Your Time, Your Money™ New Episode 15-28
GOOD MORNING AND GREAT COFFEE!
So Baby Boomers, this episode is for you! In case you were wondering, if you were born from 1946-1964, you're a Baby Boomer :) That being said, Mark and Justin discuss Social Security and the importance of knowing how much you will be getting, how to figure it out, when to take it(yes, you can choose) and more.
So sit back with your coffee or other choice of beverage and learn about one of your retirement streams of income!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER
GOOD MORNING AND GREAT COFFEE!
In this episode, the title says it all! A common question that is always asked is how much insurance is enough? Do I really need it? What can it do for me long term and immediately?
Mark and Adam tackle these questions and more during this "burst session" on life insurance and the reasons why it is one of the most important things you will ever consider for yourself and your family.
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
It's a topic that many don't want to have to face or discuss, and is certainly one that doesn't get talked about enough. LTC, or Long Term Care is something that we as human beings always think will "never happen to me" or "my parent(s) won't need that, they're healthy". The hard truth is not knowing about it or how to prepare can cost a family severely in the long run!
Listen to the guys as they answer questions you may want to discuss with your loved ones, or even bring up something you may have never thought about before. Facing it now can potentially save a lot of headaches(and money) down the road!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
Beneficiaries. Banking. Both start with the letter "B" and both are equally important to understand how they go hand in hand in many regards! Many times, people don't understand the importance of making sure their beneficiaries are on their bank accounts in case the pass suddenly, what a TOD is, and many more aspects that goes into the planning process as a whole.
This episode helps to explain those things and more in one of the guy's "burst sessions". Enjoy your coffee, and bring your beneficiaries in to watch, listen and learn.
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
"I'm sorry, you weren't approved". Words that makes anyone's stomach. Credit is one of the most important parts of a person's life, starting at an early age straight through retirement. If you want a home, a new vehicle or to even start a business, then having good to excellent credit is a necessity.
Mark and Adam welcome special guest Shawn Moodie from Moodie Bluez Consulting to discuss the in's and out's of credit, credit repair and the importance of knowing when to use a professional to help. Sometimes it's the difference of one missed payment to drop your score, so take a listen to this important episode for all to hear!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
Special Guest
From left to right:
Mark Esslie- Financial Advisor
Shawn Moodie- President and Founder of Moodie Bluez Consulting
Matthew Tarullo- Financial Advisor
GOOD MORNING AND GREAT COFFEE!
Cash! A favorite word of most people. But who knew it could be balanced?! Joking aside, this episode delves into what a cash balancing plan is, and how small businesses and/or corporations can use this to help with their planning.
With special guest Brian Larson from Sage Advisory to help navigate this topic, the guys discuss how corporations should learn whether or not the cash balancing plan is appropriate for them and to discuss this with a professional advisor.
REMEMBER: GOOD LIVING AND EVEN BETTER PLANNING
SPECIAL GUEST
From left to right:
Mark Esslie- Financial Advisor
Brian Larson- Sage Advisory
Matthew Tarullo- Financial Advisor
GOOD MORNING AND GREAT COFFEE!
This week, we have a short but informative show with guest Justin Fillipone regarding being a first time teacher! Along with Matthew Tarullo, they discuss the in's and out's of this topic: from what your retirement plan is, to how they operate and what should be discussed when starting one up! Debt and just basic needs being taken care of are also on the episode.
If you're a first time teacher or a teacher wanting to learn a little more about your profession, take a listen to this episode. You may discover something you never new before!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
So, do you ever wake up from sleeping in night sweats and wonder "can I retire"? Well, worry no more! This episode, Mark and Adam discuss this very topic which literally every person at some point in their lives wonders about. From how to start preparing to knowing when the timing is potentially right, questions are addressed and put to rest(see what I did there?) to help easy your mind with this concerning topic. So, take a sip from this informative episode, and have a great week!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
Today we thought we would change it up a little bit and show you another side of our team. As Mark Esslie will explain, we take pride in focusing on many different aspects of planning and needs that aren't always being met. One of those that was brought to our attention was the lack of planning with and for women in general.
Please take the time to watch and listen to our First Annual Women's Appreciation Event, honoring Mrs. Shannon Older. We want everyone to see the multi-layered roles that women take on throughout their lives, and that the importance of protecting and planning for them is just as important as the recognition they deserve!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER
GOOD MORNING AND GREAT COFFEE!
When looking into planning, there are many methods and approaches that people should be made aware of. One such method or strategy is buffering! The guys discuss what it is, what buffered products are, and how and why they work in different scenarios. Although this episode is a little shorter than others, the information within may be just as important if not more so!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
Well, let's see. It's already mid-July, and your kid is about to become a junior or senior in high school in a month and a half. What's looming around the corner? COLLEGE! Luckily for you, we've got the expert for you to listen to in order to answer questions you already have or may not know you're going to be asking! Our guys meet with Dr. Dean Skarlis, President and Founder of The College Advisor of New York, Inc.
This episode goes over the basics for college discussions with topics covered to help with all of your college needs. From planning for the future by starting to save now to if students loans are necessary and a good or bad way to approach your child's future college needs. Have an extra shot of espresso and get out your notepad for this one!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
SPECIAL GUEST
From left to right:
Mark Esslie- Financial Advisor
Dr. Deam Skarlis- President and Founder of The College Advisor of New York, Inc.
Matthew Tarullo- Financial Advisor
GOOD MORNING AND GREAT COFFEE!
The guys are back at it this week with special guest Michael Rankin from ClearPath Mortgage Solutions. The discussion goes from understanding the mortgage process to the reasons for refinancing and everything in between. Also, a large focus is centered around our veterans and the types of loans that they can use for their service to our country. Please listen to this and learn from one of the best in the business.
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
SPECIAL GUEST
From left to right:
Mark Esslie- Financial Advisor
Michael Rankin- President of ClearPath Mortgage Solutions
Matthew Tarullo- Financial Advisor
GOOD MORNING AND GREAT COFFEE!
So, here's one that most people have never heard of before, unless you've spoken to or listened to an advisor: THE FOUR QUADRANTS! What are they? Income Distribution, Income Protection, Asset Protection, Wealth Transfer.
This episode brings in our other advisor Adam Jones to discuss these with Mark, and how to strategically approach them with an advisor. As unknown as the topic may be, this may be one of the more important ones to listen to and understand.
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
This episode has the guys talking about something that is not discussed too often/often enough: generational investing. What is it? Take your beneficiaries , and think about what you would leave them. Would it be property? Just money? What legal documents are needed to do these or other things? What's the affect on kid's college aid? These are just some things to think about when talking about this topic. Life insurance, trust funds, wills and other things play into this fully loaded episode of information!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!
GOOD MORNING AND GREAT COFFEE!
Did you ever wake up and go "I wonder what the difference is between a stock and a mutual fund"...Well, if you have(or even if you haven't), it's time to listen to the episode that discusses these and more: INVESTMENT BASICS! Mark and Matt discuss the in's and out's of planning using bonds, mutual funds, correlated vs non-correlated assets and more. From in service to ROTH options, you'll want the information that is in this episode to better understand the need to speak with a financial planner at some point when planning for retirement!
REMEMBER: LIVE WELL AND PLAN EVEN BETTER!