Wine and Dime: Recent Episodes
Amy Irvine
A podcast that combines two of my passions... Wine and financial planning. Subscribe to Wine and Dime with Amy Irvine. Each week, Amy sips one of her favorite wines, carefully paired with financial planning advice.
About the Guest(s):Robert Siciliano is a cybersecurity expert with over 30 years of experience in personal and corporate protection. He is a security analyst, bestselling author, and the architect of the Strategic Human Firewall. Recognized for his educational efforts in personal security, Robert has appeared on major platforms such as CNN, Fox News, and CNBC and has been published in the Wall Street Journal, the New York Times, and Forbes. He has contributed significantly to the Identity Theft Resource Center and the Realtor Safety Initiative. Robert's practical approach to cybersecurity includes notable demonstrations, such as purchasing a working ATM to illustrate vulnerabilities in systems.
Episode Summary:In this enlightening episode of Money Roots, hosted by Amy Irvine from Rooted Planning Group, guest Robert Siciliano delves into the complexities of personal and cybersecurity. As an established security analyst and educator, Robert shares his journey and vital insights into how individuals and organizations can protect themselves against the ever-evolving threats of digital crime. Through a mix of personal stories and professional wisdom, Robert illustrates the importance of proactive security measures, especially in today's organized cybercrime landscape.
Robert discusses how the nature of cyber threats has evolved from individual hackers to sophisticated organized crime syndicates. He emphasizes the importance of shifting one's paradigm from denial to proactive risk management, introducing the concept of the Strategic Human Firewall. This episode is rich with actionable advice, including the adoption of preventive tools like password managers and two-factor authentication. Robert's message underscores the need for financial service professionals to extend the definition of financial security to include these contemporary digital threats, aiming to protect clients holistically.
Key Takeaways: Strategic Human Firewall: Robert introduces this concept highlighting proactive risk management and preventive cybersecurity measures. * Evolution of Cybercrime: Cyber threats have evolved from individual hackers to organized crime operations, making vigilance essential. * Preventive Measures: Essential tools like password managers and two-factor authentication are key to protecting personal information. * Cultural Shifts in Security: Changing belief systems from denial to proactive engagement with security practices is crucial. * Security Appreciation:* The paradigm shift from awareness to genuine appreciation of security roles and their importance in personal and professional settings.
Notable Quotes:1. "I can make every single person sitting in the chair listening, make them part of the top 10% of secure Americans, just like that." 2. "We're an interdependent species...and what that fundamentally means is we are dependent upon each other for our survival." 3. "Hackers don't necessarily hack anymore...what they really do is they just log in." 4. "The strategic human firewall is someone who effectively recognizes risk...a mindset that turns us from passive targets into active detection." 5. "We achieve what I call security appreciation...where successful training ends with the employee teaching the concepts to their family at home."
Resources:* Robert Siciliano's LinkedIn * Robert Siciliano's Instagram * Robert Siciliano's Website: Protect Now LLC * Book: "Identity Theft: Privacy, Security Protection and Fraud Prevention" by Robert Siciliano
Join Amy and Robert in this compelling episode, as they equip you with invaluable insights into personal and corporate cybersecurity. Listen to the full episode to ensure you're one step ahead in safeguarding your digital footprint and stay tuned for more captivating discussions on Money Roots!
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm dedicated to helping individuals and families achieve their financial goals. With years of experience in the financial industry, Amy has built a reputation as a trusted advisor and advocate for financial literacy. Her expertise spans areas such as debt management, budgeting, savings, and investment strategies. As the host of the podcast "Money Roots," Amy shares invaluable financial insights and tips to empower individuals in managing their finances more effectively.
Episode Summary:In this episode of "Money Roots," Amy Irvine, the insightful CEO of Rooted Planning Group, dives into a rich tapestry of financial guidance relevant to both new graduates and seasoned investors alike. With 2026 mid-year approaching, Amy touches on pivotal topics including financial tips for recent graduates, strategies to protect against inflation, and a deeper understanding of market volatility and risk. By breaking down complex financial concepts, she provides listeners with actionable advice to bolster their financial resilience and prosperity.
Amy begins by celebrating the monumental achievement of graduating, acknowledging the transition into financial independence. She outlines essential financial tips for grads, focusing on debt management, budgeting, saving, and investing. She emphasizes the significance of early and consistent saving, saying, "Study after study have showed if you start saving when you're 22 years old...those years of early savings are really critical." Shifting gears, Amy explores investment options to combat inflation, from TIPS and commodity mutual funds to equities and REITs, while stressing the importance of a diversified portfolio. Finally, she clarifies the distinction between market volatility and risk, encouraging investors to align their strategies with their financial goals.
Key Takeaways: Financial Independence for Grads: Understand the importance of managing debt, creating a budget, saving early, and starting to invest, even with small contributions. * Combat Inflation: Consider investment options such as TIPS, precious metal funds, and REITs to hedge against inflation, while maintaining a diversified portfolio. * Understanding Risk: Differentiate between market volatility and market risk to make informed investment decisions. * Start Saving Early: The power of compound interest can't be overstated; starting to save at a young age can drastically impact long-term financial health. * Diversification is Key:* Always strive for a diversified portfolio as a proactive strategy against unpredictable market shifts.
Notable Quotes:1. "It is a moment of shift...this is a major change in somebody's life when they graduate from high school and college." 2. "While you do this, be sure to pay attention to interest rates and make a plan for how to handle payments each month." 3. "Start with savings consistent, you know that like monthly amount, put it aside in a place that you don't even notice it." 4. "Volatility is a normal part of investing, but not all volatility equals risk." 5. "It's important to break down these, these two key concepts of market volatility and risk because they are two different key concepts."
Resources: Rooted Planning Group Website: Visit Rooted Planning Group * Monarch Money: Recommended financial tracking tool for budgeting. * Rule of 72: Technique for estimating investment doubling period. * TIPS, REITs, and Commodity Mutual Funds:* Various investment vehicles discussed to combat inflation threats.
Important Investment Considerations: TIPS: Treasury Inflation-Protected Securities, or TIPS, are purchased in multiples of $100 and are issued with terms of 5, 10, and 30 years. They may also be sold on the secondary market, where pricing is determined by supply and demand. * Precious Metal Funds: Precious metal funds can experience significant price fluctuations, and initial costs may be high. * Commodity Funds: Commodity funds are not appropriate for everyone. Certain market conditions may create a substantial risk of loss, so investors should carefully consider the potential risks before purchasing. * REIT Funds:* REIT funds hold Real Estate Investment Trusts in their portfolios and are subject to risks such as liquidity concerns and property devaluations due to adverse economic or real estate market conditions. These funds may not be suitable for all investors and can be sensitive to interest rates, national and local economic conditions, property tax rates, and other factors. Changes in real estate values or economic downturns may negatively affect issuers in the real estate industry. Stock markets are also volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic, or other developments.
Engage with this episode for insightful financial strategies, and ensure to stay tuned for more enriching content on "Money Roots." Each episode is crafted to empower your financial journey and support your life events with robust fiscal planning.
About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a financial planning firm dedicated to providing personalized financial strategies. With over a decade of experience in the industry, Amy has established herself as a seasoned expert in financial planning. She founded the Money Roots podcast, where she shares insights and lessons learned throughout her journey as a business owner. Celebrating 10 years of her firm, Amy focuses on helping Generation X women and their families navigate financial education and planning.
Episode Summary:Join Amy Irvine, founder of Rooted Planning Group, as she celebrates 10 years in business by sharing the top 10 lessons she's learned as an entrepreneur on this episode of Money Roots. This engaging podcast dives into the real conversations behind financial planning and emphasizes the importance of having clear goals and vision, both personally and professionally. Amy reflects on her journey, including the transformative events that led to the creation of her firm and the significance of working with her chosen clientele.
Amy's insight-rich discussion highlights the importance of branding and knowing your audience while balancing success planning and failure anticipation. She underscores the value of continuous growth, strategic retreat opportunities, and recognizing personal and business evolution over time. As she unravels the nuances of running a successful business, Amy offers invaluable advice to all listeners, from business owners to those contemplating entrepreneurship, such as planning for success while being mindful of "you should" advice from others.
Key Takeaways: Understanding Your "Why": Know your reasons for starting a business and ensure your work aligns with your life goals. * Brand and Audience Clarity: Establish a clear brand and understand your target audience from the outset to prevent future challenges. * Plan for Both Success and Failure: Set KPIs to prepare for success, not just anticipate failures. * Prioritize Strategic Decisions: Learn to differentiate between opportunities to pursue and those to decline to maintain focus and energy. * Evolve with Change*: Embrace personal and professional growth, adapting your business as necessary along the way.
Notable Quotes:* "If money wasn't a barrier, what would we change in our lives?" * "Plan for success as much as you plan for failure." * "Understand what opportunities are right for you and which ones are not." * "Success is often measured by impact." * "Solo and team retreats are fantastic opportunities."
Resources:* Rooted Planning Group Website: Rooted Planning Group
Engage further by tuning in to the complete episode of Money Roots for more valuable insights from Amy Irvine. Stay connected for future episodes where we explore the intersection of life events and financial planning.
About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a financial planning firm dedicated to helping individuals and families achieve financial well-being. With years of experience in the financial industry, Amy is an esteemed financial advisor known for her insightful strategies and personal approach to financial planning. Her expertise spans a variety of financial planning areas, emphasizing the importance of aligning life events with financial goals.
Episode Summary:In this episode of Money Roots, host Amy Irvine dives into the important considerations for parents and students as they navigate the financial aspects of college education, particularly in light of new regulatory changes effective from July 1, 2026. Drawing on her extensive knowledge in financial planning, Amy offers a comprehensive guide to understanding the real cost of college, the borrowing process for both students and parents, and the crucial factors to assess when selecting an educational institution.
The discussion begins with an introduction to the "real cost of college," focusing on the features and benefits of the College Navigator website. This online tool provides prospective students and parents with critical information about tuition fees, living costs, and trends in college expenses. Amy emphasizes the importance of examining retention and graduation rates, and how they should influence decision-making. The episode progresses into a detailed analysis of changes in borrowing limits for both students and parents. Amy explains the adjusted limits on PLUS loans and student loans, and the significance of understanding loan interest rates and origination fees when planning college finances.
Key Takeaways:* College Navigator is a vital resource for understanding the cost breakdown of potential colleges, including tuition, housing, and historical trends in pricing. * The importance of considering college retention and graduation rates, which can impact the long-term value of a college investment. * There are limits on how much can be borrowed through government loans—$27,000 for students over four years and $65,000 lifetime for parents via PLUS loans. * Loan origination fees and interest rates significantly affect the total cost of borrowing for college; understanding these can help in the planning process. * Parents and students should consider future job earnings and loan repayment strategies when deciding on college options, ensuring that debt remains manageable after graduation.
Notable Quotes:* "The 'real cost of college' is crucial for families to understand when making one of the biggest financial decisions for higher education." * "College Navigator provides a comprehensive look at tuition fees, estimated out-of-pocket costs, and historical expense trends." * "Understanding loan limits and origination fees is critical to managing education finances effectively." * "Interest accumulates on student loans, adding to the principal amount over time. This is a key point families often overlook." * "Planning for post-graduation expenses in relation to expected job salaries is essential in making a wise investment in education."
Resources:* College Navigator - A tool by the National Center for Educational Science Statistics to explore college costs, retention, and graduation rates.
For a deeper understanding of these topics and more strategies on managing the financial journey through college, be sure to listen to the full episode. Stay tuned for more insightful discussions on Money Roots, where financial planning supports life's pivotal moments.
About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a financial advisory firm dedicated to offering comprehensive financial guidance. With a career spanning over two decades, Amy is known for her insightful approach to integrating personal life goals with financial planning. Her mission is to help individuals and families establish financial stability and achieve their life ambitions through informed financial decisions. As the host of the podcast "Money Roots," Amy blends her expertise with practical advice, making complex financial concepts accessible and actionable for her audience.
Episode Summary:In this engaging episode of "Money Roots," Amy Irvine reflects on the parallels between hiking and financial planning. Broadcasting from a picturesque cabin in North Carolina, Amy shares her rejuvenating hiking experiences and connects them to valuable financial insights. As the episode unfolds, she elaborates on the concepts of creating mental space, reducing financial 'noise,' and the significance of personal financial goals.
A major theme of the podcast is the importance of establishing "brain space" and reducing noise when making financial decisions. Amy emphasizes how moments of tranquility, akin to silent hikes, can lead to more thoughtful and informed financial choices. She also discusses the societal pressure of comparison and how focusing on personal goals over others’ achievements can lead to more fulfilling financial planning. By drawing analogies, Amy conveys that financial planning is not just about managing money—it’s about aligning financial decisions with deeply personal life aspirations and maintaining a focus on long-term goals.
Key Takeaways: Brain Space and Financial Health: Prioritizing personal time to recharge can lead to more focused financial planning and rejuvenate your decision-making process. * Managing Financial Noise: Just as noise can disrupt a peaceful hike, external influences and pressures can impact financial choices; it’s crucial to tune out unhelpful noise. * Comparison is a Deterrent: Escaping the habit of comparing oneself to others fosters contentment and personal goal achievement in financial planning. * Comfort in Discomfort: Embrace situations that may feel uncomfortable financially, as they often lead to better long-term comfort and stability. * Pack Light, Be Prepared:* Like hiking, financial planning should involve careful preparation and readiness for unforeseen events, balancing needs with simplicity.
Notable Quotes:* "There's so much going on in my head...I just need to reboot, shut down and reboot because I need to clear out all the miscellaneous junk that's in there." * "Noise, to me, is something that we hear so much of...and how does that impact our spending, our behaviors around money?" * "We need to stop comparing ourselves both financially as well as other ways." * "Sometimes you have to get comfortable being uncomfortable so you can get comfortable." * "Pack light, but be prepared means take enough stuff with you that if you need something, you have it."
Resources:* Rooted Planning Group: Rooted Planning Group Website
Tune in to hear more from Amy Irvine as she provides thoughtful and practical financial advice through the lens of her personal experiences. Stay connected with "Money Roots" for more insightful episodes that blend life events with financial planning.
About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a firm dedicated to grounding financial advice in real-life events. With extensive experience in financial planning, Amy and her team focus on providing individuals with advice tailored to their unique circumstances. Known for her engaging and informative approach, Amy hosts the Money Roots podcast, where she delves into financial topics that matter most to everyday listeners.
Episode Summary:In this enlightening episode of Money Roots, Amy Irvine, the insightful CEO and founder of Rooted Planning Group, tackles the intricate world of Medicare. As healthcare costs continue to rise, understanding Medicare becomes crucial for those planning their retirement years. Medicare, a government health insurance program, is often riddled with confusion due to its complex rules and options. Amy provides a deep dive into these rules, helping listeners navigate the choices available to them, emphasizing the importance of integrating Medicare decisions into overall financial planning.
Medicare comprises several parts, each serving distinct purposes: Part A covers hospital stays, while Part B covers medical services, both under "Original Medicare." Parts C and D offer additional advantages through private insurers, adding complexity and choice to the benefit structure. Amy elucidates on the surprising costs associated with Medicare, particularly addressing IRMAA (Income Related Monthly Adjustment Amount), a surcharge affecting Part B and D premiums. Essential strategies are shared, helping retirees plan effectively, from the significance of annual reviews to adjusting for IRMAA expectations. Amy’s insights highlight the complex decision-making required for comprehensive retirement planning.
Key Takeaways:* Medicare is a key consideration in financial planning for retirees due to its complexities and costs. * Annual reviews of Medicare plans are essential, as healthcare needs, and associated costs can change. * IRMAA adjustments can greatly impact Medicare premiums and require careful income planning. * Choosing between Medigap and Medicare Advantage plans depends on individual healthcare needs and financial situations. * Some techniques, like Roth IRA conversions and Qualified Charitable Distributions, can help manage healthcare costs.
Notable Quotes:* "Once you elect Medicare coverage and supplements, don’t set it and forget it. This is something that you should review every single year during open enrollment." * "Medicare's importance has only grown as healthcare costs have steadily risen." * "IRMAA operates as a cliff... this can catch even savvy retirees by surprise if their income rises above certain levels." * "Choosing between Medigap and Medicare Advantage plans is not just affected by healthcare requirements, but also by the financial risk profile." * "Medicare planning is not a one-time decision; it requires annual review because... health status and income levels can all change."
Resources:* For more on Rooted Planning Group and the Money Roots podcast: Rooted Planning Group * Additional resources and transcript of the episode can be found in the episode's show notes at www.rootedpg.com/podcasts/2026/4/14/navigating-medicare-key-insights-for-financial-planning-success
Listeners are encouraged to dive into the full episode to uncover detailed insights and practical strategies on effectively planning for healthcare costs in retirement. Stay tuned to Money Roots for more engaging discussions about money matters that support your life's events.
About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a financial planning firm dedicated to helping clients build a secure financial future. With a robust background in wealth management and a passion for financial literacy, Amy leads her team to uncover the intricate connections between emotions and financial behaviors. Through her podcast, Money Roots, Amy offers insights into the psychological aspects of financial planning, sharing her extensive knowledge and experience to guide listeners toward better financial health.
Episode Summary:In this episode of "Money Roots," host Amy Irvine delves into the complex relationship between emotions and financial behaviors. Following the positive feedback from her previous discussion with Carrie Friedberg on mastering money, Amy addresses the intriguing topic of why individuals often feel like they're sabotaging their financial well-being. She breaks down the self-sabotage phenomenon and explores the underlying emotional connections that influence financial decision-making.
Throughout the podcast, Amy examines various themes, such as the feelings of inadequacy people might carry regarding money and the hidden comfort found in financial chaos due to one's upbringing. Using relatable anecdotes and expert insights, she encourages listeners to explore their financial patterns and behaviors deeply. In addition, Amy shares strategic steps for shifting self-sabotaging financial behaviors, offering practical advice on how to make small, incremental changes to create lasting habits, thereby addressing challenges like chronic financial stress and the fear of financial success or responsibility. Tune in to gain a deeper understanding of how your emotions play a significant role in your financial decisions, and learn actionable steps to take control of your finances.
Key Takeaways:1. Many people experience a feeling of self-sabotage in their financial lives, which is often rooted in emotional connections to money. 2. Identifying personal financial mistakes and journaling about them can help uncover underlying behaviors and beliefs. 3. Understanding one's financial upbringing can reveal ingrained habits or patterns that might contribute to current financial decisions. 4. Small steps and incremental changes are essential when attempting to rewire financial habits and overcome self-sabotaging behaviors. 5. Fear of success or increased responsibility can lead to financial self-sabotage, despite the desirability of financial stability.
Notable Quotes:1. "Are we putting our head in the sand? Are we impulse spending and putting our hand head in the sand, are we avoiding bills?" 2. "When we use those words with each other, on each other, on ourselves, it's like we're identifying conflicts where we're making ourselves quote unquote bad at something." 3. "Is there comfort in financial chaos? I know that sounds like something that would be strange, like why would we feel familiar in financial chaos?" 4. "If something has for a long time felt bad, normal, any big shift is going to feel abnormal." 5. "Journal them, write them down in your mind. What mistakes are you making or you feel you're making?"
Resources:1. Rooted Planning Group: RootedPlanningGroup.com
For anyone looking to deepen their understanding of financial well being and emotional connections to money, listening to this episode provides critical insights and strategies. Stay tuned for more enriching episodes of "Money Roots," where Amy Irvine continues to shed light on crucial financial planning topics.
About the Guest(s):Carrie Friedberg is a certified Money Coach and Financial Behavior Specialist with over 15 years of experience through her practice, SF Money Coach. She has a rich background in education, having taught kindergarten for nearly a decade. With a commitment to helping individuals and couples conquer financial challenges, Carrie brings a unique blend of counselor training and personal experience in overcoming financial obstacles. Her journey from financial struggles to empowerment has inspired her to educate others on mastering personal finance. Carrie is the author of "At Peace with Money," a book that delivers a fresh perspective on achieving financial literacy and wellness.
Episode Summary:In this engaging episode of "Money Roots," host Amy Irvine sits down with Carrie Friedberg, an experienced Money Coach, to delve into the emotional and practical aspects of financial literacy. The episode explores Carrie's transformation from financial struggle to expertise, highlighting her journey and the inception of her book, "At Peace with Money." With warmth and insight, Carrie shares her personal story of overcoming fears and challenges with money, offering a relatable perspective for listeners who find financial concepts daunting.
Through this conversation, Carrie and Amy discuss the critical intersection of emotions and money, emphasizing the importance of education in achieving financial wellness. Their dialogue covers Carrie's unique coaching approach, tailored to help individuals and couples navigate their personal financial journeys. Carrie emphasizes how even those without a "natural money sense" can learn to manage their finances effectively, an insight that is encapsulated in her accessible, reader-friendly book. The discussion is packed with advice on financial planning, tools, and the importance of having an advocate in financial discussions, making it a must-listen for anyone aiming to improve their money mindset and management skills.
Key Takeaways:1. Understanding personal finance doesn't require a natural aptitude but is a skill that can be taught and mastered by anyone willing to learn. 2. Carrie's practical and holistic approach to financial coaching involves personalized, supportive guidance through consistency and tailored strategies. 3. Emotions and money are intricately connected; having a coach can help demystify financial concepts by breaking them down into manageable steps. 4. Writing down financial questions and scripting for meetings can empower individuals to control their financial decisions. 5. Carrie's book, "At Peace with Money," is designed to be an inviting and humorous guide that demystifies financial management for readers.
Notable Quotes:1. "Proof that anyone who can do fifth grade math can master personal finance." 2. "I wrote the book that I needed to read." 3. "Let's just be a little more light hearted and have open hands, and turn the lights on and open the windows around money." 4. "Everything about wealth management and personal finance is so stiff and scary." 5. "I think anyone can figure this out."
Resources:1. Carrie Friedberg's Book: At Peace with Money 2. Financial Recovery Institute: (Mentioned Certification) 3. Financial Behavior Specialist Certification at Creighton University: (Mentioned Certification)
Tune in to this insightful episode as Amy and Carrie navigate the journey to financial understanding and empower you to take charge of your financial wellness. Follow "Money Roots" for more enriching discussions that bridge life events with dollars and cents.
About the Guest(s):Amy Irvine is the CEO and Founder of the Rooted Planning Group. She is a seasoned financial planner dedicated to delivering insightful and practical financial guidance. Amy has significant expertise in the areas of financial planning, investment strategies, and insurance, having made impactful contributions to the field through her work and educational endeavors. Her commitment to enhancing clients' financial literacy and planning is evident in her engagements and educational content, such as the Money Roots podcast.
Episode Summary:In this episode of the Money Roots podcast, Amy Irvine, CEO of Rooted Planning Group, explores the essential aspects of insurance planning. Building on a prior conversation about property and casualty insurance with expert Megan Dowd, Amy provides listeners with actionable insights to refine their understanding and management of insurance policies. This episode serves as a guide to discerning various types of insurance, aiding in wise decision-making to safeguard one's assets and enhance personal financial planning.
Amy dives deep into critical components of property and casualty insurance, including considerations for home, automobile, and specialty coverage like flood or earthquake insurance. Emphasizing the importance of evaluating risks, Amy encourages listeners to reflect on their liability exposure and coverage adequacy. The discussion extends to life, health, disability, and long-term care insurance, highlighting key factors such as deductibles, coverage types, and strategic planning for future needs. Incorporating SEO keywords like "insurance planning," "liability coverage," and "financial protection," this episode is a comprehensive resource for anyone aiming to fortify their financial resilience.
Key Takeaways:1. Understand the difference between actual cash value and replacement cost in property and casualty insurance for better asset protection. 2. Evaluate liability risks, especially if owning attractive nuisances like pools or trampolines, to adjust coverage accordingly. 3. Regularly review life and health insurance policies to ensure they align with current life situations and financial goals. 4. Consider specialty insurance options like umbrella policies or identity theft protection for comprehensive coverage. 5. Disability insurance and long-term care insurance are crucial for long-term financial security, requiring careful consideration of coverage terms and elimination periods.
Notable Quotes:1. "Pause for a moment and ask yourself, where are all the potential risks in my life?" – Amy Irvine 2. "Replacement value covers the cost to replace something at today's prices." – Amy Irvine 3. "Liability coverage is one of the most important components of an auto policy." – Amy Irvine 4. "Think about your future living arrangements, your caregiving preferences, your funding sources." – Amy Irvine 5. "These checklists can be incredibly valuable when reviewing your overall financial plan." – Amy Irvine
Resources:1. Rooted Planning Group: Rooted Planning Group Website for downloadable checklists and further resources. 2. WHAT ISSUES SHOULD I CONSIDER WHEN PURCHASING DISABILITY INSURANCE? 3. WHAT ISSUES SHOULD I CONSIDER WHEN REVIEWING MY HEALTH AND LIFE INSURANCE POLICIES? 4. WHAT ISSUES SHOULD I CONSIDER WHEN MY EXISTING LIFE INSURANCE POLICY? 5. WHAT ISSUES SHOULD I CONSIDER WHEN PURCHASING LONG TERM CARE INSURANCE? 6. WHAT ISSUES SHOULD I CONSIDER WHEN REVIEWING MY PROPERTY AND CASUALTY INSURANCE POLICIES? 7. Contact Emails: Reach out to the podcast team via moneyroots@rootedpg.com or info@rootedpg.com for inquiries or suggestions.
Ensure you listen to the full episode to enrich your financial knowledge and stay grounded in effective planning strategies. Keep an ear out for more insightful content in future Money Roots episodes.
About the Guest(s):Meaghan Dowd is a seasoned insurance expert with a deep passion for risk management and proactive financial protection. She began her career in the insurance brokerage industry, focusing primarily on high-end coverage solutions before transitioning to HolistaPlan, where she plays a pivotal role in advancing insurance analysis software. Meaghan's career is distinguished by her commitment to elevating advisors' capabilities in insurance planning, having successfully leveraged her expertise to help advisors integrate comprehensive insurance reviews into their client service models.
Episode Summary:Join Amy Irvine, CEO and founder of Rooted Planning Group, as she welcomes insurance specialist Meaghan Dowd to the Money Roots podcast for an enlightening discussion on the often-overlooked aspects of financial planning: protection products. In this episode, Amy and Meaghan explore the crucial role that home, auto, and liability insurance play in safeguarding one's assets and income. Meaghan shares her journey into the insurance industry, emphasizing the proactiveness of risk management and how crucial it is to have the right insurance policies in place to prevent financial disasters.
As the conversation unfolds, the focus shifts to the intricacies of insurance policies, from understanding the difference between replacement and actual cash value to recognizing the importance of stress-testing your insurance coverage. Meaghan outlines common oversights, such as disregarding liabilities attached to lifestyle choices, including pool installations, board memberships, and motorized vehicle ownership. The episode underscores how vital it is to maintain regular communication with your insurance agent and how choosing the right insurance partner can drastically affect the claims process and overall satisfaction. These insights promise to offer listeners practical guidance on ensuring they are adequately prepared for the unexpected.
Key Takeaways:1. Understanding the need for the right type of insurance coverage is essential for transferring risk and protecting both assets and income. 2. Differences between replacement cost and actual cash value can significantly impact claim payouts and should be carefully considered in policy selection. 3. Regularly reviewing and adjusting insurance policies to reflect lifestyle changes and potential liabilities can prevent inadequate coverage. 4. The choice of insurance company plays a crucial role in the claims experience and can ultimately influence both financial and emotional outcomes. 5. Engaging with your insurance agent annually can help align your coverage with any changes in your situation, providing peace of mind.
Notable Quotes:1. "Insurance is really planning ahead, where attorneys kind of wait for worst-case scenarios to happen." 2. "It's not just can the insurance write the check for us, but it's can they support me mentally?" 3. "You outgrow your coverages, and it might not be because you moved into a new home or bought a new car." 4. "Insurance is not a maintenance program. It is here for those losses that would financially devastate you." 5. "If you are a true collector and you love something, it's important to invest a little bit more so you don't feel that way after the loss."
Resources:1. HolistaPlan 2. Rooted Planning Group - Website
Listeners are encouraged to tune into the full episode for an in-depth look at these critical insurance considerations and to stay tuned for more insightful discussions on the Money Roots podcast.
About the Guest(s):Annalee Kruger: Annalee Kruger is the president of CareRight Inc., an organization she founded to provide comprehensive planning and concierge consulting services for families with aging loved ones. With a career spanning over three decades, Annalee is a seasoned social worker with experience in working in Continuing Care Retirement Communities (CCRCs). She has authored "The Invisible Patient," a book focusing on the emotional, financial, and physical toll on family caregivers. Annalee’s extensive expertise helps families develop proactive aging plans to avoid crises and maintain healthy relationships.
Episode Summary:In this insightful episode of Money Roots, host Amy Irvine welcomes Annalee Kruger to delve into the crucial topic of planning and caring for aging loved ones. The discussion centers on the complex challenges faced by families and caregivers in navigating the often confusing landscape of senior care. Annalee shares her expertise developed over decades in social work and aged care management, which she has now channeled into her role at CareRight Inc. Listeners will gain invaluable insight into the often misunderstood needs of elderly parents and the pressures faced by members of the "sandwich generation" caught between raising their children and caring for aging parents.
Annalee emphasizes the importance of proactive aging plans, detailing how her company uses comprehensive care matrices to aid families in making well-informed decisions. From understanding the implications of Medicare and Medicaid to choosing the right care community, Annalee underscores the significance of planning to avoid detrimental mistakes. She also touches on the emotional strain caregivers endure and provides strategies for balancing responsibilities while maintaining their well-being. Throughout the discussion, the need for effective family meetings facilitated by a neutral party is highlighted as a critical component in achieving harmonious care planning.
Key Takeaways:1. Having a proactive aging plan can prevent crises and improve outcomes for families and their senior members. 2. A comprehensive care matrix can save families time and money by identifying suitable care communities and necessary medical resources in advance. 3. The role of the family caregiver often introduces emotional, physical, and financial burdens that necessitate external support and recognition. 4. Effective family meetings led by a neutral third party, like Annalee, can help in bridging the gap between aging parents and their adult children, fostering better aging decisions. 5. The Guide Program introduced by Medicare offers additional support, though limited, for families with loved ones diagnosed with Alzheimer's or dementia.
Notable Quotes:1. "If I could catch these families in the infancy stages [of crises], it's so much better for them." 2. "They don't know what they don't know, and that's why they make incredibly outrageously expensive mistakes." 3. "No parent at the end of their life is like, 'Wow, I'm so glad I put my kids through the ringer.'" 4. "If this is interesting to those listening, reach out... Is it important for you to have a say in what happens to you as you age?" 5. "Put a plan together so that we prevent that from happening."
Resources:1. Annalee Kruger’s LinkedIn: Follow Annalee for ongoing insights into senior care. (No URL provided) 2. CareRight Inc.: Learn more about Annalee’s services for families with aging loved ones. Visit their website at CareRight Inc. 3. The Invisible Patient: Annalee's book is available on Amazon and Audible for those looking to understand the caregiver's perspective.
Listen to the full episode to explore more about navigating the complexities of caring for aging parents, gaining invaluable strategies to ease the caregiving journey, and planning ahead for potential healthcare needs. Stay tuned for more engaging content from Money Roots to keep your finances grounded and your future growing.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a renowned financial planning firm known for its genuine and practical approach to financial advice. With years of experience as a financial advisor, Amy is dedicated to making money conversations real and relatable, firmly rooted in her clients' goals. Her expertise in financial planning spans across various topics, including retirement and long-term care planning, caregiver coordination, and more. Additionally, she is the host of the popular "Money Roots" podcast, where she shares insights and engages in meaningful discussions about financial strategies and planning.
Episode Summary:Welcome to an insightful episode of "Money Roots" with Amy Irvine. In this episode, Amy delves into the crucial topic of long-term care planning and aging parents, addressing the concerns and questions that often emerge during the holiday season. As families gather, many realize the evolving caregiving needs of their elderly parents, and Amy offers valuable guidance on planning for these eventualities.
Amy references the book "Hidden Truths about Retirement and Long Term Care" to shed light on the misconceptions surrounding long-term care, emphasizing that it spans far beyond nursing homes. She explores alternatives like aging in place and assisted living, highlighting the importance of having a solid financial plan to cover these options. Amy also discusses how aging individuals often downplay their needs, sharing anecdotes that illustrate this tendency. Through stories and statistics, she underscores the significance of addressing both physical and mental well-being as families navigate the complexities of caring for aging loved ones.
Key Takeaways:1. Long-term care is more than nursing homes: It includes a spectrum of services, from home health care to assisted living, aimed at maintaining an individual's independence and safety. 2. Recognizing the signs of aging: Often the need for additional help becomes evident during family gatherings, making it essential to observe and address any caregiving requirements. 3. Communication is key: Having open discussions with aging parents about their needs and introducing help, sometimes with outside assistance, can facilitate smoother transitions. 4. Early planning eases future challenges: Documenting preferences and planning financially for long-term care can prevent future family disputes and emotional stress. 5. Utilizing resources: Books, experts, and structured programs are available to guide families through caregiving decisions and planning.
Notable Quotes:1. "Long term care is more than nursing home." - Amy Irvine 2. "Basically, the same age as maybe even older than some of the people that were in there, and she refers to them as the old people." - Amy Irvine 3. "We need to be thinking about their physical strength and their mental strength." - Amy Irvine 4. "She had such a great relationship with the caregiver that we ended up bringing in." - Amy Irvine 5. "We need to bring in outside influences to help them." - Amy Irvine
Resources:1. Rooted Planning Group 2. "Hidden Truths about Retirement and Long Term Care" - A recommended book for both financial advisors and individuals looking to understand long-term care planning. 3. AgingInvestor.com - A helpful website for additional resources on aging and long-term care planning.
For more in-depth discussions and insights, be sure to listen to the full episode of "Money Roots." Stay tuned for future episodes featuring expert guests who will provide guidance on planning effectively for life's anticipated and unanticipated financial challenges.
About the Guest(s):The episode is hosted by Amy Irvine, a financial expert and part of the Money Roots podcast team. Amy Irvine, along with her team, is dedicated to making financial conversations real, relatable, and oriented around personal goals. Although the transcript doesn't detail Amy's professional history, her knowledge and expertise in financial planning and investment strategies are evident throughout the episode. Her commitment to helping listeners understand and manage their finances optimally is demonstrated through her thoughtful advice and insights.
Episode Summary:In this insightful episode of the Money Roots podcast, host Amy Irvine walks listeners through essential financial actions to consider before the end of 2025. As the year draws to a close, the episode aims to equip the audience with practical advice to optimize their financial standing and prepare for future growth. Amy covers a breadth of topics, including asset management, tax planning, retirement contributions, and charitable donations, offering a wealth of information to guide listeners through pivotal year-end financial decisions.
Throughout the episode, Amy emphasizes the importance of strategically managing assets and debt. She discusses the potential benefits of realizing capital losses to offset gains and highlights how certain mutual funds could impact tax obligations. Capital gain distributions and estimated tax payments are also discussed, providing listeners with key insights on minimizing year-end tax liabilities. Moreover, the host delves into retirement planning strategies, advising on required minimum distributions (RMDs), conversions between traditional and Roth IRAs, and intra-plan conversions within 401(k) plans. Her recommendations aim to maximize retirement savings while minimizing potential tax burdens.
Key Takeaways:1. Realize capital losses to offset gains and consider potential capital gain distributions in taxable accounts. 2. Meet required minimum distributions (RMDs) for both personal and inherited IRAs before year-end to avoid penalties. 3. Evaluate opportunities for Roth conversions and strategic retirement contributions while considering future income levels. 4. Engage in tax planning by capitalizing on qualified charitable donations and understanding adjustments such as IRMAA. 5. Explore financial planning for education through 529 plans and business strategies like the QBI deduction.
Notable Quotes:1. "You can even write off up to $3,000 of ordinary interest if you have a capital loss totaling of 17,000." 2. "Make sure that you take that RMD before the end of the year. RMDs from multiple IRAs can generally be aggregated." 3. "If you are over 70 and a half, you can make what's called a qualified charitable donation from your retirement IRA account." 4. "Using those qualified charitable distributions can be a big help to reduce that adjusted gross income." 5. "Consider the financial aid planning strategies such as reducing income in specific years to increase financial aid packages."
Resources:What Issues Should I Consider Before The End of 2025 Checklist
We encourage your continued engagement with Money Roots by tuning into the full episode to benefit from Amy Irvine's expert financial guidance. Stay connected for more insightful episodes to keep your finances grounded and your future growing.
About the Guest(s):Maddy Roche - Maddy handles all marketing, growth, and prospect engagement for Childfree Trust® - the first nationwide medical and financial POA, executor and trustee representation service for the Childfree population. She understands the challenges of being Childfree as it relates to estate planning and is passionate about educating her community about ways to prepare.
Before joining Childfree Trust®, she was XYPN’s first employee and host of XYPN's podcast Behind the Advisor. In her previous roles as Vice President and Executive Business Coach, she helped build and lead the departments that deepen XYPN’s membership value.
Maddy has seen, heard, and helped thousands of financial planners throughout their entrepreneurial journeys with energy, expertise, and compassion.
Episode Summary:In this enlightening episode of Money Roots, host Amy Irvine is joined by Maddy Roche, Chief Growth Officer at Child Free Trust, for an in-depth discussion on a timely financial planning topic: estate planning for child-free individuals. Maddy's expertise comes to the forefront as they explore the common misconceptions surrounding estate planning for those without children, emphasizing the need for a structured plan to safeguard one's legacy. This conversation is critical for the 25% of Americans who lack children, whether by choice or circumstance.
The conversation delves into the innovative solutions offered by Child Free Trust, a groundbreaking initiative poised to fill the "fiduciary void" faced by child-free adults. By January, the organization will officially provide nationwide services as medical power of attorney, financial power of attorney, executor, and trustee, uniquely catering to the 15 million Americans over 55 without children. Amy and Maddy discuss the substantial need for such services and how the digital platform will facilitate critical information sharing across all 50 states, ensuring individuals have someone to rely on in times of medical emergencies, cognitive decline, or death. This episode shines a light on the future of estate planning, presenting options for those who previously had limited solutions.
Key Takeaways:* Child Free Trust offers the first nationwide estate planning service tailored for individuals without children. * Estate planning isn't just about preparing for death; it's also about emergency preparedness for medical situations and cognitive decline. * The service covers all 50 states, providing comprehensive solutions that include medical and financial power of attorney, executor, and trustee roles. * Many child-free individuals face the "fiduciary void," lacking a designated representative to act on their behalf amid emergencies. * Maddy emphasizes the importance of removing emotional biases in decision-making, opting for professional, impartial third-party services.
Notable Quotes:1. "A lot of people say, oh, it must be so easy to plan for estate planning purposes when you don't have kids. I'm like, yeah, like, who do you leave your stuff to? It's actually a big problem." – Amy Irvine 2. "There are 25% of Americans that don't have kids either by choice or by circumstance." – Maddy Roche 3. "15 million Americans over 55 don't have children. It's a huge market; it's a huge underserved market in so many ways." – Maddy Roche 4. "We really try to neutralize some of this ahead of time, and working with a planner like you can help." – Maddy Roche 5. "This takes that out and there's continuity, so it doesn't matter if there's any health events, there's that continuity of care that continues." – Amy Irvine
Resources:* Child Free Trust – Offering estate planning services tailored for child-free individuals. * XY Planning Network – Where Maddy Roche previously provided her strategic planning expertise.
The comprehensive insights provided by Amy Irvine and Maddy Roche in this episode of Money Roots highlight the critical importance of estate planning for child-free individuals. To gain a deeper understanding of this transformative service and its impact, be sure to listen to the full episode and stay tuned for more important discussions from the Money Roots podcast.
About the Guest(s):Amy Irvine is the CEO and a financial planner at Rooted Planning Group. With over 30 years of experience in the financial industry, Amy has dedicated her career to making financial planning accessible and relatable. Her approach is deeply personalized, focusing on the unique goals and values of each client, which she believes are essential to effective financial planning. Amy is committed to guiding her clients through financial literacy and helping them achieve their ideal financial futures.
Episode Summary:In this episode of the Money Roots podcast, Amy Irvine delves into the essential purpose and process of financial planning. She addresses common questions about why financial planning is worth undertaking and how it can profoundly impact personal finance decisions. Drawing from her extensive experience, Amy emphasizes the individuality of financial planning, asserting that its purpose is rooted in each person's unique goals and desires for their life, free from financial barriers.
Amy outlines the seven-step financial planning process as defined by the CFP Board, highlighting the importance of understanding personal and financial circumstances as a key component. The episode provides a deep dive into each step—gathering information, identifying goals, analyzing current actions, developing recommendations, and continuous monitoring. By doing so, Amy aims to demystify financial planning and encourages flexibility, acknowledging that goals can evolve and adapt over time. This adaptability represents the true purpose of financial planning: to provide a framework that flexes with life changes and helps individuals navigate their financial paths more confidently.
Key Takeaways:* Financial planning should be personalized to align with individual goals and values, ensuring it addresses what truly matters to the client. * The seven-step financial planning process serves as a guide to gain clarity on financial decisions and adapt to life changes. * Financial goals are not static; it's normal for them to evolve, and planners are there to help clients navigate these changes. * Discussing and analyzing different financial scenarios enables clients to choose optimal paths that resonate with their values, even if the optimal numerical solution is different. * Continuous monitoring and updating of the financial plan are crucial, as they accommodate life's changes and ensure the plan remains relevant and effective.
Notable Quotes:1. "Understanding the person is the key component to financial planning." 2. "The purpose of financial planning is the ability to actually be flexible if things change." 3. "Identifying and selecting goals doesn’t mean they’re written in stone." 4. "The most optimal recommendation isn't necessarily what you'll want to choose, and that's okay." 5. "The pivoting and the shifting, to me, is the true purpose of financial planning."
Resources:* CFP Board's Guide to the Seven Steps of Financial Planning Process
Encouraged by Amy Irvine's expert insights, listeners are invited to explore the full podcast episode to gain a complete understanding of the robust financial planning process. Stay tuned for further episodes of the Money Roots podcast, designed to keep your finances grounded and your future flourishing.
About the Guest(s):Paula M. Jones has been practicing law for almost 25 years. After a decade at large international law firms, she opened her own practice in 2016.
LinkedIn - Paula M Jones, Esq
Her domestic estate work includes wills, trusts, powers of attorney, living wills and beneficiary designations. She employs marital, residuary, disclaimer, dynasty, asset protection, grantor-retained annuity and intentionally defective grantor trusts, as well as family corporations to protect and preserve assets for many generations. She represents trustees and beneficiaries of trusts in trust-related matters. Her Orphans’ Court practice includes trust reformations, trust mergers and divisions, terminations, accountings and audits. She represents parties in negotiations to avoid fiduciary litigation.
Her work with international clients includes efficient planning in regard to U.S. estate and gift taxation, qualified domestic trusts, residency determinations, tax treaty applications, pre-immigration planning for non-resident aliens coming to the United States, expatriation tax planning for residents and citizens leaving the United States, administration of estates of foreign individuals with U.S. property and other related matters. She has represented many individuals in regard to foreign account and asset compliance issues.
Paula is currently an adjunct professor at Western New England University School of Law where she teaches International Estate Planning. She has guest lectured at Columbia University, Temple University School of Law’s Masters of Laws Program and Rutgers University School of Law. She lectures frequently for organizations such as the American Immigration Lawyers Association, Society for Human Resource Management and the American Bar Association, as well as local estate planning councils.
Paula has authored several articles in respected industry journals such as Trusts and Estates, AICPA’s Tax Advisor and the ABA’s Practical Tax Lawyer. In addition, she developed a workshop on estate planning basics, titled “Will Power: Wealthy or Not, Your Estate Matters.” The companion book was published by The Graduate Group.
Paula is admitted to practice in the State of New York, the Commonwealth of Pennsylvania, the State of New Jersey, the U.S. Tax Court and the U.S. District Court, Eastern District of Pennsylvania.
Episode Summary:In this episode of the Money Roots podcast, host Amy Irvine engages in an enlightening discussion with Paula Jones, the esteemed owner of Jones Estate Group. With a robust background in international and domestic estate law, Paula delves into the intricacies of cross-border estate planning. She offers valuable insights into the roles her firm plays in estate planning, particularly emphasizing the importance of having a qualified team comprising estate attorneys, financial planners, and immigration lawyers when considering dual citizenship or cross-border living.
Throughout the podcast, Paula addresses key issues associated with holding assets across different countries and the complex scenarios faced by individuals with multinational ties. Her discussion includes an exploration of residency determinations, tax treaty applications, and the vital significance of qualified domestic trusts in safeguarding assets. Paula’s practical advice caters to a growing audience interested in international living, offering concrete steps to ensure seamless estate planning while navigating diverse legal systems.
Key Takeaways:* Having a qualified team of advisors, including an estate attorney, financial planner, and immigration lawyer, is crucial for cross-border estate planning. * Qualified Domestic Trusts (QDOTs) are essential for non-citizen spouses to avoid hefty estate tax bills in the U.S. * The concept of residency for estate tax purposes is distinct from income tax residency and can vary significantly across international treaties. * Trusts may not be recognized by all countries, thus understanding local laws is vital to maintain estate planning efficacy. * Ongoing estate plan reviews are recommended every 3-5 years or after significant life changes, especially when acquiring assets in different jurisdictions.
Notable Quotes:1. "I'm part of the team, I'm part of the advisors team. They still need to work with an advisor, they still need to work with an immigration attorney." 2. "If you're a U.S. citizen and you decide to go live in Portugal somewhere, you still need to file your U.S. income tax return." 3. "People do all kinds of things and they move all kinds of, of places because they need family, a support system." 4. "It's reality and this is life. And, you know, I'm not going to feel bad because I'm not the first person someone decides to call." 5. "If you have a connection to another country, you can go ahead and elect that other law."
Resources: Jones Estate Group: Jones Estate Group Website * Western New England University School of Law: Western New England Law (Note: specific URLs are not mentioned in the transcript.) * LinkedIn - Paula M Jones, Esq*
Tune into the full episode to dive deeper into the nuances of international estate planning and to benefit from Paula Jones's extensive expertise. Stay connected with the Money Roots podcast for more insightful conversations that help keep your finances grounded and future growing.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm dedicated to fostering authentic money conversations that align with clients' personal goals. Amy has built a career around helping individuals define and achieve their concept of "true wealth," emphasizing financial literacy, personal insight, and strategic planning tailored uniquely to each client. Her collaboration with Money Quotient has further solidified her expertise in creating meaningful financial strategies.
Episode Summary:In this enlightening episode of Money Roots, Amy Irvine delves into the concept of "true wealth" and challenges the common perception of wealth being synonymous with material riches. Through her experiences, particularly a personal revelation during a hiking trip in the Adirondacks, Amy illustrates how determining what "enough" means is crucial for financial and personal well-being. She emphasizes the importance of identifying one's own tree line, the point where personal satisfaction equates to true wealth beyond the accumulation of material possessions.
Amy further explores the obstacles to financial freedom, citing incorrect money messages and lack of financial literacy as major hindrances. The episode underscores the significance of understanding personal money beliefs—often rooted in childhood experiences and societal influences—and encourages listeners to seek proper financial education. Amy suggests practical exercises and resources that can help listeners gain deeper personal insights and improve financial literacy. The episode also touches on the role of financial security in offering life options, stressing that real wealth is in aligning financial resources with personal values and life goals.
Key Takeaways: Defining True Wealth: True wealth is about recognizing and appreciating when you have enough, not merely the accumulation of more. * Money Quotient Partnership: Rooted Planning Group uses tools from Money Quotient to help clients align financial strategies with personal values. * Financial Freedom Obstacles: Identifying and overcoming common roadblocks such as misleading money beliefs and a lack of financial education is essential. * Influences on Money Beliefs: Personal financial values are heavily influenced by childhood experiences and societal norms. * Financial Literacy Exercises*: Engaging in thought-provoking exercises can provide valuable personal insights and enhance financial knowledge.
Notable Quotes:* "Everybody has that moment that they're like, yeah, this is enough. I don't need any more." * "Our culture has it at its core, the idea that more is better. Yet the underlying qualities that truly affect happiness are not advanced one wit by having more material things." * "True wealth is you've realized when your time is where you want it to be, your energy is where you want it to be, and the money that is needed towards reaching those goals is enough for you." * "Listening to the wrong money messages and lack of financial literacy are the two main obstacles to financial freedom." * "Money can buy options, and that's something that's really important."
Resources:* Rooted Planning Group * Money Quotient * "Everything You Know About Money is Wrong" by Karen Ramsey
Listeners are encouraged to dive into the full episode for more in-depth discussions and insights into defining personal wealth. Stay tuned for upcoming episodes that will further explore key financial topics, including a profound discourse on defining personal purpose.
About the Guest(s):Jaelyn Vickery is the founder of Dimensional Wealth, and the host of the F3 podcast, which stands for Financial Fitness Finesse. She is a licensed clinical therapist as well as a renowned financial therapist. Jaelyn has excelled in connecting the sometimes-complicated dots between food and finance, with a particular focus on consumer psychology. With a background as a collegiate athlete, Jaelyn combines her experiences in mental health and financial management to help clients explore their consumption patterns and emotional relationships with money. Her passion includes guiding people through the ‘C3 Cycle’—compulsion, consumption, and control—a method she developed to help individuals navigate their financial and emotional landscapes.
Episode Summary:Dive into an enriching conversation on Money Roots with Amy Irvine as she talks with Jaelyn Vickery, a multi-faceted expert in the field of financial therapy and mental health. As a founder of Dimensional Wealth, Jaelyn enlightens listeners on the intriguing intersection between food and finance, and how consumer psychology plays a crucial role in daily decision-making. With insights into both individual and collective financial behaviors, this episode will spark revelations on how listeners perceive and interact with money in their lives.
Jaelyn Vickery delves into key aspects of her methodologies such as the ‘5 Reps to Wealth’ to help achieve total well-being. Her approach incorporates the various dimensions of wellness, using them as tools to manage both financial and emotional challenges efficiently. From the importance of pausing to assess personal goals to understanding how emotions translate into financial decisions, this episode is packed with insights. Learn how the principles of financial therapy can support healthier money habits and emotional stability in culturally driven consumer societies.
Key Takeaways: Connection Between Food and Finance: Jaelyn draws parallels between food and finance, shedding light on how both aid in hitting pleasure points and are deeply embedded in survival instincts. * 5 Reps to Wealth Framework: This model incorporates eight dimensions of wellness, helping to create balance and abundance in one's personal and professional life. * C3 Cycle: Understand the compulsion, consumption, and control cycle, which aids individuals in recognizing and transforming unhelpful consumption habits. * Enoughism: Addresses the perpetual chase for more, illustrating the importance of defining ‘enough’ in personal and professional contexts. * Therapeutic Collaboration*: Discusses the synergy between financial therapists and advisors in addressing emotional and financial health.
Notable Quotes:1. "Money is just emotions disguised as numbers." 2. "Too often, we achieve so much on paper, but realize so many aspects of our lives have diminished." 3. "Life is not basic... the human experience is abundant and beautiful." 4. "What is right is actually within your own control of design." 5. "Working with me, you'll learn how to find those moments of pause very quickly."
Resources:* Jaelyn Vickery's Website: JVIC.com - Find services, resources, and contact information. * F3 Podcast - Hosted by Jaelyn, available wherever you get your podcasts. * Dimensional Wealth - Visit the company's site to learn more about their offerings
Listen to the full episode to gain exclusive insights into establishing a balanced and wealthy life by intertwining emotional well-being with financial stability. Stay tuned for more enlightening discussions on the Money Roots podcast.
Carl Richards started The Sketch Guy column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just cardstock and a Sharpie. The column ran weekly for a decade. This journey began when Carl applied for what he thought was a job as a “security guard,” only to find out the ad actually said “securities.” That slight misstep sparked a lifelong dedication to reshaping how we think about money.
Since then, Carl has become a Certified Financial Planner™, built and sold a successful investment firm, and spoken at financial and investment events worldwide—from Australia to South Africa, the UK, and major economic centers across Europe, Canada, and the United States. His bestsellers, The Behavior Gap and The One-Page Financial Plan, have been translated into over ten languages and continue to resonate globally.
Through his daily podcast, Behavior Gap Radio, which now has over 1,000 episodes and over one million downloads, Carl shares new perspectives on aligning our resources with what truly matters. His latest audio project, 50 Fires, backed by executive producers Chip and Joanna Gaines, explores the intersections of money and meaning with guests like Pete Holmes, David Whyte, Krista Tippett, and his favorite guest by far, his wife, Cori.
Carl founded The Society of Advice, a community of financial planners dedicated to the craft of advice. They gather for a monthly online workshop and frequent retreats in Park City, Utah.
In 2025, Carl will release a new book that, true to form, will be unlike anything seen in the personal finance section—and you better believe there will be sketches (101 of them, to be exact).
Pre-Order: Your Money: Reimagining Wealth in Simple Sketches
When he’s not exploring ideas about money, Carl, a Wilderness First Responder, can be found navigating Utah’s high mountain ridges on foot, skis, or bike. Married to Cori since 1995, they have four kids, whom they consider their best friends.
For information about Carl Richards speaking to your organization or appearing on your podcast, click here.
Episode Summary:In this special episode of Money Roots, host Amy Irvine welcomes Carl Richards, also known as the Sketch Guy of the New York Times. The discussion centers around Carl's innovative new book, which serves as both a financial guide and conversation starter, featuring 101 insightful sketches and essays about personal finance. Through this medium, Carl aims to encourage meaningful dialogue about money—a subject often avoided yet deeply impactful in our personal lives. From his unconventional start in finance to becoming an influential voice in financial planning, Carl’s journey is a testament to reshaping how people perceive and engage with money.
Throughout the conversation, Carl emphasizes the critical role of conversations in financial planning, advocating that understanding and clarity arise from dialogue. Amy and Carl delve into the book’s thematic sections, exploring how each segment—from mindset to wisdom—guides readers through an introspective financial journey. The podcast highlights Carl's aspiration to reduce global money-related anxiety and foster healthier relationships with finances. By aligning personal values with financial habits, Carl encourages readers and listeners alike to engage with the emotional complexities of money. This episode offers a fresh perspective on financial literacy, underscoring the transformative power of conversation and simplicity in understanding money matters.
Key Takeaways:* Carl Richards transformed complex financial concepts into simple sketches to facilitate understanding and conversation. * The book, featuring 101 sketches and essays, is designed to provoke meaningful discussions about money. * Key sections of the book include “Mindset,” “Stillness,” and “Wisdom,” helping guide users through the financial experience. * The ultimate goal of Carl’s book is to decrease the global anxiety surrounding money through improved financial dialogue. * Financial planning is most effective when it is conversational, helping clients align personal values with financial actions.
Notable Quotes:1. "I'm convinced that really good financial decisions happen in conversation." 2. "Your values are not at war; they're in conversation." 3. "There's something magic about especially the physical version of a book." 4. "The global anxiety around our money hasn't been getting better." 5. "I just want to lower the global anxiety around our relationship with money."
Resources:* Carl Richards' website * Books by Carl Richards: "The Behavior Gap" and "The One-Page Financial Plan" * "Behavior Gap Radio" - Carl Richards' podcast * Society of Advice - A community founded by Carl Richards for financial planners
Explore Carl Richards' engaging approach to financial planning in this episode, offering insights to deepen your understanding of personal finance. Stay tuned for more enlightening content from Money Roots, dialing into the heart of financial wisdom and growth.
Companies mentioned in this episode:
- New York Times
- Behavior Gap
- One Page Financial Plan
- 50 Fires
- Chip and Joanna Gaines
- Society of Advice
- Park City, Utah
- David White
About the Guest(s):Amy Irvine is the host of the podcast "Money Roots" and is a seasoned expert specializing in financial planning. Amy is known for her down-to-earth approach, making money conversations relatable and rooted in personal goals. Her expertise lies in designing a fulfilling financial life, especially focusing on retirement planning that aligns with one’s personal and emotional well-being. With a mission to educate and simplify complex financial topics, she aims to empower individuals to take control of their financial future.
Episode Summary:In this insightful episode of Money Roots, Amy Irvine delves into the intricacies of designing a fulfilling and meaningful life in retirement. Through an exploration of the traditional life phases of education, work, and retirement, Amy challenges listeners to think outside the box and consider a more integrated approach to their life's journey. Rooted in her financial expertise, she emphasizes the importance of lifelong learning, balanced living, and finding personal fulfillment beyond traditional career achievements.
Throughout the episode, Amy highlights the essential need for continuous learning, meaningful work, and rewarding leisure activities, promoting a holistic approach to retirement preparation. She references Richard Bowles's concept of the 'three boxes of life' and incorporates insights from Dr. Phyllis Moen of the Cornell Retirement and Well-being Study. This discussion encourages listeners to unbox their lives, balancing different facets such as intellectual pursuits, work passion, and leisure activities that resonate personally, thus crafting a retirement that is both satisfying and joyous.
Key Takeaways: Lifelong Learning: Retirement should be viewed as an opportunity for continued learning and personal growth, rather than a mere cessation of work. * Unboxing Life: Traditional phases of education, work, and retirement can be more fulfilling when integrated and balanced throughout life. * Personal Fulfillment: It's crucial to engage in activities during retirement that are personally meaningful and joyful, rather than just remaining busy. * Purpose and Leisure: Retirement offers a unique chance to redefine what leisure means to you, emphasizing activities that feel like a 'mini-vacation.' * Holistic Planning*: Consider all aspects of life, including intellectual, work, and leisure pursuits, to achieve a balanced and rewarding retirement journey.
Notable Quotes:* "The blessings for which we hunger are not to be found in other places or people." * "We have to learn to balance learning, work, and leisure in every stage of our lives." * "For some people, that is an exciting prospect and for others, it's a very frightening one." * "Make sure the things that you're doing not just in retirement obviously, but right now... are bringing meaning." * "Retirement planning should be a lifelong regime rather than a later life concession."
Resources: Cornell Retirement and Well-being Study: Insights by Dr. Phyllis Moen on planning a fulfilling retirement. * Richard Bowles's Three Boxes of Life*: A framework for understanding life phases.
Tune in to the full episode to delve deeper into Amy Irvine's unique perspective on crafting a fulfilling and balanced retirement. Stay connected for more enriching content on "Money Roots," where we help you keep your finances grounded and your future growing.
About the Guest(s):Amy Irvine is a seasoned financial advisor and the host of the "Money Roots" podcast. As a passionate advocate for holistic retirement planning, Amy leverages her extensive experience in financial advising to offer practical insights and strategies. Her focus spans beyond traditional financial security, embracing a wide view of retirement that includes health, relationships, personal growth, and community. She is known for helping clients design fulfilling retirements that are balanced across all facets of life.
Episode Summary:In the latest episode of "Money Roots," hosted by financial expert Amy Irvine, listeners are invited to explore the multifaceted nature of retirement planning. Amy emphasizes the importance of balance in designing a fulfilling retirement. Rather than focusing solely on financial security, Amy argues for a holistic approach that considers intellectual engagement, health, relationships, and personal growth. This episode is crucial for anyone preparing for retirement or reevaluating their current retirement lifestyle.
Throughout this insightful episode, Amy discusses the "wheel of life" concept, encouraging her audience to set retirement goals across various aspects of life such as leisure, healthcare, personal growth, and community involvement. Key elements of a balanced retirement are dissected, providing listeners with a roadmap to assess and align their personal priorities. She emphasizes that retirement, being the longest vacation of one's life, should be meticulously planned to embrace a balanced and purposeful lifestyle.
Key Takeaways: Holistic Retirement Planning: Retirement planning should encompass more than just financial security, factoring in health, relationships, personal growth, and intellectual pursuits. * Wheel of Life Approach: Amy introduces the wheel of life, which allows individuals to evaluate their engagement in various life facets, ensuring a balanced approach to retirement. * Setting Goals Across Life Facets: She stresses the importance of setting goals for intellectual engagement, productive pursuits, leisure, healthcare, and community involvement to ensure a fulfilling retirement experience. * Personal Growth and Engagement: Retirement is an opportunity for continued personal growth and learning, vital for maintaining intellectual sharpness and life satisfaction. * Redefining Retirement:* Whether you are approaching or revisiting retirement, it’s important to visualize and define what this stage should look like for personal fulfillment.
Notable Quotes:* "Money can act as a tool for achieving goals in other areas of life, but financial security alone cannot bring about happiness." * "Retirement is the longest vacation of our life. How do we want to spend that time?" * "Each part of your life contributes to the quality of the life that you experience." * "It's time to reevaluate, not just your financial portfolio, but your life portfolio as well." * "Visualizing retirement: What does retirement look like for you?"
Resources: Retirement Visualization Worksheets:* Amy provides listeners with worksheets to assist in visualizing their retirement goals. * Visualize Your Retirement * Personal Insights about Life Balance
Listen to the full episode to immerse yourself in the concept of balanced retirement planning and ensure your future is not only financially secure but also rich in personal fulfillment and growth. Stay tuned for more enlightening content from "Money Roots," where financial harmony and life satisfaction go hand in hand.
About the Guest(s):Amy Irvine is a seasoned financial planner and host of the Money Roots podcast. She is the founder of Rooted Planning Group, where she offers comprehensive retirement and financial planning services. Amy is known for her approachable and relatable style, making complex financial concepts accessible to a broad audience. Her focus on aligning financial strategies with personal goals helps clients navigate significant life transitions effectively.
Episode Summary:In this episode of Money Roots, hosted by Amy Irvine, the focus continues on retirement planning with part two of the Retirement Design series, exploring the crucial concepts of transition management. Amy discusses the "Three Rs of Successful Transitions": Resourcefulness, Resiliency, and Renaissance Spirit. These traits are essential for anyone navigating the uncertainties of retirement.
The episode delves into how each of these traits can be developed and nurtured to facilitate a smooth shift into retirement. Amy emphasizes that retirement is not just a financial change, but a social and personal one as well. Key aspects like the creativity of resourcefulness, the adaptability of resilience, and the enthusiasm of a Renaissance spirit are explored in-depth, with examples of how they manifest in real-life scenarios. The episode is a valuable guide for preparing emotionally and mentally for retirement's complex landscape.
Key Takeaways: The Three Rs: Understanding the essential traits of Resourcefulness, Resiliency, and Renaissance Spirit can help navigate life transitions, particularly retirement. * Holistic Planning: Retirement planning involves more than just finances; social and personal aspects play critical roles. * Real-life Applications: Examples and questions help listeners identify how they can apply these traits to past transitions and future planning. * Change Adaptation: Emphasizes the importance of flexibility and openness to change as constants in retirement planning. * Future Episodes*: Hints at future discussions on balancing life during retirement transitions in upcoming episodes.
Notable Quotes:* "Resourcefulness is about making the most of what we have and always looking for effective and creative ways to reach goals." * "Resiliency is the ability to bounce back from a loss, disappointment, or other difficult situations." * "A Renaissance spirit involves having a zest for life and learning, with diverse and in-depth interests pursued with wonder, adventure, and fun." * "Overcoming challenges and taking advantage of opportunities are key elements of a successful transition in retirement." * "Change is the only constant in our lives, and how we respond to it will profoundly affect the decisions we make."
Resources: Rooted Planning Group*: Website
For a deeper understanding of the important strategies discussed in this episode and how you can prepare for a fulfilling retirement, listen to the full discussion. Stay tuned for more insightful content from the Money Roots podcast series.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a dynamic organization focused on aligning financial planning with life goals. With extensive experience in financial advising, Amy has carved a niche for herself by integrating life design with financial strategy. A firm advocate for actionable and personalized financial planning, Amy is deeply involved with Money Quotient, where she assists individuals in bridging their life aspirations with their financial plans. She brings a wealth of knowledge and a unique perspective on retirement planning, promoting a holistic view that encompasses more than just financial stability.
Episode Summary:Join Amy Irvine, the visionary CEO of Rooted Planning Group, in this engaging debut of the "Retirement Design" series on Money Roots. This episode lays the groundwork for understanding how life's design intersects with financial planning, particularly as one approaches retirement. By leveraging her expertise and the insights from Money Quotient, Amy guides listeners to view retirement as a life phase that requires thoughtful preparation, far beyond financial readiness. This episode sets out to redefine the traditional perceptions of retirement, encouraging both current retirees and younger listeners to envisage a fulfilling life post-retirement.
The podcast episode delves into why planning for retirement needs to extend past monetary considerations. Amy Irvine shares statistics and demographics illustrating the longevity and societal shifts that beckon us to rethink retirement paradigms. One key assertion from Amy is that "life is about events supported by your dollars and cents." This episode of Money Roots is enriched with insights about retirement practice, longevity statistics, and transformative life in retirement. Amy introduces a guide/workbook for personal introspection on retirement, emphasizing the psychological transition into retirement as significantly as the financial aspect. Through her expert lens, Amy implores listeners to design their retirement life proactively, seeing it as a transition, rather than an end.
Key Takeaways:* Retirement should be designed proactively as a significant life transition, not merely a financial milestone. * Life expectancy has increased significantly, influencing the need for a broader retirement strategy that includes social networks and active lifestyles. * Practicing retirement in the year preceding actual retirement can aid in adjusting to new routines and discovering fulfilling activities. * A higher emphasis on personal development and social connections can enhance life satisfaction more than financial gains alone. * Retirement is a continuous design process, and individuals should remain flexible, allowing their plans to evolve and change as needed.
Notable Quotes:* "Life is about events supported by your dollars and cents." * "The older you get, typically the longer your life expectancy is." * "It's not just the size of your portfolio but the size of your social network that affects life satisfaction." * "Retirement should be thought of as a major life transition deserving thought and preparation in all areas." * "You get to design life in retirement...and you know what? It can change."
Resources:* Rooted Planning Group * Money Quotient * AARP Study: "Baby Boomers Look Forward to Toward Retirement"
Stay tuned for more insightful episodes in the "Retirement Design" series on Money Roots, where Amy Irvine will continue to offer practical exercises and thought-provoking insights to design a fulfilling retirement. Don't miss out on the upcoming parts of this series and keep striving for a balanced and enriched financial life.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm focused on providing personalized and strategic financial advice. With extensive experience in the financial sector, Amy has become a respected voice on issues related to retirement planning, particularly concerning the unique challenges faced by women. Her work emphasizes the importance of integrating financial goals with a client's holistic life vision.
Episode Summary:In this episode of "Money Roots," Amy Irvine delves into the intricacies of retirement planning with a particular focus on women's unique financial challenges and opportunities. Speaking from her experience delivering a session at a women's conference, Amy addresses the disparities in planning for retirement between men and women, spotlighting the importance of early preparation and proactive strategy adjustment. With a compelling call for envisioning a financially free future, Amy intertwines practical advice with empowering insights.
Throughout the episode, key topics include the gender pay gap's impact on savings, the significance of career breaks for caregiving, and the influence of longer life expectancies on financial planning for women. Discussions emphasize the importance of developing a comprehensive approach tailored to each stage of life—from young professionals to retirees and single women. Through data-driven observations, listeners are encouraged to rethink their approach to retirement by focusing on satisfaction, adaptability, and informed decision-making in financial strategies to ensure lasting security during retirement.
Key Takeaways:* Early engagement in retirement planning can alleviate uncertainty and ensure a financially secure future for women, who face unique career and financial challenges. * Women should be acutely aware of the gender pay and savings gap that can compound over a lifetime, affecting their long-term financial health and retirement readiness. * Utilizing a "Wheel of Life" to assess personal satisfaction across multiple life domains can guide effective planning towards a balanced and fulfilling retirement. * Different stages of life, such as young professionals, established families, and retirees, demand tailored financial strategies and targeted goals to maximize benefits and safeguard savings. * Women need to actively advocate for themselves in the workplace, recognizing and addressing factors like menopause and caregiving that may influence career progression and financial stability.
Notable Quotes:* "I've learned that making a living is not the same as making a life." – Amy Irvine * "Retirement is one of the longest vacations of your life, so it's critical to address it early." * "Women often face career breaks for caregiving, impacting both earnings and retirement savings." * "Sit with the word retirement and think about what emotions it brings—excitement, restlessness, fear—all can be present together." * "Women are great savers but often don't know what to do with the money. Investing wisely is key."
Resources: Rooted Planning Group*: Rooted Planning Group * Maya Angelou's quote on making a living versus making a life. * The Wheel of Life tool from Money Quotient for personal satisfaction assessment.
To gain in-depth insight into women's retirement planning and to learn practical strategies for various stages of financial life, tune in to this episode of "Money Roots." Stay updated with our podcast series for more enriching financial guidance and discussions.
Links referenced in this episode:
- moneyquotient.com
Companies mentioned in this episode:
- Rooted Planning Group
- Corning Community College
- Money Quotient
About the Guest(s):Amy Irvine is a seasoned financial planner and the founder of Rooted Planning Group. With years of experience in wealth management, Amy has been instrumental in guiding her clients towards financial success through strategic planning and personalized advice. Her passion for broadening the representation of women in financial planning has been a driving force behind her career. Amy is well-versed in creating inclusive, team-focused environments that emphasize holistic financial well-being.
Becky Eason is an integral team member at Rooted Planning Group, who began her journey as an intern and has grown significantly within the company. Equipped with a solid academic foundation and a strong desire to learn, Becky contributes to the operational and client-based aspects of the firm, showcasing her dedication to personal growth and team success.
Episode Summary:In this engaging episode of Money Roots, Amy Irvine offers a candid glimpse into the journey of her company, the Rooted Planning Group, from its formative years to its present-day status. Initially named Irvine Wealth Planning Strategies, Amy recounts the significance of renaming the firm to reflect its evolution and collaborative team dynamic better. Along with Becky Eason, Amy dives into the intricate process of building and sustaining a well-rounded business culture that not only supports growth but prioritizes emotional and personal development for both team members and clients.
Throughout the discussion, Amy emphasizes the importance of maintaining a balance between personal and professional life. Her reflections on time spent in Scotland highlight the necessity of mental breaks for rejuvenation and innovation. Amy underscores the critical role culture plays in team success, advocating for an environment where curiosity is encouraged and inclusivity is inherent. By sharing her experiences, Amy provides valuable insights for business owners and aspiring entrepreneurs looking to forge their paths with resilience and adaptability.
Key Takeaways: Emotional Impact of Rebranding: Amy describes the bittersweet emotions involved in changing her firm's name, reminiscent of a parent's feelings when their child leaves for college. * Team Dynamics and Growth: As the company grew, Amy recognized the need for a brand and culture reflecting teamwork and inclusivity, moving beyond a singular focus on her leadership. * Importance of Cultural Fit: Hiring decisions at Rooted Planning Group prioritize cultural fit and adaptability, ensuring a harmonious and effective work environment. * Balancing Work and Personal Life: Amy shares her strategies for creating personal space, emphasizing the importance of physical activity in providing mental clarity and creativity in business. * Inclusion and Well-being*: Acknowledging different perspectives is crucial, and Amy's approach to company culture includes ongoing conversations about personal and collective well-being.
Notable Quotes:1. "As we were growing... I learned that culture needs to be protected, and having the right people as part of the culture is so much more critical and important." 2. "We're one of those firms that, like, pivots. We pivot often." 3. "I very much enjoy being outdoors, and I really love when I'm walking up a hill." 4. "We can't talk about inclusion without talking about well-being." 5. "No journey is a straight line... being nimble, I think, is probably the number one characteristic important when you're a business owner."
Resources: Explore more about the Rooted Planning Group* and the financial services they offer on their official website.
Listeners are encouraged to explore the full episode for a comprehensive understanding of Amy Irvine's journey and insights into running a successful financial planning firm. Stay tuned for more enriching content from Money Roots, where money conversations are kept real, relatable, and rooted in your goals.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm tailored to providing holistic and innovative financial solutions. With over 20 years of experience in the financial industry, Amy has traversed roles across trust companies, the fiduciary sector, and a credit union’s investment management division. A graduate in accounting, she later received her bachelor's degree in financial planning and pursued further education to earn the CFP designation. Recognized for her expertise and commitment to client-centric service models, Amy is particularly passionate about helping Gen X professional women with complexity in their financial planning needs.
Kate Welker is a significant member of the Rooted Planning Group, closely working with Amy Irvine. Her professional journey is interwoven with Amy’s as they both have a history of academic and professional encounters. Kate interviews Amy, ushering a deep dive into Amy's entrepreneurial evolution.
Episode Summary:In this engaging episode of "Money Roots," Amy Irvine, the CEO and founder of Rooted Planning Group, flips the interview script as she becomes the focal point of an inspiring entrepreneurial chronicle. This special episode opens a window into Amy’s unique journey from her early days in accounting to establishing a transformative financial planning firm. Presented through an insightful dialogue with her colleague, Kate Welker, listeners are taken on a decade-long journey illustrating Amy's transition into entrepreneurship, characterized by resilience, strategic pivots, and a client-centric vision.
Embark on a captivating exploration of Amy Irvine’s professional voyage where she recounts her gradual shift from the corporate structure to founding Rooted Planning Group in 2015. Tapping into her diverse experience across trust companies and a credit union, Amy articulated a business model to serve underserved demographics, notably Gen X women. Her venture met challenges, particularly the financial strains and the emotional burdens of evolving her business in an industry heavily reliant on asset management. Through candid anecdotes, Amy sheds light on the lessons learned, the initial struggles, and the pivotal moments, ultimately paving the way for Rooted Planning Group's successful establishment and continued growth.
Key Takeaways:* Amy Irvine shares her transition from working within established firms to launching Rooted Planning Group and maintaining its client-centered approach to financial planning. * The initial years of entrepreneurship were marked by financial constraints and emotional struggles, where Amy and her family embraced a minimalist lifestyle to support the business. * The decision to charge a flat fee was made to cater to Gen X professional women, offering financial planning services without asset-based fees. * Amy stresses the importance of managing both the fear of failure and planning for potential success when launching a new business. * Key moments in Amy’s journey illustrate the necessity of resilience and adaptability in overcoming unexpected challenges and learning from diverse professional experiences.
Notable Quotes:1. "I loved what I did, but I didn't love how I was doing it." 2. "What's the worst that's going to happen? You're going to have to go get a job." 3. "We thought we had said enough side. But in reality, oh gosh, we really didn't." 4. "It forced me to go down this path of...actually starting her absolute own firm." 5. "I wanted this business model to succeed because I believed in it."
Resources:* Rooted Planning Group - Official website to learn more about the services offered by Amy Irvine's financial planning firm.
This episode provides invaluable insights into the entrepreneurial path of Amy Irvine, filled with real-life learnings and guiding reflections. To dive deeper into her story and explore part two of this fascinating interview, listen to the full episode and stay tuned for more from Money Roots.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group. With extensive experience in the financial planning industry, Amy is passionate about providing education that makes finance approachable and understandable. Her work focuses on helping individuals create and sustain healthy financial futures through diversified and balanced financial strategies. She is known for her engaging communication style and commitment to empowering listeners with practical, real-world financial advice.
Episode Summary:Join us in this enlightening episode of Money Roots, where Amy Irvine delves into the turbulent nature of recent financial markets, aptly titled "Whiplash." Recorded on April 16, 2023, Amy explores how the recent global trade tensions, particularly with China, have been affecting market stability and investor confidence. Highlighting the importance of a diversified financial portfolio, she balances the conversation between defensive and offensive strategies to navigate challenging economic climates.
In discussing financial strategies, Amy emphasizes the importance of maintaining a long-term investment horizon, explaining how portfolios tailored towards financial goals necessitate a balance between risk and opportunity. She stresses that while stock market volatility might be nerve-wracking, it also presents lucrative opportunities for patient investors. With a wealth of historical insights, Amy offers a deeper understanding of the current economic situation, providing listeners with tools to thrive financially despite market uncertainties. Her analysis is rounded off with actionable advice on leveraging market conditions to bolster one's financial strategy.
Key Takeaways: Diversification is Key: Amy emphasizes having a well-balanced and diversified portfolio to weather different market conditions. * Long-Term Perspective: Maintaining a long-term investment horizon helps mitigate short-term market volatility. * Opportunistic Investing: Volatility can provide attractive investment opportunities, underscoring the importance of being strategically prepared. * Financial Resilience: Balancing defensive and offensive financial strategies is crucial in uncertain economic times. * Market Historical Insight:* Understanding past market reactions to global events can aid in better financial planning and decision-making.
Notable Quotes:* "A winning strategy always requires a combination of both offense and defense." * "Periods of market uncertainty may be unpleasant, but they are also often the best time when asset price valuations are most attractive." * "The goal is not simply to grow a portfolio at the fastest, most volatile rate, but to have the highest possible probability of achieving your financial goals." * "By extending your time horizon by even just a few years, you can have a significant impact on the range of outcomes." * "Markets have weathered similar challenges in the past, and it’s crucial to maintain perspective as long term investors."
Resources: Rooted Planning Group:* Website * Volatility and Staying Invested Image
Dive into this important episode to enhance your financial acumen and stay engaged with Money Roots for more insightful discussions. Follow us on your favorite podcast platforms and social media channels to cultivate a thriving financial journey.
About the Guest(s):Amy Irvine
Amy Irvine is the CEO and founder of Rooted Planning Group, a firm dedicated to providing personalized financial planning advice. With years of experience in the financial industry, Amy has established herself as an expert in guiding individuals and businesses through complex financial landscapes. Her work focuses on practical and sustainable financial strategies, emphasizing the long-term growth potential of her clients' financial futures. Amy is a sought-after speaker and educator in financial planning, known for her approachable and educational insights into personal finance and economic cycles.
Episode Summary:Dive deep into the intricate world of financial planning in this compelling episode of Money Roots. Join host Amy Irvine as she unveils the often-overlooked importance of business cycles and their influence on personal finance strategies. With economic uncertainty looming, now is the perfect time for a refresher on the fundamentals that underpin our financial decisions. Amy shares her expert insights on how to navigate market fluctuations and make informed choices, whether you're an investment novice or a seasoned financial planner.
This episode begins by defining the business cycle and its phases—expansion, peak, contraction, and trough—and how these stages relate to economic indicators like GDP and unemployment. Amy emphasizes the challenges of timing these cycles, comparing them to market cycles, which often react prematurely based on investor sentiment and other factors. The episode masterfully utilizes SEO keywords such as "financial planning," "business cycles," "economic indicators," and "market cycles" to provide a wealth of knowledge and practical advice for maintaining financial stability through economic highs and lows.
As the discussion progresses, Amy provides a comprehensive guide on maintaining a robust financial plan amidst market volatility. Key strategies include maintaining a long-term perspective, regular portfolio rebalancing, adjusting expectations based on economic phases, and building an emergency fund. Amy underscores these points with impactful quotes about the inevitability of economic downturns and the advantages of well-constructed portfolios. This episode serves as an indispensable resource for anyone looking to enhance their financial literacy and secure their financial future in uncertain times.
Key Takeaways: Understanding Business Cycles: Learn about the four phases of the business cycle—expansion, peak, contraction, and trough—and how they affect economic conditions and financial planning. * Distinguishing Business and Market Cycles: Understand the key differences between business cycles and market cycles, including their frequency and volatility. * Financial Planning Strategies: Discover practical tips for maintaining financial stability, like portfolio rebalancing and having an emergency fund. * Long-term Perspective: Emphasize the importance of focusing on long-term financial goals rather than reacting to short-term market movements. * Portfolio Resiliency:* Appreciate the benefits of diversifying portfolios to withstand different economic conditions while avoiding excessive risk.
Notable Quotes:* "Recognizing this distinction allows us to focus on the aspects of our financial lives where our decisions truly matter." * "Trying to be precise about timing the business cycle is just very challenging." * "Short-term market movements often appear as mere blips when viewed over decades." * "Financial plans should take into account the fact that downturns are absolutely going to happen." * "Market and business cycles are a natural part of investing experience."
Resources: Rooted Planning Group:* Website (URL not explicitly mentioned in the transcript)
Embark on this enlightening episode to gain a comprehensive understanding of how economic trends impact your financial journey. Listen, learn, and prepare to thrive in both stable and uncertain economic times. Don't forget to subscribe to Money Roots for more insightful discussions on personal finance.
About the Guest(s):Amy Irvine
Amy Irvine is the CEO and founder of the Rooted Planning Group, a financial planning firm dedicated to helping individuals and families cultivate a thriving financial future. With extensive experience in the finance industry, Amy is a respected voice in personal finance, often highlighted for her unique insights and practical advice aimed at improving financial literacy. As a passionate advocate for financial equality, she frequently contributes to discussions on contemporary financial issues, especially those impacting women.
Episode Summary:In this insightful episode of Money Roots, host Amy Irvine delves deep into the intertwined history of women and money, while also exploring foundational concepts of the money supply. Released during Women's History Month, this episode provides a timely reflection on how historical gender biases have shaped financial opportunities and challenges for women over centuries. From elucidating the definitions of M1, M2, and M3 money supplies to detailing landmark legislative changes that aimed to rectify gender-based financial inequalities, Amy delivers a wealth of information meant to empower and educate listeners.
Throughout the episode, Amy Irvine sheds light on the significant historical milestones that have shaped women's financial rights and opportunities. With a nod to landmark legislation such as the Married Women’s Property Act and the Equal Credit Opportunity Act, listeners are guided through two centuries of evolution in women's financial rights. Highlighting the persistent wage gap, which has seen stagnant improvement since 2003, Amy calls for continued education and advocacy, emphasizing the role of allies in supporting financial gender equality. By understanding the past, Amy believes, we pave a clearer path for a future where financial parity can be realized.
Key Takeaways: Understanding Money Supply: Amy introduces listeners to the basic concepts of money supply, categorized into M1, M2, and M3, explaining their roles in economic growth and inflation. * Historical Gender-Based Financial Inequality: The episode tracks the timeline of female financial rights, revealing the extent of historical discrimination that women faced in terms of property ownership, credit access, and professional opportunities. * Legislative Milestones: Key legislative acts such as the Married Women’s Property Act and the Title IX are highlighted, portraying their impact on women's rights and financial autonomy. * The Persistent Gender Wage Gap: Despite progress, there remains a significant gap in earnings between women and men, citing statistics that reveal women earn approximately 85% of what men do. * Call to Action for Financial Equality:* Encouragement is given to allies—parents, partners, and friends—to support women in achieving financial literacy and independence.
Notable Quotes:* "The reason that I'm bringing this up is because we've been having a lot of conversations with people about money supply in general." * "If you can't vote, you have no say over what does and doesn't happen to you." * "So technically, women at that point in time, if they got pregnant prior to that, you could lose your job, you could lose your way of supporting yourself." * "There's still a lot that we need to do to continue to bring parity to the way that women earn money, get paid, our relationship with money, all of that." * "For Women's History Month, if you have a daughter, if you have a niece, if you have a wife, support her in the way that, you know, promotes this continued direction towards parity of pay."
Resources: Rooted Planning Group: Website * Smart Money Mamas*
Tune in to this episode of Money Roots for an in-depth exploration of women’s financial history and achieve a better understanding of how these issues continue to shape today’s financial landscape. Remember to subscribe for more enriching content that helps nurture your financial roots.
About the Guest(s):Dr. Brett Dick is a specialized physical therapist and the founder of Limitless Performance Physical Therapy located in Big Flats. He obtained his degree from the University at Buffalo and developed a unique approach toward physical therapy by establishing his own clinic. Brett focuses on delivering personalized care, primarily helping active adults, gym-goers, and runners. His work centers around addressing the root causes of physical issues and avoiding unnecessary surgeries through preventative care. Brett also regularly conducts sports-related clinics, reinforcing his commitment to a holistic view of health and fitness.
Episode Summary:In this engaging episode of Money Roots, host Amy Irvine sits down with Dr. Brett Dick, an accomplished physical therapist and the founder of Limitless Performance Physical Therapy. They dive into a crucial yet often overlooked aspect of personal finance—medical expenses related to physical health. By applying preventative measures in physical therapy, individuals might significantly reduce or even avoid costly surgeries and extended recovery periods. This episode guides listeners through understanding the financial and health benefits of proactive physical therapy.
Throughout the conversation, Dr. Brett Dick dismantles the conventional perceptions of physical therapy, emphasizing the importance of identifying and treating the root causes of physical discomfort. With an individualized approach, Brett discusses how active listening, careful evaluation, and specifically tailored exercises can lead to better health outcomes. This proactive method not only improves quality of life but also provides substantial economic benefits by potentially reducing the need for more invasive medical procedures. Listeners are encouraged to consider physical therapy not just as a post-surgery step, but as a vital component of overall health management.
Key Takeaways:* Aim to address the root cause of physical issues to potentially avoid unnecessary surgeries. * Engaging in preventative physical therapy can yield both health and financial benefits. * Limitless Performance Physical Therapy offers a unique, personalized approach, diverging from the traditional PT model. * Initial sessions focus on understanding and evaluating the problem for tailored treatment plans. * Physical therapy can be integral to maintaining quality of life and minimizing long-term healthcare costs.
Notable Quotes:* "Addressing the whole body and figuring out where those weak links are, what muscles are weak and different areas, and fixing that could definitely be a huge game-changer." * "Being proactive about it is way better." * "Working with someone else because there's two or three people I'm working with in an hour time slot." * "I always do a phone consult, talk to them for like 15 minutes about what's going on before they even come in." * "You can definitely save like thousands of dollars by avoiding having a surgery."
Resources: Limitless Performance Physical Therapy*: Explore more about Dr. Brett Dick's clinic and approach through their website and social media platforms. * Connect with the podcast and Rooted Planning Group on their social media platforms: Facebook, LinkedIn, and Instagram for regular updates and resources.
Don't miss this insightful episode of Money Roots, where traditional finance meets health to transform how we perceive personal and financial wellness. Listen now to explore how physical therapy can be a smart, proactive investment and stay tuned for more enlightening conversations!
About the Guest(s):Amy Irvine
Amy Irvine is a renowned financial expert and the host of "Money Roots," a podcast dedicated to demystifying personal finance. She has a background in financial planning and is the founder of Rooted Planning Group, an organization committed to helping individuals build secure financial futures. Amy's approach is warm and inviting, making complex financial topics accessible to listeners of all levels. Her passion for teaching and empowering people on their financial journeys is the beating heart of the "Money Roots" podcast.
Episode Summary:In this heartfelt episode of "Money Roots," host Amy Irvine addresses the sensitive topic of dealing with the financial implications following the loss of a loved one during the month of February—a month typically associated with love due to Valentine's Day. She offers guidance on navigating the intricate financial decisions that arise after such a loss, recognizing the unique emotional and logistical challenges of this time.
Listeners are guided through key aspects of managing finances amidst grief. From understanding social security and pensions to handling estate taxes and investment accounts, this episode serves as an essential guide for those who find themselves in the difficult position of managing these necessities. Amy presents two detailed checklists to help listeners through the complexities of estate and cash flow management, ensuring that important decisions are made thoughtfully and without haste.
Key Takeaways:* Grief can complicate financial decision-making; delaying major financial choices for at least a year after a loss is advisable. * Evaluating cash flow is crucial; assess whether adjustments to social security and pension distributions are needed. * Estate settlement requires attention to asset transfers, potential estate taxes, and ensuring that all accounts are properly managed. * Consider digital and physical assets, including any unclaimed property, and protect against identity theft by closing the accounts of the deceased. * Awareness of potential scams during vulnerable times is crucial, especially in months like February, when emotions might run high.
Notable Quotes:* "February is full of flowers and love, but for some, it's a painful reminder of loss." * "We cannot, we do not make the best financial decisions when we are struggling with emotional feelings." * "Do not make any major decisions the first year after somebody passing away, especially if it’s your spouse." * "If your parent was a veteran, there may be some death and burial benefits or survivor pensions that need exploring." * "Be cautious and careful; this is when we also see a bunch of scams happen."
Resources:Documents referred to in this episode:
- What Issues Should I Consider If My Parent Passed Away
- What Issues Should I Consider If My Spouse Passed Away
Rooted Planning Group - The sponsor of the show, specializing in financial planning and guidance. Find more resources on their website or follow them on social media.
- Facebook: Rooted Planning Group
- Instagram: @rootedpg
Tune in to this episode of "Money Roots" for valuable insights into coping with the intersection of grief and financial responsibilities. Subscribe to stay updated with more enriching content that supports your financial growth journey.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a financial planning firm dedicated to helping clients cultivate a prosperous financial future. With years of experience in the industry, Amy brings a wealth of knowledge and insight into financial planning, investments, and economic trends. Her dedication to providing approachable and actionable financial advice has made her a respected authority in the field.
Episode Summary:In this insightful episode of Money Roots, host Amy Irvine unpacks the financial events that marked the beginning of the year with a keen focus on January's market volatility and policy shifts. With over two decades of financial expertise, Amy shares her thoughts on how the Trump administration's new tariffs, advancements in artificial intelligence, and the Federal Reserve's decisions are shaping the economic landscape. She stresses the importance of remaining calm and focused on long-term financial goals to weather these uncertain times.
Listeners interested in current financial trends and policy impacts will find this episode valuable. Amy delves into how the S&P 500, NASDAQ, and Dow Jones saw varied impacts from recent economic activities, highlighting the significance of technological and trade policy changes. The discussion extends to the Federal Reserve's decision to pause rate cuts, reflecting an effort to stabilize the economy amid persistent inflation concerns. With SEO-optimized insights on tariffs, AI disruptions, and market dynamics, this episode is a must-listen for anyone aiming to stay informed about personal finance amid global economic fluctuations.
Key Takeaways:* Financial markets showed a positive yet volatile start in January, driven by major policy changes and technological advancements. * Recent tariffs introduced by the Trump administration target key trading partners, adding to global economic uncertainty. * Advancements in AI technology, especially by the Chinese company Deep Seq, are causing shifts in technology stocks and the broader market. * The Federal Reserve's decision to pause rate cuts highlights a cautious approach amid steady economic growth and persistent inflation. * Staying disciplined in financial planning is crucial during these volatile times to achieve long-term financial goals.
Notable Quotes:* "All you need is love and a good financial planner." * "Technological developments matter for all investors, not just those focused on tech stocks." * "Tariffs have created uncertainty around the global trade relationship, inflation, and economic growth." * "Ultimately, tariffs were a means of negotiating new trade deals." * "Staying disciplined will only grow in importance with investor attention focused on implications and implementation of the new administration policies."
Resources:* Connect with Amy Irvine through Rooted Planning Group's social media channels on Facebook, LinkedIn, and Instagram. * Pay attention to market updates and newsletters by subscribing to Money Roots wherever you get your podcasts.
Dive into this enlightening episode of Money Roots to understand the significant financial trends and strategies that can help you navigate the current economic landscape. Stay tuned for more insightful content and expert guidance in future episodes.
About the Guest(s):Amy Irvine is the host of the "Money Roots" podcast and a distinguished financial planner known for her insightful approach to personal finance. As the founder of Rooted Planning Group, Amy has built a reputation for helping individuals and families cultivate sustainable financial futures through personalized planning and financial education. Her passion for demystifying finance is evident in her thoughtful, relatable podcast episodes. Amy holds various certifications and has been recognized for her expertise in aligning financial planning with personal values and satisfaction.
Episode Summary:In this engaging episode of "Money Roots," Amy Irvine delves into the intricacies of achieving financial satisfaction and aligning spending with personal values. Emphasizing the importance of reflecting on lifestyle choices and their financial impact, Amy introduces an innovative tool designed to gauge an individual's satisfaction across various life aspects. She encourages listeners to explore their habits, motivations, and the true fulfillment they gain from their financial activities.
As the episode unfolds, Amy discusses concepts like lifestyle creep and how it can disrupt financial satisfaction if left unchecked. Through the strategic use of a satisfaction-measuring exercise, Amy guides listeners in connecting the dots between their satisfaction levels in areas such as family, health, work, and finances, and their monetary decisions. The episode is rich with practical advice and introspective practices, making it a valuable listen for anyone looking to enhance their financial well-being in 2025 and beyond.
Key Takeaways:* Understanding financial satisfaction involves analyzing whether your spending aligns with your core values. * Lifestyle creep can change financial satisfaction; awareness and reflection are key to addressing it. * A tool introduced by Amy helps visualize satisfaction across various life areas, promoting informed financial planning. * Personal growth in financial planning can be as unique as putting together pieces of a jigsaw puzzle. * Exploring obstacles can help overcome barriers to achieving financial and personal satisfaction.
Notable Quotes:* "The first step in changing a habit is actually identifying the habit." * "When developing each individual's financial plan, it's like putting together a jigsaw puzzle." * "This exercise gives you some of that guidance internally." * "Are your dollars matching your values?" * "Sometimes the obstacle is here, not here."
Resources:* Rooted Planning Group: rootedpg.com (As mentioned in the transcript) * Money Roots Podcast: Available on Facebook, X, LinkedIn, and Instagram for more personal finance resources.
To uncover more insights into aligning your financial actions with personal satisfaction, don't miss the chance to listen to the full episode of "Money Roots." Stay tuned for more episodes that promise to guide you through your financial journey with clarity and confidence.
About the Guest(s):Amy Irvine
Amy Irvine is the CEO and founder of Rooted Planning Group, a leading firm dedicated to providing excellent financial planning services. With over two decades of experience in the financial sector, Amy is renowned for her ability to make the complex world of finance accessible to everyone. Her mission is to empower individuals and families to achieve financial satisfaction and well-being. Amy’s innovative approach focuses on growing financial knowledge alongside personal satisfaction, and she is a frequent speaker at finance conferences and workshops.
Episode Summary:* Take the Survey: https://members.moneyquotient.com/s/PwgOG5bL160r6qo2/aExX4k5B9YDpq2oy
Happy New Year! In this inaugural 2025 episode of Money Roots, Amy Irvine, founder of the Rooted Planning Group, introduces listeners to the concept of financial satisfaction rather than typical resolution-setting. Aimed at improving financial well-being, this show encourages reflecting on financial contentment and areas for growth. With Amy’s expert insights, listeners of every financial background will find practical strategies to elevate their financial knowledge and satisfaction.
In this episode, Amy dives deep into the importance of identifying areas of financial satisfaction and dissatisfaction. By leveraging a financial satisfaction survey, listeners can pinpoint where they stand in their financial journey and implement actionable steps for improvement. Emphasizing incremental progress, Amy proposes a reflection-focused approach for managing finances, encouraging listeners to engage in purposeful discussions about financial priorities with loved ones or partners. Discover the tools to plant seeds of financial knowledge and nurture a thriving financial future in the new year.
Key Takeaways:* Begin the new year by assessing your financial satisfaction to guide future financial decisions. * Utilize the financial satisfaction survey tool to identify strengths and areas for improvement in your financial life. * Engage in meaningful financial conversations with partners to align satisfaction levels and priorities. * Prioritize reflection on your financial journey at regular intervals to track growth and satisfaction. * Embrace small, incremental steps to improve financial satisfaction rather than drastic changes.
Notable Quotes:* "Let me start with moving the level of satisfaction just a little bit, not trying to completely reset my satisfaction with my finances." – Amy Irvine * "Experiences you have throughout the year can bring about new thoughts, ideas, concerns, and perspectives on your financial lives." – Amy Irvine * "Is there anything that could get it from that 4 to a 5? And maybe a 4 is great and you're one of those people that never achieves fives on things? Perfectly fine." – Amy Irvine * "Do you have any ideas what would have helped increase those levels of satisfaction in those areas?" – Amy Irvine * "We hope that you found this tool and many more to come as the year goes on to be very helpful." – Amy Irvine
Resources:* Rooted Planning Group – Learn more about Amy Irvine's company and the financial satisfaction survey tool mentioned in the episode. * Take the Survey: https://members.moneyquotient.com/s/PwgOG5bL160r6qo2/aExX4k5B9YDpq2oy
Join us in this enlightening episode to kickstart your financial journey towards satisfaction this year. Equip yourself with insight and actionable strategies that will empower you to grow your Money Roots. Stay tuned for more future episodes packed with personal finance advice and inspiring stories.
About the Guest(s):Kerrie Beene is a knowledgeable financial advisor with a focus on assisting clients in understanding complex economic matters and their real-world effects. With a strong background in finance and investment management, Kerrie has established herself as an invaluable resource for individuals seeking to make informed decisions regarding their personal and familial financial strategies. She emphasizes the importance of balancing long-term financial goals with short-term economic considerations.
Episode Summary:In this insightful episode of Money Roots, hosts Amy Irvine and her guest Kerrie Beene delve deep into the pressing topic of tariffs and their potential impact on both personal finance and the global economy. This discussion is timely, as the new administration under President-elect Trump considers increasing tariffs on goods from Canada, Mexico, and China. The conversation aims to provide listeners with clarity on how these proposed changes could influence household expenses and investment portfolios.
As Kerrie Beene helps unpack the implications of potential tariffs, she explains how these policies could affect core goods and the broader market landscape. The conversation touches on key issues like increased consumer costs, political strategies behind tariffs, and how past tariff implementations provide valuable lessons. Kerrie highlights the delicate balance required in managing both personal finances and investments in light of shifting economic policies. The episode offers valuable insights into understanding risk tolerance, diversifying investments, and keeping a long-term perspective amidst political change.
Key Takeaways:* Tariffs on goods from countries like Canada, Mexico, and China can significantly influence consumer costs for core goods and have varying impacts on personal finances. * Understanding the political motivations and negotiating tactics behind tariffs is crucial for assessing their potential economic impact. * Diversification in investments, including a mix of domestic and international stocks, is essential for mitigating risks associated with trade policy changes. * Risk tolerance should be reassessed in light of changing economic policies, maintaining a focus on long-term goals amidst short-term market fluctuations. * Decision-makers must navigate a complex landscape that involves managing interest rates and balancing economic growth with trade negotiations.
Notable Quotes:* "One thing that I do think it's interesting is how some of the very specific tariffs that have came up in the recent years... you get to the other side of them and then, okay, well, this is on negotiation, washing machines and solar panels." – Kerrie Beene * "I think moving forward, again, back on my balance word, I think really understanding how you're invested and is it in alignment with your long-term goals." – Kerrie Beene * "It's not one thing ever that does anything to the economy. Right. It's all these moving parts that does something." – B * "As far as like when people ask me what do you think this will go do to the economy, it's not one thing ever that does anything to the economy." – B * "But I would say keeping a long-term perspective with maybe some short-term thoughts and education around how you're going into 2025." – Kerrie Beene
Resources:* Learn more about Rooted Planning Group by visiting their website.
For a deeper understanding and additional insights into managing your personal finances in light of current and future economic policies, be sure to listen to the full episode. Stay tuned for more engaging discussions on Money Roots to continue growing your financial acumen.
About the Guest(s):Heather Meehan is an experienced Resource Coordinator with the New York Unified Court System, working primarily in Steuben County. Heather's professional journey in the substance use disorder field began in 2006, shortly after obtaining her bachelor's degree in psychology from Alfred University. She is a licensed CASAC with years of experience stemming from working as a counselor in different levels of treatment settings, and most recently, has taken that experience to work in the court setting.
Episode Summary:In this engaging episode of Money Roots, host Amy Irvine welcomes Heather Meehan, her sister-in-law and a dedicated Resource Coordinator, to explore career paths within the realm of substance use disorder. This episode delves into the rewarding yet challenging aspects of working in addiction therapy, while offering listeners an insightful look into what it means to be a Resource Coordinator in the court setting. Heather shares her career trajectory, personal motivations, and the impact that her work has had on individuals and society.
As the conversation unfolds, Heather discusses the steps involved in becoming a credentialed alcohol and substance abuse counselor (CASAC) and the continuous learning required to maintain this credential. The dialogue further explores the transformative power of addiction therapy not only on the individuals who receive treatment but also on their families and communities. Throughout the episode, the financial implications of addiction and recovery are highlighted, along with the significant advantages that recovery brings in terms of personal and societal health. Heather's experiences make a compelling case for those interested in pursuing a career in this vital field.
Key Takeaways:* Addiction therapy is a challenging yet rewarding profession that requires empathy, dedication, and continuous education. * Heather emphasizes the importance of a non-judgmental approach to counseling, focusing on helping clients recognize their positive qualities and potential for change. * Becoming a credentialed substance abuse counselor (CASAC) involves rigorous training hours, supervision, and testing. * The financial implications of addiction are significant, and successful recovery can lead to improved personal and societal productivity. * The episode encourages those interested in career transitions to explore addiction therapy and provides resources for getting started in the SUD (substance use disorder) field.
Notable Quotes:* "Just because they have an addiction or a substance use problem, it doesn't mean they're not good people and they're not worth a better life." – Heather Meehan * "Nobody would ever want to choose to be an addict or an alcoholic or a person with a substance use disorder." – Heather Meehan * "Anytime you're working with people that are considered a vulnerable population, you need to be on your best game." – Heather Meehan
Resources:* OASAS.NY.gov – New York State Office of Addiction Services and Supports website for accessing addiction treatment resources and credentialing information. * Samhsa.gov - Informational website for SUD and mental health treatment.
Listeners are encouraged to delve into this enlightening episode to gain a deeper understanding of the field of addiction therapy and the transformative impact it can have. Be sure to subscribe to Money Roots for more insightful discussions and resources aimed at helping you thrive financially and personally.
About the Guest(s):Kerrie Beene is the Chief Investment Officer and a CERTIFIED FINANCIAL PLANNER™ at Rooted Planning Group. With an extensive background in finance and investment strategies, Kerrie brings valuable insights into market trends and personal finance management. She is dedicated to simplifying complex financial concepts for individuals, guiding them toward achieving their financial goals.
Episode Summary:Welcome to this insightful episode of Money Roots, where your host Kerrie Beene delves into the dynamics of today's financial market as we inch closer to 2025. This episode is pivotal for anyone interested in understanding inflation trends, interest rate movements, market performance, and the consequences of economic volatility on personal finance. With her extensive expertise, Kerrie provides actionable steps for listeners to adapt and thrive in ever-changing financial conditions.
In this episode, we explore current market scenarios with a deep dive into the upcoming Consumer Price Index (CPI) report, due December 11th, critical for gauging inflation. Kerrie unravels the complexities of core CPI and its implications on everyday expenses like groceries and rent. Additionally, the episode anticipates the Federal Reserve's meeting on December 17th-18th, discussing potential interest rate adjustments that could steer financial strategies. The dialogue enriches your understanding of stock valuations, recent market rallies, and the prospect of market valuation staying above average, offering a long-term investment perspective in the face of market fluctuations.
Key Takeaways: Inflation Concerns: Understand the current trends in inflation and how they may affect personal spending and planning. * Interest Rate Insights: Explore the potential impacts of continued Federal Reserve actions on borrowing costs and investment opportunities. * Market Performance: Learn about the recent gains in stock indexes and the effects of tech stocks leading rallies. * Investment Strategy: Insightful advice on maintaining balanced portfolios by knowing risk tolerance and setting long-term goals. * Risk Management:* The importance of a robust emergency fund to navigate through economic volatility.
Notable Quotes:* "Economists talk about core CPI because it can give us a more stable view of the underlying trends." — Kerrie Beene * "Market dynamics are such that the market may stay overvalued until earnings catch up to valuations." — Kerrie Beene * "Volatility, while unsettling, is a chance for disciplined investors to stay focused and avoid emotional reactions." — Kerrie Beene * "Having three to six months of living expenses in an easily accessible account can prevent you from selling investments during volatile times." — Kerrie Beene
Resources:* Follow Kerrie Beene on her professional journey at Rooted Planning Group Website.
Embark on the complete journey of financial enlightenment by listening to the full episode. Subscribe to Money Roots and stay tuned for more valuable insights that cultivate your financial knowledge and growth.
About the Guest(s):Kerrie Beene: Kerrie Beene is the Chief Investment Officer (CIO) at Rooted Planning Group. With a keen interest and expertise in economic policies and market dynamics, Kerrie guides investment strategies and discussions around market outlooks. Her focus often lies in distilling complex financial concepts and making them accessible for clients and audiences alike.
Episode Summary:In this engaging episode of Money Roots, host Amy Irvine, CEO of Rooted Planning Group, sits down with Kerrie Beene, the Chief Investment Officer, for an enlightening discussion on the post-election market outlook. The duo unpacks the impacts of political landscapes on stock market returns and investor sentiment, weaving through historical data dating back to 1933 to uncover patterns and trends. As global markets react to yet another election cycle, Amy and Kerrie reflect on what the future might hold for investors in a climate overshadowed by policy changes and economic uncertainty.
Throughout the episode, listeners are taken on a deep dive into how different political party leaderships have traditionally impacted market performance. Using data from past presidencies, Amy and Kerrie dissect and analyze the historical returns of the S&P 500, exploring the dynamic between Democratic and Republican parties in the White House and Congress, and its implications on market stability. They provide listeners with insights into bond markets, potential inflation concerns, and the general volatility that follows such political shifts, aiming to educate and prepare investors for what lies ahead.
Key Takeaways:* Historical data shows that stock markets have generally performed well under Democratic leadership when the Congress is controlled by Republicans, with average returns of 18.2%. * Markets tend to prefer balance in government control, which historically has resulted in more stable investment returns. * The bond market has experienced unusual volatility due to fears of inflation and potential interest rate changes. * It's important for investors to have a long-term view and not make decisions driven by short-term political changes or noise. * Understanding market fundamentals and educating oneself on financial policies is crucial for making informed investment decisions.
Notable Quotes:1. "The market does what it does regardless of the political party in office." – Kerrie Beene 2. "Markets move on a daily basis based on fear and volatility, but over a long term basis they move on growth and economic news." – Amy Irvine 3. "The biggest thing that stands out is that what tends to do the best is when there's a balance of power." – Kerrie Beene 4. "In reality, if the Fed is going to continue to lower interest rates, they must think that the economy is slowing down." – Amy Irvine 5. "Having a plan and a strategy that makes sense and reviewing your portfolio is crucial." – Kerrie Beene
Resources: Rooted Planning Group*: Find out more about their financial planning services and insights. Connect through their official website.
Join Amy and Kerrie in this insightful episode as they peel back the layers of financial intricacies and political effects on the market outlook. Dive into the full conversation on Money Roots for more expert analysis and stay tuned for future episodes that promise to enrich your financial literacy journey.
About the Guest(s):Kerrie Beene
Kerrie Beene is a financial planner with expertise in navigating complex personal finance topics. She works alongside Amy Irvine, providing clients with informed guidance and actionable advice to help them achieve their financial goals. With a focus on comprehensive financial planning, Kerrie brings experience and dedication to ensuring financial clarity for clients at the Rooted Planning Group.
Episode Summary:In this insightful episode of Money Roots, your hosts Amy Irvine and Kerrie Beene tackle the intricacies of Medicare, focusing on the open enrollment period and the parts that constitute Medicare, including Parts A, B, C, and D. They offer clarity in an area often seen as daunting due to its complexity and abundance of choices. With personal stories and expert guidance, Amy and Kerrie break down each component of Medicare, empowering listeners to make informed decisions about healthcare coverage as they approach or assist loved ones approaching retirement age.
Throughout the podcast, leveraging SEO-friendly terms like "Medicare Advantage," "Medigap plans," and "open enrollment," Amy and Kerrie explore the differences between original Medicare (Parts A and B) and Medicare Advantage plans (Part C), emphasizing the importance of understanding your healthcare needs and financial situation to choose the best coverage. They stress that careful preparation—by assessing doctor visits, prescription medications, and potential upcoming surgeries—is essential when selecting a plan. Additionally, they caution that while Medicare Advantage plans might present no additional premium, associated copays and coinsurances can vary widely.
Key Takeaways: Understanding Medicare Parts: Traditional Medicare consists of Part A (hospital insurance) and Part B (medical insurance), with Part D offering prescription drug coverage, and Part C being Medicare Advantage plans provided by private insurers. * Open Enrollment is Crucial: Seniors should prepare thoroughly before open enrollment by reviewing their health needs, including doctor visits and prescriptions. * Pros and Cons of Medicare Advantage: Medicare Advantage Plans can appear more affordable due to lower premiums, but may result in higher out-of-pocket expenses. * Yearly Review is Essential: Healthcare needs and insurance benefits can change annually; reviewing your Medicare plan each year can help maintain suitable coverage. * Seek Professional Help*: Utilize resources like local Offices for the Aging or insurance specialists to help navigate the vast array of Medicare options.
Notable Quotes:* "We thought it would be great if we could do a little podcast on...the open enrollment period around Medicare and all of the confusion that goes around it." – Amy Irvine * "When you think about traditional insurance in general, it's just you hand an insurance card in... It's not the same as having a part A, a part B, a part C, a part D." – Amy Irvine * "Just remember, when you go to a part C plan, you are going on to an insurance plan... that's why a lot of people say don't switch." – Amy Irvine * "Never set it and forget it... every year review that" – Amy Irvine * "Utilize your resources and do find those people, but make sure it's the right people... Make sure it's the people who have your best interest at heart." – Kerrie Beene
Resources: Rooted Planning Group Website: Rooted Planning Group * Medicare Official Website*: Medicare.gov
Continuing the conversation about Medicare and personal finance, Amy and Kerrie’s expertise empowers listeners to confidently navigate Medicare choices. To gain deeper insights and learn more about managing your financial journey, listen to the full episode and stay tuned for more from Money Roots.
Join host Kate Welker on Money Roots as she demystifies the complexities of health insurance during the crucial open enrollment period. This episode focuses on understanding employer-sponsored plans, including HMOs, PPOs, and HDHPs with HSAs, providing listeners with essential insights to make informed decisions. Kate offers practical advice on comparing deductibles, co-pays, and network options, ensuring you find the coverage that best meets your needs. Additionally, she explores the healthcare exchange for those without employer coverage, guiding you through the process of selecting the right plan. Tune in to maximize your plan's potential and ensure a thriving financial future with your health insurance choices.
Takeaways:
- Understanding the different types of health insurance plans is crucial during open enrollment.
- When comparing health plans, analyze deductibles, co-pays, and network coverage options thoroughly.
- Utilizing Health Savings Accounts (HSAs) can provide significant tax benefits and savings opportunities.
- It's important to evaluate your healthcare usage to choose the best plan for your needs.
- Always check if your preferred providers are in-network to avoid unexpected costs.
- Estimating your income accurately on the healthcare exchange is vital to avoid penalties later.
Health insurance can be a complex landscape, particularly during open enrollment. Kate Welker offers an essential guide to navigating this process effectively. She starts by dissecting employer-sponsored plans, including HMOs, PPOs, and HDHPs that can be paired with HSAs. With a clear explanation of each plan type, Kate articulates the importance of comparing deductibles, co-pays, and provider networks, encouraging listeners to create a side-by-side comparison to understand their options better.
Moreover, Kate delves into the advantages of HSAs and FSAs, explaining how these accounts can serve as valuable tools for managing healthcare expenses. She highlights how employers may contribute to these accounts, which can significantly enhance savings. By illustrating how to evaluate prescription drug coverage and the necessity of confirming network status with healthcare providers, Kate equips her audience with the knowledge needed to make informed decisions about their health insurance.
For those not enrolled in employer-sponsored plans, the episode transitions into an exploration of the healthcare exchange. Kate emphasizes the importance of accurately estimating income as it relates to premium tax credits, providing guidance on how to avoid common pitfalls that can lead to back charges or overpayment. By analyzing the various metal tier plans available on the exchange, she helps listeners understand the balance between premium costs and coverage quality. Throughout the episode, Kate urges her listeners to utilize available resources, ensuring they feel supported in their quest for effective health insurance solutions.
Resources:* Kate Welker’s episodes and blog articles at Rooted Planning Group: Rooted Planning Group
Through this episode, listeners are encouraged to grasp the intricacies of health insurance thoughtfully. Be sure to tune in to the full episode of Money Roots for a comprehensive understanding and more expert advice from Kate Welker. Stay informed and continue to sow the seeds of financial knowledge for a robust financial future
About the Guest(s):Kate Welker is a CERTIFIED FINANCIAL PLANNER™ and a recurring host on Money Roots, bringing a wealth of expertise in personal finance to the podcast. Her insights into financial planning and time management make her a valuable resource for individuals aiming to enhance their financial literacy and time efficiency.
Kerrie Beene is a CERTIFIED FINANCIAL PLANNER™ at Rooted Planning Group known for her practical approaches to simplifying personal finance. Her experience in helping clients streamline their financial lives provides listeners with actionable strategies to enhance their financial well-being.
Becky Eason is a CERTIFIED FINANCIAL PLANNER™ at Rooted Planning Group with a focus on integrating financial planning into everyday life. Her holistic approach to finance emphasizes finding balance, allowing individuals to manage their resources effectively without sacrificing personal time.
Episode Summary:In this insightful episode of Money Roots, hosts Kate Welker, Kerrie Beene, and Becky Eason come together to discuss the innovative ways professional women are reclaiming their time through strategic outsourcing and effective financial planning. As busy professionals juggling family life and careers, they explore why time is an invaluable resource and sharing real-world examples from their personal and professional lives. This episode offers a practical guide to simplifying life with time-saving tips that cater to both financial management and everyday living.
The podcast delves into several effective strategies that women can adopt to manage their time better. Kate, Kerrie, and Becky focus on outsourcing tasks like grocery shopping via delivery services, hiring cleaning services, and even employing travel agents to handle detailed holiday planning. They discuss the mental health benefits of such strategies, allowing listeners to gain insight into how outsourcing not only buys time but reduces mental strain. The hosts share their own experiences and those of clients, providing an authentic look at the challenges and solutions busy women face today. Listeners are encouraged to consider these methods as investments in their well-being and productivity, highlighting the importance of a balanced lifestyle in personal finance.
Key Takeaways:* Outsourcing tasks like grocery shopping, house cleaning, and travel planning can reclaim valuable time and reduce mental load. * Services like curbside pickup and delivery, as mentioned by Becky Eason, help avoid impulse purchases while saving time. * Hiring deep cleaning services, as detailed by Kerrie Beene, is a non-negotiable investment that brings peace of mind and a tidy home environment. * Using a meal planning service can streamline the cooking process, offering both convenience and healthy eating options. * Considering higher tier solutions, such as hiring a personal assistant, can be incredibly beneficial for those with the means to do so.
Notable Quotes:* "When I'm watching TV in the evening, I just get on my phone, fill my cart and select a delivery time." - Becky Eason * "If my space is cluttered or not clean, it makes my mind feel chaotic." - Kerrie Beene * "Travel agents are actually having a very big resurgence because people want to travel and don't want to worry about the details." - Kate Welker * "I think part of buying time is you get time, but you also get some mental health." - Kate Welker * "Sometimes we talk about non-negotiables when discussing budgets with clients. Having cleaning services is a non-negotiable for me." - Kerrie Beene
Resources: Rooted Planning Group*: Connect with Rooted Planning Group for comprehensive financial planning services.
For anyone seeking to simplify their life while nurturing their financial knowledge, this episode of Money Roots is an essential listen. Tune in to gain impactful insights and subscribe for more enriching episodes.
About the Guest(s):Kate Welker: Kate is a seasoned financial planner known for her comprehensive approach to personal finance. She specializes in empowering individuals and families to make informed financial decisions, providing practical advice tailored to unique situations.
Kerrie Beene: Kerrie is a financial expert with a wealth of experience in investment strategies and financial planning. Her keen insights and expertise help clients navigate complex financial landscapes, ensuring they understand the intricate details of their investment choices.
Episode Summary:In this illuminating episode of Money Roots, hosts Kate Welker and Kerrie Beene dive into common financial mistakes, particularly those that women often make. This episode sheds light on the patterns and pitfalls in financial decision-making, offering practical strategies to avoid them. From the importance of not listening to others blindly, to the dangers of overextending oneself both in time and money, this conversation is packed with valuable tips.
The hosts emphasize the significance of creating a personalized financial system that works for you. They discuss how ignoring finances can lead to unwanted stress and financial penalties, and how setting up automatic payments and regular check-ins can help maintain control. Additionally, this episode touches on the importance of investing wisely. Kerrie and Kate share insights on overcoming the fear of investing, highlighting that women often excel as investors once they get started.
Key Takeaways: Tailor Financial Advice: Be cautious about taking financial advice from others as their situations might not match yours. * Avoid Ignoring Finances: Ignoring financial matters can lead to bigger issues. Set up systems like automatic payments and regular check-ins to stay on track. * Don’t Overextend Yourself: Overextending your time or money can lead to stress and poor financial decisions. Prioritize your well-being to avoid burnout. * Invest Wisely: Educate yourself about investing. Women, in particular, can be excellent investors when they understand their investments and let them grow. * Create a Personalized System:* Find a financial management system that works for your lifestyle and sticking to it can help you stay organized and reduce anxiety.
Notable Quotes:1. “Just because someone says something doesn’t necessarily mean that they’re an expert on the subject or an expert in your life.” - Kerrie Beene 2. “Don’t should on yourself. It’s in the past; maybe there are different ways you could have approached it, but everyone has their own path.” - Kate Welker 3. “It’s your money, so at the end of the day, you can make a decision later before you invest in something that you don’t fully understand.” - Kerrie Beene 4. “If someone is making you feel like you are dumb or unintelligent because you’re not doing something, do your own research first.” - Kate Welker 5. “We talk about conflicting goals a lot in meetings, too, so it’s really important not to ignore them and making sure your resources are put to the goals that are most important to you.” - Kerrie Beene
Don't miss this episode filled with actionable advice and insights that can help you avoid common financial pitfalls and build a more secure financial future. Tune in to Money Roots and continue nurturing your financial health!
About the Guest(s):Kerrie Beene: Kerrie Beene is a CERTIFIED FINANCIAL PLANNER™ at the Root Planning Group. With extensive experience in personal finance, Kerrie is dedicated to helping clients navigate their financial journeys. She specializes in providing practical advice on budgeting, investing, tax planning, and more. Her approach is centered around making complex financial topics understandable and actionable for everyone.
Episode Summary:In this insightful episode of the Money Roots podcast, Certified Financial Planner Kerrie Beene takes the spotlight to delve into the essential topic of estimated tax payments. With her wealth of knowledge, Kerrie provides a thorough breakdown of what estimated tax payments are, who needs to make them, and the crucial timelines involved. Whether you're self-employed, an investor, or earning rental income, this episode is packed with valuable insights to help you stay ahead of your tax obligations.
Kerrie begins by explaining the concept of estimated tax payments, highlighting their importance for individuals who have income not subject to withholding, such as freelancers, landlords, retirees, and those with side gigs. She discusses the general rule of thumb for those who need to make these payments, emphasizing the significance of being proactive to avoid any surprises during tax season. Kerrie also outlines the quarterly deadlines for estimated payments and the potential penalties for underpayment, stressing the benefits of staying on top of your tax game.
Moving forward, Kerrie provides actionable steps on how to determine the amount you need to pay and offers multiple methods for making these payments. Whether you're paying online, by mail, or through automatic withdrawals, she ensures you have the knowledge to choose the most convenient option for you. Throughout the episode, Kerrie emphasizes the importance of consulting with a tax professional to ensure accuracy and avoid penalties. This episode is a must-listen for anyone looking to manage their estimated tax payments effectively and reduce the stress of tax season.
Key Takeaways: Importance of Estimated Tax Payments: Understand why estimated tax payments are crucial for those with income not subject to withholding. * Who Should Make Payments: Learn about the different types of individuals who need to consider making estimated tax payments, from freelancers to retirees. * Due Dates and Penalties: Get to know the quarterly deadlines and the consequences of missing these payments, including potential penalties. * Calculation Methods: Discover how to calculate the amount you need to pay based on last year's tax liability or this year's estimated income. * Payment Options*: Explore the various methods available for making estimated tax payments, including online payments, mail, and automatic withdrawals.
Notable Quotes:1. "Estimated tax payments are simply just prepayments of your income that the IRS expects you to make throughout the year." 2. "If you expect to owe at least $1,000 in taxes when you file your return and you haven't paid enough through your withholdings, you'll probably need to make estimated tax payments." 3. "The IRS wants its cut as you earn that income, not just at the end of the year when you file your tax return." 4. "Being proactive and taking care of your estimated tax payments ahead of time can help you avoid penalties and make tax season less stressful." 5. "Always reach out to a tax professional if you're unsure about your tax obligations to ensure you're doing everything correctly."
Resources:* Root Planning Group * IRS Estimated Tax Payments Information * Submitting Form 1040-ES * Online Payment Options with the IRS
Stay tuned to the Money Roots podcast for more episodes packed with practical financial advice and insights that can help you cultivate a thriving financial future. Don't forget to subscribe to never miss an episode!
About the Guest(s):Kate Welker is a CERTIFIED FINANCIAL PLANNER® at Rooted Planning Group with a passion for helping individuals cultivate a thriving financial future. With a background in finance and a keen understanding of the importance of intentional spending, Kate provides valuable insights and guidance to clients seeking to achieve their financial goals.
Becky Eason is a CERTIFIED FINANCIAL PLANNER® at Rooted Planning Group. With years of experience in personal finance and strategic wealth management, she specializes in assisting busy professional women to manage their financial lives with confidence and clarity. Becky’s expertise spans various domains including savings, investments, budgeting, and planning, making her an invaluable resource for her clients and podcast listeners alike.
Episode Summary:In this vibrant episode of Money Roots, Kate Welker and Becky Eason delve into the intricate world of personal finance for busy professional women. The episode emphasizes the importance of intentional spending to enhance quality of life, offering practical advice, relatable experiences, and expert insights to help you navigate your financial journey efficiently.
Kate and Becky kick off the discussion with the high costs and critical choices surrounding childcare. They outline the various solutions for managing this essential yet hefty expense, from leveraging family support to selecting the best daycare options. The conversation then flows into the benefits of outsourcing household services, acknowledging the relief of freeing up personal time by hiring help versus handling all tasks independently. The hosts also dissect meal planning strategies, from subscription services to grocery delivery, all tailored to support busy schedules.
Key Takeaways: Prioritize Intentional Spending: Focus on what brings joy and efficiency in your life, whether through convenience services or personal indulgences. * Utilize Childcare Options: Explore all avenues for managing childcare expenses, including daycare, family support, and summer camps. * Outsource Household Tasks: Hiring help for cleaning, laundry, and other chores can significantly improve work-life balance and reduce stress. * Invest in Personal Care: Allocate funds for self-care activities like exercise, spa visits, grooming, and hobbies to maintain overall well-being. * Plan for Travel and Entertainment:* Budget for travel and entertainment to enjoy life’s experiences, embracing both everyday joys and occasional splurges.
Notable Quotes: "It's okay to spend money. Like, that's the part that I think today we want get into first, setting goals, really making sure you're achieving those." — Kate Welker * "I will continue to work as hard as I need to did not have to do laundry." — Kate Welker * "You are essentially buying time." — Becky Eason * "Gym memberships and kind of circling back to childcare. A lot of gyms actually have childcare. So if you are able to find the time to go to the gym, you know, someone's there to watch your kids at a lot of spots. So a win win." — Becky Eason * "For me, anywhere on or near the water is very relaxing." — Kate Welker*
Resources:* Follow the Rooted Planning Group on Facebook, LinkedIn, and Instagram for ongoing insights and resources. * Explore meal delivery subscription options (such as HelloFresh, Blue Apron) for convenient meal planning. * Look into personal care services like local gyms, spas, and salons to enhance your self-care routine. * Plan and budget for leisure activities, including travel and entertainment, tailored to your personal interests and family enjoyment.
Engage in this insightful conversation to explore how intention and strategy in spending can lead to a richer, more fulfilling life. Tune in to discover more ways to nurture and grow your financial roots with Money Roots!
About the Guest(s):Kate Welker is a CERTIFIED FINANCIAL PLANNER® at Rooted Planning Group with a passion for helping individuals cultivate a thriving financial future. With a background in finance and a keen understanding of the importance of intentional spending, Kate provides valuable insights and guidance to clients seeking to achieve their financial goals.
Episode Summary:In this episode of Money Roots, Kerrie Beene and Kate Welker delve into the trending topic of underconsumption, exploring the practice of spending less, saving more, and avoiding unnecessary expenses. The discussion revolves around the influence of social media, historical trends, and the importance of being intentional with money. The episode emphasizes the significance of aligning spending with personal values, finding balance, and utilizing resources wisely to achieve financial goals.
Key themes include understanding the concept of underconsumption, the impact of inflation and de-influencing, and the historical shift towards intentional spending. Kate and Kerrie highlight the significance of identifying personal values, setting financial goals, and making mindful choices to achieve financial well-being.
Key Takeaways:* Underconsumption promotes spending less, saving more, and avoiding unnecessary expenses. * Being intentional with money involves aligning spending with personal values and setting financial goals. * Historical trends and societal influences play a role in shaping spending habits and preferences. * Finding a balance between needs, wants, and resources is essential for financial well-being. * Utilizing safeguards, setting reminders, and having an accountability partner can help curb impulsive spending.
Notable Quotes:* "Just because it's on sale doesn't mean you saved money if you didn't plan to buy it to start with." * "Underconsumption isn't about being as frugal as possible; it's about finding balance and being wise with your finances." * "Identifying personal values and spending on what matters to you is key to financial well-being."
Resources:* Rooted Planning Group: Website
Don't miss out on the insightful conversation about underconsumption and intentional spending in this episode of Money Roots. Tune in to gain valuable tips and strategies for nurturing your financial future.
About the Guest(s):Dr. Laura Carapella earned her doctorate degree at Columbia University and has achieved tenure at two colleges in New York state. With over 25 years of experience teaching health behavior and human dynamics, she has also conducted over 200 leadership workshops, retreats, and keynotes. Dr. Carapella is known for her passion for helping individuals feel seen, heard, and understood, especially during periods of transition. She is a member of the LGBTQ+ community, a mother of two boys, a spouse to a chiropractor, and a dog mom to their pets.
Episode Summary:In this episode of Money Roots, Dr. Laura Carapella discusses stress, anxiety, and the impact of gratitude on mental well-being with host Kate Welker. Dr. Carapella shares insights from her research, focusing on proactive gratitude as a tool for rewiring the brain and reducing anxiety levels. By shifting from judgment to productivity, individuals can experience cognitive restructuring, enhanced neurotransmitter function, and reduced fear and anxiety.
Key themes in the episode include:
- Drastic increase in anxiety levels over the years
- The benefits of gratitude in rewiring the brain and reducing anxiety
- Practicing proactive gratitude beyond current boundaries and shifting from judgment to productivity
Key Takeaways:* Over the years, there has been a significant increase in anxiety levels, with gratitude showing promise in reducing anxiety and fostering well-being. * Proactive gratitude involves moving beyond current boundaries, replacing judgment with appreciation, and authentically believing in what one is grateful for. * Shifting from judgment to productivity can lead to cognitive restructuring, enhanced neurotransmitter function, and reduced fear and anxiety. * Practicing gratitude in challenging moments can result in a positive impact on mental health and overall well-being. * Gratitude serves as an opportunity for growth, change, and a shift in perspective towards life’s experiences.
Notable Quotes:* "Anxiety was playing a significant role in our students' lives, prompting me to focus on researching the effects of gratitude." - Dr. Laura Carapella * "Proactive gratitude involves moving beyond current boundaries and replacing judgment with appreciation." - Dr. Laura Carapella * "Gratitude rewires the brain, enhances neurotransmitter function, and fosters cognitive restructuring." - Dr. Laura Carapella
Resources:* Dr. Laura Carapella's website
Don't miss the full episode to dive deeper into the impact of gratitude on reducing anxiety and enhancing well-being. Tune in for more insightful discussions and valuable insights from Money Roots.
About the Guest(s):Amy Irvine is a financial expert who is passionate about helping individuals take control of their financial well-being. With extensive experience in financial planning and coaching, Amy empowers her clients to write their own financial stories and achieve their goals. She is known for her innovative and personalized approach to financial advice, emphasizing the alignment of values with spending habits to create lasting financial stability.
Episode Summary:In this episode, Amy Irvine delves into the importance of taking control of your financial narrative by writing your own story. Drawing parallels between crafting a compelling movie plot and designing your financial journey, Amy encourages listeners to identify themselves as the hero of their story and navigate challenges with a strategic mindset. By leveraging the concept of a hero, a villain, and a guide, Amy provides a unique perspective on reshaping financial narratives to achieve success and fulfillment.
Key themes discussed include the significance of self-empowerment, the role of financial obstacles as villains in our stories, and the importance of seeking guidance to overcome challenges. Amy highlights the impact of setting clear financial goals, aligning spending with values, and utilizing resources to thrive financially. By emphasizing the power of intentional financial planning and storytelling, Amy inspires listeners to take charge of their financial destinies and build a secure future.
Key Takeaways:* Embrace your role as the hero of your financial story and proactively shape your narrative. * Identify financial obstacles as villains that impede your progress and seek guidance to overcome them. * Define clear financial goals, align spending with values, and utilize resources to thrive financially. * Craft a strategic plan of action with the guidance of mentors or resources to steer your financial journey toward success. * Take ownership of your financial narrative, eliminate distractions, and focus on creating a fulfilling and sustainable financial future.
Notable Quotes:* "Your life is about events supported by your dollars and cents." * "Sometimes the villains in our financial stories can also be opportunities for growth and transformation." * "Write your own financial story by defining your goals, aligning spending with values, and seeking guidance when needed."
Tune in to the full episode to discover how you can rewrite your financial story, overcome obstacles, and achieve financial success. Don't miss out on valuable insights and empowering strategies from Amy Irvine to transform your financial future.
About the Guest(s):Kate Welker is a seasoned financial planner with a passion for helping individuals overcome financial stress and anxiety. With a background in empowering clients to take control of their money management, Kate is dedicated to providing actionable steps to improve financial well-being. Her expertise lies in debt management, reducing spending, preparing for emergencies, and setting realistic financial goals.
Episode Summary:In this insightful episode of "Money Roots," Kate Welker dives into specific areas of financial concerns and fears that often plague individuals. From tackling debt to reducing spending and preparing for financial emergencies, Kate provides practical advice and tools to help listeners take charge of their financial well-being. By addressing common fears like running out of money or losing a job, she offers actionable steps to build confidence and security in one's financial future.
Kate emphasizes the importance of facing financial challenges head-on, developing strategies to manage debt effectively, and building emergency savings. By understanding fixed sources of income, utilizing tools like the 4% rule, and creating ideal and lean budgets, listeners can gain clarity and direction in their financial planning journey.
Key Takeaways:* Confront your financial fears by understanding your current financial situation. * Develop a clear debt management strategy using methods like the avalanche or snowball method. * Reduce spending by analyzing expenses and creating ideal and lean budgets based on personal goals. * Build emergency savings to prepare for unexpected financial setbacks. * Utilize fixed sources of income and the 4% rule to estimate retirement needs and ensure financial security.
Notable Quotes:* "Figure out where you're at, know what you have, and understand where your money is going to have some control." - Kate Welker * "Confront your financial fears by understanding your current financial situation and taking actionable steps to improve it." - Kate Welker * "Developing a clear debt management strategy and reducing spending can lead to financial empowerment and security." - Kate Welker
Resources:* Rooted Planning Group - Visit the website for more financial planning resources and to schedule a call with a financial planner.
Listen to the full episode of "Money Roots" with Kate Welker for valuable insights and practical tips on overcoming financial fears and achieving financial stability. Tune in for more expert advice on managing your money effectively and securing your financial future.
About the Guest(s):Kate Welker is a CERTIFIED FINANCIAL PLANNER™ at Rooted Planning Group. With years of experience in the financial industry, Kate is passionate about helping individuals reduce stress and anxiety around money. She believes in empowering her clients by providing them with the knowledge and tools they need to take control of their finances. Kate's expertise lies in budgeting, debt management, and retirement planning.
Episode Summary:In this episode of Money Roots, Kate Welker addresses the common issue of stress and anxiety surrounding the topic of money. She shares her own personal journey of overcoming financial anxiety and provides practical strategies to help listeners reduce their stress and feel more in control of their finances. Kate emphasizes the importance of facing your current financial situation, avoiding comparisons with others, creating a plan, and continuously learning about money management. By implementing these steps, individuals can gain a sense of empowerment and confidence in their financial decisions.
Key Takeaways:* Facing your current financial situation is the first step to reducing stress and anxiety around money. Take the time to gather all your financial information, including assets, debts, and monthly expenses. * Avoid comparing yourself to others when it comes to money. Everyone has their own unique financial journey, and it's important to focus on your own goals and progress. * Create a plan by identifying one small thing you can control and take action on. Whether it's increasing your savings or paying off debt, making incremental changes can lead to significant improvements over time. * Knowledge is power when it comes to money management. Take the initiative to learn about personal finance through reputable resources, such as books, podcasts, or working with a financial planner. * Seek professional help if needed. Consider working with a fee-only financial planner who can provide guidance tailored to your specific situation and goals.
Notable Quotes:* "When you talk about money, think about money, it comes up in conversations. Do you find yourself anxious or stressful? Are you having uncomfortable reactions? Maybe sweaty palms? Maybe your heart rate accelerates? Maybe your gut is churning?" - Kate Welker * "Stop comparing. Your journey is your own, your money is your own, your lifestyle is your own." - Kate Welker * "Pick one small thing you can control and start doing that. Small steps you can control begin to add up over time." - Kate Welker
Resources:* Rooted Planning Group - Website
About the Guest(s):Liz Zemak is an experienced financial advisor and homeowner. With a background in personal finance and a passion for helping others, Liz has dedicated her career to educating individuals on the importance of financial planning and homeownership. She has successfully navigated the challenges, providing them with expert guidance and support. Liz is known for her attention to detail and commitment to ensuring her clients make informed decisions. With a deep understanding of the local market, Liz is able to offer valuable insights and advice to those looking to buy or sell a home. She is dedicated to helping her clients achieve their real estate goals and is passionate about providing exceptional service.
Episode Summary:In this episode, Liz Zemak addresses various questions and concerns related to homeownership. She begins by emphasizing the importance of hiring a reputable home inspector when purchasing a home. Liz provides tips on finding a reliable inspector and highlights the benefits of utilizing technology for inspection reports. She then discusses how to prioritize home improvement projects when you realize there are more repairs needed than anticipated. Liz advises making a comprehensive list and categorizing the repairs based on safety and urgency. She also suggests seeking the expertise of a general contractor and shares tips on finding a trustworthy contractor. Lastly, Liz emphasizes the importance of creating a designated drop zone in your home to keep things organized and create a sense of calm when entering your living space.
Key Takeaways:* Hiring a reputable home inspector is crucial when purchasing a home to ensure you are aware of any potential issues or repairs needed. * Prioritize home improvement projects by creating a comprehensive list and categorizing repairs based on safety and urgency. * Having a reliable general contractor in your contacts can provide valuable insights and cost estimates for potential home improvement projects. * Creating a designated drop zone in your home can help keep things organized and create a sense of calm when entering your living space. * Utilizing technology for inspection reports and organizing paperwork can streamline the home buying and maintenance process.
Notable Quotes:* "Before you make that purchase offer or decide that you want to have that house, make sure that you have it inspected." - Liz Zemak * "Take it one step at a time and do what you can manage, and just starting somewhere will help you build that momentum." - Liz Zemak * "Having one or two good general contractors in your contacts is a really, really good idea." - Liz Zemak * "A drop zone in your home is a really great thing, whether you rent or you own." - Liz Zemak
Listen to the full episode here to gain valuable insights and tips for navigating the home buying and maintenance process. Stay tuned for more informative episodes from Money Roots.
About the Guest(s):Liz Zemak is a homeowner and home management expert. With years of experience in maintaining and managing her own home, Liz has developed effective strategies and systems to keep her house in order. She is passionate about helping others create a well-organized and efficient home management system. Liz shares her knowledge and tips through her podcast, Money Roots, where she provides valuable insights on various aspects of homeownership and home management.
Episode Summary:In this episode of Money Roots, host Liz Zemak discusses the importance of creating a home management binder. She explains that a home management binder is a customizable tool that helps homeowners keep track of important information and tasks related to their homes. Liz shares her own experience and provides practical advice on how to create and maintain a home management binder. She suggests different categories to include in the binder, such as contact information, reminders, manuals, planning, and financial records. Liz emphasizes the benefits of having a home management binder, including better organization, easier maintenance, and the ability to pass on important information to future homeowners. She encourages listeners to start building their own home management binder and offers tips on how to maintain and update it regularly.
Key Takeaways:* Creating a home management binder is a valuable tool for homeowners to keep track of important information and tasks related to their homes. * A home management binder can be customized to fit individual needs and preferences, whether in physical or electronic form. * Categories to include in a home management binder may include contact information, reminders, manuals, planning, and financial records. * Maintaining a home management binder helps homeowners stay organized, prioritize tasks, and easily access important information. * A home management binder can be a useful resource to pass on to future homeowners when selling a house.
Notable Quotes:* "A home management binder is a great way to keep all the documents and information you need for your home in one place." - Liz Zemak * "Having a home management binder helps free up brain space and allows you to easily access important information when needed." - Liz Zemak * "Including financial records in your home management binder helps you keep track of maintenance costs and provides valuable information for future homeowners." - Liz Zemak
Resources:* Money Roots website: rootedpg.com
Don't miss out on Liz Zemak's insightful discussion on creating a home management binder. Tune in to the full episode of the Money Roots podcast to learn more about how this tool can help you stay organized and maintain your home efficiently. Visit rootedpg.com for more helpful tips and financial pointers.
About the Guest(s):Liz Zemak is an experienced financial advisor and homeowner. With a background in personal finance and a passion for helping others, Liz has dedicated her career to educating individuals on the importance of financial planning and homeownership. She has successfully navigated the challenges of building a home and has firsthand experience with needing a personal property inventory. Liz is committed to empowering others to take control of their finances and protect their assets.
Episode Summary:In this episode of Money Roots, Liz Zemak discusses the importance of creating a personal property inventory. She shares her own experience of having her tools stolen during the construction of her home and emphasizes the need for proper documentation when filing an insurance claim. Liz provides practical tips on how to get started with a home inventory, including listing items room by room, capturing detailed information such as purchase date and cost, and taking photos or videos of valuable items. She also highlights the benefits of maintaining an up-to-date inventory, such as accurate insurance coverage and estate planning. Liz emphasizes the importance of revisiting the inventory regularly and keeping it secure.
Key Takeaways:* Creating a personal property inventory is crucial in the event of a loss or damage to your belongings. * The burden of proof is on the property owner when filing an insurance claim, so having a detailed inventory is essential. * Start by picking an easy spot to begin, such as a room with valuable items, and list everything in that room with as much detail as possible. * Include purchase date, cost, make, model, and serial numbers for items that have them. * Take photos or videos of each item, including the model and serial numbers, and keep receipts and appraisals with the inventory. * Store the inventory securely, either in a safe, a safe deposit box, or with a trusted contact. * Regularly update the inventory and review your insurance coverage to ensure you are adequately protected. * A personal property inventory can also be useful for financial planning and estate planning purposes.
Notable Quotes:* "The burden of proof is on the property owner, not the insurance company. So you're gonna have to have something to present to the insurance company to say that these are the items that I owned and, you know, that they were damaged or stolen." - Liz Zemak * "The more detailed you can be, the better off you're going to be when and if you need to make that claim." - Liz Zemak
Resources:* Rooted Planning Group
Listen to the full episode of Money Roots to learn more about the importance of creating a personal property inventory and how to get started. Stay tuned for more valuable insights and practical advice on personal finance and homeownership.
About the Guest(s):Liz Zemak is a financial planner and this weeks host of the Money Roots podcast. With years of experience in the financial industry, Liz helps individuals and families make informed decisions about their money and investments. She is passionate about helping people create a comfortable and enjoyable living space without breaking the bank. Through her podcast and articles, Liz provides valuable insights and tips on home improvements, budgeting, and financial planning.
Episode Summary:In this episode of the Money Roots podcast, host Liz Zemak explores the decision between making home improvements or purchasing a new home. With current mortgage interest rates lower than the rates for selling and buying a new home, Liz suggests considering upgrading your existing space to create a comfortable and desirable living environment. She discusses various ideas for home improvements, such as installing a home security system, investing in a generator, adding an addition to your home, and creating a multigenerational living space. Liz emphasizes the importance of setting priorities, communicating with family members, and creating a budget or spending plan for these upgrades. She also highlights the value of landscaping and curb appeal in enhancing the overall enjoyment of your home. With the current interest rate environment, Liz encourages listeners to explore the possibilities of improving their current homes rather than moving.
Key Takeaways:* Evaluate your current mortgage interest rate compared to the rates for selling and buying a new home. * Lay out your priorities and determine the upgrades you want for your home. * Consider installing a home security system or investing in a generator for added security and convenience. * Explore the possibility of adding an addition to your home to create more space. * Communicate with family members to determine their needs and desires for the living space. * Create a budget or spending plan for the home improvements over time. * Enhance the curb appeal of your home through landscaping and other exterior upgrades.
Notable Quotes:* "In today's interest rate environment, it's important to really make the choice to stay in the home that you're currently in if you have one of the lower interest rates." - Liz Zemak * "Make sure you're communicating with each other and really laying out what's important and what you each are desiring." - Liz Zemak * "Think about what you can do to create a space that you truly enjoy, even if you rent." - Liz Zemak
Resources:* Rooted Planning Group
Listen to the full episode of the Money Roots podcast to learn more about making home improvements versus purchasing a new home. Stay tuned for valuable insights and tips on financial planning and creating a comfortable living space.
About the Guest(s):* John Graham: John is an author and professor who has taught international marketing for 40 years at USC and UCI. He co-authored the book "Under One Roof: Creating Harmony for Multi-Generational Living" with his sister Sharon and daughter Emily. John brings his expertise in marketing and his personal experience with multi-generational living to the book. * Emily Graham: Emily is the daughter of John Graham and co-author of "Under One Roof." She has a background in palliative and hospice care, end-of-life care, and grief counseling. Emily's contribution to the book focuses on these topics and provides valuable insights into the healthcare considerations of multi-generational living.
Episode Summary:In this episode, host Amy Irvine is joined by John Graham and Emily Graham to discuss their book "Under One Roof: Creating Harmony for Multi-Generational Living." They explore the importance of multi-generational living, the challenges and benefits it brings, and how to navigate the complexities of living with multiple generations under one roof. They emphasize the need for open and honest conversations, planning for healthcare and end-of-life care, and finding a balance between privacy and proximity. The book provides practical advice and guidance for families considering multi-generational living and offers insights into creating a harmonious and supportive living arrangement.
Key Takeaways:
- Multi-generational living is a solution to the challenges faced by families today, such as the high cost of housing and the need for support and care for aging parents.
- Open and honest conversations are crucial when considering multi-generational living, allowing all family members to express their needs, concerns, and expectations.
- Planning for healthcare and end-of-life care is essential in multi-generational living arrangements, ensuring that everyone's needs are met and that there is a support system in place.
- Finding a balance between privacy and proximity is key to successful multi-generational living. Separate living spaces, clear boundaries, and open communication can help maintain individual privacy while fostering a sense of togetherness.
- Multi-generational living can provide emotional support, companionship, and shared responsibilities, creating a strong sense of family and community.
Notable Quotes:
- "Multi-generational living is a renaissance of an idea that has been practiced in many cultures throughout history." - Emily Graham
- "Having open and honest conversations about multi-generational living can prevent crises and help make informed decisions." - John Graham
- "Multi-generational living is about creating a supportive and loving environment where everyone's needs are met." - Emily Graham
Resources:
- Book: "Under One Roof: Creating Harmony for Multi-Generational Living" by John Graham, Sharon Graham, and Emily Graham (Amazon link: Book)
Please watch/listen to the full webinar for more enlightening insights and practical advice on multi-generational living. Stay tuned for future episodes of the podcast/webinar/series for more valuable content.
Watch this episode on YouTube
About the Guest(s):Kerrie Beene is a certified financial planner and the Chief Investment Officer at Rooted Planning Group. With years of experience in the financial industry, Kerrie has helped numerous clients navigate their financial journeys and make informed decisions about their investments. She specializes in retirement planning and is passionate about helping individuals achieve their long-term financial goals.
Episode Summary:In this episode of Money Roots, Kerrie Beene, a certified financial planner, explores the topic of 401K loans and the tax implications associated with them. She discusses how 401K loans work, the rules set by the Internal Revenue Service (IRS), and the importance of understanding your employer's specific rules. Kerrie highlights key considerations such as loan limits, repayment periods, interest rates, loan purposes, and employment status. She also emphasizes the tax implications of 401K loans, including potential income tax and withdrawal penalties. Kerrie advises listeners to explore alternative options before taking out a 401K loan and to consult with a financial advisor to ensure alignment with long-term financial goals.
Key Takeaways:* 401K loans are available to anyone with a 401K account and have a simpler and quicker application process compared to traditional loans. * The IRS sets limits on how much you can borrow from your 401K, generally up to 50% of your vested account balance or $50,000, whichever is less. * Repayment periods for 401K loans are typically within five years, although longer periods may be allowed for loans used to purchase a primary residence. * The interest rate on a 401K loan is often based on the prime rate plus an additional percentage determined by your plan. However, the interest paid is not tax deductible. * Some plans may have restrictions on the type of expenses for which you can borrow from a 401K loan, so it's important to check with your employer. * If you leave your job, the outstanding balance of the loan may become due immediately, potentially subjecting it to taxes and penalties. * Failure to repay the loan according to the terms outlined in your plan could be considered a distribution, resulting in income tax and a potential 10% withdrawal penalty. * Administrative fees may be charged for processing and maintaining the loan, which are typically deducted from your account balance. * Taking out a 401K loan means missing out on potential growth in your retirement savings, so it's crucial to consider the long-term impact on your financial plan.
Notable Quotes:1. "While you are repaying yourself, that money did become uninvested, and you will be investing it later, but you are missing out on that growth there." - Kerrie Beene 2. "If you decide to take out a 401K loan, make sure you only borrow what you need and have a solid plan in place to repay it promptly." - Kerrie Beene
Resources:* Rooted Planning Group
Listen to the full episode of Money Roots to gain a comprehensive understanding of 401K loans and their tax implications. Stay tuned for more insightful episodes from the podcast to enhance your financial knowledge and make informed decisions.
About the Guest(s):Kerrie Beene is a certified financial planner and the Chief Investment Officer at Rooted Planning Group. With years of experience in the financial industry, Kerrie is dedicated to helping individuals achieve their long-term financial goals through strategic planning and disciplined investing. She is known for her expertise in investment management and her ability to guide clients towards financial success. Kerrie's passion for educating others about personal finance has made her a sought-after speaker and advisor in the field.
Episode Summary:In this episode, Kerrie Beene, a certified financial planner and Chief Investment Officer at Rooted Planning Group, shares the timeless wisdom of the fable "The Tortoise and the Hare" and how it applies to our financial lives. She emphasizes the importance of consistency, avoiding impulsive behavior, the power of compounding, and the virtue of patience in achieving long-term financial success. Kerrie highlights the parallels between the fable and investing, encouraging listeners to adopt a slow and steady approach to their financial goals.
Key Takeaways:* Consistency wins the race: Just as the tortoise consistently plods along the course, investors who consistently contribute to their portfolios or retirement accounts tend to achieve better long-term results than those who try to time the market or chase short-term gains. * Avoiding impulsive behavior: The hare's impulsive decision to take a nap during the race serves as a cautionary tale against impulsive investment decisions driven by emotions such as fear and greed. Investors should avoid chasing hot stocks or market trends and instead focus on a long-term strategy. * The power of compounding: Similar to the tortoise's slow but steady progress, compounded growth can have a significant impact on investment returns over time. Understanding and harnessing the power of compounding interest can lead to substantial financial gains. * Patience pays off: The fable of the tortoise and hare emphasizes the virtues of patience and discipline. Successful financial planning requires individuals to exercise patience in pursuing their goals and adhere to saving and investing strategies. Historically, the stock market has delivered positive returns over the long term, and embracing a long-term perspective can help investors benefit from the power of compounding.
Notable Quotes:1. "Slow and steady wins the race." - Kerrie Beene 2. "Consistency and discipline are key to achieving long-term financial success." - Kerrie Beene 3. "Avoid impulsive investment decisions driven by fear or greed." - Kerrie Beene 4. "Understanding the power of compounding interest is crucial for maximizing investment returns." - Kerrie Beene 5. "Patience and perseverance are essential for successful financial planning." - Kerrie Beene
Resources:* Rooted Planning Group: Website
Conclusion:In this insightful episode, Kerrie Beene reminds us of the timeless wisdom found in the fable of "The Tortoise and the Hare" and how it relates to our financial lives. By emphasizing the importance of consistency, avoiding impulsive behavior, harnessing the power of compounding, and practicing patience, Kerrie provides valuable guidance for achieving long-term financial success. Tune in to the full episode to gain a deeper understanding of these principles and learn how to apply them to your own financial journey.
About the Guest(s):* Kerrie Beene: Certified Financial Planner at Rooted Planning Group. * Kate Welker: Certified Financial Planner at Rooted Planning Group.
Episode Summary:In this episode, certified financial planners Kerrie Beene and Kate Welker from Rooted Planning Group dive into the details of the 1040 tax return form. They discuss each line item and explain what it means for taxpayers. From reporting income to deductions and credits, Kerrie and Kate provide valuable insights into how the tax return can tell a story about an individual's financial situation. They also touch on topics such as capital gains, itemized deductions, and the standard deduction. Whether you're a tax expert or just starting to understand your tax return, this episode offers helpful information and tips for optimizing your tax situation.
Key Takeaways:* The total amount from Form W-2, Box 1 represents taxable wages and includes deductions such as retirement plan contributions and health insurance premiums. * Interest and dividends are reported on lines 2 and 3 of the 1040 tax return and can come from various sources such as bank accounts, savings bonds, and investments. * Lines 4, 5, and 6 cover retirement income, including distributions from IRAs, pensions, and annuities. It's important to understand the tax implications of these distributions and consider withholding taxes if necessary. * Line 7 deals with capital gains and losses, which occur when selling assets such as stocks or mutual funds. Long-term capital gains are taxed at a lower rate than ordinary income. * Line 8 includes other income from Schedule 1, which can encompass various sources such as business income, unemployment benefits, alimony, and gambling winnings. * The decision to take the standard deduction or itemize deductions depends on individual circumstances. The standard deduction is often the more beneficial option for many taxpayers. * The qualified business income deduction can provide tax benefits for business owners, allowing them to deduct a portion of their income.
Notable Quotes:* "Your tax return tells a story. It can provide valuable insights into your financial situation and help you make informed decisions for the future." - Kerrie Beene * "Understanding the different tax rates and how they apply to your income can help you optimize your tax situation and potentially save money." - Kate Welker
Resources:* Rooted Planning Group: Website
Don't miss this informative episode where Kerrie Beene and Kate Welker break down the 1040 tax form and provide valuable insights into optimizing your tax situation. Listen now for expert advice and tips on understanding your tax return. Stay tuned for more enlightening content from Rooted Planning Group.
About the Guest(s):Kerrie Beene is a certified financial planner and the chief investment officer at Rooted Planning Group. With years of experience in the financial planning industry, Kerrie is well-versed in helping clients navigate the complexities of taxes, investments, and retirement planning. She is dedicated to educating individuals on the tax bucket strategy and providing them with the tools and knowledge to make informed financial decisions.
Episode Summary:In this episode, Kerrie Beene discusses the tax bucket strategy and its importance in retirement planning. She explains the concept of dividing money into three different tax buckets: tax deferred, tax free, and after tax. The tax deferred bucket includes accounts like 401(k)s and traditional IRAs, where contributions are made with pre-tax money and taxes are paid upon withdrawal. The tax free bucket includes Roth accounts and health savings accounts, where contributions are made with after-tax money and withdrawals are tax-free. The after tax bucket includes checking, savings, and investment accounts that are funded with after-tax money and may be subject to capital gains tax. Kerrie emphasizes the need for flexibility in retirement planning due to the uncertainty of future tax laws. By understanding and utilizing the tax bucket strategy, individuals can have more control over their tax situation in retirement.
Key Takeaways:* The tax bucket strategy involves dividing money into three different tax buckets: tax deferred, tax free, and after tax. * Tax deferred accounts, such as 401(k)s and traditional IRAs, allow contributions to be made with pre-tax money and taxes to be paid upon withdrawal. * Tax free accounts, like Roth accounts and health savings accounts, require contributions to be made with after-tax money, but withdrawals are tax-free. * After tax accounts include checking, savings, and investment accounts that are funded with after-tax money and may be subject to capital gains tax. * Planning for retirement should involve a combination of these tax buckets to provide flexibility and control over future tax situations.
Notable Quotes:1. "The goal is to have some control over your tax situation in retirement." 2. "While it could be better, it could also be worse. So we can plan for the unknown by thinking about different buckets of money that'll provide you with a little bit more flexibility." 3. "The tax deferred bucket or the tax me later bucket... has your 401(k), your traditional IRA, 403(b)s." 4. "The tax free bucket or the tax me never bucket... includes things such as Roth accounts and health savings accounts." 5. "The taxable bucket or the tax me now bucket... includes things such as checking, savings, and investment accounts."
Resources:* Rooted Planning Group: Website
To learn more about the tax bucket strategy and how it can impact your retirement planning, listen to the full episode. Stay tuned for more insightful discussions on taxes, investments, and financial planning from Rooted Planning Group.
About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group. With years of experience in the financial planning industry, Amy is dedicated to helping individuals and families achieve their financial goals. She is known for her expertise in tax planning, retirement planning, and estate planning. Amy is passionate about educating her clients and providing them with the tools and resources they need to make informed financial decisions.
Episode Summary:In this episode, Amy Irvine, CEO and founder of Rooted Planning Group, shares valuable insights on organizing and decluttering your finances. With tax season in full swing, Amy provides guidance on how long to keep tax returns and supporting documents. She also discusses the importance of maintaining healthcare documents, legal documents, and other essential paperwork. Amy emphasizes the significance of securely storing important documents and suggests creating a system to easily access them when needed. Whether you're a small business owner, a homeowner, or a student, Amy offers practical advice on managing and preserving important financial records.
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:* It is recommended to keep state and federal tax returns and supporting documents for about three years. However, if you forgot to report income or have certain deductions, you may need to keep them for a longer period. * Healthcare documents, such as Medicare notices and records related to Medicaid applications, should be kept for specific durations to support your healthcare needs. * Legal documents, including Social Security cards, birth certificates, passports, and estate planning documents, should be stored securely. Copies of important documents should be accessible to trusted individuals, especially healthcare proxies and power of attorney documents. * Debt and asset-related documents, such as investment account statements and loan documents, should be retained for specific periods. Keeping track of cost basis for investments and maintaining records of home office expenses are crucial for tax purposes. * Property-related documents, such as deeds, settlement statements, and insurance policies, should be kept permanently. Additionally, maintaining records of completed coursework and employment contracts is essential.
Notable Quotes:1. "If you think you forgot income to report, then if it's more than 25% of your gross income, you want to keep six years." - Amy Irvine 2. "If you have estate planning documents, such as a will, a trust, a power of attorney, a healthcare proxy, a living will, any beneficiary designation, store those originals." - Amy Irvine 3. "If you're a small business owner, you want to keep a copy of your federal Ein number. This is something you should keep permanently in a secure location." - Amy Irvine 4. "If you have any home improvements, keep receipts or a ledger that documents those because you may be able to adjust up your cost basis of your property if you ever sell the property in the future." - Amy Irvine 5. "If you're currently employed, keep any contract signed, including non-solicit, non-compete agreements." - Amy Irvine
Resources:* Rooted Planning Group
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
As parents, we often find ourselves juggling multiple financial goals, from saving for our children's education to providing them with vehicles and ensuring our own long-term financial security. In this article, we will explore the insights and experiences of a parent who has successfully navigated these competing priorities.
In this episode, Becky Eason interviews Kerrie Beene, a parent who has successfully saved for her children's education while managing other financial priorities. Kerrie shares her experience of opening a 529 savings account for her children when they were young and consistently contributing to it over the years. She also discusses how she encouraged family members to contribute to the 529 as gifts for birthdays and holidays. Kerrie's daughter was able to graduate from college a year early, saving on tuition and room and board expenses. Kerrie also talks about how her children's different interests and circumstances have influenced their financial goals, such as saving for a vehicle. She emphasizes the importance of starting to save early and automating contributions to make it easier.
Key Takeaways* Starting early and automating savings can make a significant difference in achieving financial goals for your children. * Encouraging family members to contribute to a 529 plan can provide a boost to college savings. * Taking advantage of opportunities for dual enrollment and summer classes can help students graduate early and save on tuition. * Balancing the financial support for different children can be challenging, but it's important to consider each child's unique needs and circumstances.
Notable Quotes:* "If you can start saving money when they're young, just knowing who knows what your kid may like or what the future holds, you just never know." - Kerrie Beene * "Teaching your kids, if they do work, to maybe save a little and then from the parent perspective, saving what you can and automating it so you don't have to be thinking about it all the time." - Kerrie Beene
About the Guest(s):* Kerrie Beene is a parent of two children, one in college and one in high school. She has firsthand experience in saving for her children's education and managing competing financial priorities. * Becky Eason is a financial planner at Rooted Planning Group. With a background in finance and a passion for helping clients navigate their financial goals, Becky brings a wealth of knowledge and expertise to her role. She has experience working with clients at various stages of life, from early career professionals to those in retirement. Becky understands the challenges of balancing competing goals and priorities and is dedicated to helping her clients create a financial plan that aligns with their unique circumstances and aspirations.
RESOURCES:* Rooted Planning Group - Website * Money Roots Podcast - Website
Listen to the full episode to gain valuable insights on how to navigate competing goals and priorities in your financial journey. Stay tuned for more episodes of the Money Roots podcast for expert advice and guidance on personal finance.
About the Guest(s):Becky Eason is a financial planner at Rooted Planning Group. With a background in finance and a passion for helping clients navigate their financial goals, Becky brings a wealth of knowledge and expertise to her role. She has experience working with clients at various stages of life, from early career professionals to those in retirement. Becky understands the challenges of balancing competing goals and priorities and is dedicated to helping her clients create a financial plan that aligns with their unique circumstances and aspirations.
Episode Summary:In this episode of the Money Roots podcast, Becky Eason, a financial planner at Rooted Planning Group, discusses the challenges of balancing competing goals and priorities, particularly for individuals in the early stages of their careers. Becky shares her personal experiences and provides practical advice on how to navigate financial decisions when faced with everyday expenses, short-term goals, and long-term goals. She emphasizes the importance of creating a budget, prioritizing goals, and openly communicating with partners about financial aspirations. Becky also highlights the significance of saving for retirement and offers insights on how to allocate resources effectively to achieve multiple goals simultaneously.
Key Takeaways:* Balancing competing goals and priorities is a common challenge faced by individuals at various stages of life, including early career professionals. * Creating a budget is essential to determine available cash flow and identify excess or shortfall of funds. * Short-term goals, such as travel or vehicle replacements, can be achieved by saving a little each month and prioritizing based on personal preferences and financial circumstances. * Long-term goals, like retirement or saving for children's education, should not be neglected, and it is advisable to save at least the amount of the employer match in retirement accounts. * Open communication with partners about financial goals is crucial to ensure alignment and avoid potential tension or misunderstandings.
Notable Quotes:* "Money is a very limited resource, so every day you have to make decisions on how you're going to spend it." - Becky Eason * "Saving for retirement is important, and at the very least, make sure you save the amount of your employer match." - Becky Eason * "Writing down your goals and regularly reviewing them helps you stay true to what you want for yourself and your family." - Becky Eason
Resources:* Rooted Planning Group - Website * Money Roots Podcast - Website
Listen to the full episode to gain valuable insights on how to navigate competing goals and priorities in your financial journey. Stay tuned for more episodes of the Money Roots podcast for expert advice and guidance on personal finance.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
How to Manage Competing Goals: Insights from Rooted Planning GroupAbout the Guest(s):Becky Eason is a long-term team member of Rooted Planning Group. With her extensive experience in financial planning, Becky has helped numerous clients navigate competing goals and make informed decisions about their finances. She specializes in providing guidance on interest rates, credit card debt, and finding ways to save money while achieving financial goals.
Episode Summary:In this episode, Amy Irvine and Becky Eason discuss the challenges and successes clients are facing in the first quarter of 2024. They focus on the topic of competing goals, particularly in relation to interest rates and credit card debt. The conversation explores strategies for managing debt, prioritizing goals, and finding ways to save money. Becky shares her insights on topics such as health insurance options, meal planning, and shopping for bargains. Listeners will gain valuable tips and advice on how to navigate competing goals and make informed financial decisions.
Key Takeaways:* Managing credit card debt: It is important to have a handle on your cash flow and excess funds before making extra payments on credit cards. Without sufficient cash flow, paying down one credit card may result in another card's balance increasing. * Balancing debt and investments: When faced with high-interest credit card debt, it may be more beneficial to invest extra funds rather than paying down the debt. Comparing the potential returns on investments to the interest rates on debt can help inform this decision. * Emergency funds: It is crucial to maintain an emergency fund to avoid relying on credit cards in case of unexpected expenses. While paying down debt is important, depleting emergency funds can lead to further financial stress. * Health insurance options: Exploring different health insurance plans can help save money, especially when there are specific medical needs. Programs like Child Health Plus in New York State can provide better coverage and lower deductibles for children with specialized medical requirements. * Saving on groceries: Meal planning, shopping for bargains, and looking for buy-one-get-one deals can help save money on groceries. Being mindful of prices, opting for healthier options, and freezing bulk purchases can also contribute to savings.
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Prioritize and FocusOne of the first steps in managing competing goals is to prioritize and focus on one goal at a time. Becky suggests going through your list of goals and asking yourself, "If there's only one thing that I could achieve, what would that be?" By identifying your top priority, you can allocate your resources and energy towards that goal, making it more attainable. Once you've achieved that goal, you can move on to the next one.
Becky emphasizes the importance of setting realistic expectations and not putting too much pressure on yourself. It's easy to get overwhelmed when you have multiple goals competing for your attention. By breaking them down and focusing on one at a time, you can make steady progress and avoid feeling discouraged.
Saving on ExpensesOne of the challenges many people face when managing competing goals is finding ways to save money. Rising grocery prices, for example, can put a strain on your budget. Becky suggests several strategies to help you save on expenses and free up more money for your goals.
Meal planning is a simple yet effective way to reduce waste and save money on groceries. By planning your meals in advance and using up items you already have, you can avoid unnecessary trips to the store and make the most of what you already have in your pantry. Additionally, Becky recommends looking for deals and discounts at stores like Aldi's and Save-A-Lot. By being mindful of prices and taking advantage of sales, you can stretch your grocery budget further.
Another area where you can potentially save money is health insurance. Becky shares her personal experience of comparing employer-sponsored plans with a New York state plan for her daughter. By carefully considering the coverage and costs, she was able to find a plan that offered better overall coverage and saved her money in the long run. It's important to explore different options and find the best fit for your specific needs.
You're Not AloneLastly, it's essential to remember that you're not alone in facing competing goals. It's easy to feel isolated or like you're the only one struggling to balance different priorities. However, many people are going through similar challenges. Talking to others and sharing your experiences can provide valuable insights and support.
Becky encourages individuals to reach out to their peers and have open conversations about their financial goals and challenges. By doing so, you may discover that others are facing similar situations and can offer advice or share strategies that have worked for them. Knowing that you're not alone can provide a sense of relief and motivation to keep pushing forward.
In conclusion, managing competing goals requires prioritization, resourcefulness, and a supportive community. By focusing on one goal at a time, finding ways to save on expenses, and seeking support from others, you can make progress towards your financial objectives. Remember, it's a journey, and setbacks are normal. Stay committed, stay flexible, and keep working towards your goals.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
About the Guest(s):Emily Graham is a co-author of the book "Under One Roof: Creating Harmony for Multigenerational Living." She has a decade of experience working in home health, palliative, and hospice care. Emily's expertise in the field, combined with her personal experience of caring for her family members, has shaped her understanding of the challenges and benefits of multigenerational living. She brings a unique perspective to the topic and offers practical advice for families considering this living arrangement.
Episode Summary:In this episode of Money Roots, Amy Irvine interviews Emily Graham, co-author of the book "Under One Roof: Creating Harmony for Multigenerational Living." The book explores the concept of multigenerational living and provides guidance on how families can navigate the challenges and benefits of living together under one roof. Emily shares her personal experience of caring for her family members and discusses the importance of planning and communication in creating a harmonious living arrangement. The episode highlights the need for creative solutions to support aging parents and explores the idea of sharing wealth and resources within the family. Whether it's through remodeling, building separate living spaces, or considering alternative living arrangements, the book offers practical advice and real-life examples to help families make informed decisions about multigenerational living.
Key Takeaways:* Multigenerational living is not a new concept and has been practiced in many cultures around the world. It offers a way for families to support each other and share resources. * The book "Under One Roof" provides a comprehensive guide to multigenerational living, covering topics such as remodeling, creating separate living spaces, and navigating the challenges that may arise. * Separate kitchens and entrances are important considerations when planning for multigenerational living, as they allow for privacy and independence within the shared living space. * The book emphasizes the importance of open communication and setting clear expectations to avoid conflicts and ensure a harmonious living arrangement. * Multigenerational living can be a solution for families looking to prevent their aging parents from moving into nursing homes, but it also offers opportunities for wealth sharing and collaborative projects within the family.
Notable Quotes:* "Planning helps decrease a stressful crisis in someone's life, and that's what I want to impart in my career." - Emily Graham * "This is a return to how people have lived all around the world. Many cultures live this way." - Emily Graham
Resources:* Book: "Under One Roof: Creating Harmony for Multigenerational Living" by Emily Graham, Sharon Nederhouse, and Michael J. Gentry * Amazon * Barnes and Noble
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Navigating Money and Relationships: Insights from a Licensed Clinical Social WorkerAbout the Guest(s):Sheila Nissim is a licensed clinical social worker with extensive experience in psychotherapy. She works with individuals of all ages, helping them navigate various emotional and relational issues. Sheila has a particular interest in the intersection of money and relationships, and she helps clients explore their beliefs, anxieties, and experiences related to money. Through her work, she aims to empower individuals to develop a healthier and more positive relationship with money.
Episode Summary:In this episode of Money Roots, host Kate Welker is joined by Sheila Nissim, a licensed clinical social worker, to discuss the complex relationship between money and relationships. They delve into the psychological aspects of money and how our upbringing and experiences shape our beliefs and behaviors around finances. The conversation highlights the importance of open communication, understanding each other's perspectives, and finding common ground when it comes to managing money as a couple. Sheila emphasizes the need for patience, compassion, and self-reflection in order to navigate the challenges that arise in money-related discussions.
Key Takeaways:* Money is a loaded topic that can evoke various emotions and anxieties in individuals. Understanding our own money stories and beliefs is crucial for developing a healthier relationship with money. * Each person in a relationship may have different experiences and perspectives when it comes to money. It is important to acknowledge and respect these differences, and engage in open and non-judgmental communication. * Combining finances in a relationship can be a significant step. Couples should have conversations about their expectations, fears, and goals related to money. Starting with small steps and gradually building trust and understanding can help navigate this process. * Autonomy and individual financial independence can coexist with shared finances. Couples can consider designating separate accounts for personal expenses while maintaining joint accounts for shared expenses. * Patience, compassion, and self-reflection are essential in money-related discussions. It is important to create a safe space for open dialogue, take breaks when needed, and approach the conversation with a willingness to understand and compromise.
Notable Quotes:* "Understanding what's so upsetting about money is important. It's not only about the money itself; it symbolizes deeper emotions and needs." - Sheila Nissim * "Having separate accounts doesn't mean hiding money; it can be about autonomy and individual needs within a shared financial framework." - Sheila Nissim
To listen to the full episode and gain valuable insights into navigating money and relationships, tune in to the Money Roots podcast. Stay tuned for more engaging discussions on personal finance and emotional well-being.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
In this episode, financial planner Kate Welker discusses the importance of teaching children about money and shares her own experiences and strategies for instilling good money management skills. She emphasizes the value of open communication about finances, introducing children to tangible money, allowing them to make reasonable mistakes, and gradually introducing them to digital payment systems. Kate also highlights the significance of savings accounts and the lessons they teach about budgeting and interest. Tune in for practical tips on raising financially responsible children.
As parents, one of the most important life skills we can teach our children is how to manage money. Money is not an intuitive skill, and it takes time and experience to develop good money management habits. In this episode, we will explore the importance of teaching children about money and share practical tips for instilling good money skills in them.
Key Takeaways* Teaching children about money is an essential life skill that will benefit them in the long run. * Start conversations about money from a young age to help children develop an understanding of its value and how it is used. * Use tangible money, such as coins and dollars, to help children grasp the concept of exchange and the value of money. * Allow children to make reasonable mistakes with money, as it helps them learn valuable lessons about budgeting and decision-making. * Introduce bank accounts and debit cards to older children to teach them about saving, spending, and managing their own finances.
Starting Conversations about MoneyOne of the best ways to teach children about money is to start conversations about it from a young age. Money is often seen as a taboo subject, but it is important to expose children to these conversations so they can develop an understanding of how money works and its role in their lives.
Growing up, I was fortunate to have parents who openly discussed money with me. They would talk about household expenses, such as the cost of repairs or groceries, and involve me in discussions about budgeting and financial decisions. These conversations helped me develop a sense of awareness about money and its value.
In my own family, I have continued this tradition by having conversations with my children about money. We discuss the cost of household expenses, such as internet or streaming services, and I explain to them why we make certain financial decisions. By involving them in these discussions, they gain a better understanding of how money is managed and the importance of making informed choices.
Using Tangible MoneyIn today's digital age, it is easy for children to lose touch with the concept of money as a tangible object. With the prevalence of credit cards and digital payment systems, children may not fully grasp the value of money and the exchange that takes place when making a purchase.
To help children understand the concept of exchange and the value of money, it is important to use tangible money, such as coins and dollars. When making purchases, let your children hand over the money and experience the transaction firsthand. This helps them develop a sense of responsibility and understand that money is exchanged for goods or services.
Additionally, encourage children to save their own money and see it grow over time. Opening a bank account for them and explaining the concept of interest can be a great way to teach them about saving and the benefits of long-term financial planning. Seeing their savings increase and setting goals for their money can be exciting and motivating for children.
Allowing Reasonable MistakesMaking mistakes is a natural part of learning, and the same applies to money management. Allowing children to make reasonable mistakes with money can be a valuable learning experience for them. It teaches them about the consequences of their financial decisions and helps them develop better money management skills.
For example, if your child wants to buy a toy or a video game, let them make the purchase with their own money. If they later realize that they didn't really want or need the item, it can be a lesson in buyer's remorse and the importance of thoughtful spending. These small mistakes can help children understand the value of their money and make better decisions in the future.
It is important, however, to provide guidance and support to prevent children from making significant financial mistakes. As they get older and have more responsibility, such as a part-time job or an allowance, encourage them to budget their money and make informed choices. Teach them about the importance of saving, budgeting, and avoiding unnecessary debt.
Introducing Bank Accounts and Debit CardsAs children grow older and become more independent, it is important to introduce them to the world of banking and financial management. Opening a bank account for them and providing them with a debit card can be a great way to teach them about saving, spending, and managing their own finances.
Having a bank account allows children to see their money grow and understand the concept of interest. It also teaches them about the responsibilities that come with managing their own finances, such as tracking their balance, avoiding overdraft fees, and protecting their card and personal information.
Recently, I introduced my own children to the world of debit cards. While I initially had reservations about the convenience of digital payments, I realized that it is essential for them to learn how to manage their finances in a digital world. We discussed terms like deposits, transfers, and available balance, and they now have a better understanding of how to use their debit cards responsibly.
ConclusionTeaching children about money is an important responsibility for parents. By starting conversations about money, using tangible money, allowing reasonable mistakes, and introducing bank accounts and debit cards, we can help our children develop essential money management skills.
Remember, every child is different, and it is important to tailor your approach to their individual needs and abilities. By instilling good money habits from a young age, we can set our children up for a lifetime of financial success.
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Episode Summary:In this episode, Amy Irvine and Kate Welker discuss the integration of money within relationships, specifically focusing on couples. They provide tips and suggestions for having open and productive conversations about money, even when one partner may be hesitant. The hosts emphasize the importance of setting regular "money dates" to review finances, celebrate wins, and address any concerns. They also explore the psychology of money within relationships, highlighting how different individuals may view money through the lens of survival, safety and security, love and belonging, self-esteem, or self-actualization. By understanding each partner's money personality, couples can navigate potential conflicts and find common ground.
Key Takeaways:* Setting regular "money dates" can help couples stay on the same page about their finances, celebrate wins, and address any concerns. * When one partner is hesitant to discuss money, starting with small conversations in casual settings can gradually involve them in financial discussions. * Understanding each partner's money personality, such as viewing money through the lens of survival, safety and security, love and belonging, self-esteem, or self-actualization, can help couples navigate potential conflicts and find common ground. * Couples should communicate openly about their financial goals, values, and concerns to ensure both partners feel involved and understood. * Celebrating financial wins, no matter how small, can create a positive and joyful environment around money within a relationship.
Notable Quotes:* "Just coming together and looking at where are we, maybe digging your head out of the sand a little bit to look at things together, if that is causing a roadblock or celebrate wins, too, while you're doing it." - Kate Welker * "Where can you start that there is that common ground? And then how do you build around that?" - Amy Irvine * "Understanding your style becomes so important in your communication." - Kate Welker * "By understanding yourself and your partner, you can navigate potential conflicts and find common ground." - Amy Irvine * "Having that check-in and looking at it and the understanding and the confidence and where the numbers are coming from." - Kate Welker
Resources:* Rooted Planning Group website: rootedpg.com
Setting Money Dates: Celebrating Wins and Addressing ChallengesOne effective strategy for couples to stay on the same page financially is to set regular money dates. These dates provide an opportunity to review the state of their finances, celebrate achievements, and address any challenges they may be facing. Amy Irvine and Kate Welker emphasize the importance of creating a positive and joyful atmosphere during these conversations.
For Amy and her husband, they have an annual financial summit every January. They review their spending plan, track their expenses, and discuss areas where they may need to make adjustments. By approaching this process as a team, they are able to identify areas of overspending, such as wine purchases, and make necessary changes. Kate, on the other hand, has more casual conversations with her husband, discussing the status of their finances and upcoming expenses during car rides or while relaxing at home.
The key takeaway from these approaches is that couples should find a system that works for them. Whether it's a formal financial summit or more informal check-ins, the goal is to ensure both partners are aware of their financial situation and can make decisions together. By celebrating wins and addressing challenges as a team, couples can strengthen their financial bond and reduce stress around money.
Engaging Reluctant Partners in Financial ConversationsIn some relationships, one partner may be hesitant to discuss money or take an active role in financial matters. This can create a burden on the partner who handles the finances and may lead to feelings of anxiety and stress. In such cases, it is important to approach the conversation with empathy and understanding.
Amy and Kate suggest starting with small steps to involve the reluctant partner in financial discussions. This can be as simple as sharing brief updates on the state of the finances during casual moments, such as car rides or while watching TV. By gradually increasing their involvement, the reluctant partner may feel more comfortable and willing to take on additional responsibilities.
It is also crucial to have open and honest communication about the impact of financial anxiety on the relationship. If one partner is feeling overwhelmed by the responsibility of managing the finances alone, they should express their concerns and ask for support. By sharing the emotional burden, couples can work together to find a balance that works for both of them.
Understanding Money Personalities: Finding Common GroundEach individual has their own unique money personality, shaped by their upbringing, experiences, and values. Understanding these money personalities can help couples navigate conflicts and find common ground. Amy and Kate highlight the importance of recognizing the different perspectives that arise from varying money personalities.
One common money personality is the safety and security mindset. Individuals with this mindset prioritize financial stability and may feel anxious when bank accounts drop too low or debt increases. They view money as a means of survival and may struggle to see gifts or spending as expressions of love. On the other hand, individuals with a love and belonging mindset see money as a way to express their affection and may prioritize spending on others, even at the expense of their own financial security.
Conflicts can arise when partners with different money personalities clash. For example, a safety and security-minded individual may feel threatened by their partner's spending, while the love and belonging-minded partner may feel misunderstood. By recognizing and discussing these differences, couples can find ways to compromise and meet each other's needs.
Another important money personality is self-esteem. Individuals with a self-esteem mindset may view certain purchases as necessary for building confidence and self-worth. They may feel judged by others and believe that spending money on themselves is essential for their well-being. Understanding this mindset can help partners support each other's emotional needs while maintaining financial responsibility.
By acknowledging and respecting each other's money personalities, couples can work towards finding a balance that aligns with their shared values and goals. This understanding can foster empathy and reduce conflicts related to money.
ConclusionNavigating the complexities of financial relationships requires open communication, empathy, and an understanding of each other's money personalities. Setting regular money dates can help couples stay on the same page and celebrate financial wins together. When one partner is reluctant to discuss money, starting with small conversations and gradually increasing involvement can help them feel more comfortable. Understanding and respecting each other's money personalities can also help couples find common ground and reduce conflicts.
By approaching money as a team and supporting each other's emotional needs, couples can build a strong foundation for their financial future. Remember, it's not just about the numbers; it's about the journey and the joy that comes from working together towards shared goals.
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
In this episode, Amy Irvine, CEO and founder of Rooted Planning Group, discusses the financial issues to consider when facing job loss. She provides valuable tips and insights to help individuals navigate through this challenging period. Amy covers topics such as cash flow management, health insurance options, debt management, retirement accounts, and tax planning. She emphasizes the importance of reviewing budgets, exploring available resources, and seeking assistance when needed. Listeners will gain practical advice and strategies to help them maintain financial stability during a job loss.
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:* Evaluate your cash flow and emergency funds to determine how long they can sustain you during a period of unemployment. * Explore options such as severance packages, unemployment benefits, and flexible spending accounts to supplement your income. * Consider health insurance options, including COBRA, marketplace plans, and Medicare, to ensure continued coverage. * Contact lenders to discuss possible payment reductions or deferments for student loans and credit cards. * Review retirement accounts and consider options such as loan repayments, distributions, or rollovers. * Take advantage of tax planning opportunities in a low-income year, such as Roth conversions and deductible contributions. * Be aware of non-solicitation or non-compete agreements and their impact on job searching. * Update contact information and online subscriptions associated with your previous employer's email address. * Seek outplacement services and utilize professional networks to aid in your job search.
Resources:* Rooted Planning Group website: https://www.rootedpg.com/ * Rooted Planning Group Checklist: https://www.rootedpg.com/s/What-Issues-Should-I-Consider-If-I-Lose-My-Job-2024.pdf * Marketplace health insurance: https://www.healthcare.gov/ * Medicare: https://www.medicare.gov/
Losing your job can be a challenging and emotional experience, but by understanding the key issues and taking proactive steps, you can navigate this period with greater confidence. Assessing your cash flow, understanding your benefits, reviewing and adjusting your budget, exploring alternative income sources, addressing health insurance concerns, communicating with lenders, evaluating retirement account options, leveraging home equity options, exploring tax planning opportunities, navigating non-compete agreements, and updating your contact information are all crucial aspects to consider.
Remember, this is a temporary setback, and with careful planning and perseverance, you can overcome this challenge and find new opportunities. Reach out to resources available to you, such as recruiters and career services, and don't hesitate to seek professional financial advice to ensure you make informed decisions during this transition.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Financial Wellness: Tips for a Successful YearAs we enter a new year, many of us have resolutions and goals in mind, but sometimes it can be challenging to find the momentum to get started. In this article, we will explore some financial tips and ideas to help you kickstart your journey towards financial wellness. Whether you are already on track or looking to make changes, evaluating your current situation and aligning your values with your financial goals are essential steps to take. Let's dive in and explore these key themes in more detail.
Key Takeaways:* Evaluate your current financial situation and determine if there are any changes or goals you want to pursue. * Align your values with your financial goals to ensure your spending is in line with what is most important to you. * Take practical steps such as tracking your expenses, exploring cash back credit cards, and reviewing your insurance coverages to optimize your financial wellness.
Evaluating Your Financial SituationBefore embarking on any financial journey, it is crucial to evaluate your current situation. Take a moment to assess your goals and determine if there are any changes you want to make. If you find yourself content with your financial life, congratulations! You have likely put in the hard work to reach that point. However, if you have goals or know someone who does, it's important to share these tips with them.
Aligning Your Values with Your Financial GoalsTo ensure your financial wellness, it is essential to align your values with your financial goals. Assigning a purpose to every dollar you earn will help you prioritize your spending and make intentional choices. Consider what is truly important to you and evaluate if your current spending aligns with those values. For example, if you find yourself spending extra money at the grocery store, consider redirecting those funds towards goals that hold more value for you. Additionally, take the time to review your insurance coverages and make sure they align with your needs.
Practical Steps for Financial WellnessOnce you have evaluated your financial situation and aligned your values with your goals, it's time to take practical steps towards financial wellness. Start by tracking your monthly income and expenses. This can be as simple as creating a spreadsheet or writing it down on paper. By doing so, you can identify areas where you can save or reallocate funds towards your goals.
Consider exploring cash back credit cards that offer higher interest rates than your savings account. This option is suitable for individuals who pay off their credit card balance in full each month. By using a cash back credit card for everyday expenses like groceries, you can earn rewards that can be put towards your goals.
Another practical step is to review the interest rates on your loans. If you have loans with high-interest rates, consider putting additional money towards paying down the principal balance. This will help you save on interest payments in the long run.
Checking Your Credit Report and Living Below Your MeansTo ensure your financial wellness, it's important to regularly check your credit report for any discrepancies or fraudulent activity. This will help you maintain a good credit score and protect yourself from identity theft. Additionally, consider freezing your credit to prevent unauthorized access.
Lastly, learning to live below your means is a crucial aspect of financial wellness. By spending less than you earn, you create a cushion that allows you to save for future goals and unexpected expenses. Take the time to assess your expenses and ensure they align with your values. Avoid falling into the trap of keeping up with societal pressures and focus on what truly matters to you.
ConclusionIn conclusion, achieving financial wellness requires evaluating your current situation, aligning your values with your goals, and taking practical steps towards financial success. By tracking your income and expenses, exploring cash back credit cards, reviewing your insurance coverages, and living below your means, you can set yourself up for a successful financial year. Remember, if you feel overwhelmed, don't hesitate to seek help from professionals who can guide you on your journey towards financial wellness.
As first-time moms, Becky Eason and Liz Zemak have embarked on a journey filled with joy, challenges, and learning experiences. In this episode, we will delve into their insights and tips on how to navigate the world of motherhood while also taking care of their health and finances. Both Becky and Liz are members of the Rooted Planning Group, a women-owned financial planning group that empowers women to take control of their financial futures. Let's explore the main themes they discussed and the implications they have for new moms.
Summary:
Becky and Liz, first-time moms and members of the Rooted Planning Group team discuss their experiences and provide tips on health and financial planning for new moms. They emphasize the importance of finding time for self-care, incorporating outdoor activities, and reflecting on personal goals. In terms of financial planning, they recommend starting early by setting up brokerage accounts or 529 plans for their children. They also discuss the importance of teaching children financial responsibility and monitoring their spending habits.
Key Takeaways:
- Finding time for self-care is essential for new moms, even if it's just a few minutes each day.
- Incorporating outdoor activities, regardless of the weather, can benefit both moms and children.
- Starting early with financial planning by setting up brokerage accounts or 529 plans can provide future financial security for children.
- Teaching children financial responsibility and monitoring their spending habits are crucial for their financial well-being.
Quotes:
- "Just take whatever moments you can for yourself, and know that it's important and that it is okay." - Liz Zemak
- "Even if you're not doing the full taking care of yourself that you were beforehand, finding time to even go for a walk and make that your family time." - Becky Eason
- "Just start something and know that you're going to have to monitor what is best for your child." - Liz Zemak
- "It's so easy to want to spend money on your child that you forget about spending money on yourself." - Becky Eason
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
As we enter a new year, many of us have set resolutions to improve our health and financial well-being. It's no secret that nutrition and financial planning are both important aspects of our lives, but have you ever considered the similarities between the two? In this edition of Money Roots, we explore the connection between nutrition and financial planning and how they can impact our overall well-being.
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Summary:
In this episode of the Money Roots podcast, Amy Irvine and Liz Lemak discuss the connection between nutrition and financial planning. They highlight three key similarities between the two:
- Food as Fuel: Just as nutrition is important for fueling the body, financial planning involves being intentional about what you're putting into your portfolio. Both require mindfulness and a long-term perspective.
- Ingredients Matter: Paying attention to the ingredients in your food is crucial for maintaining good health. Similarly, when building a portfolio, it's important to carefully consider the ingredients, or investments, that make up your portfolio. Being mindful of what you're putting in and how it aligns with your long-term goals is essential.
- Macronutrients and Micronutrients: Nutrition involves balancing macronutrients (fats, carbohydrates, and proteins) and micronutrients (vitamins and minerals) for optimal health. Similarly, a well-diversified portfolio includes a balance of equities (macronutrients) and fixed income investments (micronutrients) to ensure long-term success.
Taking care of your health, both through nutrition and financial planning, is important for overall well-being and can have a significant impact on your future.
Key Takeaways:
- Food is fuel for the body, and financial planning involves being intentional about what you're putting into your portfolio.
- Pay attention to the ingredients in your food and the investments in your portfolio to ensure they align with your long-term goals.
- Balancing macronutrients and micronutrients in nutrition is similar to balancing equities and fixed income investments in a portfolio.
Fueling Your Body and Your PortfolioWhen it comes to nutrition, one of the key principles is to view food as fuel for your body. Liz Lemak, a nutrition and fitness expert, emphasizes the importance of being intentional about what we put into our bodies. She explains, "If you know you're going to be extra active on a certain day, make sure you're fueling yourself enough. And on days when you're taking it easy, be mindful of what you're eating."
This concept of being mindful and intentional applies to financial planning as well. Just as we need to fuel our bodies with the right nutrients, we also need to fuel our portfolios with the right investments. Liz highlights the importance of building a portfolio that aligns with our long-term needs and goals. She states, "It's not about getting rich quick, but rather building habits and routines that will serve us well in the long run."
Ingredients Matter: What's in Your Food and Your PortfolioWhen it comes to nutrition, paying attention to the ingredients in our food is crucial. Liz advises, "Flip the box over, pay attention to the calories, serving size, and the ingredients. Be mindful of what you're putting into your body." This awareness allows us to make informed choices about what we consume and how it affects our health.
Similarly, when it comes to financial planning, the ingredients in our portfolio matter. Liz compares the ingredients in our food to the investments in our portfolio, stating, "When we do portfolio reviews, we look at the different investments within a portfolio. We pay attention to the ingredients, so to speak, that make up a certain fund or company." It's important to carefully consider the investments we choose and ensure they align with our long-term goals.
Macronutrients and Equities: Finding the Right BalanceIn the world of nutrition, macronutrients play a vital role in providing our bodies with energy. Liz explains, "You have your fats, carbohydrates, and proteins. They all have a purpose and a reason to give us energy." It's important to find the right balance of these macronutrients based on our individual needs and preferences.
Similarly, in financial planning, equities can be compared to macronutrients. Liz advises, "Don't cut out a certain sector or focus too heavily on one sector. It's important to have a balanced portfolio." Just as we need a balance of macronutrients for optimal health, we need a balanced portfolio to achieve our financial goals.
On the other hand, micronutrients in nutrition are like fixed income investments in our portfolio. Liz explains, "They help fuel us for the long term. Things like bonds and CDs provide stability and act as a safety net for our portfolio." It's important to consider both equities and fixed income investments to ensure a well-rounded and resilient portfolio.
The Impact on Health and RetirementThe connection between nutrition and financial planning becomes even more significant when we consider the impact on our health and retirement. Amy Irvine, the host of Money Roots, highlights the correlation between the two. She explains, "If you are someone who will require a lot of healthcare in retirement and you're not taking care of your nutrition, then your portfolio may need to be more risky or you'll have to cut out other expenses to pay for your healthcare."
Our health plays a crucial role in our financial well-being, especially in retirement. Taking care of our nutrition and overall health can help reduce healthcare costs and ensure a more secure retirement. Amy emphasizes the importance of strong roots in both our financial and physical health, stating, "If your roots are strong, if your health is strong, then your branches can be strong."
Conclusion and Future OutlookThe connection between nutrition and financial planning is undeniable. Both require mindfulness, intentionality, and a long-term perspective. By viewing food as fuel for our bodies and investments as fuel for our portfolios, we can make informed choices that support our overall well-being.
As we move forward, it's important to continue exploring the connection between nutrition and financial planning. By understanding the impact of our choices on our health and retirement, we can make better decisions that align with our long-term goals. Let us remember that our health is our first wealth, and by nourishing our bodies and portfolios, we can build a strong foundation for a prosperous future.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Live Like an Otter: Finding Happiness in Everyday MomentsWelcome to the first episode of Money Roots, where we explore the intersection of personal finance and personal growth. Today, I am thrilled to have Sandra Miller, a happiness coach and host of the sassy podcast "A Sassy Little Podcast," as our guest. Sandra has embarked on a journey to find happiness and has now become a happiness coach herself. In this episode, we delve into Sandra's personal journey, the concept of happiness coaching, and how we can all cultivate more happiness in our lives.
Key Takeaways:
- Authentic happiness comes from within and is not dependent on external factors.
- Gratitude and appreciation are powerful tools for building happiness.
- Shifting one's perspective and allowing oneself to be happy are key steps in the happiness journey.
- Feeling all emotions is important, but it's possible to come back to a baseline of happiness.
- Small moments of joy and fun can have a significant impact on overall happiness.
About The Guest(s):
Sandra Miller is a happiness coach and the host of a popular podcast. She embarked on a journey to find happiness after feeling a lack of optimism and joy in her life. Through her own experiences and research, she discovered the power of authentic happiness and decided to become a happiness coach to help others find their own happiness.
A Sassy Little Substack | Sandra Ann Miller | Substack
asassylittle.com
Home | Sassy Little Podcast
Email Sandra - sassy@asassylittle.com
Don't miss out on valuable insights and empowering financial advice! Subscribe to "Money Roots" today to embark on a journey of financial growth and empowerment. Join host Amy Irvine as she simplifies personal finance, making it accessible to everyone, from beginners to seasoned experts. By subscribing, you'll stay up-to-date with each episode, gaining access to practical tips, inspiring stories, and expert insights that will help you take control of your financial future. Whether you're looking to budget smarter, invest wisely, or secure your retirement, "Money Roots" has something for everyone. Subscribe now and start nurturing your financial well-being!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
The Journey to HappinessSandra shares that she had been in a bit of a funk since the end of 2016, feeling a lack of optimism and overall dissatisfaction. However, by the end of 2022, she realized that something needed to change. She wanted to be happy, but not in a superficial or toxic way. Sandra emphasizes that happiness is not about pretending everything is great or ignoring negative emotions. It is about authentic happiness, feeling all of our feelings, and understanding that we can always find our way back to happiness.
"I wanted to be happy. And I'm going to do a big caveat right now in saying happiness is one thing. Toxic positivity is the antithesis of happiness. So this isn't putting on a smile. This isn't pretending like everything's great. This is really getting into authentic happiness, feeling all of your feelings, being in whatever mood you're going to be in, but also understanding you can get back to being happy."
The Role of a Happiness CoachSandra stumbled upon the concept of happiness coaching during her journey to find happiness. She realized that she wanted to help others find their own happiness and become a happiness coach herself. But what exactly does a happiness coach do?
"For me, I kind of spent all of 2023 making sure my philosophy kind of worked because what was important to me was that I still got to be me. I didn't have to turn into a pod person... I wanted to keep all of that because even though those aren't necessarily wonderful traits that everybody wants to aspire to, I kind of like those parts of myself. So I didn't want to have to abandon who I was in order to be happy."
Sandra explains that a happiness coach helps individuals discover their own happiness by focusing on two types of happiness: hedonic and eudaimonic. Hedonic happiness is derived from external factors such as material possessions, experiences, and relationships. On the other hand, eudaimonic happiness comes from within, from knowing one's worth, understanding one's purpose, and appreciating what one has.
Building the Foundation of HappinessSandra believes that happiness starts with the little things in life. It is about finding joy in everyday moments and shifting our perspective to appreciate what we have. She encourages individuals to give themselves permission to be happy and to pay attention to the moments that bring them joy.
"It's really important that we learn to be happy. And it's really as simple as two steps. Give yourself permission and shift your perspective... So allow yourself, like literally say, I allow myself to be happy... and then just pay attention. If you're in a good mood, kind of wonder why. Think about it for a little bit. Oh, yeah, I got that green light. I was on time for work today. That kind of stuff."
Sandra emphasizes that building happiness is a gradual process, akin to building a foundation with Lego blocks. It may seem silly at first, but by focusing on the little things that bring us joy, we can gradually strengthen our happiness muscle.
Authenticity and Feeling All EmotionsOne of the misconceptions about happiness is that it requires suppressing or ignoring negative emotions. Sandra dispels this notion and emphasizes the importance of feeling all emotions authentically.
"You have to feel all of your feelings. They're telling you something. They're telling you something about yourself and the situation you're in. They're there to teach you, not to annoy you... You're going to feel everything. And just because you feel another emotion doesn't mean you're unhappy... It's just you're having this experience in this moment, and that's fine."
Sandra encourages individuals to embrace their authentic selves and to allow themselves to experience a range of emotions. Being happy doesn't mean being a doormat or ignoring the challenges of life. It means finding peace within oneself and being able to return to a state of happiness even amidst difficult circumstances.
The Power of Gratitude and AppreciationGratitude plays a significant role in cultivating happiness, but Sandra prefers to use the term "appreciation" to avoid the association with toxic positivity. She suggests taking the time to appreciate and be thankful for the things that make us happy, no matter how small.
"If you are thankful for things, if you are appreciative of things... write it down. Even if it's just three things or just mentally note three things in the morning and the evening that you're grateful for, that you're thankful for, that you appreciate, that made your day easier... because a lot of this is the words around it... Because when you appreciate something or when something is appreciating, it's growing."
Sandra highlights the importance of acknowledging and expressing appreciation for the positive aspects of our lives. By doing so, we can shift our focus from what is lacking to what we already have, fostering a sense of contentment and happiness.
Spreading Happiness and Finding ConnectionLoneliness and the feeling of being alone in our struggles can hinder our happiness. Sandra believes that coming together as a community and sharing our experiences can be incredibly powerful in cultivating happiness.
"I think we need to remind ourselves of that, that we've been on overload for so long, and the people around us are on overload for so long that if we can start bringing in some happiness and some joy, it really does benefit everyone around us... It's not that binary. It's not like if I'm happy, I'm ignoring everything else... You're present with what's happening in the world, but you're also present with how you're feeling as you."
Sandra envisions hosting seminars and workshops to bring people together and create a space for sharing experiences and learning from one another. By finding connection and realizing that we are not alone in our pursuit of happiness, we can uplift and support each other on our individual journeys.
The Future of Happiness CoachingSandra plans to continue offering webinars and individual coaching sessions to help individuals find their own happiness. She aims to create a safe and supportive environment where people can explore their own happiness and set and achieve their goals.
"I'm doing what I call podlets for my paid subscribers on Substack, which is just shorter versions of the podcast, and just to kind of get my feet wet again in doing that because it's just so much fun... I do want to get back to that. So I'm hoping maybe by mid-year."
Sandra also plans to revive her podcast, "A Sassy Little Podcast," in the future, as it was a source of joy and connection for her. She believes that laughter and fun are essential components of happiness and hopes to continue spreading happiness through her podcast.
Conclusion: Living Like an OtterIn conclusion, Sandra Miller's journey to happiness and her role as a happiness coach offer valuable insights into cultivating happiness in our lives. By giving ourselves permission to be happy, shifting our perspective, and appreciating the little things, we can build a foundation of happiness that sustains us through life's ups and downs. Authenticity, feeling all emotions, and expressing gratitude or appreciation further contribute to our overall happiness.
As we navigate the challenges of life, it is essential to remember that happiness is not about ignoring or suppressing negative emotions. It is about finding peace within ourselves and being able to return to a state of happiness even amidst difficult circumstances. By embracing our authentic selves and allowing ourselves to feel all emotions, we can experience true happiness.
Sandra's vision of creating a community of individuals on the happiness journey is a powerful reminder that we are not alone. By coming together, sharing our experiences, and supporting one another, we can uplift and inspire each other to live happier lives.
So, let us all take a page from Sandra's book and live like otters—finding joy in everyday moments, making life fun, and spreading happiness wherever we go. May this new year be filled with laughter, appreciation, and the pursuit of authentic happiness.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome to the final edition of Wine and Dime for 2023! As we wrap up the year, I am thrilled to have the whole team here today to share our favorite financial tips. But before we dive into that, I want to make a special announcement. In 2024, we will be rebranding the podcast as Money Roots. This exciting change will bring a fresh perspective and allow us to explore a wider range of topics related to personal finance. So, stay tuned for an even more engaging and informative podcast next year!
Now, let's get back to the main focus of today's episode. Each member of our team will be sharing their one financial tip that they hope you will take with you into 2024. These tips are not only applicable to your finances but can also be applied to various aspects of your life. So, without further ado, let's hear from our team!
Key Takeaways:
- Discipline is freedom: Applying discipline to all areas of life, including finances, can lead to a sense of freedom and progress.
- Start small: Taking small steps towards financial goals can build discipline and lead to long-term success.
- Reflect on joy: Reflecting on what brings joy and setting intentions to continue those experiences can enhance overall well-being.
- Let go of past mistakes: Dwelling on past financial mistakes can hinder progress, so it's important to focus on the present and future.
- Embrace new challenges: Doing something scary can lead to personal growth and positive outcomes.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Discipline is Freedom: A Tip for LifeKerrie Beene kicks off our discussion with a powerful tip that applies to all areas of life, including finances. She shares, "Discipline is freedom. It's a skill that you can apply to every area of your life." Carrie emphasizes the importance of not procrastinating and taking care of things upfront. By being disciplined, we can avoid piling up tasks and instead experience a sense of freedom and control. This tip is especially relevant when it comes to managing our finances and not ignoring important financial matters.
Start Small: Setting Yourself Up for SuccessLiz Zemak builds on Carrie's tip by encouraging listeners to start small when implementing change. She advises, "Take little bite-sized amounts that you can handle. Start small and set yourself up for success." Liz highlights the significance of starting with achievable goals, even if it's just saving a small amount each week. By starting small and experiencing success, we can build discipline and gradually work towards bigger financial goals.
Reflecting on Joy: Setting Intentions for the FutureBecky Eason suggests using the end of the year as a reflection point to identify what brought you joy and how you can continue that into the next year. She explains, "Think about what you spent money on that brought you joy and what you're proud of." By reflecting on joyful experiences and spending habits, we can set ourselves up for continued happiness and make intentional choices that align with our values. This practice can be particularly valuable when setting financial goals and making spending decisions.
Life Happens: Embracing Change and Moving ForwardKate Welker reminds us that life happens and that we should not dwell on past mistakes or missed opportunities. She shares, "Life happens. You can't change what you did, but let's make a plan to go forward." Kate emphasizes the importance of letting go of shame and regrets and instead focusing on creating a new perspective and setting new intentions. This tip is especially relevant for those who may have made financial mistakes in the past and need to shift their mindset to move forward.
Do Something Scary: Embracing Growth and ChangeAs the host of the podcast, I want to share my own tip for the new year: do something scary. I encourage listeners to step out of their comfort zones and embrace opportunities for growth and change. I share, "This year, we've been doing a lot of things that have made me lay in bed at night and worry, and you know what? The result has not been as scary as I made it." By taking risks and facing our fears, we open ourselves up to new possibilities and experiences. This tip can be applied to both our personal and financial lives, as it encourages us to challenge ourselves and pursue our goals with courage and determination.
Conclusion: Looking Ahead to Money RootsAs we wrap up this episode and the year, I want to express my gratitude to all our listeners and to TJ Meehanof Meehan Media for his invaluable support in producing the podcast. I am excited about the future of Money Roots and the opportunity to bring you even more engaging and informative content in 2024. We hope that these financial tips from our team will inspire you to make positive changes in your life and set yourself up for a successful and fulfilling year ahead. Cheers to a bright future and a prosperous 2024!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
As the year comes to a close, it's natural for us to reflect on our experiences and prepare for the holiday season. However, for many families, this time of year can also stir up a mix of emotions, particularly when it comes to finances. In this podcast episode, we delve into the complex dynamics of family, finance, and the emotional impact it can have during the holidays.
Key Takeaways:
- Families can have different approaches to money, even if they were raised under the same roof.
- Understanding the input, throughput, output, and feedback of family finances can help manage emotions around money.
- Setting ranges of comfort, eliminating negative feedback, establishing patterns of interaction, and using positive feedback loops can improve family financial discussions.
- Asking questions about spending that brings joy, things to be proud of, and what one can't imagine life without can help align spending with values.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
The Complexity of Family SystemsTo understand the dynamics at play, it's important to consider the concept of family as a system. According to general systems theory, families are open systems that continuously interact with their environment. They sustain themselves through the exchange of resources, such as money, time, labor, and energy. However, families can also exhibit characteristics of closed systems, where they become insulated or isolated within their environment.
When it comes to family finances, we can break down the system into four key components: input, throughput, output, and feedback. Input refers to the money and resources a family receives, while throughput involves the processes used to convert those inputs into products or services. Output represents the goods and services that the family utilizes, and feedback provides information to make the system more efficient.
Navigating Differences in Family ValuesOne of the challenges that families often face is navigating differences in values and approaches to money, even when raised under the same roof. This can lead to tension and disagreements, especially during the holiday season when financial decisions are at the forefront. To address these differences, it's essential to establish clear family rules and guidelines.
Firstly, families should define the range of behaviors they are comfortable with when it comes to finances. This allows for a middle ground where everyone's needs and preferences are considered. Secondly, it's important to eliminate negative feedback and punishment as mechanisms for enforcing financial rules. Instead, focus on positive feedback and constructive conversations that promote growth and understanding.
Setting patterns of family interactions is another crucial aspect. By establishing how the family will react and handle situations when financial boundaries are breached, you can create a supportive and respectful environment. Lastly, recognize the power of positive feedback loops and incorporate them into your family dynamics. Celebrate and reinforce behaviors that align with your financial goals and values.
The Power of Positive ConversationsAs we approach the holiday season, it's an opportune time to engage in positive conversations about money and values within the family. Reflecting on the past year, ask yourselves what financial decisions or experiences have brought you joy. This exercise helps identify the areas where your money is aligned with your values and can guide future spending decisions.
Additionally, consider what you are proud of, both financially and non-financially. This broader perspective allows you to appreciate the progress you've made as a family and reinforces positive behaviors. Finally, imagine life without certain aspects that bring you joy or fulfillment. This exercise helps prioritize your spending and focus on what truly matters to you as a family.
Implications and Future OutlookBy addressing the emotional aspects of family finances, we can create a healthier and more harmonious environment. Open and honest conversations about money can lead to a deeper understanding of each family member's values and priorities. This, in turn, allows for more effective financial planning and decision-making.
As we look to the future, it's important to continue these conversations and adapt as circumstances change. Financial dynamics within families evolve over time, and it's crucial to regularly reassess and realign your goals and values. By maintaining open lines of communication and a willingness to compromise, families can navigate the complexities of finance and strengthen their relationships.
In conclusion, the holiday season can be a time of joy and celebration, but it can also bring about financial stress and emotional turmoil within families. By understanding the dynamics of family systems and implementing positive communication strategies, we can create a more harmonious and fulfilling experience. As we embark on a new year, let us prioritize open and honest conversations about money and values, ensuring that our financial decisions align with our true priorities as a family.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Amy Irvine discusses important financial considerations to keep in mind before the end of the year. She covers topics such as unrealized investment losses, capital gain distributions, required minimum distributions (RMDs), qualified charitable distributions (QCDs), income and tax planning, capital gains, thresholds for tax brackets and Medicare premiums, business expenses, retirement plans, changes in marital status, maximizing health savings accounts (HSAs), insurance planning, estate planning, and financial aid strategies for college.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:
- Consider taking losses on unrealized investments in taxable accounts before the end of the year.
- Include end-of-year capital gain distributions in tax estimates for taxable accounts.
- Ensure compliance with RMD requirements, including from inherited IRAs.
- Utilize QCDs for charitable giving to avoid claiming income from IRA donations.
- Plan for future income changes and consider IRA contributions, conversions, and Roth contributions.
- Utilize carry forward losses and be aware of tax thresholds for various deductions and surcharges.
- Consider maximizing charitable contributions to potentially itemize tax returns.
- Evaluate income tax implications of future windfalls or stock options.
- Explore QBI deductions for pass-through income from businesses.
- Consider deferring or accelerating business expenses to optimize tax liability.
- Update W-4 forms after changes in marital status to avoid unexpected tax bills.
- Maximize contributions to HSAs, retirement plans, and 529 plans before year-end.
- Utilize FSA funds before the end of the year and be aware of rollover and grace period options.
- Review estate plans for changes in family or assets and consider annual exclusion gifts.
- Implement financial aid strategies for college, such as reducing income in specific years.
Links to the Checklists Mentioned in this episode
- Important Numbers 2024
- Important Numbers 2023
- What Issues Should I Consider Before the End of the Year?
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
In this episode, Amy Irvine continues the conversation on the challenges faced by the sandwich generation, those who are simultaneously caring for their aging parents and their own children. She provides practical advice on various aspects of caregiving, including healthcare plans, transportation options, community involvement, hiring a fiduciary, and backing up important documents. Amy also discusses the benefits of considering a continuing care retirement community and emphasizes the importance of having ongoing conversations about aging parents' care.
Key Takeaways:
- Find the right healthcare plan for your aging parents based on their specific needs and circumstances.
- Explore transportation options for your parents, such as public transportation or organizations that provide free transportation for seniors.
- Ensure that your parents have a sense of community and social interaction to prevent feelings of isolation and depression.
- Consider hiring a fiduciary to manage your parents' finances and protect against fraudulent activity.
- Back up important documents and photos on your parents' phones to ensure easy access and documentation of their belongings.
- Explore continuing care retirement communities as a potential option for comprehensive care and a sense of community for aging parents.
Quotes:
- "Finding somebody to help you find the right insurance plan for your parents will be very helpful in the financial toll that it takes on them."
- "Being aware of the circle of friends, being aware of their community involvement, and making sure that your parents don't stay locked up in their home, unintentionally, of course, but that's certainly something to be aware of."
- "A fiduciary can pay the bills, can be a protectant against any kind of fraudulent activity."
- "Making sure that your parents don't get ripped off as part of that process is really important."
- "Doing some tours just like you do tours of college campuses, considering doing some tours of some of the wonderful communities that are actually out there."
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
The Importance of Healthcare PlanningOne of the first considerations when it comes to caring for aging parents is their healthcare plan. It's crucial to find the right insurance coverage that suits their specific needs. This can be a daunting task, but there are resources available to help. The Office for the Aging and Medicare brokers can assist in determining the most suitable plan based on factors such as medications, doctors, and chronic conditions. Finding the right insurance plan can alleviate the financial burden on your parents and ensure they receive the necessary care.
Transportation Solutions for Aging ParentsAs driving becomes more challenging for aging parents, finding reliable transportation options becomes essential. Public transportation services for the elderly may be available in certain counties or states. Additionally, some organizations offer free transportation services for individuals over the age of 65. Consulting with your parents' physicians or local community organizations can provide valuable information on transportation options. Ensuring that your parents have access to transportation not only helps them maintain their independence but also fosters a sense of community and prevents isolation.
Building and Maintaining a Supportive CommunityThe lack of interaction and community can be a significant concern for aging parents who live alone. As their circle of friends diminishes, they may experience feelings of loneliness and depression. It's crucial to be aware of their community involvement and encourage social connections. Engaging in activities and programs specifically designed for seniors can help combat isolation and provide a sense of belonging. By actively supporting your parents' social interactions, you can contribute to their overall well-being.
The Role of a Fiduciary in Financial ManagementWhen distance becomes a barrier to providing hands-on financial assistance, hiring a fiduciary can be a viable solution. A fiduciary acts as a financial guardian, ensuring bills are paid, protecting against fraudulent activity, and overseeing the overall financial well-being of your parents. This can be particularly beneficial if you are unable to be physically present to manage their finances. Many organizations offer fiduciary services, allowing you to entrust the financial aspects of your parents' care to a qualified professional.
Safeguarding Memories and AssetsPreserving memories and safeguarding assets is another crucial aspect of caring for aging parents. By ensuring that your parents have access to a cell phone or emergency phone, you can facilitate communication and provide a lifeline in case of emergencies. It's essential to back up any important photos or documents stored on their phones, either by adding them to your plan or regularly receiving copies. This way, you can protect cherished memories and have documentation of their possessions, which can be valuable in case of any issues or concerns.
Exploring Continuing Care Retirement CommunitiesAs the aging process continues, it's important to consider long-term care options for your parents. Continuing Care Retirement Communities (CCRCs) offer a comprehensive solution by providing a sense of community, transportation services, and various levels of care. CCRCs often require an upfront commitment, but some communities offer the possibility of a return on this investment. By choosing a CCRC, you can ensure that your parents receive the care they need while potentially recouping a portion of the initial commitment. Exploring different CCRCs and taking tours can help you make an informed decision while your parents still have a say in their future.
Conclusion: Nurturing the Sandwich GenerationCaring for aging parents while raising a family of your own is a delicate balancing act. It requires careful planning, open communication, and a proactive approach to ensure the well-being of everyone involved. By addressing the key themes discussed in this conversation, such as healthcare planning, transportation solutions, community engagement, fiduciary services, asset protection, and exploring CCRCs, you can navigate the challenges of the sandwich generation with greater ease.
As we continue to explore this topic, it's important to remember that the care of aging parents is an ongoing process. By having open and honest conversations, touring potential care facilities, and staying informed about available resources, you can make informed decisions that prioritize the health and happiness of your loved ones. The journey may be challenging, but with the right support and strategies in place, you can provide the care and support your parents need while maintaining your own well-being.
Thank you for joining us on this journey, and we encourage you to share this article with others who may benefit from these insights. Together, we can navigate the complexities of the sandwich generation and create a brighter future for our families.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
As we approach the end of the year, many of us find ourselves reflecting on the challenges and joys of the past months. For some, this reflection includes the realization that they are part of the "sandwich generation" - a group of individuals who are caught between the responsibilities of caring for their aging parents and raising their own children. This delicate balancing act can be emotionally and physically draining, leaving individuals feeling torn between their parents, their children, and their careers.
In this edition of Wine and Dime, we will explore the unique challenges faced by the sandwich generation and discuss practical steps that can be taken to navigate this complex situation. We will delve into the importance of creating a "red file" for your parents, which includes essential documents and information, and we will also explore the financial implications of providing care for aging parents. Finally, we will discuss the importance of open and honest communication with your parents about their wishes and the potential need for long-term care.
Key Takeaways:
- Create a red file with important documents and information about your parents to be prepared for any emergencies or care needs.
- Map out different scenarios for caring for parents, considering short-term, medium-term, and long-term care needs.
- Discuss your parents' wishes and preferences for care, including the possibility of relocating to a retirement community.
- Have open and honest conversations with parents about their healthcare proxies, power of attorney, and HIPAA releases.
- Consider the impact of caregiving on the spouse and explore resources and support available for caregivers.
Red File Checklist Download
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Creating a Red File: Ensuring PreparednessOne of the first steps in preparing to care for aging parents is to create a "red file" - a comprehensive document that contains all the essential information and documents needed in case of an emergency. This file should include copies of important documents such as Social Security cards, driver's licenses, passports, insurance cards, and birth certificates. It should also include information about any military service, vaccinations, and a list of contacts for banks, lawyers, doctors, and insurance agents.
"It's a very important topic to bring up with both you and your folks and your kids, potentially." - Amy Irvine
By having this information readily available, you can quickly and efficiently handle any necessary paperwork or inquiries that may arise in the event of an emergency. Additionally, it is crucial to include a list of medications and any legal documentation, such as a healthcare proxy or HIPAA agreement, to ensure that you can make informed decisions on behalf of your parents if needed.
The Financial Implications of CaregivingCaring for aging parents can have significant financial implications, and it is essential to consider these factors when planning for the future. Whether it is providing financial assistance or taking time off work to care for parents, there are costs associated with supporting aging loved ones.
"Start mapping out what if my parents need short-term help? What if my parents need a medium amount, somewhere between short and long? And what if they need long-term? What would that look like in my life, our lives?" - Amy Irvine
To begin, it is crucial to assess the potential impact on your career. Will your employer allow you to work remotely or take extended leave if necessary? Understanding your company's family leave policies and the potential impact on your benefits, such as health insurance and retirement contributions, is essential for financial planning.
Additionally, consider the potential costs of hiring additional help or assistance for your parents. If you need to take time off work, you may need to hire someone to provide care or assistance at home. This can include transportation services, in-home caregivers, or daycare for your children if they are young and require additional support during this time.
Communicating with Your Parents: Understanding Their WishesOpen and honest communication with your parents about their wishes and preferences is crucial when planning for their care. While these conversations can be challenging, they are essential for ensuring that their needs are met and that you can provide the support they require.
"What are your wishes? Do you have a healthcare proxy? Do you have a power of attorney? Do you have a HIPAA release? Can I have a copy of that so that I can have it on file? What would your wishes be if you need some care, so that I can build that into my plan?" - Amy Irvine
Approach the conversation by expressing your concern and love for your parents. Let them know that you want to ensure they are taken care of and that you are there to support them. If they become defensive or resistant, reassure them that your intention is to help, not take something away from them.
It is also important to discuss the topic of driving and establish clear guidelines for when your parents may need to stop driving. This can be a sensitive issue, but having a plan in place and agreeing upon specific triggers for when alternative transportation options should be considered can help alleviate potential conflicts in the future.
Conclusion and Future OutlookCaring for aging parents while raising a family and managing a career is undoubtedly challenging. However, by taking proactive steps to prepare for the future, such as creating a red file, considering the financial implications, and engaging in open communication with your parents, you can navigate this complex situation with greater ease.
"We understand that this is an area of stress for them, and certainly, it happens from time to time. You can kind of ease into the conversation and say, 'I didn't mean to upset you, but I just want to make sure that you're taken care of because I love you.'" - Amy Irvine
In the coming weeks, we will explore these topics in more detail, providing resources and guidance to help you navigate the challenges of caring for aging parents. Remember, you are not alone in this journey, and there are professionals available to support you every step of the way.
As we gather with our families during the holiday season, let us use this time to have open and honest conversations about the future and ensure that our loved ones' needs are met. By planning ahead and addressing these important topics, we can provide the care and support our parents deserve while maintaining balance in our own lives.
Thank you for joining us on this edition of Wine and Dime. We appreciate your support and encourage you to share this podcast with friends and family who may find it helpful. Together, we can navigate the challenges of the sandwich generation and create a brighter future for ourselves and our loved ones.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
As the fall season approaches in upstate New York, I find myself drawn to the local wineries, indulging in the flavors and experiences they offer. Recently, I discovered a new winery called Billsboro, located in Geneva. Their Pinot Noir and unique blended rose caught my attention. If you're looking for a wine adventure, I highly recommend checking out their website and exploring their offerings. But today, I want to shift gears and discuss a topic that has been on many people's minds lately: the decision to buy a home.
In the current economic climate, with high interest rates making headlines, buying a home may seem like an impossible dream for many. However, the decision to buy a home is not solely driven by interest rates. It is a complex mix of financial and emotional factors that must be carefully considered. In this article, I will guide you through the key elements to consider when deciding whether to buy a home or continue renting.
To download our handy flowchart, Click Here
Key Takeaways:
- Buying a home is not just a financial decision, but also an emotional one.
- Consider factors such as mortgage payments, maintenance costs, and long-term plans when deciding whether to buy a home.
- Interest rates may fluctuate, but refinancing is an option if rates go down in the future.
Quotes:
- "Buying a home is something more than just interest rates driven."
- "It's important to sit there and do a checklist of the reasons why you want to buy a home and whether or not it makes financial sense for you."
- "Interest rates may come down at some time in the future, and you could always refinance."
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Financial Considerations: Crunching the NumbersWhen evaluating the financial aspect of buying a home, it is crucial to compare the costs of renting versus owning. To do this, start by listing all your rent-related expenses in column A. This includes rent, homeowners insurance, and any additional costs associated with renting. In column B, calculate the potential mortgage payment, breaking it down into principal and interest, insurance, taxes, and maintenance costs.
It's important to note that the principal and interest portion of the mortgage payment can change over time. By breaking it out separately, you can better understand the long-term financial commitment. Additionally, consider non-financial factors such as the duration of your stay. If you plan to relocate within five years, renting may be a more suitable option. However, if you're looking for a long-term commitment, buying a home may make more sense.
The Emotional Side of HomeownershipWhile the financial aspect is crucial, the decision to buy a home is also deeply emotional. For some, owning a home represents stability and a sense of settling down. This is particularly true for individuals in the military who frequently move and long for a place they can call their own. Owning a home provides a sense of safety and permanence.
When considering the emotional side of homeownership, it's essential to evaluate your personal goals and aspirations. Are you looking for a place to put down roots? Do you envision yourself making changes and improvements to a property? These factors can greatly influence your decision.
A Comprehensive Checklist for HomebuyersTo help you navigate the decision-making process, I have compiled a comprehensive checklist of questions to consider:
- Determining the Cost: Do you need assistance in estimating the total cost of owning and maintaining a home, including mortgage payments, utilities, and commuting expenses?
- Impact on Savings: Will purchasing a home impact your ability to save for other financial goals?
- Living on One Income: If you have a spouse or partner, do you plan to live on one income at any point? Ensure that the home you choose fits within that budget.
- Long-Term Commitment: Do you plan to live in the home for five years or longer? This is crucial for calculating the break-even point and determining if buying is financially viable.
- Mortgage Considerations: Do you need assistance in understanding the financial impact of different types of mortgages, such as HSA loans or fixed versus variable rates?
By carefully considering these questions, you can gain a clearer understanding of your personal situation and make an informed decision.
The Impact of Interest Rates and Market ConditionsInterest rates play a significant role in the decision to buy a home. Currently, interest rates are at a historic high, which may deter some potential buyers. However, it's important to remember that interest rates can fluctuate over time. If rates go down in the future, you have the option to refinance your mortgage. Additionally, adjustable-rate mortgages offer the flexibility of lower rates initially, with the ability to refinance into a fixed-rate mortgage later.
While the current market conditions may seem challenging, it's worth noting that inventory levels have started to stabilize. The frenzy of over-asking price situations has diminished, and more listings are being reduced. This could indicate a potential stabilization or even a slight decrease in prices. Therefore, it's crucial to evaluate the market conditions in your area and consider the long-term implications.
Conclusion and Future OutlookIn conclusion, the decision to buy a home is a complex one that requires careful consideration of both financial and emotional factors. While high interest rates may seem daunting, it's important to evaluate the long-term benefits and potential for refinancing in the future. By using the checklist provided and thoroughly analyzing your personal situation, you can make an informed decision that aligns with your goals and aspirations.
As the real estate market continues to evolve, it's essential to stay informed and seek professional advice when needed. The decision to buy a home is a significant milestone in life, and it's crucial to approach it with a clear understanding of the financial and emotional implications. Remember, there is no right or wrong answer—what matters is finding the path that aligns with your unique circumstances and aspirations.
Thank you for joining me on this exploration of the decision to buy a home. I hope this comprehensive guide has provided valuable insights and guidance. If you have any further questions or need assistance, please don't hesitate to reach out. Cheers to finding your perfect home and enjoying the journey along the way!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
In this episode of the Wine and Dime podcast, host Amy Irvine welcomes Liz Zemak, a financial planner and tax professional. They discuss various sources of financial information that people can explore to enhance their financial knowledge. They highlight The Morning Brew, Wall Street Journal, CNBC, Bloomberg, Yahoo Finance, The Balance, Nerd Wallet, and Finra.org as reliable sources for financial news and education. Liz also mentions Student Loan Planner as a valuable resource for individuals dealing with student loans. The conversation emphasizes the importance of finding resources that present information in an easily understandable and digestible manner.
Key Takeaways:
- The Morning Brew, Wall Street Journal, CNBC, Bloomberg, Yahoo Finance, The Balance, Nerd Wallet, and FINRA.org are reliable sources for financial information.
- Student Loan Planner is a valuable resource for individuals dealing with student loans.
- It is crucial to find resources that present information in an easily understandable and digestible manner.
About The Guest:
Liz Zemak is a financial planner and tax professional with over ten years of experience. She joined the Rooted Planning Group in July 2023 and has been dedicated to building client relationships and providing valuable financial advice. Liz is passionate about helping clients achieve their financial goals and has been pursuing certifications to enhance her expertise in the field.
Quotes:
- "Finding those resources that really present information in a way that's easy for you to understand is important." - Liz Zemak
- "If you make slight changes on a day-to-day basis, you can reach your financial goals." - Liz Zemak
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Exploring Financial Resources: A Comprehensive GuideWelcome to Wine and Dime, where we uncork the world of personal finance and explore the various sources of financial information available to individuals. In today's episode, we have Liz Zemak, a seasoned financial planner, joining us to discuss the different resources people can turn to for financial knowledge. As we delve into this topic, we'll highlight some of our favorite sources and the reasons why we find them valuable.
The Morning Brew: A Digestible Source of Financial NewsOne resource that our team unanimously recommends is The Morning Brew. This platform offers both a newsletter and a podcast, making it convenient for individuals to stay informed even on the go. Liz and I particularly appreciate The Morning Brew because it provides concise and easily digestible summaries of the top financial stories. It serves as a great starting point for exploring further information on specific topics.
Established Financial News OutletsWhen it comes to financial news, there are several established outlets that consistently produce high-quality content. The Wall Street Journal, CNBC, Bloomberg, and Yahoo Finance are among our team's top picks. These sources cover a wide range of financial topics and provide in-depth analysis of current events. Their reputation and credibility make them reliable sources for staying updated on the latest developments in the financial world.
Going Back to Basics: The Balance and Nerd WalletSometimes, it's essential to revisit the fundamentals of personal finance. The Balance and Nerd Wallet are two resources that excel in breaking down complex financial concepts into easily understandable language. Whether you're looking for information on different types of accounts, benefits offered at work, or general financial literacy content, these platforms offer valuable insights. They are particularly useful for individuals who are new to the world of finance or want to refresh their knowledge.
FINRA.org: A Trustworthy Consumer Education ResourceFor those seeking factual and well-researched information, Finra.org is an excellent resource. While primarily known as a platform for broker registration, Finra.org also provides comprehensive consumer education. The content on this website undergoes rigorous checks, ensuring accuracy and reliability. It serves as a valuable resource for individuals looking to enhance their financial knowledge and make informed decisions.
Student Loan Planner: Navigating the Complexities of Student LoansStudent loans can be a significant financial burden for many individuals. That's why our team highly recommends Student Loan Planner, a resource dedicated to helping individuals navigate the complexities of student loans. With the rising costs of education, understanding repayment plans and exploring strategies for managing student debt is crucial. Student Loan Planner offers valuable insights and tools to help individuals make informed decisions regarding their student loans.
The Interplay Between Financial and Personal HealthAs we wrap up our discussion on financial resources, it's worth highlighting the connection between financial health and personal health. Liz, with her background in bodybuilding and health training, emphasizes the importance of self-control, discipline, and consistency in both realms. Just as we develop healthy habits to take care of our physical well-being, we must cultivate similar habits to achieve financial goals. Whether it's practicing self-control in spending or consistently working towards financial objectives, these habits contribute to overall financial and personal well-being.
Conclusion: Empowering Yourself with Financial KnowledgeIn today's digital age, there is an abundance of financial resources available at our fingertips. By exploring a variety of sources, we can empower ourselves with the knowledge needed to make informed financial decisions. From trusted news outlets like The Morning Brew, The Wall Street Journal, CNBC, Bloomberg, and Yahoo Finance to educational platforms like The Balance, Nerd Wallet, and Finra.org, each resource offers unique insights and perspectives. Additionally, specialized resources like Student Loan Planner cater to specific financial needs.
As we continue on our financial journey, let us remember the importance of consistency, self-control, and discipline. Just as we prioritize our physical health, we must prioritize our financial health. By leveraging the wealth of information available and developing healthy financial habits, we can achieve our goals and secure a brighter financial future.
So, grab a glass of your favorite wine or beverage of choice, and dive into the world of financial knowledge. Cheers to your financial well-being!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Amy Irvine and Kate Welker discuss whether people should be pulling money out of the stock market and putting it into cash. They explain that while cash may currently be yielding a high rate of return, historically, a stock market-based portfolio will provide a higher rate of return over the long term. They also discuss the concept of the yield curve and how it affects different investment options. Additionally, they provide tips for saving on taxes at the end of the year, such as maximizing contributions to retirement plans and considering Roth conversions.
Key Takeaways:
- Historically, a stock market-based portfolio will provide a higher rate of return over the long term compared to cash.
- The yield curve refers to the relationship between short-term and long-term interest rates. A normal yield curve has lower short-term rates and higher long-term rates.
- Consider maximizing contributions to retirement plans and exploring Roth conversions to save on taxes at the end of the year.
Quotes:
- "For a long-term investment, staying steady in the market is more successful." - Kate Welker
- "Run some numbers right now. Once you get to the end of the year, you don't have a lot of options." - Amy Irvine
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Should You Pull Money Out of the Stock Market?The question of whether to pull money out of the stock market and invest in cash is a common one, especially during periods of market volatility. However, it is important to consider one's long-term goals and objectives before making any decisions based on fear. As Kate Welker, one of the financial planners at Rooted Planning Group, explains:
"If you have one side of your equation allocated to stocks and equities, and the other side allocated to fixed income, such as bonds, CDs, cash, or money market funds, it may be ideal to allocate a portion of your cash to a money market fund that is currently yielding a higher rate of return. While this rate is not guaranteed and may change in the future, it is currently around 5%."
It is crucial to remember that historically, a stock market-based portfolio has provided a higher rate of return over the long term compared to cash investments. As Kate points out, cash investments have historically averaged around 1.2% return, while a stock market-based portfolio can yield a historical rate of return of 7% to 9%. Therefore, staying invested in the stock market is generally more beneficial for long-term investment goals.
Understanding the Yield CurveTo fully grasp the implications of investing in different types of fixed income vehicles, it is important to understand the concept of the yield curve. The yield curve represents the relationship between the interest rates and the time to maturity of bonds of the same credit quality. A flat yield curve occurs when short-term and long-term interest rates are relatively equal, while an inverted yield curve occurs when short-term interest rates are higher than long-term rates.
As Amy Irvine, the CEO and founder of Rooted Planning Group, explains:
"A flat yield curve would mean that a three-month CD, a five-year CD, and a ten-year CD all have the same interest rate, for example, 5%. An inverted yield curve, on the other hand, occurs when shorter-term interest rates are higher than longer-term rates."
In recent years, the yield curve has been inverted, with shorter-term rates being higher than longer-term rates. However, the yield curve is starting to level out, and longer-term rates are beginning to rise. This normalization of the yield curve suggests that investing in longer-term fixed income vehicles may become more attractive in the future.
Last-Minute Tips for Maximizing Tax SavingsAs the end of the year approaches, it is essential to consider strategies for maximizing tax savings. One such strategy is to contribute to retirement plans, such as 401(k)s or 403(b)s, before the end of the year. By increasing your deferral rate, you can lower your taxable income for the current year. Kate Welker advises:
"If you have extra cash flow available or have not maximized your employer-sponsored retirement plan, it may be beneficial to increase your deferral rate. This can help lower your taxable income for the current year."
Another strategy to consider is a Roth conversion. A Roth conversion involves transferring funds from a tax-deferred account, such as a traditional IRA, to a Roth IRA. By paying taxes on the converted amount now, you can potentially enjoy tax-free growth in the Roth IRA. Kate explains the importance of timing when considering a Roth conversion:
"If you anticipate being in a higher tax bracket in the future, it may make sense to do a Roth conversion now. By projecting your income for the year and determining your tax bracket, you can assess whether a Roth conversion would be beneficial."
Conclusion and Future OutlookIn conclusion, it is generally advisable to stay invested in the stock market for long-term investment goals, rather than pulling money out and investing in cash. While cash investments may offer a higher rate of return in the short term, historical data shows that stock market-based portfolios provide higher returns over the long term. Additionally, understanding the yield curve can help investors make informed decisions about fixed income investments.
As the end of the year approaches, it is crucial to consider strategies for maximizing tax savings. Contributing to retirement plans and considering Roth conversions can help lower taxable income and potentially provide tax-free growth in the future. By running projections and assessing one's tax bracket, individuals can make informed decisions about their financial future.
Looking ahead, it is important to stay informed about market trends, interest rates, and tax regulations. Consulting with a financial planner can provide valuable insights and guidance in navigating these complex financial decisions. By staying proactive and informed, individuals can make the most of their investments and optimize their financial well-being.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Wine and Dime is back with a new episode...
Budgeting. The mere mention of the word can send shivers down the spine of even the most financially savvy individuals. It's a topic that often elicits feelings of overwhelm and anxiety. But fear not, for today we have the wonderful Becky Eason, a financial planner with Rooted Planning Group, here to share her expertise and shed some light on the art of budgeting.
About The Guest(s):
Becky Eason is a financial planner at Rooted Planning Group. She has been with the company since 2018 and is known for her expertise in budgeting and finding deals. Becky is passionate about helping clients achieve their financial goals and make the most of their money.
Key Takeaways:
- Evaluate past spending to understand where your money is going and assign values to each expense.
- Set goals and automate savings to achieve them.
- Use apps and tools like Mint.com to track spending and find discounts.
- Be flexible with travel plans to take advantage of lower prices.
- Seek out local resources and workshops for financial guidance and counseling.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
The Power of IntentionalityWhen it comes to budgeting, it's important to start with a clear goal in mind. Are you budgeting to address a cash flow deficit or simply to gain a better understanding of where your money is going? This distinction will shape your approach to budgeting.
Becky suggests starting by examining your historical spending patterns. Take a look at your bank and credit card statements from the past few months and categorize each transaction. This exercise will give you a clear picture of where your money has been going. From there, you can assign value to each category and determine if any adjustments need to be made.
"By going historical, you're not really being conscious of what you should be spending your money on. It's okay, this is what I actually am doing. And then once you build that out, then you can analyze what you've been spending and put the value to it," Becky explains.
The Importance of Setting GoalsOnce you have a clear understanding of your spending habits, it's time to set goals. Becky emphasizes the importance of being intentional with your spending and aligning it with your values. If travel brings you joy, for example, you can shift your spending in other areas to create a travel budget.
By incorporating your goals into your spending plan, you can visualize how much you can allocate toward each goal. Becky recommends automating your savings for these goals, ensuring that the money is set aside and easily accessible when needed.
Strategies for Reducing Spending and Increasing IncomeFor those facing a cash flow deficit, reducing spending and increasing income are key strategies. Becky suggests finding a balance between saving for retirement and paying off high-interest debt. It may be necessary to scale back on retirement contributions to prioritize debt repayment.
She also advises exploring resources within your community, such as government organizations, local churches, and nonprofits, that offer workshops or counseling on financial management. These resources can provide guidance and support as you navigate your financial journey.
The Art of Finding DealsBecky is known for her knack for finding deals and discounts. She shares some of her tips and tricks for saving money, particularly when it comes to travel. Setting price alerts on flight bookings, monitoring prices for potential adjustments, and being flexible with travel dates can all lead to significant savings.
Additionally, Becky suggests utilizing apps and working with travel agents who can help find the best deals and save you time. Travel agents often have access to exclusive discounts and can assist with price adjustments if the cost of your trip decreases after booking.
Overcoming Fear and Taking ActionBudgeting can be a daunting task, but Becky encourages individuals not to be afraid of it. She emphasizes the importance of facing your financial situation head-on and taking the necessary steps to gain control over your money.
"Don't be afraid of it. There's a lot of fear around looking at your spending, and it can be fearful and time-consuming, but the sooner you do it, the sooner you'll be able to see the results," Becky advises.
Conclusion and Future OutlookBudgeting is a powerful tool that allows individuals to take control of their finances and work towards their goals. By being intentional with spending, setting clear goals, and exploring strategies for reducing spending and increasing income, anyone can create a solid financial plan.
As technology continues to advance, there are more resources than ever to assist individuals in their budgeting journey. From apps that track spending to online workshops and counseling services, the options are endless. The key is to find the tools and strategies that work best for you and your unique financial situation.
In conclusion, budgeting is not something to be feared or avoided. It is a valuable skill that can transform your financial future. By taking the time to evaluate your spending, set goals, and explore strategies for reducing spending and increasing income, you can create a spending plan that aligns with your values and helps you achieve your dreams. So, don't wait any longer. Start your budgeting journey today and take control of your financial destiny.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Hello, everyone! Welcome to another episode of the Wine and Dime Podcast! In this episode, I have the pleasure of chatting with Kerrie Beene about a topic that sometimes gets a bad rap: asset allocation. Kerrie isn’t a fan of the term, explaining that it can be somewhat intimidating and confusing for clients. Together, we delve into the critical importance of comprehending asset allocation, especially regarding its relation to risk tolerance and investment goals. We also explore the intriguing concept of asset location and discuss the different types of accounts that you might utilize in your investment journey. Our conversation underscores the crucial need for all clients to educate themselves and seek advice from reliable, trusted sources in the investment world. Join us for a deep dive into making asset allocation and investment more accessible and understandable!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:
- Asset allocation is the mixture of investments within a portfolio and is based on an individual's risk tolerance and investment goals.
- It is important to understand the different types of investments, such as stocks and bonds, and how they can be allocated within different accounts.
- Tax allocation is also a consideration when determining asset allocation, as different types of accounts have different tax implications.
- Target date funds can be a good option for beginners, as they automatically adjust the asset allocation based on the investor's age and retirement timeline.
Quotes:
- "Don't let this terminology scare you. Take the time to educate yourself." - Kerrie Beene
- "Asset allocation is the mixture of investments within your account or portfolio." - Kerrie Beene
- "Don't put all your eggs in one basket. Diversify your investments." - Amy Irvine
- "Target date funds are a great way to start investing, as they automatically adjust the allocation based on your age and retirement timeline." - Kerrie Beene
About The Guest(s):
Kerrie Beene is a financial planner with Rooted Planning Group. She has a high level of understanding of retirement and investments and is passionate about helping clients understand complex financial concepts.
A Conundrum Called JargonWe've all been there – enveloped by the perplexing jargon of the financial world, feeling somewhat adrift in a sea of terminologies like "asset allocation." As your guide through this maze, I aim to demystify these terms, breaking them into digestible insights that won’t leave you lost in translation.
The Essence of Asset AllocationAsset allocation isn’t just a term; it's an instrumental strategy shaping your investment portfolio, tailored meticulously according to your risk tolerance and financial goals. How do we decipher our comfort levels and preferences concerning various investment options? The episode provides a magnifying glass over the methodologies that assist in crafting a strategy sculpted to your needs.
Diversification: Your Financial Safety Net"Diversifying" is more than a catchphrase; it's a safety net, ensuring you're not entrusting your financial future to a singular investment basket. Spreading your investments judiciously across varied asset classes, we unearth the secret to mitigating risks while simultaneously maximizing potential returns.
Exploring Beyond with Asset LocationWhile we dissect the realm of asset allocation, we also saunter into the domain of asset location, exploring how this extends our investment strategy beyond mere allocation, considering the type of accounts and their respective tax implications.
Your Pathway to Financial LiteracyNavigating the financial world requires a semblance of understanding of its intricate terminologies. Fear not, for embarking on this journey with us equips you with the knowledge, to decode complex jargon into straightforward, actionable insights.
Embarking on Investment Journeys with Target Date FundsFor the nascent investor, target date funds might be your starting point, offering a simplified, hands-off investment approach, progressively re-balancing itself as you inch closer to your retirement. But is it the one-stop solution?
The Impact and Future of Asset AllocationAsset allocation isn’t merely a set-and-forget strategy; it’s a dynamic, evolving approach, requiring periodic reviews and realignment, especially as technological advancements like robo-advisors become intertwined with investment strategies.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
As the job market continues to evolve and adapt, it is essential for individuals to approach their career transitions with confidence and purpose. Whether you are seeking a new opportunity or have been displaced from your current position, understanding the recruitment process and effectively positioning yourself in the market is crucial. In this article, we will explore the insights and expertise of Sarah Connors, a seasoned recruitment professional, as she shares her knowledge on navigating the job market and finding the right fit for your career aspirations.
About The Guest(s):
Sarah Connors is the Senior VP of Planet Professional, a staffing firm based in Boston. With over 12 years of experience in recruiting, Sarah has a passion for helping individuals find their dream jobs and guiding them through the placement process. She specializes in administrative, accounting, finance, HR, and recruiting roles.
Summary:
Sarah Connors, Senior VP of Planet Professional, joins Amy Irvine, founder and CEO of Rooted Planning Group, to discuss the process of finding the right job placement. Sarah shares her background in recruiting and explains the importance of the intake call in understanding a candidate's needs and preferences. She provides tips on how to sell yourself in an interview without sounding arrogant and emphasizes the significance of researching the company before an interview. Sarah also advises individuals to regularly evaluate their happiness and career goals to ensure they are on the right path.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:
- The intake call is crucial in understanding a candidate's needs and preferences.
- Confidence in an interview comes from listening, asking insightful questions, and showing passion for your work.
- Researching the company before an interview is essential to demonstrate your interest and preparedness.
- Regularly evaluate your happiness and career goals to ensure you are on the right path.
- Did you know that the average resume initially only gets a 5 - 10-secondlook, so what do you need to do to make it stand out?
- How to self-promote without sounding overconfident like a jerk
- When to apply for a job even when you aren’t sure you have all the qualifications
To learn more about Sarah Connors and her expertise in recruitment, you can connect with her on LinkedIn or reach out to her via email at sconnors@planet-pro.com.
Wine Recommendations:
- As the fall starts to approach upstate NY, so will the fall colors! I’m looking forward to being a tourist this fall, exploring the beauty of the area. I’m planning on touring the east side of Seneca Lake using a “travel guide” I found online - Finger Lake Vineyards, Part II: The Best Wine Trails Around Seneca Lake (thetravel.com)
- Sarah’s Favorite Wine is bubbly - for a good sparkling wine in the Finger Lakes region consider exploring: 9 Outstanding Finger Lakes Wineries Making Sparkling Wine (winetraveler.com)
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting or looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Hello, dear listeners! In this special episode of the "Wine and Dime" podcast, we are venturing into a topic that intertwines personal growth and financial wisdom - navigating the complex journey of divorce. I am thrilled to introduce you to the remarkable Paula Lesso, a seasoned divorce coach and author, who has transformed her personal experiences into a beacon of support and guidance for many women. And here's a little sprinkle of excitement - Paula has a heartwarming exclusive offer just for our listeners, which we can't wait to unveil in the episode!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
What You Will LearnJoin us as we uncork a bottle of empathy, understanding, and financial savvy in this episode. Here are some nuggets of wisdom you can look forward to:
- The Three H's to Happiness: Discover Paula's unique approach to finding joy and fulfillment during and after divorce, focusing on the Head, Heart, and Health.
- Making the Go or No-Go Decision: Learn how to evaluate your relationship critically and make informed decisions that protect your best interests.
- How Paula’s coaching can help you gain clarity on your journey
- Reasons to build your “team” should you decide to move forward with a divorce
- Financial Planning During Divorce: Gain insights into the financial intricacies of divorce and how to navigate them with grace and foresight.
- Communication and Self-Reflection: Uncover the power of effective communication and self-reflection in healing and rebuilding relationships.
Wine RecommendationDr. Konstantin Frank Salmon Run Riesling
As we delve into this enriching conversation, let's raise a glass of the exquisite Salmon Run Riesling 2021. Best described as bright fresh fruit with dominant characters of fresh pineapple and lemon sorbet. The light sweetness is well balanced by a refreshing acidity and a soft mouth feel.
Pair with Middle Eastern, Moroccan, Thai, and Asian cuisines. Pairs well with Spicy and Aromatic Ingredients like Pepper, Ginger, Curry, Sesame, and Soy. Spicy BBQ and Wings. Pork.
ConclusionAs we wrap up this preview, I, Amy Irvine, invite you to join us in this comforting and enlightening session. Together, we'll explore the realms of personal growth and financial stability during one of life's most challenging transitions. Let's uncork both a bottle of fine wine and the wisdom Paula Lesso has to offer, fostering a community of support, understanding, and resilience.
Remember, whether you're going through a divorce or simply interested in personal finance nuances during such a transition, this episode promises a blend of heartfelt advice and financial expertise. So, grab your favorite wine glass and join us for a session that promises warmth, camaraderie, and a journey to rediscovering happiness.
Cheers to moving gracefully through life's journeys, one step (and one sip) at a time!
Find More About Our Special Guest and Today's Wine Recommendation:
- Paula Lesso: Learn more about Paula's transformative coaching services and her journey on her official website.
- Book Recommendation: Embark on a journey of self-discovery and
Welcome back Wine and Dime listeners! As the CEO and founder of Rooted Planning Group, I am fervent about assisting families in steering through the intricate world of college planning. This episode will dissect the nuances of 529 plans, a favored college savings avenue. We will scrutinize the advantages and considerations of these plans, coupled with shedding light on other savings prospects and strategies. So, pour yourself a glass of wine and accompany me as we venture into college planning, equipped with the finest insights and a splash of exquisite wine.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for complete show notes and links!
Key Takeaways:
- 529 plans are a tool for college savings but should not be overfunded.
- Contributions to 529 plans are made with after-tax dollars and grow tax-free.
- 529 plans may have minimal impact on financial aid eligibility.
- Consider other savings opportunities and prioritize retirement savings.
- Engage with the college financial aid office early and be aware of hidden costs.
Exploring the East Side of Seneca LakeBefore we immerse ourselves in the complexities of 529 plans, I wish to impart some reflections on the wines I am venturing into this autumn. As the fall season graces upstate New York, I am eager to traverse the east side of Seneca Lake. A vineyard that has piqued my interest is Caywood Vineyards. Nestled near the Finger Lakes National Forest, Caywood Vineyards boasts a tasting room adorned with handcrafted redwood and oak, complemented by a three-story fireplace. It seems to be the quintessential locale to bask in the fall atmosphere. Caywood Vineyards, a subsidiary of the Pleasant Valley Wine Company family based in Hammondsport. If you happen to be in the vicinity, I strongly advocate for a visit to appreciate the scenery and ambiance. Learn more about them here and discover the best wine trails around Seneca Lake here.
Understanding 529 PlansTransitioning our attention to the focal point of this article - 529 plans. These plans serve as a vital instrument for college savings, yet it's imperative to avoid overfunding them. Contributions to 529 plans are facilitated with after-tax dollars and flourish tax-free. Withdrawals utilized for qualified education expenses are also exempt from tax. In certain states, like New York, tax deductions or credits are accessible for contributions to 529 plans. A notable merit of 529 plans is their negligible effect on financial aid eligibility, being categorized as a parental asset. In instances where the 529 plan is held by someone other than the parents or student, it might be excluded entirely.
Strategizing Contributions and Gift Tax ExclusionWhen orchestrating contributions to 529 plans, awareness of the gift tax exclusion is vital. For 2023, the gift tax exclusion stands at $17,000, allowing anyone to bestow a gift up to this amount per annum to your child without triggering gift tax repercussions. Furthermore, direct tuition payments to colleges are unrestricted and can diminish taxable estates. Strategic planning of your contributions to 529 plans is essential, taking into account other savings avenues. Prioritizing retirement savings is prudent, as borrowing for retirement is not an option. A diversified investment approach, encompassing both 529 plans and conventional brokerage accounts, can facilitate a balanced strategy for college planning.
The True Cost of CollegeIn the realm of college planning, recognizing that the advertised tuition rate may not be the final figure is crucial. A substantial number of students, even those hailing from families with incomes surpassing $200,000, do not bear the full price. A majority of colleges propose monthly payment schemes to assist families in managing education costs. Tailoring a 529 plan to your unique circumstances and seeking professional advice is vital. Early engagement with college financial aid offices can unveil valuable insights and aid in steering financial aid choices. Additionally, it's noteworthy that supplementary funds might become accessible later in the process, and alumni could offer scholarships for their offspring. Being vigilant of the concealed costs of college, which can accumulate, is essential.
Exploring Different Types of 529 PlansIn the context of 529 plans, distinguishing between the various types available is crucial. The primary categories are savings plans and prepaid plans. Savings plans operate akin to other investments, fostering the growth of your savings over time. Conversely, prepaid plans permit you to secure current tuition rates. Private savings plans are crafted specifically for private colleges, while state plans offer prepaid options as well. Adapting your strategy to your circumstances and evaluating all potential options, including brokerage accounts, is vital when saving for college.
Understanding the Cost of Prepaid PlansThe pricing of prepaid plans fluctuates based on elements such as your child's age and the duration of your savings period. Unit plans, for instance, enable the purchase of fractional units redeemable in the future. A thorough analysis of all options, weighing the pros and cons, including potential returns and investment flexibility, is essential. While 529 plans present tax benefits and serve as a potent tool for college planning, exploring other savings prospects and investment avenues to ensure a comprehensive approach is crucial.
Conclusion and Future OutlookTo conclude, 529 plans stand as a potent tool in college planning, offering tax benefits and adaptability. However, approaching them with a discerning eye and not relying on them as the sole college savings mechanism is vital. By diversifying your investments and exploring other savings prospects, like regular brokerage accounts, you can craft a holistic strategy for financing your child's education. Engaging early with the college financial aid office and investigating all scholarship and financial aid opportunities is also key. As college costs escalate, staying abreast of developments and modifying your college planning strategy is essential.
Looking ahead, the dynamics of college planning are set to evolve continually. Keeping pace with regulatory changes and uncovering new avenues for education funding is vital. By adopting a proactive stance and seeking expert guidance, you can navigate the intricacies of college planning, securing a promising future for your child. Here's to a triumphant journey in college planning!
Thank you for joining us on Wine and Dime. If this podcast resonated with you, we encourage you to share it with your friends and family. We'd appreciate your support in rating us on iTunes to help others discover us. A heartfelt thank you to TJ Meehan at Meehan Media for his expertise in production. Until next time, cheers!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome back, Wine and Dime listeners! In this four-part series on college planning, we have been discussing the major changes coming to the Free Application for Federal Student Aid (FAFSA). In part one, we explored college savings options, and in part two, we delved into ten changes to the FAFSA. Today, in part three, we will continue our discussion on the FAFSA changes, focusing on income and other factors that will impact students and their families.
But before we dive into the details, let's take a moment to appreciate the beauty of the upcoming fall season in upstate New York. As the fall colors start to grace our surroundings, I am reminded of the stunning landscapes in the Adirondacks. However, it's important to remember that we live in an equally beautiful area. So, why not act like a tourist in our own backyard? I am excited to explore the east side of Seneca Lake and visit Silver Thread Winery. If you have any recommendations or information about this winery, please let me know. Now, let's shift our focus to the changes in the FAFSA process.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:1. The Income Protection Allowance will increase by about 20% for parents and 35% for dependent students. 2. The allowance for state taxes is going away, resulting in an increase in overall income. 3. The Employment Expense Allowance is being adjusted to allow married couples with only one working spouse to qualify. 4. Students who can't provide their parents' financial information can now file as a provincial independent student. 5. Reporting for two household families will require information on both parents and spouses who provide the majority of the student's financial support.
Key Changes* Income Protection Allowance increasing, but multiple students in college no longer a factor * Employment Expense Allowance tweaked - now calculated based on total family income * Option for students unable to provide parent info; can file as Provisional Independent * New formula for reporting income if parents are divorced/separated * Changes already enacted: Pell Grants for incarcerated students, required disclosure of aid adjustments
Timeline and Effects FAFSA available starting in December* 2023, not October * Delayed timeline could impact acceptance letters, grant deadlines, award letter timing * Steps to take: Use Estimator Tool, get FSA ID, check college websites for updates
Winery RecommendationHost Amy Irvine recommends visiting Silver Thread Vineyard on the east side of Seneca Lake in the Finger Lakes region.
Founded in 1982, Silver Thread is an owner-operated, boutique winery known for sustainably-grown estate wines. Acclaimed winemaker Paul Brock and wine educator Shannon Brock took the helm in 2011 and practice a holistic, regenerative style of farming called biointensive viticulture. The winery generates 100% of its energy needs from a 28kw solar array located on-site.
Silver Thread produces about 3,000 cases annually of premium vinifera wines like Riesling, Chardonnay, Cabernet Franc, and Lemberger. Wines are available in their relaxed tasting...
Welcome back to another episode of Wine and Dine! In today's discussion, we will be diving into the changes in the Free Application for Federal Student Aid (FAFSA). As a financial planner, it is my goal to provide you with valuable information that can help you navigate the complexities of college planning. So grab a glass of wine, sit back, and let's explore the recent updates to the FAFSA.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
IntroductionThe FAFSA is a crucial tool for families seeking financial aid for college education. It helps determine the expected family contribution (EFC) and the amount of financial aid a student may be eligible for. In this episode, we will be focusing on the changes in the FAFSA, including the transition from EFC to the student aid index, the shorter FAFSA form, and the impact on small businesses and farms. We will also discuss the expansion of the Pell Grant and the changes in reporting assets and income. So let's dive right in!
Key Takeaways:
- The FAFSA is transitioning from the expected family contribution to the student aid index.
- The FAFSA form is getting shorter, reducing the number of questions.
- Small business and farm owners will now have to report the value of their businesses on the FAFSA.
- The student aid index can be below zero, allowing for more financial aid for needy students.
- The Pell Grant formula is linked to family size and the federal poverty level, providing additional funding opportunities.
- Families with an AGI up to $60,000 will not be required to report assets on the FAFSA.
- Contributions to pre-tax retirement plans will no longer be added back to AGI for FAFSA calculations.
- Child support received will no longer be added to income, but the amount will be added to non-retirement assets.
- Financial help from family members or friends will no longer be considered untaxed income for students.
- Funds used from a grandparent-owned 529 plan will not be considered untaxed income for students.
Adirondack WineryAdirondack Winery, nestled in the scenic beauty of Lake George and the Adirondacks, is a testament to the passionate pursuit of Mike & Sasha Pardy. Starting as a micro-winery in 2008, their dedication has transformed it into a renowned establishment with a state-of-the-art $2.6 million Tasting Room and Winemaking Facility in Queensbury. Throughout the years, they've seamlessly combined traditional wine-making with innovative techniques, resulting in award-winning wines that showcase the region's charm. With a history rich in family, innovation, and a dedication to excellence, Adirondack Winery invites you to be a part of their wine journey. Discover more and plan your visit at https://www.adirondackwinery.com/
Conclusion and Future OutlookIn conclusion, the changes in the FAFSA aim to simplify the application process and provide more accurate financial aid assessments. While some changes may pose challenges for families, such as the inclusion of small businesses and farms in the formula, there are also opportunities for families to strategically manage their assets and increase their eligibility for financial aid.
As the FAFSA continues to evolve, it is essential for...
Welcome to Wine and Dime, where we explore the intersection of wine and finances. In this series on college planning fundamentals, we will delve into the terminology and strategies that can help you navigate the complex world of college planning. Just like a fine wine, college planning requires careful consideration and aging to achieve the desired outcome. So, grab a glass of your favorite vintage and join me on this journey of financial education.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:
- Define your college funding goals and prioritize them based on timing and resources.
- Fill out the FAFSA form even if you don't think you qualify for financial aid.
- Need blind colleges consider a student's ability to pay tuition cost in the admissions decision.
- Merit scholarships are based on a student's merit and do not need to be repaid.
- Parent PLUS loans can bridge the gap between need-based aid and family resources.
Quotes:
- "You can borrow for education, but you can't borrow for retirement."
- "Don't assume anything. Fill out the FAFSA form."
- "Need blind colleges are schools where a student's ability to pay tuition cost is not factored into the admissions decision."
- "Merit scholarships are based on the student's merit and do not need to be repaid."
- "Parent PLUS loans are taken by the parent and often close the final gap between need-based aid, merit scholarships, and family resources."
Exploring the Vineyards of Shaw VineyardBefore we dive into the intricacies of college planning, let's take a moment to appreciate the beauty of the vineyards. Shaw Vineyard, located on Seneca Lake, is known for its dedication to aging their wines. Their reds spend five or more years in the cellar before they are bottled, resulting in a rich and flavorful experience. They also offer a unique blend called the Cuca Hill Reserve, which combines Merlot, Cabernet Sauvignon, and Cabernet Franc. I am eager to explore this winery and discover the nuances of their wines. If you have had the pleasure of trying Shaw Vineyard's wines, I would love to hear about your experience. And if you find yourself in the Finger Lakes area, I encourage you to visit and embark on your own wine adventure.
The Five Essential Steps of College PlanningNow, let's shift our focus to the topic at hand: college planning fundamentals. It is important to approach college planning with a clear understanding of your goals and priorities. Defining your goals involves determining how much responsibility you and your child will have in funding their education, as well as considering other financial goals that may require attention. It is crucial to establish a timeline for each goal and anticipate any potential detours along the way. By mapping out your college planning journey, you can create a comprehensive and adaptable plan that aligns with your family's unique circumstances.
The Power of Savings: Understanding 529 PlansWhen it comes to saving for college, 529 plans are a popular choice. These education savings plans offer tax advantages and can be customized to suit your needs. There are different types of 529 plans, including savings plans, prepaid plans, and private plans. A savings plan allows you to invest money that will grow over time, while a prepaid plan involves prepaying the cost of education within your...
Special Needs Trusts: A Guide to Protecting Your Loved OnesWelcome back to another estate planning edition of Wine and Dime. In this episode, we will be delving into the topic of special needs trusts. As the CEO and founder of Rooted Planning Group, I have had the privilege of gaining valuable insights from the Encore Estate's Team, who have provided me with guidance and educational language on this subject. Before we dive in, I would also like to highlight a winery that I recently visited, Kemmeter, located in the Finger Lakes area of New York. Their unique approach to winemaking, influenced by music, has brought a fresh perspective to the industry. But now, let's turn our attention to the important matter at hand - special needs trusts.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key TakeawaysHere's a brief summary of the episode for all you time-pressed listeners who want your information as crisp and light as a glass of Pinot Grigio:
- A Special Needs Trust helps a beneficiary inherit assets without jeopardizing their eligibility for government benefits.
- The trust allows clients to appoint a professional fiduciary to manage the funds.
- Assets in the trust never directly belong to the beneficiary.
- Tailor your Special Needs Trust to the specific needs and circumstances of each beneficiary.
Unveiling the Special Needs TrustsIn this episode, we delve into what a Special Needs Trust is all about. This is a financial safety net designed to ensure that beneficiaries continue receiving needs-based government benefits, like Medicaid and Supplemental Security Income (SSI), even after they inherit assets. It's a supplement, not a replacement. Think of it like adding that perfect splash of creamer to your morning coffee – it doesn't replace the coffee, just enhances it.
Maintaining Control with Special Needs TrustsOne of the unique aspects of a Special Needs Trust is that the assets never directly belong to the beneficiary. This means they can inherit assets and still maintain their benefits. Also, a Special Needs Trust allows me as a client to appoint a trusted individual or professional fiduciary to manage the funds for the beneficiary's benefit. It's all about preserving control and ensuring the beneficiary's financial safety.
When Do You Need a Special Needs Trust?In this episode, I highlight various circumstances that might require a Special Needs Trust. From caring for a sibling who can't make independent financial decisions to securing a future for a child with a learning disability, the scenarios are as varied as the wine varietals in Napa Valley. However, it's crucial to remember that a Special Needs Trust isn't a one-size-fits-all solution. Always make sure to consult with a qualified attorney or legal counsel to tailor the trust to your specific needs.
My Wine RecommendationNow, what would an episode of "Wine and Dime" be without a wine recommendation? This time, I'm suggesting a Riesling from Kemmeter in the Finger Lakes area of New York. It's a wine that harmonizes just right with our discussion on Special Needs Trusts, delivering both sweetness and depth. Here's to savoring every note!
I hope you find this episode as enlightening as I found it enjoyable to create. And don't forget to rate us on iTunes and share your thoughts. Your feedback is the secret ingredient to making this podcast better and better. Until next time, here's
Hello, Wine and Dime listeners! Thank you once again for joining the show. Today, we are diving into a topic that is often overlooked but incredibly important in estate planning: The Five Wishes. This document, created by the organization Five Wishes, is the first living will that addresses not only your medical wishes but also your personal, emotional, and spiritual needs. It allows you to choose the person who will make healthcare decisions for you if you are unable to do so yourself.
Key Takeaways:
- The Five Wishes is a comprehensive living will that addresses personal, emotional, and spiritual needs, in addition to medical wishes.
- The document allows individuals to choose a healthcare decision-maker and specify their medical treatment preferences.
- It covers how individuals want to be treated, what they want loved ones to know about them, and their funeral wishes.
- Distribute copies of the Five Wishes to relevant parties and keep the original in a safe place at home.
- Aging with dignity involves ensuring that family members are aware of an individual's final wishes.
Before we delve into the details of The Five Wishes, let's take a moment to talk about something a little lighter. In our previous episodes, we featured a winery called Billsboro on Seneca Lake. If you ever find yourself in the Finger Lakes area of New York, I highly recommend visiting Billsboro. Their wines are delightful, and the setting in their beautiful old barn is truly picturesque. One wine that stood out to me was their 2022 Sarah, which will be released soon. It's a light and rich-flavored wine that I believe many wine enthusiasts will enjoy.
Now, let's get back to the topic at hand: The Five Wishes. This document is a comprehensive living will that covers various aspects of your healthcare and end-of-life wishes. It was created with the help of the American Bar Association Commission on Law and Aging and is available in 29 languages.
The Five Wishes addresses five key areas:
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Choosing a Healthcare Decision-MakerThe first wish allows you to designate the person you want to make healthcare decisions for you if you are unable to do so yourself. This person, known as your healthcare proxy or agent, will have the authority to make medical decisions on your behalf. It's crucial to choose someone you trust and who understands your values and wishes.
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Defining Your Medical Treatment PreferencesThe second wish focuses on your preferences for medical treatment. It allows you to specify the kind of medical treatment you want or don't want in various scenarios. You can outline your preferences for pain management, comfort, and life-supporting treatments. The document provides options for you to be as specific as you'd like, ensuring that your wishes are known and respected.
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Ensuring Comfort and DignityThe third wish centers around your desire for comfort and dignity. You can express how you want to be cared for, including specific requests such as having pictures of loved ones in your room, being treated with kindness and cheerfulness, or even being called by a particular name or nickname. This wish allows you to define how you want people to treat you during your healthcare journey.
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Communicating Your Personal WishesThe fourth wish is an opportunity for you to communicate your personal wishes to your loved ones. You can express forgiveness, love, and any other sentiments you want your family and friends to know. Additionally, you can outline your preferences for your body after death, such as burial, cremation, or donation. This wish ensures that your
Hey there, wine enthusiasts and financial aficionados! In this episode of "Wine and Dime," I'm thrilled to uncork the complex topic of Power of Attorney in Estate Planning. We'll pour out the details, swirl them around, and give you a taste of why this legal document is a crucial part of your financial vineyard. So, grab your favorite glass, sit back, and let's dive into the world of Power of Attorney, one sip at a time.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Takeaways:
- Powers of attorney can be either temporary or permanent and are essential for planning for emergencies and incapacity.
- A durable power of attorney remains in effect even if the principal becomes incapacitated, while a nondurable power of attorney ends in such situations.
- It is crucial to appoint a trustworthy agent with integrity and consider appointing a secondary agent as a backup.
- A durable financial power of attorney allows the agent to handle the principal's financial affairs, while a durable healthcare power of attorney enables the agent to make medical decisions.
- Powers of attorney do not continue beyond a person's life, and separate documents are needed for financial and healthcare powers of attorney.
A Journey to Billsboro WineryI kicked off the episode with a delightful recount of my visit to Billsboro Winery. Nestled on the shores of Seneca Lake, this winery is a must-visit for all wine lovers. My recommendation? The Alberino - a refreshing white grape wine that's perfect for summer. So, whether you're a local or a visitor, make sure to add Billsboro Winery to your itinerary.
Decoding Power of AttorneyNext, I uncorked the main topic of the episode: Power of Attorney. I explained the two types of Power of Attorney - financial and healthcare - and the difference between durable and non-durable. I emphasized the importance of appointing a trustworthy agent and having a successor in place. Remember, this isn't legal advice, but a guide to help you understand the terminology and its relevance to your life.
Pitfalls to AvoidI also highlighted some common pitfalls to avoid when dealing with Power of Attorney. From appointing the wrong agent to not having access to the physical document, I outlined potential issues that could leave a sour taste in your financial planning.
Recommended WineTo pair with this episode's theme, I recommend the Alberino from Billsboro Winery. Much like a Power of Attorney, this wine is there for you when you need it most, providing a refreshing, reliable taste that you can count on. So, as you navigate the complexities of estate planning, take a moment to savor Alberino's crisp, light flavors. After all, who said legal discussions couldn't be paired with a delightful wine?
That's it for this episode of "Wine and Dime." Stay tuned for our next episode, where we'll delve deeper into your final wishes. Until then, keep sipping, keep learning, and remember - life, like wine, should be savored, not judged. Cheers!
Welcome to another illuminating episode of Wine and Dime, where we explore and demystify financial landscapes while celebrating life's finer things. This week's episode is packed with insightful discussions, unraveling the latest updates on student loan repayments following a recent Supreme Court ruling.
Hosted by Amy Irvine, CEO and Owner of Rooted Planning Group, this episode will guide you through this complex situation, equipping you with knowledge to navigate the shifting sands of student loans in the United States.
Wine or Winery RecommendationLet's kick off this episode with a wine recommendation. This week, we introduce you to Billsboro Winery located on the picturesque Seneca Lake. Offering a unique mix of European style wines, Billsboro specializes in blended wines and a delightful summer Rosé.
Indulge in their flavorful Cabsellagnon and Sarah blends, or savor their diverse and vibrant Rosé. Besides the wines, you can delight in their specially curated charcuterie board. The winery also offers a delectable chocolate pairing for those with a sweet tooth. To learn more about their offerings or plan your visit, head over to Billsborowinery.com.
Remember:
- Make a reservation due to the winery's intimate size
- Visit their website for online purchases if you're outside the Finger Lakes area
- Enjoy their uniquely blended wines and pairings
Main Discussion: Current State of Student Loans and the Supreme Court DecisionIn the wake of the COVID-19 pandemic, federal student loans were temporarily paused. However, a recent Supreme Court decision has stirred the waters. This ruling blocks the Biden administration's efforts to cancel up to $20,000 in federal student loans.
Key Highlights:
- Interest on federal student loans will start accruing from September 1, with payments beginning in October
- Updating personal information and balances with your student loan provider is essential
- Consider income-driven repayment and public service loan forgiveness to cancel student loan debt
Amy goes on to delve into specific repayment plans like IBR (Income Based Repayment) and ICR (Income Contingent Repayment). She also shares valuable tips for managing and planning for your student loan repayment.
Closing RemarksThe world of student loans can be confusing and daunting. Stay tuned with Wine and Dime for more updates, especially with the unveiling of the new SAVE plan that offers several benefits to student loan borrowers.
In the meantime, do start budgeting for your repayments and explore organizations like Tisla, which provide free and fair student loan advice.
Key Takeaways* Review and update your student loan provider account * Reconsider your repayment options, especially income-driven ones * Start budgeting for repayments, potentially setting aside money in a savings account * If you need additional help, consult organizations like TISLA * Stay informed about the upcoming SAVE plan
Recommended WineBillsboro Winery
Located on Seneca Lake, Billsboro Winery produces elegant wines to suit various occasions. Their unique blends, like Cabsellagnon and Sarah, offer a rich and full-bodied flavor profile. Their summer Rosé is a refreshing treat. Visit their website or make a reservation to experience their exceptional wine tasting experience.
Website: Billsboro Winery
Ensure to tune in next time for another exciting episode of Wine and Dime, where we make financial education as enjoyable as a glass of your favorite wine!
Welcome back to Wine and Dime, where we delve into the rich nuances of financial planning, just as one might explore the complexities of a fine wine. In this episode, Amy Irvine, CEO and Founder of Rooted Planning Group, uncorks the topic of healthcare proxies in estate planning.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
What You'll Learn* The definition and purpose of a healthcare proxy within the context of comprehensive estate planning. * The importance of selecting a trusted person (or persons) who can make healthcare decisions on your behalf during difficult and emotional times. * Various scenarios and preferences you can outline in your healthcare proxy, including end-of-life decisions, organ donations, and specific medical treatments. * An understanding of the Health Insurance Portability and Accountability Act (HIPAA) and its impact on your healthcare information. * The relevance and importance of advanced directives and how they complement a healthcare proxy. * How to manage healthcare-related decisions in case of permanent unconsciousness or terminal conditions. * The necessity of open conversations with loved ones about your healthcare preferences and end-of-life wishes.
Wine Tour RecommendationRooted Vine Wine Tours | Santa Barbara Wine Tours & Tastings (rootedvinetours.com)
In keeping with the tradition of discovering wineries with a rooted theme, Amy brings to our attention the Rooted Vine Wine Tours based out of Santa Barbara. It's not a winery in itself but offers an exciting opportunity to explore various wineries in the region.
Whether you're a novice enthusiast or a seasoned connoisseur, Rooted Vine Wine Tours promises a delightful expedition through some of the finest vineyards Santa Barbara has to offer. Ideal for those planning a visit to the area or looking for a unique wine adventure.
Remember, like our financial journey, wine tasting is not just about the destination but the journey itself. You may just find your new favorite vine on the Rooted Vine Wine Tour!
Check out their website for more details and plan your wine tour extravaganza.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Hey there Wine and Dime listener!
Are you ready to dive into the world of estate planning with me? In this episode, we're going to talk about trusts - and trust me, it's not as complicated as you might think!
First, I'll give you an overview of the different types of trusts, including testamentary trusts, living trusts, and irrevocable trusts. We'll also dive into specific types of irrevocable trusts, like irrevocable life insurance trusts and charitable remainder trusts. Don't worry, I'll make sure you understand all the parties involved in a trust, including the grantor, beneficiary, and trustee.
One thing that I find super important is having a pour-over provision will to account for any assets accidentally left out of the trust. As a trustee, it's crucial to know about this provision and how it works - trust me on this one!
There are so many reasons for forming a trust, like blended households, clear asset distribution, privacy of asset distribution, and asset protection. And if you want to learn more, you can always check out the resources on the Rooted Planning Group website.
As always, don't forget to rate and subscribe to the show. And a big shoutout to T.J. Meehan, who helps with production. If you have any questions or want to learn more, you can contact me through the Rooted Planning Group website or follow us on social media.
In my opinion, estate planning is not just for the wealthy. It's for anyone who wants to make sure their assets are distributed according to their wishes. So, let's get started on securing our future by playing this episode now.
What You'll Learn:1. The types and purpose of various trusts, including Testamentary Trusts, Living Trusts, and Irrevocable Trusts. 2. The parties involved in a trust: The Grantor, The Beneficiary, and The Trustee. 3. The role of an executor in the trust process. 4. The various scenarios where forming a trust could be beneficial. 5. The nuances of estate planning with blended families.
Summary of Discussion:In this fruitful discussion, Amy Irvine, founder of Rooted Planning Group, takes a deep dive into estate planning with a focus on trusts. Trusts are vital tools in estate planning that ensure your assets are handled according to your wishes. The episode uncovers the different types of trusts, including Testamentary, Living, and Irrevocable Trusts, each serving unique purposes.
Amy also explains the roles of the three key players in a trust: The Grantor (who creates and funds the trust), the Beneficiary (who ultimately receives the proceeds from the trust), and the Trustee (who has a fiduciary responsibility to manage the trust).
Amy touches on the vital role of an executor who works closely with the trustee to ensure a smooth asset transfer. This episode also explores situations where forming a trust could be particularly beneficial, including blended households, probate reduction, privacy of asset distribution, and asset protection.
Winery Recommendation:Get your corkscrews ready because this episode's wine recommendation is Bricoleur Vineyards, a French winery in beautiful Sonoma County. While Amy hasn't tasted their wines yet, she was drawn to their theme of "roots," which resonates with the spirit of the Rooted Planning Group. They have a strong focus on their vineyard's roots, reminding us of the deep-seated connections between life, finances, and good wine.
Wrapping Up:This episode is a must-listen for anyone looking to take a deeper understanding of trusts and estate planning. As always, Amy encourages listeners to refer to additional resources available on rootedpg.com. Don't forget to share this episode with friends, rate it on iTunes, and prepare for the next episode. Now, raise a glass to smart financial planning...
Hey there, folks! I'm excited to share with you this episode of Wine and Dime, where I talk about the significance of estate planning. Trust me, it's a topic that you don't want to miss out on!
During this episode, I stress the importance of reviewing beneficiaries annually and provide some helpful tips, such as creating a spreadsheet or list of all accounts with named beneficiaries. I also explain the probate process and how it varies by state.
Furthermore, I dive into the importance of having a will and how creating an estate plan that includes a trust can protect financial details from becoming part of a public record. Trust me, it's a game-changer!
If you're feeling overwhelmed by the idea of estate planning, don't worry! I recommend consulting with an attorney or financial planner for complicated situations. It's always better to be safe than sorry when it comes to your finances.
So, grab a glass of your favorite wine, and tune in to this episode. You won't regret it!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Topics Covered:Probate and its process:* The probate process and its requirement can vary by state. * In some states, like California, probate is automatic. * The process involves several steps including obtaining a death certificate, identifying an executor or administrator for the estate, identifying assets, paying expenses like debts or taxes, and notifying or paying beneficiaries. * If there's a will, a judge validates it, and it usually needs to have witnesses. In some states, these witnesses must appear at probate, while in others, they can sign an affidavit when the will is signed.
Role of an Executor:* When there's a will, it identifies the executor, assets, beneficiaries, and any outstanding debts and obligations. * The executor's job can be simple or very involved, depending on the complexity of the estate. * The executor's responsibilities include taking stock of the decedent's assets, including those not listed in the will, ensuring control of the assets during the probate process, and possibly hiring an appraiser to determine the value of certain assets. * The executor also needs to notify creditors about the death, which includes banks and even publishing an obituary to alert unknown creditors. * Finally, the executor must resolve the estate, which includes paying off debts and distributing assets to the beneficiaries.
Probate without a Will (Intestacy):* If there's no will, either because the decedent did not prepare one or because the court rules the one they have to be invalid, the estate is said to be intestate. * In this case, any remaining assets, after debts are paid, go to the closest living relative. The determination of who this relative is can vary depending on state laws and personal circumstances.
Avoiding Probate:* While having a will can facilitate probate, it does not avoid the process entirely. * Some ways to potentially avoid probate include naming beneficiaries on all accounts, transfer-on-death arrangements, and trusts. * However, it's important to note that some assets are exempt from probate, such as life insurance trusts, jointly owned properties, and payable-on-death arrangements. Most retirement plans also fall outside of probate if beneficiaries are named. * For those wishing to avoid probate and protect...
Hey there! Welcome to this episode of Wine and Dime, where I am going to introduce you to a new series on estate planning. Trust me, it's going to be a blast!
So, let's dive right in! Estate planning is an important process that involves making some major decisions. And, if you're wondering why you need an estate plan, let me tell you, there are three basic reasons - privacy, protection of loved ones, and peace of mind.
Now, let's talk about the five components of estate planning. First up, we have a will, which is a legal document that outlines your wishes for your assets after you pass away. Then, we have a healthcare proxy, which is a document that designates someone to make medical decisions for you if you're unable to do so. Next, we have a HIPAA release, which allows your designated person to access your medical records. After that, we have a power of attorney, which gives someone the authority to make financial decisions on your behalf. And last but not least, we have naming guardians for any minor children.
It's important to do an annual review of your estate planning documents and pick primary and contingent guardians. Trust me, it's better to be safe than sorry. So, let's get started on this exciting journey of estate planning together!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Shout Out to the Winery of the WeekLiving Roots
- Amy gives a shout out to our sponsor, Living Roots. This unique winery boasts wines from Australia and Rochester, New York. If you're a wine enthusiast, you might want to check them out!
Estate Planning Explained* Amy defines estate planning as legal planning that helps you control who inherits your assets and who can make medical and financial decisions on your behalf. She emphasizes that her goal is to educate, not provide specific legal advice.
Why is Estate Planning Necessary?Amy discusses three reasons why estate planning is crucial:
- Control: Having an estate plan lets you decide who inherits your assets and makes important decisions for you.
- Peace of Mind: By determining the distribution of your assets in advance, you reduce potential conflicts after your death.
- Privacy: Proper planning ensures that your wishes are respected and your loved ones' privacy is protected.
Key Components of an Estate Plan* Beneficiary Designations: Deciding who will inherit your assets. * Method of Distribution: Establishing how and when your beneficiaries will receive their inheritance. * Trustees, Executors, and Powers of Attorney: Choosing the people who will make financial decisions for you if you're unable to do so. * Health Care Proxies: Appointing someone to make healthcare decisions on your behalf. * Guardians: If you have minor children, deciding who will care for them in your absence.
Wills vs Trusts* Amy explains the differences between a will and a trust. While both documents allow you to control who gets your assets, trusts offer more control and privacy.
Remember to review your estate plan regularly and ensure that your designated executors, proxies, and guardians are aware of their responsibilities.
Stay tuned for our upcoming episodes, where we'll delve deeper into different types of trusts, beneficiary designations,...
Welcome to another episode of our podcast, where we believe in blending financial acuity with the art of living well. Today, we're tackling a topic that can seem as complex and intimidating as a sommelier's wine list—the Debt Ceiling. In this session, our very own Amy Irvine, CEO and Founder of Rooted Planning Group, takes us on a guided tour of the fiscal landscape.
We'll be getting to grips with the intricacies of the Debt Ceiling, its importance in the U.S. economic system, and its potential implications on personal finance. Just as every grape variety has its own unique character, every financial concept has nuances that can profoundly impact your financial health. We'll distill these complex matters down into palatable, easy-to-understand bites.
And, speaking of bites, we won't be leaving you parched. Amy will be sharing her recent wine adventure as she takes us to the Walla Walla Valley in Washington State, promising us some delightful deep reds that are as surprising and fascinating as our topic of discussion. So, pour yourself a glass and get comfortable as we uncork the mysteries of the Debt Ceiling in this episode.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Key Discussion Points:1. What is the Debt Ceiling?: This episode unpacks the debt ceiling concept, which is the maximum amount of money Congress authorizes the federal government to borrow to meet its bills. It's crucial to note that these expenses are pre-approved, indicating that Congress is aware of expenses surpassing the revenue. 2. The Global Perspective: In a world where only the US and Denmark have a fixed debt ceiling, we ponder whether this approach is antiquated. Should the discussion also revolve around changing the formula? 3. Historical Precedents: We reflect on the four instances when the US, arguably, defaulted, and the closest we came to a default in 2011, which resulted in the loss of the AAA rating. 4. Potential Impact of a Default: The episode then explores the sobering potential consequences if the US were to default - including substantial GDP drop, millions of job losses, and the consequent hike in borrowing costs. 5. The 14th Amendment as a Solution? Finally, we discuss the implications of invoking the 14th Amendment to entirely remove the debt ceiling, a significant shift in our financial structure.
If you found our episode enlightening and engaging, don't hesitate to like, rate, and subscribe to Wine and Dime for more discussions that harmonize the world of wine and personal finance. Got queries or topics you want us to uncork in our future episodes? Feel free to reach out. Tune in next time for more financial insights as we continue our journey from the roots of your financial vineyard to the tips of your flourishing vines. Cheers to your financial well-being!
Wine Region Recommendation:In true Wine and Dime fashion, we can't explore the complexities of the Debt Ceiling without a fine wine to accompany our discussion. This episode, Amy takes us on a virtual wine tour to the lesser-known but nonetheless impressive Walla Walla Valley in Washington State.
Amy's journey into this stunning viticulture region reveals a treasure trove of deep, sumptuous red wines that promise to delight your palate. The Walla Walla Valley might not be as famous as its neighbors, the Columbia Valley and Willamette Valley, but its wines have a distinctive character that's worth seeking out. With rich, full-bodied flavors that echo the valley's unique terroir, these wines are a hidden gem for wine lovers looking to broaden their tasting experiences.
You can even explore this region further by visiting wallawallawine.com, which offers a wealth of information on the area, the vineyards, and even the possibility of membership options. Next time you find yourself perusing the wine store, look out for a bottle from Walla Walla Valley and discover the delicious secrets of this underappreciated wine region. Much like understanding the nuances of personal finance, you'll find that a little exploration can lead to rich rewards.
Want to learn more:1. Understanding the Debt Ceiling: Here is an accessible, easy-to-understand primer from Investopedia that explains the concept of the Debt Ceiling and its implications. 2. The US Debt Ceiling History: This article from The Balance presents a historical overview of the U.S. Debt Ceiling, providing insight into its past increases and the reasons behind them. 3. The US has never defaulted on its debt — except the four times it did | The Hill 4. The Potential Impact of a Default: A report from Moody's Analytics (login required) provides data-driven predictions about the potential fallout if the U.S. were to default on its debts. 5. Debt Ceiling and the 14th Amendment: This National Constitution Center article explores the debates around the potential application of the 14th Amendment to bypass the Debt Ceiling. 6. Walla Walla Valley Wines: Learn more about the Walla Walla Valley and its exquisite wines on the official Walla Walla Valley Wine Alliance website.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Economics 101: Understanding Economic TermsGet ready to dive into the world of finance like you've never done before! In this episode, our financial wizard Amy Irvine takes us on a whirlwind tour, decoding complex financial jargon and making it as easy as ABC. From short selling to capital gains, Amy breaks down intricate financial terms with her knack for making tricky concepts digestible. Ever wondered what 'market capitalization' really means? Or how about the strategy behind 'dollar cost averaging'? Well, you're in the right place.
But that's not all! Get ready to journey with Amy to the lush vineyards of Tennessee as she shares her wine region recommendation for this episode. With a glass of enchanting French Hybrid wine in hand, we promise you an enlightening experience where finance meets fun. So, buckle up for a roller coaster ride through the finance world and get ready to become the savvy investor you've always dreamed of being. Cheers to knowledge and good wine!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Market Capitalization* Amy kicks things off with a clear definition of market capitalization and how it divides companies into categories of large cap, mid cap, and small cap. These terms, based on the overall value of a company's publicly traded shares, can greatly influence investment strategies.
Dollar Cost Averaging* Next up, we discuss dollar cost averaging, a strategy that involves regularly investing a fixed amount of money, regardless of asset price. Amy explains why this method can help investors avoid the pitfalls of market timing and reduce the impact of market volatility.
Liquidity* Amy gives a great explanation of liquidity, referring to how quickly assets can be converted into cash. She also introduces us to its opposite - illiquidity - and discusses how these concepts can affect your financial decisions.
Short Selling* We then move onto short selling, a topic that has made headlines in recent years. Amy breaks down this high-risk investment strategy and why it's not typically recommended for most investors.
ETFs vs Mutual Funds* Amy helps us understand the difference between exchange-traded funds (ETFs) and mutual funds. While they may seem similar, they're traded differently and can have distinct implications for your investment portfolio.
Capital Gains & Capital Gain Distributions* Finally, we delve into the world of capital gains and capital gain distributions. Amy highlights the important differences between these two terms and how they can affect your tax return.
If there are any financial terms you've heard and want to learn more about, we encourages listeners to reach out. We are always eager to help unravel the complexities of financial terminology and make finance more accessible to everyone.
Wine Region RecommendationIn this episode, Amy invites us on a captivating journey through the flourishing vineyards of Tennessee, USA. Tennessee is making its mark in the wine world with its French Hybrid wines. These wines, bred to resist the harsh American winters and various vine diseases, provide a unique flavor profile that sets Tennessee wines apart.
From the Appalachian High Country to the banks of the Mississippi River, Tennessee's diverse landscape offers a myriad of wine experiences. The state's vineyards, characterized by their Southern charm and hospitality, provide unforgettable tastings, guided tours, and a deep immersion into the vibrant local culture. If you're a wine enthusiast, your next adventure in the heart of America should be exploring Tennessee's burgeoning wine industry!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome to another exciting episode of Wine and Dime, where we blend the fascinating world of economics with the delightful flavors of wine. Today, we're diving into the intriguing depths of investor sentiment, market trends, and stock valuations, all while taking a virtual trip to the captivating wine regions of New Mexico! Sit back, pour yourself a glass of your favorite vino, and join us as we unravel the mysteries of the stock market and uncover the hidden treasures of New Mexico's rich wine heritage. Let's embark on this delectable journey together! Cheers!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
In this insightful episode of Economics 101, we dive into some key economic concepts and indicators that impact our financial lives. Here's what you'll learn:
Investor Sentiment:
- The role of investor sentiment in the stock market
- How the American Association of Individual Investors (AAII) survey measures market optimism
Stock Market and the Economy:
- The relationship between the stock market and the economy
- How the stock market serves as a leading indicator
Stock Market Valuations and Earnings Growth:
- The significance of corporate earnings growth and its relationship to market valuations
- How the S&P 500 earnings have evolved over time and its impact on the stock market
Moving Averages in the Stock Market:
- The importance of moving averages as a tool to understand market trends
- An overview of the 50-day, 100-day, and 200-day moving averages and their significance
Wine Region:In this scrumptious episode of Wine and Dime, we're venturing off the beaten path and exploring the captivating wine region of New Mexico. Often overlooked in favor of its more famous neighbors, New Mexico boasts a rich viticultural history dating back to 1629, when Franciscan friars first planted wine grapes in the fertile soil of the Rio Grande Valley.
So, grab your wine glasses, adventurers, as we embark on a sensory journey through the enchanting landscapes of New Mexico's flourishing vineyards. From the historic Middle Rio Grande Valley to the picturesque valleys of Mimbres and Mesilla, we'll unearth the secrets of New Mexico's winemaking past and present.
Prepare to be amazed as we uncover how the local wineries have collaborated with Italian, Spanish, and French vintners to create innovative hybrid grapes that capture the essence of New Mexico's unique terroir. As you sip on your favorite beverage, imagine the sun-drenched vines, the whispers of the desert winds, and the tantalizing aromas of New Mexican wines waiting to be discovered.
Whether you're a seasoned wine connoisseur or a curious newbie, let this episode of Wine and Dime be your guide to the hidden gems of New Mexico's wine country. Who knows? You might just find your next favorite bottle or plan a trip to this enchanting region. So, let's toast to the spirit of adventure and the delightful flavors that await us in the vineyards of New Mexico. Cheers!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome to another exciting episode of Wine and Dime with your host, Amy Irvine! In this episode, we'll not only dive deep into the world of economics, but also embark on a delightful exploration of the Virginia wine region. Get ready to learn about the state's rich history of wine production, the unique varietals it offers, and the beautiful landscapes where these grapes flourish. So, pour yourself a glass of your favorite Virginia wine, sit back, and join Amy as she uncorks a wealth of knowledge about both CPI and unemployment, as well as the fascinating world of Virginia's wine industry. Cheers!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Episode Summary:In today's episode, Amy Irvine explores the connection between economic indicators like the Consumer Price Index (CPI) and unemployment, and how they influence consumer sentiment. As Amy breaks down the complexity of CPI, she highlights its various components and how they relate to inflation.
The discussion then moves on to the relationship between unemployment and inflation, with Amy explaining the significance of the U3 and U6 unemployment rates. She emphasizes the importance of monitoring these rates to understand their potential impact on the economy.
Lastly, Amy delves into the connection between consumer and investment sentiment, explaining the importance of consumer sentiment as an economic indicator. By understanding consumer sentiment, we can better grasp how it affects spending and overall GDP.
Don't miss out on this informative episode that sheds light on the complex relationships between economic indicators and consumer behavior. And if you haven't already, make sure to listen to the previous episodes in this six-part series to get a comprehensive understanding of the economy and its impact on our daily lives.
Virginia is for Wine Lovers:In this episode, host Amy Irvine takes a detour from the economic discussion to share her passion for wine, specifically exploring the wine industry in Virginia. She reveals that wine production in the state dates back to the early days of European colonization in the 17th century. Despite the hot and humid summers that can pose a challenge to viticulture, the Virginia wine industry has grown significantly in the last 20 years.
Amy highlights that French hybrid varieties account for about 20% of the total grape production in Virginia, while American varietals make up approximately 5%. She shares the top ten varietals produced in the region, such as Chardonnay, Cabernet Franc, Merlot, and Viognier. Amy also notes that the central and northern Virginia County area, particularly just east of the Blue Ridge Mountains, is responsible for a significant portion of the state's wine production.
Amy's enthusiasm for the Virginia wine industry is evident as she expresses her desire to visit and explore the region in person, and she encourages listeners to share their recommendations for great Virginia wines that she could try and potentially feature on the show in the future.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome back, Wine and Dime listeners! In this episode, we're popping open a bottle of something special as we continue our journey through Economics 101. But before we dive into the intricacies of GDP and the trade balance, let's take a moment to savor the flavors of Michigan's wine industry. Yes, you heard me right - Michigan! From Cabernet Franc to Riesling, Michigan's wineries are producing over 3 million gallons of wine each year. And with over 200 commercial wineries in the state, there's plenty to explore on our tasting tour. But don't worry, we'll make sure to keep our glasses full as we also dive into the ins and outs of GDP, consumer spending, investment, government spending, and net exports. So sit back, pour yourself a glass of your favorite vintage, and join us as we explore the fascinating world of Economics 101.
What you will learn:
- Recap of the importance of the Fed funds rate and understanding economic indicators
- What is GDP and how it is measured
- The components of GDP: consumer spending, investment spending, government spending, and the trade balance
- The significance of the trade balance and the concept of a trade surplus
- Overview of Michigan's wine industry and the variety of grapes grown in the region
- The difference between net exports and total exports and imports
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Outline:* Introduction: Recap of the first two episodes on the Fed funds rate and understanding economic indicators * Understanding GDP: Definition of GDP as the total value of finished goods and services produced within a country's borders * Discussion of the different ways GDP is reported (nominal, real, and PPP) * Explanation of the components of GDP: consumer spending, investment spending, government spending, and the trade balance * Components of GDP: Breakdown of the overall percentages of GDP: consumer spending (68%), investment spending (18%), government spending (18%), and net exports (-3%) * Explanation of each component: consumption, investment, government spending, and net exports * Definition of a trade surplus and how it measures a country's positive trade balance * Conclusion: Preview of the next episode on CPI and unemployment
Wine Recommendations: The Michigan wine scene is full of surprises, and we've got the inside scoop on some of the most interesting facts:
- Michigan wine refers to any wine made within the state's borders, and with over 200 commercial wineries producing 3 million US gallons of wine, there's plenty to explore.
- European grape varieties such as Cabernet Franc, Chardonnay, Gewürztraminer, Dornfelder, Pinot Noir, Merlot, Syrah, Pinot Gris and Riesling are grown in the region, making for a diverse and delicious selection of wines.
- The wine industry in Michigan has been growing rapidly, with 3375 acres under wine grape cultivation as of 2020, up from 112 operating wineries in 2007.
- Michigan's unique climate and geography, with its proximity to the Great Lakes, provide the perfect conditions for grape growing, resulting in high-quality wines that are winning awards and gaining recognition around the world.
- If you're planning a trip to Michigan to explore its wine scene, make sure to check out the wine trails, which offer a fun and educational way to experience the region's wineries and tasting rooms.
Whether you're a seasoned wine connoisseur or just starting to explore the world of wine, Michigan's wine scene is definitely worth a visit!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome to another fun episode of Wine and Dime with Amy Irvine, where we chat about money matters while enjoying some fantastic wine. In today's episode, we'll explore the world of economic indicators, making it easy to understand for everyone. And what better way to learn than with a tasty glass of Airlie Winery's Rosé of Pinot Noir by our side? So, grab your favorite wine glass and join us as we dive into the world of finance with a touch of Oregon's finest wine. Get ready to learn, laugh, and sip with us. Cheers!
What You Will Learn:* Economic terms and their impact on everyday life * Understanding leading economic indicators (LEIs) and how they signal a recession * The role of the Institute for Supply Management (ISM) in tracking economic activity
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Understanding Economic Indicators:The importance of LEIs and how they help predict a recessionAverage weekly hours in manufacturing
- Average weekly initial claims for unemployment insurance
- Manufacturers' new orders for consumer goods and materials
- Manufacturers' new orders for non-defense capital goods (excluding aircraft orders)
- Building permits for new private housing units
- S&P 500 leading credit index
- Interest rate spreads
- Average consumer expectations for business conditions
Institute for Supply Management (ISM) activity growth manufacturing index: composite of new orders, production, employment, supplier deliveries, and inventories
- Non-manufacturing index: composite of business activity, new orders, employment, and supplier deliveries
Wine Recommendation Highlight:Sipping on Airlie Winery's Rosé of Pinot Noir
Amy shares her love for Airlie Winery's Rosé of Pinot Noir, a refreshing and spicy wine that she enjoyed during her visit to Oregon's Willamette Valley. This delightful wine helped her get through the 2023 tax season, making it a personal favorite.
Featured Wine:
- Airlie Winery's Rosé of Pinot Noir: A refreshing and spicy Rosé perfect for wine enthusiasts looking for something different.
For more information on Airlie Winery and their range of wines, visit their website or check them out when you're in the Oregon Willamette Valley area. And remember to share your favorite wine recommendations with us on Facebook and Instagram @rootedpg. Cheers!
Helpful Links:1. Rooted Planning Group: Learn more about the financial planning services offered by the episode's sponsor, Rooted Planning Group - www.rootedpg.com 2. Airlie Winery: Discover Airlie Winery's Rosé of Pinot Noir and their other wines - www.airliewinery.com 3. National Bureau of Economic Research (NBER): Find information on leading economic indicators and other economic data - www.nber.org 4. Institute for Supply Management (ISM): Learn more about the ISM indices and economic activity - www.ismworld.org 5. Wine and Dime Facebook: Follow Wine and Dime on Facebook for the latest news and updates - www.facebook.com/rootedpg 6. Wine and Dime Instagram: Stay connected with Wine and Dime on Instagram - www.instagram.com/rootedpg
Explore these helpful links to learn more about the topics discussed in this episode and stay informed about economic indicators, financial planning, and, of course, great wine recommendations!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Hi there, Wine and Dime listeners! Amy Irvine here, and I want to start a series on economics. I've realized that during some of my presentations, not everyone may be familiar with some of the terms I use. So, over the next six weeks, I'll be discussing various economic topics that may be new to you but are important to understand. This week, let's start with understanding the importance of the Fed Funds Rate.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Understanding the Importance of the Fed Funds RateThe Fed Funds Rate has been making headlines over the past year and a half, with projections showing interest rate hikes to slow inflation. Here's what you need to know:
- What is the Fed Funds Rate? The Fed Funds Rate is the interest rate at which banks lend to each other overnight. It's set by the Federal Reserve to influence economic activity.
- Why is it important? The Fed Funds Rate affects everything from the yield on your savings account to the price of goods and services.
- How does it affect you? Changes in the Fed Funds Rate can impact your borrowing costs, your investments, and even your job opportunities.
Other Key Terms to Know* Yield Curve: The yield curve is the difference between short-term and long-term interest rates. An inverted yield curve, where short-term rates are higher than long-term rates, can signal an economic slowdown. * APR vs. APY: APR (annual percentage rate) is the interest rate you pay on a loan, while APY (annual percentage yield) is the interest rate you earn on an investment. Make sure you know the difference! * Basis Points: A fancy term for percentage points. 100 basis points equal 1%.
My Exploration of Scottish WineAs many of you know, I'm planning a trip to Scotland in 2024, and I've started to get educated about the country. Believe it or not, Scotland has some wineries! While they don't produce a lot of wine, I came across a winery called Chateau Largo during my research. I'm always up for trying new things, so I'm challenging you to find a Scottish wine that you enjoy. If you do, please report back to me!
Where to Learn MoreIf you want to learn more about the Fed Funds Rate and other economic terms, check out the links below:
- Federal Reserve: What is the Fed Funds Rate?
- Investopedia: Yield Curve
- NerdWallet: APR vs. APY
That's all for now. Stay tuned for more economic topics in the coming weeks. Cheers!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Welcome to Wine and Dime, the podcast that uncorks the mysteries of personal finance! Today, we're diving into the nitty-gritty of business expenses. As a solopreneur or small business owner, you want to maximize your deductions and minimize your tax bill, right? Well, buckle up, because our guest experts, Kate Welker and Amy Irvine, are ready to help you do just that. From office supplies to travel expenses, from depreciation to employee benefits, they'll guide you through the maze of IRS rules and regulations. So grab a glass of your favorite vintage, and get ready to toast to your financial success!
What you will learn:
- The importance of keeping accurate records of business expenses for tax purposes
- The difference between deductible and non-deductible expenses, and how to determine which category an expense falls under
- How to calculate depreciation on assets and determine when to list them separately on tax returns
- The nuances of travel and meal expenses, including what is deductible and what is not
- The importance of paying both the employer and employee side of Medicare and Social Security taxes as a self-employed individual
- The benefits of solo 401k plans and other employee benefit programs for solo entrepreneurs
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
The Wine - 2015 WALLA WALLA VALLEY SYRAH DESSERTIf you're a fan of dessert wines, you won't want to miss out on the 2015 WALLA WALLA VALLEY SYRAH DESSERT from Pudding River Winery. This rich and complex wine offers flavors of black cherry, chocolate, and spice, with a smooth finish that lingers on the palate. It's the perfect wine to enjoy after a meal or to pair with a decadent chocolate dessert. Visit Pudding River Winery's website to learn more about this delicious wine and how to get your hands on a bottle.
Useful Links* IRS Schedule C: https://www.irs.gov/forms-pubs/about-schedule-c-form-1040 * IRS Publication 535 (Business Expenses): https://www.irs.gov/forms-pubs/about-publication-535 * IRS Publication 463 (Travel, Entertainment, Gift, and Car Expenses): https://www.irs.gov/forms-pubs/about-publication-463 * IRS Publication 587 (Business Use of Your Home): https://www.irs.gov/forms-pubs/about-publication-587 * Solo 401k: https://www.irs.gov/retirement-plans/one-participant-401k-plans * Self-employment taxes: https://www.irs.gov/businesses/small-businesses-self-employed/self-employment-tax-social-security-and-medicare-taxes * Pudding River Winery: Pudding River Wine Cellars Boutique-styled wines from Oregon * WALLA WALLA VALLEY SYRAH DESSERT: Pudding River Wine Cellars 2015 Walla Walla Valley Syrah Dessert (Port Style) * Rooted Planning Group: Rooted Planning Group (rootedpg.com)
Overall, this episode of the Wine and Dime podcast offers a wealth of information for anyone trying to navigate the world of business expenses. Whether you're a seasoned business owner or just starting out, you're sure to learn something new and valuable. So, pour yourself a glass of your favorite wine and tune in to this informative and engaging episode!
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Bank Failures and Insurance LimitsWelcome to the Wine and Dime podcast, where financial topics are uncorked and discussed like a fine bottle of wine.
In today's episode, Amy talks about the recent bank failures and the insurance limits that protect your funds. Before diving into the topic, Amy mentions her wine recommendation for the day - a 2019 Bourbon Barrel Cab from Berklee Winery in Lubbock, Texas. Moving on to the topic, Amy explains the different types of insurances available, such as FDIC and NCUA, and the limits for each. She also highlights the differences between the types of accounts that are covered and not covered. Investments made in stocks, bonds, mutual funds, crypto assets, and annuities are not covered under FDIC insurance. Amy provides a useful link to help listeners check if their funds exceed the FDIC limits.
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
What you'll learn:* Recent bank failures have caused concerns about the safety of deposited funds * Different types of insurance available: SIPC, FDIC and NCUA * FDIC insurance covers checking accounts, savings accounts, CDs, money market deposit accounts, and other official checks issued by a bank * FDIC insurance does not cover stock investments, bond investments, mutual funds, any kind of crypto assets, life insurance policies, annuities, any kind of municipal securities, safe deposit boxes or their contents, and then U.S. Treasury bills or bonds or notes * The standard insurance amount is $250,000 per depositor
Wine Recommended: 2019 Bourbon Barrel Cab from Berklee WineryThe 2019 Bourbon Barrel Cab from Berklee Winery in Lubbock, Texas is a wine that is sure to please any wine enthusiast. This wine is a Cabernet Sauvignon that has been aged in bourbon barrels, giving it a unique flavor profile that is sure to impress.
The wine is dark and rich, with aromas of blackberry, black cherry, vanilla, and oak. On the palate, the wine is full-bodied with flavors of dark fruit, vanilla, and a hint of caramel. The bourbon barrel aging adds a subtle smokiness and complexity to the wine, making it a great pairing for rich, hearty dishes like grilled steak or roasted lamb.
Berklee Winery is located in Lubbock, Texas, which is known for its hot and dry climate. Despite this challenging environment, Berklee Winery has managed to produce some exceptional wines using sustainable farming practices and a commitment to quality.
Overall, the 2019 Bourbon Barrel Cab from Berklee Winery is a fantastic choice for anyone looking to try something new and exciting in the world of wine. Whether you're a seasoned wine drinker or a beginner, this wine is sure to impress with its unique flavor profile and exceptional quality.
Helpful Links:* Rooted Planning Group: www.rootedpg.com * Berklee Hill Vineyards: www.berkleyhillvineyards.com * FDIC Insurance: www.fdic.gov/deposit/deposits * FDIC Insurance Estimator: www.fdic.gov/edie/ * NCUA share insurance: https://www.ncua.gov/insured-funds * SIPC coverage: https://www.sipc.org/for-investors/what-sipc-protects
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Pairing Schedule 3 with the Perfect Wine: A Tax Season GuideIn this episode of the Wine and Dime podcast, host Amy Irvine discusses Schedule 3 of the 1040 tax form, which covers additional credits and payments. Schedule 3 of the 1040 tax form is like the third glass of wine - it's necessary to finish, but you're not sure if it's worth the headache tomorrow.
Kidding aside,
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Here are some key points from the episode:* Schedule 3 is where you might get some additional credits and payments after your taxes have been calculated. * The first part of Schedule 3 is for non-refundable credits. If you don't pay enough in taxes, these credits will offset any amount of liability or tax computation that you might owe. * You can also get a foreign tax credit if you paid taxes on international funds held within your brokerage account. * The credit for child and dependent care expenses can provide some benefit based on your income level and the amount paid for childcare, with the maximum credit being $3,000 for one child and $6,000 for two or more qualifying children. * Education credits such as the American Opportunity Credit and the Lifetime Learning Credit are available for those who have college expenses. * If you are saving for retirement, you may be eligible for a retirement credit.
Winery Recommendation:Pudding River Winery is a family-owned and operated vineyard located in Salem, Oregon, that has been producing award-winning wines since 2003. The winery's name is inspired by the nearby Pudding River, which flows through the beautiful Willamette Valley. The winery's mission is to create unique and high-quality wines that reflect the distinct terroir of their vineyard.
Pudding River Winery's vineyard spans over 22 acres, and it is planted with several grape varietals, including Pinot Noir, Chardonnay, Pinot Gris, Riesling, and Syrah. The winery uses sustainable farming practices, such as composting and cover cropping, to ensure that their grapes are healthy and vibrant. Their wines are handcrafted in small batches, using traditional winemaking techniques and minimal intervention, to showcase the natural flavors and aromas of the grapes.
The winery's tasting room is a charming and cozy space, decorated with warm wood accents and beautiful artwork. Visitors can taste a selection of the winery's current releases, including their Pinot Noir, Chardonnay, Pinot Gris, and Riesling. Pudding River Winery also offers guided tours of their vineyard and winery, where visitors can learn about their winemaking process and the history of the winery.
If you are interested in trying Pudding River Winery's wines, you can purchase them directly from their website or visit their tasting room in Salem. Some of their wines are also available for purchase at local wine shops and restaurants in Oregon. Here are some additional links to explore their wine selection:
- Pudding River Winery's online store: https://puddingriver.orderport.net/wines/Current-Releases
- Wine Enthusiast's review of Pudding River Winery's 2018 Pinot Noir: https://www.winemag.com/buying-guide/pudding-river-2018-pinot-noir-willamette-valley/
- Pudding River Winery's Instagram page: https://www.instagram.com/puddingriverwine/
Helpful Resources:* The IRS website has information on Schedule 3, including the instructions for completing the form: https://www.irs.gov/forms-pubs/about-schedule-3-form-1040 * The IRS also has a page dedicated to foreign tax credits: https://www.irs.gov/individuals/international-taxpayers/foreign-tax-credit * The credit for child and dependent care expenses is explained on this page of the IRS website: https://www.irs.gov/credits-deductions/individuals/child-and-dependent-care-credit * The American Opportunity Credit and Lifetime Learning Credit are explained on this page of the IRS website: https://www.irs.gov/credits-deductions/individuals/education-credits-aotc-llc * The IRS website has information on the Retirement Savings Contributions Credit (also known as the Saver's Credit): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit
FAQ:Q: What is Schedule 3 of the 1040 tax form?
A: Schedule 3 is an attachment to the 1040 tax form used to report certain tax credits and payments, such as the foreign tax credit or the additional child tax credit.
Q: Can I file my taxes without using Schedule 3?
A: It depends on your individual tax situation. If you do not have any eligible tax credits or payments to report, you may not need to file Schedule 3. However, it's important to consult with a tax professional or use tax preparation software to ensure you are filing correctly.
Q: What types of wine does Pudding River Winery offer?
A: Pudding River Winery offers a variety of wines, including Pinot Noir, Pinot Gris, Chardonnay, Syrah, and more. You can check out their selection on their website or visit their tasting room to sample their wines in person.
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
Amy Irvine of Wine and Dime is back with another episode, and this time she's uncorking the secrets of Schedule 2 from the 1040 tax document. It may sound daunting, but Amy breaks it down like a fine wine, explaining the different types of taxes and penalties that can show up on Schedule 2.
But what's a tax episode without a wine recommendation? Amy suggests pairing your tax prep with a glass of Pudding River Winery's Willamette Valley Chardonnay. This "delightful" wine is the perfect complement to your financial musings, with its notes of apple and pear and a smooth finish that will leave you feeling refreshed and ready to tackle your taxes.
So next time you're faced with the daunting task of Schedule 2, remember to take it one sip at a time and pair it with a delicious glass of wine. Cheers to financial wellness and a well-stocked wine rack!
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Main Discussion: Amy discusses Schedule 2 from the 1040 tax document, which includes additional taxes and penalties that a taxpayer may owe. She explains that Schedule 2 is used to report alternative minimum tax, excess advance premium tax credit repayment, additional taxes on IRA or other qualified retirement plans, and other taxes. Amy provides a helpful overview of each of these taxes and explains how they may apply to individual taxpayers.
In conclusion, Amy highlights the importance of understanding Schedule 2 and how it impacts your taxes. And of course, they recommend enjoying a glass of Pudding River Winery's Willamette Valley Chardonnay while reviewing your taxes.
Wine Recommendation: On this episode, Amy recommends a 2015 Willamette Valley Chardonnay from Pudding River Winery. She describes the wine as "delightful" with notes of apple and pear, a touch of vanilla, and a smooth finish. Pudding River Winery is a small, family-owned vineyard located in Salem, Oregon. Visit their website at puddingriver.com to learn more about their wines and vineyard.
Links that you might find helpful:
- Schedule 2 of the 1040 tax document - The IRS website provides information on Schedule 2, including the different types of taxes and penalties that are reported on it: https://www.irs.gov/forms-pubs/about-schedule-2-form-1040
- Alternative Minimum Tax (AMT) - The Tax Foundation has an article that provides a comprehensive overview of AMT, including how it works and who may be subject to it: https://taxfoundation.org/alternative-minimum-tax/
- Excess Advance Premium Tax Credit Repayment - The healthcare.gov website provides information on this tax, including how it is calculated and who may be subject to it: https://www.healthcare.gov/glossary/excess-advance-premium-tax-credit-repayment/
- Additional Taxes on IRA or other Qualified Retirement Plans - The IRS website provides information on these taxes, including the different types of retirement plans that may be subject to them: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions
- Pudding River Winery - The winery's website provides information on their wines, vineyard, and tasting room: https://puddingriver.com/
- Rooted Planning Group - The financial planning group's website provides information on their services, team, and approach to financial planning: https://www.rootedpg.com/
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help.
Visit www.rootedpg.com to learn more.
In this episode of Wine and Dime, Amy Irvine is back to talk about the wonderful and illustrious 1040! Amy dives into Schedule 1, which is actually an extension of the front side of the 1040. Schedule 1 is all about additional income and adjustments to income.
What you'll learn:
- Different income items included in Schedule 1
- Form 4797 and Form 2550
- Types of income need to be reported on Schedule 1
- Pudding River Pinot Noir for International Women's Day
Remember, just like a good bottle of wine, the Wine and Dime Podcast gets better with time. So don't forget to rate and subscribe to our show, where we blend the flavors of wine and personal finance to help you achieve financial freedom!
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
I. Additional Income Items
- Taxable refunds, credits, and offsets to state and local income taxes
- Alimony payments received (before or after 2019)
- Business income or loss (covered in more detail in part five)
- Other gains or losses (reported on Form 4797)
- Rental income (reported on Schedule E)
- Farm income or loss (reported on Schedule F)
- Unemployment compensation
- Any other income received (e.g. net operating loss, gambling, foreign earned income exclusion)
- Income from other resources (various forms may be required)
- Alaska permanent fund dividends
- Jury duty pay
- Prizes or awards
II. Adjustments to Income
- Educator expenses
- Certain business expenses of reservists, performing artists, and fee-basis government officials.
- Health savings account (HSA) contributions
- Moving expenses
- Deductible part of self-employment tax
- Self-employed SEP, SIMPLE, and qualified plans
- Self-employed health insurance deduction
- Penalty on early withdrawal of savings
- Alimony paid (before or after 2019)
- IRA contributions
- Student loan interest deduction
- Tuition and fees deduction
Conclusion:
- Schedule 1 is an important part of the 1040 tax form that covers additional income and adjustments to income.
- By understanding what needs to be reported and deducted, taxpayers can ensure they are accurately completing their tax return.
Pudding River Winery's Pinot Noir:
- From the Willamette Valley in Oregon, Pudding River Winery's Pinot Noir is a complex and elegant wine with a deep ruby color and aromas of cherry, raspberry, and vanilla.
- On the palate, it has a smooth and silky texture with flavors of red fruit, spice, and a hint of earthiness.
- This wine pairs well with grilled salmon, roasted duck, or mushroom risotto.
- It has received high ratings from wine critics and is a great choice for those looking to explore the world of Oregon Pinot Noir.
Links discussed in this episode:
- The IRS website provides detailed instructions on how to fill out Schedule 1, including a line-by-line breakdown: https://www.irs.gov/forms-pubs/about-schedule-1-form-1040
- Pudding River Winery: https://www.puddingriverwinecellars.com/
- Oregon Wine Board: https://industry.oregonwine.org/
- Willamette Valley: https://willamettewines.com/
This episode is brought to you by Rooted Planning Group. Rooted Planning Group is a fee-only financial planning firm that specializes in working with women in their 30s and 40s who want to take control of their finances and plan for the future. Whether you're just starting out or you're looking to make a big change, Rooted Planning Group can help. Visit www.rootedpg.com to learn more.
It's tax season Wine and Dime listeners, and we are going to go over the 1040 forms in this 5 part series. Part 1 will be all about the front side of the 1040 tax return.
We'll also be headed back to Willamette Valley, Oregon and the Pudding River Wine Cellars for the Wine portion of this episode.
The 2016 WALLA WALLA VALLEY MALBEC is filled with a heady aromas of mocha, roasted coffee beans, boysenberry and black plum present a rich palate with black cherry, sweet baking spices like vanilla, clove and cinnamon and structured yet balanced tannins.
See the links below for more information about this fantastic Wine and Winery
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Pudding River Wine Cellars 2016 Walla Walla Valley Malbec
- Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom CrushWe are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range.We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Thinking about adding disability insurance or "Risk Transfer" to your financial plan? Listen to this episode of the Wine and Dime Podcast by Amy Irvine as she shares what she learned at a recent conference sponsored by LLIS. She will also share her wine pick for this month as she starts her "around the world" with her tastebuds wine tour this year.
Prejean Winery, https://prejeanwinery.com/ - Riesling or Gold Finch Riesling - check out the story of this wine, talk about a life event!
WHAT IS LLIS YOU MAY BE ASKING?AS AN EXTENSION OF FEE-ONLY FINANCIAL ADVISOR FIRMS, WE WORK WITH ADVISORS AND THEIR CLIENTS TO FIND THE RIGHT SOLUTIONS FOR:* Term Life Insurance * Permanent Life Insurance * Universal Life; Individual and Survivorship * Variable Universal Life (VUL) * Guaranteed Universal Life (GUL); Individual and Survivorship * Disability Insurance * Critical Care Insurance * Long Term Care Insurance * Annuities * Immediate * Fixed * Variable * Hybrid Life/LTCi * Hybrid Annuity/LTCi * Life Settlements
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Thinking about adding life insurance to your financial plan? Listen to this episode of the Wine and Dime Podcast by Amy Irvine as she shares what she learned at a recent conference sponsored by LLIS. She will also share her wine pick for this month as she starts her "around the world" with her tastebuds wine tour this year.
Prejean Winery, https://prejeanwinery.com/ - 2016 Bosun's Mate - check out the story of this wine, talk about a life event!
What is LLIS you may be asking?
As an extension of fee-only financial advisor firms, we work with advisors and their clients to find the right solutions for:* Term Life Insurance * Permanent Life Insurance * Universal Life; Individual and Survivorship * Variable Universal Life (VUL) * Guaranteed Universal Life (GUL); Individual and Survivorship * Disability Insurance * Critical Care Insurance * Long Term Care Insurance * Annuities * Immediate * Fixed * Variable * Hybrid Life/LTCi * Hybrid Annuity/LTCi * Life Settlements
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
This week's episode of Wine and Dime is a crossover episode from our YouTube channel. In this episode we discuss the Market and Economic Reports so far this year. You can listen to the episode here or check the show notes below for the links to the 2 video's that go along with it.
You will learn what the GDP and labor numbers are telling us.
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- 10-Minute Market and Economic Report (extended version) - February 6, 2023
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
We are excited to welcome Kimberlee Davis the Fiscal Feminist to this weeks episode of Wine and Dime. Kimberlee Davis is a Partner and Managing Director in The Bahnsen Group, a wealth management practice with offices in Newport Beach, California and New York City. She is also a Certified Divorce Financial Analyst. Kimberlee is a professional woman, a mother and a daughter of elderly parents. Her career began as a Wall Street corporate lawyer. She then transitioned into investment banking, corporate finance, and finally wealth management. She has also been a stay-at-home mom when her three daughters were young. Her experiences have covered the gamut of the diverse roles that women fulfill throughout their often very complex lives.
What you will learn:
- Kim just recently released a new book called, ‘The Fiscal Feminist - A Financial Wake-Up Call for Women.” Join us as we explore why Kim wrote this book and her journey to discovery. As you will hear, Kim wants “women to give themselves permission to be financially strategic, preventative, and knowledgeable, while still enjoying all the things that money can’tbuy.”
- Although Kim is a wealth manager now, that was not her first (or even second) career, listen as Kim shares her story of going from an attorney, to a stay at home mom (in another country), to wealth manager and author and podcaster. Everyone has a journey; we never know what part of the journey someone is on and that is why it is so important to be kinder than necessary for everyone you meet is fighting some kind of battle in their journey.
- The Fiscal Feminist (@thefiscalfeminist) • Instagram photos and videos
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Fiscal Feminist
- Podcast – Fiscal Feminist
- The Book – The Fiscal Feminist - A Financial Wake-Up Call for Women
- Hitching Post Wine - ABOUT HITCHING POST WINESLeading the Hitching Post Wines team are the creators and two long-time friends, Gray Hartley and Frank Ostini, who have been making wines in Santa Barbara County, California since 1979.Long before Hollywood discovered the winemaking landmark and its excellent wines, Gray Hartley, a former Alaskan salmon fisherman and Frank Ostini, chef and owner of the famed Hitching Post 2 Restaurant in Buellton, were brought together by their love of wine and winemaking. Over the years their backyard hobby has turned into a highly acclaimed winemaking enterprise.In 1981 they discovered the wonders of Santa Barbara Pinot Noir; since then Pinot has been their primary focus. Their flagship wine is the Hitching Post Highliner. The “Highliner” is the best fishermen in the fleet, and this name honors the great men of the Alaskan Salmon Fishery alongside whom Gray Hartley worked for 28 years. A special wine, Highliner is meant to be the “best of their fleet” of Pinot Noirs. Along with ten selections of Pinot Noir, Hitching Post produces a dry Rosé called Pinks, a Syrah, and a Merlot-based red named Gen Red. Then came Sideways in 2004, the Academy Award® winning film set in Santa Barbara wine country, prominently featuring The Hitching Post 2 and Hitching Post Wines. Since exposure in the movie, Hitching Post wines have gained in popularity. Currently, the winery has 12,000 barrels and produces about 17,000 cases a year.Hartley and Ostini strive to create flavorful handcrafted wines that possess poise and balance, putting a slice of Santa Barbara in each glass, and a piece of their soul in every bottle of Hitching Post.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome to Part 3 of the Wine and Dime podcast about the SECURE Act 2.0. In this episode we will be discussing provisions that go into effect in 2024. There's a big one regarding Roth Provisions, so be sure to tune in and learn more!
What you will learn:
- Roth Provisions and eligibility requirements
- IRA catch-up will be indexed for inflation
- Hardship Distribution
- Emergency Savings Account
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Rooted Planning Group BLOG about Secure Act 2.0
- SECURE Act 2.0
- Pudding River Wine Cellars 2015 Willamette Valley Chardonnay - Toasty, oaky and tropical on the palate laden with pineapple, passion fruit and guava. Rich mid palate but maintains a bright citrus finish.
- Pudding River Wine Cellars 2015 Walla Walla Valley Syrah Dessert (Port Style) - Leads with complex aromas of roasted coffee bean, mocha, and black pepper that meld seamlessly into flavors of dark chocolate, macerated blackberry and black cherry cordial on the palate with a concentrated earthy, rich finish.
- Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom CrushWe are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range.We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome to Part 2 of the Wine and Dime episode about the SECURE Act 2.0. In this episode we'll be covering some the new provisions that are effective for 2023. Buckle up, because there is a lot of information in this one!
What you will learn:
- Roth SEP and Roth Simple IRA's for small businesses
- Roth IRA employer contributions
- Moving 529 money to a Roth IRA for beneficiary
- Hardship Distributions
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Rooted Planning Group BLOG about Secure Act 2.0
- SECURE Act 2.0
- Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom CrushWe are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range.We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. These next three episodes will be focusing on the SECURE Act 2.0.
On December 23, 2022, Congress passed the Consolidated Appropriations Act of 2023, which included the SECURE Act 2.0, which was part of the 2023 Omnibus Spending Bill. It made for good reading over the past week. For those inquiring minds that want to know what “SECURE” stands for, it is “Setting Every Community Up for Retirement Enhancement.”
This is going to focus only on the SECURE Act provisions, but there is soooooo much more! Here is a link to the actual bill if you have trouble sleeping some night: BILLS-117hr2617enr.pdf (congress.gov)
In part 1, you will learn about:
- What's an RMD
- What are the new rules for RMD's
- How those changes may affect you or someone you know
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Rooted Planning Group BLOG about Secure Act 2.0
- SECURE Act 2.0
- Pudding River Wine Cellars Boutique-styled wines from Oregon - Boutique Winery, Vineyard, Tasting Room, Custom CrushWe are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range.We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Happy New Year Wine and Dime listeners! This first episode of 2023 is a special one. We welcome to the show Lisa Zawrotny. Lisa found herself sandwiched between "raising parents" and raising kids. She got lost in who she was and used her process to find herself and declutter her life to start a new path, a new business.
Check out Lisa's Podcast "The Positively Living podcast"
Lisa shares the following tips:
- Learn who you are
- Learn how you work best
- Learn how to lean into your strengths
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- About Positively Lisa Zawrotny - I’m the founder of Positively Productive Systems and the host of the Positively Living Podcast. After experiencing a deeply overwhelming time in my life juggling multiple roles as a caregiver, wife, mother, and business owner, I am now a Productivity + Accountability Coach certified in time and stress management helping other multi-passionate entrepreneurs who struggle to balance business and family.Through my podcast, online programs, and coaching, I show you how to boost productivity and avoid burnout while making it feel simple and sustainable.When I’m not sharing about the wonders of simplicity, self-care, and systems, I’m playing music (lately it’s self-taught guitar or I’m cranking up classic rock), drinking coffee (iced or hot), and watching movies with my husband and kiddos…or reading while trapped under a cat.Your path to productivity requires productivity tools to match you, your personality, and your passions.
- Positively Productive Systems Links
- Positively Productive Podcast - The Positively Living podcast is a self-improvement podcast with specially curated content to support multi-passionate creatives and entrepreneurs. If you want to prioritize your passions and discover ways to achieve more while doing less, then join host Lisa and her guests as they cover topics relating to productivity, self-awareness and development, entrepreneurship, habits and systems, organizing, and more. You’ll find actionable advice, wrapped in humor and hope, dedicated to helping you do less, live more, and breathe easier.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome to part 2 of the last episode of Wine and Dime for 2022. It's been a great year and I thought it would be great to invite team on this episode to share some year ending financial insights. We want to thank you all for subscribing and being part of the show.
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Whiskey Hill Winery & Postlewait's Vineyards - We’re a micro, all family run, Estate Winery & Vineyard specializing in Pinot Noir, Pinot Noir Rosé & White Pinot Noir. We’re located in the heart of the World-Famous Willamette Valley AVA on some of the world’s most fertile farm ground. We make both the Postlewait’s & Whiskey Hill labels. Postlewait’s is the name of the Wedding Venue which was established in 2001 & Whiskey Hill Winery is named after the area we’re located in, Whiskey Hill.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome to part 1 of the last episode of Wine and Dime for 2022. It's been a great year and I thought it would be great to invite team on this episode to share some year ending financial insights. We want to thank you all for subscribing and being part of the show.
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Whiskey Hill Winery & Postlewait's Vineyards - We’re a micro, all family run, Estate Winery & Vineyard specializing in Pinot Noir, Pinot Noir Rosé & White Pinot Noir. We’re located in the heart of the World-Famous Willamette Valley AVA on some of the world’s most fertile farm ground. We make both the Postlewait’s & Whiskey Hill labels. Postlewait’s is the name of the Wedding Venue which was established in 2001 & Whiskey Hill Winery is named after the area we’re located in, Whiskey Hill.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
On this episode of Wine and Dime, we wrap up our monthly topic about estate planning. Kerrie Beene joins me this week as we talk about what to do when you have a blended family. Tune in to learn more!
What you'll learn:
- What to do when you have a blended family
- Talking to your Teenage Kids
- Things to consider when naming your Executor/ix and Trustee
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Ann Arceo joins us on this episode of Wine and Dime! She is here to talk about how to support your aging parents while living afar. Ann shares some insights into the situation, along with plans, and things to think about. Tune in to learn more!
Things you will learn:
- Helping them make connections
- Important Estate Planning Documents
- Building an Emergency Plan for You
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. In this episode, Kate Welker is here again to talk about November's topic of Estate Planning! This time, centering around parents with middle school kids. Kate shares her experiences and insights into some of the things you need to be aware of as your children start to get older.
What you'll learn:
- Planning for yourself during those years
- Knowing your state laws around privacy policies
- Documents needed by your 18 year old
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
On this episode of Wine and Dime, Becky Eason joins us once again. This time to talk about estate planning for new parents. As a soon to be new parent, Becky shares some insights into the topic and some things she learned along the way.
In this episode you will learn:
- Documents to put in place and keep family involved
- "What-if" talks you should have
- Finding a safe place to plan
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
- Airlie Winery - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners! This week we welcome back Kerrie Beene. Kerrie is here to share with us some things to be thinking about "If this is your first job". What you will learn: What benefits should you be looking for? What should I be thinking about in the event of a recession How to prepare for holiday spending Ideas around protecting your online presence
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://puddingriver.com/our_wines/2015-w-v-chardonnay/ (Pudding River Wine Cellars 2015 Willamette Valley Chardonnay) - Toasty, oaky and tropical on the palate laden with pineapple, passion fruit and guava. Rich mid palate but maintains a bright citrus finish. https://puddingriver.com/our_wines/2015-w-v-syrah-dessert-port-style/ (Pudding River Wine Cellars 2015 Walla Walla Valley Syrah Dessert (Port Style)) - Leads with complex aromas of roasted coffee bean, mocha, and black pepper that meld seamlessly into flavors of dark chocolate, macerated blackberry and black cherry cordial on the palate with a concentrated earthy, rich finish. https://puddingriver.com/ (Pudding River Wine Cellars Boutique-styled wines from Oregon) - Boutique Winery, Vineyard, Tasting Room, Custom Crush We are located in the heart of Oregon’s idyllic east Willamette Valley at the foothills of the Cascade Mountains and about an hour’s drive south from Portland. Once a poultry farm, our property sits along the banks of the Pudding River, a 62-mile tributary in the valley fed from the Cascade Range. We planted our vines in 2004 and yielded our first commercial vintage in 2006. Our dedication to producing world-class wine in the classic Oregon style while using sustainable methods, has been recognized by the Wine Spectator and Wine Enthusiast with a growing accumulation of accolades from wine and food competitions in the region. Recently, our wines scored high marks at the acclaimed San Francisco International Wine Competition.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Open enrollment month continues this week on Wine and Dime. Ann Arceo is back with us to discuss some benefits that you might be missing out on! Be sure to tune in to find out if there are any benefits that you might have forgotten about. What you'll learn: Review your list of benefits Don’t set and forget Think about what next year might bring you and adjust your benefits
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.airliewinery.com/ (Airlie Winery) - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
It wouldn't be October around here if we weren't talking about Open Enrollment. That's why Becky Eason is back with us on this episode of Wine and Dime! She's here to help you make sure that you aren't leaving any benefits "on the table"! Tune in to learn more What you'll learn: Do you need more Where to Go Analyze if your benefits are enough
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.airliewinery.com/ (Airlie Winery) - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
We welcome Kate Welker back on this episode of Wine and Dime. It's October, and you know what that means. Time to be thinking about Open Enrollment! And Kate is here to walk us through some things to be thinking about to help you plan for your upcoming open enrollment planning! What you'll learn: What might be available during open enrollment Analyzing if your benefits are enough Do you need more - where to go
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.airliewinery.com/ (Airlie Winery) - Airlie is a destination winery, not a ticket to punch or a box to check. You’ve probably heard Mary Olson, the owner says: “We’re not a stop along the way. Most folks come to sip and stay.” Customers can’t resist lingering in the family-style atmosphere that Mary has perfected over the years. The relaxed environment, the beautiful scenery, and the wine of course keep our customers at the winery long after the tasting is done. Airlie has something for everyone – an intimate tasting room, patio, and deck with expansive views of the beautiful Dunn Forest vineyard and the coast range. We also have a picnic area and pavilion next to the tranquil pond. It’s not unusual for a family to pack a picnic, open a bottle of wine and let the kids and dogs frolic in the vineyard or catch frogs in the pond. So pack up the car and spend some time with us. You’ll be glad you did!
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this episode of Wine and Dime! Ann Arceo is back with us to discuss Life Insurance. She shares some of her insights and expertise into this topic that you'll want to be sure not to miss! In this episode you will learn: Types of Life Insurance How much Life Insurance Tips to Avoid Common Mistakes
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.nerdwallet.com/article/insurance/how-much-life-insurance-do-i-need (How Much Life Insurance Do I Need? - NerdWallet) https://www.hansonwine.com/ (Hanson Vineyards) - Small, family-owned winery... You'll meet Jason or Clark behind the bar in the tasting room. We grow the grapes, make the wine... family does it all at Hanson Vineyards. Marlene is around somewhere... most likely in the flower gardens or picking fruit or vegetables in season. Stop by the tasting room sometime!
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Kate Welker is back with us on this episode of Wine and Dime with Amy Irvine. Kate draws on her experience working with her father to share some tips about insurance coverage with us. Tune in and listen to a great conversation that will inform and educate you about your insurance questions. What you'll learn: What types of coverage you should have in your insurance policy Dangers of DIYing water, backup, and soot repairs Making sure your liability coverage covers your risk
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.hansonwine.com/ (Hanson Vineyards) - Small, family-owned winery... You'll meet Jason or Clark behind the bar in the tasting room. We grow the grapes, make the wine... family does it all at Hanson Vineyards. Marlene is around somewhere... most likely in the flower gardens or picking fruit or vegetables in season. Stop by the tasting room sometime!
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Mentioned in this episode: Hanson Vineyards Hanson Vineyards https://www.hansonwine.com/ 34948 S Barlow Road Woodburn, Oregon 97071 (971)338-9760 info@hansonvineyards.com
Becky Eason is back with us on this week's edition of Wine and Dime. She's here to talk about insurance policies and what you should consider while reviewing them. While this might not be the most captivating topic, it is essential to your financial plan. Becky shares her expertise and some insights on what to be looking for. What you will learn What are the different coverage areas of auto insurance What are some ways to save Tips to analyze coverage
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.hansonwine.com/ (Hanson Vineyards) - Small, family-owned winery... You'll meet Jason or Clark behind the bar in the tasting room. We grow the grapes, make the wine... family does it all at Hanson Vineyards. Marlene is around somewhere... most likely in the flower gardens or picking fruit or vegetables in season. Stop by the tasting room sometime! https://static1.squarespace.com/static/5884eaf446c3c44ae817722a/t/63209bd92792d74dc3adbd2f/1663081433706/What-Issues-Should-I-Consider-When-Reviewing-My-Health-And-Life-Insurance-Policies-2022.pdf (What Issues Should I Consider when Reviewing my Property and Casualty Insurance Policies)
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Mentioned in this episode: Hanson Vineyards Hanson Vineyards https://www.hansonwine.com/ 34948 S Barlow Road Woodburn, Oregon 97071 (971)338-9760 info@hansonvineyards.com
Ann Arceo joins us on this episode of Wine and Dime! She is here to talk about tax credit, raising kids, and helping parents. What you'll learn: HSA, FSA, Dependent FSA, Limited Purpose FSA's defined Work Opportunities - if one of the family members wants to stay home with the family Caregiving for Parents: See below for What Issues to Consider for Aging Parents.
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Mentioned in this episode: Hanson Vineyards Hanson Vineyards https://www.hansonwine.com/ 34948 S Barlow Road Woodburn, Oregon 97071 (971)338-9760 info@hansonvineyards.com
Grandparents helping out with college costs through 529 plans and other savings accounts? That's what we are talking about this week on Wine and Dime. Becky Eason is back with us this week to help us wade through this topic. In this episode you will learn: What are the various savings vehicles for grandparents to save in Pros and Cons of different savings types Suggestions on how to talk to your grandkids about money
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime we will be focusing on back-to-school expenses for High School and College Students. Our very own Kerrie Beene has students in those age groups, so I invited her back to talk to us about what she's learned over the years! What you'll learn: Ideas on how to plan for the extra costs of participating in your kids' sporting events Preparing for college dorm expenses Talking to your high school and college kids about money
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Kate Welker joins us in this episode of Wine and Dime. She shares with us some back-to-school supply buying tips that every parent can appreciate. Tune in to find out some of these budgeting and money saving tips! What you will learn: How to budget for school supplies How to budget for back-to-school clothes Put a plan together to deal with the back-to-school flurry of fall activities Planning a mental health moment for parents How to incorporate financial lessons and teaching opportunities for your children
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Jeff Dvorak joins me on this week's episode of Wine and Dime. Jeff shares with us his journey to being a financial planner. From his upbringing to his college days to his career, Jeff offers insights about his life as a financial planner and what drives him to help his clients. Jeff is the owner of 4D Financial Advisors who is an independent, fee-only financial advisory firm for female professional leaders. What will you learn: Jeff's journey to working focusing his work on female financial planners How listening can change your perspective
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://4dfinancialadvisors.com/ (4D Financial Advisors) - JEFF DVORAK, CFP®, CPWA®
Throughout my life, I have witnessed powerful, selfless women navigate the stressors of their life effortlessly. Standing on the sidelines, I can’t help but admire the sacrifices they have made to advance their career, raise a family and maintain a semblance of a social life, doing it all with finesse. With my guidance, and through my passion for helping others, I can provide you with a means of finding financial freedom and life balance.
ABOUT 4D
AS A PROFESSIONAL WOMAN AND LEADER, YOU REGULARLY PRIORITIZE, DELEGATE, AND MANAGE BOTH AT WORK AND AT HOME. YOU KNOW HOW IMPORTANT IT IS TO HAVE A RELIABLE TEAM IN PLACE TO HELP YOU RUN THINGS MORE SMOOTHLY.
A TRUSTED FINANCIAL PARTNER IS ONE PIECE OF THAT TEAM, ESPECIALLY ONE WHO KNOWS HOW TO GROW WITH YOU AND YOUR CAREER. THAT'S WHERE 4D COMES IN. WE BRING YEARS OF EXPERIENCE AND PERSPECTIVE TO OUR RELATIONSHIP, AS BOTH FINANCIAL ADVISORS AND PEERS WHO ALSO BALANCE THE WORK/LIFE JOURNEY. THAT'S WHY WE'RE CONFIDENT WE CAN HELP YOU DESIGN THE LIFE YOU WANT TO LIVE.
WHO WE ARE: We are an independent, fee-only financial advisory firm for female professional leaders.
WHAT WE DO: We make the complex, simple. We put everything into terms you understand and then give you advice, allowing you to make the best choices with all the information you need.
WHAT WE STAND FOR: The power of education, the importance of a clear perspective, and the impact of intentional choice.
WHY WE ARE DIFFERENT: We truly care about you, not just your finances. We're real people! We have families and strive to help our communities.
WHY THAT MATTERS: Owning your decisions today will impact your tomorrow--and will give you confidence in achieving the future you imagine. https://www.kunde.com/ (Kunde Family Winery - Sonoma Estate Winery) https://www.jacuzziwines.com/product/20-dolcetto (Jacuzzi Wines - Dolcetto)
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime we wrap up Financial Independence month with our very own Ann Arceo. Ann is here to share her expertise and some things to consider on your path to financial independence. What you will learn: Thinking about the care you want Working with a planner to determine the type of “plan” that's best for you Impact of the loved ones
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.oregonwine.org/ (Oregon Wine | Oregon Wine Board) - A diverse region ripe for adventure. Oregon wears its wild, audacious heart on its sleeve. From coastal mountains to valley slopes to river gorges, once you’re here, there’s no going back without part of its wonder alive inside you.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
This week on Wine and Dime, Becky Eason and I talk about the FIRE Movement. What is the FIRE Movement you may ask? FIRE stands for "Financial Independence, Retire Early" In this episode you will learn: FIRE Movement (when do you have enough) What is the FIRE movement Ways to plan to join the FIRE movement Places to do your own research
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://winefolly.com/grapes/pinot-noir/ (The Comprehensive Guide to Pinot Noir | Wine Folly) https://en.wikipedia.org/wiki/FIRE_movement (FIRE movement - Wikipedia) - The FIRE (Financial Independence, Retire Early) movement is a lifestyle movement with the goal of gaining financial independence and retiring early. The model became particularly popular among millennials in the 2010s, gaining traction through online communities via information shared in blogs, podcasts, and online discussion forums.
Those seeking to attain FIRE intentionally maximize their savings rate by finding ways to increase income and/or decrease expenses, along with aggressive investments that again increases their wealth and/or income. The objective is to accumulate assets until the resulting passive income provides enough money for living expenses throughout one's retirement years. Many proponents of the FIRE movement suggest the 4% rule as a rough withdrawal guideline, thus setting a goal of at least 25 times one's estimated annual living expenses. Upon reaching financial independence, paid work becomes optional, allowing for retirement from traditional work decades earlier than the standard retirement age.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
On this episode of Wine and Dime we welcome back to the pod Kerrie Beene! Kerrie is here to share some insights on how to raise independent children. What you will Learn this episode Raising Independent Children - How to avoid failure to Launch How to start early How Kerrie helped her daughter learn to budget How to work with different money personalities
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.highnoonspirits.com/ (High Noon | Sun Sips) - HOW IS HIGH NOON DIFFERENT FROM OTHER HARD SELTZERS? HARD SELTZERS CAN BE MADE FROM JUST ABOUT ANY MIXTURE OF SODA WATER AND ALCOHOL. OTHER BRANDS USE MALT LIQUORS AND SUGAR TO FLAVOR THEIR DRINKS, WHILE HIGH NOON USES REAL VODKA AND REAL FRUIT JUICE FOR 100 CALORIES OF EASY-DRINKING, TAKE-ANYWHERE DELICIOUSNESS.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Kate Welker is back with us on this episode of Wine and Dime. This week we are talking about Financial Independence. Kate is here to break it down for us and ask the question, "What does financial independence mean to you?" In this episode you will learn: What is Financial Independence Explore - What does financial independence mean to you? Why would you seek financial guidance from a financial planner to help you seek your financial independence? Be open to finding alternative strategies.
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://stinnocentwine.com/ (St. Innocent Winery | Willamette Valley Oregon | Mark Vlossak, vintner) - St. Innocent began as an idea conceived in a moment of passion and inspiration in 1983. Mark Vlossak spent the next five years studying, taking classes, and apprenticing with Oregon wine pioneer, Fred Arterberry. In 1988, St. Innocent Winery was founded. Our goal is to produce wines that respect the quality and tradition of the Old World in one of the newest and most exciting wine growing regions on the planet: Oregon's Willamette Valley.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, TJ Meehan joins us to talk about cybersecurity and offer a few recommendations and best practices that can help protect you online! What is cybersecurity? Cybersecurity is the practice of protecting critical systems and sensitive information from digital attacks. Also known as information technology (IT) security, cybersecurity measures are designed to combat threats against networked systems and applications, whether those threats originate from inside or outside of an organization.Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Wine Selection of the Week https://stinnocentwine.com/about (St Innocent Winery) St. Innocent began as an idea conceived in a moment of passion and inspiration in 1983. Mark Vlossak spent the next five years studying, taking classes, and apprenticing with Oregon wine pioneer, Fred Arterberry. In 1988, St. Innocent Winery was founded. Our goal is to produce wines that respect the quality and tradition of the Old World in one of the newest and most exciting wine growing regions on the planet: Oregon's Willamette Valley. Show Note Links https://www.techradar.com/best/password-manager (The Best Password Managers for 2022 | TechRadar) https://www.ibm.com/topics/cybersecurity (What is Cybersecurity? | IBM) https://www.webfx.com/martech/tech/apple-pay-vs-google-pay/#:~:text=Apple%20and%20Google%20Pay%20are,your%20card%2C%20the%20data%20changes. (Is Google and Apple Pay Safe?) https://www.online-tech-tips.com/software-reviews/ublock-origin-the-ultimate-review-and-guide/#:~:text=Is%20uBlock%20Origin%20Worth%20Using,intent%20to%20ever%20monetize%20uBO. (uBlock Origin: The Ultimate Review and Guide) https://www.security.org/vpn/best/ (Best VPN Service of 2022 | Security.org) https://us.norton.com/internetsecurity-privacy-what-is-a-vpn.html (What is a VPN? | Virtual Private Networks Explained | Norton) https://www.bankrate.com/banking/best-security-practices-for-mobile-banking/#:~:text=%E2%80%9CIf%20you%20download%20the%20mobile,policy%20at%20American%20Bankers%20Association. (Worried About Mobile Banking Security? Follow These Best Practices | Bankrate)
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Retirement month continues here at Wine and Dime. Ann Arceo is back with us to talk about the impacts that your retirement savings have during a down market, like we are seeing now. What you will learn Impact on younger savers Impact on those wanting to retire soon Impact on those already retired
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.elementwinery.com/2016-cant-stop-wont-stop (2016 Can't Stop Won't Stop — Element Winery) - Christopher’s Notes: The Can’t Stop / Won’t Stop is a blend of Cabernet Franc, Pinot Noir, Syrah, Gamay, Merlot and a touch of Blaufrankisch. It’s meant to be bright, fresh, and fruit forward for youthful consumption. https://www.elementwinery.com/ (Element Winery) - A new vision for the Finger Lakes. Element Winery was founded to explore the extreme climate terroirs of the Finger Lakes region, to produce wines which express their origins without preconceived notions. We make delicate wines—low alcohol, higher acid, and balanced with a focus on mineral and floral aromas.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Kerrie is back with us in this Episode of Wine and Dime. We are talking about planning for retirement while you are in your forties. In this episode you will learn: How to map out conflicting goals Types of savings vehicles How to maximize the next 20 years
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://quincyexchange.com/ (The Quincy Exchange | Dining in Corning, NY) - Located in the heart of Corning, NY’s Gaffer District, The Quincy Exchange brings a vibrant and socially distanced dining experience to this historic neighborhood.
Join us at the marble topped bar, in the socially distanced dining room, or in the bright, modern Garden Room, and experience, fresh, seasonal dishes complimented by a thoughtful bar program and curated wine list with carefully made selections from around the world. Best described as an American Bistro, The Quincy Exchange offers craft cocktails, exciting wines, and approachable beers alongside our Brunch and Dinner services.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime we continue our topic of the month, Retirement. Becky Eason is back on the show to talk about some competing prioritites. Saving for Retirement, building an emergency fund, and paying off debt In this episode you will learn: How to set priorities with small step Where to prioritize saving and how much to save How to prioritize debt repayment https://www.elementwinery.com/ (Element Winery)
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.elementwinery.com/ (Element Winery) - A new vision for the Finger Lakes. Element Winery was founded to explore the extreme climate terroirs of the Finger Lakes region, to produce wines which express their origins without preconceived notions. We make delicate wines—low alcohol, higher acid, and balanced with a focus on mineral and floral aromas.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Wine and Dime welcomes back Kate Welker to the show. Kate is here to talk about retirement, and "Flipping the Switch" for retirement. In this episode, you will learn Steps to Prepare for Retirement Ideas on how to get comfortable with changing the frame around “income” stream Bucketing Your Assets Book Recommendation - https://www.amazon.com/Flipping-Switch-Happiness-Financial-Security/dp/1620236869 (Flipping a Switch, Barbara O'Neill )
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.amazon.com/Flipping-Switch-Happiness-Financial-Security/dp/1620236869 (Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life) - Leaving full-time employment to enter retirement often requires a 180-degree change in mindset and behavior from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require flipping a switch. Some changes happen suddenly like an on/off switch, while others happen over time like a dimmer switch. Some switches are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well.
Flipping a Switch discusses 35 financial, lifestyle, and social transitions you'll encounter upon entering retirement, including: -Full-time work to new pastimes -Saving money to spending money -Receiving a paycheck to creating a paycheck -Funding retirement savings plans to taking required minimum distribution withdrawals -Accumulating possessions to downsizing
Everyone has unique switches to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a How to Flip This Switch section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner© Dr. Barbara O'Neill will help you develop a plan to become your best future self.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Welcomes back Ann Arceo. Ann is here to talk about that first job after graduating, and how to navigate the benifits, savings, and your work-life balance. Things you'll learn in this episode Making a plan Dig into Benefit options Diversify your Savings Diversify your time https://swedishhill.com/shop-online/reds/ (Red Wines | Swedish Hill Winery) - Bourbon Barrel Red and 2016 Optimus
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://treleavenwines.com/about/ (Treleaven Wines) - Family Owned and Operated, Since 1984 Separator Image Our story begins with our founders Pete and Tacie Saltonstall. They wanted to start a winery inspired by the Burgundian ideal of a small family domaine that handles all the growing and producing of its own wines. A soup to nuts approach that lets us consider and control each part and process that our vines, grapes, and wines go through. When they started planting the vineyard their kids rode along in the tractor, or sat in a carrier placed in the shade to oversee the proceedings.
Now those same children have grown up and added their own pages to the Treleaven story. In addition to our meticulous approach to farming and winemaking, Lev and Hattie have reimagined what a winery experience is like for our guests. In the same way that the Saltonstalls grew up as a family in the winery, scrambling around barrels and hiding under tanks, Treleaven is dedicated to making our guests feel at ease; not simply welcomed but welcomed home. Bring to us your laughter, and children, and memories, and allow us to become the backdrop of your life. Be it in the Hangtime outside listening to a band, in our traditional tasting room learning more about the wines, or in the Oak Lounge having a bite to eat and a local craft beer, come and join the family.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime with Amy Irvine. Kerrie Beene is back to share with us some insights on saving for college for your early teenagers. What you will learn this episode How to pay for college Building Awareness on College Costs Building Savings into the Budget https://www.thirstyowl.com/?msclkid=3aa62b27bcc511ec899a20a855a74dc5 (Home | Thirsty Owl Wine Company) - Malbec
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.thirstyowl.com/2016-malbec (Malbec - Thirsty Owl Wine Company) - Malbec - An exceptionally rare find in the Finger Lakes. Estate grown fruit with hints of clove and nutmeg. Barrel aged for 15 months.
Malbec wine is known for its deep purple color and full body. Malbec grapes are small and dark in color with very thick skins, producing a wine that has rich fruity flavors and medium tannin levels. Malbec wines are often higher in alcohol than Merlot or Pinot Noir. Some bottles contain up to 15% ABV, so watch out for this boozy bottle if you’re trying to cut down on your alcohol intake. Malbec grapes are fussy and can be difficult to grow, so they’re grown in much smaller quantities than other more popular red wines. Malbec grapes do well in sunny climates that also have cold nights. High elevation spots are perfect, like the Mendoza wine region nestled in the foothills of the Andes in Argentina. In Bordeaux, France, Malbec is a popular blending grape. It’s often blended with Cabernet Sauvignon, Cabernet Franc, and Gamay to make Bordeaux blends.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Becky Eason is back with us for this edition of Wine and Dime. We're here to talk about student loan, with some tips to think about while paying them off. Tip #1 - Know your estimated payment! Things you'll learn: Types of loans - subsidized, unsubsidized, private, PLUS, Grad PLUS Type of Repayment Plans How Interest is calculated and capitalized FPPathfinders - Student Loan Road Map https://treleavenwines.com/?msclkid=ae513fcabcc211ecbcbf430c065dc6ae (Home - Treleaven Wines) - Cab Franc
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Wine Recommendation of the Week: https://store.treleavenwines.com/product/2020-Cabernet-Franc?pageID=8CFE3E83-ECCB-60E6-5F41-E9352412A09A&sortBy=DisplayOrder&maxRows=30& (Treleaven Wines - 2020 Cabernet Franc) - Composed of 75% Cabernet Franc, 23% Cabernet Sauvignon, and 2% Merlot, this vintage showcases a light fruit and cherry character, an earthy savory note, and a lingering finish.
Winemakers Notes: Aged for 9 months to allow the wine to knit itself together at its own pace. Fermented at low temperatures to promote fruit flavors and delicate extraction while the caps were pumped over regularly.
Food Pairing Notes: Steak au poivre, roasted pork loin with potatoes and herbs, baked brie with fresh blackberries, and roast chicken with herbes de provence. https://treleavenwines.com/ (Treleaven Wines) - Family Owned and Operated, Since 1984
Our story begins with our founders Pete and Tacie Saltonstall. They wanted to start a winery inspired by the Burgundian ideal of a small family domaine that handles all the growing and producing of its own wines. A soup to nuts approach that lets us consider and control each part and process that our vines, grapes, and wines go through. When they started planting the vineyard their kids rode along in the tractor, or sat in a carrier placed in the shade to oversee the proceedings.
Now those same children have grown up and added their own pages to the Treleaven story. In addition to our meticulous approach to farming and winemaking, Lev and Hattie have reimagined what a winery experience is like for our guests. In the same way that the Saltonstalls grew up as a family in the winery, scrambling around barrels and hiding under tanks, Treleaven is dedicated to making our guests feel at ease; not simply welcomed but welcomed home. Bring to us your laughter, and children, and memories, and allow us to become the backdrop of your life. Be it in the Hangtime outside listening to a band, in our traditional tasting room learning more about the wines, or in the Oak Lounge having a bite to eat and a local craft beer, come and join the family.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Kate Welker is back with us this week to talk about some FAFSA changes. This is definitely an episode you'll want to use or share with those students or parents that will be filling out a FAFSA this year. What you will learn this episode Origination fees for student loans Interest rates on Student Loans The Changes to the FAFSA you should know
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.bullyhillvineyards.com/index.cfm?method=storeproducts.showdrilldown&isMarketingURL=1&productid=02410DC0-CE97-4CE5-A502-42AB25A2C7F7 (Bully Hill Space Shuttle Red) - A classic dry red with hints of ripe cherry, cranberry, and underscored flavors of fruit and oak.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. In this episode we welcome back to the show Ann Arceo. She is here to continue this month's theme of getting organized. This week's topic is about saving for college when you have young children. What you will learn in this episode: Ideas on how to make a plan early for education costs Ideas on how to start saving small If you are in a high deductible plan, fully fund your HSA
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! http://www.fingerlakescoffee.com/locations.cfm (Finger Lakes Coffee Roasters) - Welcome to Finger Lakes Coffee!
In 1996, Finger Lakes Coffee Roasters, Inc. first opened its doors on the banks of the Erie Canal in Historic Bushnell's Basin, New York. Bob Cowdery, the Roast master, has roasted coffee for many years in various locations. With this experience and the ability to roast in small batches, he and his partner, Larry Werges, are able to transform green coffee beans imported from around the world into rich aromatic coffees. Bob and Larry's passion for the perfect cup can be experienced in all of FLCR's blends, single origins, and flavored coffees!
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
What is Wine and Dime all about you may ask? Here is a short clip on what inspired the podcast and what you will get out of each episode! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Wine and Dime is here to help you get organized for buying a car. Kerrie Beene is back on the show to walk us through how she gets organized for buying a car. She walks us through a recent purchase she made for her daughter. We think there are some great tips in here to help everyone who is looking to make a car purchase. What you will learn: Getting organized to buy a vehicle Searching for the right vehicle Plot out the comparison - purpose, price, and purchase
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://songhillwinery.com/ (Song Hill Winery) - Song Hill Farm was the home of Song Hill Thoroughbreds and H. James Bond Racing Stable for 25 years. In 2005 the horses moved to Mechanicville, NY and in 2009 we began converting some of the pastureland into vineyard. This year we planted 100 more vines and we plan to add more in the years to come. We received our Farm Winery license in the summer of 2013 and that fall marked our first full harvest.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, we welcome back the episode Becky Eason. She's here to share tips to get your financial documents organized and even a little vacation planning. What you'll Learn: Tips to get yourself organized What can you delegate Tips Vacations
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Wine Recommendation https://www.heronhill.com/product/2018-Eclipse-Red (Heron Hill - Products - 2018 Eclipse Red) - 44% Merlot, 31% Cabernet Franc, 25% Cabernet Sauvignon.
A well-balanced red blend wih jammy flavors of black cherry and blackberries. Hints of nutmeg and licorice are in the background with soft tannins.
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. Kate Welker is back on the show this week, and now that tax season is drawing to close, it's time to start talking about recovering from tax season! It's time for some spring cleaning, and we're here to help! What you will learn: Create a table of contents How long to save various documents Backing up your files
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://thegrapery.com/ (Arbor Hill Winery) Arbor Hill Winery is located in South Bristol just north of Naples, New York, at southern end of Canandaigua Lake in the famous Finger Lakes Region. In 1987 Arbor Hill opened in just one building. Now it sits in a complex of vintage buildings (including the original), in a wonderful warm New England country setting. The Brahm family takes great pride in the fact that they produce their products on the premises. In their country complex they have several buildings; one is the retail shop, another is Brew & Brats at Arbor Hill, and two barns serve as the wine cellar and the food production area. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
On this episode of Wine and Dime, Kerrie Beene joins us once again. This time we are talking about HSA and 529 Myths. What you will learn https://privatecollege529.com/author/amy-irvine/ (529 Myths and Facts) HSA Contributions & Distribution (reminder of what they are vs FSA) https://static1.squarespace.com/static/5884eaf446c3c44ae817722a/t/61ba515e3d400e496abdba30/1639600479033/Important-Numbers-2022.pdf (Amounts you can contribute to both HSA and FSA) Dependent FSA Special Purpose FSA
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Wine Pick of the Weekhttps://www.glenora.com/product/Port (Glenora Wine Cellars - Port)Glenora Wine Cellars is a beautiful winery resort located on Seneca Lake in New York’s Finger Lakes Wine Country. Since we opened our doors in 1977 as the first winery on Seneca Lake, we have been producing award-winning Finger Lakes wines and offering year round hospitality. With daily wine tastings and cellar tours, you not only can taste our high quality wines, but go behind-the-scenes and see where it’s made. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
200! When I started the show, I thought it would be fun to bring my two favorite passions together - Wine and Finance. Everyone's journey in life is different, just like everyone has different palettes for wine - both should be celebrated and not judged. This week’s guest could not have been a better fit to help us celebrate our 200th episode as she is the essence of why I started this podcast. Join us for this podcast and learn about Barbara's riches to rags to riches story. Barbara is a Mentor and a Coach and is "The Leading Authority on Women, Wealth & Power". Barabara joins us this week to share her amazing story about how she had wealth, lost wealth, and had to rebuild her wealth. That started her on a journey you will never forget, as she reveals her financial lessons with other women in all walks of life. You're definitely going to want to tune into this one! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.barbara-huson.com/ (Barbara Huson | The Leading Authority on Women, Wealth & Power)Author of: Newest Book: https://www.amazon.com/Rewire-Wealth-Program-Financial-Success-dp-1260464237/dp/1260464237/ (Rewire for Wealth) https://www.amazon.com/Sacred-Success-Course-Financial-Miracles/dp/1940363233/ (Sacred Success: A Course in Financial Miracles) https://www.amazon.com/Overcoming-Underearning-Five-Step-Plan-Richer/dp/006081862X/ (Overcoming Underearning: A Five-Step Plan to A Richer Life) https://www.amazon.com/Prince-Charming-Isnt-Coming-Women/dp/0143112058/ (Prince Charming Isn’t Coming - How Women Get Smart About Money) https://www.amazon.com/Secrets-Six-Figure-Women-Surprising-Strategies/dp/0060933461/ (Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life) https://www.amazon.com/Finding-Financial-Advisor-You-Trust/dp/1934126055/ (Finding a Financial Advisor You Can Trust: A Guide for Investors (and those who want to be)) https://www.barbara-huson.com/books-and-products/ (AND MORE!)
About BarbaraI want to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom which took me over 40 years to figure out.I grew up relying on my father (the “R” of H&R Block), then my husband, to manage my inheritance. But early in my marriage, I found out my husband was a compulsive gambler. And here’s the insane part — I continued to let him handle all our finances because that’s how scared and intimidated I was by money. That didn’t change until a devastating financial crisis became a personal wake-up call. I got tax bills for over $1m for illegal deals my ex got us in. He’d left the country. I didn’t have anywhere close to $1m. And my father wouldn’t lend me the money. I had three daughters — one just a baby, and I was not going to raise them on the street. That’s when I knew I had to get smart. And I did. I share my journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… and earn more than you’re making now. It’s much simpler and more in your control than you may realize. Interested in working with Barbara? https://www.barbara-huson.com/courses/ (Click Here to find out more!) Wine Pick of the Weekhttps://www.joshcellars.com/product/josh-cellars-chardonnay/ (JOSH CELLARS Chardonnay)STYLE Our Chardonnay is a great balance of bright citrus and honey with a touch of oak character and hints of juicy peach. Crafted with care so that no single flavor overpowers another, this wine is simply delicious. Pairs beautifully with shrimp, steamed mussels, creamy pastas, roasted chicken, and grilled vegetables. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830...
Becky Eason is back with us for this episode of Wine and Dime. She's here to talk about education, tax tips and a great Port from Lakewood vineyards. It's always a pleasure to have Becky on the show, we love her insights and knowledge that she brings to the table. What you will learn this episode Student Loan Interest Deduction American Opportunity Tax Credits Lifetime Learning Credits Refundable - AOTC up to $1,000 Non-refund - Lifetime
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://lakewoodvineyards.com/wines/port/ (Lakewood Vineyards 2020 Port)This scarlet colored port has a big nose of plums and currants. The palate is velvety and warm with lingering notes of cassis and a hint of anise. The perfect accompaniment to cold nights and warm fires. This Port is delicious with flavorful blue cheese or rich dark chocolate. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to tax talk here at Wine and Dime. We welcome Kate Welker back to the show to share her expertise in taxes. This episode will go into some of the nuances of state and federal taxes, and what is taxed. Be sure to tune in and let us answer some of your tax questions. What you will learn in this episode Progressive versus flat tax system Self-Employment Tax Tips to check on your withholdings
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Amy's Wine Pick of the Weekhttps://www.shopthreebros.com/collections/featured/products/estate-bourbon-barbera (Estate Bourbon Barbera)Estate Grown Barbera aged in bourbon casks for 372 days. Tasting Notes: Aromas of cassis, peat, and cinnamon introduce a palate of vanilla, figs, and raspberry preserves. Dried fruit, hazelnuts, and toast support the peat character of the palate. Vintage: 2020 TA: 8.0g/L pH: 3.43 R.S.: 1.5% ABV: 14.0% Dry red wine Limited quantities available 750ml bottle Cork and wax closure
THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Wine and Dime welcomes back to the show Ann Arceo. Ann is here to share with us three tips for spouses that have different money philosophies. Some of the things we hope you consider are Discuss from a place of understanding Goal planning - make sure you on the same page with big picture goals Consider 2 separate personal spending accounts + general fixed spending account
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Amy's Wine Pick of the Weekhttps://prejeanwinery.com/wineshop (Prejean Winery Semi-Dry Rieslng)NY - Seneca Lake A great summertime white wine with rich, lush flavors and aromas, the perfect wine before dinner, or with spicy dishes or BBQ. Alcohol 12.00%
A LITTLE BIT ABOUT ANN ARCEO, AAMS®…I have been working in the financial planning industry for over 10 years. In my career in financial planning at PartnersInWealth, a wealth management firm based in Houston, Texas, which caters to high-net-worth clientele. I worked with the firm’s president to develop a new method of training to help advisors learn to deliver technical financial plans in an easy, "plain English" format that clients would understand. CONTACT ANN ARCEO I then worked for LPL Financial, an independent broker dealer, where I earned my Series 7 & 66 securities licenses. I worked alongside a branch manager creating financial plans, account summaries, and investment performance reports for high-net-worth clients. I also have a passion for writing, and my financial articles have been featured on Investopedia.com, a website which has 20 million unique visitors per month. I have also written for ReadyForZero.com, BudgetTracker.com, and have been quoted in articles for Forbes and U.S. News & World Report. I live with my husband and two children in Fort Collins, CO, and we enjoy spending time with friends, hiking, and of course planning our financial future together! THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime we welcome back Kerrie Beene! She's here to share with us three tips to eliminate the emotion behind large financial decisions. In this episode, you'll learn: To Recognize the emotion Know the Trust Cost Know how to fund and how it affects your other goals
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Amy's Wine Pick of the Weekhttps://www.markwestwines.com/wines/california-pinot-noir.php (MARK WEST PINOT NOIR)TASTING NOTESThe original. Medium-bodied with black cherry, cola, strawberry, plum, and soft tannins. No wonder this Pinot is a favorite. PAIRS PERFECTLY WITHPastas with light tomato-based sauces, a juicy cheeseburger, grilled salmon, roasted pork tenderloin, or if you're not a cook, drink it on its own. WINEMAKING NOTESWe selected grapes from vineyards in the finest cool-climate regions of California in order to bring you a balanced fruit-forward Pinot Noir. After early morning harvesting, we gently crush and destem the fruit. We then ferment it in small stainless steel tanks, with daily punch-downs and pump-overs...basically, that's what we do to help get the great flavor and color you love. After a light pressing, we age the wine with French oak, then we blend it, bottle it, and you enjoy it. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, we ask the question, "When is it Time to Offer Assistance to Parents/Grandparents?". We welcome back our very own Becky Eason to walk us through some things to look for and ways that you can help Becky's tips for when it's time to offer assistance to parents / grandparents If you notice they are feeling overwhelmed with mail If you notice more atm or cash withdrawals than normal If you notice any late notices
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! Amy's Wine Pick of the Weekhttps://lakewoodvineyards.com/wines/cabernet-franc/ (2019 Cabernet Franc) A classic Bordeaux variety, Cabernet Franc loves this cool climate region, as proven by this award-winning wine. Enjoy with grilled steak, dishes seasoned with black pepper, or smoked cheeses. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Hey Wine and Dime listeners! Welcome back to another episode! In this episode we are featuring our own Kate Welker as we talk about educating kids on finances. We think it important to get kids thinking about finances early in life and in this episode, we explore some ways to go about that. In this episode you will learn. When Educating Kids on Finances: Be Transparent Let them use money (cash) Engage them in big family financial decisions
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! A LITTLE ABOUT KATE WELKER, CFP®...CONTACT KATE WELKER I enjoy helping clients understand their finances and how to use their resources to live their ideal lives. I spent years working in a world that only focused on the investments and I found myself constantly wanting to do more for my clients. The investments are a piece of your puzzle, but I want to look at the big picture made up of all the pieces. I joined Rooted Planning Group to be able to offer comprehensive advice to my clients. Working with a team of financial planners lets me focus on building client relationships while bringing the knowledge and experience of the group to the table. I specialize in working with small business owners as well as busy working families. I was raised by hard working parents who both owned their own businesses, so I intimately understand what that lifestyle entails, the struggles, the responsibility, and the freedom. My current life can be summarized by busy working family; balancing careers, time, finances, and children is a reality I understand. I also love to travel, get lost in books, and savor time with my family. BREAD & BUTTER CALIFORNIA CABERNET SAUVIGNONA ripe and robust Cabernet Sauvignon that charms with layers of mocha, fresh berries, blackcurrant and subtle black pepper, toasted oak and rich vanilla. Round and luscious with a hint of spice, soft tannins weave into a smooth and lingering finish. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. This week we welcome back to the show our very own Becky Eason. She is here to talk about updating resolutions for the new year and some money saving tips. We call Becky our "Coupon Queen", because she is our hunter when it comes to finding all the available deals. If you're looking for some tips to save money, then you are not going to want to miss these tips! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! A LITTLE BIT ABOUT BECKY EASON, CFP®From the time I was a child I knew I wanted a career in business. I’ve grown up in the business environment and have always loved it. In high school I took every business class that was offered and fell in love with accounting. After high school, I initially enrolled in the business administration program at Alfred State College. A year into the program I was directed to the financial planning program and instantly knew that was the right choice. Financial planning is a perfect fit for me, as I can work with numbers and help people achieve their financial goals at the same time. In my spare time I enjoy running, camping and bowling. https://lakewoodvineyards.com/wines/abby-rose/ (LAKEWOOD - ABBY ROSE)Our best-selling sweet wine, this long-time favorite is named after our winemaker’s oldest daughter Abby. A fun, fruity wine, Abby Rose is also a great base for sangria. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. This week we are going to try something a little different and do what we are calling a "Walkthrough". We welcome to the show my brother, T.J. Meehan. T.J. edits the podcast as a side hustle and takes care of all the show notes and making sure it gets out to you all on a weekly basis. He is planning on going on a vacation for his 20-year anniversary and we are here to help. We go through some places to find cheap flights, to making sure your passport is in order, to thinking about trip insurance. If you're thinking of taking a vacation than there may be something in this episode for you. Feel free to download this checklist, it covers a lot of the stuff we talked about during this episode! https://static1.squarespace.com/static/5884eaf446c3c44ae817722a/t/61af8c43e218fa20f35c48cd/1638894659437/RPG+2021+Money-Saving-Checklist+section+4.pdf (Money Sprouts Checklist) Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://lakewoodvineyards.com/wines/abby-rose/ (Lakewood - Abby Rose) Our best-selling sweet wine, this long-time favorite is named after our winemaker’s oldest daughter Abby. A fun, fruity wine, Abby Rose is also a great base for sangria. https://www.allagash.com/beer/white/?ao_confirm (Allagash White) Witbier With Balanced Citrus And Spice Our award-winning interpretation of a Belgian-style wheat beer is brewed with oats, malted wheat, and raw wheat for a hazy “white” appearance. Spiced with our own special blend of coriander and Curaçao orange peel, Allagash White upholds the Belgian tradition of beers that are both complex and refreshing. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, we welcome co-host Kate Welker! Kate and I are here to talk about financial "Holiday Hangover". This is all about how we go about paying off those holiday debts and the additional spending that we all inevitably have during the Holiday season. If you are looking for some help, or just want to make sure you are on the right track, then this is the episode for you! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! KATE WELKER - CFP®FINANCIAL PLANNERI enjoy helping clients understand their finances and how to use their resources to live their ideal lives. I spent years working in a world that only focused on the investments and I found myself constantly wanting to do more for my clients. The investments are a piece of your puzzle, but I want to look at the big picture made up of all the pieces. I joined Rooted Planning Group to be able to offer comprehensive advice to my clients. Working with a team of financial planners lets me focus on building client relationships while bringing the knowledge and experience of the group to the table. I specialize in working with small business owners as well as busy working families. I was raised by hard working parents who both owned their own businesses, so I intimately understand what that lifestyle entails, the struggles, the responsibility, and the freedom. My current life can be summarized by busy working family; balancing careers, time, finances, and children is a reality I understand. I also love to travel, get lost in books, and savor time with my family. Californian Red Blendhttps://www.vivino.com/wine-regions/california (California)Some of the greatest wines in California are a blend of various red grapes. The most successful blends follow the Cabernet Sauvignon and Merlot recipes of Bordeaux, but with even more intensity. These wines are typically luscious and strong with lots of ripe blackberry, black currant, and vanilla flavors. The warm days and cool nights of the Napa Valley in Northern California make it the ideal place to make Bordeaux-style red wines. Although the wines of Bordeaux have historically been considered the best wines of the world, the bolder, richer, and more fruit-forward wines of California are now just as respected. Just like Bordeaux, California's dominant grape is Cabernet Sauvignon with its rich blackberry flavors. Merlot is added to soften the edges and add red fruit flavors. Cabernet Franc and Petite Verdot are even added at times for complexity. These California blends are very balanced and are great when they are young, but they can also age for decades. Another popular blend is made from Grenache and Syrah. This style is a fuller and richer version of the wines of France's Rhône Valley. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. We welcome back to the show Kerrie Beene. For those of you who aren't familiar with Kerrie, she is a Financial Planner with us here at Rooted Planning Group. Her roots in Southeast Oklahoma have given her great insight on the need for financial planning that is not just investment focused, but also focused on all the other financial planning decisions. In this episode we have a really great jam session about short and long-term goals. We go through a lot of the things that our clients are talking to us about and share some insights that we hope you find helpful while setting your goals! We hope you enjoy! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.facebook.com/knottedropewinery/ (KNOTTED ROPE WINERY)The latest winery to open in Hochatown, Oklahoma. Knotted Rope Winery offers a selection of wines, red & white ranging from sweet to dry. ADDRESS 83 North Lukfata Trail Rd. Broken Bow, OK 74728 THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Hello Wine and Dime listeners! We are excited to be back for 2022! And to start off the year we are going to be talking all about budgets. I couldn't think of a better guest to have on other than our own "Budget Master", Ann Arceo. Ann is a financial planner here at Rooted Planning Group and we sure are lucky to have her. Her expertise and input will surely be a benefit to anyone tuning into today! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! ANN ARCEO - AAMS®FINANCIAL PLANNERI have been working in the financial planning industry for over 10 years. In my career in financial planning at PartnersInWealth, a wealth management firm based in Houston, Texas, which caters to high-net-worth clientele. I worked with the firm’s president to develop a new method of training to help advisors learn to deliver technical financial plans in an easy, "plain English" format that clients would understand. I then worked for LPL Financial, an independent broker dealer, where I earned my Series 7 & 66 securities licenses. I worked alongside a branch manager creating financial plans, account summaries, and investment performance reports for high-net-worth clients. I also have a passion for writing, and my financial articles have been featured on Investopedia.com, a website which has 20 million unique visitors per month. I have also written for ReadyForZero.com, BudgetTracker.com, and have been quoted in articles for Forbes and U.S. News & World Report. I live with her husband and two children in Fort Collins, CO, and we enjoy spending time with friends, hiking, and of course planning our financial future together! THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime! We're so pleased that you've taken the time to join us today. This particular podcast is all about setting New Year's resolutions for financial peace. I'm all about the journey that we're on in life. Whether it's finding that next good wine or finding that financial peace that we all want and of course, reducing our stress in the new year. It’s incredible that it's that time of year already! We here at Wine and Dime and Rooted Planning Group wish you a Happy Holiday season and a great New Year! Also included below are the documents that we talked about. Just click the provided links to download! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at https://my.captivate.fm/www.rootedpg.com/podcasts (www.rootedpg.com/podcasts) for full show notes and links! https://tj-meehan-rs4z.squarespace.com/s/Sample-Budget-2022.xlsx (SAMPLE BUDGET - 2022) https://tj-meehan-rs4z.squarespace.com/s/2-Choices-to-Prioritize-2022.docx (CHOICES TO PRIORITIZE 2022) https://tj-meehan-rs4z.squarespace.com/s/2-New-Years-Resolutions.docx (NEW YEAR’S RESOLUTIONS - FINANCE 2022)
https://hinnantvineyards.com/ (About Hinnant Family Vineyards)THE HINNANT FAMILY VINEYARDS & WINERY STORYIt all started in 1971 when the Hinnant siblings Jacqueline, Freddie, Douglas and Willard had a dream to start a vineyard in Johnston County. Freddie’s husband, Glen, had the honor of being the original vineyard manager that watched over the vineyard while the others maintained their jobs as a teacher, dentist, book keeper and carpenter. In the early years, grapes were sold to fresh markets, other vineyards, & to the public. At the turn of the century, Williard & his son, Bob started their own quest to create wine from the family vineyard. Starting with just a few varieties of wine, the doors opened and in 2003 the first bottle was sold. The father & son pair enjoyed working side by side fine tuning their award winning wines until 2013, when Williard passed away. Bob, with his family’s reassurance, support (and secret recipe,) now operates Hinnant Family Vineyards & Winery. Over the years, Willard & Bob acquired all of the land and holdings from Williard’s siblings. Building upon the original acreage growing to a 100 acres of grapes, the Hinnant Family Vineyards & Winery is the oldest and largest commercial Muscadine vineyard in the state of North Carolina. The Hinnant Family has also become experts on other native grapes. From Virginia; the Norton grape takes up approximately 2 acres and is handcrafted to produce their driest, most complex red, offering oak, vanilla and spice notes! From Texas; they have a couple acres of an American hybrid Blanc du Bois. The fruit offers intense grapefruit, pineapple, and passion fruit flavors. From the very beginning, there has been long standing tradition to open the Vineyard to the public during the harvest season. Every September Hinnant Family Vineyards & Winery encourages the public to come out and pick their own Muscadine grapes. A large white tent marks the start of the Harvest season & stands at the front of the business to welcome customers. There you can purchase pre-picked grapes, or pick up a bucket & head out into the vineyard. We invite you to come take part in this annual Hinnant Family Tradition. Regardless of the season, the Hinnant Family invites you to visit the vineyard to see how their dream has developed.
SNOW'D INNThis is a winter seasonal. A dry white wine infused with cranberry. Crisp & tart, and with just a hint of sweetness from the cranberries.
2016 PINOT GRISWA - Columbia Valley Light, crisp dry white with subtle lemon & apple flavors & a well balance acidity.
THIS EPISODE...
Welcome back Wine and Dime listeners. This week and this month's topic will be all about reducing stress, especially as we head into the holidays. One of the things that we know contributes to that stress is finances. Stay tuned for the rest of this podcast to where we dig into this a little bit more. Also included below are the documents that we talked about. Just click the provided links to download! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://hinnantvineyards.com/ (About Hinnant Family Vineyards)The Hinnant Family Vineyards & Winery StoryIt all started in 1971 when the Hinnant siblings Jacqueline, Freddie, Douglas and Willard had a dream to start a vineyard in Johnston County. Freddie’s husband, Glen, had the honor of being the original vineyard manager that watched over the vineyard while the others maintained their jobs as a teacher, dentist, book keeper and carpenter. In the early years, grapes were sold to fresh markets, other vineyards, & to the public. At the turn of the century, Williard & his son, Bob started their own quest to create wine from the family vineyard. Starting with just a few varieties of wine, the doors opened and in 2003 the first bottle was sold. The father & son pair enjoyed working side by side fine tuning their award winning wines until 2013, when Williard passed away. Bob, with his family’s reassurance, support (and secret recipe,) now operates Hinnant Family Vineyards & Winery. Over the years, Willard & Bob acquired all of the land and holdings from Williard’s siblings. Building upon the original acreage growing to a 100 acres of grapes, the Hinnant Family Vineyards & Winery is the oldest and largest commercial Muscadine vineyard in the state of North Carolina. The Hinnant Family has also become experts on other native grapes. From Virginia; the Norton grape takes up approximately 2 acres and is handcrafted to produce their driest, most complex red, offering oak, vanilla and spice notes! From Texas; they have a couple acres of an American hybrid Blanc du Bois. The fruit offers intense grapefruit, pineapple, and passion fruit flavors. From the very beginning, there has been long standing tradition to open the Vineyard to the public during the harvest season. Every September Hinnant Family Vineyards & Winery encourages the public to come out and pick their own Muscadine grapes. A large white tent marks the start of the Harvest season & stands at the front of the business to welcome customers. There you can purchase pre-picked grapes, or pick up a bucket & head out into the vineyard. We invite you to come take part in this annual Hinnant Family Tradition. Regardless of the season, the Hinnant Family invites you to visit the vineyard to see how their dream has developed. 2016 Cabernet SauvignonWA - Horse Heavens Hills This Washington State Cabernet Sauvignon has bold complex flavors layered with tannins. Dry & smooth with dark chocolate & berry flavors. 2016 Pinot NoirWA - Columbia Valley A medium to full bodied Red with rich berry flavors and subtle tannin on the finish. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime with Amy Irvine. We are excited to have Chris Dell back with us. Chris and I talk about grief and loss and ways to help others cope. We hope that as we enter into the end of 2021, you and your family are able to spend some time to celebrate with each other. We truly hope that those of you that have experienced loss this year understand that we are here for you, we can share your pain, and we are here to listen. Chris has started his own podcast and we have a fantastic crossover episode that we want to share with you, so stay tuned for more information from Chris as you listen to this episode. We hope you enjoy the show. Chris's Podcast - https://lifeaftergrieffp.com/blogs-and-podcasts/category/podcasts (Real Talk With Life After Grief Chris) Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com About Chris DaleIt All Started…In 2008, at the peak of the recession, I lost my mother to cancer in August and my father to a broken heart in November. In 2010, my grandmother passed away after a stroke. Then a heart wrenching experience in 2012 of losing my oldest child. I became a financial planner in 2003 during the process of helping my parents in their declining health. In 2011, three years after my parents passed, I became a CERTIFIED FINANCIAL PLANNER™ to better help families in need. My personal experiences and knowledge of grief and loss of loved ones helps me to understand and assist families enduring similar situations. I’ve helped over 400 families navigate many financial issues and life circumstances such as grieving loss of loved ones. I Truly Look At My Experiences In Life As Gifts I Can Use To Help Others. I have an Elementary of Education degree from the University of Florida and a minor in Business Administration; I also specialized in Psychology. As a result of my experiences with grief, many financial advisors have asked me for support in working with their own grieving clients. In such, I’ve created an online course and resources to help as many advisors as possible to understand grief and how to better serve their clients’ needs. Even if you’re not a financial advisor, this course will help you understand grief and how to work with grieving clients. I’ve had many professionals take the course as well, such as tax and insurance advisors, even attorneys. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Just like you would plan for a vacation, you have to plan for retirement. In this weeks episode of Wine and Dime we explore what retirement really is... "Your Longest Vacation." We talk about the necessity of being willing to plan for your retirement, in order to enjoy it to its fullest! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.fingerlakeswinecountry.com/ (Finger Lakes Wine Country)Finger Lakes Wine Country is a deep taste of a pure, refreshing environment, a leisurely discovery of postcard-perfect towns, and an experience of warm, genuine makers and crafters of world-class wines, beers, and spirits who like nothing better than to share the secrets and stories of a wine country unlike any other. It’s a place where you can come thirsty for knowledge about Riesling or Cabernet, and—beginner or expert—ask us anything! You can come hungry to experience our views and sunsets, or curious about the colorful, influential men and women who shaped the history far beyond their homes. You can come to Finger Lakes Wine Country eager to experience winter or summer, swimming or snowshoeing, winemakers’ dinners or evenings with brew masters. Bring your desire to do everything. Give us your thirst for life. Life in the Finger Lakes is overflowing. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, we are looking to set you up for success in 2022, by reviewing your 2021 goals. This all about "Tangoing" with your 2021 goals and ensuring that you are on track. We want to make sure that stay on track during this busy time of year! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://hectorwinecompany.com/ (Hector Wine Company )Inspired WinemakingAt Hector Wine Company, our portfolio emulates a deep commitment to making wines that reflect our centuries old farm, Sawmill Creek Vineyards. Because of this commitment, we handcraft each wine. This means that we handpick in the vineyard and employ a second hand sort at the winery every time. We allow for long fermentations, often spontaneous, and don’t rush the wines into bottle. Our small production wines are carefully curated to express balance and terroir. Soul RedOur medium bodied, house style dry red. It is a blend of Syrah, Chancellor, Lemberger, Cabernet Sauvignon, Cabernet Franc and Merlot. Sleek, with nice complexity. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. In this episode we begin thinking about year end tax planning. We're here to help you brush up on your year end tax dance steps. We don't want you to miss out on any tax savings that may be able to you. Be sure to tune in and hear how we can help you! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com To get the links mentioned on the show, visit the show notes on our website at https://www.rootedpg.com/podcasts/2021/11/3/year-end-tax-dance (Year End Tax Dance — Rooted Planning Group (rootedpg.com)) https://www.bullyhillvineyards.com/product?productid=16F5BF4F-576A-44DC-8E9E-33F9006320C6 (BULLY HILL CHARDONNAY RIESLING FUSION) DESCRIPTION With fresh notes of ripe, juicy melon, zesty citrus, and crisp apple, Bully Hill Chardonnay Riesling Fusion, brings out the best of two classic white wine grapes. This semi-dry wine pairs perfectly with lighter fare and spicy foods. Bully Hill fate was set into motion almost 100 years before its inception when founder Walter S. Taylor grandfather started the Taylor Wine Company on the very same plot of land Bully Hill stands on today. After relocating to Pleasant Valley, NY and surviving prohibition the Taylor Wine Company became a leader of the New York Wine Industry. It has carried itscontrol quality throughout the years to produce the best tasting wine and preserves the honest family philosophy on which the winery was founded. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime with Amy Irvine. This week we will be talking about long term care, life insurance and disability insurance. We know that this isn't the most glamorous topic, but we want to make sure that people understand these important topics. we want to make sure you get the most out of your employment benefits and to help you solve those financial difficulties that might come up. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.mcgregorwinery.com/product/2019-Cabernet-Franc?productListName=Homepage&position=5 (McGregor Vineyard)https://www.mcgregorwinery.com/product/2019-Cabernet-Franc?productListName=Homepage&position=5 (Cabernet Franc)This vintage of Cabernet Franc has a bright purple-red color and exemplifies how even a light to medium bodied vintage can be seductive and brimming with complexity and delight. It has aromas of ripe red raspberry, red currants, red cherry, strawberry, licorice root and spice. Grippy, fine tannins hold flavors of sour cherry, cranberry, raspberry, and black tea on the palate and help maintain a pleasant, lingering finish. Consume now with an hour or two of decanting or age for a minimum of 3-5 years. Serve with spicy barbecue ribs, beer battered cod, chicken spiedies, or pasta dishes with red sauce. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. We continue our October focus on Employee benefits and open enrollment with this weeks topic being all about Medical Benefits and Health Plans. We go over some real life examples of things to be thinking about that could save you a bunch of money. We also look at another Cabernet Franc, this time from the Domaine LeSeurre Winery located in Hammondsport, NY Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Domaine LeSeurre WineryBonjour ! Originally from CHAMPAGNE, France, our family has hander crafted wine for 6 Generations. After passionately enjoying 15 vintages around the world, we fell in love with the beautiful Finger Lakes region and terroir. We are now living our lifelong dream of creating artisan wines Come And Experience We love to share our passion of creating artisan wines to wine novices and connoisseurs alike ! Mother Nature is the true artist. Our passion allows her to shine. Enjoy the moment Experience our personalized and educational tastings from our passionate team. Relax with your FRIENDS & FAMILY on our terrace overlooking beautiful KEUKA Lake THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
October and November are known in financial planning circles as Open Enrollment season. What does that mean for you? It means that its time to again to take a look at those employee benefits and see if its time to make some changes. This episode of Wine and Dime will tackle those issues and some of things that you should be considering when looking through your employee benefit packages Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.wiemer.com/product/cabernet-franc-2/ (Hermann J. Wiemer Vineyard)https://www.wiemer.com/product/cabernet-franc-2/ (Cabernet Franc)DescriptionCabernet Franc is ideally suited to the long falls of the Finger Lakes. Extended hang time in our riper sites builds structure and flavor complexity, evidenced in the generous raspberry and plum aroma on our medium-bodied Cabernet Franc. On the palate it combines bramble fruit, soft tannins, and a black pepper finish. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime Listeners! This week it was my pleasure to talk to fellow entrepreneur Elin Barton. In this episode we talk about Grit. The grit it takes to open you own business, is a characteristic that Elin and I share. We talk about what it takes to be a business owner, female business owner and plenty of other topics. We dig into Elin book, "https://elinbarton.com/book/ (Ready, Set, Grit: Three Steps To Success in Life, Business & The Pursuit of Happiness)". We think you will enjoy the conversation, and be sure to check out Elin's recommendation as well! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://elinbarton.com/about-elin/ (Elin Barton) ABOUT ELINI’m so passionate about working with entrepreneurs for a couple of reasons. First and foremost, these are my people. I grew up in an entrepreneurial family, which means that the tendency to want to be independent, calling my own shots, playing by my own rules, and creating my own luck- all of that is (quite literally) in my blood.Entrepreneurship is what I live and breathe. When things are going well in a business that you either started or molded with your vision and hard work – well, there’s nothing that compares to that feeling. It’s fun, exciting and a giant ego boost. You feel good and you feel like you can take on the whole world. Like every other entrepreneur, I love that feeling!But then there are those other times, when it feels like you’re doing everything in your power to make things work in your business, but you’re just stuck. I know all too well what that’s like too, and I’ve been at my own rock bottom where funds had run out, resources had dried up, and I had no idea how to turn things around. I had two children, a husband and employees who were all counting on me, and although I was working my behind off, nothing seemed to be making much of a difference. I felt like a horrible failure. How could I be in my 40’s, be a business owner and be just inches away from having my car repossessed or from bouncing the check for groceries.I knew in my heart that my situation was ridiculous, but I also knew in my heart that there was a reason for it. Even on my very worst days I was journaling the experience because I never wanted to forget it. And ironically, going through all of that was the exact motivation I needed to figure out an answer to my biggest problem: How do I get UNSTUCK?I began a journey of searching for that answer. I started a pod cast and began interviewing people who were smarter than me -people who I thought might hold the key. The more people I talked to, and the more notes I took, I started to see some common themes emerging.I wrote them down, started testing them out and hired a business coach.I talked to more and more people and started working with some fellow entrepreneurs. Eventually, I uncovered a consistent method for a Dynamic Upwards Pivot and now I love working with people who need to make their own pivot, whether that pivot is motivated by a need for more money and cash flow, or whether it’s about becoming more aligned with a purpose or passion.Just because you’re an entrepreneur, and by your very nature are extremely independent, that doesn’t mean you have to navigate tough waters on your own. Let’s do this together, and pivot toward a more prosperous future.https://elinbarton.com/book/ (READY, SET, GRIT: THREE STEPS TO SUCCESS IN LIFE, BUSINESS AND THE PURSUIT OF HAPPINESS)Ready, Set, Grit is your guide to identifying what you want out of life and how to get it. Whether you are just getting started in your career, reinventing yourself, or looking to break through barriers in your business, you MUST master the three tenets of this book: Mindset – learn how to crush your own self-limiting beliefs Foundation – preparing for success by creating your support...
In the final insurance topic of the month, we discuss Pet insurance! Yes, those "fur babies" might need a little planning too. Vet bills can be a costly expense, and planning for those expenses with insurance just might be the answer you are looking for. In this episode of Wine and Dime we discuss just that, along with some other money saving tricks when it comes to your pets! Be sure to curl up with your favorite bottle of wine, and your little fur baby and enjoy the show! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.petinsurancereview.com/dog-insurance (Best Dog & Puppy Health Insurance Plans | Pet Insurance Review) Compare the best dog insurance plans from top pet insurance providers. See their reviews before choosing a policy to cover your dog's health. https://www.heronhill.com/ (Heron Hill Winery) 2018 Eclipse Red 44% Merlot, 31% Cabernet Franc, 25% Cabernet Sauvignon. A well-balanced red blend with jammy flavors of black cherry and blackberries. Hints of nutmeg and licorice are in the background with soft tannins. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, we continue with Septembers topic of insurance. In this episode we cover other types of liability insurance, and do a deep dive on Umbrella Insurance! What Is Umbrella Insurance?https://www.investopedia.com/terms/u/umbrella-insurance-policy.asp (Umbrella insurance )is a type of personal liability insurance that can be indispensable when you find yourself liable for a claim larger than your https://www.investopedia.com/terms/h/homeowners-insurance.asp (homeowner's insurance) or auto insurance will cover. If you own a boat, umbrella insurance will also pick up where your watercraft's liability insurance leaves off. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Wine Suggestion of Weekhttps://pointofthebluffvineyards.com/product/2019-rooftop-reds-blaufrankisch (2019 Rooftop Reds Blaufränkisch)Wine Profile A full bodied red with subtle cherry wood, leather and floral notes on the nose. Soft plum and juicy blueberries on the palate. Delivers a round mouth feel with gentle tannins. Vineyard Notes Simmons Vineyard, Keuka Lake, New York Production Notes Fermented with the skins on, pressed dry. 1 ton picking bins, pushed down twice daily, vinified 15 months in French oak. 304 cases made
Welcome back Wine and Dime Listeners! This weeks topic is all about Homeowners and Renters insurance. Homeowners InsuranceA homeowners insurance policy is taken out by the owner of the home. The amount of insurance generally covers both the cost to replace the home in the event of a total loss and the personal property in it, such as furniture, appliances, clothing, jewelry, and dishes. If a home costs $200,000 to rebuild and the items inside the home cost $150,000 to replace, a homeowner who wanted to cover everything would need to insure the property for at least $350,000 Renter’s InsuranceRenter’s insurance is for occupants who do not own the property but want to protect their personal belongings that are in the home or on the property. It is important for renters to note that the property owner’s insurance policy does not cover them and their items in the event that they are damaged or destroyed. Renter’s insurance policies will reimburse a renter for the replacement cost of property that is lost or damaged while on the property. It can also extend to means of transportation, covering items stolen from your car or a bike stolen while you were at work. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com BULLY HILL - CABERNET FRANCAromas of raspberries and plums are the centerpiece, with polished tannins completing the symphony. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back to another episode of https://www.rootedpg.com/podcasts (Wine and Dime). We continue insurance month here at Wine and Dime, with this weeks topic being all about auto and vehicle insurances. Again, not the most glamorous topic, but oh so important. We cover why it's important to insure all types of vehicles, not just your cars, and even through a tip or two in there to potentially help lower your rates, so be sure to give it a listen! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com This weeks Winery and Wine Selection! https://www.weisvineyards.com/ (Weis Vineyards)10014 Day Road Hammondsport, NY 14840 (607) 284-4011
Born in Zell Mosel, Germany, Winemaker Hans Peter Weis traveled to the United States on a quest to pursue his passion and discover the world. However, his travels were cut short when he stumbled upon his home away from home in the Finger Lakes region of New York. Finding the minerality of the soil and climate similar to that of home, he is able to pursue his passion of handcrafting traditional German style wines for all to enjoy. Zum Wohl!
Welcome to another episode of Wine and Dime, the podcast where we talk about personal finance and Wine. I this episode we are talking about property and personal insurance. This is a topic that isn't the most glamorous, but it's oh so important! Remember insurance is all about transferring risk and we want to make sure that you thinking about some of the gaps that might be in your insurance policies. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
In this episode of Wine and Dime we cover Disaster Preparedness. This is a topic that I was thinking a lot about this week, with the flooding in my home town and the Hurricanes that some of my clients were experiencing on the east coast. I cover some things that I went through and some tips that may help during a potential financial burden. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://shawvineyard.com/ (Shaw Vineyard) is a Finger Lakes artisanal winery dedicated to gentle processing, cellar aging, and risk taking. Since 2002, Shaw has stretched the limits of cool-climate winemaking, experimenting with hands-on, old world methods to enhance the expression of some of the world’s most celebrated varietals. We believe in sustainable viticulture and fine agricultural craftmanship. This is a vineyard-focused winery, owned and operated by a winemaker and grape grower with over 40 years of vinifera experience. What are orange-style wines? They are not wines made from oranges. Instead, they are white wines made like red wine (i.e. skin contact). This is an ancient method of winemaking that is still done in rural areas in Europe, mostly in eastern Europe. Steve Shaw was one of the first Finger Lakes winemakers to throw caution to the wind and dedicate large, commercially viable lots to the orange wine experiment. The first vintage was 2013, and it was extremely successful with both critics and consumers. The second vintage, in 2014, went even further by allowing skin contact for over an entire year before pressing! Grapes used thus far in orange wine have been Gewürztraminer, Sauvignon Blanc, and Pinot Grigio. These orange wines will not undergo filtration and are made in a cloudy vin rustique style, enhancing mouth feel and texture. Orange wines are very approachable but they defy typical expectations. In some respects they can have the bounce of a white wine but the depth of a red, and yet the flavors are difficult to pin down in one easy description. Curious wine enthusiasts have something different to try at Shaw Vineyard.
In this episode of Wine and Dime Kerrie Beene guest hosts and we bring back a Webinar that Kerrie did. In it she is talking about the dynamics that come into play while dealing with loved ones when getting older. She talks about the barriers and the downfalls of not having a plan and some of things to think about. This a great episode for anyone of any generation. Winery - https://www.livingrootswine.com/ (Living Roots Winery)
Living Roots is an urban winery in the Finger Lakes region of Upstate New York [Colleen’s hometown] and a not-so-urban winery in the Adelaide Hills region of South Australia [Sebastian’s hometown]. Though Living Roots was founded in 2016, our legacy began six generations back with Thomas Hardy, Seb’s great-great-great grandfather. In 1850, at the age of 20, Thomas immigrated to the new British colony, Australia, and jumpstarted 150+ years of family winemaking. Seb grew up in his dad’s vineyards, particularly in the Kuitpo subregion of the Adelaide Hills, got a degree in Viticulture and Oenology in Adelaide, with an exchange in California, and worked vintages all over the world. On the other side of the world, Colleen grew up in Rochester, New York [spending time around the Finger Lakes region], studied marketing, worked in corporate America, and headed to Adelaide for the 2014 vintage at Hardy’s Tintara Winery when she was ready for a new adventure. We established Living Roots in 2016, and started splitting our time between South Australia and New York, doing two harvests each year. We source grapes from different vineyards and growers, including from both of our families, and some wines are made year-to-year while others are one-offs. In the Finger Lakes, our focus is on rich whites and sparklings, and in South Australia, it’s vibrant, medium-bodied reds. Each vintage is an opportunity to explore new vineyards and varieties, and our aim is to highlight the terroir and natural strengths of these diverse regions, making wines with wild ferments, minimal inputs and maximum deliciousness. We opened the Living Roots urban winery and tasting room in Rochester, New York in 2017, bringing our Finger Lakes and South Australian wines to the Upstate New York market first. Now, we’re putting more emphasis on Living Roots’s presence in Australia, expanding distribution and setting up a cellar door with tastings by appointment in Kuitpo where we have our small winery. Stay tuned for what’s next!
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
In this month we are talking about all things Estate. We want to talk about the some of the important documents that you may need when dealing with your estate. We love the idea of working with an estate planner and are looking to provide you with the information and education to help you out! Provided is a Summary to keep you on track! Winery - Living Roots Winery - Living Roots is an urban winery in the Finger Lakes region of Upstate New York [Colleen’s hometown] and a not-so-urban winery in the Adelaide Hills region of South Australia [Sebastian’s hometown]. Though Living Roots was founded in 2016, our legacy began six generations back with Thomas Hardy, Seb’s great-great-great grandfather. In 1850, at the age of 20, Thomas immigrated to the new British colony, Australia, and jumpstarted 150+ years of family winemaking. Seb grew up in his dad’s vineyards, particularly in the Kuitpo subregion of the Adelaide Hills, got a degree in Viticulture and Oenology in Adelaide, with an exchange in California, and worked vintages all over the world.
Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
August is Estate Planning month for us here at Rooted Planning Group. We couldn’t think of a better time to re-release this episode with Amy Refeca. We think there is a lot of great information here that anyone can use. In this episode of Wine and Dime, I chat with Amy Refeca. Amy is lawyer specializing in estate planning. In particular, estate planning for women... Mother. Wife. Christian. Business owner. Attorney. Cardinals Fan. Lover of MLB. Helping Women Protect What They Love With A Will or a Trust.We share financial stories and of course, talk about our favorite wines, or wine blends as it may be. One thing that I found very interesting is what Any calls "The Six D's of Estate Planning. And these center around life events that may trigger an Estate Plan, or a need to revisit the Plan. Death Divorce/Marriage Birth Day Disabled or Illness Dividend or Income Distance. If you or someone moves a distance near or far away.
If you’d like to work with Amy Refeca be sure to check out her information below! Amy RefecaFACEBOOK@ATLWILLSANDTRUSTSLAWGROUPTWITTER@ATLWILLS_TRUSTS The WineMALBEC SANGRIASangria is an alcoholic beverage of Spanish origin. A punch, the sangria traditionally consists of red wine and chopped fruit, often with other ingredients such as orange juice or brandy. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
This is a rebroadcast of a previous episode. With August being all about Estate Planning, we felt that it was time to revisit this episode. Mike is a wealth of knowledge and shares so much information that we wouldn't want you to miss. Enjoy! Thank you for tuning into a very special edition of Wine and Dime. In this episode I talk with Mike Martino. Mike is an attorney and partner at the firm of Rossettie Rosettie & Martino. His practice is primarily a Trusts and Estates practice with special emphasis on the area of law known as Elder Law, including Medicaid Planning, Long Term Care Planning, Asset Protection and related Nursing Home issues. Mike offers his Elder Law clients a variety of strategies including asset protection trusts, annuity planning, promissory notes and other devices to preserve clients’ assets. This was great conversation that everyone can get some great information from. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Welcome back Wine and Dime Listeners! In this episode we are tackling two subjects, but in a lot of ways they are related, or can be related. First, we are talking about Credit Scores. We are informing what goes into how they are calculated/scored and ways to help you increase your credit scores. Second, we are talking about Student Loans. Our goal in this episode is to talk about the types of student loans and some of the programs that are available to you. In the links below we supply you with some check lists to help you out with your student loans. Feel free to download and use them! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Student Loan Income Driven SummeryWhat Issues Should I Consider When Paying Off My Student Loans?
Hello Wine and Dime listeners. On this weeks episode, we step away from the monthly topic about debt, and talk about another hot topic, Burnout. Kate Lee from Brimstone Consulting Group stops by to help us discuss this topic. Kate is the Managing Director at Brimstone and has worked all around the globe and with fortune 500 companies. It's this experience that led me to talk to her about the topic of Burnout. During the past 6-8 months we've been hearing a lot about this topic and felt it was important to talk about it. So, what is burnout? Burnout is a state of emotional, physical, and mental exhaustion caused by excessive and prolonged stress. It occurs when you feel overwhelmed, emotionally drained, and unable to meet constant demands. With all the stress that Covid-19 brought on, and the new challenges that had to be overcome, burnout has become a more and more prevalent issue with companies asking employees to return to the office. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Welcome to the month of July Wine and Dime Listeners! This month we will be turning our attention to that dreaded debt. But we're here to help with some tips to help you get that debt under control. We will providing some resources in these show notes, so be sure to check those out. We really think there are some strategies in here that can really help you pay down that debt Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.rootedpg.com/podcasts/2021/7/7/to-be-debt-free
We have been looking forward to this one Wine and Dime listeners! In this episode I invite Dr. Katherine Larson onto the show. Katherine is Curator of Ancient Glass at the Corning Museum of Glass. She joins us to talk about her Special Exhibit that Explores the Ways Wine and Glass Have Been Deeply Entwined for Centuries, Around the World and in the Finger Lakes Wine Country. You know we had to invite her on to talk about the exhibit, wine, wine glasses and the museum. You don't want to miss this one. Learn about the exhibit and make sure you go and visit the museum to see it in person! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
We continue to talk about retirement on this weeks Wine and Dime. As the title suggests, we are offering strategies to retire for less. There are a lot of different things that you can do retire for less, and we are here to help. We think this is a great episode to get you thinking about these sort of things. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://tj-meehan-rs4z.squarespace.com/s/Retire-for-Less-MS-1.pdf (MONEY SPROUT - RETIRE FOR LESS) https://www.fingerlakeswinecountry.com/wine-food/wine-trails/ (Finger Lakes Wine Trails)Finger Lakes Wine Country is home to three distinct wine trails, each offering exciting wine and food pairing events throughout the year. The events range in theme from chocolate, cheese, herb, barbeque, harvest and holiday. All are fun, unique and affordable. Some events offer souvenir glasses, herb plants and holiday ornaments. Best of all? When you purchase a wine trail event ticket, unless otherwise specified, it is for use the entire event weekend. Additionally, all three wine trails individually offer passport programs for tasting discounts and such. https://www.fingerlakeswinecountry.com/wine-food/wine-trails/cayuga-lake-wine-trail/ (Cayuga Lake Wine Trail) https://www.fingerlakeswinecountry.com/wine-food/wine-trails/keuka-lake-wine-trail/ (Keuka Lake Wine Trail) https://www.fingerlakeswinecountry.com/wine-food/wine-trails/seneca-lake-wine-trail/ (Seneca Lake Wine Trail)
Welcome back Wine and Dime Listeners! This month, we are going to be talking a little bit about retirement. In this episode we will focus on Generation X and their concerns about retirement. We offer some strategies that they, or anyone can utilize to help reach their retirement goals. As a Generation Xer myself, I can relate to some of the concerns that we are hearing out there, and I don't think you want to miss this one! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
In this episode of Wine and Dime we go back to mailbag to answer a couple of questions that came in recently. With the hype around cryptocurrency, we got a couple questions about whether we invest in them, and if we advise to invest in them. I give my opinion on the issue and offer some advise, should you choose to get into one of the many crypto's out there. Also, we talk about what medical costs in retirement look like. I talk about what it looks like in your retirement plans and how it fits into your financial plan! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
In this episode of Wine and Dime, I get the opportunity to chat with Jenifer Cannon. Jenifer is the Vice President, Business Development at Impax Asset Management. She is also a leader and champion of gender equality. Although she is still a champion of gender equality, this time around we chat about matching your spending with your income. She takes the lead in this and does a really nice presentation. Check out the video that we put out last week if you’d like to follow along! So sit on back and enjoy this episode of Wine and Dime. Thank you for listening to the podcast and be sure to rate, subscribe, like and share! If you have any questions that you want answered in the show, don't hesitate to email us at info@rootedpg.com
Wine and Dime podcast is back to talk about personal protection. More specifically, disability. We are going to walk you through various things to be thinking about when you have a disability happen. Be sure to check out the show notes on the website to have access to the worksheets that are mentioned in the show. This weeks featured wine is a Finger Lakes wine from https://dlwinery.com/ (Domaine LeSeurre Winery), and they have a wonderful Cabernet Franc Barrel Select that we just love here at the show. We think you would enjoy it as much as we do! Thank you for listening to the podcast and be sure to rate, subscribe, like and share! If you have any questions that you want answered in the show, don't hesitate to email us at info@rootedpg.com
Welcome back Wine and Dime listeners. We had so many questions about investing that we just had to make a part 2. Here are the questions that you have been asking the most 1. What is the best place/way to save when you are young? 2. Are there any tools for investing in general? - https://www.finra.org/investors/learn-to-invest 3. How can one grow economic growth without being able to save out of each paycheck? 4. How much money is the average for retirement? 5. What benefits can you utilize from working from home? 6. What can I be doing beyond my 401k? 7. How to best approach buying a home? 8. Any tips on how to recover/compensate from growing up in a low income spectrum? Be sure to keep the questions coming, and if you have a question that you would like answered on the show let us know at info@rootedpg.com. We look forward to hearing from you! Don't forget to rate, subscribe, like and share! We would certainly appreciate it! So pop open a bottle of your favorite beverage and enjoy the show!
In this episode of Wine and Dime I sit down with Andrea Bullard. Results-driven entrepreneurs love working with Andrea Bullard, describing her as dynamic, energetic, driven, and captivating. Her ‘Play to Win’ attitude, sharp business sense, and dynamic coaching methods have allowed many of her clients to catapult to multiple 6 and 7 figure business success … while gaining more time freedom and personal enjoyment of their life in the process. ANDREA’S PASSION Andrea’s passion for coaching began when she played Division I Volleyball at the University of Wisconsin-Madison. She went on to earn a Bachelor and a Master of Science Degree from the UW-Madison, all the while closely studying Olympic coaches, their methods, and most of all… the inner workings of the champion’s mindset. In this episode we explore Andrea's path to becoming a professional coach and some of her techniques and drive for helping people succeed! If you like what you heard here and want to contact Andrea visit her website at https://andreabullard.com/ (Coaches | Financial Advisors | Andrea Bullard & Company)
In this episode of Wine and Dime we will be reaching into the mailbag to answer your questions about Investing! These were some questions that we've been hearing and since this month has been all about investing, we figured we'd take this opportunity to answer them. If you have any questions that you would like answered on the show, don't hesitate to contact us. We would love to hear from you!
Welcome to this edition of Wine and Dime with Amy Irvine! Today's guest is Joanne Williams and I think you're gonna love the conversation of where about to have! Because if 2020 brought us anything, it was certainly anxiety. Joanne is a 30 year Veteran Mental Health Professional and has a podcast called "Anxiety Simplified". It is a podcast that "is here to help offer a Self Help Podcast for Simplified Anxiety Solutions and other issues including for relationships depression, Post Traumatic Stress Disorder PTSD, and other life pitfalls." So pop open a bottle of your favorite beverage and enjoy the show! We think you will find this episode very helpful and informative. Don't forget to Like, Rate, and subscribe to the show, and while you're at it, be sure to check out Joanne's Podcast as well.
Welcome to this edition of Wine and Dime with Amy Irvine. Once again, this month, we are talking about investment terminology. That's the journey that we're taking, to help keep you up to speed on investments strategies that may contribute to your financial plan. So pop open a bottle of your favorite beverage and enjoy the show. And don't forget to like, rate, subscribe and share!
Welcome to this edition of Wine and Dime with Amy Irvine. Today, we're not actually having a guest speaker, but we are discussing a topic that has been brought up by some of the listeners. And that is, "what's the difference between active and passive income?" But before we get into that, we're going to talk about the topic of the month, which is investment. This month, we're going to dive pretty deeply into, various topics around investing for now, and for lack of a better term, your future. This is the area that people think that financial planning is actually made or not made and in our opinion, investments are a tool that help you reach your goals. So sit on back, pop open your favorite beverage and enjoy the show. And don't forget to like, rate, and subscribe!
In this episode I welcome back a person who actually likes taxes more that me, Kate Welker! As the title suggests we will be discussing the latest stimulus bill and many of the nuances that are in it. You do not want to miss this! View the entire show notes here https://www.rootedpg.com/podcasts/2021/3/23/amy-and-kate-jam-about-the-stimulus
Welcome back to another Wine and Dime podcast. This week we will continue to talk about taxes. More specifically, as the title suggests, tax strategies by goal. This is a discussion that is about using taxes to pay for some of the goals that you are setting for yourselves. We do have an attachment in the show notes that can help you navigate some of the things that I discuss in this episode. So pop open a bottle of your favorite beverage and enjoy these tax strategies!
Hey Wine and Dime Listeners! It's tax time, and maybe, like me, it's time to go pour a Port and sip away while we work through all this. I know this isn't the greatest topic for some, but, I've come prepared with some jokes to help lighten the mood. Now we all know there are two certainties in life, death and taxes, and we would love to avoid them both! But if we have to pay taxes, we don't want to pay a penny more than we have to, and that is the gist of what we'll be talking about in this episode! So grab your favorite beverage and enjoy the show. And while you're here, don't forget to Rate, Like, Subscribe, and Share!
Welcome back to another episode of Wine and Dime! In this episode I chat with Steve Juetten. And if you recognize the last name, it’s because I’ve had his wife Nancy on a few times. Steve is a fellow financial planner who has who likes to use life experiences to relate to financial planning. Amy can bring anything back to a vineyard, and Steve can bring financial lessons from movies, TV shows, and pop culture. This was a very fun episode and I think you can learn a lot from this episode! Full Show Notes Available - https://www.rootedpg.com/podcasts/2021/3/2/financial-lessons-we-can-learn-by-watching-movies-with-steve-juetten
Every week it's my goal to share a story of someone's journey through their life and financial vineyard. We take you from their roots, to the journey of their vines, and the influences in the air that have helped craft their delicious lives. Like wine, life and finances have different pellets that should be celebrated and not judged. Welcome to this edition of Wine and Dime with Amy Irvine. If you are somebody who has considered starting your own business, or if you are a business owner that would like to go to the next level and you need somebody to help you with those financial projections, financial forecasting, and to serve as a CFO, you need to listen to this podcast! 100 Degrees Consulting is an outstanding women owned company. And when you listen to Stephanie Skryzowski story, there is no doubt that she has made some incredible decision in her life that allow her the flexibility to be a mom, a business owner, and to make good money We hope you enjoy the show! So sit back, grab your favorite beverage and sip away! https://www.rootedpg.com/podcasts/2021/2/18/100-degrees-of-stephanie-skryzowski
Welcome back Wine and Dime listeners. I'm sure you guessed it already, but this episode is all about assets. We cover a few different types of assets and how they work and fit into your financial wellbeing. We're hoping you learned something new in this episode and can use this while assessing your financial situations in the future. If you know anyone who could use the information in this episode, please do share! Thank you for listening and look forward to seeing you back in the next episode!!
Although we are a full month into 2021, I’ve heard so many people say, “it feels like an extension of 2020.” I’ve joked that 2020 was the year of Flip Flops, Crocs, and Slippers (the number of times I put on dress shoes could be counted on one hand), and it does seem that this trend is continuing thus far. What does this have to do with finance? Well nothing actually, but it seemed like a distracting lead into talking about comparing year-over-year net worth and important financial ratios. Whenever I write or talk to people about their increasing net worth, I always think about when I was in college, and I belonged to an accounting club (yes, I was a little geeky). We were doing some fundraising and the sweatshirts we were selling had the name of the accounting club on the front and the tagline, “Up Your Assets.” For an 18-year-old, that was so cheeky! Well, here we are 31 years later and I’m being a little cheeky again. I just thought it was so fitting for the theme of this month, which is to understand your net worth and important financial ratios. Be sure to subscribe and rate the show, and if you know someone who will get something out of this episode, please share. Thank you for being a loyal listener!
Welcome to another episode of Wine and Dime. In this episode we welcome to the show Jonathan Sparling! The topic this week is how to utilize Private College 529 Plans to actually Prepay for your college tuition and lock in a cost regardless of tuition increases that may occur! We talk about Jonathan’s journey from a financial aid office to his current roll with Private College 529, and how the experiences have made him an expert on helping students and parents figure out the right college planning solution for them. This is a very informative episode that I’m sure you will enjoy. So pop open a bottle of Layer Cake Malbec, sit back, and enjoy the show! And as always, if you enjoyed this episode, be sure to rate, subscribe and share with others! Thank you!
In this episode of Wine and Dime we welcome back to the show Nancy Juetten. If you recall, Nancy is the Author of a book called “Bye-Bye Boring Bio”. Well, this book got an update. Its still a book that “shows solopreneurs -- coaches, consultants, authors, speakers and content experts -- how to transform boring bios from wallpaper to wow to attract clients, speaking gigs, and media interviews.” Nancy shares with us what she has learned since initially writing the book, and what she has done to update it. I just couldn’t wait to invite her back so that she could share this great book with all of you listeners out there. Check below for information on where you can pick up a copy! If you liked this episode be sure to like, subscribe and share. https://www.onehopewine.com/ (Nancy Juetten)Nancy Juetten guides families to organize their personal financial information and crucial documents before something random or crazy can stop them. The co-creator of the Life Goes On Roadmap® system for personal financial information organization, Nancy is on a mission to touch and transform a million lives by guiding them to take one of 16 essential road stops, one 20 minute segment at a time. This brings power, access and control when the moments matter the most and makes dealing with a bump in the road just a little bit softer for all. Nancy writes a column for the popular https://sixtyandme.com/how-to-get-your-act-together-before-something-random-or-crazy-can-stop-you/ (Sixty and Me blog site) that serves 500,000 women aged 60 and better. Her system is sold individually to homeowners, downsizers, and families across the country from http://www.lifegoesonroadmapnow.com/ (the website), and professional service providers can license and co-brand the system to share with their most valuable clients. She has addressed appreciative audiences at the Garrett Planning Network Annual Retreat, virtual women’s groups, and podcasts such as the Legacy Cafe Podcast, the Conscious Caregiver, and now – Wine and Dime. Before starting Life Goes On Roadmap in 2018, Nancy launched and grew a successful business coaching practice to guide experts, authors, and speakers to http://www.getknowngetpaid.com/ (get known and get paid) for their expert status by getting ready for opportunity first. In 2009, she wrote the popular https://www.amazon.com/Bye-Bye-Boring-Bio-Updated-Expanded/dp/0615409202 (Bye-Bye Boring Bio Workbook) that is still a go-to source to guide users to transform their boring bios from wallpaper to wow to attract clients now. When life hit the fan for her – with a home burglary, a move to a new city, her mom’s diagnosis with dementia, and her husband suffering a mini-stroke in the middle of the night -- Nancy’s preparation for real life paid off with less drama, trauma, and chaos in the clutch moments. With Life Goes On Roadmap®, she guides her clients to welcome those priceless benefits that are more relevant than ever in the era of the COVID 19 Pandemic. Nancy is quick to say that keeping your head in the sand is a dis-empowering place to stand. The best time to get your act together is right now. https://www.lifegoesonroadmap.com/ (https://www.lifegoesonroadmap.com) https://authenticvisibility.com/testdrive/ (https://authenticvisibility.com/testdrive/) Instagram: https://www.instagram.com/nancyjuetten/ (https://www.instagram.com/nancyjuetten/) Twitter: https://twitter.com/lifegoesonRM (https://twitter.com/lifegoesonRM) LinkedIn: https://www.linkedin.com/in/nancy-juetten/ (https://www.linkedin.com/in/nancy-juetten/) Click the image to purchase your copy today! Bye-Bye Boring Bio 2020 WorkbookThe Bye-Bye Boring Bio 2020 Workbook guides speakers, experts, and authors up to big things to attract connections, clients, and cash in today's VIRTUAL world in which podcast guesting, Zoominars, and other virtual ways of showing up are more the norm than the exception. The WORKBOOK includes access to 11...
In this episode of Wine and Dime we welcome back our very own Rooted Planning Group Financial Planner Kerrie Beene. Kerrie is back to help us continue the theme of January of “Getting Organized”. Kerrie is a bit of an expert on spending plans, so, she is the perfect guest to have on this weeks episode. She shares her insights on her own spending plans, and what it takes to build one for your family. Don’t forget to rate and subscribe and thank you for listening!!
KERRIE BEENE - CFP®FINANCIAL PLANNERA little bit about Kerrie Beene, CFP®… My own personal financial journey has taught me that while they’re important, life is more than numbers. Finding joy in the journey towards personal goals is key. A smart plan with a lot of heart goes a long way to keeping daily financial decisions in line with your long term goals. I graduated from Southeastern Oklahoma State University with a degree in Business Administration and hold a certificate in Financial Planning from Wake Forest University. I began my career in financial planning by starting my own company, Beene Financial Planning. Having the desire to work as a team, I then joined Irvine Wealth Planning Strategies. My roots in Southeast Oklahoma have given me great insight on the need for financial planning that is not just investment focused, but also focused on all the other financial planning decisions. I enjoy, and work best, with those who are ready to take control of their finances and use their money to fulfill their goals and dreams. In November of 2016 I sat for the CERTIFIED FINANCIAL PLANNER™ designation, and in May of 2019 successfully completed my experience requirements. I am now the Director of Educational Services for Rooted Planning Group. What does that mean? In addition to working as a co-planner, I also focus on: College Pre-Planning: Late stage (Freshman - Senior) college planning, seeking scholarships, estimating expected family contribution, assistance with FAFSA and asset utilization. Funding of education vehicles (i.e. 529 plans) and utilization recommendations. We have set the price for this service at $1,000. College Graduate Planning: This is for the new graduate. We sit down with them to discuss budgeting, how to negotiate salary, understand employee benefits and education benefits, review of student loans and other debt, savings opportunities and large purchase planning. We have set the price for this service at $299.
We also want to continue developing the employer education services, as well as getting financial education into the schools.
Grenache (Garnacha) WineGrenache (Garnacha) is a red-wine grape grown extensively in France, Spain, Australia and the United States. It is particularly versatile both in the vineyard and the winery, which may explain why it is one of the most widely distributed grapes in the world. Grenache is the French (and most internationally recognized) name for the grape, but it has a number of synonyms. In Spain, where it is one of the country's flagship varieties, it is known as Garnacha, and on the island of Sardinia it has been known for centuries as Cannonau. Some believe that the grape originated in Sardinia, and was taken back to Spain by the Aragonese, who occupied the island in the 14th Century. Gnarly old Barossa Grenache vines ©Turkey Flat Vineyards In France, Grenache is most widely planted in the southern Rhone Valley and throughout both Provence and Languedoc-Roussillon. It is most commonly found alongside Syrah and Mourvedre in the classic Southern Rhone Blend (notably in Cotes du Rhone wines), and is the main grape variety in Chateauneuf-du-Pape. Grenache's versatility provides winemakers with all sorts of possibilities. Grenache-based rosé is one of southern France's signature wine styles. The variety is common...
Happy New Years Wine and Dime listeners! In this first episode of 2021, we will be talking about the latest stimulus package and what it may mean for you, your businesses, and your finances. We also talk about getting organized in the new year, whether it be for your taxes, your finances or just in general, we explore some tactics that you can use. Thank you for your continued listenership and we look forward to hearing from you in the new year! View the entire show notes here - https://www.rootedpg.com/podcasts/2021/1/7/stimulus-and-getting-organized
Welcome to this edition of Wine & Dime! Today's guest is Jennifer Love. When we talk about exploring people from their roots to the celebration of their lives and all the vines in between, Jennifer has an amazing story. When you listen to her, you understand why she's so good at what she does. Jennifer and I talk about an exciting announcement! We're very excited that Rooted Planning Group will be able to offer a resident money therapy program. Jennifer will run that program and we will certainly be sending out some information for the people that want to attend. Jennifer is an award winning, five-time career entrepreneur. She is amazing and is somebody who not only want to help other people, but has worked on her own issues in life as well. So she's currently the visionary CEO of Living Wealthy Institute, which is helping world leaders develop a healthy relationship with wealth, free from overwhelm and anxiety. I think you are really going to enjoy this conversation, so grab your favorite beverage and let us know what you think of the show Don’t forget to subscribe to get the episode as soon as it goes live every week! Have a wonderful holiday season, and we hope that 2021 brings you a wonderful year.
ABOUT https://jenniferlove.com/about/ (JENNIFER LOVE)Instagram: https://www.instagram.com/thejenniferlove/ (@theJenniferLove) Facebook: https://www.facebook.com/TheJenniferLove/ (/TheJenniferLove) LinkedIn: https://www.linkedin.com/in/thejenniferlove/ (/in/TheJenniferLove) CEO. Entrepreneur. Advisor. Speaker. Contributing Writer. Jennifer Love is the CEO of One More Woman – a fast-track, high-performance educational and advisory community helping women entrepreneurs take the stress out of the money equation so they can effectively raise, make, manage, and give money. She is a nationally-acclaimed mentor, international business strategist, speaker, and successful thought leader who has guided thousands of entrepreneurs to position their businesses for long-term, sustainable growth.
A SERIAL ENTREPRENEUR…Jennifer combines 17+ years’ experience building and working with consumer packaged goods (CPG) and tech companies. Collectively, she has raised, participated in, or advised in the raising of over $100M+. Under Jennifer’s leadership as a co-founder and former CEO, NibMor went from a kitchen concept to an award-winning wholesale chocolate company, with its products distributed in thousands of locations within five years. NibMor’s impressive growth has been acknowledged by the press many times over including media like the, The Wall Street Journal. Jennifer’s ‘Sweet Success’ was featured on the cover of Small Business Digest in July 2014. In 2015, Jennifer helped one of the brands she advises get funded on Shark Tank, successfully closing out a $1.1M funding round.
ON STAGE…Jennifer is a motivating force with an uncanny ability to simplify complicated concepts with her own unique brand of pizazz and sense of humor. Audiences walk away empowered with a newfound enthusiasm and willingness to go beyond what they had ever thought possible. She is beloved by clients because she gets results. As one client once said, “With Jennifer, the only possible outcome is success.”
OFF STAGE…On a given day, Jennifer may be found serving as a judge for events like Startup Weekend, on stage speaking to a variety of audiences, advising and educating communities of entrepreneurs on and off-line, advising a client behind the scenes of Biz Fix with Marcus Lemonis, meeting with community leaders and government officials, negotiating with investors, or training entrepreneurs on both mindset and tactical skills. Jennifer is a contributing writer for the Huffington Post focusing on entrepreneurship, fundraising, and gender disparity in the investment community. She holds a Master’s in Organizational Behavior, a Bachelor’s in Psychology, and is a Certified Health Coach. An eternal...
Welcome back Wine and Dime listeners! As 2020 is coming to an end and we are all looking forward to 2021, it probably time to start planning for year end taxes. In this episode of Wine and Dime I will be discussing just that... Tax Planning. I know its not the most glamorous subject, but it's important to be thinking about these these things, knowing your deadlines and what opportunities are out there to take advantage of. So join me with a glass of your favorite beverage and lets get down to business! And be sure to check out the Money Minute links below for the documents that I discussed! Thank you for listening and be sure to rate and subscribe to get all the latest Wine and Dime information! Full show notes: https://www.rootedpg.com/podcasts/2020/12/10/year-end-tax-planning-strategies
Tis the season Wine and Dime Listeners! In this episode the podcast, I go over some unique and potentially money saving ideas for the gift giving season. I think you will enjoy some of the ideas that we have picked up over the years and some of the things that we do ourselves. We hope you enjoy this episode. Don’t forget to rate and subscribe, and thank you for listening!
In this episode of Wine and Dime I welcome to the show three very special financial planners. https://flowfp.com/about/ (Meg Bartelt), https://www.financialstaples.com/who-we-are/ (Chloe Moore), and https://deanefinancial.com/about/ (Samuel Deane) are all financial planners that specialize in stock options. “A stock option gives an investor the right, but not the obligation, to buy or sell a stock at an agreed upon price and date. There are two types of options: puts, which is a bet that a stock will fall, or calls, which is a bet that a stock will rise.” Sounds simple enough, right? But they are much more complicated than that! And these three guests are experts on this topic, and go through some of the things to think about while thinking about these investments. Sit on back, grab your favorite beverage and enjoy the company, the wine, and the conversation!
Welcome to this edition of Wine & Dime with Amy Irvine. If you are a busy, hard-working, type A personality, then this podcast is for you. We welcome Sarah Song onto the show. It is just such a pleasure and to hear her journey and how she took herself out of that crazy corporate environment and started working on her own well-being through aromatherapy. You're gonna love this story and more. We are so excited to have Sarah on the show and we think you're gonna be so excited to hear some of the information about how aromatherapy can actually help with stress and well-being. So sit on back, grab your favorite beverage and enjoy the show. Sarah Songhttps://www.loveyourlimbic.com/ (LOVE YOUR LIMBIC)https://www.facebook.com/loveyourlimbic/?modal=admin_todo_tour (FACEBOOK)https://www.instagram.com/loveyourlimbic/ (INSTAGRAM)MEET SARAHSarah Song is a certified aromatherapist, neuroscience enthusiast, and advocate for workplace well-being based in Los Angeles, California. She founded Love Your Limbic in 2018 to bring her passion for the beauty and biology of self-care to a platform to help people with stress management. Having worked within fast-paced corporate environments in the beauty industry while juggling the ups and downs of everyday life, she struggled with burnout on more than one occasion. She came to value the importance of building a toolbox of self-care practices that could be used in and out of the workplace. Sarah’s personal journey led her here, to create Love Your Limbic to connect with a community of people who are also on the path to well-being. Sarah is super passionate about the art and science of how we thrive, starting with understanding emotional balance. Always curious and forever learning, Sarah studies the research on a variety of topics within neuroscience, well-being, aromatherapy, and productivity. She empowers her clients to find their own recipe for balance by sharing a diversity of information and practical tools that anyone can use.
In this episode of Wine and Dime, we welcome the show Justin Krane. Justin is a CFP who owns his own practice, has written a book, and is a fellow podcaster. Justin’s Book and podcast is called Money. “You Got This!” In both formats he really does offer simple money strategies, that can help anyone out. Be sure to tune and find out about this exceptional financial planner! https://www.rootedpg.com/podcasts
In this episode of Wine and Dime we are again talking about Estate Planning! Specifically we are talking about avoiding the estate "Bombs" that could potentially occur. I go through some of the documents that you may be looking at when planning with us, or your financial planner. I hope you enjoy the topic and of there is anything that you would like to hear about, reach out! We would love to hear from you. Be sure to rate and subscribe, and remember, "Life is about events, supported by dollars and cents!"
I'm thrilled to have on the show today Brittney Castro. Britney and I recently formed a partnership of sorts, and I'm just excited to share her journey. For those of you that don't know Brittany, she's an amazing woman. Brittany and I met a couple years ago. We've stayed in touch here and there but when she decided that she wanted to change the direction of her career... Yes, financial planners do that too. She and I started talking about ways that we could work together. She's been noted as a final financial expert and “go to” resource for national media outlets like CNN, CNBC, The Wall Street Journal, The New York Times, CBS and many more! Notably, Brittney has recently been elected one of the “40 under 40 in 2020” by Investment News as one of the 22 women to watch! So, please tune in, grab your favorite beverage and enjoy the show! Brittney Castohttps://www.financiallywiseinc.com/ (HTTPS://WWW.FINANCIALLYWISEINC.COM/)https://www.facebook.com/FinanciallyWiseInc (FACEBOOK)https://twitter.com/brittneycastro (TWITTER)https://www.instagram.com/brittneycastro/ (INSTAGRAM)Brittney Castro, CFP®, AAMS®, CRPC® is the founder and CEO of Financially Wise Inc., a Los Angeles-based financial planning and education firm whose mission is to teach individuals and couples the art of managing their finances in a thoughtful and proactive way. Brittney is a Certified Financial Planner™, Chartered Retirement Planning Counselor, Accredited Asset Management Specialist, entrepreneur, highly sought-after speaker, and host. The key to Financially Wise Inc.’s success can be attributed to Brittney’s simple yet highly effective method of approaching finance –in a fun, personalized, compassionate, relatable, and non-judgmental way. Since 2013, Financially Wise, Inc. has offered services ranging from fee-only financial planning, online money courses, and financial wellness workshops to speaking engagements and brand partnerships. Brittney is a noted financial expert and a go-to resource for national media outlets and platforms including CNN, CNBC, The Wall Street Journal, The New York Times, CBS, KTLA, Good Day LA, Fox 11 News, Glamour, Elle, Marie Claire, Darling, Entrepreneur, Woman’s World, Refinery29, Financial Planning, Investment News, Registered Rep magazine, and many more. Brittney was elected one of the 40 under 40 in 2020 by Investment News, as one of the 22 “Women To Watch” by Investment News in 2018 and was ranked 6th on INVESTOPEDIA’s Top Influential Financial Advisors list in 2017. Additionally, Brittney serves as the in-house CFP® for Mint and Turbo as well as the Head of Education for Altruist, both roles where she can continue her efforts of spreading financial literacy to the masses through media interviews, video content, and social media campaigns. She is a CFP® Pro spokeswoman as part of the CFP Board Center for Financial Planning’s campaign to educate minorities about financial planning careers. Away from the office, you can find Brittney meditating, traveling, exploring, and of course, dancing!
THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this Episode of Wine and Dime, I welcome to the show Jim Laughren. Jim is “A writer, a thinker, a drinker, an author, an educator, a guy who’d like to share a glass of good wine with you…” Jim joins me as we talk about his writing, his book, life and wine! If you are a wine lover, like me, this is the episode for you! Jim Laughrenhttps://www.facebook.com/Author-Jim-Laughren-393068804559096/ (FACEBOOK)https://www.instagram.com/thewinewriter/ (INSTAGRAM)Jim Laughren loves wine. And has for a very long time. He is a former importer and distributor of fine wines from around the world. He is also a Certified Wine Educator who has both taken and taught dozens of classes and seminars dealing with various aspects of wine and spirits. But it’s sharing—with you!—that means the most to him. And it’s writing that allows him to share his knowledge, experience, and passion with all the people he’d love to meet but probably won’t have the chance to. He has little use for the snobbery and condescension that have, somehow, become part of the world of wine. “Wine is a joy, a gift of the gods, bounty of the earth, and should be shared and celebrated. Whether someone is brand new to the wine scene or has many years of vinous pleasure at his or her back makes no difference. “Wine, to me, is part of the human story. From Mesopotamia to the ancient lands of Egypt, Israel, Persia, Greece, or Rome, wine has been drunk and shared and influenced cultures and lives in ways we can only imagine.” Known for his irreverent, fun-loving approach and abiding enthusiasm, his writings, whether in the pages of “A Beer Drinker’s Guide To Knowing & Enjoying Fine Wine,” “50 Ways to Love Wine More,” or the coming series of “Everything You Need to Know About Wine in 15 Minutes” is targeted squarely at the wine enthusiast with an open heart and curious mind.
https://www.amazon.com/Ways-Love-Wine-More-Appreciation/dp/0985533633/ (50 Ways to Love Wine More: Adventures in Wine Appreciation)Wine appreciation as it was meant to be. No textbook necessary, just open arms and a mind and palate ready to explore. 50 Ways to Love Wine More is about discovering wine on your terms, at your pace, with your friends and fellow wine lovers. Let your ideas and desires intersect with the wonder of wine to enhance and expand your wine knowledge and appreciation.
Author Jim Laughren, a certified wine educator--and certifiable oenophile--shares the insights and lessons learned from 20+ years as a wine importer, distributor, collector, consultant and confirmed aficionado. He reaffirms what is important about wine and our relationship to it. With this foundation to build on, the details, the history, the geography, the art, and the science of wine are easy to assemble and appreciate. While 50 Ways to Love Wine More is brimming with facts and "vintellect" on a wide variety of wine-focused topics, what you'll learn most is how to let wine wrap you in its embrace, whisper its secrets in your ear, and welcome you to its confederacy of aficionados.
https://www.amazon.com/Beer-Drinkers-Guide-Knowing-Enjoying/dp/0985533617 (A Beer Drinker's Guide to Knowing and Enjoying Fine Wine)Time to expand your horizons, impress some clients, or introduce your better half to that new wine bar down the street? Then here's the ideal wine guide. A Beer Drinker's Guide to Knowing and Enjoying Fine Wine is a friendly, arm-around-the-shoulder wine primer that educates and enlightens from a beer drinker's point of view. No geeky disquisition or convoluted wine writing, just a witty, easy-going explanation of wine styles and varietals, wine tasting and scoring, the major world-wide wine regions and inside tips for buying or selecting the perfect bottle. Infused with nuggets of beer lore, the keys to understanding "winespeak," and much more. All in all, a fun, enjoyable and surprisingly informative take on the wonderful...
Welcome to this addition of Wine and Dime where Amy talks with Randy Ullom. How does a native of Ann Arbor, Michigan who is extremely passionate about skiing become a winemaster at Kendall-Jackson? It certainly wasn't a straight and narrow path, in fact it spanned several countries! Join us for this edition where we literally dive into the path of Randy's vineyard formation. You can follow Randy on twitter (https://twitter.com/KJWines (@kjwines)), as well as the Kendall-Jackson winery.
https://www.kj.com/wine/grand-reserve/chardonnay (Kendall-Jackson)https://www.kj.com/wine/grand-reserve/chardonnay (Grand Reserve)https://www.kj.com/wine/grand-reserve/chardonnay (SANTA BARBARA COUNTY)https://www.kj.com/wine/grand-reserve/chardonnay (CHARDONNAY2018)Lush tropical fruit, lemon, lime and floral notes intertwines with nice minerality from the calciferous soils in the Santa Maria and Los Alamos Valleys. There is a touch of floral notes from the small amounts of Dijon and Rued clones, and a hint of vanilla and spice to round out the rich, long finish. THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
On this episode of Wine and Dime, we welcome to the show Emily Graham. Emily is just one of those people that grabbed my heart. She is a hospice medical social worker and as you'll hear about her story, it was a mission for her to take on this role. Now she's starting to teach others how to be more aware of what is going on in their lives. Stay tuned for the end when she mentions her task that she thinks is most meaningful to people. We hope you enjoy this show. I'm back on your favorite beverage and enjoy. If you want to learn a little more about Emily, you can check out her https://www.linkedin.com/in/emily-graham-3102274/ (LinkedIn)
Welcome Wine and Dime Listeners! In this episode I welcome back to the show fellow podcaster and financial planner, Paul Benson. If you recall, Paul has a podcast called https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Financial Autonomy), that focuses on financial strategies to give you choice. Be sure to subscribe right after you listen to the episode! Paul is back to talk about his new book called, you guessed it, Financial Autonomy. And for a lucky listener a copy can be yours, just listen to the episode for details. But for now, grab your favorite beverage, sit on back and enjoy the show!
https://financialautonomy.com.au/ (Paul Benson)HI, I’M PAULI help people like you gain choice in life through our proven Financial Autonomy framework. My focus is on providing helpful and actionable information and advice so you can set effective goals, optimise your cash flow, develop an investment strategy, and stretch your entrepreneurial wings.I’m directly involved in the management of approximately $90million for my clients . I contribute articles to the likes of the Sydney Morning Herald, The Age, Entrepreneur.com, and have appeared on ABC Radio National’s Life Matters program.
https://www.amazon.com/Financial-Autonomy-Paul-Benson-ebook/dp/B08DBZVKN6/ref=sr_1_3?dchild=1&keywords=Financial%20Autonomy&qid=1599773681&sr=8-3 (Financial Autonomy)Financial Autonomy, by Melbourne financial planning expert Paul Benson is about money. But, unlike most money books, it's not focused on making you the richest person in your street, or worse, the richest person in the cemetery. Instead, the focus of this book is on gaining choice. Have you ever listened to a guest on a radio program or a speaker at an event talking about some amazing experience they've had? Perhaps it was travelling through Tibet in a beaten-up Land Rover, sailing around the world, jumping out of planes in a wing suit, or starting a business or charity of their own, driven by a magnitude 10 passion to make an impact. When you listened to these inspiring stories, did you ever wonder how they managed to organize their life so that it was possible? Do you wish you could organize your life to do what's important to you? Financial Autonomy is a book about money but it's equally about gaining choice. If you get the money side of your life right, you will have the choice to pursue maximum happiness in all the other aspects of your life. Personal finance expert Paul Benson believes there are three vehicles to create enough wealth to have the choices you desire are: (1) Investing in shares; (2) Investing in property; and (3) Working for yourself (starting a side hustle or small business). He explores these in detail, as well budgeting and saving - and as you'd expect, he gives readers a choice of strategies they can adopt to succeed in these areas.
https://www.jamessquire.com.au/craft-beer/broken-shackles-lager/ (BROKEN SHACKLES LAGER)A CRISP LAGER THAT EXHIBITS A BALANCE OF HOP NOTES WITH AN UNCOMPLICATED, CLEAN FINISHTASTING NOTESA crisp lager that exhibits a balance of subtle herbaceous hop notes with a refreshingly uncomplicated clean finish. Brewed using pale and munich malts combined with noble Hallertau Mittelfruh hops, this brew is a quality quencher. THE STORYJames Squire fought his way to freedom, taking plenty of risks and finally breaking the shackles of his seven year sentence to set up Australia’s first brewery.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime Listeners! In this episode we are talking about your career and employee benefits. I know that we’ve kinda covered this topic before, but a lot has changed in that last several months, and now is great time to make sure that we are still on track! So sit on back, grab your favorite beverage and don’t forget… “Life is about events, supported by your dollars and cents.”
In this episode of Wine and Dime, we want to welcome Isabel Restrepo. Isabel was originally from Columbia, South America moved to Minnesota, and ended up in Los Angeles Her journey has been a windy road that has led her to what is called an energy healer. Isabel launched her new business and is now building that business on helping others recover from a loss of energy. Have you ever felt just worn out and can't figure out what's going on with you? Well, that's Isabel's super power, as I call it. She really likes to work with people who just feel drained, and need help regaining that energy! We hope that you enjoy this episode. I think you're gonna find some amazing tidbits in it. So grab your favorite beverage, sit on back and sip away. For full show notes visit http://bit.ly/WaDe0129 (http://bit.ly/WaDe0129)
Each week I open the podcast reminding people that "Like wine, life and finances have different palettes that should be celebrated and not judged." When you listen to this week's podcast, it's hard to envision any sort of "celebration" when it comes to financial infidelity, but this week's guest is on a mission to celebrate her recovery and help educate others along the way. We refer to this guest as simply "Kelly" to protect her and her family. This show was not easy for "Kelly," as you will hear. She explains that financial infidelity is often subtle, it lurks in the background, UNTIL it doesn't. Can you imagine, life is going along great, you've just had a child and are on maternity leave, then you get a knock on the door and you are served one day out of the blue? Then over the course the next few weeks finding out that your identity has been "stolen" and you have over $100,000 of debt in your name that you didn't know about? Now add to that, the "theft" was your spouse. "Kelly" reflects back on the signs leading up to the knock on the door and provides some valuable lessons for all of us to follow. Don't miss this survivor's journey, recovery, and preservane. If you suspect that you might be a victim of identity theft or financial infidelity, it is critical that you move quickly. If you haven't already, we would recommend that you pull your free credit report from http://www.annualcreditreport.com/ (www.annualcreditreport.com). You can pull one free credit report from each of the agencies each year. The Federal Trade Commission Consumer Information has some great resources for you to explore as well on reporting identity theft and creating a recovery plan: https://www.consumer.ftc.gov/features/feature-0014-identity-theft (https://www.consumer.ftc.gov/features/feature-0014-identity-theft) We know this episode is emotionally packed, but we are so thankful for "Kelly's" willingness to share her journey, in order to hopefully help others.
Welcome to another episode of Wine and Dime! This week, we welcome back our local LCSW, Janice Vitale! And speaking of welcoming back, we are talking about the schools getting ready to welcome back students, and the stresses that can go along with that. Under normal circumstances, back to school can be stressful enough, but throw Covid into the mix and things can be much worse. This episode deals with some of the stress you may be dealing with and exploring different way for you or the student in your life to cope with it. We even throw in a spending plan to think about as well. Thanks again for listening, and don't forget to rate and subscribe to show wherever you get your podcasts!
Welcome back Wine and Dime Listeners! I sure do have a treat for you this week. And I mean that literally. This weeks guest is the owner of Mudpies, Susan Bartone. Mudpies specializes in creating custom treats just for you. Everything they make is custom made just for you! During the episode we talk about having a business during a pandemic can be stressful, and how she had to basically shut down for a period of time. But she persevered and now is back to doing what she loves. I hope you enjoy this episode and if you want to order something from Susan, be sure to check out all the contact information below!
Susan Bartonehttps://www.bakingmudpies.com/ (Mudpies LLC)FACEBOOK - https://www.facebook.com/mudpiesllc/?ref=page_internal (@MUDPIESLLC)INSTAGRAM - https://www.instagram.com/susan_bartone/ (@SUSAN_BARTONE)EMAILGENERAL INQUIRIESMUDPIESLLC@YAHOO.COMCONTACT NUMBER607.329.4460How mudpies began The foundation of MudPies began years ago, before I knew it, creating pies of mud decorated with flowers from our country home. As I grew, my love for creating "mud pies" developed into things we could actually eat! Growing up with a German and Italian background -- utilizing food grown from our garden, local farms and co-ops was important to us. Soon I would bake whatever I could think of in my Holly Hobby oven (thanks mom & dad!).
As years passed I developed a deeper passion for baking, creating, decorating, eating unique things, and running! The idea of starting a business doing what I loved seemed a bit surreal, but what had I to lose? MudPies LLC began in 2012 by attending local farm markets; it has been quickly growing supplying wholesale to local businesses, and retail to treasured clientele. ~Susan MY MISSIONI BELIEVE THERE SHOULD BE SOMETHING FOR EVERYONE. BE IT DELIGHTFULLY INDULGENT OR DELIGHTFULLY HEALTHY. SUSAN GLADLY WORKS WITH CLIENTS TO ADAPT MUDPIES BAKED GOODS TO SUIT THEIR NEEDS.MudPies represents a little bit of everything. When I established MudPies, I first thought it was going to be a little bit of everything I've collected and created from my family history. As MudPies grew, I had an increasing number of requests from clients to adapt this or that. The common phrase was “I’d love that ‘item’ if it were gluten free, or vegan, or made with coconut flour, or…” I quickly learned that there was something missing in the baking market - and I was on a mission to fill that void! Why? I have a passion for baking and feel that if I'm able to adapt baked products for someone who chooses to or has to follow a certain diet, or to create celebration foods for that special occasion, ease the stress of someone who's a good baker and ran out of time - then my mission is accomplished. I take great pride in what I do and using quality ingredients is very important to me. I will continue to expand utilizing local products when available. MudPies is essential to me not to make money, but to add joy to those around me. I gain much happiness knowing that someone can enjoy something or look forward to a little something special to brighten their day!
https://www.weisvineyards.com/ (Weis Vineyards)
WINEMAKING HISTORYBorn in Zell Mosel, Germany, Winemaker Hans Peter Weis grew up in the vineyards and cellar of his family winery. He spent many years learning and gaining experience in the traditional style of the Mosel. After receiving his degree in winemaking, business and agriculture, he decided to travel to the United States on a quest to pursue his winemaking passion. He experienced one vintage in the Sonoma region of California before he stumbled upon his home away from home in the Finger Lakes region of New York. He found the minerality of the soil and climate similar to that of home and knew it would be the perfect place to pursue his passion of handcrafting...
Welcome back Wine and Dime listeners!! In this episode, I am here to talk to you about creating your spending plan. Scary topic, right? But it doesn’t have to be! I take you through our process of creating a spending plan that hopefully takes all the negative emotions out of it, and may even make it fun. In my book, “Uncork Your Finances”, I walk you through your plan, and even make time for wine! I think this episode is a must listen for anyone who’s been intimidated by creating a spending plan, or a budget. And remember, Life is about events, supported by your dollars and cents!
https://www.amazon.com/Uncork-Your-Finances-Podcast-Interviews-ebook-dp-B07JBWGTNV/dp/B07JBWGTNV/ref=mt_other?_encoding=UTF8&me=&qid= (Uncork Your Finances) Is dealing with finances a little less stressful when you have a glass of wine by your side? This book is an extension of my Wine and Dime podcast and Monday Morning Quarter-Buck Blog - capturing some top tips from the first 27 episodes.
http://dlwinery.com/shop-our-wines/ (2017 Chardonnay Barrel Select)NY - Finger Lakes 100% Chardonnay, 100% Finger Lakes terroir selection sourced from a single vineyard site. Aged 11 months in French oak barrels with weekly stirring of the lees (bâtonnage sur lies). Alcohol 12.00%
Resources From Episodehttps://tj-meehan-rs4z.squarespace.com/wine-and-dime-podcast/2020/7/30/creating-a-spending-plan (SPENDING SPREADSHEET) https://tj-meehan-rs4z.squarespace.com/wine-and-dime-podcast/2020/7/30/creating-a-spending-plan (CASH FLOW & NET WORTH ISSUES) https://tj-meehan-rs4z.squarespace.com/wine-and-dime-podcast/2020/7/30/creating-a-spending-plan (CASH FLOW AND NET WORTH DISCUSSION CHECKLIST)
This episode was presented byAmy IrvineAND IN COLLABORATION WITHhttps://senecalakewine.com/ (The Seneca Lake Wine Trail)
AMY IRVINEROOTED PLANNING GROUP10 EAST MARKET STREETCORNING NY 14830http://www.rootedpg.com/ (WWW.ROOTEDPG.COM)EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine & Dime with Amy Irvine. As you know, every week it's my goal to talk about somebody's journey through their financial vineyard. But we're taking a little sidestep today and instead of talking to somebody we're going to be talking about something. Something along the lines of retirement accounts and the type of distributions that you can take from retirement accounts. There's some little hidden secrets in there that I can’t wait to share. I know this isn’t the typical Wine and Dime event where we're talking to somebody about their journey, but it might be about your journey. Particularly, in this year. So, sit on back, grab your favorite beverage and enjoy the show!
Welcome back Wine and Dime listeners! We're very excited to have Dr. Barbara O'Neill back on the show. This time around we are going to be talking about her transition to self employment after 41 years of working at Rutgers. The new project that she has been working on is her new book, which is coming out very soon, called “https://www.amazon.com/Flipping-Switch-Happiness-Financial-Security/dp/1620236869 (Flipping A Switch: Your Guide to Happiness and Financial Security in Later Life)”. We dive into several chapters and some very fun unique names! You have to listen in to hear some of that! So sit back, grab your favorite beverage and enjoy the show. And remember “Life is about events, supported by your dollars and cents”.
Dr. Barbara M. O'NeillTWITTER - https://twitter.com/moneytalk1 (@MONEYTALK1)Dr. Barbara O’Neill, CFP(R), AFC is the owner/CEO of Money Talk: Financial Planning Seminars and Publications. She writes, speaks, and reviews content about personal finance. A Distinguished Professor Emeritus at Rutgers University, she has written over 160 articles for academic publications and received over 35 national awards and over $1.2 million in grants to support financial education programs and research. She tweets daily personal finance information using the handle https://twitter.com/moneytalk1 (@moneytalk1)
https://www.amazon.com/Flipping-Switch-Happiness-Financial-Security/dp/1620236869 (Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life)Leaving full-time employment to enter retirement often requires a 180-degree change in mindset and behavior from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require flipping a switch. Some changes happen suddenly like an on/off switch, while others happen over time like a dimmer switch. Some switches are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well. Flipping a Switch discusses 35 financial, lifestyle, and social transitions you'll encounter upon entering retirement, including: Full-time work to new pastimes Saving money to spending money Receiving a paycheck to creating a paycheck Funding retirement savings plans to taking required minimum distribution withdrawals Accumulating possessions to downsizing
Everyone has unique switches to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a How to Flip This Switch section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner ® Dr. Barbara O'Neill will help you develop a plan to become your best future self.
This episode was presented byAmy IrvineAND IN COLLABORATION WITHhttps://senecalakewine.com/ (The Seneca Lake Wine Trail)
AMY IRVINEROOTED PLANNING GROUP10 EAST MARKET STREETCORNING NY 14830http://www.rootedpg.com/ (WWW.ROOTEDPG.COM)EMAIL: AMY@ROOTEDPG.COM
Every week it's my goal to share a story of someone's journey through their life and financial vineyard. We take you from their roots to the journey of their vines and the influences in the air that have helped craft their delicious lives. Like wine, life and finances have different palettes that should be celebrated and not judged. We welcome you to this edition of Wine and Dime where we speak with Lisa Crilley Malice. Lisa is a time strategist and lord knows we all need more time in our day! What we didn't talk about in the podcast and have in the show notes, is that Lisa is going to be releasing her own podcast called “The 25th Hour”, with the idea that we all need that extra hour every day, and how do we come up with it! We hope you enjoy this show and just remember life is about events supported by your dollars and cents. So, sit back, grab your favorite beverage and find your “zone of genius”! Lisa (Crilley) Mallishttps://impactivestrategies.com/ (HTTPS://IMPACTIVESTRATEGIES.COM/)https://www.youtube.com/channel/UCqDKi2dg8WMkXRNZ9JyPwgQ/featured (THE 25TH HOUR PODCAST-YOUTUBE)https://www.facebook.com/ImpactiveStrategies/ (FACEBOOK)https://twitter.com/impactivestrat (TWITTER)https://www.linkedin.com/in/lcrilleymallis/ (LINKEDIN)https://www.youtube.com/c/LisaMallis (YOUTUBE)Lisa is the owner of Impactive Strategies, she is a time strategist, recognized for providing practical solutions to everyday productivity challenges. A certified coach, trainer, and facilitator, Lisa works with financial advisors and their teams who are working hard to succeed and still want to achieve more. She knows that “one size fits all” does not apply when it comes to getting the most out of your day with ease. Using her fifteen years in education, a master’s degree from Ursuline College, and multiple coaching certifications, Lisa supports clients with customized tools to achieve more while working less. Lisa believes in two solid life lessons: Life lesson 1 - Just because you are good at it doesn’t mean that is what you are meant to do. Life lesson 2 - if it is easy for you, it isn’t easy for everyone. Lisa’s Process What do you really want to do - what is their zone of genius? What is it that you don’t want? Building your day around your strengths Implementation of a habit - putting the structure in your day to create success How to grow your business through the right delegation (six levels of delegation) According to Robert B. Maddux (in Delegating for Results), you can delegate to an employee or volunteer using 6 different levels. Level I – Look into the situation, get all the facts and report back for instructions. Level II – Identify the problem, determine several solutions and the pros and cons of each, recommend one for approval and wait for instructions. Level III – Examine the matter, send word on what you intend to do, take no action until you get the go ahead. Level IV – Decide on a strategy, send word of what it is, and take action unless you hear otherwise. Level V – Take action on this matter and report back on what you did and how it turned out. Level VI – Take action, no further communication is necessary. The assumption is that it’s been handled.
https://www.huntwines.com/ (Hunt Country Vineyards)https://www.huntwines.com/Vidal-Blanc-Ice-Wine?maxRows=12&pageID=B3F0EBB1-FFA2-E3E0-C9B6-D0D9C3A064D8&sortBy=DisplayOrder (Vidal Blanc Ice Wine)Winner of the 2017 Jefferson Cup for Dessert Wines! Best Ice Wine, 2018 New York Wine Classic Harvested in the deep of winter and pressed from grapes frozen on the vine, this genuine ice wine is a genuinely rare treat. It is filled with flavors of rich honey, sweet apricot and exotic fruit flavors. Delicious with a range of desserts. Absolutely wonderful all on its own. Hunt Country Vineyards is the oldest continuous producer of ice wine in the United States; we produced our first batch of ice wine in 1987. Crafted in the...
Nancy grew up in the shadows of her family limelight, as the daughter of an actor. She didn’t necessarily realize it, but she was seeking her own individual recognition (don’t miss the “how many likes does it take to get to the center of a tootsie pop!). She became a publicist focused on helping other people get recognized, until the great recession, this challenge forced her (or should I say dared her) to pivot and use those skills at an even grander level and she created a book about how to change bio’s (https://www.amazon.com/Bye-Bye-Boring-Bio-Updated-Expanded/dp/0615409202 (Bye-Bye Boring Bio Workbook)). This was just the launching pad, including her Life Goes On Road Trip organization program that makes organizing your finances a bit like a treasure hunt, adding an element of fun. Nancy Juettenhttps://www.facebook.com/groups/lifegoesonroadtrippers/ (https://www.facebook.com/groups/lifegoesonroadtrippers/) https://www.lifegoesonroadmap.com/ (https://www.lifegoesonroadmap.com) https://authenticvisibility.com/testdrive/ (https://authenticvisibility.com/testdrive/) Instagram: https://www.instagram.com/nancyjuetten/ (https://www.instagram.com/nancyjuetten/) Twitter: https://twitter.com/lifegoesonRM (https://twitter.com/lifegoesonRM) LinkedIn: https://www.linkedin.com/in/nancy-juetten/ (https://www.linkedin.com/in/nancy-juetten/) BIO Nancy Juetten guides families to organize their personal financial information and crucial documents before something random or crazy can stop them. The co-creator of the Life Goes On Roadmap® system for personal financial information organization, Nancy is on a mission to touch and transform a million lives by guiding them to take one of 16 essential road stops, one 20 minute segment at a time. This brings power, access and control when the moments matter the most and makes dealing with a bump in the road just a little bit softer for all. Nancy writes a column for the popular https://sixtyandme.com/how-to-get-your-act-together-before-something-random-or-crazy-can-stop-you/ (Sixty and Me blog site) that serves 500,000 women aged 60 and better. Her system is sold individually to homeowners, downsizers, and families across the country from http://www.lifegoesonroadmapnow.com/ (the website), and professional service providers can license and co-brand the system to share with their most valuable clients. She has addressed appreciative audiences at the Garrett Planning Network Annual Retreat, virtual women’s groups, and podcasts such as the Legacy Cafe Podcast, the Conscious Caregiver, and now – Wine and Dime. Before starting Life Goes On Roadmap in 2018, Nancy launched and grew a successful business coaching practice to guide experts, authors, and speakers to http://www.getknowngetpaid.com/ (get known and get paid) for their expert status by getting ready for opportunity first. In 2009, she wrote the popular https://www.amazon.com/Bye-Bye-Boring-Bio-Updated-Expanded/dp/0615409202 (Bye-Bye Boring Bio Workbook) that is still a go-to source to guide users to transform their boring bios from wallpaper to wow to attract clients now. When life hit the fan for her – with a home burglary, a move to a new city, her mom’s diagnosis with dementia, and her husband suffering a mini-stroke in the middle of the night -- Nancy’s preparation for real life paid off with less drama, trauma, and chaos in the clutch moments. With Life Goes On Roadmap®, she guides her clients to welcome those priceless benefits that are more relevant than ever in the era of the COVID 19 Pandemic. Nancy is quick to say that keeping your head in the sand is a dis-empowering place to stand. The best time to get your act together is right now.
https://www.onehopewine.com/ (One Hope Wine)From humble beginnings and a lofty vision, our founders started selling wine on a mission to change the world. Since then, they have helped thousands to do the same by creating a career...
Terri DeCosterEMAIL: TERRI@TERRIDECOSTER.COMWEBSITE:http://terridecoster.com/ ( TERRIDECOSTER.COM)FACEBOOK - https://www.facebook.com/terridecostercoach/?__tn__=%2Cd%2CP-R&eid=ARCl-3x_Hc7QHnJJXzx2PTB_aI-Syc2hVZ8UT1XVNN0GimRUVYRlkpzhcKaVN7lVyrS8rdDsNsflHADx (@TERRIDECOSTERCOACH)https://www.linkedin.com/in/terridecoster/ (LINKEDIN)https://www.instagram.com/terridecoster.coach/?hl=en (INSTAGRAM)Terri is a Master in Counseling Psychology, Family Mediator, Coach, and Facilitator specializing in supporting families in transition, in-person or online. As a certified IPEC and Better Apart coach, Terri guides individuals facing stressful family changes caused by separation, divorce, and re-partnering to a place of ease and harmony through co-parent education, conflict management, and communication skills. Terri is a presenter at the Kids First Center and Maine Divorce Workshops. Terri has attained her Master in Counseling Psycology, Coaching Certificate from iPEC, and Certificate in Family Mediation and has applied this to her calling to support families in transition. She didn’t grow up in a hallmark card family by any means. At a young age, Terri was a child of divorced parents, and the divorce was not “friendly.” Her mom and brother left the household with just the things they could fit in the car. This childhood experience left a lifetime impression on Terri and she utilized her skills to help other families have a healthier co-parenting experience during and after divorce, with special attention to the experience of the child. She also has a passion to help others in blended families (or new modern family) through stepfamily coaching and her volunteer work at the Kid’s First Center. If you are a blended family, this episode is definitely for you! https://sofhcellars.orderport.net/product-details/0721/2017-The-Sorceress-Grenache-750mL (Wine: Sleight of Hand - The Sorceress)
The 2017 Sorceress is 100% Grenache from two truly spectacular vineyards. It is 68% from Upland Vineyard and 32% from French Creek Vineyard. This vintage of the Sorceress was aged for 16 months in all French oak barrels (mostly puncheons). The wine saw mostly neutral oak (only about 20% new French oak), and the final blend includes about 45% whole cluster, foot-stomped bunches. The resulting wine is exotic and aromatic. It presents with classic Grenache notes of garrigue, allspice, dark cherries, tobacco, and strawberries; all of which is backed up by fresh acidity, and a long, lingering finish highlighting the refined tannins and brightness of this great wine. This vintage is age-worthy and will continue to develop over the next decade.
Our Feature - Prejean - Cab Franc ( https://prejeanwinery.com/wineshop (https://prejeanwinery.com/wineshop)) - Aromas of berry and plum and a warm, lingering finish. A great addition to hearty dishes. At Prejean Winery, we honor the tradition of winemaking that has been handed down for almost a thousand years. Prejean Winery grows grape varieties that originated in Europe; such as Merlot, Cabernet Sauvignon, Cabernet Franc, Riesling, Gewurztraminer, and Chardonnay. Our Gewurztraminer, planted in 1979, is a mouthful in more ways than one. It is grown in the Alsace region of France. Riesling, also grown in France, but known predominantly in Germany, is now the Finger Lakes’ signature grape variety. Our Dry Riesling has just won the Double Gold Winner in the 2019 San Francisco Chronicle Wine Competition. At Prejean Winery, we honor the tradition of winemaking that has been handed down for almost a thousand years.
Welcome to this edition of Wine and Dime with Amy Irvine. Today's Guest is Janice Vitale. She is, if you recall, working with me on a special project for a series of vlogs. In this episode we will explore anxiety and how many people are experiencing increased levels due to Covid-19. We also discuss ways to identify and combat it. We hope that you enjoyed this version of our vlog and hop on over to our YouTube channel if you'd like to watch the two of us. Feel free to message us about any topics that you would like to see us cover and be sure to give us a thumbs up and subscribe to get the latest episodes! Janice Vitale CouncilingFhttps://www.facebook.com/pg/JaniceVitaleCounseling/about/?ref=page_internal (ACEBOOK) 14 East Market Street Corning , New York Call (607) 414-0640 OMH EMOTIONAL SUPPORT HELPLINE: 1-844-863-9314 The Emotional Support Helpline provides free and confidential support, helping callers experiencing increased anxiety due to the coronavirus emergency. The Helpline is staffed by volunteers, including mental health professionals, who have received training in crisis counseling.
https://www.crisistextline.org/ (HTTPS://WWW.CRISISTEXTLINE.ORG) TEXT 741-741 The Crisis Text Line serves anyone, in any type of crisis, providing access to free, 24/7 support via a medium people already use and trust.
https://suicidepreventionlifeline.org/ (HTTPS://SUICIDEPREVENTIONLIFELINE.ORG/) 1-800-273-8255 The Lifeline provides 24/7, free and confidential support for people in distress, prevention and crisis resources for you or your loved ones, and best practices for professionals.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime with Amy Irvine. In this episode, I have the pleasure of chatting with Jedidiah Collins. Jed grew up in a household of three brothers and one sister. He then became an NFL player, and was traded 12-times during that journey. Luckily, it was early on in his career he realized that he needed to Pivot his Relationship with Money. This journey then led him to becoming a financial planner and attain his CERTIFIED FINANCIAL PLANNER Designation. Jed and I share in the mission to get education into the high school systems! Jed has created a tool called “Your money vehicle” The first 10 questions to ask on their journey, it is a 10 week financial literacy course that contains 35 short videos. You’ll hear about the 30-day financial literacy challenge (30 NFL players) coming out in July. This was an incredible conversation with someone who shares my passion about financial education and literacy. So sit on back, enjoy your favorite wine, and enjoy the show! Full Show notes available at https://www.rootedpg.com/wine-and-dime-podcast (https://www.rootedpg.com/wine-and-dime-podcast)
In the episode of Wine and Dime I chat with Nancy Stabins. Nancy is the Regional Vice President of the American Wine Society. Is it any surprise that I asked her to be on the show?! Talk about doing what you love and love what you do...Nancy and her husband (a wine judge) have explored the world through their passion for wine. Although Nancy and I geek out about wine, we also explore how Nancy, who is an RN, turned her son’s diagnosis at a young age into a successful integrative medicine business. My favorite quote from this recording is, “May we never know the disease we prevent.” Wine: Nancy - too many to mention - https://www.vinfolio.com/2008-Vieux-Telegraphe-Chateauneuf-du-Pape-La-Crau?quantity=1&custcol_vf_bottlesize=2 (https://www.vinfolio.com/2008-Vieux-Telegraphe-Chateauneuf-du-Pape-La-Crau?quantity=1&custcol_vf_bottlesize=2) Amy - Lake Kueka (Lake Kueka Wine Company) in Hammondsport: https://shop.bullyhillvineyards.com/product?productid=DAEA0573-7605-4FB8-9CA7-64FDC8EE321C (https://shop.bullyhillvineyards.com/product?productid=DAEA0573-7605-4FB8-9CA7-64FDC8EE321C)
Contact Information: https://americanwinesociety.org/ (https://americanwinesociety.org/) http://www.naturalalternativeswebster.com/ (http://www.naturalalternativeswebster.com/) Full show Notes can be found at: https://www.rootedpg.com/wine-and-dime-podcast (https://www.rootedpg.com/wine-and-dime-podcast)
Welcome to this edition of Wine and Dine with Amy Irvine. In this edition, you will hear some really unique combinations that are taking place out of a new business idea by somebody I met in a Facebook group that I belong to. Krystina Benedetti is amazing in what she is starting in her particular experience through Covid-19. The dream that has become very clear to her and how she's taking a normally hands-on experience, and taking it virtually. Be sure to listen all the way to the end where you can find out information on how to reach out to Krystina and get more information about her virtual cookie ice night. Of course there must be a little bit of wine involved here, so sit on back, grab your favorite glass of wine, and enjoy this show with Krystina. Highlights: Want a two hour break from being (fill in the blank) - Krystina is following her dream to combine cookies, icing, and wine….oh my! Amy and Krystina talk about how the experience of being isolated during COVID-19 helped Krystina discover her passion, create her own company, and ultimately bring people together. After listening to this podcast, you will want to get your girlfriends together and host a Virtual cookie ice night!
https://www.rootedpg.com/wine-and-dime-podcast
Welcome to this edition of Wine and Dime with Amy Irvine. Today's Guest is Janice Vitale. She is, if you recall, working with me on a special project for a series of Vlogs. Being that it is May and many people are graduating many students are graduating or thinking about graduating from college or high school, we really focused in on the emotional toll that Covid-19 isolation may have on them, and how to potentially cope with some of those emotions that come with it. We dig into things like how this could be grief for them and we do spend a little bit of time talking about student loans as well as just generally figuring out how to maybe be creative if you are just coming out of college and looking for jobs. We hope that you enjoyed this version of our vlog and hop on over to our YouTube channel if you'd like to watch the two of us or pick up some additional tips, we'd love to hear your comments we'd love to hear if there's anything particular you'd like to hear about and we hope that the rest of May. https://www.rootedpg.com/wine-and-dime-podcast (https://www.rootedpg.com/wine-and-dime-podcast)
In this episode of Wine and Dime I chat with Echo Huang. The child of educators, she grew up watching Hong Kong TV via an antenna on the roof of her residence. At the age of 20, she applied to the university of Idaho in finance. Echo shares a passion for bringing more women and minorities into the profession through internships and hiring college students. She is the author of Own Your Future, which will be released next month - you can get a copy on www.echohuang.com
About Echo.https://twitter.com/echohuangcfp?lang=en (@ECHOHUANGCFP)Echo Huang is a financial planner with CFP® (Certified Financial Planner) designation and over 25 years of experience in the financial services and accounting industries. She helps executives and entrepreneurs in Minneapolis and St. Paul take the complexity out of their personal and business finances. Born and raised in China, she came to the United States with $800 in her pocket in hopes of pursuing – and achieving – the American dream. Through higher learning, continued education, and hard work, she gained valuable experience and extensive knowledge about wealth management, investment strategies, and tax planning. After years of working as an accountant, a financial advisor and partnering with other financial firms, she founded Echo Wealth Management in 2015. MORE ACCOMPLISHMENTS She offers in-depth financial planning and personalized investment management services for professionals, executives, and entrepreneurs. She is an expert in stock options, trading plans, and Deferred Compensation Plans. As an investment professional with CFP®, Certified Public Accountant (CPA) license and Chartered Financial Analyst (CFA) charter, she is sought after to create personalized financial plans and execute the holistic strategies. Learn more by visiting Echo Wealth Management.
https://www.amazon.com/gp/product/B084X62W8P/ref=dbs_a_def_rwt_hsch_vapi_taft_p1_i0 (Own Your Future) is the story of how a poor immigrant came to live the American dream and how you can too. It’s a story of dreams manifested as a result of the guidance offered by the author’s seven core principles: daring to dream, being adaptable, respecting education, setting goals, utilizing smart and deliberate planning to achieve success, seizing opportunities when they arise, and benefiting from the wisdom of others.
Based on the author’s twenty-five years of experience in the trenches, not just of investment management but also of private and public accounting, this book educates the reader about wealth management and offers useful tools that can be used to make our financial lives more organized.
Echo Huang pulls back the curtain on the wealth management profession as a whole and shows you how to make it work for you, as well as whom and what to trust, who should be on your team, and how they should be working together in a holistic way to help you reach your financial independence day.
Wine: Riesling and Mascoto (we would recommend https://prejeanwinery.com/wineshop (https://prejeanwinery.com/wineshop) - Semi-Dry Riesling)
THIS EPISODE WAS PRESENTED BY
Amy IrvineAND IN COLLABORATION WITHhttps://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINEROOTED PLANNING GROUP10 EAST MARKET STREETCORNING NY 14830https://www.rootedpg.com/ (WWW.ROOTEDPG.COM)EMAIL: AMY@ROOTEDPG.COM
Hello again Wine and Dime listeners! Mother’s day is a time to honor those special women in our lives that we call mom (or that feel like mom). But what if you are a mom that has lost a child? What is mother’s day like for you? Carrie and Amy explore this topic and how we can show support and friendship to those special women who are grieving and the event she is planning with another month to develop support for each other. As a reminder, Carrie’s full story can be found in https://www.rootedpg.com/wine-and-dime-podcast/2020/1/16/a-grieving-mom-is-never-alone-with-carrie-gibson (Episode #97 of Wine and Dime)
Carrie Gibsonhttps://www.facebook.com/Never-Alone-in-the-Darkness-The-Shared-Journey-of-Losing-a-Child-116578603084235/ (FACEBOOK BOOK PAGE) https://www.facebook.com/carrie.gibson.545 (FACEBOOK PAGE)My ability to adapt to different situations in life came from growing up in a professional baseball family, which made it necessary to jump in and out of schools across the country each year (sometimes 4 moves per year). I also am a mother of two boys, having lost the eldest in 2017, when he was 29 and unmarried. I was forced into learning what needed to be done to handle his finances and affairs without any guidance. No grieving mom is ever alone in the way she feels daily. There are thousands of grieving moms who feel the same way she does. Although each person "deals" with the loss differently, we have all felt the same emotions at some point. Also, since the death of one's child affects every aspect of one's life, it is imperative that individuals who have never experienced the loss of a child understand what a grieving mom goes through emotionally and mentally. Finally, a grieving mom needs to know there are some things that need to be considered and addressed (especially when it comes to an adult child who is single) from a legal and financial perspective. In my book, https://www.amazon.com/NEVER-ALONE-DARKNESS-Shared-Journey-ebook/dp/B07Z6LVBWB (Never Alone in the Darkness The Shared Journey of Losing a Child), I write about how to handle an adult deceased child's student loan debt, taxes, paychecks, leased vehicles.
https://www.amazon.com/NEVER-ALONE-DARKNESS-Shared-Journey-ebook/dp/B07Z6LVBWB (NEVER ALONE IN THE DARKNESS )The Shared Journey of Losing a Child was written by a grieving mother who lost her oldest child in 2017. Feeling isolated, walking on the edge between reality and insanity, she had no idea if what she was feeling was normal. Had other mothers experienced the same emotions when they went through the nightmare of their loss? Finding purpose in her pain, she put her deepest emotions into words so other mothers would always have a reference to read, at any given point in their grief, to identify with a mother who knew firsthand what they were feeling. It was her hope these grieving mothers would then never feel alone in their own journey. She also discovered her words provided a better understanding of grieving mothers to those who had never experienced the unimaginable darkness of losing a child.
Welcome back Wine and Dime Listeners! This weeks guest is Matthew Frankel. Matt is a Certified Financial Planner based in South Carolina who has been writing for The Motley Fool since 2012. Matt and I talk about how he transitioned from a High School and College Math Teacher to a CFP® and writer for https://www.fool.com/ (The Motley Fool), and ultimately ended up in South Carolina. We also touch base around the fear of consumers that COVID-19 has created. We wrap up this session with Matt’s the top two financial lessons he hopes everyone learns from.
W Matthew Frankel, CFPTwitter - https://twitter.com/TMFMathGuy (@TMFMathGuy)Matt is a Certified Financial Planner based in South Carolina who has been writing for The Motley Fool since 2012. Matt specializes in writing about bank stocks, REITs, and personal finance, but he loves any investment at the right price. Follow him on Twitter to keep up with his latest work!
e https://www.angelsenvy.com/ (Angel’s Envy)There’s bourbon. And then there’s divine inspiration painstakingly crafted into a spirit so sublime you’ll want to share it with the world. We make the second one. ANGEL’S ENVY is what happens when 200 years of bourbon tradition meet an independent master craftsman’s instinct to improve. It’s a total return to the art of craft-first, hand blended batches of 8 to 12 barrels at a time. We personally taste every barrel throughout each step of the aging process to ensure that the spirits meet our perfectionist standards. This would be enough for any other premium bourbon, but we think you deserve more. That’s why we finish every one of our whiskeys in hand-selected finishing barrels. For an added layer of flavor and complexity, our bourbon and special cask strength are finished in ruby port casks, and our rye is finished in rum barrels. There’s no set time for this process. It’s only Angel’s Envy when we say it is.
ARTICLES MENTIONED: The Ascent homepage: https://www.fool.com/the-ascent/ (https://www.fool.com/the-ascent/) Research survey mentioned: https://www.fool.com/the-ascent/research/coronavirus-worried-money/ (https://www.fool.com/the-ascent/research/coronavirus-worried-money/) Financial resources: https://www.fool.com/the-ascent/research/where-find-financial-help-during-coronavirus-pandemic/ (https://www.fool.com/the-ascent/research/where-find-financial-help-during-coronavirus-pandemic/) https://www.fool.com/the-ascent/research/coronavirus-worried-money/ (https://www.fool.com/the-ascent/research/coronavirus-worried-money/)
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )l
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime. In this episode, I felt it necessary to dig into the specifics of the CARES act, and how that information may apply to you all. The information has been out there a while, but as time goes on, we are gaining new understandings of how the act works, and how it may apply to you. Thank you for listening, stay safe, and enjoy the show. For more information on the CARES act, visit our https://www.rootedpg.com/covid-19 (Covid-19 section) here on this website.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Every week it's my goal to share a story of someone's journey through their life and financial vineyard. We take you from their roots, to the journey of their vines and the influences in the air that have helped craft their delicious lives. Like wine, life and finances have different palettes, that should be celebrated and not judged. Welcome to this edition of Wine and Dime. We are going to be talking to Janice once again. This time about different strategies to deal with stress. We even do a quick breathing meditation exercise. These strategies are important with all of the stress surrounding Covid-19. Thank you for listening, and hope this helps you during these difficult times. So sit on back, and enjoy your favorite beverage with Janice Vital and Amy Irvine.
Janice Vitale Councilinghttps://www.facebook.com/pg/JaniceVitaleCounseling/about/?ref=page_internal (FACEBOOK)14 East Market Street Corning , New York Call (607) 414-0640
https://www.headspace.com/ny () A NY state of mindNew York has been hit hard by the current global crisis. In partnership with Governor Cuomo, Headspace wants to be here for you — to help you find some time and space as you weather this storm. From Buffalo to Long Island, Albany to the Lower East Side, this special NY collection of meditation, sleep, and movement exercises are here to support you through stressful and challenging times. Helping you — and your fellow New Yorkers — stay strong and be kind to yourselves, with a New York state of mind.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine and Dime with Amy Irvine. I'm thrilled to have another woman who is involved with finance on the show today but in a different way. Justine Chan is going to be talking to us about a new website that she's created called “Live With Plum”. She was a first-time home buyer, she muddled through the process and she loved learning more and more about it. Five years, four apartments and one license later, she's much more knowledgeable and here to share her knowledge with you. We hope you enjoy the show, so, sit on back, sip your favorite beverage and enjoy!
Justine Chanhttps://www.livewithplum.com/ (Live With Plum)TWITTER - https://twitter.com/livewithplum (@LIVEWITHPLUM)FACEBOOK - https://www.facebook.com/livewithplum/ (@LIVEWITHPLUM)INSTAGRAM - https://www.instagram.com/livewithplum/ (@LIVEWITHPLUM)LIVE WITH PLUM IS THE HOMEBUYING GUIDE FOR THE MODERN WOMAN. It all started in 2014, when I bought my first apartment in New York City. I was 25 and eager to lay down some roots but felt utterly confused by the convoluted process of buying a home. To begin, I met with multiple real estate agents and ultimately ended up using one (whom I liked by the way!) but I barely knew this person so why would I blindly entrust him with such a big and important purchase? And so, I embarked on a personal education campaign… I searched online endlessly but the information was fragmented, contradictory and oftentimes trying to sell me a mortgage product I didn’t need yet. I then tried buying books, thinking that the information would at least have credibility, and while more helpful than online listicles, the books were not updated as frequently as needed in today’s rapidly changing real estate landscape. Eventually, I did find and buy a teeny tiny 350 sqft studio apartment I loved… but frankly, I abhorred the process of getting there. It felt like I researched and had more control over my skincare regime than I did with my first home purchase! Fast forward 5 years later, I go on to purchase 3 more apartment units in the NY/NJ area and earn my real estate license while working full-time. Now, I want to use my experience and knowledge to help and empower other women towards achieving their homebuying dreams.
http://www.rekorderlig.com/us/ (Rekorderlig Cider)ABOUTFrom its humble Swedish roots, Rekorderlig has retained its dependable honesty to become a much-loved, fourth generation family-brewed cider. Stocked in a range of the American favourite bars and supermarkets, Rekorderlig continues to launch in new countries while strongly maintaining its proud Swedish heritage. Rekorderlig is a dependable and premium cider that you can rely on and trust. With a typically Swedish fusion of high-end, premium design and modesty, it has a clear identity that sets it apart from others. Enjoyed by those who yearn for something refreshingly different, join Rekorderlig on a journey of exploration, innovation and invigoration.
https://www.totalwine.com/beer/cider/perry-pear-cider-/rekorderlig-pear-cider/p/136984441 (REKORDERLIG PEAR CIDER)Sweden- Pear Cider- Made with the purest Swedish spring water blended with 100% European pears, resulting in a refreshingly delicious, perfectly tart and sweetened pear cider. Enjoy chilled with a zesty lemon wedge for an incredibly crisp finish.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome to this edition of Wine & Dime with Amy Irvine. I'm thrilled to have Jodi Flynn as our guest today. Jodi is the author of the book, “Accomplished: How to go From Dreaming To Doing”. She runs a podcast called “Women Taking The Lead” and she's a coach and her company is called Women Taking The Lead. I think you're gonna just enjoy the conversation that the two of us have around insecurities, around self-doubt, around ways that we can get together and talk about and overcome those items. She works with a lot of women like me who are Type A and have gotten so wrapped up in what they're doing and accomplishing that they don't know who they are anymore. We hope you enjoy this edition of another strong woman for women's history month. Where we explore what it's like to be a woman, enjoy privileges that we now have,thank those that have come before us, and get to stand on their shoulders. Sit back, sip your favorite glass of wine and enjoy this episode with Jody Flynn.
Jodi FlynnJODI@WOMENTAKINGTHELEAD.COMhttps://www.facebook.com/womentakingthelead/ (FACEBOOK)https://twitter.com/JodiMFlynn (TWITTER)https://www.linkedin.com/in/jodiflynn/ (LINKEDIN)I help my driven, high performing clients achieve their biggest goals with ease by identifying and overcoming the obstacles that are getting in their way. I LOVE working with my clients. I’ve been coaching long enough to know who my ideal clients are and because of that, when we work together, we both get energized. I specialize in working with Type A women because I am one myself. If you aren’t sure if you’re Type A listen to these two episodes of Women Taking the Lead (if you are Type A you’re going to gasp and laugh along with me): https://womentakingthelead.com/are-you-this-woman/ (Are You This Woman?) https://womentakingthelead.com/typea/ (Decoding What It Means to Be Type A) Being a Psychology major in college gave me the human insight needed as an executive in mutual fund operations; I found I flourished in the areas of supervising, mentoring, project management and team building. There I discovered my personal mission – to listen for, bring out and nurture other’s strengths so they could use them to their advantage. In 2010, I seized the opportunity to train as a Professional Coach through the Institute of Professional Excellence in Coaching (iPEC). Taking pride in ‘walking my talk’, I take on challenges that push me outside of my own comfort zone – from following my passion for a career that moved me away from my family and friends to a new state, running a marathon, starting a business, launching the Women Taking the Lead Podcast and https://womentakingthelead.com/product/the-accomplished-book/ (writing a book.) I feel the same fear others do when “putting myself out there” but I know that is the path to living full-out, and I love to encourage others to overcome their fears and do the same. Today, as the Founder of Women Taking the Lead, I coach, facilitate workshops, host the Women Taking the Lead podcast and lead a thriving community of women in leadership. I am also the President of the Board for https://www.themainewomensconference.org/ (The Maine Women’s Conference) and a member of http://bnimaine.com/me-maine-portland-business-builders-bni/en-US/index (Business Networking International (BNI)).
https://womentakingthelead.com/podcast (WOMEN TAKING THE LEAD PODCAST)Launched in 2015, the Women Taking the Lead podcast grew quickly and shot to the #1 position in iTunes New and Noteworthy in three categories: Business, Careers, and Society and Culture. The podcast was named by Forbes Magazine as one of https://www.forbes.com/sites/darrahbrustein/2019/04/28/these-are-the-top-18-women-led-podcasts-you-need-to-download-now/#a4e81d27cb9d (The Top 18 Women-Led Podcasts You Need To Download Now),...
Hey Wine and Dime listeners this episode is a bit different. This past week was full of both fiscal and monetary economic policy efforts to assist our economy during these unique circumstances. On Thursday night, we participated in a live Wine and Dime Virtual session that explained the actions of both federal reserve and the government, and why I think the economy will recover in time. We wish you all health and safety and hope you get to kick back with your favorite "wine" and listen or watch the show. https://tj-meehan-rs4z.squarespace.com/s/Wine-and-Dime-Virtual-Event-03-26-2020.pdf (DOWNLOAD THE PRESENTATION HERE)
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Every week it's my goal to share a story of someone's journey through their life and financial vineyard. We take you from their roots, to the journey of their vines and the influences in the air that have helped craft their delicious lives. Like wine, life and finances have different palettes, that should be celebrated and not judged. Welcome to this edition of Wine and Dime. We are going to be talking to Janice once again about how women, empowerment and the two come together. We really spent a lot of time talking about, almost a identity crisis for many women who have worked their way into a leadership position. So sit on back, and enjoy your favorite beverage with Janice Vital and Amy Irvine.
Every week it's my goal to share a story of someone's journey through their life and financial vineyard. We take you from their roots, to the journey of their vines, and the influences in the air that helped craft their delicious lives. Like wine, life and finances have different palettes that should be celebrated and not judged. We hope that you enjoy today's show with Patty Hamilton Rogers, who is a blast from the past and then some. Patty is at the core of my vineyard formation and you're gonna hear some of the ways that she, as a another woman, really helped influence the creation of my vineyard. As we continue to celebrate women's history month, you're also gonna hear a few tips in there about why it's so important to get out and vote, some of the changes that Patty went through as she was developing her vineyard, and some of the exploration that she's gone on and figuring out exactly who she is today. So we encourage you to sit on back drink your favorite wine, there were certainly a few good ones mentioned in this podcast, and enjoy the show!
Patty’s Wine Pick - Josh Cellars WineryABOUT JOSH“In 2005, I was in the wine cellar with a friend, someone who happened to be a 3rd generation Sonoma grape grower. We were tinkering around with a new wine that we sourced from a rugged volcanic vineyard in the Red Hills of Lake County California. We were reminiscing about our fathers, and it reminded me of how my Dad used to tinker around the garage, rebuilding old stock cars with his friends.
That rich, approachable wine that we tried back then defines the style and quality that we try to replicate each vintage at Josh Cellars, wines that are bold and expressive, but unassuming and approachable. Funny how it reminds me of someone.
Amy’s Wine PickLakewood VineyardLakewood Farm is located on the west side of Seneca Lake, with east-facing slopes gently leading down to the shores. Owned and operated by the Stamp family since 1951, the vineyard’s first grapes were sold to Welch's Grape Juice Company in 1955. As the economic climate for small commercial grape producers became challenging, the Stamps took the next step and began producing and selling wine made from their grapes. As the wines produced at Lakewood Vineyards gained recognition, so did the acreage in grapes increase—from 45 in 1988 to 80 in production today, with 10 newly planted. Lakewood Farm is still the main source of grapes for Lakewood Vineyards wines and supplies 15 varieties. Looking Forward The vineyard crew practices careful management of the vines and land, with a focus on sustainable practices, including composting, mulching and use of cover crops.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners! In this episode I sit down with Margie Keller of Woody Lodge Winery located in Ashville, PA. As you all know by now, I use the vineyard metaphor all the time! Well in this episode, I get to actually talk about a Vineyard, and Wine making! Margie shares with us her extraordinary journey to becoming a wine maker, from her humble beginnings to an award winning wine maker. She even sent me a bottle of their wine to enjoy while recording the show. Margie was the perfect guest to lead off Women’s History Month, and I think you’ll soon see why! So sit on back, open a bottle of your favorite Woody Lodge Wine and enjoy the show!
Margie Kellerhttps://woodylodgewinery.com/ (Woody Lodge Winery)Tucked away in the hills of the Allegheny Mountains of Central Pennsylvania, we made our wines public from amateur wine making to professional wine making in fall 2013 when Woody Lodge Winery was born. The love of fine wines has made our lodge the heart of Ashville, Pa and the surrounding area. We are constantly growing and adding to the your experience at our lodge. We offer a cozy rustic atmosphere with an elevated deck that is perfect for a romantic date, or time with friends. Entertainment is offered weekends, no cover charge and you can call ahead to reserve a table. Wines for all palattes: Our main varieties include Chardonnay, Riesling, Pinot Grigio, Traminette for our main whites and Cabernet Sauvignon, Merlot, Pinot Noir, Chambourcin, Concord for reds. We also have fruit wines and dessert wines for you to come and sample as well. Where to find us: To have our wines readily available in the surrounding areas, we have began to offer them in Giant Eagles, Martin's grocery stores, Levity Brewing in Indiana, Pennsylvania as well as some local six packs. Our complete list of locations can be found at our locations tab on the website. We opened our first satellite location downtown Indiana, Pa in Spring 2018. Its the place to be on your lunch hour, you can bring in your own food, have a glass of wine and socialize.
https://woodylodgewinery.com/chocoholic-cherry-750ml/ (Chocoholic Cherry)Cherry Wine and Chocolate Blended to Taste Just Like Chocolate Covered Cherries! 2017 American Wine Society Bronze winner 12.5% Alcohol Volume
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, welcome back Tina Kilroy and Sarah Holden. If you don’t recall, Tina and Sarah work for the http://www.icief.org/about.html (Investment Company Institute)(ICI), and specialize in retirement planning and 401k education. It seems that everyone always talks about the “Baby Boomer”, and “Millennial”, but what about Gen X, or what I like to call them, the forgotten generation. But now with that generation in the 40’s and 50’s, retirement planning is a very pressing topic. Join us, as we discuss how to stay on track with your retirement goals! Also, be sure to check out the https://www.ici.org/ (ICI) website for countless resources to help you make educated discussions when it comes to retirement an investments. So sit on back, pop open a bottle of your favorite vino and enjoy this conversation! Links:https://www.ici.org/pressroom/opinions/opinions/20_holden_spousalira (ARTICLE MENTIONED IN THE EPISODE )https://tj-meehan-rs4z.squarespace.com/s/ICI-Gen_X_Getting-to-Know-Them.pdf (GEN X, GETTING TO KNOW THEM PDF) Biography Sarah Holden is Senior Director of Retirement& Investor Research at the Investment Company Institute (ICI), the leading association representing regulated funds globally, including US mutual funds and exchange-traded funds (ETFs). Sarah has a PhD in economics and has studied retirement trends and policy, as well as the behavior of investors, for decades. She uses humor and plain English to make retirement and investment concepts clear.
Christina“Tina”Kilroy is vice president of the ICI Education Foundation (ICIEF), leading the efforts of the Investment Company Institute to develop and deepen investor education resources and to partner with ICI members and other organizations to enhance financial literacy. Tina has a great understanding of the best financial education resources available, and can offer listeners insights based on their needs.
About the Investment Company Institute Education FoundationFormed in 1989, the ICI Education Foundation (ICIEF) is the educational affiliate of the https://www.ici.org/ (Investment Company Institute), the leading global association of regulated funds. ICIEF partners with government agencies and other nonprofit organizations to develop, deliver, and promote investment education programs to a variety of specific audiences. The foundation also participates in financial education advocacy coalitions, conferences, and initiatives that promote saving and investing nationwide. Since 2010, ICIEF has partnered with Junior Achievement of Greater Washington (JA) through its Finance Park program for middle-school students. ICIEF’s contribution includes an educational exhibit and interactive game at Finance Park locations in Fairfax County, VA, and in Montgomery County and Prince George’s County, MD. http://www.icief.org/programs/index.html (Learn more about ICIEF’s partnership with JA). For more information about ICIEF, please contact Tina Kilroy, vice president, or Mike McNamee, president, and follow ICIEF on https://twitter.com/icief (Twitter), https://www.facebook.com/icief.org (Facebook), and https://www.linkedin.com/company/icief (LinkedIn).
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Hello again Wine and Dime listeners. This episode is also a video that we have posted on Facebook and YouTube. Janice Vitale is a LCSW located in Corning, NY, and she joins me to talk about the psychology of change. We talk about how change can be a very scary thing, and how when you recognize that fear, you can overcome it and embrace that change. We talk about how that fear was a factor when we opened our own businesses. This was great conversation, and please check out the video, or have a listen!
We are thrilled to share this edition of Wine and Dime with you where we talk with Peal Galbraith, who shares my mission to empower women to live their best lives and feel empowered about money. Pearl was raised on a Canadian wheat farm, which gave her the grit necessary to pivot and become a lemon crusher when life handed her lemons. Don't miss the nuggets we share about Pearl's book! Better yet, be the first to comment in Twitter or Facebook and we will give you a copy of her book.P.S. Try the Conundrum Red Blend, the wine is as fun as the name! Thanks for the tip Pearl!
Pearl Galbraithhttps://www.lemoncrushers.com/ (WWW.LEMONCRUSHERS.COM)Pearl Galbraith empowers women to live their Best Lives. She is a “lemon crushing” working woman, financial advisor, author, motivational speaker and founder of http://www.inspired-women.org/ (Inspired Women Inc), a nonprofit organization that connects, celebrates and empowers working women. Raised on a Canadian wheat farm, participating in the “work” has always been a necessity, not an option. First employment off the farm was as a dishwasher. Her career has spanned 2 countries where she has held various roles including executive positions in both hospitality and finance companies. Other positions have included being a successful realtor, a national sales trainer and a securities broker. Today she serves clients in her financial practice and leads Inspired Women Inc. The motivation behind writing her first book: Lemon Crushers: A Working Woman’s Guide to Overcoming Adversity, was to inspire working women to live purposeful, more fulfilled, more joyful lives. Pearl and her husband Mark have 2 grown sons and a teenage daughter. They make their home in Whitefish, MT. https://lemoncrushers.com/contact/ (Get in touch with Pearl) https://twitter.com/LemonCrushers () https://www.linkedin.com/in/pearlgalbraith/ () https://www.facebook.com/LemonCrushers/ () https://www.instagram.com/lemoncrushers/?hl=en ()
https://www.amazon.com/Lemon-Crushers-Working-Overcoming-Adversity-ebook/dp/B07MQ43HSQ () Click the picture to view purchasing options on Amazon Lemon Crushers: A Working Woman's Guide to Overcoming AdversityREAL WOMEN...REAL PROBLEMS...REAL SUCCESS
LEMON CRUSHERS is the WORKING WOMAN'S GUIDE TO OVERCOMING ADVERSITY and the challenges life brings , both personally and professionally, and not just endure them, but THRIVE as a result of them.
Becoming a Lemon Crusher will help you avoid, even eliminate adversity, both in and out of the workplace. Learn to use each challenge you face as a stepping stone to success. Live a happier, more fulfilled, more purposeful life.
With real life stories about real life working women, Pearl Galbraith entertains as well as inspires. After introducing the Guide to Overcoming Adversity, Galbraith applies the principles to relevant case studies of working women. Galbraith highlights women who faced challenges ranging from health, finances, relationships, career issues and circumstances.
We are welcome alongside these women to experience not just their crisis, but more important, how the women used the Lemon Crushing principles to succeed.
The Guide to Overcoming Adversity including the Case Studies of Real Women with Real Problems who experienced Real Success, give us all hope and inspiration to face our own “lemons” and “make lemonade”
http://www.conundrumwines.com/wines/ (Conundrum Red Wine Blend)Conundrum Red Wine Blend Created from dark red varietals, this wine is both lighthearted and serious. It continues to take inspiration from my late grandpa, Charlie Wagner Sr .. who taught me to find the fun in wine making and to be willing to take risks. He also set an example for moving the bar higher as we continually strive to make better and better wines. Like our other Conundrum offerings, Conundrum Red is sourced from premier wine growing regions in...
Episode 100…. 100 episodes, I can’t believe it!! When I first started Wine and Dime, I didn’t know how long it would last. And now that I’ve been doing it for a couple of years, I don’t know what I’d do without it! I’ve had incredible guests and great talks, and of course, great wine along the way. Thank you for all of your support over these 100 episodes, and here’s to 100 more! à votre santé! In this episode of Wine and Dime I chat with someone I have a lot in common with, Lauren Zangardi Haynes. Lauren is the owner if Spark Financial Advisors. Lauren and I talk about starting our own female owned Fee Only Financial Planning Practice, where we are both passionate about helping our clients in any way that we can. We talk about some of the struggles along the way, and how we overcame those struggles to build a thriving business. I think this episode really shows the entrepreneurial spirit that is within us, and showcases the spirit that drives her.
Meet Laurenhttps://www.facebook.com/SparkFinancialAdvisors/ (FACEBOOK) https://www.linkedin.com/in/laurenzangardihaynes/ (LINKEDIN) https://twitter.com/LaurenZHaynes (TWITTER)Email: lauren@sparkfinancialadvisors.com Phone: (804) 451-1210 Certified Financial Planner™ Certified Investment Management Analyst™ With over 14 years in the financial services industry working for U.S. Trust (Bank of America’s Private Bank) and as a Fee-Only financial planner I’ve fielded a lot of questions. My favorite is, “How do I know I’m doing the right thing with my money?” I get it. Most of us weren’t taught about personal finance in school or at home. Yet now you find yourself responsible for managing your financial future and frankly, it’s a little bewildering. Building strategies for myself (and now for my clients) gives me the certainty I need to make crucial decisions about saving for retirement and college, reducing our taxes, and knowing where and how to invest our money. The best part of my job is getting to know what my clients cherish, collaboratively building a solid financial plan that supports your best life, and seeing it put into place. It is truly an honor to walk with my clients on their financial journey.
What’s your big dream?Let’s talk about how to get there.
https://sparkfinancialadvisors.com/about/ () SPARK FINANCIAL ADVISORS WORKS HARD TO BUILD A FOUNDATION FOR YOUR WEALTH: LIFE PLANNING PROCESS TAX-SAVVY SAVING & INVESTING FIDUCIARY ADVICE PUTS YOU FIRST BUILD FINANCIAL CONFIDENCE STICK TO YOUR PLAN MANAGE RISKMORE THAN A FEE-ONLY FINANCIAL PLANNERAt Spark Financial Advisors we blend Fee-Only financial advice with life planning. Our holistic look helps your future come into sharp focus. Let’s work together to find creative ways to achieve your goals and solve problems.
https://www.keukaspringwinery.com/product/2018-EPIC-RESERVE (Keuka Spring Vineyards)https://www.keukaspringwinery.com/product/2018-EPIC-RESERVE (Epic Reserve)Epic Reserve is a rich blend of Finger Lakes Cabernet Sauvignon, Cabernet Franc and Merlot. While fermenting, we "rack and return" the wines -- called délestage in French -- to increase oxygenation and improve extraction of color, flavor and tannin. The result is a wine of distinction and depth with ripe berry notes that pairs beautifully with juicy meats like steaks, pork roasts or chops, pasta with white or red sauces, and other hearty dishes. Serve at cool room temperature (60-65 F). Bring a bottle to dinner with friends!
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, I sit down with Kelly Skeval. Kelly is a NYS Licensed Real Estate Associate. In this episode, you can see that Kelly is very driven and takes that drive to make a good revenue stream for her and her family. We go through her beginnings in this field and she shares how she built up her rental units and took that into a career in real estate. It was a fantastic conversation that shows where a strong entrepreneurial can lead you.
About Kelly Skevalhttps://www.facebook.com/pg/kellyskevalrealestateagent/about/?ref=page_internal (FACEBOOK)https://www.linkedin.com/in/kellyskeval/ (LINKEDIN)A Licensed Associate Real Estate Broker on the Jolene Rightmyer-Macolini Team at Howard Hanna. Kelly moved to Ithaca in 2005 after attaining her degree in Veterinary Technology and continued her career in veterinary medicine at Cornell University until her first child was born. Kelly had an active interest in real estate long before her and her husband, a Trumansburg native, decided to purchase their first home. When they did, they turned it into an owner occupied duplex and were able to use that foundation to further expand their real estate portfolio to include 5 properties and 10 units. In addition, Kelly and her husband owned a home energy auditing business. Being a BPI certified energy auditor she was able to assess homes and building envelopes then make recommendations to homeowners on how to make improvements that would save energy and make their homes more efficient. It is Kelly’s knowledge in many aspects of real estate including but not limited to single family buying and selling, rental properties, new construction, property management, building envelopes and business ownership that make her an ideal person to help you in your real estate endeavors. Purchasing or selling a home is a big decision and Kelly prides herself on offering quality customer service along with knowledge and compassion. In her spare time, Kelly enjoys spending time with her husband and their three small children exploring the Finger lakes region and all that it has to offer. ADDITIONAL CONTACT INFOKELLY@SELLSYOURPROPERTY.COMhttps://kellyskeval.howardhanna.com/?fbclid=IwAR3GmipY2uEyMp_g46u-MwBkQdC7Dm_JZA7Z_IbzbJtaZIiDodmi4-V6msU (HTTPS://KELLYSKEVAL.HOWARDHANNA.COM)
https://stbcbeer.com/beers/ipa/ (Southern Tier IPA)TIMELESS TASTE, TRUE HOP FLAVORINDIA PALE ALEOur IPA is timeless - brewed for those who give a damn about a well-crafted beer. As one of our original beers, its quality and consistency helped grow the popularity of IPAs from the ground up. The citrus and pine hop profile balanced by a subtle caramel sweetness are standard for a classic American IPA. Treasure this IPA that is vigorously triple-hopped on its journey from our tanks to your glass.
FOOD PAIRINGSDry rubbed BBQ Red meat & burgers Curries & spicy foods Pizza & wings
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, I have the pleasure of talking to Tina Kilroy and Sarah Holden. Tina and Sarah work for the http://www.icief.org/about.html (Investment Company Institute)(ICI), and specialize in retirement planning and 401k education. We chat about all things related to the education of your different retirement options. The two are very passionate about what they do, and you can really tell in this episode. Check out the http://www.icief.org/about.html (ICIEF) website for countless resources to help you make educated discussions when it comes to retirement an investments. We even get around to talking about some of our favorite wines. Check the notes below for that recommendation. So sit on back, pop open a bottle of your favorite vino and enjoy this conversation! BIOGRAPHY Sarah Holden is Senior Director of Retirement& Investor Research at the Investment Company Institute (ICI), the leading association representing regulated funds globally, including US mutual funds and exchange-traded funds (ETFs). Sarah has a PhD in economics and has studied retirement trends and policy, as well as the behavior of investors, for decades. She uses humor and plain English to make retirement and investment concepts clear.
Christina“Tina”Kilroy is vice president of the ICI Education Foundation (ICIEF), leading the efforts of the Investment Company Institute to develop and deepen investor education resources and to partner with ICI members and other organizations to enhance financial literacy. Tina has a great understanding of the best financial education resources available, and can offer listeners insights based on their needs.
About the Investment Company Institute Education FoundationFormed in 1989, the ICI Education Foundation (ICIEF) is the educational affiliate of the https://www.ici.org/ (Investment Company Institute), the leading global association of regulated funds. ICIEF partners with government agencies and other nonprofit organizations to develop, deliver, and promote investment education programs to a variety of specific audiences. The foundation also participates in financial education advocacy coalitions, conferences, and initiatives that promote saving and investing nationwide. Since 2010, ICIEF has partnered with Junior Achievement of Greater Washington (JA) through its Finance Park program for middle-school students. ICIEF’s contribution includes an educational exhibit and interactive game at Finance Park locations in Fairfax County, VA, and in Montgomery County and Prince George’s County, MD. http://www.icief.org/programs/index.html (Learn more about ICIEF’s partnership with JA). For more information about ICIEF, please contact Tina Kilroy, vice president, or Mike McNamee, president, and follow ICIEF on https://twitter.com/icief (Twitter), https://www.facebook.com/icief.org (Facebook), and https://www.linkedin.com/company/icief (LinkedIn).
https://www.veritaswines.com/ (Veritas Vineyards and Winery) began in 1999 when Andrew and Patricia Hodson planted 5 acres of grapes as a passion project. Over the past two decades, Veritas has grown to include over 50 acres of vineyards and has succeeded in consistently producing a range of complex and elegant wines.
https://www.veritaswines.com/project/viognier/ (Viognier). Veritas. Virginia.Viognier is our specialty white wine and the declared white wine of Virginia. We love Viognier made in a style that emphasizes the unique aromatic complexity of the grape. Pale gold in color, delicate orange blossom precedes aromas of ripe peach, apricots and orange zest. Deliciously opulent, the uplifting rush of apricot and peach are embedded in a rich mouthfeel that gradually fades into a tantalizingly long finish. PAIRINGS: Peaches, Lobster, Shrimp and Grits, Thai Food
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake
Welcome back Wine and Dime listeners. This was a very different kind of episode than we normally have. I had the distinct pleasure of chatting with Carrie Gibson. Carrie is the Author ofhttps://www.amazon.com/NEVER-ALONE-DARKNESS-Shared-Journey-ebook/dp/B07Z6LVBWB ( NEVER ALONE IN THE DARKNESS: The Shared Journey of Losing a Child.) The book tells Carrie’s story of what no Mother should ever have to go through, the death of a child. In this episode we talk about the grieving process, and the support systems to help people get through these traumatic events. We also talk about some of the financial situations that arose since that day, and continue to present themselves. This book and this episode is very emotional. So stop on in and listen to this incredible story of sadness and resiliency. Carrie Gibsonhttps://www.facebook.com/Never-Alone-in-the-Darkness-The-Shared-Journey-of-Losing-a-Child-116578603084235/ (FACEBOOK BOOK PAGE) https://www.facebook.com/carrie.gibson.545 (FACEBOOK PAGE)My ability to adapt to different situations in life came from growing up in a professional baseball family, which made it necessary to jump in and out of schools across the country each year (sometimes 4 moves per year). I also am a mother of two boys, having lost the eldest in 2017, when he was 29 and unmarried. I was forced into learning what needed to be done to handle his finances and affairs without any guidance. No grieving mom is ever alone in the way she feels daily. There are thousands of grieving moms who feel the same way she does. Although each person "deals" with the loss differently, we have all felt the same emotions at some point. Also, since the death of one's child affects every aspect of one's life, it is imperative that individuals who have never experienced the loss of a child understand what a grieving mom goes through emotionally and mentally. Finally, a grieving mom needs to know there are some things that need to be considered and addressed (especially when it comes to an adult child who is single) from a legal and financial perspective. In my book, https://www.amazon.com/NEVER-ALONE-DARKNESS-Shared-Journey-ebook/dp/B07Z6LVBWB (Never Alone in the Darkness The Shared Journey of Losing a Child), I write about how to handle an adult deceased child's student loan debt, taxes, paychecks, leased vehicles.
https://www.amazon.com/NEVER-ALONE-DARKNESS-Shared-Journey-ebook/dp/B07Z6LVBWB (NEVER ALONE IN THE DARKNESS )The Shared Journey of Losing a Child was written by a grieving mother who lost her oldest child in 2017. Feeling isolated, walking on the edge between reality and insanity, she had no idea if what she was feeling was normal. Had other mothers experienced the same emotions when they went through the nightmare of their loss? Finding purpose in her pain, she put her deepest emotions into words so other mothers would always have a reference to read, at any given point in their grief, to identify with a mother who knew firsthand what they were feeling. It was her hope these grieving mothers would then never feel alone in their own journey. She also discovered her words provided a better understanding of grieving mothers to those who had never experienced the unimaginable darkness of losing a child.
http://www.drfrankwines.com/wine-detail.asp?Wine=2&WineType=1 (Dr. Konstantin Frank Riesling, Dry)THE WINE An expressive style with dominant characters of minerality, grapefruit, lime and soft apricot. The crisp lime-driven acidity enhances the distinct Keuka Lake minerality, rounded by stone fruit and ginger. FOOD PAIRING Shrimp Ceviche with Avocado, Baked Brie with Apricot Jam, Jalapeño and Tomatillo Snapper, Riesling Coq Au Vin.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/...
In this episode, I chat with Jill Vitale-Aussem. Jill is the author of https://www.amazon.com/Disrupting-Status-Quo-Senior-Living/dp/1938870824 (Disrupting the Status Quo of Senior Living: A Mindshift) and the President and CEO of https://www.edenalt.org/ (The Eden Alternative). Jill has a deep passion about impacting the field of elder care with honesty and authenticity about the mistakes she’s made and what she’s learned along the way. The fact that she loves to do public speaking and writing helps bring her ideas to people. Negative views of aging are all around us (and in our own heads). It is causing incredible harm to each of us and our society. There are some simple things we can do to change that! It starts with each of us. If you are in need of a little direction for yourself or your loved ones, this is the episode for you. Be sure to rate and subscribe, and enjoy the show!
Jill Vitale-Aussemhttps://www.linkedin.com/in/jill-vitale-aussem-70954a2/ (LINKEDIN)I've always had a rebellious streak and a tendency to push back against the status quo. While this didn't always serve me well in my teen years, I realize this is what drew me to this work and helps me to be successful in changing the way we view aging and the way we care for and support older people. Jill joined the Eden Alternative at the 9th Eden Alternative International Conference in May 2018. Formerly at Christian Living Communities as Executive Director of Clermont Park Retirement Community, she led the community through a $75 million redevelopment project and complete cultural transformation using the principles of the Eden Alternative. In her role as COO, Jill was responsible for guiding the operations of multiple communities and achieving excellence through the use of person-directed principles and practices. Jill earned a Master of Management in Hospitality degree from Cornell University School of Hotel Administration and holds a Bachelor of Science in Business Administration degree from Alfred University. She is a licensed nursing home administrator, certified assisted living administrator, LeadingAge Leadership Academy Fellow, Eden Alternative Path to Mastery Guide, and a Certified Eden Educator. She has been involved with the Eden Alternative since 2007. Jill is passionate about creating community cultures of innovation, possibilities, inclusivity, growth and empowerment and writes and speaks nationally on the topics of culture, leadership and ageism.
https://www.amazon.com/Disrupting-Status-Quo-Senior-Living/dp/1938870824 (Disrupting the Status Quo of Senior Living: A Mindshift)With 10,000 baby boomers turning 65 each day, the need for senior living is growing at a steep rate, and the aging services field has been hard at work preparing for these new customers. Current practices aim to bring the kind of comfort and amenities enjoyed at hotels and resorts to the settings we create for older adults to live in. But what if these efforts are misdirected? Interweaving research on aging, ideas from influential thinkers in the aging services field, and the author’s own experiences managing and operating senior living communities, Disrupting the Status Quo of Senior Living: A Mindshift challenges readers to question long-accepted practices, examine their own biases, and work toward creating vibrant cultures of possibility and growth for elders. Shining a light on her own professional field, Jill Vitale-Aussem exposes the errors of current thinking and demonstrates how a shift in perspective can effect real cultural transformation. Her book delves into society’s inherent biases about growing older—where ageism, paternalism, and ableism abound—and provokes readers to examine how a youth-obsessed culture unconsciously impacts even the most well-meaning senior living policies, practices, and organizations. Deconstructing the popular hospitality model, for example, Vitale-Aussem explains how it can...
Welcome to the first episode of 2020 Wine and Dime listeners!! This is part two of the podcast with fellow podcaster and financial planner, Paul Benson. Paul has a podcast called https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Financial Autonomy), that focuses on financial strategies to give you choice. Each episode is a short and sharp 15 minutes or so, and aims to provide you with actionable content that can help you achieve your goals. In part two of this podcast, we dive into Paul’s journey into starting his own practice and his own podcast. It was a wonderful conversation, that I’m sure you will all enjoy. If you enjoyed this episode, please rate and subscribe to the show. And be sure to check out Paul’s https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Podcast) at the links listed below!
Paul Benson Paul BensonPODCAST - https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (FINANCIAL AUTONOMY)https://www.guidancefs.com.au/ (GUIDANCE FINANCIAL SERVICES)https://www.linkedin.com/in/paulbensonaustralia/?originalSubdomain=au (LINKED IN)ABOUTIf your goal is to work 9-5, 5 days per week, for 40 odd years, and then retire at 60 or 65 and start living life, then I'm not the financial planner for you. But if instead, you're looking to gain choice in life, to embrace the amazing possibilities that now exist for a varied working life, and are keen to enjoy the journey, not put everything off until "retirement", then we should talk.
https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Financial Autonomy) is an audio blog focused on financial strategies to give you choice. Hosted by Certified Financial Planner Paul Benson, each episode is a short and sharp 15 minutes or so, and aims to provide you with actionable content that can help you achieve your goals.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Happy Holidays Wine and Dime listeners! This is part one of a two part podcast with fellow podcaster and financial planner, Paul Benson. Paul has a podcast called https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Financial Autonomy), that focuses on financial strategies to give you choice. Each episode is a short and sharp 15 minutes or so, and aims to provide you with actionable content that can help you achieve your goals. In part one of this podcast, Paul more or less interviews me about what led me to start my planning firm which is now Rooted planning Group. Part two covers Paul’s journey into starting his own practice. It was a wonderful conversation, that I’m sure you will all enjoy. If you enjoyed this episode, please rate and subscribe to the show. And be sure to check out Paul’s https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Podcast) at the links listed below!
Paul Benson Paul BensonPODCAST - https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (FINANCIAL AUTONOMY)https://www.guidancefs.com.au/ (GUIDANCE FINANCIAL SERVICES)https://www.linkedin.com/in/paulbensonaustralia/?originalSubdomain=au (LINKED IN)ABOUTIf your goal is to work 9-5, 5 days per week, for 40 odd years, and then retire at 60 or 65 and start living life, then I'm not the financial planner for you.
But if instead, you're looking to gain choice in life, to embrace the amazing possibilities that now exist for a varied working life, and are keen to enjoy the journey, not put everything off until "retirement", then we should talk.
https://podcasts.apple.com/us/podcast/financial-autonomy/id1248168458 (Financial Autonomy) is an audio blog focused on financial strategies to give you choice. Hosted by Certified Financial Planner Paul Benson, each episode is a short and sharp 15 minutes or so, and aims to provide you with actionable content that can help you achieve your goals.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners. In this day and age of all things online, cyber security is of the utmost importance! That’s why this weeks episode is so important. Steve Ryder is the owner of a Cyber Security company called https://www.truenorthnetworks.com/ (True North Networks). True North Networks provides IT Support, such as technical helpdesk support, computer support, and consulting to small and medium-sized businesses. It's always been their goal to provide enterprise-level IT practices and solutions to the small business sector, with small business prices. Their experience has allowed them to build and develop the infrastructure needed to keep prices affordable and their clients up and running. Steve also shares some great tips to help keep your accounts secure online. So sit on back and pop open a open a bottle of your favorite beverage and enjoy this episode.
Steve RyderFACEBOOK - https://www.facebook.com/brightsolutions/ (@BRIGHTSOLUTIONS)Steven started the company on April 1, 2002 originally as WAN Strategies. Initially he had a partner, however as the company struggled early on to survive, he ended up buying out his partner in hopes he could turn the company around. They originally started out becoming experts in SSL VPN technology at the time, which was leading edge during those years as something to differentiate themselves from the competition. It took a few years to begin to see the fruits of their labor. Eventually in 2007, for better name recognition (and a Rotary dare!), Steven decided to change the name of the company to True North Networks. He has well over 25 years in finance and technology fields and the company has clients spread out across the United States. He enjoys coming to work each day as he has an incredible team that works extremely well together to provide amazing support to their customers. You can hear Steve speak around the country to financial service companies. View his http://rmaconnect.com/speakers-and-trainers/steven-ryder (RMA Connect Profile). You can also view his https://www.truenorthnetworks.com/component/jevents/eventsbycategory/-?Itemid=810 (current schedule) of events Steve will be speaking at.
IT Services Done DifferentlyThe Mission of True North Networks Our mission as a fiduciary is to create a foundation for the success and well-being of our clients, our employees, and the communities in which we serve. Our Goal Directly from our CEO Our goal is to be a trusted technology advisor. We pledge to give straight answers that enable our clients to be fully engaged when making decisions. We work with premier, cost effective solutions, and always seek to find the right solution for each client by understanding their needs. Established in 2002 as a secure, remote-access provider, we have since diversified into a full-fledged managed service and private cloud hosting provider, and specialize in supporting financial institutions, health care, education, construction and manufacturing industries, as well as many other professional and non-profit organizations. True North Networks is actively involved in our community. We donate a percentage of our profits, each year, to local charities and non-profit organizations. We hope you will see the value in partnering with us, and hope to hear from you soon.
WE'RE ALL IN THIS TOGETHERWe're in this business to help other small businesses grow and move forward. It's as simple as that. We're driven by the philosophy that if we help local businesses solve their IT issues so they can become more profitable and successful, then we will inherently grow along with them. There is no catch, no gimmick, just experience and best practices that we've honed over the years to make our services work for YOUR business needs.
THIS EPISODE WAS PRESENTED BY
Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail )
AMY IRVINE...
Welcome back Wine and Dime Listeners! In this episode I have the distinct pleasure of talking to UMSI President Lindsey Johnson. Lindsey and I chatted about range of topics such as the 20% down payment myth, the housing market crash, her time working on Senate Banking Committee’s National Security and International Trade and Finance (NSITF)Subcommittee, and as the title of the show suggests, millennials and mortgages. We even got around to talking about one of her favorite wines. Check out the show notes below for all some additional information on some of the topics we discussed. So, sit on back, pop open a bottle of your favorite beverage, and enjoy the show!
Lindsey Johnsonhttps://twitter.com/lindseyusmi?lang=en (@LINDSEYUSMI)https://twitter.com/USMI_info (@USMI_INFO )BIOGRAPHY Lindsey Johnson currently serves as President of U.S. Mortgage Insurers (USMI). USMI is the nation's leading private mortgage insurance association. comprised of five of the six U.S. mortgage insurance companies in the country. As President of USMI. Lindsey works with member companies to advance the value of private mortgage insurance (Ml) to borrowers and taxpayers and to promote a sustainable housing finance system backed by private capital. Lindsey previously served as a Director on PWC's public policy team. Prior to joining PWC, Lindsey was a former member of the Senate Banking Committee staff as the Republican Staff Director for the Senate Banking committee's National Security and International Trade and Finance (NSITF) Subcommittee, and as a Senior Policy Advisor to Senator Mark Kirk (R-lllinois), focusing on noteworthy banking, housing finance reform. and insurance legislation. Lindsey also served as Director for the Federal Horne Loan Bank of Atlanta for seven years. representing the Bank in D.C. at the highest levels of government during several key legislative reforms that impacted the Bank including the Housing and Economic Recovery Act of 2008 and Dodd-Frank Act. Lindsey began her career in D.C. working with former House Republican Conference Chair J.C. Watts in the private sector. She received an MBA from Georgetown University. Lindsey also serves as a Director on the Board, and immediate past-president of Women in Housing and Finance (www.whfdc.org), is a Director on the Board for Habitat for Humanity Northern Virginia, and an Advisory Board Member for the Georgetown University McDonough School of Business Advisory committee.
http://www.usmi.org/about-usmi/ (ABOUT USMI) U.S. Mortgage Insurers (USMI®) is dedicated to a housing finance system backed by private capital that enables access to housing finance for borrowers while protecting taxpayers. Mortgage insurance offers an effective way to make mortgage credit available to more people. USMI is ready to help build the future of homeownership. As policymakers focus on the need to create a strong, stable housing finance system, today’s mortgage insurance (MI) industry is well positioned to ensure access to home ownership while protecting taxpayers. MI enables broader access to homeownership, including for first time homebuyers, by protecting against credit losses. USMI members are focused on ensuring that creditworthy borrowers continue to have access to affordable and sustainable mortgages within a well-functioning U.S. housing finance system. Five of the six active U.S. mortgage insurance companies – Essent, Genworth, MGIC, National MI, and Radian – are the founding members of USMI. The organization is open to all active U.S. MI companies.
https://www.lowdownpaymentfacts.com/ () Click Image to “Get the Facts About Low Down Payment Options”
https://www.quilcedacreek.com/wines/2016-quilceda-creek-cabernet-sauvignon.html (Quilceda Creek )https://www.quilcedacreek.com/wines/2016-quilceda-creek-cabernet-sauvignon.html (Cabernet Sauvignon )Paul Golitzin, Director of Winemaking, comments: We are pleased to announce the private release of our...
In this episode of Wine and Dime, I discuss a phrase that is going around… “Crushing It”. I know crushing it is supposed to be a good thing, but from my perspective, I think the more appropriate term is “Fermenting It” Join me in this episode, where I explore that topic and share some ups and downs for 2019, and some ways that we are going to “Ferment It” in 2020.
Hello again Wine and Dime listeners! In this episode I get to talk to “The Boss Lady” herself, Krista Goodrich. Krista is the Author of a fantastic book called https://www.amazon.com/Boss-Lady-Investor-Understand-Money/dp/0359766412 (The Boss Lady Investor: You Don't Need a D!*k to Understand Money). She takes through her life and helps us see why this is such a great book. We talk about Wine, Marriage (and Divorce), along with a whole heap of other topics. So pop open a bottle of your favorite wine and enjoy this chat with an incredible woman!
https://www.bossladyinvestor.com/ (THE ORIGINAL BOSS LADY INVESTOR:)KRISTA GOODRICHauthorKrista Goodrich lives in Daytona Beach, Florida, with her husband, Colin, and their dogs. She is Momma to her college-aged daughter. A lifelong serial entrepreneur, Krista continues to invest in real estate and businesses, always looking for new opportunities. Currently, she is partner in or owner of 17 different companies and looks forward to continuing to build her empire. She loves https://www.bossladyinvestor.com/speaking (presenting) at corporate conferences and for women’s groups, and actively participates in organizations that help and empower women. A former Financial Advisor and Mutual Fund National Sales Coordinator, Krista loves sharing Investing and Saving 101 tips with corporate teams and helping them learn how to maximize their retirement plan. For entrepreneurs, Krista shares actionable tips on how to start a company on a shoestring budget. As a community activist, Krista is involved in her local government and local business organizations. When she's not writing, volunteering, or investing, she spends her free time boating, fishing, diving, surfing, traveling, and working out. https://www.amazon.com/Boss-Lady-Investor-Understand-Money/dp/0359766412 (The Boss Lady Investor: You Don't Need a D!k to Understand Money)https://www.amazon.com/Boss-Lady-Investor-Understand-Money/dp/0359766412 () BOSS LADIES! Are you ready to stop being intimidated by money and instead, take control of your financial life? If Robert Kiyosaki's Rich Dad Poor Dad and Rachel Hollis's Girl Wash Your Face had a baby, this book would be it! This hilarious take on personal finance for women will get you learning and laughing at the same time. Ready to get out of debt? Grow your retirement? Increase your savings? Build a life of wealth, so you can do the things you REALLY want to do? The Boss Lady Investor: You Don't Need a D!K to Understand Money is the go-to book for women looking to understand personal finance, saving, debt, investing, real estate, and more. This entertaining and relatable book explains, from a woman's point-of-view, how to understand the stock market, plan for the unexpected, and build yourself to a level of wealth beyond your wildest dreams. Jam-packed with ideas, information, and real-life examples, The Boss Lady Investor will get you started on your way to financial freedom. Want to have a wildly successful life? Then get ready to dive into this book and take the reins on your financial future.
LISTEN UP LADIESTune in to The Boss Lady Investor™ Podcast hosted by author Krista Goodrich & hear: sneak peeks of chapters from the https://www.amazon.com/gp/product/0359766412?pf_rd_p=183f5289-9dc0-416f-942e-e8f213ef368b&pf_rd_r=2SV5ST0NP99N6BQCHFHP (book), interviews with down-to-earth Boss Ladies just like you, and all the great advice and tips we couldn't fit into the book.
FIND THE BOSS LADY INVESTOR PODCASTON YOUR FAVORITE PLATFORMhttps://podcasts.apple.com/us/podcast/the-boss-lady-investor-podcast/id1481133814 (Itunes) https://open.spotify.com/show/7hfO0qNOJwmiHObr63DZ3T (Spotify) https://www.buzzsprout.com/361163 (Buzzsprout)
https://fernhook.com/fernhook-sauvignon-blank-2018/ (Fernhook Sauvignon Blank 2018)...
Thank you for tuning into a very special edition of Wine and Dime. In this episode I talk with Mike Martino. Mike is an attorney and partner at the firm of Rossettie Rosettie & Martino. His practice is primarily a Trusts and Estates practice with special emphasis on the area of law known as Elder Law, including Medicaid Planning, Long Term Care Planning, Asset Protection and related Nursing Home issues. Mike offers his Elder Law clients a variety of strategies including asset protection trusts, annuity planning, promissory notes and other devices to preserve clients’ assets. This was great conversation that everyone can get some great information from.
https://www.rrmlaw.com/mjm (Michael J. Martino)PartnerMichael J. Martino is a partner in the firm of https://www.rrmlaw.com/ (Rossettie Rosettie & Martino LLP). His practice is primarily a Trusts and Estates practice with special emphasis on the area of law known as Elder Law, including Medicaid Planning, Long Term Care Planning, Asset Protection and related Nursing Home issues. This practice includes the preparation and filing of Medicaid Applications on behalf of clients and direct communications with Departments of Social Services in many counties of New York, including Steuben, Chemung, Schuyler, Tompkins, Allegany, Monroe, Madison and St. Lawrence Counties and others in upstate New York. Mr. Martino offers his Elder Law clients a variety of strategies including asset protection trusts, annuity planning, promissory notes and other devices to preserve clients’ assets. Mr. Martino’s Trusts and Estates practice involves all types of estate planning, including Wills, Trusts, Special Needs Trusts, Powers of Attorney, Health Care Proxies along with Estates, Probate and Administration and Guardianship Proceedings. Mr. Martino was admitted to practice law in New York in 1987. He graduated from Western New England School of Law in 1986 and received his BA from Fordham University, Bronx, New York in 1983. Mr. Martino is a member of the National Academy of Elder Law Attorneys, the New York Bar Association and the Steuben County Bar Association. For the past 25 years he has given numerous lectures and presentations to many local and statewide senior citizen organizations, service clubs and pre-retirement groups. Mr. Martino resides in Corning, New York with his wife, Ann.
https://www.rrmlaw.com/contact (Contact Us)Rossettie Rosettie & Martino LLP 269 West Pulteney Street Corning, New York 14830 (607) 936-3739
This episode was presented byAmy IrvineAND IN COLLABORATION WITHhttps://senecalakewine.com/ (The Seneca Lake Wine Trail) AMY IRVINEROOTED PLANNING GROUP10 EAST MARKET STREETCORNING NY 14830http://www.rootedpg.com/ (WWW.ROOTEDPG.COM)EMAIL: AMY@ROOTEDPG.COM
In this episode of Wine and Dime, I have the pleasure of speaking with Rutgers Professor, Dr. Barbara O’Neill. Barbara will be a guest speaker at this years Southern Tier Women’s Financial Conference, and we couldn’t be more excited. There is still time to get your tickets! See the links below for more details. This episode of Wine and Dime focus’s on how your finances can have effect on your health. We also cover topics around money decisions, money mistakes, and money advise. So sit on back and enjoy the episode, and remember, Life is about events, supported by dollars and cents!
Dr. Barbara M. O'NeillTWITTER - https://twitter.com/moneytalk1 (@MONEYTALK1)EXTENSION SPECIALIST IN FINANCIAL RESOURCE MANAGEMENTPhone: 848-932-9126 Fax: 732-932-8887 Email: oneill@njaes.rutgers.edu Expertise: Financial Resources Management Dr. Barbara O’Neill is a Distinguished Professor at the Rutgers School of Environmental and Biological Sciences, and is Rutgers Cooperative Extension’s Extension Specialist in Financial Resource Management. From August 1978 to June 2004, she was Family and Consumer Sciences Educator in Sussex County, N.J. and taught over 1,100 classes and speaking engagements to over 24,000 adult learners. She is also project director for the national Cooperative Extension basic investing program, Investing for Your Future. Dr. O’Neill is a prolific writer and has written over 1,500 consumer newspaper articles and over 100 articles for academic journals, conference proceedings, and other professional publications. She is a certified financial planner (CFP), chartered retirement planning counselor (CRPC), accredited financial counselor (AFC), certified housing counselor (CHC), and certified in family and consumer sciences (CFCS). Dr. O’Neill has held various leadership roles in state and national professional associations and served as president of the Association for Financial Counseling and Planning Education (AFCPE) in 2003. She is the author of two trade books, Saving on a Shoestring and Investing on a Shoestring, and co-author of Money Talk: A Financial Guide for Women. She has also written three financial case study textbooks, an online Guidebook to Help Late Savers Prepare for Retirement, and six book chapters. Dr. O’Neill received her Ph.D. in family financial management in 1995 from Virginia Tech and holds a master’s degree in consumer economics from Cornell University and a B.S. in home economics education from the State University of New York at Oneonta. https://njaes.rutgers.edu/sshw/ (Small Steps to Health and Wealth™)Rutgers New Jersey Agricultural Experiment Station (NJAES) Cooperative Extension's major health finance initiative is Small Steps to Health and Wealth™. This program is designed to motivate consumers to implement behavior change strategies that simultaneously improve their health and personal finances.
https://njaes.rutgers.edu/money/ (Personal Finance)PROGRAMShttps://njaes.rutgers.edu/healthfinance/ (The Financial Aspects of Health) http://www.investing.rutgers.edu/ (Investing For Your Future (home study course)) https://njaes.rutgers.edu/sshw (Small Steps to Health and Wealth)
CONSUMER TO CONSUMER VIDEO SERIEShttp://youtu.be/Gtav_5jcPcI (Good Ideas for Tough Times) http://youtu.be/3MY_6XGsJN4 (Money Management) http://www.youtube.com/watch?v=hPLw9rEtFt4&feature=share&list=PLKx8NLAujm_mZC-hR13gyp56akQii5ltd&index=2 (Expense Reduction) http://www.youtube.com/watch?v=OZeNbDnEmLY&list=PLKx8NLAujm_mZC-hR13gyp56akQii5ltd&feature=share&index=3 (Shopping) http://www.youtube.com/watch?v=KNe_9p8lyQU&list=PLKx8NLAujm_mZC-hR13gyp56akQii5ltd&feature=share&index=4 (Bartering) http://www.youtube.com/watch?v=1D05ivmDs9w&list=PLKx8NLAujm_mZC-hR13gyp56akQii5ltd&feature=share&index=5 (Do It Yourself)...
In this episode of Wine and Dime I chat with self proclaimed nerd, Ryan Inman. Ryan is a very driven individual who keeps himself very busy with many different endeavors! He owns a fee only financial planning practice specializing in Doctors called https://physicianwealthservices.com/ (Physician Wealth Services), has a podcast called https://financialresidency.com/ (Financial Residency), and helped launch an online student loan helper called https://www.loanbuddy.us/ (Loan Buddy). Ryan is truly passionate about helping people with their Student Loan Debt, and I guess that’s why we get along so well. We talk about all those things and much more, so be sure to tune in a check it out!
Ryan InmanI graduated from the University of San Diego (USD) with a BA in Business Administration, an MA in Accounting and Financial Management, and an MA in Business Administration. During grad school, I worked at Merrill Lynch under a fantastic advisor, but soon realized that the average advisor in the industry was more concerned with selling financial products and obtaining new clients with investable assets than working with those who could really use the financial guidance to succeed in life. That really turned me off from the industry, so I switched gears and worked for KPMG in public accounting. During my second year, I was fortunate to run into an old friend who was a CFP® and a fee-only financial planner. He introduced me to the concept of fee-only financial planning, where planners put their clients first, don’t sell products, and are true fiduciaries. It sounded too good to be true. I decided to join his firm where I had an amazing hands-on experience learning what true financial planning was all about – working with clients and helping them achieve their financial goals! While I enjoyed my time there, I ultimately learned I didn’t want to work with the ultra-wealthy as much as young physicians who were starting their careers and could really benefit from truly unbiased, quality financial advice. I have an intimate knowledge of the pains, struggles, and joys that come from a career in medicine. I know what it’s like to be buried in debt while your physician spouse makes next to nothing and spends every fourth night in the hospital. I understand what you’re going through; my wife and I have been there. I started my fee-only practice to help physicians sleep well at night knowing they have a trusted advisor who is guiding them toward financial independence. This is my family practice. My goal is to take care of you while you take care of your patients. I’ll be accessible when you are – in the evenings after you get your kids to bed, during your commute home, or in between patients. Short of the overnight shift, consider me on-call.
https://physicianwealthservices.com/ (Physician Wealth Services) (PWS) is a fee-only financial planning practice helping physician families take control of their finances to position themselves for a bright financial future. Sleeping well at night knowing they have a trusted advisor who is guiding them toward financial independence is exactly why we’re here. Our goal is to take care of you while you take care of your patients. We will be accessible when you are – in the evenings after you get your kids to bed, during your commute home, or in between patients. Short of the overnight shift, consider us on-call. Providing trustworthy, unbiased financial advice to dedicated, hard-working people like you and our own families demonstrates our passion to walk with you on your financial journey. https://calendly.com/physicianwealthservices/introductory (Schedule a time) to discuss how we can help get you onto the right path.
https://financialresidency.com/ (About Financial Residency)Financial Residency is made up of hundreds of attendings, residents, and their spouses (800+ to be more exact!) who just about had it with their financial challenges. They know how it feels to struggle...
n this episode of Wine and Dime I have a great conversation with someone who like me has two passions in life. Where mine is Personal Finance and Wine, hers is Law and Wine. My guest, https://www.eghlawoffice.com/ (Elizabeth Hill), has her own law practice in Texas, and also owns her own Winery called https://www.burkleehillvineyards.com/ (Burklee Hill Vineyards). We had a wonderful talk about the complexity of owning your own law practice, owning your own vineyard, and raising a family. So, sit on back, pop open a bottle of your favorite wine and enjoy the show.
Do you hate annuities? In this episode of Wine and Dime, I chat with Robert Barnes, and he’s here to talk about the facts about annuities! Robert is the President of Integrated Insurance Consulting. They partner with advisors to help them serve their client protection needs, and offer support with basic insurance, business, and estate planning. Roberts years of experience led to a great conversations with lots of stories that gives him great insight. This was a great conversation that gets you thinking about retirement and as the title says, tackles some myths about annuities. And even though Robert doesn’t consider himself much of a wine drinker, he shared an Almond sparkling wine that sounds great! So pop open a bottle of your favorite beverage and enjoy the episode!
On this episode of Wine and Dime, I get the opportunity to sit down Michele Johnson. Michele serves as the CEO of the YWCA of Elmira. We have a great conversation about the organization, how she became a part of it, what the do, and how you can help. So have a listen to this episode about a very passionate women, who seeks to empower women of any age, race, or situation!
Welcome back Wine and Dime listeners. In this episode I welcome the honorable Judge John Ninfo II. Judge John is a retired bankruptcy judge who also founded https://care4yourfuture.org/ (CARE (Credit Assistance Resistance Education)). In this episode John shares some great stories about the importance of personal finance education, the founding of CARE, and even we even talk about the wines that he like and his true enjoyment of a good scotch. You can read some of Judge Johns weekly columns at https://www.mpnnow.com/search?start=1&text=Ninfo (mpnnow.com), just search for search Ninfo. If you enjoyed the episode, please be sure to rate and subscribe!! And thanks again for listnening!
Welcome back to another episode of Wine and Dime. This week we welcome back Strong Roots host and colleague Kerrie Beene. Kerrie and I have a great conversation about couple and money. We discuss how financial stress can be a primary reason some couple argue, and can be a major factor in why some couple divorce. We discuss some strategies to be more open and transparent about money decisions that may lead to a better relationship. So sit on back, pop open a bottle of your favorite vino and enjoy this weeks episode!
Hey there Wine and Dime listeners! We’re back with another topic you know I’m passionate about… Student Loans…! I know what a surprise! Well, this weeks guest is the one of the co-founders of LoanBuddy, Alex Bottom. LoanBuddy is a new financial technology platform, with a focus on providing solutions for advisors who are student loan planning for their clients. Alex and I had a great conversation about what led him into helping people get their student loan debt under control. This is a great episode for anyone that may need some insight into student loans and where to go to find assistance. So Sip on back, pop open a bottle of your favorite wine and enjoy the show!
In this episode of Wine and Dime, I get the opportunity to sit down with a co-founder of Whealtcare Planning, Chris Heye. We had a great conversation about the cost of health care and the impact it can have on your wealth, especially as you age. The inspiration that led him to being a part of this organization, and the passion he has is not something you want to miss. So, pop open a bottle of your favorite wine, or a nice Red Bordeaux, as Chris suggests, and enjoy the show!!
Hey Wine and Dime listeners, welcome back for another episode, and thank you for listening. Today’s guest is Sue Gruber. Sue is a retired teacher who has started a new business called Forward Thinking Home Solutions. Forward thinking was born out of the struggles that she came across while remodeling her home, and thinking about her future. When you listen to how Sue became a certified aging specialist you’ll really respect the time and commitment that she has put into this encore career. So sit back, open your favorite beverage and enjoy the show.
Hey Wine and Dime listeners today’s episode is a little different then past podcasts. Today it is just me, Amy Irvine. A few weeks ago I presented at a community event about taxes and retirement planning; the feedback I received was that they wanted to hear the presentation all over again to pick out different parts of the content. So, I decided to record some of the information. If you are in your mid to late 40’s or older, this is an important episode for you. What should you can expect to learn from this episode? Tax Planning through Four Stages of Retirement How Social Security and Working Income Intertwine Information about Medicare How to “Bucket” Your Portfolio and Income
In this episode of Wine and Dime, I again chat with Kerrie Beene. Kerrie and I talk about the psychology of money, how affects our decisions and the impact it has on our mental health. I think that this was a facinating topic that I think all of our listeners can enjoy. So sit on back, sip your favorite wine, and enjoy the show.
In this episode of Wine and Dime, I got to travel down to Oklahoma to visit one of our financial planners, Kerrie Beene. While here we were able to celebrate Kerrie getting her CFP and visit a great winery here in Oklahoma, “Girls gone Wine”. We also jumped in our affiliation with Fiscal Fitness Club, and how the coaching goes on there. It was a great talk, and if you are wondering what the Fiscal Fitness Club was all about, than this is the podcast for you! Be sure to rate and subscribe and thanks for listening!
Hello again Wine and Dime listeners. Today’s episode is one in which is a little deeper than usual. I had the opportunity to sit down with Brandy Walker. Brandy is young woman who shares her story of strength and how she recovered from abuse. She shares in how it influenced her life with a decision to become a therapist, to be able to help others overcome their own similar struggles. Brandy also has her own incredible podcast called “https://podcasts.apple.com/us/podcast/throwing-light/id1436370409 (Throwing Light)”… hence the name of the episode. So sit on back, pop open some wine and enjoy the show!
Hello again podcast listeners. If you are a regular to the show, you know that June is a month I want to talk about aging and some of the concerns that go with that. That’s why I’m siting down with Kim Anderson. Kim is one of my Medicare experts. In this episode we talk about Medicare and Social Security and some strategies that may be available to you. I think this was a very informative episode that I’m sure you will enjoy. So “sip” on back and enjoy the show!
Hello again Wine and Dime listeners! In this episode, I had the opportunity to speak with Jill MacNeil. And we talked about Risk… more specifically the transferring of Risk. Jill is the Long Term Care Specialist with LLIS, which objective is to recommend the best solutions for your clients based on their individual needs, using low-load permanent life insurance and annuities when possible. I’ve often used LLIS when recommending coverage for a client of mine. This was an informative episode that I’m sure you all will enjoy as much as I did!
Hello again Wine and Dime listeners! In this episode, I have the pleasure of speaking with Becky Partridge-Eason. Becky is a financial planner with us here at Rooted Planning Group and describes herself as “frugal”. During the episode we talk about the planning of her wedding, and boy did that term “frugal” help her save a ton. If you are planning a wedding or know someone who is, this episode is for you! So sit back, enjoy a nice bottle of Lakewood Abbey Rose, and enjoy the show!
In this episode of Wine and Dime, I get the opportunity to chat with Jenifer Cannon. Jenifer is the Vice President, Business Development at Impax Asset Management. She is also a leader and champion of gender equality. You can tell throughout the conversation that she is truly passionate about the subject and it makes for an incredible talk. We also talk about some Rosé wine and she shares with us a recommendation from her neck of the wood. So sit on back and enjoy this episode of Wine and Dime
In this episode of Wine and Dime, I chat with my dear friend Breanna Reish. Breanna is a certified financial planner with Wealth of Confidence, which is a fee only firm located in California. She also hosts her own podcast called “One Million Apples”. In this episode we talk about things we are truly passionate about… teachers! So sit on back, pop open your favorite wine and enjoy the show!
Breanna Reish https://www.wealthofconfidence.com/ (WEALTH IN CONFIDENCE) FACEBOOK - https://www.facebook.com/WealthofConfidence/# (@WEALTHOFCONFIDENCE) TWITTER - https://twitter.com/BreannaReish (@BREANNAREISH) https://www.linkedin.com/in/breannareish/ (LINKEDIN)
"My true purpose as a financial planner is to create an inviting environment where you are encouraged to discuss your money without judgment, to learn about your investments in a way you enjoy and become more comfortable managing your money with confidence" I grew up in a family that lived with what we needed and didn't have a lot left over for luxury. At the age of 14, I realized that making money meant that I would have the opportunity to buy what I wanted and do what I wanted so I started working and saving. Knowing I had money in the bank for when I would need it gave me great confidence and provided a sense of safety and security. My passion for sharing these core principles with others led me to my role as a financial planner, but I was wearing rose-colored glasses While I was here to guide, and educate, the industry was all about selling and products. It was an experience that was miserable for a lot of people, including myself. As I watched this process I could see how many people felt that most discussions revolved around product and investments and left out true desires and goals. This was totally unacceptable to me. I knew that the financial world was confusing to navigate, left out strategy outside of investments, and felt like a used-car lot instead of a true fiduciary environment. Wealth of Confidence was created after 9 years of working with clients. It was finally time to combine my passion for planning with my purpose to break the mold and offer a great experience for you. https://www.onemillionapples.com/ (One Million Apple’s Podcast) The Mission & The Name Every day, across the United States, teachers are taken advantage of financially. People are using deceptive practices to work with you, the people that educate our children. They are not only going after your hard earned money they are robbing you of your trust and confidence in your overall financial well-being. This has to stop!
While we would love more regulation, it does not guarantee an overall change. As you know EDUCATION has the potential to do great things. That is how this passion project started, to teach teachers all about their money. Heavy stuff, right? That is why we decided to lighten it up a bit and touch on other fun topics, trends, lifestyle, career issues and more. Why One Million Apples? There are between 4-5 million teachers in the K-12 and higher education system across the United States. Our mission is to impact the lives of at least ONE million. You would not be the first to think that is crazy, we are a little overwhelmed with that number as well. That is why we are asking for your help to accomplish this mission. If you hear, read or watch something helpful on this site, please tell your friends. Also, let us know that you're here; we'd love to measure our progress along the way.
In this episode of Wine and Dime, I speak with a fellow wine connoisseur and career coach, Cassie Schmidt. Cassie specializes in coaching women in creative fields to help them be successful entrepreneurs. Cassie shares with us why she chose this specialization, her coaching style, and some great tips for anyone. We also get the chance to really get into our favorite wines a little bit, and that was a very fun conversation. So sit on back, pop open a Decoy Cabernet Sauvignon, and enjoy this episode of Wine and Dime!
This weeks guest, Dick Russell, is a long time friend as well as the director of one of my passion "projects" - Faith-in-Action. I first met Dick in 2005 when I found out about the organization and wanted to help in the cause to keep people in their home for as long as possible. Many people have to move out of their long-term home simply because they could no longer drive, and this organization is helping to combat this. As you will hear, Dick, and his family, are givers; the true meaning of givers in fact. They have served their communities in so many ways and continue to do so. If you are interested in getting involved in this organization go to http://www.fiasteuben.org/ (http://www.fiasteuben.org/) or call @ (607) 324-1138 What you will learn from this episode: What to expect when volunteering Areas that are serviced Ways to donate The history of this great organization
In this episode of Wine and Dime I chat with Ryan Frailich of https://www.deliberatefinances.com/ (Deliberate Finances). Ryan’s life has been a journey… going from a teacher to a financial planner specializing in young couples and educators. This episode was also a journey, as we explore what lead Ryan to helping teachers. This was a great conversation that I’m sure you will enjoy!
Welcome to another edition of Wine and Dime! In this episode i talk to a woman I call “Woman Extraordinaire”, Courtney Berry. Courtney is a teacher in the Corning-Painted Post School District. Prior to becoming a teacher, she worked in the "business" world in a variety of roles, including compliance, marketing and customer service. She and her husband are raising their adorable son and working toward their own financial independence. You will see in this episode, just how passionate she is about teaching, and I truly believe you will find this episode an inspiration!!
Hello again Wine and Dime listeners!. In this episode, you wont hear a lot from me. Instead, I turn the show over to my colleague and Strong Roots Podcast host, Kerrie Beene. In this episode Kerrie sits down with Wendy Young. When Wendy isn’t training for 5ks and marathons, she is a middle school teacher at Valliant Middle School in Valliant Oklahoma. Kerrie and and Wendy talk a lot about changing habits to reach the goals that you set for yourself. Its a great interview that I’m sure everyone will enjoy!
In this episode of Wine and Dime, I chat with a woman that I’ve known for a while and brought her on the show to talk about her “Side Hustle”. Valley Point Services is a career coaching service offered by Michelle VanDeBogart. Her mission is “assisting individuals to pursue a career that they can be passionate about, in turn bringing happiness into their lives.” She offers services such as Resume Development, Cover Letter Creation, Job Searching Assistance, Mock Interviewing, Skills Assessment, Networking, and Job Seeking Strategies. It was a lot of fun chatting Michelle and I think you’ll see how much she has to offer! Michelle VanDeBogart Valley Point Services Facebook - https://www.facebook.com/pg/valleypointservices/about/?ref=page_internal# (@valleypointservices) Phone - 607-242-1020
Welcome to episode 55 of Wine and Dime. In this episode I speak with a lawyer that I have dubbed “The Compassionate Care Attorney”, Antonio Martin. Antonio owns a law firm in Celebration, Florida and is “committed to providing excellent legal representation to individuals, families, and businesses throughout Florida.” This episode is all about getting perspective. Perspective of others lives, perspective of other cultures, perspective of others thoughts… you get the idea. And how that can make you a better person, and in Antonio’s case, a better person. I think you will enjoy the episode as much as I enjoyed our conversation. So sit back, pop open a bottle of Bold Blackberry wine(one of Antonio’s favorites), and enjoy the show!
Antonio Martin, Esq. https://callmartinlawgroup.com/ (Martin Law Group) http://www.callmartinlawgroup.com/ (www.callmartinlawgroup.com) 1420 Celebration Blvd, Suite 200, Celebration, Florida 34747 863-949-0892 info@callmartinlawgroup.com
In this episode of Wine and Dime I welcome back Jane Springer. I team up with Kerrie Beene of the Strong Roots Podcast, and we all discuss the foods we eat, and how that can have an impact on emotions and quality of Life.
Hey Wine and Dime listeners, welcome to episode 53. In this episode I chat with Heather Townsend. Heather is a CFP and owner of Townsend Financial. Heather and I share a passion of financial education. As you hear in this episode, we feel that there is a real need for people to more educated in financial planning sector. I hope you enjoy the conversation as much as I enjoyed talking to her. So pop open a bottle of your favorite Malbec and enjoy the episode!
In this episode of Wine and Dime, I speak with someone who truly inspires me. Lisa Rustici is a Life Coach, a teacher, a mentor, and so much more. Her “Pledge” is something I often turn to when I need a little pick me up. During the chat, you will all see just how inspiring she is. So sit in back, pop open bottle of your favorite wine and enjoy the show!
Welcome to another episode of Wine and Dime. In this episode I chat with the husband and wife team of Brian and Natalie Hanks. We first met Brian in episode 3 and in this episode I have the pleasure of also interviewing Brians wife, Natalie. They share with us stories of their lives together, their children, and their businesses. It was truly an honor to have them on the show, and I’m sure you will love the conversation as well. So “sip on in” and enjoy the show.
“Try orange juice with your waffle’s people” - Trey Meehan, 14 years old. That was some of the advice we got in this episode of Wine and Dime. I was so happy to have my nephews down for a weekend, and they were happy to be here. Not only because of the trips to the beach, and to the amusement park, but because while they were here in Florida, their parents were stuck in a snow storm in upstate NY. While they were here, I couldn’t pass on the opportunity to have them on the show. We talked about what they wanted to be when they grew up, how school was going and they even shared what their favorite beverage was… Chocolate Milk and Gatorade. We had a wonderful time and I can’t wait to have them down again. So sit back and enjoy the perspective of a 14 and 11 year old on this weeks edition of Wine and Dime!
In this episode of Wine and Dime I chat with Kerrie Beene. Kerrie is a financial planner with us here at Rooted Planning Group. We have a nice chat about her new podcast that she is launching call “Strong Roots”. Strong Roots will be The show about strengthening our roots with discussions about health and wealth. Kerrie will cover topics ranging from gut health, to changing habits, to life insurance. We chat about what drove her to “execute” her plan to get this podcast off the ground. We look forward to hearing all that her and her guests have to say. So sip on back and enjoy this episode of Wine and Dime!
In this episode of Wine and Dime, I sit down with Autumn Campbell. Autumn is a financial planner at The Planning Center. Autumn and I discuss what led her to become a financial planner and the road she took to get there. This episode was named after some advice that Autumn likes to give her clients, so check it out! We also talk about one of my favorite wines… Malbec! And I definitely found a very nice Malbec in the Finger Lakes Region. So, sit be, relax, pop open a bottle of your favorite wine and enjoy the latest installment of Wine and Dime!
Hi again Wine and Dime listeners. In this episode I chat with Katherine Clark. Katherine is the Director of Advisor Consulting at https://firstascentam.com/ (First Ascent Asset Management). During the episode, we chat about life, religion, financial planning and of course wine. We dive into how Katherine took a big leap of faith when joining First Ascent, and how that risk paid off. Check out the episode with a bottle of your favorite wine and enjoy the show!! E0046 - Fashionable Finances with Katherine Clark Amy Irvine http://static1.squarespace.com/static/5884eaf446c3c44ae817722a/t/5c2e86752b6a28fb88b4b369/1546553083456/Wine+and+Dime+E0046+-+Fashionable+Finances+with+Katherine+Clark_mixdown.mp3/original/Wine+and+Dime+E0046+-+Fashionable+Finances+with+Katherine+Clark_mixdown.mp3?download=true (Download) https://firstascentam.com/staff/katherine-clark/ (Katherine Clark) DIRECTOR OF ADVISOR CONSULTING KATHERINE@FIRSTASCENTAM.COM
WHAT I DO HERE: I work side-by-side with advisors to help them best utilize First Ascent’s strategies and services for their clients. I also collaborate with our communications team to get the word out about First Ascent and the value we bring. WHY I LOVE MY JOB: I am passionate about being part of a business that makes every decision by asking, “What’s best for advisors and their clients?” My colleagues make coming to work every day fun and intellectually stimulating, and I find great satisfaction in providing significant value to advisors and their clients all across the country. Spanish Tempranillo Vina Alberdi GRAPE Tempranillo is a black grape variety widely grown to make full-bodied red wines in its native Spain. Its name is the diminutive of the Spanish temprano, a reference to the fact that it ripens several weeks earlier than most Spanish red grapes. TASTING Lively, medium depth garnet red withan intense pink rim. The nose stands out for the intensity of fresh aromas of ripe red fruit, wild strawberries, currants and raspberries, against a balsamic background with notes of vanilla, toasted caramel, bakery, coffee and sweet mints. Warm aromatic entry, with good structure and balance and soft, amiable tannins. The aromatic harmony persists on the finish, with marked freshness and balance. Long in the mouth, it offers a magnificent expression of classic ageing. http://www.meadery.com/earle-estates-meadery.php (Earle Estates Meadery) HONEY - MOTHER NATURE'S NECTAR ~ THE OLDEST FERMENTED BEVERAGE Dating back to before 5000 BC, Honey and water were fermented into Mead – now commonly called “Honey Wine”, although some sources indicate Mead is the Oldest Fermented Beverage. A uniquely different taste than grape wine, it can be dry, semi-sweet or sweet and is found to be refreshing and with the light aroma of honey. For over 25 years, since 1993, the family owned Earle Estates Meadery has offered Mead in many varieties and blends. Its unique nature makes it the perfect blending wine to expand its flavor and taste throughout our production of over 20 Honey wine varieties.
https://www.amazon.com/Uncork-Your-Finances-Podcast-Interviews/dp/1728691699 (Uncork Your Finances) AMY IRVINE Is dealing with finances a little less stressful when you have a glass of wine by your side? This book is an extension of my Wine and Dime podcast and Monday Morning Quarter-Buck Blog - capturing some top tips from the first 27 episodes.
In this episode I chat with Justin Foster of https://fosterthinking.com/ (Foster Thinking) and https://rootandriver.com/ (Root + River). We talk about his coaching strategies, meditation, Bourbon, and of course, Wine. Justin has a very “Zen” approach to the way he coaches and it really comes through in this conversation. Just also goes into the branding coaching they do at Root + River. It was an amazing interview that I’m sure you will enjoy. The books, podcasts, and wines recommended are listed below. So sit back, pop open a bottle of Bourbon, or the https://www.3brotherswinery.com/store/bourbon-barbera-1 (recommended wine), and enjoy the show! https://www.irvineadvise.com/wine-and-dime-podcast/
In this episode I talk with Performance Coach Mike Green of http://mwellandgreen.com/ (M. Welland Green Consultants). Mike and I are from the same home town of Hornell, and in the episode we got the chance to catch up on whats been going on in our lives. The conversation ranged from hitchhiking to Alaska (Just to prove a point), to the approach he takes when helping out a client. I think you will find this episode very entertaining! Boy, I sure did! So sit back and pop open a bottle of your favorite wine and lets enjoy this journey together!
Welcome to another episode of Wine and Dime! In this episode I talk with Performance Coach Mike Green of http://mwellandgreen.com/ (M. Welland Green Consultants). Mike and I are from the same home town of Hornell, and in the episode we got the chance to catch up on whats been going on in our lives. The conversation ranged from hitchhiking to Alaska (Just to prove a point), to the approach he takes when helping out a client. I think you will find this episode very entertaining! Boy, I sure did! So sit back and pop open a bottle of your favorite wine and lets enjoy this journey together!
Hello again Podcast listeners. In this episode of Wine and Dime i chat with Scott DuMond. Scott Joined Irvine Wealth Planning Strategies in 2018 and is also a Professor at Alfred State College. In this episode, we talk about what lead Scott to the financial planning field and ultimately joining the firm. We also talk about his kids as well as his faith and how that has helped guide him throughout his life. This was a very enlightening conversation that I’m sure you will enjoy!
Even the planners have to plan, right Hannah? Hello, and welcome to another episode of Wine and Dime. In this episode I chat with Hannah Moore. Hannah is the owner of Guiding Wealth Management. Hannah is passionate about helping people understand their money in ways that are meaningful. She believes that financial planning done well brings clarity to a situation, provides a directional simplicity and gives confidence in decisions. In this episode, we talk about what is like to own a business, before and after having a baby. Hannah offers some great insights on working with her clients and how she planned things out so that she could step away for a few months and spend time with her newborn daughter. This was fun conversation that I’m sure you will enjoy, and thank you for listening!
Hello Podcast Listeners! In this episode of Wine and Dime, I have the pleasure of talking to two people from one of my favorite wineries on Seneca Lake… Lakewood Vineyards!! I chat with Brand Manager Erin, and Partner Liz. They took the time out of their busy schedules to talk with us about their fantastic Winery. We chat about the early years and how they became involved with vineyard and about how the Vineyard has really become a family legacy. I think you will enjoy this episode as much as I enjoyed talking to them. So sit back, uncork a bottle of your favorite Lakewood Wine, and enjoy the show!
Wine and Dime Episode 39 - “Just hoping this B.S. pays off”, College Planning with Joe Messinger Hello again podcast listeners!! In this episode of Wine and Dime, I sit down with Joe Messinger. Joe is a Co-Founder of both Capstone Wealth Partners and College Aid Pro. Both of these firms focus on helping college students, and their parents make sound decisions on how to plan for college. As many of you know, this is a topic near and dear to my heart. I truly enjoyed my conversation with Joe and I think you all can get a lot out of this episode. So sit back with you favorite Cab Franc and enjoy the episode! E0039 - "Just hoping this B.S. pays off." College Planning with Joe Messinger Amy Irvine http://static1.squarespace.com/static/5884eaf446c3c44ae817722a/t/5be2fdf58a922d43bbd980e7/1541602898927/Wine+and+Dime+E0039+-+Joe+Messinger_mixdown.mp3/original/Wine+and+Dime+E0039+-+Joe+Messinger_mixdown.mp3?download=true (Download)
Joe Messinger, CFP®, ChFC®, CLU® CO-FOUNDER & DIRECTOR OF COLLEGE PLANNING
Professional Bio: 16 years of financial services experience B.S. from Penn State in 2000 Certified Financial Planner (CFP®) in 2014 Chartered Financial Consultant (ChFC®) in 2011 Member of FPA (Financial Planning Association) Columbus Business First “Forty Under 40” Class of 2013 Joe is a leading authority on late-stage college funding. He frequently speaks to organizations and parent groups such as BMI Credit Union, Westerville City Schools, At the Core, Collegewise, and I Know I Can, among others. He is also a highly regarded thought leader in the financial planning community, frequently speaking at industry conferences about his College Pre-Approval™ process. In addition, he regularly provides continuing education for Certified Public Accountants and Certified Financial Planners™ through the Financial Planning Association, XY Planning Network, and Ohio Society of Certified Public Accountants. He has also been published in the Journal for Financial Planning. https://www.capstonewealthpartners.com/ (Capstone Wealth Partners) The Millennium 6037 Frantz Rd. – Ste 104 Dublin, OH 43017 Phone: 614.754.7805 Email: info@capstonewealthpartners.com We chose the name “Capstone” to reflect our firm’s focus on college planning (“capstone” refers to a student’s final course of subject mastery in a higher education setting). We included “Partners” in the name to signify our intent with client relationships – that is, a real partnership built on trust and not just a one-time sales transaction. College Aid Pro™ http://ineedfinancialaid.com/ (College Funding Services) (CFS) and https://capstonecollegepartners.com/ (Capstone College Partners) have joined to create a brand-new college planning software for financial advisors, College Aid Pro™. As thought-leaders in the neglected area of helping families navigate the college-funding maze, CFS and Capstone College Partners are both dedicated to raising the bar in college funding advice. Gen X parents will tell you their number one financial concern is paying for their children’s college, but financial advisors aren’t trained to help families effectively in this area. College Aid Pro™ was developed the make creating a detailed college plan for your clients easier, leading to better financial outcomes. With the changing college-funding landscape, financial professionals can no longer simply tell families to save more. Helping financial advisors end the student loan crisis one family at a time, College Aid Pro is the premier tool for serving Gen X clients in a more effective and holistic way. You’ll soon find yourself working faster and with a more thorough college plan than ever before.
Nancy Williamson In this episode of Wine and Dime I chat with Nancy Williamson. We chat about the procees of buying a car and some of the things you can do to get the best deal. It was a very informative episode and I think you will find her expertise valuable the next time you go buy that shiny new red car! Nancy became CEO for ServU Credit Union at the age of 25 and has worked at the credit union for more than 40 years. She started at the credit union in 1973 when the credit union’s assets totaled $500,000 with two part-time employees. Today ServU has greater than $265 million in assets with 108 employees and seven branch offices. With her “free” time, Nancy volunteers for the VITA (Volunteer Income Tax Program of the IRS), preparing income tax for low/medium income families annually. She has been actively involved in numerous speaking engagements across the state informing the public on financial protection and fraud prevention. She has also served on a number of nonprofit boards, including Family Services Society of Corning and the Corning Community College Development Foundation. Nancy is married to Paul and has two sons, Mark and Scott. She will say she is known to have held many titles: CEO, treasurer, volunteer, speaker, friend, wife, mother... with her most cherished title that of “Grandma.” About https://www.servucu.com/ (ServU Federal Credit) Union is a full service financial alternative to a bank. As a member owned financial cooperative, credit unions are not-for-profit. They function to serve their membership. As a result, credit unions are able to pay back higher dividends on savings and charge lower interest on loans. Money that is made by the credit union after overhead is returned to the members as dividends and other financial services. The Credit Union is overseen by a volunteer Board of Directors. These Board members are elected each year by the credit union membership.
Today over 35,000 people in Steuben, Schuyler, Yates and Allegany counties enjoy the benefits of ServU Credit Union membership. We invite you to join these members today - https://www.servucu.com/home/become-a-member (see how you can join)!
n this episode, I have the pleasure of speaking with Victor Medina. Victor is the owner of Medina Law Group, based in New Jersey. During the interview we cover Estate Planning and Elder Law. He helps us understand the importance of these services and why they are vital to any financial plan, especially when it comes to degenerative conditions such as Dementia or Alzheimer’s. So, sit back, pop open a bottle of your favorite wine, or maybe one of the recommended wines below and enjoy the episode. Victor and I had a fantastic conversation and I’m sure you will find his insight into this topic engaging and informative. And thank you for listening Victor Medina https://www.jerseyestateplanning.com/ (Medina Law Group) FACEBOOK - https://www.facebook.com/NewJerseyEstatePlanning/# (@NEWJERSEYESTATEPLANNING) Victor J. Medina is a nationally-recognized estate planning and elder law attorney, focusing on traditional planning, asset protection, retirement distribution planning, and proactive income tax planning. Victor has been featured on national television, The Wall Street Journal, The Huffington Post, and U.S. News & World Report. Victor is the founder of Medina Law Group, and brings a family-centered approach to planning, with a focus on practical solutions for families and high-net worth individuals. He is the past president of the American Association of Trust, Estate, and Elder Law Attorneys and a frequent speaker to public and private groups on issues of estate planning, elder law, asset protection planning, and retirement planning.
In this episode of Wine and Dime, I have a conversation with Inga Chira. Inga is the owner of Attainable Wealth Financial Planning, located in Los Angeles, and is also a professor at California State University, Northridge. Inga and I chat about what lead her to financial planning, her passion for teaching finance, and some of the trends she is currently seeing in the industry. I think you will enjoy the conversation as much as I did, so pop open a bottle of your favorite wine and enjoy the show!
In this episode of Wine and Dime I chat with https://janefinancial.com/ (Jane Financial) founder, Jane Yoo. We talk about her path to her opening her own firm, which was unique indeed. We also chat about the love for her cat Zoe, as well as her involvement with a local shelter called Cat Town. I truly enjoyed learning more about Jane and I’m sure you will too. So sit back, pop open a nice bottle of your favorite wine and enjoy the episode!
In this Episode of Wine and Dime, I introduce a new member of Irvine Wealth Planning Strategies, Kerrie Beene. We have a nice conversation about career choices, studying for the CFP exam, college planning and of course some of our favorite wines. It was a great conversation and I know you all will love it as much as I did. Welcome to the team Kerrie!! A little bit about Kerrie Beene… My own personal financial journey has taught me that while their important, life is more than numbers. Finding joy in the journey towards personal goals is key. A smart plan with a lot of heart goes a long way to keeping daily financial decisions in line with your long term goals. I graduated from Southeastern Oklahoma State University with a degree in Business Administration and hold a certificate in Financial Planning from Wake Forest University. I passed the CFP exam in November of 2016 and I'm currently working towards my service hours. I began my career in financial planning by starting my own company, Beene Financial Planning. Having the desire to work as a team, I then joined Irvine Wealth Planning Strategies. My roots in Southeast Oklahoma have given me great insight on the need for financial planning that is not just investment focused, but also on all the other financial planning decisions. I enjoy, and work best, with those who are ready to take control of their finances and use their money to fulfill their goals and dreams.
In this episode of Wine and Dime, I chat with the owner of http://www.donaliesfp.com/ (Donalies Financial Planning, LLC), Chuck Donalies. We talk about his path to becoming a financial planner, his love of exercise, his family, and of course, our favorite wines. We take time to talk about his recent trip to China with his oldest daughter and some of the impressions that they came away with. It truly was a fascinating conversation that I’m sure you will enjoy. So pop open a bottle of your favorite wine and enjoy the episode!
In this Episode of Wine and Dime I speak with Travis Hornsby. Travis is CEO & Chief student loan advisor for https://www.studentloanplanner.com/ (https://www.studentloanplanner.com/). If you’ve listened to this podcast for any amount of time, you already know how passionate I am about the Student Debt crisis that we have in the United States. During my conversation with Travis we talk about that and the some of the options you may have to pay down that debt. So sit back, pop open a bottle of your favorite wine and enjoy the episode! Travis Hornsby https://www.studentloanplanner.com/ (WWW.STUDENTLOANPLANNER.COM) FACEBOOK: https://www.facebook.com/pg/StudentLoanPlan/reviews/# (@STUDENTLOANPLAN) TWITTER: https://twitter.com/StudentLoanTrav (@STUDENTLOANTRAV)
HOW STUDENT LOAN PLANNER GOT STARTED I should introduce myself. I’m Travis Hornsby, and I’m the chief student loan planner around here. I started Student Loan Planner in October 2016 after helping my wife and her friends figure out their six figure student loans. I used to be a bond trader, so I took my excel heavy skill set and built models for how to save money paying back student debt. When my wife and I tackled her debt from med school, there were not a lot of resources out there for professionals like her. Most of the sites that did exist just wanted us to refinance so they could earn a commission. All of our team members either hold the Chartered Financial Analyst (CFA) or Certified Financial Planner™ (CFP®) designations. We all have a passion for conquering debt's hold on your life and mental energy. https://www.belhurst.com/ (Belhurst Castle) is a former private residence on the shores of Seneca Lake in Geneva, New York. It was designed by architects Fuller & Wheeler and built between 1885 and 1889. The three-story, nine bay wide Romanesque Revival style mansion is constructed of Medina sandstone. It has a slate gable roof, one-story solarium, and four rectangular stone chimneys. It features projecting porches, bays, towers with conical and pyramidal roofs, eyebrow windows, and a porte cochere with Syrian arch. Supplemented by modern facilities, Belhurst Castle has been adapted for hotel and retail uses. It holds a hotel with three choices of lodging (Vinifera Inn, Chambers in the Castle, and White Springs Manor); two ballrooms to host weddings, two restaurants (Edgar's Restaurant and Stonecutters); spa, and a winery.
Belhurst Pinot Noir Intense blueberry and blackberry notes penetrate through this fruity, forward Pinot Noir. Hints of savory herbs add elegance to an otherwise one-dimensional palate that finishes with big, coarse tannins.
This episode was presented by Amy Irvine AND IN COLLABORATION WITH https://senecalakewine.com/ (The Seneca Lake Wine Trail)
AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 http://www.irvineadvise.com/ (WWW.IRVINEADVISE.COM) EMAIL: AMY@IRVINEADVISE.COM
In this episode of Wine and Dime I speak with Teresa Haight. Teresa has an incredible story about her journey through the addiction of a family member and the subsequent recovery. She continued on to help build a support group in Addison, NY that helps family's that are going through some of the same things. It was an honor to speak with Teresa in this episode and I know you will find it inspiring as I did. Addiction Awareness of Steuben County FACEBOOK WEBSITE Who– We are the Addiction Awareness of Steuben County support group. We are a group for addicts, friends and families of addicts (drug and/or alcohol related), and general community that would like to be educated and support the family and addicts inside and outside our walls. What– The goal of our group, AASC, is to bring awareness to our community, as well as throughout Steuben County and New York State about addiction and recovery. We want to show you that we are here to support you. We also want to break the stigma and prove that we can and DO recover from this deadly disease. How– We need to come together as a community to change the way the world views people with addictions. Addiction is a disease that affects all of us in society in one way or another. It is time to break the stigma and silence surrounding addiction and bring hope through awareness, education, support and change. MAIN GOAL: Create a safe environment and give support to struggling and recovering Addicts. Bring awareness to the drug epidemic in our community and surrounding areas. As well as, educate people on how to help a loved one that is an Addict who is looking for help. We as a community want to improve the quality of life. The Wine TORREY RIDGE REDNECK WHITE 6.5% sweetness. Reminiscent of green grapes picked off the vine in Grandma's back yard and stuffed into a bottle. 8% RS 11.5% Alcohol
This episode was presented by Amy Irvine AND IN COLLABORATION WITH The Seneca Lake Wine Trail AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
In this episode of Wine and Dime, I speak with Retired Marine Biologist, avid fisherman, and lover of wine, Doug Dixon. Doug has a PhD in Biology and we spend much of our conversation talking about how he has helped power plants maintain safe environments for wildlife. We also talk about his love for "Big, Bold, Red Wines" and we talk about a few of our favorite vineyards in the finger lakes region. I hope you enjoy my conversation with Doug as much as I did. Enjoy a glass of your favorite wine and enjoy the show!
The Wine, Wineries, and Food Hosmer Winery Hosmer Winery is a fully functioning estate winery, everything from planting and growing the grapes, to picking, pressing and bottling is done on site. As a farm, we cultivate 70 acres of grapes with over 14 varieties and growing. Our belief in wine making and grape growing are parallel and continuing and we strive to maintain preservation of the land and the fruit form vine to table. Our passion for what we do is exemplified through the creation of our memorable wines. McGregor Vineyard The McGregor family invites you to enjoy a casual, seated tasting of estate wines produced from our half-century-old vineyards. Our winery is hidden on a hillside just one mile above the eastern shore of Keuka Lake. The Elf in the Oak Casual atmosphere with an outstanding view from the deck! This hidden gem is quite small, with only a few tables inside, and a few on the deck. Get a table on the deck for an outstanding view. The lunch selections were standard fare with a foodie twist...very tasty! There's an ice cream stand outside as well for those with a sweet tooth and if you have any room left after the big lunch.
This episode was presented by Amy Irvine AND IN COLLABORATION WITH The Seneca Lake Wine Trail AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
In this episode of Wine and Dime, I had the pleasure of speaking a very astute 13 year old named Donald Horack. In some ways, Donald isn't your 13 year old kid. While he does enjoy many things a typical 13 year old enjoys, he also has interests that some adults don't have. In this interview, our conversation takes us from the G7 summit to Ronald Reagan, to his favorite Root Beer! (See below for that) I had a great time talking to Donald and I think we can learn a lot about the generation from this young man. Thank you for listening and enjoy the show! Seneca Lake Wine Trail WHO WE ARE Founded in 1986, the Seneca Lake Wine Trail is a non-profit organization dedicated to its member wineries. The wineries of the Seneca Lake Wine Trail are real, local, industrious, and determined businesses that help sustain a beautiful and prosperous region. WHAT WE DO Our member wineries are open year-round. To see a list of our member wineries, click https://senecalakewine.com/about-classic/ (here). In addition to daily tastings and tours, you can participate in trail-wide https://senecalakewine.com/trail-events-listing/ (events) featuring food pairings and seasonal themes. Passports are also available for deals and discounts on multiple tastings throughout the trail. To find out more about our Polar Passport, click https://senecalakewine.com/polar-passport/ (here). and for information on our Wine Weekday Passport, click https://senecalakewine.com/wine-weekday-passport/ (here). If you plan on visiting our wineries with 8 or more people we recommend you review this https://senecalakewine.com/how-to-give-a-large-group-tour/ (page) that provides many useful details about large group visits. You can also see more about https://senecalakewine.com/lodging/ (lodging) options, https://senecalakewine.com/dining/ (restaurants), https://senecalakewine.com/transportation/ (transportation/limo) providers, https://senecalakewine.com/breweries-and-distilleries/ (breweries and distilleries), https://senecalakewine.com/activities-attractions/ (attractions and activities), and a handy https://senecalakewine.com/transportation/ (map). Vigil's Root Beer Great drinks don’t need fake ingredients. Virgil’s is all-natural. We obsess over the recipe and the process. We don’t use any preservatives, any artificial colors, or any GMO-sourced ingredients. Great taste without the chemicals. Plain and simple. A delicious, handcrafted, all-natural refreshment. Drink Smart, Drink Well, Drink Virgil’s. War Horse Brewery IN 2008... War Horse Brewing Co. (then called Barley Yards) poured it's first pint. The beer was contract brewed in Rochester with a dream to open an on-site brewing facility in the future. In June of 2016, the dream was realized and our state of the art brewing facility was complete. We have grown and changed a great deal throughout the years. What hasn't changed is our our love of great people, great beer, and great stories. War Horse Brewing Co. is part of http://www.3brotherswinery.com/ (Three Brothers Wineries & Estates.) Imagine three unique wineries and a microbrewery all on one estate, overlooking beautiful Seneca Lake and voilàhttps://www.warhorsebrewing.com/team/# ( )you've got Three Brothers. As a whole, our priority is a superior customer experience and our philosophy unabashedly argues "we've got something for everyone." Try us...we dare you.
In this episode of Wine and Dime, I had the pleasure of speaking with David Bonebrake. David is owner of Bonebrake Financial Planning and Wealth Management. David and I both have a passion of diversity and this shared interest is what made me want to have him as a guest. And, boy am I glad I went with my gut on that one. We explore diversity from a few different angles and learned a lot about the we each approach the topic. I found this topic and this episode very eye opening, and I'm sure that you as well! Thank you for listening! David Bonebrake http://davidbonebrake.com/ (Bonebrake Financial Planning and Wealth Management) Eugene: 100 W. 13th Ave., Suite 200 Eugene, OR 97401 Phone: 541-868-3800 Toll free: 888-590-1824 Fax: 541-485-0755 Facebook -https://www.facebook.com/bonebrakefinancial/?ref=aymt_homepage_panel# (@bonebrakefinancial) Activist and promoter of engagement who seeks to enlighten and empower without guilt, shame, blame, or judgment of self or others. Carmen Xiomara Urbina has a BS in agriculture and resource economics (Oregon State University) and a master's degree in spiritual psychology (University of Santa Monica). The Wine! LAKEWOOK VINEYARDS HISTORY In 1951, the Stamp family moved to Lakewood Farm, a run-down peach and apple orchard on the west side of Seneca Lake. The next spring, they started planting grapes. The original grapes were those favored by the large wineries and grape juice companies. In the mid-80’s the family diversified to add some new varieties, with the hope of someday using them to make their own wines. In 1988, Monty and Beverly Stamp and their children pressed the grapes for their first vintage. A Vision Realized Lakewood Vineyards Winery opened to the public in June 1989 with 7 varieties of wine, made from estate-grown grapes from their 45 acres of vineyards. Today, with 80 acres of vineyards and 3 Stamp family generations working together, the winery produces a diverse selection of wines. Their dedicated and talented team prides themselves on offering Finger Lakes wines of exceptional quality and value. This diamond in the rough opens with aromas of cherry, plum and toast. The palate is soft with youthful tannins finishing warm with hints of stone fruit. Lakewood’s Pinot pairs beautifully with duck, wild game, salmon and other dishes that would ascend when matched with a beautifully crafted Pinot Noir. - Winery FEATURED AWARDS: SILVER MEDAL - JEFFERSON CUP INVITATIONAL2014 (2012 VINTAGE) BRONZE MEDAL - TASTER’S GUILD WINE LOVER’S COMPETITION2015 (2012 VINTAGE) This episode was presented Amy Irvine AND IN COLLABORATION The Seneca Lake Wine Trail
In this episode, I chat with Christopher Dale. Chris is a CFP and owner of Life After Grief Financial Planning. Chris is very compassionate and that trait is what suits him to his business specialty of "A fee only financial planning and investment management firm helping those experiencing grief". Chris and I talk about his life and what lead him to helping people in this way. We also talk about a few of our favorite wines, and I even suggest a great wine from http://www.anthonyroadwine.com/ (Anthony Roads)and their red wine called http://anthonyroadwine.orderport.net/product-details/0010/Devonian-Red (Devonian). I hope you enjoy the episode as much as I enjoyed talking to Chris, and thanks for listening! Christopher Dale, CFP® ADDRESS 650 N. ALAFAYA TRAIL SUITE 101 #782043 ORLANDO, FL 32878 CONTACT HELLO@LIFEAFTERGRIEFFP.COM 407.917.1913
OUR VALUES Our goal is to be your financial coach, and enable you to focus on healing and finding joy in life again. We take a holistic approach, focusing on helping you navigate financial matters during the hardest times. Our seven values reflect our tailored approach.
The Wineries and Wine http://www.anthonyroadwine.com/about-manyhands-detail.asp?Detail=1 (John and Ann Martini) moved to Anthony Road in 1973 at the urging of a friend that touted the joys of grape growing in the Finger Lakes. They loaded up 2 young children and left their home in Baltimore, where John worked for WR Grace to set up their farming life on the west side of Seneca Lake. Surprisingly neither Ann nor John had an agricultural background, unless you count John’s youthful summers at his grandparent’s farm in Melvin, Illinois. But together and with the help of family and friends they planted their first 5-acres, Foch, in the summer of 1973. The vineyard grew, to 30-acres, as did the Martini family, to 4 children, but it was quickly realized that an outside job was needed to support their endeavors. John joined the staff at the Cornell’s Experiment Station in Geneva and Ann took over the day to day operations and maintenance of both the household and the vineyard. Devonian Red OVERVIEW WINE INFORMATION Sedimentary rock formed during the Devonian Period - a chapter of geological history in the Finger Lakes, is the foundation of the soils on which our grapes are grown. Year in and year out, our Devonian Red, a medium-bodied dry red, is quite delicious and a great value! Caymus Cabernet A dark, scarlet red color, with powerful aromas of sweet ripe cabernet grapes. Initial impressions are fantastically appealing, brooding to expansive textural sensations of finely grained cacao tannins. The whole of the wine is balanced, rich, expressive and impressively complex. The backbone of fine tannin and sweet ripeness is a carry-over from perfectly mature fruit. Proud Supporter and Collaborator with the Seneca Lake Wine Trail
New York State’s Largest and Most Active Wine Trail. In 1986, the Seneca Lake Wine Trail was formed in the heart of New York State’s Finger Lakes region to attract more visitors to experience its rich history, beauty, and production of world-class wines. Today, Seneca Lake Wine Trail is the largest and most active wine trail in New York State with a community of over 30 wineries, a distillery, several breweries and hard cider producers and a meadery. Seneca Lake’s natural combination of deep water, at 632 feet it is the deepest of the Finger Lakes, and sloping hillsides provides the ideal microclimate for grape growing. Its unique geology and topography protect the growth of hardy native grapes and premium hybrids as well as more delicate varieties such as Riesling,Chardonnay, Cabernet Franc and Pinot Noir. We have a lot to be proud of, here on the Seneca Lake Wine Trail. But, one of our finest characteristics is that we're at the heart of a greater Finger Lakes community. The Finger Lakes are an amazing place to visit and to live, with old world-charm, beautiful food,...
In this episode of Wine and Dime, I had the pleasure of speaking to Career Coach, Carla Sessions. Carla's story of becoming a career coach is an interesting journey. We talk about that, Fruit infused Teas, and a handful of other topics that will help you understand what makes Carla an incredible Career Coach. This is an episode that I'm certain that you will enjoy! So sit back, enjoy a glass of http://www.ravineswine.com/?method=blog.blogDrilldown&blogEntryID=D679DA8B-064A-BC4C-7F60-35C88676A9FC&originalMarketingURL=blog/New-Release--2016-Sauvignon-Blanc (Sauvignon Blanc) or your or perhaps a fruit infused tea and enjoy this episode of Wine and Dime! Carla Sessions CAREER COACH LinkedIn https://wellbeingcoaches.com/meet-the-coaches/carla-sessions/ (https://wellbeingcoaches.com/meet-the-coaches/carla-sessions/) A PERSONAL NOTE FROM CARLA Time for a change? Many contemplating career change say it feels like standing on the edge of a cliff, both terrifying and exhilarating, looking out over a limitless landscape of opportunity they can see but can’t touch. Is that you? As a Career Coach, I am trained to listen and guide the job seeker to find their perfect position. My clients include those who are looking to advance in their current job, transition to their own business, just starting out after college, or even getting ready to retire. Helping people adapt to and master life’s changes is what I do best.
The Wine RAVINES WINE CELLAR - Ravines Wine Cellars rests on a hillside overlooking glacier-carved Seneca Lake in the Finger Lakes wine region of New York State. Our cool growing season, sloped vineyard sites and the moderating effects of the deep lakes create ideal conditions for producing vibrant, balanced and food-friendly wines. We are a small, family-owned winery dedicated to the craft of fine classical wine-making, wines that express the unique qualities of the vineyard sites, the growing season, and the winemaker's vision. RAVINES SAUVIGNON BLANC -
Showing all of the elements that make Sauvignon Blanc a favorite: lime, citrus, floral, steely, with a mineral tinge. With its firm acidity, aromatic intensity, and a long clean finish, this Sauvignon Blanc promises many interesting food pairings.
Proud Supporter and Collaborator with the Seneca Lake Wine Trail New York State’s Largest and Most Active Wine Trail. In 1986, the Seneca Lake Wine Trail was formed in the heart of New York State’s Finger Lakes region to attract more visitors to experience its rich history, beauty, and production of world-class wines. Today, Seneca Lake Wine Trail is the largest and most active wine trail in New York State with a community of over 30 wineries, a distillery, several breweries and hard cider producers and a meadery. Seneca Lake’s natural combination of deep water, at 632 feet it is the deepest of the Finger Lakes, and sloping hillsides provides the ideal microclimate for grape growing. Its unique geology and topography protect the growth of hardy native grapes and premium hybrids as well as more delicate varieties such as Riesling,Chardonnay, Cabernet Franc and Pinot Noir.
In this episode of Wine and Dime I chat with Joe Matelich. Joe is a financial planner, who specializes in planning for Physicians. You can find more out about Joe's business by going to https://www.physicianadvising.com/ (https://www.physicianadvising.com). In this episode we talk about some of the things that drove him to only working with physicians as well as some of the money "Stories" that he likes to tell. So grab a glass of your favorite wine and settle in for story time with Joe and Amy! I hope you enjoy the conversation as much as I did and thank you for listening! About Joe Matelich https://www.physicianadvising.com/ (HTTPS://WWW.PHYSICIANADVISING.COM/) FACEBOOK - https://www.facebook.com/physicianadvising# (@PHYSICIANADVISING) TWITTER - https://twitter.com/physicianadv (@PHYSICIANADV) Joe is a fee-only advisor and solopreneur at Physician Advising, where he provides physician-specific financial advice at a fair price. After work, Joe is typically found in the kitchen trying to match the timing of a hot meal to his wife's variable residency schedule. Since Joe is a big fan of cooking, a fitting metaphor for Joe's work as a financial advisor is that of going to a highly recommended restaurant because the chef uses fresh ingredients and eats what he cooks. In financial planning and investment management, Joe's recommendations mirror his family's actions. Books Mentioned on the show: https://www.amazon.com/Happy-Money-Science-Smarter-Spending/dp/1451665067/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=&sr= (HAPPY MONEY: THE SCIENCE OF SMARTER SPENDING) BY ELIZABETH DUNN Two professors combine their fascinating and cutting-edge research in behavioral science to explain how money can buy happiness—if you follow five core principles of smart spending.
Most people recognize that they need professional advice on how to earn, save, and invest their money. When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong.
Happy Money offers a tour of research on the science of spending, explaining how you can get more happiness for your money. Authors Elizabeth Dunn and Michael Norton have outlined five principles—from choosing experiences over stuff to spending money on others—to guide not only individuals looking for financial security, but also companies seeking to create happier employees and provide “happier products” to their customers. Dunn and Norton show how companies from Google to Pepsi to Charmin have put these ideas into action.
Along the way, Dunn and Norton explore fascinating research that reveals that luxury cars often provide no more pleasure than economy models, that commercials can actually enhance the enjoyment of watching television, and that residents of many cities frequently miss out on inexpensive pleasures in their hometowns. By the end of this “lively and engaging book” (Dan Gilbert, author of Stumbling on Happiness), you’ll be asking yourself one simple question every time you reach for your wallet: Am I getting the biggest happiness bang for my buck? AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 http://www.irvineadvise.com/ (WWW.IRVINEADVISE.COM) EMAIL: AMY@IRVINEADVISE.COM
This episode of Wine and Dime is Sponsored by: https://senecalakewine.com/ (Seneca Lake Wine Trails)
In this special edition of Wine and Dime, I talk with Registered Nurse, Author, and Holistic Health Coach, Karen Creamer. Karen is launching a book called https://www.amazon.com/Honor-Your-Health-Holistic-Connection/dp/164085276X/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=&sr= ("Honor You Health"), and is available on https://www.amazon.com/Honor-Your-Health-Holistic-Connection/dp/164085276X/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=&sr= (Amazon), or wherever books are sold. In the book, Karen writes about a variety of holistic therapies, so that you can explore options that may better align with your ideas of health and wellness. Identify ways you can begin using holistic healing immediately for little or no cost. Develop your own “self-care plan” to help navigate transitions in life. Karen Creamer Author, RN, Holistic Health Coach Karen Creamer is a Registered Nurse Health Coach whose own personal experiences combined with over twenty-five years as a health care professional uniquely qualifies her to blend conventional medicine with holistic healing measures to provide an integrated approach to making health care decisions. https://www.amazon.com/Honor-Your-Health-Holistic-Connection/dp/164085276X/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=&sr= (HONOR YOUR HEALTH: HOW TO USE HOLISTIC HEALING TO CREATE A LIFE OF CLARITY, COMFORT, AND CONNECTION) Are today's doctors getting paid to heal us or to harm us? You spend a ton of your hard-earned money to be told what to do by medical professionals who, in many cases, do not support your values and instincts. You're told that if you follow the rules, you'll feel better ... but why don't you feel better? It's been said "The definition of insanity is doing the same thing over and expecting different results." Maybe it's time to find a new way--time to take back control and become a full partner in managing your health. Author Karen Creamer understands. She suffered from health issues, but she found a powerful process to restore and maintain her health. Today she helps other people do the same. Karen speaks with authority and compassion about holistic healing methods because she has been the beneficiary of them.
In Honor Your Health, you will - Learn about a variety of holistic therapies so that you can explore options that may better align with your ideas of health and wellness - Identify ways you can begin using holistic healing immediately for little or no cost - Develop your own "self-care plan" to help navigate transitions in life Create a life of clarity, comfort, and connection today! Karen other books Click to view on Amazon Click to view on Amazon The Wine https://www.michelechiarlo.it/en/wines/moscato-dasti-docg-nivole/ (MICHELE CHIARLO NIVOLE MOSCATO D'ASTI) Michele Chiarlo’s extensive vineyards stretch over more than 272 acres of Piedmont, including the hills surrounding Canelli, which offer an ideal microclimate for growing Moscato. Grapes are hand harvested from select vineyards with southern exposure and placed in pneumatic presses, followed by a slow fermentation using natural yeasts to a low level of alcohol. Unfermented Moscato grape must is then added to fine tune the sugar levels. Finally, the wine is immediately bottled in order to preserve the characteristically aromatic, sweet fruit fragrance of the Moscato Bianco grape. The result is a wine with such a delicate finesse that Michele Chiarlo named it Nivole after the Piedmontese word for clouds.
In this episode of Wine and Dime, I have a conversation with Jane Springer. Jane is a Weight Loss, Style, and Life Coach. We talk about some of the things a coach can do for your professional and personal life. We didn't get a chance to talk about wine at all, but, I'm sure that you will enjoy the conversation as much as I did. Jane Springer LIFE AND WELLNESS COACH http://www.janespringer.com/ (www.janespringer.com) jane@janespringer.com
If you have the desire to embrace a new, confident attitude, transform how you present yourself to the world, and live a healthy, energized way of life at the weight you dream about, I’m here to help you make that happen… Hi, I’m Jane Springer and I can help you get from where you are now to where you want to go in your life and your health, so that you can feel strong, energetic, beautiful, and in control of your life.
In this episode of Wine and Dime, I chat with Sahil Vakil. Sahil is the President and Founder of Myra Wealth. Sahil shares his insights on the financial services of today and vision of the future. He also shares with us one of his favorite wines and some of the foods he like to pair with them. It was a truly wonderful conversation and I hope you enjoy it as much as I did! Wine and Dime Episode 22 - "Don't Let Money Put You to Work" with Sahil Vakil Amy Irvine Download Sahil Vakil, CFP®, CFA HTTPS://MYRAWEALTH.COM/ HELLO@MYRAWEALTH.COM FACEBOOK - https://www.facebook.com/MyraWealth/# (@MYRAWEALTH) Sahil Vakil is the President & Founder of MYRA Wealth; an independent, fee-only financial planning firm located in the NY Metro Area. Prior to founding MYRA Wealth, Sahil served as a Management Consultant to the Financial Services / Investment Management industry, advising C-Suite Executives at Fortune 500 firms on Business Strategy, Investment Management, and Financial Performance Improvement. Sahil has an MBA from The Wharton School, is a CFA Charter holder, a CPA candidate, a CFP certificate holder, has an MS in Electrical (& Aerospace) Engineering from the University of Southern California, and a BS in Electrical (& Computer Science) Engineering from the University of Mumbai. At MYRA Wealth, we recognize that financial planning is a dynamic process. Our client’s financial goals may evolve over the years due to shifts in their lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As they begin to consider how best to manage their financial future, our client’s feel confident knowing that with a MYRA Wealth professional, they’re working with someone committed to providing the highest standard of financial planning. The Wine SULA BRUT SPARKLING WINE A complex blend of Chenin Blanc, Chardonnay, Viognier, Pinot Noir, Riesling and Shiraz. This is one of the few “Méthode Champenoise” wines in the world to be crafted from six different grapes, resulting in something remarkable. This exceptionally smooth, buttery & complex wine can be paired with fried or creamy dishes as well as lighter Asian cuisine such as dim sum and steamed food. Serve well chilled. This Episode of Wine and Dime was brought to you by:
AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
Welcome to another episode of Wine and Dime. In this episode I chat with Certified Life Coach, Joanne Allen. Joanne is owner and opportunity of http://onewaycoaching.com/ (One Way Coaching). We chat about what it takes to be a coach and more importantly what it takes to be coached. We also, of course, talked about some of our favorite wines, as well as some financial topics. Joanne Allen HTTP://ONEWAYCOACHING.COM/ FACEBOOK - https://www.facebook.com/pg/Onewaycoaching/posts/?ref=page_internal# (@ONEWAYCOACHING) EMAIL ONEWAYCOACHING@GMAIL.COM
Hi – I’m Joanne…… I am a Certified Professional Life Coach, individual coach, small business coach, Bible study teacher, faith-based jewelry designer, wife, mom and the creator of One Way Coaching, LLC. My goal is to coach individuals and small businesses toward solutions in our chaotic world. We get to these solutions by having my clients answer their own questions and see the real problem. Their answers allow them to get back into improving their business and their life. I also help individuals and businesses to “dream big” and teach them to back it up with an action plan and measure their results. Overall, I want to inspire my clients to increase their skills, throw out any and all excuses, and embrace what the future holds for them. Keeping in mind to smile and laugh each day. Pink Moscato A refreshing medley of candied cherries and ripe berries, Barefoot Bubbly Pink Moscato is a deliciously sweet wine that positively sparkles. Accented with a burst of zesty citrus, our Bubbly Pink Moscato pairs perfectly with everything from creamy cheeses to sweet treats like peach sorbet. Pink Moscato Sangria INGREDIENTS 750 ml bottle Pink Moscato 1 Orange 1 Lemon 1 Lime 1 Mango 1/2 cup Blueberries 3 tablespoons sugar INSTRUCTIONS Thinly slice all the citrus and put into a large pitcher. Cut the meat of the mango from around the pit. Slice the fruit of the mango into chunks and add to pitcher. Add blueberries and sugar. Pour Pink Moscato over the fruit and stir. Chill overnight. Stir before serving over ice. This Episode of Wine and Dime was brought to you by:
AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
Welcome to another episode of Wine and Dime. In this episode I chat with Christina Guglielmetti, owner of Future Perfect Planning. Just like myself, Christina is a fee-only adviser, who offers reliable financial services to everyone. Christina is also a part owner of a wine bar in the Brooklyn, NY called "The Owl's Head" We talk about what it takes to run a financial planning business as well as being a part owner of a bar. It was a great conversations with topics ranging from great unique wines, the foods that pair with them and of course a slew of financial topics. I hope you all enjoy the conversatio as much as I did and thanks for listening! Christina Guglielmetti FUTURE PERFECT PLANNING
cristina@futureperfect.nyc Facebook: @futureperfectnyc Twitter: https://twitter.com/gugliecristina (@gugliecristina) Mission Bringing affordable, fee-only, reliable financial planning services to everyone. The Owl's Head
479 74TH STREET BROOKLYN, NY 1120 INFO@THEOWLSHEAD.COM
The Wines Nebbiolo Wines - Wines made from Nebbiolo are characterized by their ample amounts of acidity and tannin. Most examples are wines built for aging and some of the highest quality vintages need significant age (at least a decade or more) before they are palatable to many wine drinkers and can continue to improve in the bottle for upward of 30 years. As Nebbiolo ages, the bouquet becomes more complex and appealing with aromas of tar and roses being the two most common notes. Other aromas associated with Nebbiolo include dried fruit, damsons, leather, licorice, mulberries, spice as well dried and fresh herbs. While Barolo & Barbaresco tend to be the heaviest and most in need of aging, wines made in the modernist style are becoming more approachable at a young age. Lighter styles from Carema, Langhe and Gattinara tend to be ready drink within a few years of vintage. Nebbiolo from California and Australia will vary from producer and quality of vineyard. Mexican Wine - La Santa comes from centenarian, own-rooted Rosa del Peru (Moscatel Negro) vines grown at 2,400 ft elevation on sandy loam and granite soils in Tecate. The grapes were hand-harvested, de-stemmed, and fermented without temperature control in 450 liter concrete tinajas with 45 days of maceration. The wine was then raised for 3 months in ½ stainless steel vats and ½ older barrels. A lively and vertical vin de soif, La Santa is almost rosé colored in the glass, delicately floral, with red and dark fruits and juicy acidity. A lovely red wine to serve chilled with charcuterie and cheeses.
In this special edition of Wine and Dime, I had the opportunity to speak with New York 23rd district candidate for Congress, Tracy Mitrano. We talked about financial issues, such as student load debt and medical expenses. Tracy shared with us her concern about these topics, and her plans to help New Yorkers in the 23rd District. And this wouldn't be "Wine and Dime" if we didn't talk about or favorite wines and the foods that we like paired with them... so we did that too. It was a pleasure to speak with Tracy on a variety of topics and get a little insight on a few topics she is passionate about. As with any election, I like to look at all the candidates and decide who is a right fit for me and my family. I encourage everybody to take a look at all the candidates and decide on your own. When people ask me my political affiliation I often respond with, "I'm not a Democrat... I'm not a Republican... I'm an American" Tracy Mitrano NEW YORK 23RD DISTRICT DEMOCRATIC PRIMARY CANDIDATE FOR CONGRESS HTTPS://TRACYMITRANOFORCONGRESS.COM/ Tracy's https://twitter.com/mitranoforny23 (Twitter) Tracy's https://www.facebook.com/tracymitranoNY23/ (Facebook) Tracy's Instagram Tracy's Youtube
"I'm running to put people first again by fighting to bring economic opportunity to NY-23. It's not about Republican or Democrat. It's about working and middle class people. It's about our children and grandchildren. It's about what we need, what we want, and what we deserve. It's about uniting around our common values and making NY-23's rural communities, towns, and cities a great place to live, work and raise a family." DEMOCRATIC PRIMARY ELECTION DAY IS TUESDAY 6/26, POLLS ARE OPEN 12PM - 9PM The Wine... In this case, the Wineries Tracy has incredible knowledge of the local wineries, so much so, that we couldn't possibly list all the wines that were mentioned. So we'll list the wineries instead and you can go take a look at their selections! McGregor Vineyard Welcome to one of the oldest wineries in the Finger Lakes featuring estate grown and bottled vinifera wines. We invite you to sample these exquisite wines in our seated tasting room while enjoying the most spectacular views of Keuka Lake.
Fox Run Vineyards Fox Run Vineyards breaks down the barriers to the wine experience. We offer in-depth tours of the vineyard and winemaking facility, a friendly and knowledgeable staff, and a Café that features a fully house-made menu with produce from our garden. Fox Run Vineyards is family-owned, and has been making estate wines since 1989. Keuka Spring Vineyards For 30 years, Keuka Spring has been consistently recognized for excellence. Our http://www.keukaspringwinery.com/ksw2_team.html (friendly and knowledgeable staff) looks forward to guiding you through a tasting of our http://www.keukaspringwinery.com/ksw2_award.html (award-winning wines). Our wine list includes wines for every taste, http://www.keukaspringwinery.com/ksw_family.html (handcrafted from vineyard to bottle). We have one of the best selections of http://www.keukaspringwinery.com/ksw2_award.html#red (red) and http://www.keukaspringwinery.com/ksw2_award.html#white (white) wines in the Finger Lakes.
Anthony Road John and Ann Martini moved to Anthony Road in 1973 at the urging of a friend that touted the joys of grape growing in the Finger Lakes. They loaded up 2 young children and left their home in Baltimore, where John worked for WR Grace to set up their farming life on the west side of Seneca Lake. Surprisingly neither Ann nor John had an agricultural background, unless you count John’s youthful summers at his grandparent’s farm in Melvin, Illinois. But together and with the help of family and friends they planted their first 5-acres, Foch, in the summer of 1973. The vineyard grew, to 30-acres, as did the Martini family, to 4 children, but it was quickly realized that an outside job was needed to support their endeavors. John joined the staff at the...
Tony Ford FORD LAW 256 W 93RD ST, NEW YORK, NY 10025 212-799-0631 HELLO@FORDLEGALPLANNING.COM Tony Ford founded Ford Law to guide other New Yorkers in crafting comprehensive yet affordable estate plans. Prior to founding Ford Law, Tony practiced law for six years at large firms in Manhattan and for three years at a financial services firm. Tony lives with his wife and two boys in Manhattan's Upper West Side. His wife, Julie, is the founder of http://www.fordfinancialsolutions.com/ (Ford Financial Solutions, LLC), a fee-only financial planning practice in New York City. Tony can often be found playing baseball in Riverside Park with his boys. The Scotch HIGHLAND PARK SCOTCH MADE WITH PRIDE ON ORKNEY Our whisky, like our island home, is shaped by a wild climate and stormy seas, and by the Vikings who settled here over 1,000 years ago, leaving their mark on our people and our culture.
COMPASS BOX WHISKEY GLASGOW BLEND BLENDED SCOTCH WHISKY The second permanent whisky in the Great King Street range is full, rich and smoky on the palate with notes of baking spices and sherry wine notes.
The Wine
BOTA BOX CABERNET Bota Box Cabernet Sauvignon offers aromas of black cherry and blackberry with a touch of violet and black peppercorn. Medium in body, this wine is supple and juicy with rich flavors of red currant, black fruit compote and spice on the finish.
BLACK BOX MALBEC Luscious violet and blackberry aromas, with juicy plum flavors and hints of leather and chocolate. Black Box Wines Malbec has an earthy structure and balanced acidity that lead to a complex, velvety finish. CHIANTI CLASSICO WHAT MAKES IT CHIANTI? Chianti Classico is a DOCG wine and shows unique peculiarities and characteristics. Simply said, it is not enough to be produced in within the Chianti region to be called a "Classico". In fact Classico wine has to respect specific rules. Its blend is 80% of Sangiovese, the red grape typical of this area, 20% of other grapes which include native grapes such as Canaiolo and Colorino, as well as other international varieties such as Cabernet Sauvignon and Merlot. Its characteristics are a limpid ruby red color, floral notes for its odor and a harmonious, dry and sapid flavor with a good level of tannin. The minimum alcohol level should be 12 degrees. This Episode of Wine and Dime was brought to you by:
AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
Amy Refeca FACEBOOK @ATLWILLSANDTRUSTSLAWGROUP TWITTER @ATLWILLS_TRUSTS
In this episode of Wine and Dime, I chat with Amy Refeca. Amy is lawyer specializing in estate planning. In particular, estate planning for women... Mother. Wife. Christian. Business owner. Attorney. Cardinals Fan. Lover of MLB. Helping Women Protect What They Love With A Will or a Trust. We share financial stories and of course, talk about our favorite wines, or wine blends as it may be. One thing that I found very interesting is what Any calls "The Six D's of Estate Planning. And these center around life events that may trigger an Estate Plan, or a need to revisit the Plan. Death Divorce/Marriage Birth Day Disabled or Illness Dividend or Income Distance. If you or someone moves a distance near or far away. The Wine MALBEC SANGRIA Sangria is an alcoholic beverage of Spanish origin. A punch, the sangria traditionally consists of red wine and chopped fruit, often with other ingredients such as orange juice or brandy. This Episode of Wine and Dime was brought to you by: AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
Raquel Hinman WEBSITE: HTTP://HINMANFP.COM/ EMAIL: INFO@HINMANFP.COM FACEBOOK: @HINMANFP TWITTER: @RAQUELHINMAN In this episode of Wine and Dime, I chat with Raquel Hinman of Hinman Financial Planning. Her practice is best described as... well, I'll let you tell her herself... "At Hinman Financial Planning, Inc., I strive to help busy individuals and families who are committed to creating better financial lives for themselves. By blending the art and science of financial planning with low-cost, diversified portfolios, we move beyond crunching numbers to connect your money with your values." The Wine... Or in this case, the Tequila!! DELEÓN® TEQUILA
Made from the finest 100% Highland Blue Weber agave sourced from the rich earth of the Los Altos region of Jalisco. DeLeón® achieves astonishing depth of flavor in just two distillations – allowing the tequila to retain the unique character acquired during the fermentation process. Our master distiller artfully cuts the beginning and end of the distillation, allowing only the absolute best portion, or Corazon, to find its way into every bottle, creating a subtle taste profile with unrivaled smoothness. Displayed in a stunning bespoke bottle made from highest-quality fragrance-grade glass and boldly tattooed with the distinguishing mark of DeLeón®, each expression in the ultra-premium and luxury collections is strikingly defined. Transcript 01:59 - Favorite Wine and Why? Tequilla, Dark Beer, and then Wine Dark Beer - Vanilla Stout - Sweet Potato Stout 03:30 - Who is Raquel Hinman? 05:55 - Mental Health Partners Board information? 12:10 - What the organization does for people with mental health problems? 15:50 - How does serving on the board help in your financial planning practice? 18:45 - What do you find rewarding about serving for a cheritable organization? 21:20 - Raquel talks about her own firm and what led her to starting her own business 24:00 - Chatting about the clients and how they helped them achieve goals. 26:00 - Drawing parelles between mental health and financial wellness. 27:00 - State of Health Care in the United States. 28:40 - How health care affects your financial plan. 31:00 - Chat about the study group. 32:00 - My 7 years on this board has boiled down to "X"... 34:15 - Where can listeners find more information on mental health? 36:00 - How do you know the signs of mental health illness? 39:00 - Were you included in any money conversations as a child? 40:20 - Money Mistakes? 41:00 - What are your biggest financial concerns? 42:00 - Best and worst financial advice you ever recieved? 43:40 - Favorite Tequila? Puff Daddy Tequila, Silver Tequila. 45:15 - What's your defination of success? 46:50 - What feeds your soul? 48:30 - What is the one piece of advice that you can give to the listeners? 50:20 - What food pairing do you like with you tequila?
This Episode of Wine and Dime was brought to you by: AMY IRVINE IRVINE WEALTH PLANNING STRATEGIES, LLC 10 EAST MARKET STREET CORNING NY 14830 WWW.IRVINEADVISE.COM EMAIL: AMY@IRVINEADVISE.COM
Jeff Ryan THE RYAN AGENCY 57 BROADWAY MALL HORNELL, NY 14843 Telephone: 607-324-7500 E-mail: Service@RyanAgency.com In this episode of Wine and Dime, I pulled an old interview out of the archive. I sat down with Jeff Ryan of The Ryan Agency, to chat about Insurance and the important roll it plays in our financial lives. Jeff is the owner of The Ryan Agency located in Hornell NY, with offices also in Jasper and Wellsville, NY. The Ryan Agency is an Independent Insurance Agency that represents YOU. We don’t offer a product from just one insurance company. Rather we provide insurance programs from many top insurance companies and tailor an insurance package that fits your needs and budget. For Insurance Protection You Can Rely On, it’s The Ryan Agency. The Wine: CABERNET FRANC Cabernet Franc, one of the three pillars of the classic Bordeaux blend, has proven itself as a solid producer in the Finger Lakes wine region of New York. A lot of wineries prefer this as their staple red vinifera due to the vines shorter ripening period and cold tolerance. The key to making a fine Cab Franc starts in the vineyard. Pick too early and the wine will have an unsavory green bell pepper characteristic; pick to late and the fruit will be unsound leaving the winemaker rushing to stabilize the wine from spoilage. Bully Hill makes a downright tasty Cab Franc with the grapes being sourced from Seneca Lake. The current 2013 vintage was fermented in Redwood open top fermenters for maximum tannin and color extraction. Once finished and pressed off, we fill up oak casks down in the cellar to bring this fine wine to fruition. We do small lot production of 500 cases a year and thanks to our happy herd of customers this wine sells out annually! You notice the Owl on the label? This pen and ink was concocted by Walter S. himself, humorously illustrating his inability to use his last name during Bully Hill’s lawsuits with Coca-Cola. Walter S. Whoooooo, do you know Whooo? I know Whoooo! This wine truly is a hoot.
Gretchen CaldwellIn this episode of Wine and Dime, I talk to Gretchen Caldwell. As an Advisor at EP Wealth Gretchen focuses on helping people navigate financial transitions in their life including retirement, career changes, divorce and the death of a partner or spouse. She has her series 65 license, a certificate in Financial Planning from Santa Clara University and has passed the Certified Financial Planner® exam. Prior to joining EP Wealth Advisors, Gretchen ran her own RIA, Pure Planning LLC, that provided financial planning services to Bay Area families. Gretchen received a BA in Economics from the University of Nebraska, where she was a 4 year starter on the women’s golf team. After college Gretchen spent 15 years in software sales and sales recruiting. She worked at several Bay Area start-ups including Ramp Networks, Interwoven and Savvius. Gretchen lives in Danville with her husband, Harrison, and son, Trey, and their two dogs. In her free time Gretchen enjoys reading, baking and spending time with her extended family. The WineFrank Family Carneros Chardonnayhttps://www.frankfamilyvineyards.com/wine/napa-valley/carneros-chardonnay (https://www.frankfamilyvineyards.com/wine/napa-valley/carneros-chardonnay) Carneros Chardonnay is barrel fermented in 34% new, 33% once and 33% twice-filled French oak barrels for 9 months. While ageing on the lees, the wine was hand stirred regularly to promote depth and longevity. This wine appears light straw in the glass with aromas of toasted brioche, baking spices, and candied lemon rind. On the palate, the Carneros Chardonnay is full-bodied and creamy yet balanced by its lively acidity; with nuanced flavors of yellow apple, lemon curd, baked pear, melon, and subtle hints of oak toast. Amy IrvineIrvine Wealth Planning Strategies, LLC10 East Market StreetCorning NY 14830http://www.irvineadvise.com (www.irvineadvise.com)email: amy@irvineadvise.com
In this episode of Wine and Dime, I chat with the CEO of First Ascent Asset Management, Scott MacKillop. We chat about our favorite wines, “Flat Fee” asset management and much more! Thanks for checking out the show, and if you’re not already subscribe, please do so at the links below! Wine and Dime Website - https://goo.gl/oqh8sP Itunes - https://goo.gl/JZE7GV Google Play - https://goo.gl/GH2NY1 Scott MacKillopChief Executive Officer scott@firstascentam.com 720.465.7893 Featuring a flat-fee structure and simply elegant portfolios, First Ascent is an investment firm where clients truly do come first. What I do here:I imagine how we can become more useful to the financial advisors and clients we work for and encourage my teammates to do the same. Then I guide the process of turning those ideas into reality. When I close my door and roll up my sleeves, I am most likely to be working on educational material for our clients or communicating with advisors about what we do, and how and why we do it. Why I love my job:After 40 years in the financial services industry, I want to see if I can do things better. I think we can create better portfolios for long-term investors through improvements in the processes and practices commonly used in the construction and management of such portfolios. We can help individuals become more successful investors by increasing their confidence and understanding of investment fundamentals through clear, concise communications. We can offer low fees for high quality investment management services and put a cap on the amount a client pays annually. If we do all that, we will make a difference in the industry and in the lives of the advisors and clients we work with. The Wine In most red Châteauneuf-du-Pape, Grenache noir is the most common variety, although some producers use a higher proportion of Mourvèdre. Grenache produces a sweet juice that can have almost a jam-like consistency when very ripe. Syrah is typically blended to provide color and spice, while Mourvèdre can add elegance and structure to the wine. Some estates produce varietal (100%) Grenache noir, while a few producers insist on using at least a token amount of all thirteen originally permitted varieties in their blend. One of the only estates to grow all these varieties and use them consistently in a blend is Château de Beaucastel Châteauneuf-du-Pape red wines are often described as earthy with gamy flavors that have hints of tar and leather. The wines are considered tough and tannic in their youth but maintain their rich spiciness as they age. The wines often exhibit aromas of dried herbs common in Provence under the name of garrigue. Châteauneuf-du-Pape dominated by Mourvèdre tend to be higher in tannin and requiring longer cellaring before being approachable. In most red Châteauneuf-du-Pape, Grenache noir is the most common variety, although some producers use a higher proportion of Mourvèdre. Grenache produces a sweet juice that can have almost a jam-like consistency when very ripe. Syrah is typically blended to provide color and spice, while Mourvèdre can add elegance and structure to the wine. Some estates produce varietal (100%) Grenache noir, while a few producers insist on using at least a token amount of all thirteen originally permitted varieties in their blend. One of the only estates to grow all these varieties and use them consistently in a blend is Château de Beaucastel. Châteauneuf-du-Pape red wines are often described as earthy with gamy flavors that have hints of tar and leather. The wines are considered tough and tannic in their youth but maintain their rich spiciness as they age. The wines often exhibit aromas of dried herbs common in Provence under the name of garrigue. Châteauneuf-du-Pape dominated by Mourvèdre tend to be higher in tannin and requiring longer cellaring before being approachable. Amy Irvine of Irvine Wealth Planning Strategies, LLC 10 East...
In this episode of Wine and Dime, I will be chatting with Jennifer Harper and Laura Coleman from Common Cents Financial Literacy, Inc. “Common Cents is a 501(c)(3) nonprofit organization that has been providing practical financial education since 2005. They typically focus on students aged 16-22, a critical time for developing positive financial habits. Being able to successfully manage personal finances is a critical skill that affects everyone, regardless of income. Unfortunately, it is rarely taught in an applicable way. They don’t teach the old ‘if you save x per month at y% for 40 years, you’ll be a millionaire’ kind of classes. While all of that is true, they do our best to make it real.” You can find Common Cents on the web at http://www.ccfli.org/ (http://www.ccfli.org/) The Wines: Blueberry Cider - From Apple Valley Orchards http://www.applevalleyorchard.com/ (http://www.applevalleyorchard.com/) Zen of Zin - Zen of Zin was designed with one goal in mind: to capture the non-traditional Zinfandel consumer. For this consumer group, the “Way to Zinlightenment” is a blend specially crafted to be softer and sweeter than traditional Zinfandels in the Constellation Brands portfolio. Zen of Zin also offers a more lifestyle-driven approach to Zinfandel, encouraging wine drinkers to pour often, experiment freely, seek beauty, breathe deeply, and share wisdom. Books Discussed in this Episode:Happy Money: The Science of Happier Spending https://www.amazon.com/Happy-Money-Science-Happier-Spending/dp/1451665075 (https://www.amazon.com/Happy-Money-Science-Happier-Spending/dp/1451665075) Fun & Creative Dates for Married Couples: 52 Ways to Enjoy Life Together https://www.amazon.com/Fun-Creative-Dates-Married-Couples/dp/1476747946https://www.amazon.com/Fun-Creative-Dates-Married-Couples/dp/1476747946 (https://www.amazon.com/Fun-Creative-Dates-Married-Couples/dp/1476747946) Amy Irvine of Irvine Wealth Planning Strategies, LLC 10 East Market Street Corning NY 14830 http://www.irvineadvise.com (www.irvineadvise.com) email: amy@irvineadvise.com
In this episode of Wine and Dime, I will be chatting with Linden Cornett. Linden founded Seagrass Financial (https://www.seagrassfinancial.com/ (https://www.seagrassfinancial.com/)) … Seagrass Financial is a fee-only financial planning and portfolio management firm. The mission of Seagrass Financial is to provide unbiased financial advice and portfolio management services at a fair price. https://www.seagrassfinancial.com/contact (https://www.seagrassfinancial.com/contact) https://www.linkedin.com/in/linden-c-18aa192/ (https://www.linkedin.com/in/linden-c-18aa192/) http://moneyboss.com/the-six-stages-of-financial-freedom/ (http://moneyboss.com/the-six-stages-of-financial-freedom/) The Wine discussed in this episode: Sparkling Wines We recommend a Keuka Lake winery Pleasant Valley Great Western Sparkling Brut Rose Great Western Sparkling Burgundy https://us.nakedwines.com/products/f-stephen-millier-angels-reserve-cabernet-sauvignon-2016 (https://us.nakedwines.com/products/f-stephen-millier-angels-reserve-cabernet-sauvignon-2016) Amy Irvine of Irvine Wealth Planning Strategies, LLC 10 East Market Street Corning NY 14830 http://www.irvineadvise.com (www.irvineadvise.com) email: amy@irvineadvise.com
In this episode, I chat with Todd Sensing. As a father of two sons on the autism spectrum, FamilyVest’s founder Todd Sensing has a passion for helping families with special needs. After the birth of his boys, he quickly realized just how little guidance and how few resources there are for families like his. This added anxiety to what is already a challenging situation.
Italian Red Wines
https://www.winescholarguild.org/blog/top-ten-italian-red-wines-beginner-guide.html
From FamilyVest Website:
https://www.familyvest.com/special-needs-planning
https://cdn2.hubspot.net/hubfs/2998516/eBook%20Files/7.13.17ebookHubcopy-1.pdf
https://cdn2.hubspot.net/hubfs/2998516/9.1.Files/7%20KEYS%20TO%20FINANCIAL%20PEACE%20OF%20MIND.pdf
https://www.familyvest.com/family-vest/blog/the-letter-of-intent-an-essential-planning-tool-for-your-special-needs-child
http://specialvest.com/
https://www.linkedin.com/in/toddsensing/
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this episode of Wine and Dime, I welcome the newest member of Irvine Wealth Planning Strategies, Katie Welker! Katie is joining the team as our newest financial planner that has a specialty in taxes.
Website info: https://www.irvineadvise.com/kates-bio/
The Wine:
Bully Hill - Merlot - Blackberry aromas and plum flavors rest on a medium bodied frame of cedar and firm tannins.
https://www.bullyhillvineyards.com/wine/3/love-my-goat-2/
About Kate
Kate@irvineadvise.com
607-438-3204
Puzzles always intrigued me. Crosswords, logic puzzles, whatever the sort of puzzle I love taking little pieces of information and putting them together to solve a problem.
I was a student at Alfred State College majoring in Humanities and planning on transferring to a law program when a mentor suggested I go talk to someone in the business department about the financial planning program. When I learned what financial planning was I knew it was the right choice for me.
I obtained my first job in the financial services industry in 2005 with a large insurance company. The position involved heavy sales and little planning. I quickly learned what type of financial advisor I was not meant to be and left to join a financial planning firm working under a CFP. I enjoyed working with clients, doing supervisory work, and creating financial plans.
In 2009 I transitioned to focusing on income tax planning and preparation. I had interned at Alsheimer & Evarts Tax Accounting in college and fell in love with taxes and planning. Since that time I had always worked doing income tax preparation during the tax season, but transitioned to a full time career at Alsheimer & Evarts. I continue to hold this position and love meeting new clients, developing relationships that stretch over years, and facing a new situation every day.
I missed being able to handle the investment piece for clients and I was able to become an independent registered representative in 2011. I ran my own small financial business alongside my position at Alsheimer & Evarts.
My goal in financial planning had been to transition to fee only and I was researching how to transition my business and what direction to take. I had met Amy Irvine in college and considered her a dear friend and mentor, I had been thinking of reaching out to her when I ran into her at a football game. We began a conversation and in 2018 I joined Irvine Wealth Planning Strategies.
My husband Paul and I have two children who keep us very entertained. I am a youth leader at Alfred Almond Bible Church, a Cub Scout den leader, and assist my husband in managing the Hornell Dodgers as part of the New York Collegiate Baseball League.
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this episode of Wine and Dime, I will be conversing with Financial Coach, Ray Giese. After a corporate career of 30+ years, Ray has devoted his "encore career" to passing on what he has learned and utilized in order to help people realize financial freedom. He specializes in career coaching and how to translate human capital (your ability to work and earn money) into long-term financial capital (utilizing best practice investing methods) - allowing a person to achieve financial freedom. He desires to “pass the torch” to a younger generation, helping them create their own “career map” and reach a position of personal and financial freedom that they deem appropriate for their own situation.
Look for Ray on the web at https://www.highlandsco.com/
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this episode of Wine and Dime, I will be chatting with Nannette Kamien. Nannette founded Inspiration Financial Planning after a 15-year career in business and information technology, because she loves personal finance and helping others find their financial inspiration.
More information is available at https://www.irvineadvise.com/college-planning/, www.inspirationplanning.com/college and you can go to “How to have the College Money Talk.”
The Wine discussed in this episode:
Pinot Grigio - a zesty white wine that is as refreshing as a cold glass of lemonade on a hot summer’s day. The second most popular white wine in America, Pinot Grigio (aka Pinot Gris) is a dry white wine that has a punchy acidity with flavors of lemons, limes, green apples and honeysuckle.
We recommend the Goose Watch Pinot Grigio, which according to the Goose Watch Winery website, its lightly floral rose petal aromas and pear-like flavors, this varietal has surprising body and richness. A great food wine, especially with seafood.
https://goosewatch.com/products/pinot-grigio/
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this episode of Wine and Dime, I will be talking to the Jim Caron. Jim is a Cellar Master at Bully Hill Vineyards, located in Hammondsport, NY, overlooking Keuka Lake. We talk about the wines, and how the wine industry impacts the local economy. We hope you enjoy this episode. You can find out more about Bully Hill by checking out their website at https://www.bullyhillvineyards.com/
The Wine:
Old Mischief: A masterful Red Blend, with ripe flavors of raspberry and plum; accented by hints of spice.
Cabernet Franc: Bully Hill makes a downright tasty Cab Franc with the grapes being sourced from Seneca Lake. The current 2013 vintage was fermented in Redwood open top fermenters for maximum tannin and color extraction. Once finished and pressed off, we fill up oak casks down in the cellar to bring this fine wine to fruition. We do small lot production of 500 cases a year and thanks to our happy herd of customers this wine sells out annually!
Gewürztraminer: is a variety with a pink to red skin colour, which makes it a "white wine grape" as opposed to the blue to black-skinned varieties commonly referred to as "red wine grapes". The variety has high natural sugar and the wines are white and usually off-dry, with a flamboyant bouquet of lychees. Indeed, Gewürztraminer and lychees share the same aroma compounds.[1] Dry Gewürztraminers may also have aromas of roses, passion fruit and floral notes. It is not uncommon to notice some spritz
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this episode of Wine and Dime I will be chatting with Mark Struthers. Mark is a Gen X father that loves using his 14 years of experience, his education, and the freedom to act as a fiduciary to help families build and preserve wealth. He specializes in planning for and paying for college, while still helping families succeed.
The Wine:
Pinot Noir by Lakewood Vineyards: A classic garnet color suggests the feminine elegance and youth of this wine. Aromas of cherry, plum and toast precede a medium weight palate with a sturdy tannic backbone, finishing warm with hints of stonefruit and wood. Perfect with salmon, duck, and lamb. http://lakewoodvineyards.com/pinot-noir/
Malbec from South America:
Malbec is a purple grape variety used in making red wine. The grapes tend to have an inky dark color and robust tannins, and are known as one of the six grapes allowed in the blend of red Bordeaux wine. The French plantations of Malbec are now found primarily in Cahors in South West France. It is increasingly celebrated as an Argentine varietal wine and is being grown around the world.
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this episode of Wine and Dime I will be chatting with Aaron T. Alsheimer. Aaron is an attorney with Sayles & Evans, which is located in Elmira, NY. His practice focuses on business and estate matters. We will be talking about the benefits of LLC’s and protecting yourself and your business.
Wine Recommendation - Salmon Run Chardonnay Riesling -- Medium intensity with fresh fruit dominant characters of sweet citrus, honeydew melon, subtle violet and bright pineapple notes. The blend’s aim is to preserve the fruity characters and richness from Chardonnay, with the refreshing citrus and crisp acidity from Riesling.
http://www.drfrankwines.com/wine-detail.asp?WineType=2&Wine=33
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
In this edition of “Wine and Dime”, we will be talking to Brian Hanks. Brian is an MBA and CFP, and currently lives in Idaho. After earning his undergraduate degree in business from Brigham Young University, Brian worked in several companies including Cain, Watters and Associates where he first learned how fun working with Dentists could be.
He earned his MBA from the University of Michigan and worked on Wall Street for Goldman Sachs, and Bank of America. He left the world of corporate advisory because he did not like all the conflicts of interest inherent in their business models.
Brian is thrilled to be working for as an independent, fee-only advisor serving the dental community with tax, accounting/bookkeeping, financial planning and investment services. He specializes in helping newer dentists buy dental practices.
This Episodes wine choice is Lemberger by Lakewood Vineyards. This wine has great intensity of flavor. Notes of black raspberries and white pepper highlight a toasty bouquet. Finishing dry with flavors of raspberry and hints of spice. Try this with red meat (terrific with prime rib), and earthy dishes like grilled Portobello mushrooms.
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com