The Prosperous Life – Secure Your Wealth and Account for Your Future: Recent Episodes
The Prosperity Consulting Group and The Hoffman Group
Are you ready to secure your wealth, reduce your tax burden, and account for your future? The Prosperous Life brings you a powerful collaboration between The Prosperity Consulting Group, a wealth management company, and The Hoffman Group, a full-service Certified Public Accounting firm. This podcast delivers actionable advice to help you embrace life, prepare for a comfortable future, and unite with your full potential. Each episode will feature an interview with our highly knowledgeable professionals including Certified Financial Planners (CFP®), and Certified Public Accountants (CPA), among others. Listeners will learn about tax efficient investing strategies, saving for their future, minimizing taxes, investment fees, and more. If you're ready to expand your financial knowledge, and make the most of your money, this show is for you! Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC. This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. This information is for educational purposes only. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.The Prosperity Consulting Group is not affiliated with The Hoffman Group
Every time you receive a piece of mail or print a document with personal information, you could be exposing yourself to identify theft and fraud. Rheta Robertson, Partner at The Shred Mill, discusses how individuals and businesses can protect themselves by safely disposing of personal information.
In this episode, we will discuss:
* The safest way to dispose of paper documents in your home or office
* How to identify which documents need to be shredded
* How to safely store documents that you need to keep paper copies of for several years
* What is the difference between onsite shredding and offsite shredding
* What is a shredding event, and how you can find a shredding event near you
* What are the risks of not safely disposing of personal information
Contact Rheta Robertson :
www.theshredmillmd.com
rrobertson@brcmd.com
410.534.2990 Ext. 200
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The Prosperity Consulting Group, LLC is not affiliated with The Shred Mill, LLC.
Although Medicare Part A & B may cover up to 80% of expenses, many people find that is not enough. This leads them to look towards additional coverage through Medicare Supplement or Medicare Advantage plans. On this episode of The Prosperous Life, Tracy Russo, Medicare expert and President of HTA, is here to uncover the pros and cons of these plans.
In this podcast, you will learn:
- Does Medicare A and B provide enough coverage?
- The key differences between Medicare Advantage and Medicare Supplement plans
- How to switch between Medicare Supplement and Medicare Advantage
- When is the right time to change your Medicare plan
- Differences in enrollment periods for existing Medicare subscribers and new subscribers
Contact Tracy Russo at HTA:www.htafinancial.com
Medicare@htafinancial.com
610.430.6650
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The Prosperity Consulting Group, LLC is not affiliate with HTA.
The COVID-19 pandemic significantly impacted many of us, forcing some to forgo raises or even take pay cuts to keep their jobs. Businesses slowed down, some closing their doors forever, and many of us have had to alter our financial goals. As restrictions ease and life returns to normal, Lauren Rebbel, CFP®, CDFA®, is here to provide tips on how to regain financial momentum post-pandemic.
In this episode, we will discuss:
- How to get back on track financially post-pandemic and rebuild your financial nest egg
- How the pandemic has changed people's financial goals and how to pivot your financial plan accordingly
- Tips on paying down accrued debts and how to reduce your bills
- How to use investments as a tool to build wealth despite market volatility
Contact Lauren Rebbel:
www.prosperityconsult.com/lauren-m-rebbel
LMR@prosperityconsult.com
410.363.7211
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
Financial disagreements and issues are a leading cause of divorce in the United States. While no one plans to have to sit in front of a family law attorney when they get married, many couples struggle with financial issues. In this episode, we're joined by Wendy Meadows, family law attorney, litigator, and experienced mediator, who discusses tips on how to prevent finances from getting in the way of your happily ever after.
In this episode, you will learn:
- Advice on how to talk to your partner about finances
- Red flags to look out for when you have financial issues with your spouse
- What to do if your spouse doesn't want to discuss money with you
- Difference between a family law attorney and mediator
- When it's time to seek help from a mediator or family law attorney
Contact Wendy Meadows:www.wendymeadowslaw.com
wendy@wendymeadowslaw.com
410.403.0600
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The Prosperity Consulting Group, LLC is not affiliated with Wendy Meadows Law.
A CPA is one of the most trusted advisors you can have by your side, but choosing the wrong firm could mean leaving money on the table come tax day. With so many choices, how can you determine if the CPA you're hiring will be a good fit for your needs? On this episode, we're joined by Donald Hoffman, MS, CPA, Managing Partner of The Hoffman Group and President of The Prosperity Consulting Group, to share valuable tips on how to choose the right CPA for you or your business.
In this episode, you will learn:
- How to find a CPA who understands your personal or business needs
- The difference between an accountant and a CPA
- How to get the most credible references for a CPA
- How to determine if a CPA is competent in your service area
- Red flags to watch out for when choosing a CPA
Contact Don Hoffman:dnh@prosperityconsult.com
410.363.7211
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
With various business ownership options, you may find yourself asking what's right for you? Choosing the wrong entity can be costly for your business in terms of taxes, liability exposure, and more. Donald Hoffman, MS, CPA, President of The Prosperity Consulting Group and Managing Partner of The Hoffman Group, discusses what you need to consider before making a decision.
In this podcast, you will learn:
- The most common types of business ownerships
- Things you must consider when choosing a business entity
- Pros and cons of an LLC vs. Corporation
- How each type of business entity is taxed
- Consequences of choosing the wrong type of business entity
Contact Donald Hoffman:www.hoffmancpas.com/donald-n-hoffman-ms-cpa
dhoffman@hoffmancpas.com
443.320.4101
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
As women are leaning into their careers, asking for raises, starting businesses, and making more money, their financial goals are constantly evolving. Financial planning for women in their 20s looks drastically different than for women in their 50s. On this episode, we're joined by Lauren Rebbel, CFP®, CDFA®, Partner at The Prosperity Consulting Group, to discuss financial planning steps every woman should make in various stages of her life.
In this episode, you will learn:
- How women's financial planning goals differ from men's
- Financial planning strategies women should make in their 20s, 30s, 40s, and 50s
- How women's financial goals change throughout their life
- Tips for women to prioritize their finances
Contact Lauren Rebbel:
www.prosperityconsult.com/lauren-m-rebbel
LMR@prosperityconsult.com
410.363.7211
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The COVID-19 pandemic has been difficult not just for the health of our society, but also the health of our economy. With a recovering job market, slowly moving interest rates, and recent economic stimulus, how is our economy doing in 2021? We are joined by Sean Reitenbach, CFA®, Senior Investment Analyst, to discuss what we can expect as our economy recovers from COVID-19.
In this podcast, we will discuss:
- The main factors driving economic recovery
- How the acceptance of the COVID-19 vaccine may impact the speed at which our economy recovers
- Impact of stimulus on our economy, future inflation and national debt
- Impact of interest rates on our economic recovery
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
When approaching the age for Medicare, there are some common questions: Do I have to apply for Medicare when I turn 65? What if I'm still working and receiving employer-sponsored health care? Should I defer enrolling in Medicare, and if I do, how can I be sure I won't be penalized? On this episode of The Prosperous Life, Tracy Russo, President of HTA, is here to shed some light on Medicare enrollment, timing considerations, and more.
In this podcast, you will learn:
- Who needs to enroll in Medicare and when should they apply
- The consequences of not applying for Medicare during your enrollment period
- Reasons to defer enrolling in Medicare at age 65 and how to defer
- When to enroll in Medicare if you're still working at age 65
- The definition of credible coverage in the eyes of Medicare
- Medicare's interaction with COBRA, retiree plans, severance coverage, and health savings accounts (HSAs)
Contact Tracy Russo at HTAwww.htafinancial.com
Medicare@htafinancial.com
610.430.6650
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
410.363.7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The Prosperity Consulting Group, LLC is not affiliate with HTA.
We are joined by Mark Greenberg, CEO of Equity Mortgage Lending to discuss real estate, mortgages, interest rates and more! During the COVID-19 Pandemic, we have seen interest rates plummet as the price of housing continues to grow.
In this podcast, you will learn:
· How current interest rates are impacting the real estate market
· Is this a good time to buy, sell, or refinance?
· Where the housing market and interest rates are going in the future
· The potential impact of Biden’s proposed $15,000 first time home buyer tax credit
Mark Greenberg is the CEO of Equity Mortgage Lending, a full-service mortgage banker that handles purchases and refinances of primary residences, second homes and investment properties. Mark has been in the mortgage industry since 1981 and knows that asking proper questions is critical in understanding his clients' goals. Mark educates his clients throughout the lending process while providing them with ample options so they can make informed decisions aligned with their personal and financial goals. In today's digital landscape, Mark prides himself on sharing his experience and knowledge personally to provide the best services and products available in our marketplace.
Contact The Prosperity Consulting Group:
www.prosperityconsult.com
info@prosperityconsult.com
(410) 363-7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Contact Mark Greenberg at Equity Mortgage Lending:
www.equitymortgagelending.com/
mgreenberg@equitymortgagelending.com
443-471-4307
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The Prosperity Consulting Group, LLC is not affiliated with Equity Mortgage Lending
Chances are, you will need long-term care services in your lifetime. While the thought of not being able to take care of a loved one, let alone yourself, may not be a pleasant one, it is vital to consider how you will protect yourself and your assets, should you need care in the future.
In this podcast, you will learn:
· Chances you will need long-term care in your lifetime
· What long-term care is and what long-term care covers
· The pros and cons of different types of long-term care policies
· Advice on how to discuss long-term care with your family
Contact The Prosperity Consulting Group:
www.prosperityconsult.com
info@prosperityconsult.com
(410) 363-7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
There are many factors to consider before applying for Medicare. Getting started can bring up a slew of new questions. When do I qualify for Medicare, and what will it cover? What will Medicare cost, and which parts do I need? Tracy Russo, President of HTA, is here to give us an overview of Medicare and shed light on some critical factors to consider before applying.
In this podcast, you will learn:
- Who qualifies for Medicare
- Consequences of not signing up for Medicare
- The four main parts of Medicare (Parts A, B, C, and D), what they cover, and how they interact
- When to enroll in Medicare
- The cost of Medicare
Contact Tracy Russo at HTA
Medicare@htafinancial.com
610-430-6650
https://htafinancial.com/
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
(410) 363-7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Securities offered through Triad Advisors, LLC., Member FINRA/SIPC. Investment advisory services offered through The Prosperity Consulting Group, LLC. The Prosperity Consulting Group, LLC is not affiliated with Triad Advisors, LLC.
This information is intended for educational purposes only. It is not intended to provide any investment advice or provide the basis for any investment decisions. You should consult your financial adviser prior to making any decision based on any specific information contained herein. It is not intended to provide, and should not be relied on for, any tax or legal advice. You should consult your tax or legal adviser prior to making any decision based on any specific information contained herein.
The Prosperity Consulting Group, LLC is not affiliated with The Hoffman Group, LLC.
The Prosperity Consulting Group, LLC is not affiliate with HTA.
After a volatile year in 2020, we look forward to what the future holds for our economy. The Prosperity Consulting Group's Senior Investment Analyst, Sean Reitenbach, CFA®, discusses what we can expect as vaccine roll-out picks up pace, and a new administration takes control of our government.
In this podcast you will learn:
- What factors could impact the economy in 2021
- Where is the economy headed now that COVID-19 numbers are coming down
- What are the potential headwinds and tailwinds of a new administration in Washington
- Recommendations for investors in 2021
Contact The Prosperity Consulting Group:www.prosperityconsult.com
info@prosperityconsult.com
(410) 363-7211
Contact The Hoffman Group:
www.hoffmancpas.com
info@hoffmancpas.com
443.320.4101
Estate planning services offer peace of mind that our wishes will be executed once we're no longer here for our families, but even a small mistake in your estate documents could lead to an unintended transfer of assets. Don Hoffman, President of The Prosperity Consulting Group and Managing Partner of The Hoffman Group, talks about estate planning pitfalls to avoid and how to make sure your assets end up in the right hands.
In this podcast, you will learn:
- How to ensure a successful transfer of assets to your designated beneficiaries
- Circumstances that trigger the need for estate planning services
- How to determine if your wills, trusts, and estate documents genuinely reflect your wishes
- Benefits of utilizing a living trust for the transfer of assets
- What happens to your assets if you don't have an estate plan
Contact information:info@prosperityconsult.com or info@hoffmancpas.com
www.prosperityconsult.com
www.hoffmancpas.com
When preparing for retirement, there are is always one big question: how long will my money last? Erin Ansalvish, Director of Financial Services and Partner at The Prosperity Consulting Group, shares valuable and actionable retirement strategies to make planning for your retirement a little less scary and a lot more rewarding.
In this podcast you will learn:
· The components of a successful retirement plan
· How long will your money last in retirement
· Whether you should maintain your current lifestyle in retirement
· Considerations to make when determining if your assets will last through retirement
· Forecasting your cash flow through retirement
Contact us at info@prosperityconsult.com or info@hoffmancpas.com
www.prosperityconsult.com
www.hoffmancpas.com