Top Shelf Talks

Quick Update on what we are working on this Summer

Financial Planning Series continues
Weekly Market Updates
New Series on the Book Richest Man in Babylon by George Clanson

If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269 he love to hear from you.

If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee.

Check out CONSUS website at, http://www.consuswmg.com/

We would also like to hear from you on future casts feel free to leave a comment or email us.

If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com.

#Podcast #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner #Roth401k #Petrodollar #thefed #moneysupply #Bitcoin #Crypto

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Our First Podcast of 2023, we talk about:

Again, Importance of Financial Plan
Being Successful in Retirement
Is clipping coupons in your future?
Going to the Gym really what you need in 2023?
Hidden Money could it be there?
What is really a Fiduciary?
What is coming up, our series on the book Richest Man in Babylon by George S. Clason
Don't wait get with a Certified Financial Planner
Give Tom a Call he is there to help.

If you like a financial plan or just chat with Tom, email tom@consuswmg.com or give him a call at 614-310-0269 he love to hear from you.

If you live in the Columbus, OH or St Louis, MO area he would be happy to sit down and meet with you at his office or at a local coffee shop and he would be happy to buy the coffee.

Check out CONSUS website at, http://www.consuswmg.com/

We would also like to hear from you on future casts and we hope to have an opportunity to do a "Live" event in 2023.

If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com.

If you like to check out the book Richest Man in Babylon, here is link to Amazon.

https://www.amazon.com/dp/B0BM76P9WN?psc=1&ref=ppx_yo2ov_dt_b_product_details

#Podcast #ElectionDay #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan #Fiduciary #Hiddenmoney #CFP #Don'twaitgetaplan #certifiedfinancalplaner

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On this 2022 Election Day, Tom and I have a little fun and listen to some Tik Toc Videos on the Pod Cast and you get our reactions.

Topics in this Podcast:

Networth Important? / One Recording says it's not.
Don't mess with the Blue Chips buy the Penny stocks and Crypto.
Live like College Students to build Wealth
Live like no-one today so you can live like no-one tomorrow.

If you want to talk about our Podcast please Just email us at topshelftalks@yahoo.com.

If you like a financia plan or just chat with Tom, email tom@consuswmg.com he love to hear from you.

We Love to hear from you.

Tom's Website;

http://www.consuswmg.com/

#TicTok #Podcast #ElectionDay #Networth #reactions #pennystocks #crypto #Collegestudents #topshelftalks

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On this 2022 Election Day, Tom and I talk about Tax changes for 2023, 401k Opportunities and Stock Market Reactions after Mid-Terms.

Topics:

Election Day - What does the Markets usually do post Mid-terms
Taxes, some changes happening in 2023
401k Contributions Changes
Don't forget you financial Plan and Give Tom a Call!!!

If you want to hear new topics on our Pod Casts please just email us at topshelftalks@yahoo.com.

If you like a financial plan or just chat with Tom, email tom@consuswmg.com he love to hear from you.

Tom's Website:

http://www.consuswmg.com/

#Taxes #Podcast #ElectionDay #Networth #reactions #topshelftalks #401k #401kContributions #Makingtherightfinancalplan #CONSUS #areyoudoingenough #Financialplan

Resources:

https://www.irs.gov/newsroom/401k-limit-increases-to-22500-for-2023-ira-limit-rises-to-6500

https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2023

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Something a bit off our topic of Finances, we are talking about EV (Electric Vehicle) and how they go beyond getting us from Point A to B

Topics in this Podcast:

Electric Vehicles
Cost vs Standard Car
EV go beyond being a Car.

Just email us at topshelftalks@yahoo.com.

We Love to hear from you.

Tom's Website;

http://www.consuswmg.com/

Resources:

https://www.evgo.com/

https://www.electrifyamerica.com/

#electric #EV #Electricvehicle #Rivian #Tesla #GM #Ford

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Well as the title says we are taking a twist, Tom and I are talking about the Housing Market and Mortgages.

Throw a little Motorcycle in there too.

Topics in this Podcast:

Housing what is going on?
Housing Pricing under pressure?
Mortgage Rates
Short Term Rates and have they been as affected by the fed?

If you would like to talk with Tom about your specific situation, financial plan or investments opportunities feel free to call Tom at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

If you are looking for advice on a mortgage or any lending products we have some Subject Matter Experts that can help or as we mention in the cast if you want to hear us talk about any specific topics please let us know.

Just email us at topshelftalks@yahoo.com.

We Love to hear from you.

Tom's Website;

http://www.consuswmg.com/

Resources:

Property Onion

https://propertyonion.com/education/mortgage-rate-predictions-for-2023/

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We are talking, Vacations, what is going on in the Market this week with Tom Costantiello CFP® with CONSUS Wealth Management.

Sorry we have both been on vacation so we didn't post an episode last week.

Topics in this Podcast:

Quick Update on our Vacations and what we saw from an economic point of view.
Where is the Fed Taking us?
Inflation "Again"
Importance of a financial plan.
Tom's Big announcement

If you would like to talk with Tom about your specific situation, financial plan or investments opportunities feel free to call Tom at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

Tom's Website;

http://www.consuswmg.com/

Resources:

"Dr Doom"

https://www.yahoo.com/video/dr-doom-nouriel-roubini-warns-201839931.html

JP Morgan / Chase CEO - Jamie Dimon

https://www.cnbc.com/2022/10/10/jpmorgan-jamie-dimon-warns-us-likely-to-tip-into-recession-soon.html

Disclosure:

Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice.

If you have any questions regarding specific topics please email topshelftalks@yahoo.com

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Episode 5 of our financial series with Tom Costantiello CFP® with CONSUS Wealth Management.

We look at different tools and strategies on how to hedge off losses and preserve capital in a bear market and economic recession.

Topics:

Market Updates September 2022
Bear market vs Recession
Buffered ETFs
Dollar Cost Averaging back into down market
Don't just ride the storm.

As always, if you would like to talk with Tom about your specific situation, financial plan or investments opportunities feel free to call Tom at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

Resources:

Anatomy of a Recession (Franklin Templeton)

https://www.franklintempleton.com/insights/anatomy-of-a-recession?role=fp&msclkid=30dd43cc67821ebba95e20e699f7fb64&utm_source=bing&utm_medium=cpc&utm_campaign=us_aor_T-TL-Anatomy-of-a-Recession_none_UNB&utm_term=anatomy%20of%20a%20recession&utm_content=AOR_Recession_none_UNB_EXT

Bear Markets:

https://finbold.com/guide/bear-market-definition/

Disclosure:

Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice. If you have any questions regarding specific topics please email topshelftalks@yahoo.com

Send in a voice message: https://anchor.fm/topshelftalks/message

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Episode #3 in our Financial Planning Series,

We talk about:

Retirement Goals
Income vs Growth, how does a Financial Plan
Growth for you retirement
Will I run out of money in retirement?
Social Security
Tax Rates/Tax Planning

If you would like to talk with Tom you can reach him at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

Resources:

Social Security Funding:

https://www.ssa.gov/benefits/retirement/planner/credits.html

https://www.ssa.gov/benefits/retirement/planner/taxes.html

Income Tax Brackets:

https://www.cnbc.com/2021/11/11/inflation-pushes-income-tax-brackets-higher-for-2022-.html

https://www.forbes.com/advisor/taxes/taxes-federal-income-tax-bracket/

Will I run out of money?

https://www.tampabay.com/news/business/2021/04/02/will-you-really-run-out-of-money-in-retirement/

Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice. If you have any questions regarding specific topics please email topshelftalks@yahoo.com

#FinancialPlan #FinancialPlanning #Taxfreeincomeinretirement #Taxplanning #SocialSecurity #RetirementGoals #GrowthMoney #WillIrunoutofmoney

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Bonus Podcast was recorded September 12, 2022, with my Good Friend Tom Costantiello CFP® with CONSUS Wealth Management.

Topics:

Market Updates for August and September 2022
Impacts from record Inflation
The Fed and their activities
Seems to be No Where to hide in investing your money
Things to keep an eye on in coming weeks.

As always, if you would like to talk with Tom about your specific situation, financial plan or investments opportunities feel free to call Tom at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

Clips from Tom's Email to his Clients

Fed & Inflation Reduction

The talk of the town remains reducing inflation along with the timeline and level of Fed aggression. There was no Fed meeting in August, there was the yearly Jackson Hole Symposium, it showed Federal Reserve Chair Jerome Powell is on an aggressive mission.

In the meeting of central bankers from around the world, Powell indicated continued vigilance in conquering inflation and used several key-phrases that got the market’s attention. Powell mentioned that the Fed will “use our tools forcefully” and “for some time”–and that these are some of the “unfortunate costs of reducing inflation."

Bond Yields Rise

When interest rates increase, bond prices decrease and bond yields rise. Benchmark 10 year note yield had whopper of a month during August, settling at 3.132% for the month, up from July’s of 2.641%. Shorter duration interest rates, including 5-year and 2-year notes, also rose in August.

While interest rates have risen more sharply in 2022 versus recent years, it’s wise to keep in mind that 10-year note yields have been much higher in the past, impacting the time’s mortgage rates. In fact, 30-year mortgage rates exceeded 17%, in 1981 and 1982.

Nobody knows how high rates will go during this cycle, but it’s always good to have a basis for comparison relative to the country’s last inflationary period.

Stock Market Reaction

Following the Fed commentary, the U.S. equities seemed to be that the Fed’s rate hike agenda may last for an extended period and that higher rates are even more likely as the inflation battle continues.

Inflation metrics released in August showed Consumer Price Index (CPI) unchanged in July unchanged in July but still higher by 8.5% year-over-year.

Fall & The Fed

As fall approaches, attention will turn to the September Fed meeting. Rate hike is widely expected at the Fed meeting on September 20-21. As of September 6, there’s a 26% chance of a 50 basis point hike and a 74% chance of a 75 basis point hike, per the CME FedWatch Tool.

Resources Mentioned in the Pod Cast

Fed Comments and outlook:

https://www.federalreserve.gov/newsevents/speech/powell20220826a.htm#:~:text=Moreover%2C%20there%20will%20very%20likely,unfortunate%20costs%20of%20reducing%20inflation.

Mortgage Rates

https://fred.stlouisfed.org/series/MORTGAGE30US

CPI:

https://www.bls.gov/opub/ted/2022/consumer-price-index-unchanged-over-the-month-up-8-5-percent-over-the-year-in-july-2022.htm

Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice. If you have any questions regarding specific topics please email topshelftalks@yahoo.com

#FinancialPlan #FinancialPlanning #Taxfreeincomeinretirement #Taxplanning #MarketOutlook #StockMarket #BondMarket #TheFed #InterestRates

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Episode #2 in our Financial Planning Series; we Dig into how to build a Financial Plan and the Implementation of your plan with my Good Friend Tom Costantiello CFP® with CONSUS Wealth Management.

We talk about:

Details in the Financial Plan.
Implementation of your financial plan
Quick overview of Taxes.
Preview of our Pod Cast on Tax Free Income in Retirement

If you would like to talk with Tom you can reach him at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice. If you have any questions regarding specific topics please email topshelftalks@yahoo.com

#FinancialPlan #FinancialPlanning #Taxfreeincomeinretirement #Taxplanning

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Introduction to Financial Plan and Planning with my Good Friend Tom Costantiello CFP® with CONSUS Wealth Management

In this Episode we talk about:

What is a Financial Plan?
What age should you have a financial plan?
Examples of things that a financial plan have.
How often do you need to review you financial plan?

If you would like to talk with Tom you can reach him at 614-310-0169 ext 1, or via email at tom@consuswmg.com.

Any information provided in this podcast, should be considered Information only and should not be taken for legal, tax or specific financial advice. If you have any questions regarding specific topics please email topshelftalks@yahoo.com

Send in a voice message: https://anchor.fm/topshelftalks/message

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