PennyWise Financial

A Conversation with Charles Forte Jr., MBA This week on Pennywise Financial, we're thrilled to welcome Charlie, a 2023 addition to our team as a financial advisor and investment manager who brings a wealth of experience and a truly inspiring story. He isn't just a seasoned individual with an extensive career in corporate finance, he brings an extensive background working with endowments and charitable organizations – he's also a testament to overcoming challenges. We'll be having a heartfelt conversation about his journey, including his visual impairment and the unwavering faith, work ethic, and dedication that have fueled his success. Dive deep with us as Charlie shares his insights on the ever-evolving financial landscape. We'll explore concepts like the efficient frontier, investment modeling, and strategic asset allocation, while also discussing how access to diverse asset classes has become more accessible than ever before. This episode is a must-listen for anyone seeking inspiration and practical financial knowledge! Tune in to learn more about Charlie and all he has to bring to the table. #stockmarket #investing #stocks #election #economy #disability #dedication The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license

Happy (slightly belated) Valentine's Day! In this special Pennywise episode, we dive headfirst into the red-hot stock market of 2024. Is it love at first sight, or a bubble waiting to burst? We explore the year-to-date gains fueled by a healthy economy, but reveal the hidden singles - sectors that haven't found their groove yet. Plus, we expose the overhyped Romeos - crowded trades headed for a reality check. Don't miss this episode for savvy investment tips that'll keep your portfolio healthy - no heartbreak guaranteed! Tune in and learn: How to navigate a booming market with caution. Which sectors are the true darlings of 2024 (so far). Why some areas are still on the dating app, waiting for a match. How to identify overvalued trades before they get messy. This episode is your financial cupid - swipe right for smart investing! #stockmarket #investing #stocks #election #economy The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠

Rethinking Legacy - The Child-Free Journey with Dr. Jay Zigmont Host: Constantine J Kitrinos, CPFA | Managing Partner | Wealth Advisor Guest: Dr. Jay Zigmont, MBA, CFP | Found & CEO Guest Website: https://childfreewealth.com This episode of Pennywise Financial tackles a topic that's as personal as it gets: financial planning for a child-free life. Our guest is Dr. Jay Zigmont, the mastermind behind ChildfreeWealth.com, and together we delve into a world where the traditional goals of wealth preservation and inheritance shift dramatically. For some, the decision to be child-free is a deeply personal one, driven by various factors. Whether it's due to biological limitations, a desire for a different lifestyle, or a focus on alternative aspirations, Dr. Zigmont's approach to financial planning flips the script. His clients prioritize living life to the fullest, maximizing spending and charitable giving throughout their lifetime, rather than leaving a massive nest egg for unseen heirs. As your host, this episode pushed my own boundaries. My journey to parenthood wasn't easy, and grappling with a completely different perspective on legacy was a challenge. But the conversation is honest, thought-provoking, and ultimately, incredibly valuable. Join us as we explore: The unique financial needs and goals of the child-free population. How Dr. Zigmont's strategies differ from traditional financial planning. The emotional complexities surrounding legacy and wealth transfer. Redefining what it means to live a fulfilling and financially secure life. This episode might be controversial, but it's guaranteed to spark conversation and open your mind to new possibilities. Tune in and discover the power of planning for the life you choose to live, with or without children. #childfree #financialplanning #retirementincome #legacy #charitablegiving #consulting #retirement #longtermcare The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠

Tax deadline lowdown: Don't miss out! Get the latest on filing deadlines and extensions. Business owner tax strategies: Discover smart tips and tricks to maximize your deductions and minimize your tax burden. War stories and beyond: Dave shares inspiring insights from his time serving in the war and his passion for giving back through charitable ventures. Whether you're a seasoned tax pro or just starting out, this episode is packed with valuable information and down-to-earth advice. Plus, you'll get a glimpse into the heart and mind of a truly remarkable individual. Watch now and Subscribe for more financial wisdom! Leave a comment below with your biggest tax question and we'll POKE Dave for an answer ❓ Share this video with your friends and family who could use some tax help! About Dave Young, CPA: Dave Young is the owner of Young & Company CPA's in Rochester, NY. He's a dedicated tax professional with a passion for helping individuals and businesses achieve their financial goals. Beyond his expertise, Dave is a true community leader, actively involved in charitable endeavors and veterans' support groups. Don't miss out on this insightful and inspiring episode! Hit that play button now! ▶️ Host: ⁠⁠⁠⁠⁠Constantine J Kitrinos, CPFA Co-Host: ⁠David T Georgiev, MBA, CKA Guest: Dave Young | Young & Company Website: ⁠⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠⁠ Guest Website: https://youngandcompany.net/ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠ #PennywisePodcast #TaxTips #RochesterNY #FINCEN #TaxDeadlines #BusinessTaxes #CharitableGiving #VeteransSupport

Ever wondered what it's really like to run a small business? The late nights, the constant hustle, the endless decisions? Today, we pull back the curtain with Joe Yantachka of Partyman Catering. We'll delve into the nitty-gritty of managing finances in a dynamic industry. Joe will share his secret sauce for success, from strategic investments to smart budgeting. But this isn't just about numbers. We'll also explore the heart of entrepreneurship: the passion, the challenges, and the incredible satisfaction of building something from the ground up. Whether you're a seasoned business owner or just daydreaming about launching your own venture, this episode is packed with valuable insights and inspiration. So, grab your notebook, put on your thinking cap, and get ready to learn from a true Pennywise pro. Let's get this party started (financially speaking, of course)! Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ Co-Host: David T Georgiev, MBA, CKA ⁠⁠ Guest: Joseph Yantachka III - Owner, Partyman Catering, Inc. Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://www.partymancatering.com Guest Email: info@partymancatering.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-... License (CC BY 4.0): https://filmmusic.io/standard-license

Feeling financially lost when it comes to your health? This episode of Pennywise Financial is here to guide you towards smarter spending in the physical therapy world. Join me as I chat with Beth Perry, co-owner of Wellness 360, a unique fitness center prioritizing personalized care and affordability. Forget cookie-cutter gyms! Beth and her team are shaking things up by offering: Personalized one-on-one care: Ditch the crowds and get a program tailored to your specific needs and goals. Convenience: No more juggling schedules – their flexible options fit seamlessly into your busy life. Specialized group classes: Parkinson's, osteoporosis, balance, boxing... they have something for everyone, regardless of their limitations. Caregiver support groups: Find community and resources while supporting your loved ones' health journey. But it's not just about the services. Beth and her team are what truly sets Wellness 360 apart. They're motivated, focused, and treat everyone with the utmost respect and dignity. Listen in to discover: 1. How Beth built a fitness center that caters to individual needs and budgets. 2. The surprising ways personalized care can be more affordable than generic gym memberships. 3. How to find fitness solutions that fit your lifestyle, not the other way around. 4. The heartwarming story of their caregiver support group and its impact on the community. This episode is for anyone who: Wants to improve their health but feels overwhelmed by traditional fitness options. Seeks personalized care and attention without breaking the bank. Believes in the power of community and support when it comes to achieving health goals. Ready to find your perfect fitness fit? Tune in to the Pennywise Podcast and see how Wellness 360 can help you reach your goals, both physically and financially. Let's spread the word about smart spending and healthy living together. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Beth Parry, PTA, LMT, Co-Owner | Wellness360 Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://www.wellness360fitness.com/ Guest Email: info@wellness360fitness.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

We're well into the new year and we look back on some of the most popular holiday gifts purchased as well as some of the ones under our tree. My guest is Sebastian Alexander Kitrinos and he was proud to talk about some of our favorite past times as well as the benefits and drawbacks of technology. Bash talks about the frustration he has sometimes when trying to reach his goals and how sometimes even the best planning requires you to make changes. It's always a pleasure to have the kid on and mix a little quality time with some business. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Sebastian Alexander Kitrinos Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license Music: Holiday Shimmer And Shine by Justin Allan Arnold Free download: https://filmmusic.io/song/11597-holiday-shimmer-and-shine Licensed under CC BY 4.0: https://filmmusic.io/standard-license

Daylight is scarce, shopping is rampant, and people are out and about this holiday season to close the year on a high note. Besides all the family and fun, it's also a good time for people to take a look back on the year and reflect. Constantine looks back at the price of goods and services and talks about the sectors of the market that have gone up throughout the year and those that have been challenged. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The link mentioned in this episode with information on how and where to go to freeze your credit https://bit.ly/KeepItSafeHolidays2023 The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license Music: Holiday Shimmer And Shine by Justin Allan Arnold Free download: https://filmmusic.io/song/11597-holiday-shimmer-and-shine Licensed under CC BY 4.0: https://filmmusic.io/standard-license

Having your financial house in order includes your Estate plan. Estate planning is the PennyWise thing to do. Kevin Johnson, Esq from Klafehn Heise & Johnson, PLLC joins the show to talk about helping clients and some of the biggest misconceptions people have about our judicial system. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Kevin Johnson, ESQ | Klafehn Heise & Johnson, PLLC Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com ⁠⁠⁠⁠Guest Website: www.khjlaw.com Guest Email: reception@khjlaw.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan Arnold Freedownload: https://filmmusic.io/song/11209-back-roads-in-the-afternoonLicense (CC BY 4.0): https://filmmusic.io/standard-license

The real estate market is pretty rough for any buyer right now with a ton of obstacles making the process a little less than fun. Greg from The GC Homes Team at RemaxPlus tells us how he's helping clients navigate this tumultuous market. Headaches no more with the way Greg works with his clients and buyers. We talk economy, rates, inflation, the process, buying & selling homes, flipping, wholesale and other real estate investing topics. #realestate #investing #homebuyers #homebuying #mortgage #interestrates #inflation #sellingmyhome #buyingahome #realtor Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Greg Castirchini | Associate Real Estate Broker | The GC Homes Team Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.thegchomesteam.com Guest Email: GREGG@THEGCHOMESTEAM.COM The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Finding the right place to call home is a really tough one. For many it's a struggle because it feels like you're giving up control and sacrificing independence. That's where Holly Crocker comes in and makes the whole process better. She works with the family every step of the way to make sure you're doing the right thing. #seniorliving #seniorcommunity #seniorhousing #senioradvocate #seniorliving #seniorcitizens Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Holly Crocker | Senior Living Advisor Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.oasissenioradvisors.com/rochester/ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Liz from the Liz Harley Allstate Agency in Victor joins the show to talk about the things you already know, the things you think you know, and the things you should know. We're all facing the rising cost of living but saving a few pennies to pay many, many dollars down the road never adds up. She brings years of experience and many stories to the show. Hopefully, you learn a thing or two or brush up on some things you used to know. We have some laughs with Liz but the value she brings to our clients and followers gives us even more to smile about. #insurance #protection #automobile #home #allstate #insuranceagent Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Liz Harley | Liz Harley Allstate Agency Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://bit.ly/TalkToLiz The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Today, we chat with Frank DeSantis, owner and operator of Salvatore's Barber Shop in Chili, New York. Being in a barber shop exposes you to conversations between other business owners, CEOs, and white and blue-collar employees. What a great way to get some insight into the general public's spending habits and measure the perception of the health of the economy. Frank doesn't hold back any punches and talks about how he reaches a state of Zen. #Economy #spending #money #PennyWiseFinancial #Podcast #barber #barbershop #barbershoptalk Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Frank DeSantis Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://chilibarbershop.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

What else can you expect from a local Barber Shop Owner. Topics go all over the place and don't quite get to Aliens, but Frank was ready to talk "Aliens" if need be. Maybe next time. Today, we chat with Frank DeSantis, owner and operator of Salvatore's Barber Shop in Chili, New York. Being in a barber shop exposes you to conversations between other business owners, CEOs, and white and blue-collar employees. What a great way to get some insight into the general public's spending habits and measure the perception of the health of the economy. Frank doesn't hold back any punches and talks about how he reaches a state of Zen. #Economy #spending #money #PennyWiseFinancial #Podcast #barber #barbershop #barbershoptalk Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Frank DeSantis Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://chilibarbershop.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

This episode focuses on one specific topic all of us will be faced with in retirement, healthcare. Our discussion with a local expert helps us know more about the process and understand how complicated your choices can be when trying to tackle this on your own. We've all heard of Medicare and might understand some of the basics, but today's guest helps us uncover the things you may not know. Brenda Foster from the Medicare Marketplace is our guest and she delivers timely information for retirees needing to make their annual elections during the open enrollment period this year between October 15th - December 7th. It's happening and the time is now! Get the help you deserve and reach out to Brenda to educate yourself and make the best choice for your healthcare in retirement. #Medicare #Retire #Healthcare #Medigap #OpenEnrollment #PennyWiseFinancial #Podcast #Consultant Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Brenda Foster Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.themedicaremarketplace.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

A best-selling author, speaker, mentor, and coach gives us his story on overcoming debt and how he mentors others to do the same and much more. Marcus Garrett joins us to share some personal life experiences on how he got started with his coaching, guidance, and debt elimination programs. He is passionate about what he does and takes a different approach to just one simple process to reach success. This was a great conversation to discuss his journey and should inspire others as well. #LongTermApproach #BetterOutcomes #Invest #Grow #Protect #Debt #Plan #MarketOutlook #MarketTrends #Recession #Evolving #Economy #Stocks #Bonds #InterestRates #Energy #PennyWiseFinancial #Podcast #DebtFree Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Marcus Garrett | www.themarcusgarrett.com Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

We were graced by the presence of Andrew White, hailing from Philadelphia. He has been at Vanguard for over a decade and brings some good dialogue to the table. He shares his first experience with a Garbage Plate and the market outlook, the fed, interest rates and positioning. Are we in a recession? Does it make sense to jump ship out of stocks and hide in cash? He shares insight from his research team and references studies done by Vanguard about the power and impact a trusted advisor can have on an individual's financial plan. Andrew points out the difference between cost and value. Focus on the wrong thing, and you could be missing out. Tune in and subscribe to hear this and more. #LongTermApproach #BetterOutcomes #Invest #Grow #Protect #Election #MarketOutlook #MarketTrends #Recession #Vanguard #AndrewWhite #EverChanging #Evolving #Economy #Stocks #Bonds #InterestRates #Energy #PennyWiseFinancial #Podcast Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Co-Host: David T Georgiev, MBA, CKA Guest: Andrew White | Vanguard Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Budgeting has never been more important than right now for many Americans across the nation. Inflation is crushing folks living on a fixed income and forcing us all to take inventory of our spending, habits and figuring out what our needs versus our wants. Today we chat with Sebastian and hear what's important from the perspective of a first grader. You'll hear everything from how he would spend his income to the things that matter most to him. Topics were made up by him on the spot. He begged to be on the show and enjoys coming on and helping "Dad" educate and guiding clients to financial independence and happier lives. Tune in and subscribe to hear this and more. #INCOME #BUDGETING #FINANCIALPLAN #INCOMENEEDS #SPENDING #EDUCATION #FINANCIALWELLNESS #CONSULTING #PASSIVEINCOME #CASHFLOW #SAVE #INVEST #GROW Host: ⁠⁠⁠Constantine J Kitrinos, CPFA ⁠ ⁠⁠ Co-Host: Sebastian Alexander Kitrinos Website: ⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Ever watch those catchy ads on TikTok, Facebook Reels, Instagram or Youtube? You know the ones that tell you everything you've ever wanted, hoped and dreamed for in an "investment". It's the account where you invest money, never lose, have guarantees, have no limits on how much you can put in, collect tax-free income for life and forget about any of the IRS rules as well because those don't apply. 🤣 Our firm has been getting more and more calls asking about these ads and what they're talking about. Watch or listen to the latest episode of PennyWise Financial to get a grip on reality and understand more the benefits those ads promote. It's NOT that the product is the issue, it's the way they're being sold. Tune in and subscribe to hear this and more. #PROFIT #IUL #LIFEINSURANCE #DEATHBENEFIT #LEGACY #FINANCIALPLANNING #RISK #PROTECTION #RISKFREE #TAXFREE #TAX Host: ⁠⁠Constantine J Kitrinos, CPFA  ⁠⁠ Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠www.monarchwealthmanagement.com⁠⁠ The following music was used for this media project: On Hold For You by Kevin MacLeod Link: ⁠⁠https://incompetech.filmmusic.io/song/6928-on-hold-for-you ⁠⁠License: ⁠⁠https://filmmusic.io/standard-license Music: Spirit Of Achievement [Full version] by MusicLFilesFree download: https://filmmusic.io/song/11216-spirit-of-achievement-full-version License (CC BY 4.0): https://filmmusic.io/standard-license Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

This is an intro for Episode 91 | Season 5 of the PennyWise Financial Podcast Featuring David T Georgiev, MBA and host Constantine J Kitrinos, CPFA. Watch the full episode to learn more about why Constantine can't stand these ads being pushed out about a decent policy that's being "sold" in a misleading way.