06-26-2022 Dollars & Sense, Answering Listener’s Questions

26Jun

BROADCAST: Dollars & Sense, 06/26/2022

Episode Summary: Marc is joined by his wife Laura to read listener’s questions. The answers he offers might surprise you.

SEGMENT 1: (1:54) Marc answers your questions regarding cashing out on portfolios and sitting on the sidelines until things get better. Also... what is going on with gas prices?

SEGMENT 2: (16:57) Housing prices are up, the cost of food is outrageous, and airline tickets are through the roof! Who is to blame for the economic mess that we are in?

SEGMENT 3: (31:24) What should I be doing with the remainder of my savings after I have saved enough for emergency funds?  

SEGMENT 4: (43:29) How is it possible to NOT worry when my investment portfolio is down?

A full complement of Dollars & Sense broadcasts found here.

 

DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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Dollars & Sense podcast now streaming on:
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06-19-2022 Dollars & Sense, Best (and Worst) Financial Advice From Dad

19Jun

BROADCAST: Dollars & Sense, 06/19/2022
Episode Summary: During the first half of the show, Marc is joined by his business partner Marion to discuss the Fed’s recent decision to increase interest rates. In the second half, Marc’s kids surprise him for Father’s Day by sharing the best and worst financial advice they have ever received from him.

 

SEGMENT 1: (00:49) What is the Fed going to do with interest rates, what does that mean for the economy, and should long-term investors be concerned?

SEGMENT 2: (14:25) The Fed announced it will increase interest rates by .75% to try to combat inflation… so what does this mean for the average person and for the markets?

SEGMENT 3: (31:11) Happy Father’s Day! Marc’s kids discuss the best (and worst) financial advice they have ever received from their dad.  

SEGMENT 4: (46:20) Some nuggets of fatherly financial advice are timeless, while others do not age as well. Marc’s children continue to share the best and worst advice they have received from their dad.

 

A full complement of Dollars & Sense broadcasts found here.

 

DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcastspreviously known as iTunes
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06-12-2022 Dollars & Sense, Who’s to Blame for the State of Our Economy?

12Jun

BROADCAST: Dollars & Sense, 06/12/2022

Episode Summary: During this episode of Dollars & Sense, Marc discusses who the REAL culprits are to blame for this new economic paradigm shift in America. You may be surprised by his thoughts.

 

SEGMENT 1: (1:54) For experienced investors, the fact that the market is down should not be shocking. However, new investors have not experienced the ups AND DOWNS of the market yet. It is important to remember investing is not a get-rich-quick scheme. Neither life nor the markets move in only one direction.

SEGMENT 2: (16:12) Perhaps the reason we are all a little more down lately is because we place blame and focus on what we cannot control. We have created an environment for younger generations that is our own doing. For example, have you taught your kids how to “adult”? Until we change, we create the problem. Pointing the blame to someone else needs to be tossed out the window.

SEGMENT 3: (31:03) What is the most important piece of your financial puzzle? Is it the corner? The middle? The edges? ...it is actually the cover of the box. How can you put your life together when you do not have a big picture of that should look like?

SEGMENT 4: (43:49) We need to do a better job at preparing for our financial future. We cannot continue to step in for our children who overspend. What is it that YOU want to do in retirement? Make the most out of your life and start celebrating you!

 

DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcastspreviously known as iTunes
Google Podcasts
TuneIn + Alexa
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PodBean

 

05-22-2022 Dollars & Sense, How to Make Rational Investment Decisions During Emotional Times

22May

BROADCAST: Dollars & Sense, 05/22/2022

Episode Summary: On this episode of Dollars & Sense, Marc Freedman, CFP® and Marion Gilman, CFP® continue the discussion on strategies for managing your investment portfolio in the midst of market turbulence, rising interest rates and skyrocketing inflation.

 

SEGMENT 1: (00:49) Investing should be a long term commitment.

SEGMENT 2: (15:30) Where did the free bread go? The stock market going up and down is just one of the many challenges we will face in life. Another is the current car inventory situation. However, there are ways to work around this.

SEGMENT 3: (31:30) Hope is not a strategy. You should live well within your means. Do not spend what you one day hope to have, only spend based on your current income today.

SEGMENT 4: (43:50) Who benefits the most from working with a financial professional?

A full complement of Dollars & Sense broadcasts found here.

 

DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcastspreviously known as iTunes
Google Podcasts
TuneIn + Alexa
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05-15-2022 Dollars & Sense, Market Turbulence, Rising Interest Rates, & Skyrocket Inflation

17May

BROADCAST: Dollars & Sense, 05/15/2022

Episode Summary: Marc Freedman, CFP® and Marion Gilman, CFP® discuss strategies for managing your investment portfolio in the midst of market turbulence, rising interest rates and skyrocketing inflation.

 

SEGMENT 1: (00:49) Learn about some exciting changes at Freedman Financial and how to make rational investment decisions during emotional times.

SEGMENT 2: (17:02) Answering your questions: What is contributing to marketing volatility? Are we overdue for a market correction? How to bonds work? … And more!

SEGMENT 3: (32:13) We are living in times of high anxiety, and the crazy housing market is currently a cause of this.

SEGMENT 4: (42:20) How does Freedman Financial build the confidence of a nervous investor?

A full complement of Dollars & Sense broadcasts found here.

 

DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcastspreviously known as iTunes
Google Podcasts
TuneIn + Alexa
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05-08-2022 Dollars and Sense, Mother’s Day Special ft. Laura Freedman

8May

BROADCAST: Dollars & Sense, 05/08/2022

Episode Summary: Marc is joined by his wife Laura for a special Mother’s Day broadcast. During this segment, Marc and Laura discuss the best piece of financial advice listeners have received from their mothers, aunts, and grandmas. Marc and Laura also share advice they have received from their own moms.

 

SEGMENT 1: (00:55) Shop smart and do your research when shopping! When you can, buy the best quality items. Better quality items last longer and will not need to be replaced as often.

SEGMENT 2: (14:48) If you are not happy in your current job, determine why that is. Money may not always be the root of the problem at a job.

SEGMENT 3: (30:16) Spend some of your money on you, you deserve it.

SEGMENT 4: (42:20) Teach your kids how to be independent and financially responsible. Save more than you spend and if you cannot afford it, do not buy it.

A full complement of Dollars & Sense broadcasts found here.

 

DISCLOSURES:
During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcastspreviously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean

05-01-2022 Dollars & Sense, Questions You Should Ask to Prepare for Retirement

1May

BROADCAST: Dollars & Sense, 05/01/2022

Episode Summary: Marc is live in studio this week and is joined by Christian Karcher, CFP®, Director of Financial Planning. During this show, they discuss the questions you should be asking to prepare for transitioning to retirement.

 

SEGMENT 1: (1:18) Where do you want to travel to and live during retirement?

SEGMENT 2: (17:00) What am I going to do with my free time during retirement?

SEGMENT 3: (25:22) Am I going to spend money the same way in retirement that I am today?

SEGMENT 4: (32:33) What is my tax rate going to be in retirement?

SEGMENT 5: (45:46) What does my current estate plan look like?

A full complement of Dollars & Sense broadcasts found here.

DISCLOSURES:

During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Financial Planning and Investment advice is offered through Freedman Financial, an SEC Registered Investment Advisor located in Peabody, Massachusetts. Securities are offered through LPL Financial, a Member of FINRA and SIPC. Freedman Financial is a separate entity from LPL Financial.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

Tracking #1-05275642

 

Dollars & Sense podcast now streaming on:

Spotify
iHeartRadio
Apple Podcastspreviously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean

04-24-2022 Dollars & Sense, Financial Literacy Month

24Apr

BROADCAST: Dollars & Sense, 04/24/22

Episode Summary: Marc is live in studio this week. APRIL is Financial Literacy month and dedicated the entire broadcast to the subject. Marc is joined by Christian Karcher, CFP®, Director of Financial Planning, and Marion Gilman, CFP®, Executive Vice President and Partner to discuss FINANCIAL LITERACY.

SEGMENT 1: (1:18) How do people think about Money?! Christian spotlights the level the paradigm of keeping cash has changed.

SEGMENT 2: (16:48) What is an investor to do when inflation is higher than interest?

SEGMENT 3: (33:31) Focus on knowing how money comes and goes out of the household.  Don’t think of it as a budget… think of it as a financial plan. ‘Live within your means’.

SEGMENT 4: (46:12) Strategies as to how you can build a financial plan to get yourself ready for your financial future.

 

SPECIAL EPISODE ADDITIONS: FINRA Foundation study, Testing the Effectiveness of Financial Education Across 76 Randomized Experiments, found here https://www.finrafoundation.org/sites/finrafoundation/files/Financial-Education-Matters-Testing-Effectiveness-Financial-Education_1.pdf

 

FINRA Financial Capability Quiz, found here. https://www.usfinancialcapability.org/

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A full complement of Dollars & Sense broadcasts can be found here. #Enjoy

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Dollars & Sense is hosted by CFP® Marc Freedman of Freedman Financial, "Dollars & Sense" is designed to provide “Financial Advice in a Language You Can Understand®”, Marc gives listeners a chance to learn about financial planning, investments, retirement, and more so that they can make smart financial decisions for themselves and their families. &nubs;

*** FINANCIAL ADVICE IN A LANGUAGE YOU CAN UNDERSTAND® ***

_________________________

During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Financial Planning and Investment advice is offered through Freedman Financial, an SEC Registered Investment Advisor located in Peabody, Massachusetts. Securities are offered through LPL Financial, a Member of FINRA and SIPC. Freedman Financial is a separate entity from LPL Financial.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

04-10-22 Dollars & Sense, Capital Gains Resulting in Unexpected Tax Payment

10Apr

BROADCAST: Dollars & Sense, 04/10/22

Episode Summary: Marc chats about his recent schooling in tequila and how some folks are surprised at their tax obligation… can you say… Capital Gains.

SEGMENT 1: (1:18) Marc discusses his ‘tequila revelation… and answers why your tax obligation for 2021 is an unexpected one for some.

SEGMENT 2: (18:17) Capital gains and taxes, can you minimize distribution?

SEGMENT 3: (35:18) Mortgage rates and housing prices.

SEGMENT 4: (50:53) Listener questions 

 

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A full complement of Dollars & Sense broadcasts can be found here. #Enjoy

--

Dollars & Sense is hosted by CFP® Marc Freedman of Freedman Financial, "Dollars & Sense" is designed to provide “Financial Advice in a Language You Can Understand®”, Marc gives listeners a chance to learn about financial planning, investments, retirement, and more so that they can make smart financial decisions for themselves and their families. &nubs;

*** FINANCIAL ADVICE IN A LANGUAGE YOU CAN UNDERSTAND® ***

_________________________

During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Financial Planning and Investment advice is offered through Freedman Financial, an SEC Registered Investment Advisor located in Peabody, Massachusetts. Securities are offered through LPL Financial, a Member of FINRA and SIPC. Freedman Financial is a separate entity from LPL Financial.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

04-03-22 Dollars & Sense, Know What Your Complete Financial Pic Looks Like?

3Apr

BROADCAST: Dollars & Sense, 04/03/22

Episode Summary: Marc is live in-studio and asks if you have a full picture of your financial situation… in its entirety? Without it, you don’t have a ‘financial plan’.

SEGMENT 1: (1:25) Having an investment account does not constitute a ‘financial plan’.

SEGMENT 2: (15:50) Capital gains and taxes

SEGMENT 3: (32:10) Now is the time to get serious about financial planning.

DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Financial Planning and Investment advice is offered through Freedman Financial, an SEC Registered Investment Advisor located in Peabody, Massachusetts. Securities are offered through LPL Financial, a Member of FINRA and SIPC. Freedman Financial is a separate entity from LPL Financial. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

A full complement of Dollars & Sense broadcasts is found here. #Enjoy

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Learn more about Marc and Freedman Financial at: https://www.freedmanfinancial.com/

Listen to the Dollars & Sense podcast: https://www.freedmanfinancial.com/our-radio-show-dollars-and-sense

Don’t forget to sign-up for our weekly newsletter, Planning Pointers: Sign-up found at the bottom of every page at: https://www.freedmanfinancial.com/ 

If you have a question or a topic that you would like answered, e-mail it directly to Marc at marc@freedmanfinancial.com.

--

Dollars & Sense is hosted by CFP® Marc Freedman of Freedman Financial, "Dollars & Sense" is designed to provide “Financial Advice in a Language You Can Understand®”, Marc gives listeners a chance to learn about financial planning, investments, retirement, and more so that they can make smart financial decisions for themselves and their families.

*** FINANCIAL ADVICE IN A LANGUAGE YOU CAN UNDERSTAND® ***

_________________________

During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.

Financial Planning and Investment advice is offered through Freedman Financial, an SEC Registered Investment Advisor located in Peabody, Massachusetts. Securities are offered through LPL Financial, a Member of FINRA and SIPC. Freedman Financial is a separate entity from LPL Financial.

Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.

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