it took me way into adulthood before I still start, really start recognizing and looking at man, you better try to get some things squared away as you grow older in this thing called life. So that's excellent. So let's share some, some some pointers with our listening audience. Also, you can give contact information, but again, we can't talk about price go ahead.
Ennis Williams 16:43
Absolutely understandable, understandable. Well, I started my own financial firm. It's called Ignis Capital Advisors, and with that we I created my own proprietary method called the Ignite method, right and and in that it is there's six pillars of that, income engineering, growth, allocation, needs and risk mapping, insurance integration, tax efficiency, planning and estate continuity and design. So as people come to my firm, we go through the six pillars of understanding where they are, what their goals are, and how we move forward, through what I like to call distribution planning, which is basically the income engineering portion. A lot of times, people go through life and they, you know, in the early stages, or what we call the accumulation phase, which is, you know, while you're working years, right? It's, it's kind of, you know, life seems a little bit easy, but once you retire and that that paycheck is no longer coming as consistently, the question then becomes, how do I not outlive my money, right? And that is what we call district distribution planning, right? And that's what we focus on, is the retirement years, and how we focus on how we get you to the point where your money that you've built, you've saved, you've created, can then last you through your retirement years. And some of the things, or some of the pillars of that are, you know, making sure that we're putting our money in the places that are tax efficient, right? And what that means is there's three different places where money is taxed. It's either taxable, tax deferred or tax free, right? And most of us are putting our money in tax deferred places, which is just for one case, for three B's, 450, sevens, but we don't think about the other places, right, taxable places, which is just an investment account or brokerage account, or tax free places, which could be a Roth IRA, it could be cash value life insurance, right? So we, we have different ways of earning money, and different ways that money can be taxed. And once we get into retirement, some of us realize that, uh oh, you know, we put place, you know, 90% of our of our dollars inside of tax deferred buckets, and that we have a silent partner with us, right? That's Uncle Sam, and he wants his half, right? He wants his percentage. So a lot of times, you know, we think that all the money that we save up in our IRAs and our 401, K's is all ours, but, you know, we haven't realized that, you know, we still have to pay taxes on that money when we take those distributions, so it can be a burden on on, you know, your lifestyle, right? If you if you haven't set it up in a proper fashion to be able to live in the way in which you did while
Dave Washington 19:35
you were working, right? It's interesting. And I think a lot of folks, male, female, black, white. Really don't give a lot of attention to financial planning, if you will. And I think those are some, some good indicators of things that we need to be about for for long term, if you will, living life in a comfortable way, if you will.
Ennis Williams 19:58
Absolutely. I. Absolutely it's, it's one of the major, you know, like I said, one of the major pieces of the pillars of our plan is making sure that we're always coming together, looking at the plan and, you know, reshaping it for whatever life may bring us. Right? You know, a lot of times we don't understand that the pressures in life that we have on our finances or our money don't always have to be bad things, right? When you go from single to being married, right, that's a pressure on your on your balance sheet, right? You go from married to having kids, that's the pressure on your balance sheet. Now that doesn't mean that it's a bad thing, but it is something that we need to plan for, right? These are things that happen in our lives that you know that that take a toll on our balance sheet, similarly to disability or sickness, right? It all becomes a pull or drag on the on the balance sheet, and we have to do the things in the right order, in the right fashion, to make sure that we plan for these things absolutely.
Dave Washington 20:57
Let me say this about a month and a half ago, two months ago, my son in law, Nathan, and I did a class. It was a four week class on how to deal with and what money means to include, you know, looking briefly at the market, looking at various types of funds, and as you mentioned, insurance things. And these were, were teenagers, man, two of them are in college, and we have my wife, Marsha, and I. We have 12 grandchildren, six girls, six boys. And I just felt like it was absolutely important for us to to do something to ensure that our kids have an understanding of finance. Because I'm gonna tell you, right? And then one of my uncle said to me, oh, you know, we shouldn't. We shouldn't be so concerned, and we don't want to cause concern of our parents. I said, No, my parents are deceased as is, as is his, but the point was not to come down on they just didn't know. And what's that old saying, if you know, you better tell somebody. If you don't know and you ain't tried to find out, that's on you. I know enough that it was important for me as a grandfather to share information, whether they because some of the older ones, they didn't even participate. They like if I ain't got to come, I ain't coming, but I'm trying to put some fat on your head, and I don't even know all I need to know. In fact, I won't ask you right here point blank, but we're asking another person that that's a dear friend of my son in law, Nathan, to come in. Because I say we got to close. I want to close the gap. You know, we left some things hanging out, and I think it's important to have a professional, because neither one of us are professionals, but I want to close the loop, because I think it's important for these young folks to know, to include, and I trust that you as a as a former college student, when I go on a college campus, particularly like I said, I ran a program for 10 years, and I'm a student and an instructor at the Carl homes executive development institute housed at Dillard University. One thing I noticed, and we have a summer program. It's a summer institute down there for a week, and I noticed these credit card companies on campus. What are y'all doing? Y'all know these children don't have no jobs, but they give them credit cards and they try to one dude told me they called him. He said, Oh, you know, your son got a 5000 he said, So why you calling me and hung up you knew he didn't have a job. But my only point is they're out there, and we try to encourage them to be very, very careful, because they be out there Hawking man and and you have got to make certain decisions, particularly as it relates to credit cards, because they can get me and my wife, and I'll say it openly been in trouble a couple of times. We can't keep getting in trouble with these things, with these high interest rates. So got to get it down, right. And you control it. Don't let it control you. So, further thoughts, right? Further thoughts,
Ennis Williams 23:51
yes, absolutely. You know, I got caught up in the credit card scam. You know, my first year. You know, I definitely was one of those who, you know was a free T shirt or the basketball right in your room or something that they give you. And I, I took those cards and wasn't, and again, you know, no fault of their own. But this wasn't something that my parents were very, you know, you know, up on and stuff like that. So they didn't necessarily have the tools to give them to me, right? So that's a part of the other reason why, as I come out of this, it is my goal. And I believe my vision for my life is to serve the community in that way, to continue to educate on what that is, the credit card debt, the predatory pieces of that understanding the market as a whole, right? I mean, a lot of people are very fearful of, you know, the market and what's happening, and all you hear is doom and gloom, especially in today's market and with what's going on and how the world is being shaped. I mean, there's there's a lot of that going on, but we have to understand that. You know, whether the market is going up and up or down, you know there's opportunity there, right? There's opportunity to make money, there's opportunity to create a. Living and lasting legacy for your for your children, by being in the market and doing it the correct way. And you know, it's just about the proper education and understanding, right? Don't take too much risk, right? And don't put yourself in a position where it's similar to gambling, but if done properly and safely, it can benefit you and create a very large legacy for for you and your loved ones,
Dave Washington 25:23
absolutely, you know. And another thing, and I heard you tap on it briefly, was insurance. You know, I made a decision many, many years ago, but not long enough ago. I should have did it when I was really, really young. Because, you know, as you age that insurance costs you more money, and I can tell you that there's many different cultures and ethnic groups who make sure they have insurance policies to pass on. When I was telling guys about something I was doing, oh, you crazy, man, you're crazy. Why would you do that? But if they get on, I don't care what they do, I won't be here, but I feel like I have a responsibility to give them a new what I'm what I'm leaving brother. Brother Williams is not gonna make them rich, but they'll, they'll have something to at least. Hopefully, they'll have the knowledge and the wherewithal to take that and grow it even more I have, I feel I have an obligation to leave something. Don't just leave the dog on, you know, the bank empty. They don't make no sense, man, but these guys, it was all over me, man. I said, Well, you know what? I'm not gonna argue with y'all. I know what I'm gonna do, and I'm and I've done it, and I'm proud of myself too, and I encourage others to do likewise. Yes, indeed. You know,
Ennis Williams 26:34
insurance is one of the most important pieces of the financial plan, right? And the thing about it is that it's a privilege and it's not a right. You know, not everybody can have it exactly. And when done young enough, it can create. I tell, you know, I do some some planning for you know, NFL players, and you know people of a high net worth. And you know, I tell people all the time, you know you can, you know, you can save for your legacy, or you can buy it right?
Dave Washington 27:03
Once again, this is, this is Veterans Affairs, plus on 91.5 jazz and more, we have financial planner, Mr. Enos Williams, and he's given us some some good tidbits to think about.
Ennis Williams 27:15
Go ahead, sir. Well, thank you for having me. Thank you for having me. And again, you know the insurance piece is a is a crucial piece of the plan, because, you know, it makes it so that you can put your legacy in a different position, or from a different starting point than what you have, right? You know, there are some, some, some of my clients who are like, No, I don't want to necessarily leave anybody anything to get rich off of me. But at the same time, you know, the you know, because we, you know, in our community, we look at, you know, we were trust fund baby was like a, you know, a derogatory thing, right? Well, I would like for, for all my kids to be trust fund babies, right? There's the wrong with, with having a trust fund and putting it together and creating that legacy so that can last, you know, well beyond the next generation. So, you know, again, when done properly, it makes a
Dave Washington 28:07
huge difference, absolutely. Well, I think that's a perfect way to to end our conversation today. I'm so pleased that you were able to get here. I know you have been out of town, etc, etc, but I think what you've shared, hopefully will just be planting some seeds in the in the heads of our members of our listening audience that they will cultivate and do the kinds of things that are appropriate and necessary to ensure that their families are doing well when they're gone. So thank you so much, Brother Williams, well,
Ennis Williams 28:34
thank you. I appreciate you for having me again. It's Ignis Capital Advisors. If anybody wants to look me up, it's Ignis capital group.com that's Ignis capital group.com All right.
Dave Washington 28:47
Thank you very much. This is Veterans Affairs, plus on 91.5 Jazz and more. Signing off you.
Music 29:22
Oh, and all the smoke in the air feel the hate when they stare, all the pain that we bear.
Transcribed by https://otter.ai