The Future Value Podcast

In this episode of the Future Value Podcast, hosts John Pellosie, Joe Freemont, and Justin Ahner for a candid conversation about one of the most significant financial and lifestyle decisions many of us face: buying versus renting a home. The team shares their personal experiences, from building a house with family to navigating the perks and challenges of renting, and explores what it really means to find the right place to call home. They discuss the key questions to consider before taking the leap into homeownership. Listeners will hear practical advice on location and lifestyle needs, mortgages, down payments, and the real costs of owning compared with renting. The episode also examines the modern perspective on the American dream, including housing prices, changing expectations, and the factors that influence the right decision for each individual. Along the way, the hosts provide tips on budgeting, opportunity costs, and understanding break-even points in today’s housing market. Whether you are a first-time buyer, a long-term renter, or somewhere in between, this episode offers straightforward guidance and thoughtful insight to help you make one of life’s biggest investments.  _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.

In this episode of the Future Value Podcast, hosts John Pellosie, Joe Freemont, and Justin Ahner continue their Investing series with a focus on where you put your money, not just what you invest in. The team breaks down the concept of asset location, or what they call “money buckets,” and explains how different types of accounts affect your taxes. You’ll get a clear overview of the three main account types: pre-tax options like traditional 401(k)s and IRAs, tax-free accounts such as Roth IRAs and Roth 401(k)s, and taxable brokerage accounts. They cover contribution limits, employer matches, withdrawal rules, and why diversifying across account types can help ease future financial pressure. Whether you're just starting your career or revisiting your strategy, this episode offers clear, practical steps to help you make smarter investing decisions and avoid common mistakes. _______________________________________________________________  Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.

In this episode of the Future Value Podcast, hosts John Pellosie, Joe Freemont, and Justin Ahner launch a new series on investing fundamentals. They break down the basics of stocks and bonds, including how ownership works, what drives prices, and how investors earn returns. The team also explains growth vs. value stocks, the role of indexes, and why diversification through mutual funds and ETFs matters. Whether you're new to investing or want a refresher, this episode offers clear, practical guidance to help you build a strong foundation and invest with confidence. _______________________________________________________________ Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions. Diversification does not assure a profit or protect against loss in declining markets, and diversification cannot guarantee that any objective or goal will be achieved. All indices are unmanaged, and investors cannot actually invest directly into an index. Unlike investments, indices do not incur management fees, charges, or expenses. Past performance does not guarantee future results. The main risks of international investing are currency fluctuations, differences in accounting methods; foreign taxation; economic, political, or financial instability; lack of timely or reliable information; and unfavorable political or legal developments. Small company investments entail higher risks than investments in larger, more stable companies. Bonds are subject to availability and market conditions; some have call features that may affect income. Bond prices and yields are inversely related: when the price goes up, the yield goes down, and vice versa. Market risk is a consideration if sold or redeemed prior to maturity. Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict. Past performance is no guarantee of future results. _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.

How do you pay for higher education without sacrificing your financial future? In Part 2 of their education planning series, the Future Value Podcast team gets practical. Hosts John Pellosie, Joe Freemont, and Justin Ahner share real strategies to help families and students manage rising education costs with confidence. From making smart moves in high school like AP courses and dual enrollment, to uncovering overlooked scholarships, they cover how to lower costs before tuition is even due. The conversation also breaks down pay-as-you-go options, work-study programs, 529 plans, FAFSA basics, and the role student loans can play in your overall plan. This episode is full of tips for parents looking to plan ahead and for students seeking affordable ways to pursue their goals. If higher education is on your horizon, this conversation will help you take the next step with clarity. _______________________________________________________________ The fees, expenses, and features of 529 plans can vary from state to state. 529 plans involve investment risk, including the possible loss of funds. There is no guarantee that an education-funding goal will be met. In order to be federally tax free, earnings must be used to pay for qualified education expenses. The earnings portion of a nonqualified withdrawal will be subject to ordinary income tax at the recipient’s marginal rate and subject to a 10 percent penalty. By investing in a plan outside your state of residence, you may lose any state tax benefits. 529 plans are subject to enrollment, maintenance, and administration/management fees and expenses. _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.

In this episode, hosts John Pellosie, Joe Freemont, and Justin Ahner tackle the big question: what comes after high school? From college to trade school to gap years, they explore the financial and personal factors that shape this life-changing decision. The team shares real stories and expert insight to help families move beyond the “college by default” mindset and focus on what truly fits each student’s goals, values, and strengths. It’s a must-listen for parents, students, and anyone navigating today’s education landscape — plus a preview of next episode’s focus on how to pay for it all.  _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.

In this episode, hosts John Pellosie, Joe Freemont, and Justin Ahner explore the fascinating and sometimes controversial world of debt. Starting with a Debt 101 overview, they break down the basics and challenge common assumptions. From student loans and mortgages to credit cards and car payments, they unpack the differences between good and bad debt, share personal stories, and examine the societal pressure to keep up. With practical insight and fresh perspectives, this episode will help you rethink debt and use it as a tool rather than a burden. Tune in and build towards building a stronger financial future! _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.  

Hosts John Pellosie, Joe Freemont, and Justin Ahner break down the real deal on love, money, and wedding planning. As a newlywed, Joe shares firsthand insights on budgeting, handling family expectations, and choosing the right vendors—while the crew keeps it fresh with the financial conversations every couple needs to have. From venue costs to post-wedding money moves, this episode is packed with pro tips and relatable moments. Whether you're planning your big day or just curious about love and finance, we’ve got you. Tune in and build your financial future—together. _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.    

Hosts  John Pellosie, Joe Freemont, and Justin Ahner break down why cash shouldn’t be just sitting on the sidelines—it's a critical part of your personal finances. From checking and savings accounts to high-yield money market strategies, they cover the best ways to keep your cash working for you. Learn how to balance security with opportunity, set up the right emergency fund, and make the most of online savings accounts. Whether you're saving for a big purchase, protecting against the unexpected, or optimizing your cash flow, this episode has the insights you need. Tune in and take control of your financial future—one dollar at a time. ​​______________​​______________​​ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

In this inaugural episode, hosts John Pellosie, Joe Freemont, and Justin Ahner unpack the power of future value—a finance essential that can change the way you think about saving, investing, and debt. It’s not just a formula; it’s the key to making smarter financial moves today for a better tomorrow. They break down why starting early with savings can supercharge your retirement, how high-interest debt (looking at you, credit cards) can erode your wealth, and why inflation is the silent force shaping your financial future. With a mix of technical insight and real-world application, this episode turns financial jargon into practical strategies If you want to make the most of your money and take control of your financial future, this is where you start. Tune in and get ahead—because time is money, and future you will thank you. _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.  

Join hosts John Pellosie, Joe Freemont, and Justin Ahner as they kick off a brand-new journey designed to help you make smarter financial decisions. In this debut episode, they break down the complexities of personal finance, making money management feel less overwhelming and more achievable. From budgeting and saving to investing and long-term wealth building, you'll hear practical strategies to enhance your future value. This isn't about jargon or quick fixes—it's about real conversations that empower you to take control of your financial life. Have a topic you’d love them to cover? Reach out, share your thoughts, and hit subscribe so you don’t miss an episode. Let’s turn financial stress into financial success—together. _______________________________________________________________ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 - 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.