Crystal Frederick is the essence of Black Excellence. She is a Talk show host, CEO of Leave An Inheritance Wealth Group, LLC, CEO of Crystal Clear Advisors, Principal Broker of AKS Properties Real Estate Firm & Founder of Real Returns Partnership, and a Wealth and Health Life coach. Through all of her trials and tribulations, her faith was rooted in God. Crystal recently sat down with Bronze Magazine to discuss her automobile accident, companies, and purpose-driven life to pour into others.
Tell us a little bit about yourself.
I am a Christian and I built my businesses on the foundation of being a Christian with Christian principles. Those principles are respecting others, being loyal to others, and serving others. Every business that was created by me was actually built on solving an issue that was going on in my life. I want to help to serve others so they won’t have to face some of the challenges that I have endured.
Share the details of your automobile accident.
I was driving and got into an automobile accident 2 years ago and ended up with a head concussion and I had swelling of the brain that caused me to lose my short and long-term memory. My mother passed two months after my accident and I remember that, but I really could not remember everything. My memory actually started coming back to me the first part of 2022.
When did you first take an interest in health and wellness?
After my car accident I started thinking about how I was single, a business owner, a mother of three children, and I did not have any financial planning in place besides just working. I did not have any life insurance for my children in the case of a critical illness, injury, or the things that can happen in life. I would not have been able to pull out any money to sustain my family during this critical time frame. The impact of the battle made me look at myself from a different perspective. We always promote being on the grind and being a workhorse and I think that mentally we feel good because we are busy working and grinding as we call it, but actually it is detrimental to us and our health. You are your greatest wealth. We talk about your house and your car being an individual’s greatest two largest assets and I realize that is not true. You are your greatest asset. There is nothing without you.
Tell us about Leave An Inheritance Wealth Group, LLC.
This was breadth through the injury that I had. It started out with a focus on working single mothers that didn’t have any life insurance. Most people get life insurance for their children because they are younger and it is cheaper. The mother usually forgets about obtaining life insurance for herself. Proverbs 13:22 says ‘A good man leaves an inheritance to his children’s children’ because that is how it begins. If something happens to mom, her children will need to be taken care of especially if she has more than one child. Someone else is going to have to take care of those children if something happens to her. She needs to cover herself. I like to bring awareness and information informing the uninformed.
Let’s talk about your Women to Women talk radio show.
A friend of mine had a friend that worked at a radio station. I was doing a ministry prayer line and have always consulted with other women. He told me that what I did was great and would I like to do it on the radio. He paid for it for three months to see if I liked it. I was so nervous and told him that I would think about it. After praying and thinking about it, I accepted it and it went from there. I started out with calling it the Women To Women talk show because it was my plan to have other women who have a will to give back such as a leader like yourself, Dr. Fenner, to pour into and serve others in order to help change their trajectory.
What kinds of advice do you like to give women?
I guess it is more of transparency advice. I believe that so many of us are accustomed to people that tell us what to do or give us advice about life and they are not living it or experiencing the struggle. I may not have experienced some of the experiences that they have experienced, but I have experienced plenty of my own. Because of that I believe that I can help someone by sharing my experiences that will help someone else to avoid a situation to their betterment. That is the type of advice that I like to share. I also like to share with women a need to get along and promote unity and creativity. I think the world has taught women to compete with one another so much that women attack each other too much. It is time to stop all of that, unite together, and push each other to the next level.
Are you currently working on any projects?
I am currently working on my first time home buyer and first time investor real estate course. I want to think like the expert and know what the expert knows. Right now so many people are in the market of buying their first investment property or their first house and the market is upside down, tight, and frustrated. There are limited homes and it is on the rise. I am also working on one of my books. I believe that it will be rejuvenating and enlightening to women and men. A lot of people just stop working on their goals due to the challenges, situations, and crises they face. You look around the world sometimes and feel like there is nothing that you can do that will change or improve anything. So this particular book focuses on that area to help people overcome.
What kind of financial advice would you give someone who is leery about investing in stocks, bonds, etc?
I would say to go more into safe investments. That is why I inform people of life insurance. That is one of the safest investments that you can make because you can own your own bank. I discuss this in seminars and webinars because you can own your own bank by taking your money that is in a savings account that is not making anything but a fraction of the amount and they can actually place that money in their own bank which is a life insurance product and start building their cash value. This is money they can pull out on their own and it is not credit approved. They can build it up and utilize it.
What has been your biggest accomplishment?
My biggest accomplishment has been to raise my three precious children that I love dearly. I appreciate who they are becoming.
What is your biggest life lesson that you have learned?
My biggest life lesson has been to accept the fact that things do not always work out the way that you have planned. Life happens.
What kind of legacy would you like to leave?
I would like for people to remember that I was true, inspiring, and taught people to be their authentic selves. I also want them to remember that they have everything inside of them to be successful. Always be willing to give back and serve others.
I want to be able to gather together many ladies such as yourself and have a roundtable discussion where they can share their challenges, insights, and inform others. I want it to be reachable or attainable in the form of a seminar where people can ask questions and really get true help. I want the audience to be inspired and really ask, “Dr. Fenner, I want to be a teacher or a principal so what are my next steps?” They can ask questions and receive that immediate feedback. This information can change their lives at that very moment.
Crystal Clear Advisor