Your Time, Your Money™ New Episodes

GOOD MORNING AND GREAT COFFEE!

What is the number one thing you think of when the market goes down? How about when you change careers and have a retirement plan just sitting there in "space"? These along with many other situations can be reasons for the topics of conversation in this episode: reasons to call your advisor!

The guys go over the obvious (to some) and the not so obvious reasons you would want to reach out for a phone call or an appointment with your advisor and explain different scenarios that will play a factor in the days, months and years to come with your relationship you have with your advisor. So get the pad and paper out with your coffee and jot them down!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

Well, we had a great response from last week's episode, and decided to continue it into this week with "part 2" of investing terms. This week, Adam joins Mark to review some and add some new terminology to the investing discussion, broadening the scope of what things to discuss with a financial advisor, what to look for yourself and why both are important.

Make a line under last week's notes and continue on, my friends. You never know just what term will hit home with your own personal situation!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

*Should you have any questions or wish to schedule an appointment with one of our advisor on this or any other topic they've covered on the educational videos, please call us at our new number:

1-844-444-YTYM or email us at www.theessliegroup@ceterais.com

GOOD MORNING AND GREAT COFFEE!

Investing. Everyone wants to do it, but many people don't necessarily understand the "lingo" behind it, what certain terms mean, and how they can affect your outcome regarding your future decisions for retirement. This episode the guys dive into this topic to be able to relay this information directly to you.

With over 30 years of experience between the two of them, Mark and Matt reveal some things that will be helpful for you, and others that you may have questions on. Take some notes, and as always have a great day!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

*Should you have any questions or wish to schedule an appointment with one of our advisors on this or any other topic they've covered on the educational videos, please call us at our new number: 1-844-444-YTYM or email us at www.theessliegroup@ceterais.com

GOOD MORNING AND GREAT COFFEE!

If you're out in the work world, and you have any type of savings plan, you likely know about IRA's. But, do you know about ROTH IRA's? How much can you contribute, what can you do with the money that goes in and when? Is any of it tax free? These questions are all answered and more in this quick burst session with Mark Esslie, founder and owner of The Esslie Group.

So sip on that coffee, sharpen that pencil and take notes!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

Life insurance is a subject that many people aren't comfortable discussing, as they find the conversation somewhat morbid. But did you know that there are many functions that it can be used for besides the loss of a loved one? And did you also know that children can and SHOULD receive life insurance at a really early age?

In this discussion, the guys discuss the real importance of starting life insurance with children, the benefits that come along with doing so, and why it should be an everyday discussion. Sit back and take note, this is one to really pay attention to!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

Being a business owner can be extremely overwhelming, but at the same time very rewarding. Throughout the ups and downs, there is one constant with this and life in general: taxes!

The guys invite special guest Kevin O'Leary (no, not THAT one :) from Marvin and Company talks about owning a business, taxes, what to do and when to do it. If you've ever had any questions about taxes in general, or especially about your business, this is the episode for you!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

So, you're working at your job and they say they have a retirement plan. It's called a 401k, and you're like "what the heck is that?"! Well, this snapshot from Mark Esslie is all about it. some of the in's and out's, the things to look for and questions to ask yourself and your employer when dealing with this savings plan for the day you wish to retire.

Take a listen, take a couple notes and if there's any questions give us or your current advisor a call for help! Happy Thursday everyone!!!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

So, as the old saying goes: "A New Year, a New Me". But how often do we stay true to this commitment? Some promises may last a couple months, while others last a few days. In this episode burst session, Mark Esslie discusses the importance of making a resolution that stays true to your financial future and setting realistic goals to be able to stay on track with these goals. Some great advice for a New Year, whether just starting out or right in the middle of your future planning!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

 EARLY RELEASE THIS WEEK!

GOOD MORNING AND GREAT COFFEE!

If you're getting close to the "Golden Years" or already there, you may have heard of those 3 letters that start floating around in conversations: RMD. What the heck is that, you may ask yourself. well, it stands for "Required Minimum Distribution", and that first word means it's extremely important!

Take a listen to what our advisor Mark Esslie has to say about this topic, when to take it and how it affects you and your retirement in many ways. As always, enjoy your coffee, and Happy New Year ahead of time from our team at The Esslie Group!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

If you've ever watched a UFC televised fight or been to Cage Wars in Schenectady, NY then you've most likely seen our guest for this episode. We had the distinct honor of having a very special guest sit in with our guys this episode: legendary MMA Official Dan Miragliotta! A lot of different topics were discussed throughout this half hour episode: from Dan's beginnings, through his illustrious career and the many things he has seen and done getting to where he is today!

So, sit back and have put an extra shot of caffeine into that coffee, 'cause the "gloves come off" in this amazing session. Enjoy!

REMEMBER: GREAT LIVING AND EVEN BETTER PLANNING

GOOD MORNING AND GREAT COFFEE!

Here's a question for you. What's the one thing you always heard a coach say when you were playing a group sport? There is no "I" in TEAM. Well, this burst session hosted by our money coach Matthew Tarullo discusses exactly why it's important for him to be a part of such a strong team, and how it benefits the clients.

Whether just starting out or 30 years into your retirement strategy, it's never too late to consider a new approach!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

The holidays are upon us, and everyone is of good cheer...especially the credit card companies! Many Americans spend too much money in general, and this tends to become even more evident around Christmas time!

Matthew Tarullo takes this burst session to explain the importance of credit card maintenance, good credit and making sure to have your priorities straight in general when it comes to spending.
 
REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

With the election season upon us, people often ask how it can affect their planning, investments and other parts of their financial future. This is the topic of the conversation along with other aspects of it that is discussed by Mark and Adam during this episode.

Go down the reaction road and find out just how much elections and their results impact these and other aspects of our lives, and how to keep emotion out of your planning!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

Join our advisors Mark and Adam as they engage in a "burst session" about year-end strategies, and why it's important to always plan ahead going into the next year.

Putting off anything, let alone your planning even the slightest can have potential long-term effects on things down the road. So, listen up and get ready with your questions!

REMEMBER: LIVE WELL AND PLAN EVEN BETTER!

GOOD MORNING AND GREAT COFFEE!

So many episodes, all in one way or another discussing working with and trusted financial advisor. But you may be asking yourself this question: what does an advisor do? Well, our guys delve into their world during the burst session to discuss just that! What is a financial advisor? How does one choose who would be the best advisor to work with? What is a fiduciary?

These are some of the questions that are answered along with many others to better guide you in a decision on how best to choose someone to work with as you put your future into their hands.

Enjoy! REMEMBER: LIVE WELL AND PLAN EVEN BETTER

GOOD MORNING AND GREAT COFFEE!

Welcome to the world of indexing, ladies and gentlemen! In this episode, we have Matthew Tarullo and branch manager David Roche discuss those who are approaching retirement, and looking at how to approach growth, income, security and more.

If you are close to or ever plan on retiring, this is an episode you should listen to.

REMEMBER: LIVE WELL AND PLAN EVEN BETTER

**NOTE- DUE TO EQUIPMENT DIFFICULTIES, THERE WILL BE NO ACTUAL VIDEO, ONLY AUDIO FOR THE MAIN PORTION OF THIS EPISODE**

GOOD MORNING AND GREAT COFFEE!

HEY! GUESS WHAT?! THE MARKET IS DOWN!!! Wonder why I'm "shouting"? Because that's what most people are doing when the market goes down and have no planning or any idea what to do!

This episode has Mark and Justin discussing just this sort of thing! What should you do ahead of a down market, while it's happening and why it's not always necessarily a bad thing for it to be down for awhile. So take some notes and back away from the expresso shot! :)

REMEMBER: LIVE WELL AND PLAN EVEN BETTER