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Dollars & Sense: Financial Advice in a Language You Can Understand®
Episodes
Thursday Jul 20, 2023
Thursday Jul 20, 2023
It’s the middle of summer and we are feeling that heat and humidity! Here’s hoping the last half of summer is drier and more enjoyable.
Even though we saw a lot of turbulence last year, 2023 is turning out to be a pretty good year for the stock market. What helped turn the market around? A few big factors were the FED realized they were raising interest rates too fast and eased off, the unemployment rate is very low, and we avoided a recession that many thought we’d be in by now. We can’t say we didn’t warn you to turn the news off and to stop listening to the media’s scare tactics. ;)
We’re packing a one-two punch and busting myths about taxes in retirement. For those who have been working for years and socking money away in their 401(k), they’re now seeing significantly large balances in them. Back in the day, employees were given company-sponsored pensions and you were simply paid the pension when you left. The issue we’re seeing for 401(k) owners is that this large lump of money is taxable income and you need to know how to manage it so it lasts you for the rest of your life in a tax efficient way. You ever hear the expression that once you retire you’ll be in a lower tax bracket? Is that really the case?
Whether you’re a business owner or work for someone else, you can’t avoid taxes in retirement. What you can control is saving money now and working with a certified financial planner professional to help you plan for your retirement and beyond. Contact our team today at www.freedmanfinancial.com/contact-us.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion bust myths about taxes in retirement in a language you can understand.
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 #: 458600
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Thursday Jul 13, 2023
Thursday Jul 13, 2023
One of the things that everyone likes to do, especially those who are approaching or in retirement, is to travel. The joy of having more flexibility, freedom, and the opportunity to embark on longer journeys is what retirees eagerly anticipate when planning their next adventure. After Covid derailed everyone's travel plans for a few years, people were anxious to see the world again. Some individuals even considered indulging in more luxurious trips as they had saved money by not traveling in 2020 and 2021. However, it's important to note that this form of mental accounting might lead to increased spending, as the money you thought you were saving was most likely allocated to other expenses.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about travel tips for retirees in a language you can understand.
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 #: 456507
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jul 06, 2023
Thursday Jul 06, 2023
We hope everyone had an enjoyable 4th of July... minus all the rain.
On a brighter note (pun intended) we finished the first half of 2023 with the markets performing relatively well!
But as we all know, anyone who invests needs to be ready for the ups AND downs of the markets. That is why planning for the long-term is so important. At Freedman Financial, we have noticed a shift in a lot of our client's mindsets. They are becoming more and more thoughtful about envisioning what a successful retirement means to them.
Holistic lifestyle planning, instead of just focusing on investments, helps with this.
Imagine you had all the money you ever wanted… what would you do with it? Now imagine you have been told by your doctor you have 5-10 years to live… how would you spend your money then? Your answers to these questions would likely differ if you are 25 vs. 45.
Take the time this summer to have important conversations when it comes to money, we are also happy to lend an ear. Contact us today at www.freedmanfinancial.com/contact-us.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about important questions you should ask a financial advisor during your consultation in a language you can understand.
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 #453986
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jun 29, 2023
Thursday Jun 29, 2023
More and more people are ready to begin financial planning and have reached out to our team to see if we’re the right fit. We always enjoy a good interview session and thought it would be fun to share with you some of the questions that are being asked of us and then share how we answer them. By the end of this podcast, you might think Freedman Financial is the right firm for you – we sure hope you do!
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about important questions you should ask a financial advisor during your consultation in a language you can understand.
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 #: 452176
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jun 22, 2023
Thursday Jun 22, 2023
Many of our listeners struggle with what they should do if something happens to them, their spouse, or their children. Death is inevitable yet it seems a lot of people are caught off-guard when asked to step in when somebody dies.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about how they’ve become experts in helping families financially prepare for the death of a loved one in a language you can understand.
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 #: 449885
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jun 15, 2023
Thursday Jun 15, 2023
We have clients coming into our office all the time for their review meetings and they’re always asking us for our advice and opinion because of a headline they’ve heard in the news. The latest headlines are prompting our clients to talk to us about the status of our economy, the probability of a recession, whether or not they should invest in the stock market, and if it’s a good time to buy gold.
Why is there a sudden increase in the interest to purchase gold? Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss why more and more people are interested in buying gold and the importance of long-term investing in a language you can understand.
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 #: 447631
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jun 08, 2023
Thursday Jun 08, 2023
We’re excited to have Marion back from France and on this week’s podcast. We always try to provide financial advice in a language you can understand and one thing we’ve noticed is people are looking for ways to save money and trying to find where they can cut back. We noticed a lot of our own clients don’t even realize how much money they unnecessarily spend on assorted fees. We get it, it’s a challenge to look at every statement and look at where your money is going – but it pays to do it. Fees sneak up on you, especially since so many of us are signing up for subscription programs nowadays or signing up for a free trial and then forgetting to cancel.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss why it’s so easy to spend hundreds of dollars unnecessarily each month in fees and how you can avoid it in a language you can understand.
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 #: 445060
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday Jun 01, 2023
Thursday Jun 01, 2023
The weather is warming up in Massachusetts, the Celtics are unfortunately out of the playoffs after Game 7, and die-hard Red Sox fans are rooting for some wins. We’re sure you’re just as happy as we are that the debt ceiling situation is no longer a concern. Not that we were concerned, but it seems that we’re coming closer to an agreement which means we can focus on what really matters – things that we can control in our own financial lives.
More and more people are saving up cash in the bank – why is that? Are they scared to invest? Christian feels it happens at a few points in people’s lives, such as getting a big promotion or when your kids leave the house and are (finally) self-sufficient.
Tune in to this week’s episode of Dollars & Sense as Marc and Christian discuss why so many more people are saving their cash in the bank in a language you can understand.
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 #: 442831
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday May 25, 2023
Thursday May 25, 2023
Tick tock...the debt ceiling deadline (June 1st) is right around the corner. They like to keep us on pins and needles until the very last minute but analysts and those in the know feel they will resolve it. After all, Joe Biden and Kevin McCarthy will want a positive outcome so they have an opportunity to be re-elected.
We know the debt ceiling conversation keeps some people up at night. We don’t think it should, but we do understand that a lot of people worry about a lot of different things – especially things that are out of their control. Running out of money, family issues, and health are some of the things that keep our clients up at night. Kids will be heading off to college in the fall and the financial responsibility weighs heavy on many parents. The good news? You CAN control the outcome on a lot of these items by having conversations now and putting a plan into place that works for you and your family.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the approaching debt ceiling deadline and how you can stay in control of things that keep you up at night in a language you can understand.
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 #: 440981
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean
Thursday May 18, 2023
Thursday May 18, 2023
The debt ceiling conversation has been hot and heavy this week. The only thing different this time around is how close will we get to midnight the night of the deadline before they strike a deal. There's been an intensified use of sensationalism with the media. Folks, keep in mind that when you watch the news and scroll through your social media feeds that everybody now is in the entertainment business and not in the information and news business.
In a book that I wrote, Retiring for the Genius, I talk about finding an advisor that makes sense for you. Find an advisor who is a Certified Financial Planner (CFP®), who acts as a fiduciary by placing your best interest first, and who takes the times to understand what your entire financial life looks like and what your goals are.
Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the debt ceiling deadline going to the bottom of the ninth and the importance of finding a financial advisor that makes sense for you in a language you can understand.
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 #: 438965
Dollars & Sense podcast now streaming on:
Spotify
iHeartRadio
Apple Podcasts, previously known as iTunes
Google Podcasts
TuneIn + Alexa
Pandora
PodBean