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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.

Community Involvement and Retiring with a Purpose

By |2021-01-26T08:33:19-05:00January 26th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Nora Smith, Manager of Information Services, discusses community involvement and retiring with a purpose. First Nora talks a little bit about what changes she anticipates within the next 5 or 10 years for herself. Next, they discuss how a big part of financial planning is being involved with your community. Additional topics that are talked about include different ways to get involved with volunteering, what inspired Nora personally to become an active volunteer and serve on several boards, and what personal benefits and rewards can come from volunteering, and finally, how to manage a good work and life balance when a person is working a lot of regular hours. There is a lot of information in this episode so make sure to reach out to Nora 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 Nora.

State of the Markets

By |2021-01-13T10:30:00-05:00January 13th, 2021|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Bill Armstrong, CFA®, Securities Research Analyst discusses the state of the markets and what to watch in the global economy for 2021. First Bill talks about the Dow Jones. He gives a recap of the activity over the last 12 months and talks about all the volotility that has effected the market. Next, they discuss common stock changes, specifically talking about the change in work-from-home stocks, and many businesses that had to close their doors. Additional topics that are talked about include the Tina Concept, bond bull markets, low interest rate environments, money printing and inflation, and lastly, the differences between the stock market and the overall economy. There is a lot of information in this episode so make sure to reach out to Bill 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 Bill.

Education and the Next Generation

By |2020-12-28T15:11:59-05:00December 28th, 2020|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Shirley Nelson, J.D. touches on several points surrounding 529 plans, how parents can start planning now, and how this can relate to you. Firstly, Shirley discusses the amount it may set parents back by sending their children to grad school or beyond, a vastly rising trend for students. The amount of students reaching this level of education is increasing steadily and showing no signs of slowing down. Next, she goes on to talk about the different types of plans, including New York State Direct paid 529, 529 college savings plan, prepaid tuition plans, private college 529 which can be direct sold or advisor sold, 529 target date funds, 529 ABLE accounts, direct to institution payments, and the difference between grandparents and parent owned 529 plans. There is a lot of information in this episode so make sure to reach out to Shirley or Andrew with questions or comments.

Making the Most of Giving to Charities

By |2020-12-14T13:04:42-05:00December 14th, 2020|

In this recording of JGUA Financial Commentary Podcast, Andrew and Amanda will go over what charitable gifting is, strategies to make your gift benefit you, and different methods that you can consider. Firstly, they talk about cash donations and what processes need to take place for the donor to get certain tax benefits. Next they discuss donating to charities, and the differences in funds you will see on your receipt - what does it all mean? Other topics discussed include gifting appreciated stock, standard deduction thresholds, donor advised funds, and qualified charitable distributions. 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 Amanda.

What Does Inheritance Really Mean?

By |2020-12-14T11:10:50-05:00December 2nd, 2020|

This episode, hosted by Andrew Baron, CFP®, EA, featuring Lizzy DiPietrantonio, J.D. touches on several points surrounding inheritance, both for those that leave money, and those who recieve it. This includes taxes, interesting stories, and how this can relate to you. Firstly, Lizzy discusses what you should do if you recieve an unexpected inheritance. Most would react by wanting to pay off debt, but listen closely as Lizzy gives other ideas that may be worthwhile. The next talking point is taxes. There are two types that are discussed; federal estate tax and state inheritance tax, which effects those within 6 different U.S. states - listen to learn the difference and what to look for. Lastly, there are three fun stories that are discussed: a woman who left her dog $12 Million dollars, a man who left his local waitress $500,000, and a man who randomly picked 13 people to leave his estate to. Listen till the end to find out the exciting conclusions to these bizarre stories. 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 Lizzy.

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