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Dollars & Sense: Financial Advice in a Language You Can Understand®
Episodes
Thursday Mar 30, 2023
Thursday Mar 30, 2023
Today we’re going to talk about something that may be the most deceiving perspective that anyone could offer to you right now, especially when it relates to market performance. If you ask someone walking on the street these days how their investment portfolio is doing right now, chances are there’s not a giant Cheshire Cat smile going across their face. However, if I were to tell you that some of the best annualized performance is coming from your three-year statement right now, you may not believe me.
Also, we discuss retirement account beneficiaries and why your spouse may not be the best candidate.
Listen to what Marc and Christian have to say in this week’s episode of Dollars & Sense to learn more.
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.
Tracking # 424266
Dollars & Sense podcast now streaming on:
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Thursday Mar 23, 2023
Thursday Mar 23, 2023
It’s no surprise that the media had played a part in the mass hysteria surrounding banks “supposedly failing” over the past few weeks. After the initial shock wore off, we began to see this was far more of a media event than it was an impact to your pocketbook event. The media had a field day with this.
Realistically, when you hear a bank fails, it doesn’t necessarily mean they ran out of money. It means that they don’t have the liquidity right now to hand you your cash.
Listen to what Marc and Marion have to say in this week’s episode of Dollars & Sense to learn more.
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.
Tracking #421856
Dollars & Sense podcast now streaming on:
Spotify
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Thursday Mar 16, 2023
Thursday Mar 16, 2023
Very rarely we get to say we have an exciting time in the world of finance, but last week we saw the failure of a bank… Silicon Valley Bank to be exact. Bank failures can feel scary to say the least, however, it is important to know the FDIC was designed for moments like this.
The FDIC guarantees deposits up to $250,000 per depositor, per insured bank. This means that if a bank fails, the FDIC will step in and ensure you get you money back (up to the insured limit that is.)
Listen to what Marion and Christian have to say in this week’s episode of Dollars & Sense to learn more.
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.
Tracking #419619
Dollars & Sense podcast now streaming on:
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Thursday Mar 09, 2023
Thursday Mar 09, 2023
Ah budgeting… the financial equivalent of dieting. It is not a fun word, but it is necessary.
Knowing how much you spend is such an important factor in any sound financial plan. Your spending habits impact all pieces of your financial puzzle - from retirement, to investing, to saving, and everything in between.
This week on Dollars & Sense, Marion is joined by our Director of Financial Planning, Christian Karcher to discuss how to review and track your spending.
… and just a reminder, don’t forget to spring your clocks forward this weekend!
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.
Tracking #417153
Dollars & Sense podcast now streaming on:
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Apple Podcasts, previously known as iTunes
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Thursday Mar 02, 2023
Thursday Mar 02, 2023
The Markets seem to be as unpredictable as the weather lately. That is why having a well-diversified portfolio that align with your long term goals is so important! Of course you should have some money in the bank for expenses that pop up, but the money you are not going to touch should probably be invested with a long-term strategy.
Because of Market trends, we are noticing in the office that many are being more cautious about spending or part of the money. However, if they are not, part of what they are spending is being used to support their children who are old enough to support themselves. This week on Dollars & Sense, we discuss the implications of supporting your adult children.
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.
Tracking #415209
Dollars & Sense podcast now streaming on:
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Apple Podcasts, previously known as iTunes
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Thursday Feb 23, 2023
Thursday Feb 23, 2023
The Market is still trying to figure out how to catch its footing right now. Returns on portfolios in 2021 were enormous… but in 2022 you lost it all and then some.
But it is important to note that the U.S. is set for recovery. If you are being overly cautious and are opting to not participate in the market, this can be a big mistake, especially if you have time on your side.
During this week’s episode of Dollars & Sense, we discuss the FED, interest rates, money market funds, inflation, and more.
Remember- hope is not a strategy, you need a financial PLAN in place. If you are ready to get serious about planning, give us a call.
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.
Tracking #413231
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
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Thursday Feb 16, 2023
Thursday Feb 16, 2023
Tax season is in full swing! During this week’s episode of Dollars & Sense, Marc and Marion discuss why you should hold off on making an appointment with your tax professional until March, when you should file your taxes with a professional VS the DIY method, and why getting a large tax return isn’t necessarily a good thing.
We also touch on a hot topic — artificial intelligence (aka AI.)
Marc asked Chat GBT to explain the difference between financial planning VS investment advice. Find out what AI had to say about this… and how we, as Certified Financial Planning Professionals, feel about it's explanation.
Are you ready to get started on your financial planning journey? Are you in need of a second opinion? We are here to help get your financial house in — contact us.
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.
Tracking #411502
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Feb 09, 2023
Thursday Feb 09, 2023
We are approaching Super Bowl Sunday this weekend! The Patriots may not be playing in the big game, but a former Patriots' player made big news this weekend. You guessed it – the one and only Tom Brady. He announced he is retiring again, but this time FOR GOOD.
This just goes to show people approach retirement in different ways, and today’s approach to retirement looks way different than it used to. Retirement is not always necessarily about the money (but of course, we know a big retirement concern is running out of money in retirement.)
We have noticed those with a positive cash flow have different concerns, including:
- What am I going to do with the second half of my life?
- What will I enjoy doing in retirement?
- Will I be mentally challenged in retirement?’
At Freedman Financial, we can give you a sense of certainty of what you can and cannot do once you retire. Contact us if you are ready to get serious about your retirement.
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.
Tracking #409532
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
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Thursday Feb 02, 2023
Thursday Feb 02, 2023
For those of you who may not know, we have to do a certain amount of continuing education each year to maintain our professional financial designations.
This week, Marion attended a continuing education course on retirement planning- something we are EXTREMELY familiar with.
However, she did take away from the course a few interesting retirement-related statistics that opened our eyes to the general population in the U.S.
Did you know?:
- 72% of Americans are concerned about running out of money in retirement
- 57% are overwhelmed by having to determine how much they can spend in retirement
- Only 48% of Americans have attempted to calculate how much money they spend
- 60% are worried about not getting a regular paycheck in retirement
During this week’s episode of Dollars & Sense, we discuss how you can ease your retirement fears.
You’ve worked hard, saved, raised a family and did everything you’re supposed to do. Your retirement should be a time in your life that you look forward to, not worry about! If you are concerned about your retirement plan, please give us a call.
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.
Tracking #404975
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
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Thursday Jan 26, 2023
Thursday Jan 26, 2023
There are lots of lessons to be learned from 2022. During this week’s episode of Dollars & Sense, Marc and Marion talk about the importance of having a financial plan. They also discuss the criteria they analyze when creating a financial plan based on their client's unique situations.
If now is the time to get serious about your financial planning, please reach out.
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.
Tracking #404975
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean