PennyWise Financial Podcast

One might question why we would have guests on the show who share similar business models or overlapping services to address the needs of our client base. The reality is, we view others in our field as colleagues, peers and people we can share ideas with and learn something new at the same time. Our firm practices and delivers all encompassing planning, but perhaps not in the same way as others. Today's guest is Adam Carroll, the founder of the Shred Method and we chat about the way he approaches a very important topic to most - debt. We learn more about his process, how it works and who he helps. Adam's system is adaptable and engaging as he works with clients throughout their journey from improving cash flow to income independence. We discuss the basic concepts and blueprint of how it all works. There are tons of resources out there that look to address financial goals, but Adam's drive, passion and ongoing engagement may be the differentiator you're looking for. It was a pleasure to have him on the show and share ideas and concepts around tackling debt and the value of improving cashflow and what it should be doing for you. His contact information can be found below. Tune in and subscribe to hear this and more! #invest #grow #protect #stocks #bonds #retirement #income #cashflow #debt #tedex #speaker #author Host: ⁠Constantine J Kitrinos, CPFA  ⁠ Website: ⁠www.monarchwealthmanagement.com⁠ Guest: Adam Carroll⁠⁠⁠ Website: www.theshredmethod.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: ⁠https://incompetech.filmmusic.io/song/4614-welcome-to-the-show⁠ License: ⁠https://filmmusic.io/standard-license⁠ Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: ⁠https://filmmusic.io/song/7920-grand-dark-waltz-allegretto⁠ License: ⁠https://filmmusic.io/standard-license⁠ Valse Gymnopedie by Kevin MacLeod Link: ⁠https://filmmusic.io/song/7928-valse-gymnopedie⁠ License: ⁠https://filmmusic.io/standard-license⁠ Disclosure On Hold For You by Kevin MacLeod Link: ⁠https://incompetech.filmmusic.io/song/6928-on-hold-for-you⁠ License: ⁠https://filmmusic.io/standard-license

People have a prudent duty to analyze expenses, budget and adjust accordingly. This is becoming more and more important as the economy continues to weaken and we take inventory of the products and services we're paying for. A few things we can't live without are food, shelter, and Netflix, so that means everything else is labeled a "luxury". All kidding aside, these are desperate times for many - especially those on a fixed income, and near, or in retirement. Those folks are not going to have more time for their portfolio's to grow fast enough or have the ability to work and make more money. Income for that segment of the population is struggling to find ways so they can survive in their retirement years with dignity due to the rate of inflated costs they're seeing at the grocery stores and other compulsory living expenses. One of those costs can be advisory fees. The next consideration is cost vs value and this is something addressed on this episode of the podcast. It's an independent opinion and an important one. Tune in and subscribe to hear this and more! #invest #grow #protect #stocks #bonds #alternatives #retirement #interestrates #mortgage #cost #value #advisor #fees Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev  Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Things are putting a smile on the faces of many investors as the markets continue their consistent trend upwards. After last years volatility and losses, can these moves instill enough confidence for investors to feel better about their overall plan? We're still facing problems in the market that haven't been resolved, but can the market see past all the bad news? Earnings, consumer spending, inflation, the Fed and the war in Ukraine continue to pose a challenge for smooth sailing from this point out. Moving past COVID will reveal the new world we're living in with most back to what we would call "normal" and others that could be different forever. Cryptocurrencies could have seen their bottom as they're are trending higher despite exposing #fraud and potential issues with various wallets and storage.  Tune in and subscribe to hear this and more! #invest #grow #protect #stocks #bonds #alternatives #retirement #smallbusiness #selfemployed #realestate #cryptocurrency #interestrates #mortgage  Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev  Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Happy New Year, and welcome to the first episode of 2023! It's year five and our 86th episode under our belt. Thanks again for clients and prospects listening to and supporting the show. A New Year usually brings about change in several different ways. Don't get too cozy with rules because the only thing consistent is that they change - all the time. We barely scratch the surface and look at the Secure Act 2.0 that passed days before the new year. The act changes a number of things relating to retirement plans, distributions, penalties, and a bunch more that impact business owners. Will the act's passage make things safer, more transparent and more straightforward? To be determined. One thing it does is preserve job security for #advisors, #attorneys, and #CPAs. The markets show promise, and retail investors seem to be loosening their seat belts just a couple of days into 2023. Could this mean we might have a soft landing where seat belts are optional? The first few months should indicate if the economy and the market could somehow ease away from a recession. Don't get ready for the airbags to deploy just yet! Tune in and subscribe to hear this and more! #invest #grow #protect #stocks #bonds #alternatives #retirementplan #smallbusiness #selfemployed #secureact #spending #rules Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev  Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

In the final episode of the year and to closeout season 4, Constantine has David and Chris on to reflect on the happenings of this year and how things might shake out in the new year. Santa Rally in the cards? There are a few trading days left in the year, but no-one can say for sure what will happen.  Unemployment, interest rates, the fed, overall state of the economy, challenges and data that support a tough environment may be changing course if a few things can get buttoned up. Hear from the trio and get a different flavor of market talk as they dive into retail spending, jobs and market cycles as we navigate from peak to trough and look for support to establish a bottom.  Tune in and subscribe to hear this and more! #invest #grow #protect #stocks #bonds #alternatives #crypto #retirementplan #smallbusiness #selfemployed Host: Constantine J Kitrinos, CPFA   Guest-Hosts: David T Georgiev and Chris Fossum Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

The end of the year is weeks away and we'll be closing the door on an awful year, but it's not over yet. People are creatures of habit and have a tendency to wait until the last minute for just about everything. Investment accounts and tax considerations are no different. This time of year is notorious for people rushing to get started on a 401(k)'s, SIMPLE IRA's, IRA contributions, RMD's, HSA contributions and any other strategy that can make a big difference in your tax planning and retirement goals.  Jason and Constantine discuss market trends and  parts of the market that have left portfolio's maimed. Good ole balanced, 60/40 portfolio's that were touted as standing the test of time have reported losses nearing 20% for the year. Ouch! Working with our clients and maintaining a sharp focus on goals based planning have kept our clients on track as they work towards their goals.    Tune in and subscribe to hear this and more! #goals #invest #grow #protect #stocks #bonds #alternatives #crypto #rmd #ira #401k #hsa #rothira #retirementplan #smallbusiness #selfemployed Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev  Website: www.monarchwealthmanagement.com   Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Some people cringe at the thought of planning for all their "stuff" and what happens to their children. Estate planning is not an easy thing to tackle, but it's a necessity because without a plan, the state has one for you. We've been helping more and more clients as they navigate a family loss. What it means as far as distributing money, taxes and who's in charge of it all.  Chances are you've had a couple of jobs over the years. It's important to keep track of your retirement accounts throughout the years or you could forget what you own, keep them in an account that nobody is managing and lose a ton of money. This year is a reminder for many and opening statements after years of neglect can be painful. Luckily we have a solution to help ensure we capture your old accounts and make them part of your overall financial plan.  Tune in and subscribe to hear this and more! #estateplan #will #powerofattorney #trust #probate #death #401k #403b #retirement #investment #ira #money #wealth #financialplan #retirementplan Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev  Website: www.monarchwealthmanagement.com   Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

And the market sale continues. Black Friday deals have the ability to entice even the most cost-conscious consumer. This year it's NOT only the large-screen TVs that come at a discount. There's no shortage of stocks, bonds, and alternative investments that come with a 30% coupon. Will it be enough to settle the market turmoil and end the bear market? Conviction, earnings, and some type of catalyst other than buying stocks cheaper than they were selling a year ago. We need a catalyst and so far there's not much hope that'll arrive due to the big sales after this Thanksgiving holiday. In the meantime, enjoy the turkey and conversations with family. A big meal and some rest may be just what the doctor ordered for the reset button to be triggered. Tune in and subscribe to hear this and more! #blackfriday #sale #stocks #bonds #catalyst #inflation #marketloss Host: Constantine J Kitrinos, CPFA    Co-Host: Jason T Georgiev  Website: www.monarchwealthmanagement.com   Credit below for music used in commercials intros/outros etc.  Intro  Welcome to the Show by Kevin MacLeod  Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show  License: https://filmmusic.io/standard-license  Commercials  Grand Dark Waltz Allegretto by Kevin MacLeod  Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto  License: https://filmmusic.io/standard-license  Valse Gymnopedie by Kevin MacLeod  Link: https://filmmusic.io/song/7928-valse-gymnopedie  License: https://filmmusic.io/standard-license  Disclosure  On Hold For You by Kevin MacLeod  Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you  License: https://filmmusic.io/standard-license

Mid-Term elections are over, CPI numbers are in and the overall market is responding. Boring is out and "tech" is back in, for today that is. Fall is over and the winter is moving into the northeast. That means higher heating bills and utilities in the coming months. We continue to fight off inflation and the fed and look for opportunities to invest. Are the cryptocurrencies setup for a big turnaround or is this when the nail gets hammered into the coffin? Trouble is knocking on the door of cryptos, miners and wallets across the globe. Hear Constantine's view on the economy in the coming months and the difference between easing off the pedal and slamming on the brakes. People are working, business are struggling to fill positions, the unemployed can't find jobs, companies are laying off and unemployment remains at record lows - what give's? The skew can tell a different story.  Tune in and subscribe to hear this and more! #bonds #income #interestrates #inflation #economy #unemployment #recession #jobs Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

The economy is slow, spending is going down and profits are beginning to shrink. Jerome Powell and the Federal Reserve are starting to smile, but is it enough? Smiles can only take you so far. Rates have been going up consistently which is helping to bring down CPI, but at this rate we're crawling into an inevitable whole called a recession. It's a slow dance which should've been more of a breakdance. You wouldn't want to punish yourself by watching either one of these hosts do any kind of dancing! Constantine and Jay touch on one of the only places that has seen profits this year, some creative income producing assets classes and how they measure up and pile on concerns about the economy. You can expect to hear about a record breaking $1.9B lottery, election results, divided government, Twitter & Elon Musk and the impacts of the daylight savings changes. Tune in and subscribe to hear this and more! #bonds #income #interestrates #inflation #economy #twitter #ElonMusk #lottery Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Working for a company that offers benefits is great; owning your own business can be much, much better. That's right, you call all the shots, make your own schedule, set your own goals, and create a brand for yourself. It's all glitz and glam, but it doesn't come for those without the heart and dedication to make it work. A big difference between being the employer versus being the employee is the benefits package. Not all business owners know the best health plans to consider, understand life insurance, or even what retirement plan they should be considering. Some of the benefits are stackable. Yes, you can couple different plans to maximize tax deductions and savings for your retirement. Let's NOT forget about your old retirement plans and what to do with those as well. Interest rates, war, recession, fear, mid-term election, inflation, supply chain issues and a boat load of other concerns that are leaving many in panic mode. We look at things you can do right now to protect principal or reduce risk. Consider losing less than the market a win to be celebrated. Tune in and subscribe to hear this and more! #insurance #war #ukraine #finance #inflation #currentevents #bonds #fixedincome #interestrates Host: Constantine J Kitrinos, CPFA   Co-Host: Jason T Georgiev Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Today's episode features the one and only David Georgiev! Joining us for the last episode in September, David gives some great insight to the current landscape of the market and how to endure what is going on. The guys also stress the importance of not acting or investing emotionally. We discuss many things from #hurricaneian to insurance and much more - you never know what you're going to get when David joins! Sam, Constantine, and David chat about #investing, #marketloss, #insurance, #finance, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Guest Host: David Georgiev Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Discussing the concerning trajectory of the stock market, we give insight to what is going on and what the future may hold. Also, we get into international stocks and if they are a reasonable bet. It's also national life insurance awareness month! What does that mean to you? Tune in to find out! Sam and Constantine chat about #internationalstocks, #marketloss, #lifeinsurance, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

On today's episode, we discuss our values and why we work for you. We're in this together! Listen in to hear why we care about you and your future. Sam and Constantine chat about #advisors, #marketpullback, #values, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Are you finally debt free and wondering what your next steps are? It can be overwhelming, but don't worry! We'll help you understand exactly how you should go about investing when you're ready to. We also discuss how life insurance can be thought of as a long term investment, and student loans and debt forgiveness! Sam and Constantine chat about #debt, #marketpullback, #studentloans, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Are you a business owner? Have you started planning for the end of the year yet? Listen in as we discuss how working with a financial advisor is the best idea to help you with all your unique needs. We also get into some important market research topics and how they may impact things going forward. Sam and Constantine chat about #businnessowners, #marketpullback, #housingmarket, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Thinking about working with an advisor but don't think you have enough assets? Believe us, we understand. But there are so many options you have even with a limited budget that only stand to benefit YOU. We discuss some examples of how we can help different types of investors reach individual goals. Also, the market looks promising, as we talk about some statistics that suggest a rebound in the economy. Sam and Constantine chat about #marketrebound, #money, #budgeting, #investing, #inflation, and #currentevents among other things relevant to the market. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Today's episode features the one and only Marcus Kroll from Kroll Law Firm! Join us as we discuss with Marcus why it's a great idea to work with an attorney and get all your loose ends straightened out. Marcus gives advice on how to take care of your money, great tax help, and plenty of other valuable tips. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Looking to change jobs? You have questions, we have answers. If you're thinking about making a change and you're unsure of what to expect, don't worry! We'll walk you through everything from your 401(k) to life insurance. Also, we discuss many ways to save money including some newer age tactics such as budgeting apps. Sam and Constantine chat about #careerchange, #jobmarkets, #budgeting, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more!  Host: Constantine J Kitrinos, CPFA   CoHost: Sam Gueli Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Kids, sports, allowance, and lunch money. You know - all the essential things to a 5 and 9-year-old. Talking to kids about finance, their understanding of what things cost, and what retirement means in their own words. Constantine invites his son Sebastian and his niece Adriana to talk "finance" and help kids and young adults learn more. This episode focuses on #college, #investing, #inflation, and #scaryvoices in today's financial markets. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA   Guest Host: Sebastian Alexander Kitrinos, Class Mayor and "Kid Boss" Guest Host: Adriana Marie Gianvecchio,  Website: www.monarchwealthmanagement.com  Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license