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Retirement Income Planning Florida Launches No-Cost ‘Income Gap Analysis’ Program for Pre-Retirees

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St Petersburg, Florida, USA, September 3rd, 2026, FinanceWire

Retirement Income Planning Florida Launches No-Cost Retirement Income Gap Analysis Program for Pre-Retirees Statewide. No-cost planning service helps Florida households approaching retirement quantify the shortfall between essential monthly expenses and guaranteed income

Retirement Income Planning Florida, doing business as Advanced Capital Management, today announced the launch of its Retirement Income Gap Analysis program, a structured planning service for Florida households within ten years of retirement.

The program applies a methodology developed by firm principal John Ziesing, FRC, who has spent 35 years in financial services. Participants complete a worksheet itemizing essential monthly expenses — housing, healthcare, insurance, food, utilities and transportation — then subtract guaranteed income sources including Social Security and any pension benefits. The remaining figure is what the firm calls the retirement income gap.

“Most people arrive at retirement with an account balance and no idea what monthly paycheck it produces,” said John Ziesing, FRC, principal at Advanced Capital Management. “The number that matter is not the balance. It is the gap between what a household must spend every month and what arrives automatically. Once that number is on paper, the planning conversation changes entirely.”

The launch responds to a structural shift in how Americans fund retirement. As employer pensions have given way to defined contribution plans, responsibility for converting savings into lifetime income has moved to individual households. Florida, home to one of the largest retiree populations in the United States, has a concentrated share of families managing that transition without a guaranteed income floor beyond Social Security.

The program also addresses sequence-of-returns risk — the possibility that poor market performance in the years immediately before and after retirement, a period the firm refers to as the retirement red zone, forces withdrawals from a declining portfolio and permanently shortens how long assets last.

Program Components Include:

  • A completed Retirement Income Gap Analysis identifying the monthly shortfall between essential expenses and guaranteed income
  • A written comparison of funding approaches, including systematic portfolio withdrawals and partial annuitization using single premium immediate annuities or fixed indexed annuities with income riders
  • A plain-language handout distinguishing account value from benefit base, an area the firm identifies as a frequent source of consumer confusion
  • A liquidity review intended to keep six to twelve months of expenses accessible outside of any contract

The firm’s stated approach is to address the gap rather than the full account balance. “Annuitize the gap, not the account,” Ziesing said. “Cover what cannot be left to chance, and keep the remainder invested and liquid.”

The Retirement Income Gap Analysis is available at no cost to Florida residents. Prospective participants can request the firm’s Guide to Income Gap Planning or schedule a consultation at www.retirementincomeplanningflorida or by calling 727-542-7659.

About Retirement Income Planning Florida (DBA Advanced Capital Management)

Retirement Income Planning Florida, doing business as Advanced Capital Management, is a retirement income planning firm based in St. Petersburg, Florida, serving pre-retirees and retirees throughout the state. Led by John Ziesing, FRC, who brings 35 years of financial services experience, the firm focuses on distribution planning, guaranteed income strategies and sequence-of-returns risk management for households in or approaching retirement. More information is available at www.retirementincomeplanningflorida.com.

Guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities are insurance products and are not FDIC insured. This release is for informational purposes and does not constitute investment, tax or legal advice. Florida Lic A293920, NPN#21694

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CEO
John G. Ziesing
Retirement Income Planning Florida
john@advancedcapitalmanagement.net

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Karviva and Founder Dr. Angela Zeng Featured in 2026 USA TODAY Food as Medicine Edition.

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Full-page feature highlights founder Dr. Angela Zeng’s approach to combining traditional wellness principles with modern nutrition

Saint Louis, MO, United States, 17th Oct 2026 – Karviva, the functional beverage company founded by Dr. Angela Zeng, is featured in the 2026 USA TODAY Food as Medicine special edition, with a full-page feature appearing on page 23 in both the digital and print editions. According to information provided by USA TODAY, approximately 250,000 printed copies of the special edition are expected to be in circulation. The feature highlights Dr. Zeng’s background as a medical scientist, her family’s generations-long connection to Traditional Chinese Medicine, and the thinking behind Karviva’s whole-plant beverage portfolio.

The feature, titled “Why a Medical Scientist Built a Gentler Cleanse,” explores Dr. Zeng’s personal and professional path and the ideas that led her to create Karviva. It highlights the company’s use of whole-plant ingredients, including fruits, vegetables, sprouts, herbs, and botanicals, as well as its approach to developing juice products without added sugar or harsh laxatives.

Dr. Zeng founded Karviva after combining her scientific training with the traditional wellness practices she grew up around. Her background includes a Ph.D. in Pathology and training in evidence-based nutrition, while her family history introduced her to Traditional Chinese Medicine from an early age.

“A cleanse should not feel like a punishment,” said Dr. Angela Zeng. “It should give you space to hydrate, simplify your meals, and pay attention to what your body needs.”

The USA TODAY appearance adds to a series of recent milestones for Dr. Zeng and Karviva. Dr. Zeng’s debut book, The Balance Cure: The TCM Way to Lasting Weight Loss, has reached the No. 1 bestseller position in Amazon’s Holistic Medicine category. The book explores Traditional Chinese Medicine alongside modern nutrition and introduces readers to five TCM body patterns, self-assessments, seasonal observations, recipes, and lifestyle reflections.

Karviva has also recently received recognition from Good Housekeeping, with the company’s Profit Cacao Whole Plant Protein & Prebiotic Smoothie selected as a winner of the 2026 Snack Awards. The recognition followed evaluations by the Good Housekeeping Institute Nutrition Lab and consumer testing as part of the award program.

The new USA TODAY feature offers readers a closer look at the founder behind Karviva and the ideas that continue to shape the company’s approach to functional beverages.

About Dr. Angela Zeng

Dr. Angela Zeng, Ph.D., MBA, is a food scientist, Traditional Chinese Medicine scholar, and founder and CEO of Karviva. Born into generations of Chinese herbal practitioners and trained in pathology, biochemistry, and evidence-based nutrition, she combines traditional wellness principles with modern nutritional science through her work as an entrepreneur, author, and speaker. She is the author of The Balance Cure: The TCM Way to Lasting Weight Loss.

About Karviva

Karviva is a St. Louis-based functional beverage company founded by Dr. Angela Zeng. Inspired by Traditional Chinese Medicine and modern nutritional science, the company develops plant-based beverages using whole-food ingredients, botanicals, and prebiotic fiber. Its portfolio includes juices, protein smoothies, hydration beverages, and other functional drinks.

Media Contact

Organization: Karviva

Contact Person: Dr. Angela Zeng

Website: https://karviva.com/

Email:
angela@karviva.com

City: Saint Louis

State: MO

Country: United States

Release id: 49986

View source version on King Newswire:
Karviva and Founder Dr. Angela Zeng Featured in 2026 USA TODAY Food as Medicine Edition.

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U-topia Launches Public Beta as Global Builders Gather for U-Hackathon

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Financial technology company opens its app in more than 50 countries during FLOW Summit as 500-plus builders develop AI and Web3 products

BANGKOK, Oct. 17, 2026, ZEX PR WIRE  — U-topia, a financial technology company building a self-custody app for everyday money movement, has opened its public beta in more than 50 countries. The company announced the launch at FLOW Summit 2026, held Oct. 15-16 at Avani Sukhumvit Bangkok, five years after U-topia was founded.

More than 700 people attended the two-day launch, including technology entrepreneurs, developers and community members from several countries. The program combined U-topia product demonstrations and company updates with U-Hackathon, a global build program focused on practical AI and Web3 products.

“Five years ago, I set a simple standard: if my mother could not use the product without calling me for help, it was not ready,” said Emmanuel Quezada, founder and CEO of U-topia. “Opening the beta with people from around the world, while hundreds of builders were creating new tools beside us, brought that idea to life. Our goal is to make moving money as simple as sending a message while keeping people in control.”

A public beta designed around everyday use

U-topia is designed to let eligible users hold, send, spend, convert and withdraw digital and everyday currencies through one mobile app. Users can send funds to another U-topia user through a U-Tag, a simple @name that replaces a long wallet address. The company says funds remain under the user’s control rather than being held by U-topia.

The public beta follows private alpha and closed beta testing with community members and ambassadors. Feature availability varies by country. Account opening, card issuance and transactions remain subject to age requirements, identity verification, partner rules and local law. U-topia is not a bank or card issuer; card and local currency services are provided through licensed partners where available.

U-Hackathon brings global builders to Bangkok

FLOW Summit also hosted U-Hackathon on Oct. 15-16. Organizers said the event attracted more than 500 hackers and builders from around the world. Teams worked through a 24-hour build period with product, engineering and design mentors before presenting working prototypes in two tracks: artificial intelligence and Web3. The program extended the app launch into a working forum for new products, technical collaboration and international builder participation.

The competition recognized three teams in each track. Organizers valued the combined awards at more than 2.5 million Thai baht, including the advertised THB 1 million core prize pool, partner bounties and technology credits. UBotPay, an AI-powered payment agent built for Web3, won first place in the Web3 track. U-Reach, an AI-powered marketing, sales and customer relationship management platform, took first place in the AI track.

U-Hackathon was sponsored by ElevenLabs, Tokenomist AI and DTC Group, in association with Avalanche, Team1 Thailand, Yellow.com, ContributionDAO, CUBS Chula and Hooray. Judges selected projects on merit, and members of the U-Center DAO community voted live for the grand prize.

The summit also included a preview of U.bot, a related AI venture from members of U-topia’s founding team. U.bot is being developed as a user-controlled orchestration layer that can select among AI models and coordinate specialized agents. Its long-term roadmap aims to create a more capable personal AI experience with characteristics the team associates with superintelligence; those advanced capabilities are planned and are not currently available.

About U-topia

Founded on Oct. 16, 2021, U-topia is a financial technology company building a self-custody mobile app intended to help people hold, send, spend, convert and withdraw digital and everyday currencies while retaining control of their funds. U-topia is not a bank and does not issue cards. Availability and features vary by country and are subject to partner requirements and local law. Learn more at www.u-topia.com.

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From Karmayogi to the World Stage: Dr. Hemant Garg Wins “Excellence in AI for Public Policy”, Charts India’s Path to the AI Big League

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Civil servant, researcher and AI pioneer tells the 3rd World AI Summit, Bengaluru, that people-first, sovereign AI can make India a global AI leader

Bengaluru, India, 16th October 2026, ZEX PR WIRE  — Dr. Hemant Garg, Deputy Director (Legal), Employees’ State Insurance Corporation (ESIC), Ministry of Labour and Employment, Government of India, received the “Excellence in AI for Public Policy” award at the 3rd World AI Summit in Bengaluru on 14–15 October 2026, placing an Indian public-policy voice at the centre of the global debate on how AI should serve people.

Dr. Garg described all of his work, from AI agents for government to AI-led labour law outreach, as an effort to help realise Hon’ble Prime Minister Shri Narendra Modi’s vision of Viksit Bharat@2047, under the leadership of Hon’ble Union Labour and Employment Minister Dr. Mansukh Mandaviya, whose Shramev Jayate reforms, Labour Codes and Ease of Doing Business drive set the direction. The goal, he said, is an Atmanirbhar Bharat in AI, built on a Bharat AI Stack: Indian large language models such as Sarvam, the Bhashini platform serving citizens in their own languages, and home-grown agents and talent under the IndiaAI Mission, taking India into the global AI league.

Held with Digital India, the National e-Governance Division (NeGD) and the Karnataka Digital Economy Mission (KDEM) as partners in Bengaluru, India’s startup, IT and now AI capital, often called India’s Silicon Valley, the Summit was themed “AI for All: Accelerating India’s Journey Towards Inclusive, Responsible and Future-Ready AI”.

The award honours his creation in 2023 of “IFSCA Karmayogi”, the first AI agent at the International Financial Services Centres Authority (IFSCA), GIFT City, and his research on AI in anti-money laundering, the Labour Codes and algorithmic management of gig workers.

On the panel “AI for All – India’s Journey to a Sovereign, Inclusive AI Future”, with Shri Aman Mittal, IAS, Dr. BVRC Purushottam, IAS and Prof. (Dr.) T. G. Sitharam, former Chairman, AICTE, moderated by Dr. Ravi Gupta, Dr. Garg said inclusive AI must include the worker, and that India can blend Europe’s rights-based approach, US-style audits and Singapore’s skilling model through its Labour Codes, the DPDP Act and e-Shram.

His keynote, “AI, Employment & Skills: Building a Future-Ready Workforce for India”, presented as “From Files to Foresight”, began with a worker disabled in an accident, or a family that has lost its breadwinner, whose care and pensions depend on ESIC, EPFO, the Ministry of Labour and Employment and the National Health Authority. “The true test of AI in government is how quickly that family receives its benefits, and whether it is treated with dignity on the way,” he said.

He traced three waves of governance: e-Governance, which put paper online; Digital Governance, built on India’s digital public infrastructure; and now AI-enabled Intelligent Governance, where benefits reach eligible citizens without their having to apply.

Dr. Garg propounded that AI will change tasks first, then jobs, then institutions and the workforce, and called for institutions for AI governance, impact assessment and exposure mapping to curb job attrition, support reskilling and compensate workers in transition. e-Shram, ESIC and EPFO, now reaching gig and platform workers, can extend social security to those left out, while indigenous models such as Sarvam and Bhashini can grow home-grown AI talent under the IndiaAI Mission.

Government AI, he said, must be lawful, explainable and accountable; “a pattern is not proof”; and India must guard against a new colonisation “not by ships, but by servers”. He proposed “Five Ts”: Trust, Transparency, Talent, Thin and safe data, and Tested-then-scaled.

An LLB, LLM and Ph.D., and an IIT Delhi CTO Programme alumnus with nearly two decades in public service, including Punjab’s Department of Cooperation, Dr. Garg has researched digital governance in governments and cooperatives extensively; his work is published internationally, taught in universities and presented at Oxford, Harvard and Cambridge.

“Not artificial intelligence replacing governance, but intelligent governance that remains deeply human,” he concluded.

Connect with Dr. Hemant Garg on LinkedIn: https://in.linkedin.com/in/dr-hemant-garg-2b26699

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