YOUR TIME, YOUR MONEY™ EPISODES 1-14

GOOD  MORNING AND GREAT COFFEE!

Have you or someone you know ever been in an accident before? The guys meet with special guest Paul Harding in this episode to discuss the ways that accidents can potentially change your life forever. Topics discussed include the ins and outs of personal injury, not knowing your policies and how it can effect you. If you've ever had any questions about what to do after an accident or how to be prepared in case of one, this is your episode!

REMEMBER: LIVE WELL, AND PLAN EVEN BETTER!

GOOD MORNING AND GREAT COFFEE! Could this episode be ANY more perfect for what's currently happening in the market? I THINK NOT! :) Our guys explore the world of inflation, and the many different aspects of it. From not using the "bucket strategy" and why this is potentially dangerous to being afraid of investing, this episode will answer pretty much any question anyone has had about the different aspects of inflation. Pair that with correct planning and strategies, and you'll have a show that you'll probably listen to more than just once!

Remember: Live well, and plan even better!

GOOD MORNING AND GREAT COFFEE!
So, what is Estate Planning? Is it enough to have just a will in place? Does this replace and Estate Plan or do you need more? Most people don't know what an Estate Plan is, let alone how important it can be when planning for the future of their family. The guys speak with special guest Jane Marie Schaeffer this week from The Herzog Law Firm to answer questions as to why it's important, as well as discussions on having a Power of Attorney, a health proxy and other vital components to a wholistic plan for the future. There's a lot of information in this episode, so bring your family to the table and grab an extra coffee!
Live well, and plan even better!

GOOD MORNING AND GREAT COFFEE!

So, with the world and the market being the way it currently is, this is the perfect episode to listen to in regards to investing and why keeping emotions out of it are so important. Hypothetical situations are discussed with our special guest Mitch Solomon who has 24 years of experience in the industry and why making emotional decisions can negatively impact your planning. As always, ways to stay positive and leave emotion out of financial decision making is approached as well, and why it is so important in order to continue with an individual's game plan.

GOOD MORNING AND GREAT COFFEE! This episode is a follow up from last week's and a different perspective on real estate and the different nuances from an agent's perspective. The guys have brought in one of the leading agents in the Capital District, Jamie Mazuryk from CM Fox to discuss her journey from law enforcement to being a successful agent. Everything is on the table in this one, from buyer vs seller agents to what makes a successful listing process happen. Buying or selling a home anytime soon? Listen to this episode for some great insight! Happy Thursday!

GOOD MORNING AND GREAT COFFEE! In this episode, the guys are joined by Mark's brother Michael of Esslie and Frenia P.C. The discussion centers around real estate, the beginning processes and things to look out for when you find "THE" house and different circumstances and potential issues to be aware of and look out for. From wells and septic to lenders and what they look for in a first time or second buyer and beyond. If you're looking for a new home or land, property to rent out or your "forever home" this is an episode to listen to!

GOOD MORNING AND GREAT COFFEE! Exciting doesn't even begin to describe this week's show. Our first ever off-site location brought us to a place where childhood dreams are made of, engines roar and history is felt. Welcome to The Hangar At 743! Mark sat down with President and Owner David Prescott to discuss his entrepreneurial road from childhood through today, his many different adventures along the way as well as his time in our Armed Forces. Everything from non-profit leadership to the different types of planes that are housed here are discussed in this don't miss episode. 

GOOD MORNING AND GREAT COFFEE! On this week's episode, the guys dive into the world of pension option planning! Many professions receive a pension as part of their retirement, from police officers to state workers and others. There are many internal intricacies that are often not known when signing up for this plan as well as when someone is about to retire which will be touched on throughout this segment. So grab a pad and pencil, let your colleagues know about this show, and get ready to learn!

GOOD MORNING AND GREAT COFFEE! This episode introduces another new face from the team along with a special guest! From behind the cameras and soundboard, Matthew Byers sits with Mark Esslie and special guest Melissa Mantei, President and CEO of The Northeast Kidney Foundation this week to discuss Charitable Giving, the importance of why it is necessary to give to these organizations, the benefits it has for those in need and also for those giving as well.

Melissa Mantei, a kidney donor in 2008, joined the NEKF in 2020 and became President and CEO in 2021. Mark Esslie joined the NEKF in 2018 and became President of the Trustee Board in 2020. Matthew Byers joined the NEKF in 2022 and became President of the Board of Directors last month. All 3 have special ties and reasons for being part of this amazing non-profit organization. For more information, please see the link below to it's website. HAPPY THURSDAY EVERYONE!

https://healthykidneys.org/

GOOD MORNING AND GREAT COFFEE TO EVERYONE! In this episode, the guys discuss what diversification is within a portfolio as well as why it is important to consider when talking with an advisor. They also delve into why stocks vs bonds may not be enough anymore in this current market and moving forward, and what questions people should be asking when discussing their plans with a financial professional.

GOOD MORNING AND GREAT COFFEE TO EVERYONE! In this episode, we introduce our other advisor Adam Jones into the mix to discuss the always important works plans. 401k and retirements plans, what to do if they aren't available, and how to maximize what you do have at your company. They also delve into the world of ROTH IRA's and how they can sometimes be incorporated within a plan itself. This episode is for business and owners and employees alike, packed with great advice and some fun as well. Enjoy!

Time for that coffee and your weekly show! In this episode, our guys go through the ins and outs of retirement. They discuss the many different questions they hear when sitting with people, and tackle some overall topics such as inflation, longevity, taxes, fixed income, and the unforeseen. If you are just beginning work, somewhere in the middle of or close to retiring and wonder if you will be able to retire the way that you want to, this is the episode for you. Sometimes the answer isn't always what you want to hear, but it will be the one to drive you towards your goals for retirement!