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Could a Backdoor Roth Strategy Benefit You?

By |2021-06-17T09:35:24-05:00June 17th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Amanda Herrick Smith, CFP® will dive into the strategy that is a backdoor Roth contribution, and how you may benefit from this strategy in your own planning. First, Andrew explains Roth accounts and how they differ from traditional retirement accounts. Next, Amanda goes into detail specifically about the strategy of a backdoor Roth contribution and the benefits that come along with it. Lastly, Amanda talks about how she has recently worked with clients on Roth conversions based on their individual retirement goals.

Creating a Savings Budget for Spenders

By |2021-06-02T09:38:33-05:00June 2nd, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Sarah Collier, JD, will discuss some tips and tricks in regards to spending, budgeting and saving for future expenses. First, Sarah explains ways younger professionals can begin to build their savings while keeping things in perspective relevant to each stage of their career. Next, Sarah talks about how having a relationship with a financial planner can help you plan for everyday expenses, unexpected expenses, big ticket items and eventually, retirement. Lastly, Andrew and Sarah address the stigma that surrounds debt when it comes to younger professionals, and how to approach different levels of debt depending on your current situation. There is a lot of information in this episode so make sure to reach out to Sarah or Andrew with questions or comments.

Equity Compensation Webinar Playback

By |2021-05-18T10:05:15-05:00May 18th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Jason D. Nickerson, CFP®, EA, Executive Vice President & Chief Operating Officer, will discuss some basics about cash flow and the markets and continue on into different aspects of equity compensation, including managing some of the risks. First, Jason goes over how to categorize between what is necessary and what is 'extra.' He points out that this can be done by creating a monthly cash flow, and then steps can be taken from that point to weed out what is not a necessary expense. Next, Jason talks about short-term vs. long-term, how you can sort out those goals, how to use the market as leverage for making those goals happen, and how you should plan personal financial planning measures for your compensation benefits. Lastly, Jason talks about equity positions, exercising options, harvesting losses, and appreciated assets. There is a lot of information in this episode so make sure to reach out to Jason or Andrew with questions or comments.

The Importance of Being Coachable Webinar Playback

By |2021-05-04T14:07:28-05:00May 4th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Todd Brost, CFP®, Senior Advisor and Kelly Lewis, CFP®, J.D., Advisor, will be discussing the characteristics of four internalized money mindsets we all have and how they affect our relationship with and use of money as a tool. From here, they discuss how individuals with each money mindset can be coached to develop a healthy and productive association with money. First, our advisor Kelly Lewis breaks down the four quadrants of money mindsets; achievers, balancers, experiencers, and explorers. And then hockey coach, Olympic silver medalist and Senior Advisor Todd Brost, comments on how coaching and serving as a financial planner for these different types can take similar approaches. Next, Kelly talks about money mindsets - we all have positive and negative money beliefs, most of which are absorbed during our childhood and during our upbringing. These internalized mindsets impact the way we save, spend, and even just view money in general. Next Todd and Kelly go into detail about each of the four quadrants of money mindsets; achievers, balancers, experiencers and explorers and talk about some of the personality traits and qualities these individuals might have to differentiate them from other groups. Additionally, they discuss how many people have changed their mindsets due to the pandemic and even started thinking in a completely opposite way.

Five C’s of Homebuying

By |2021-04-20T08:04:11-05:00April 20th, 2021|

First, William gives an explanation about the requirements of credit. Next, the mathematical explanation of capacity, and understanding your debt to income ratio is discussed followed by cash expectations for buying a home. Additionally, Will discusses collateral in regards to home, appraisals vs. inspections, physical properties of the home and the conforming mortgage market, along with miscellaneous costs after closing. There is a lot of information in this episode so make sure to reach out to William or Andrew with questions or comments.

Exploring the Benefits of Partial Retirement

By |2021-04-08T06:44:51-05:00April 8th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Tom Snow, Senior Vice President, and Karen Meriwether, CFP®, Senior Vice President, discusses how partially retiring can be beneficial. Tom starts off by sharing how he and his wife Karen have experienced living the advice that they have shared with so many clients over the years as they head into retirement, while Karen tells us how they started making the first steps in their own retirement transition while still being active with clients. Next, they discuss why it is so important to anticipate your own retirement, and how their experience can be beneficial for other professionals considering a part-time or phased retirement plan. Additionally, they talk about assisting business owners, entrepreneurs, and industry leader succession planning. Tom and Karen also talk about knowing when it is time to retire, when you might be ready, and the importance of financial planning - is part-time retirement a healthy option for you? There is a lot of information in this episode so make sure to reach out to Tom, Karen or Andrew with questions or comments.

JGUA Investment Philosophy w/ John Ullman

By |2021-03-23T07:33:21-05:00March 23rd, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring John Ullman, Founder & President of John G. Ullman & Associates, Inc., discusses the firm's investment philosophy. John talks about his thoughts on the funding for Social Security, Medicare, Medicaid, and the Affordable Care Act.. Next, he discusses market cycles and large corporations, along with the historical context of dominating stock markets. Additionally, John goes on to mention market sectors that are of interest to the firm, how JGUA chooses investments and works as a team to serve clients, and how we serve clients beyond money management. There is a lot of information in this episode so make sure to reach out to John or Andrew with questions or comments. Please reach out to info@jgua.com with any questions or comments or visit us at www.jgua.com/about-us/our-team to learn more about Andrew and John.

Tax Guidance for 2020-2021

By |2021-03-09T09:04:15-05:00March 9th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Don Huff, CPA, discusses tax guidance for 2020-2021. First, Don talks about his more than 15 years in the industry, and all of the changes that he has experienced over those years. Next, they discuss the specific services and residency audits that the JGUA firm provides and how they go beyond your traditional services in addition to some benefits that you may gain from filing before the tax deadline. Additionally, Don talks about 2020 opportunities to reduce tax liability, reducing 2021 tax liabilities, quarterly lump sum payments and changes in itemized deductions. There is a lot of information in this episode so make sure to reach out to Andrew or Don with questions or comments. Please reach out to info@jgua.com with any questions or comments or visit us at www.jgua.com/about-us/our-team to learn more about Andrew and Don.

Diversifying with Real Estate Investments

By |2021-02-23T09:54:43-05:00February 23rd, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Alexander Ognenovski, J.D., discusses diversifying with Real Estate investing. First, the two discuss why people get into Real Estate and the three main types of Real Estate investments. Next, they talk about being a landlord and the difficulties that may come along with that. Additionally, they discuss topics such as Real Estate for appreciation, the importance of marketing, the importance of diversification, additional risk factors, and a personal story. There is a lot of information in this episode so make sure to reach out to Andrew or Alex with questions or comments. Please reach out to info@jgua.com with any questions or comments or visit us at www.jgua.com/about-us/our-team to learn more about Andrew and Alex.

The History of John G. Ullman & Associates, Inc.

By |2021-02-09T09:01:27-05:00February 9th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring John Ullman, Founder & President of John G. Ullman & Associates, Inc., discusses the history of the firm. John talks about how the firm came to be and his fascination with numbers as a child. Next, he discusses his investment philosophy and how it's withstood the test of time. Additionally he talks about the key industries of interest at JGUA. There is a lot of information in this episode so make sure to reach out to John or Andrew with questions or comments. Please reach out to info@jgua.com with any questions or comments or visit us at www.jgua.com/about-us/our-team to learn more about Andrew and John.

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