Blue Money

In this episode of the Blue Money podcast, you’ll join hosts Jim Donnelly and Kevin McGarry as they sit down with Heather Hines, a seasoned attorney running for District Judge in Buckingham Township, Solebury Township, and New Hope Borough. Heather Hines is an experienced attorney and former prosecutor running for District Justice in Bucks County. A Widener University School of Law graduate, she served nine years as an Assistant District Attorney in Montgomery County, earning awards for her work on violent crime cases. Heather also led the Bucks County District Attorney’s Forfeiture Unit and opened the local office of the Senior Law Center to protect seniors from exploitation. Now in private practice, she focuses on family and criminal law and volunteers to represent victims of abuse. Heather shares her impressive legal background, from her years as an assistant district attorney to her work with the Senior Law Center and her current family law practice. You’ll hear about her passion for fairness, her commitment to community involvement, and her belief in respectful, attentive judging. Heather discusses the importance of apolitical decision-making, the value of local elections, and her vision for a more just and accessible court. The conversation is friendly and informative, giving you a personal look at Heather’s qualifications, character, and campaign. By the end, you’ll feel connected to Heather’s journey and inspired to participate in your local elections. Learn more about Heather Hines: hinesforjudge.com To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of the Blue Money podcast, hosts Jim Donnelly and Kevin McGarry break down a recent executive order that could reshape your retirement planning. They explain how the Department of Labor is exploring the inclusion of alternative investments—like private equity, REITs, and cryptocurrencies—in 401(k), 403(b), and 457(b) plans. You’ll learn about the potential benefits, such as higher returns and diversification, as well as the risks, including illiquidity, volatility, and complexity. The hosts offer practical advice on how much of your portfolio to allocate to these alternatives and stress the importance of education and professional guidance. Whether you’re a police officer or simply planning for retirement, this episode gives you the insights you need to make informed decisions about your financial future. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

Join hosts Jim Donnelly, a retired police lieutenant, and Kevin McGarry from Valley Financial Group, as they break down today’s most pressing financial topics. The conversation covers inflation trends, shifts in the housing market, and the potential impact of tariffs on everyday expenses. Jim and Kevin offer practical advice on portfolio diversification, using relatable examples—like the resilience of the "Rocky" movies—to illustrate how markets can bounce back. Their friendly, professional approach ensures you’ll gain useful insights tailored to law enforcement professionals, helping you stay informed and financially prepared in a changing economy. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode Jim and Kevin dive into the financial outlook for 2025, offering insights tailored for law enforcement personnel. They discuss key economic indicators like inflation, employment rates, and stock market performance. They highlight the importance of diversification in investment portfolios and the potential impact of political factors such as tax cuts and tariffs. The episode emphasizes proactive retirement planning and provides practical advice to help listeners navigate the financial landscape in the new year.

In this episode of the Blue Money podcast, Jim Donnelly and Kevin McGarry dive into the financial landscape, focusing on the stock market's performance in the third quarter. They highlight the S&P 500's significant rise and discuss the impact of Federal Reserve interest rate cuts, consumer spending trends, and the upcoming election. Emphasizing the importance of staying invested during uncertain times, they also stress the value of diversification in investment strategies. The conversation touches on geopolitical risks and the ongoing AI boom, providing listeners, particularly those in law enforcement, with valuable insights and reassurance regarding their financial decisions. To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com

In this episode of the Blue Money podcast, hosts Jim Donnelly and Kevin McGarry interview Joe Abruzzese, a retired law enforcement officer with 46 years of service as a detective for the Philadelphia Police Department and the University of Pennsylvania. Joe shares his extensive career experiences, including challenges and emotional tolls, and discusses his transition into retirement. The conversation highlights the importance of financial planning, understanding pension systems, and seeking professional financial advice. Joe reflects on his financial journey, emphasizing the need for proactive saving and investment. The episode aims to provide valuable insights and advice for law enforcement officers approaching retirement.

In this episode of the Blue Money podcast, Retired Lt. Jim Donnelly and Kevin McGarry discuss the potential impact of the upcoming presidential election on financial markets. They address listener concerns about market volatility and the temptation to move investments to cash. Jim and Kevin provide historical context, noting that election years have generally been favorable for markets and that the stock market's performance is not significantly influenced by which party is in power. They emphasize the importance of maintaining a diversified investment strategy and staying invested, rather than attempting to time the market based on political events. To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com

In this episode of the Blue Money podcast, hosts Jim Donnelly and Kevin McGarry explore the topic of private equity. They explain what private equity is, the criteria for becoming an accredited investor, and how private equity differs from public equity. The discussion covers various private equity strategies, such as venture capital and buyouts, and highlights the risks and rewards associated with these investments. They also touch on the traditional 60/40 investment portfolio and its future viability, emphasizing the importance of diversification and professional advice in investment decisions. To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com

In this episode of the Blue Money podcast, hosts Jim Donnelly and Kevin McGarry discuss the midyear market trends for 2024. They begin by acknowledging the recent shooting of a Philadelphia police officer, expressing their support for law enforcement. The conversation then covers inflation, which is at 3.3%, interest rates, and the housing market, including median house prices and supply issues. They also explore the potential impact of the upcoming elections on the market. Emphasizing patience, diversification, and financial planning, Jim and Kevin offer valuable insights for investors and invite listener engagement. To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com

In this episode of the Blue Money podcast, hosts Jim Donnelly and Kevin McGarry, along with guest Frank Pizzichillo, discuss navigating financial aid for college. They emphasize the importance of filling out the FAFSA form by the deadline and understanding the student aid index. Frank shares his personal experience with the FAFSA process, offering practical tips and resources. The episode aims to educate listeners on maximizing financial aid opportunities and planning for education costs. General FAFSA Link: https://studentaid.gov/h/apply-for-aid/fafsa Student/Parent Account Creation Website : https://studentaid.gov/fsa-id/create-account/launch To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com To contact Frank Pizzichillo: fpizzichillo@valleyfinancial.com

In this episode of the Blue Money Podcast, hosts Jim Donnelly and Kevin McGarry, along with guest Frank Pizzichillo from Valley Financial, delve into financial topics such as the "sell in May and go away" adage, economic indicators, and summer stock trends. They discuss historical market performance, particularly in election years, and the impact of geopolitical events on investments. Corporate earnings, inflation, and sectors like tourism and technology are also covered. The hosts emphasize the importance of seeking professional advice before making investment decisions and remind listeners that investing is a marathon, not a sprint. To contact Frank Pizzichillo: fpizzichillo@valleyfinancial.com To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com

In this Blue Money Podcast episode, hosts Jim Donnelly and Kevin McGarry welcome Chris McMullin, a retired police officer and detective, now serving as a lieutenant at the Bucks County Sheriff's Department. McMullin discusses his current role and involvement in a nonprofit called Cold Case Initiative dedicated to solving cold cases, sharing insights from his extensive experience in law enforcement. Make a donation at: www.coldcaseinitiative.org To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of the Blue Money Podcast, hosts Jim Donnelly and Kevin McGarry discuss the intricacies and risks of buying individual stocks. They stress the importance of market knowledge, diversification, and having a solid financial plan before investing. The hosts warn against the dangers of overconcentration in one sector and greed-driven decisions. They explain the use of the price-to-earnings ratio for stock evaluation and caution against following unverified investment tips. They advise seeking professional advice and remind listeners to be cautious, especially with the rise of cryptocurrency investments among police officers. The episode emphasizes informed decision-making and risk management in stock investments. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of Blue Money, Kevin and his co-host Jim are discussing digital currencies. Bitcoin is reaching its intraday high day over day, as of this posting. The guys understand that their listeners have questions when it comes to blockchain and digital currencies, so they’re here to help give you some answers. Kevin takes the time to break down digital currencies. He explains the big B versus the little b, and what the function they each hold. He also talks about “miners” - what they’re actually doing, how it works, and how they make money. Jim brings up ETFs for Kevin to discuss. Listen to this episode for Jim and Kevin’s opinion on adding digital currency to a financial portfolio. After hearing this episode, you’ll have a better understanding of digital currency. But if you still have questions, reach out to Jim or Kevin; their contact information is below. To contact Retired Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of Blue Money, Jim and Kevin are talking about pivoting and making changes even when life doesn’t always go as planned. Jim, one of the cohosts of Blue Money podcast, recently had some major life changes occur, resulting in accelerating a timeline he had had outlined for himself. So Jim is speaking from first-hand experience in this episode. Jim explains how beneficial his long-term financial plan or portfolio that he’s had set up has been through this process. Whether it be due to retirement, health issues, family changes, or anything else, the guys at Valley Financial Group just want you to be well-prepared in case something happens. The guys have a discussion about the importance of having a financial plan in place. They answer your questions about fees. Kevin wants you to have a goal, and listening to this podcast will help you get there. 5 Ways Financial Planning Can Help: https://www.schwab.com/learn/story/5-ways-financial-planning-can-help To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of Blue Money, Jim & Kevin are sitting down with Paul from Guaranteed Rate to discuss mortgages. If you’re thinking about buying a home, or refinancing your home loan, you’ll want to listen to this podcast episode. Jim & Kevin are asking the questions they know you want answered, like when does it make sense to refinance? Paul explains ARM - he goes over the pros and cons and explains when it’s useful and why it’s not a bad thing. Paul has good advice for first-time home buyers, which can really be applied to all home buyers. Don’t miss when Paul brings up reverse mortgages in the last third of this episode. He explains why they no longer deserve the bad reputation they once had, and why a reverse mortgage could be a good option for a retiree. The guys close out this episode by going over best practices when looking for a mortgage. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com To work with Paul: https://www.rate.com/loan-officers/paul-zgalich-156843

In this episode of Blue Money, Kevin & Jim have an in-depth discussion about interest rates. Kevin starts off by explaining how inflation and interest rates are related, and he explains the reasoning behind it. Jimmy explains what “The Fed” is. The guys discuss how interest rates affect the stock market and bonds. It’s eye-opening when Jimmy points out how much of a difference just one percent can make over the lifetime of a loan. Kevin uses recent historics to predict the future economic climate over the next year. Kevin & Jim close out this episode with advice and actions you should be taking now. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of Blue Money, Kevin & Jim are helping you prepare for the last quarter of 2023. They start off giving a thorough review of the market during the third quarter of 2023. Listen to find out which month is historically the year's lowest performing month every year in the 1950s. Kevin helps us sift through the negative news cycle while Jim gives us the current numbers. Kevin does a great job breaking down how the economy works and how to approach analyzing the state of the market. Kevin’s analysis of the third quarter shows a positive outlook for the fourth quarter of 2023. He takes things a step further by looking at historical data to give a detailed and informed evaluation. Listen through to the end for Kevin’s three takeaways for going into the fourth quarter of 2023. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of Blue Money, Jim & Kevin are discussing education planning. Kevin keeps it real and is honest about the cost of financing higher education. Jim gives us the Rule of One-Third concept. Kevin goes over the different investing options for educational savings funds and how to choose the one that’s right for you. The guys go more in depth on the 529 plan. Kevin & Jim aren’t just talking about saving and investing, they’re also discussing affording higher education and paying back student loans. Kevin stresses the importance of planning ahead when it comes to saving for, and paying for, education. To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com

In this episode of Blue Money, Jim & Kevin are talking more about retirement accounts. This time the guys are focusing on maxing out your retirement accounts. Kevin gives a great rule-of-thumb metric for calculating an estimate of what you’ll need for retirement. Jim & Kevin are helping you prioritize where your money goes in order to set yourself up for a comfortable retirement. Jim gives the perspective needed to invest in your retirement, as much or as little as you are currently able. If you were ever wondering who Kevin’s man-crush is, listen to this episode to find out. Calculations in this podcast have been calculated under the following assumptions: Pre-retirement portfolio 60/40 diversified portfolio Post-retirement portfolio: 40/60 diversified portfolio Inflation rate: 2.5% Retirement age: Primary earner: 65 Spouse: 63 Years in retirement:35 To contact Lt. Jim Donnelly: jim@valleyfinancial.com To contact Kevin McGarry: kevin@valleyfinancial.com For a free financial assessment, or for more information visit valleyfinancial.com