PennyWise Financial

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, #...

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, #infla...

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 ec...

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 &...

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, #inv...

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, an...

Have you been paying attention to the stock market lately? Finally, some green numbers! We discuss the market and its current outlook, and why we're feeling more optimistic. Also, we dive into saving for college, including 529 plans, and current events impacting our daily lives such as inflation. Sam and Constantine chat about #marketgains, #college, #investing, #inflation, and #currentevents...

Have you ever thought about working with a financial advisor? When it comes to setting and achieving realistic goals, we're here to help you make the best decisions for YOU. We discuss the benefits of trusting a professional when it comes to investing. Also, we talk about Elon Musk and Twitter, inflation, gas prices, and the economy in general.  Sam and Constantine chat about #financialadviso...

Are you nervous about your investments right now? We know it's easy to look at the recent market declines and start to worry. But in this episode, we'll tell you all about annual returns and intra-year declines and why you should be looking forward to the next six months, as investors are still confident about the stock market. Also, we discuss how a bull market can return soon and why a bear mark...

Are you a business owner? What kind of retirement plan do you offer your employees? Tune in to hear about the many options you have as well as some key deadlines for your plans. Also, we talk about the crazy current events going on right now and how they tie into the market. Sam and Constantine chat about #retirement, #savings, #businessowner, and #currentevents among other things relevant to the...

Do you know what happens when you inherit money? you may think it's a straightforward process, but there's actually a lot of choices and rules that you have to follow. Also, there may be some hope for optimism, as we'll let you in on market cycle tendencies that have investors looking forward to the second half of the year and beyond. Sam and Constantine chat about #taxes, #savings, #marketcycles,...

Nobody likes taxes unless, of course, you're the one collecting. So how can you make sure you're paying your fair share and no more? For starters get a good accountant, tax advisor, or CPA. We work with tons in the area and believe this is essential to planning for your future. One example you can use going forward is to square up on taxes today and collect tax-free income when you're ready to han...

By now you realize what type of investor you are. Either scared and terrified to look or tough as nails and prepared to embrace the cheaper buybacks and stocks you see on sale. We have a mixture of both client types but at the end of the day, it's about education and knowing what to expect as an investor. We do our best to keep clients abreast of what's happening and what we're doing about it so w...

You have kids and you're a little overwhelmed and confused about how you should be saving for their education. Sure there are 529 plans, but that's only one way to save, and what if they get a scholarship or choose not to go to school? We chat about some things to consider and lay out some options you may or may not have heard before. The broader market continues to trend downward, but some techni...

We're advisors through thick and thin and you may be curious to learn more about what we do behind the scenes. Not quite as glamorous as you might think. Tons and tons and tons of research. Earnings calls, research reports, testing, trading, conference calls, financial forums, analyst meetings, talking to business owners, talking to CEOs, digging into financials, and reviewing charts. Even with al...

Look out below! Moving through the second quarter and things are not improving at all. People know we do investments and insurance and we're often asked about combining the two. What does that mean? Take a listen as we touch on uses for insurance and other ways to protect your investments. Our case study involves a company buyout and retirement plan options. We kick the tires on IRA's versus 401(k...

The second quarter is underway and the market continues to face challenges across the board. We recently visited Philadelphia for our annual conference where we shared ideas on how we're positioning portfolios and what we're seeing through this year and into next. It was a great time for us to share ideas, get insights and hear from our colleagues in the field as well as from various partners and...

We head into the end of the first quarter and the market seems to be calming; for now. The tax deadline is around the corner, expenses continue to rise and the cost for borrowing keeps going up. Due to recent family losses, the discussion around estate planning has become front of mind. We chat about what final wishes look like, naming beneficiaries and when and where you need an attorney to help...

The first quarter is nearing a close and to say things are off on the wrong foot would be an understatement. With that being said, things are beginning to look a little different. It might not be much, but the tide is starting to turn for the market and the trends we saw gaining momentum are loosing steam. Could this be a mere head fake? Yes - possibly, but don't give up on the market and yourself...

The bite of a bear is ranked as one of the strongest amongst animals and its bite force is between a lion and a tiger. Given where we are just a couple months into the year we're all wondering if this is the beginning of a longer bear market. Only time will tell, but there are still places to make money. It's the same theme we've been talking about all year long and it seems the trend will continu...

We enter the tail end of the first quarter and hunt for any green we can. Not green energy, but any place our clients can make money. The bleeding seems to be slowing and we attempt to make sense of a shift in trends we've seen in the past five or six trading sessions. We discuss some trending investments that seem to be turning a corner and how much gas they may have left in them for the remainde...

Ukraine, pin action in the market, Ukraine, tax talk with Sheila Monachino from Davie Kaplan, and more Ukraine. This conflict isn't coming as a surprise to many that have been tuning in and things are really starting to heat up. The bigger question becomes how long and how much is this going to hurt portfolios? There are tons of things you could do right now that would disrupt progress for years t...

We discuss current events affecting your investments, stocks, bonds and everything in-between. Everyone is wondering what kind of returns we might expect in this current environment and what we're doing now with our portfolios. Inflation is here and it looks like it's here to stay.  #MidTermElection #Ukraine #Stocks #Bonds #Inflation Credit below for music used in commercials intros/outros et...

Let's get ready for some football! This episode features guest hosts Sam Gueli and Managing Partner David Georgiev. This Macedonian, Italian and Greek smorgasbord of hosts gives you a flavor of the market performance, questions from the field and some current events playing a role in your investments and your nerves. We take a look at the market momentum or lack there of, but don't chalk this up t...

January was a punch to the gut - plain and simple. It left more to be desired, much more to be blunt. Will Punxsutawney Phil's shadow spotting change anything about the market landscape? Hopefully this doesn't mean six more weeks of turmoil. We discuss how January was one of the worst monthly performances we've seen in some time. Sam asks about what else the firm provides beside just money managem...