PennyWise Financial

It might seem like everything is going to crash, investments can't seem to find their footing and the world is coming to an end. Remember, the market is cyclical, runs through it's cycles and has been repeating this pattern for years and years. The question becomes how long and how deep will this market head as we start off the year deep in the red. Constantine discusses the current market conditi...

The new year is not off to a hot start with all three major indices in the red. Whether it's tension in the Ukraine, rising rates or inflation, a buzzsaw is out to get certain areas of the market and specific bond positions. It's no surprise that the tech sector is down the most and we expect this trend to continue in the near term. Where to go and what to do? Jason and I discuss questions from ex...

It's a new year and that means most of us have some New Year's resolutions that are underway. That means the typical "I need to lose 10lbs" or something like that. For some it means budgeting or spending change. Either way, it's a great time to take a deep breathe, reassess what happened last year and begin the journey of self betterment. Speaking of betterment, we have a new employee! That's righ...

With only a few days left in the year, we focus on a reminder of what's happened through the ups and downs of 2021. Looking in the rearview mirror will give us some perspective on what was and what might happen in the new year. We'll take a stroll down memory lane and begin to formulate guidance for the new year among some of the supply chain, unemployment, and inflationary issues that aren't over...

It's almost the end of the year and that means a time crunch for many of us. Our business is very cyclical which means that we're crazy busy at certain times of the year for various reasons and this time of year happens to be one of those. Why the craze in December of all times? We talk about that, some strategies on tax-deferred versus tax-free, retirement accounts, and some stuff you should be t...

Buy, sell, do nothing, laugh, cry, smile, rejoice - all the emotions of a day in the life of a trader. Good thing were investors and not traders. We chat about current happenings and different investment strategies happening now. Host: Constantine J Kitrinos, CPFA Co-Host: Jason T Georgiev Link: https://www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. I...

The stock market has some scratching their head looking for answers. It's time to take a look at the disconnect between main street and Wallstreet. We scroll through various sectors of the market and look to find the Cat's next meow.  Because of the recent market jitters, it can become frustrating to know exactly what to do and how to make money.  On previous episodes we talk in general...

You don't have to be left alone to look at your statements, see losses and not hear from your advisor on the market and the outlook. Jason and I touch on some of our clients fears and relevance of market returns in the final quarter of the year. We reference LPL Research among other things like interest rates and the sensitivity of bonds and fixed income as we enter a new phase of interest rates a...

The market may have spooked you a little these past few weeks, but we're not so sure this is cause for alarm and may just be one of many head fakes that are yet to come.  It's funny how short-term our memories can be when it comes to investment returns. In one breathe we wonder if it's possible to get a 20% or great return this year and a week of tumbling stocks makes us wonder if our "stuff"...

You're a client, a podcast subscriber, a blog post member, a newsletter recipient and you know everything we do and don't do as a firm; right? We're finding that even long-time clients don't know all of our capabilities, especially as we continue to grow and add more areas where we can help. Tune in to hear some questions from the audience which includes current clients and some prospects to give...

Hear what we learned from our trip to the Mayan. We chat with business owners, travelers, hotel & tourism employees and get a different perspective on the industry and where things are headed in the upcoming years. There are a few stocks that come to mind when we traveled and had the opportunity to learn more about them, how they've performed, and a glimpse into their future.  Host: Const...

We celebrate a special birthday for our very own Jason Georgiev | Branch Operations Manager and so, so much more!  Topics for discussion include inflation, Retirement Plan help, when to sell or buy stocks, and how much is enough.  Know when to hold 'em and when to fold 'em. Host: Constantine J Kitrinos, CPFA Co-Host: Jason T Georgiev Link: https://www.monarchwealthmanagement.com Credit b...

If you're going to a wedding or larger function this year hear some of the changes to expect and know what's going into the planning. Visiting restaurants, food prices, and costs are still on the rise while employment openings remain difficult to fill.  If you haven't revisited the interest rate on your home or auto, you might want to look a little closer.  Hear how we worked with a clie...

Learn what's new with our Broker/Dealer - LPL this week, compliance in our industry, and the tools at our disposal. We revisit hot buttons for the market and the economy like the Delta variant, mask mandates, and vaccine progress.  Understand why overseas markets look less expensive, could be a place to be, and how and when we're positioning our assets into areas of the market poised for growth po...

Get more info on the Child Tax Credit, the Delta Variant, Stock Market, and the Olympics.  Learn more about what's to come in the months of August and September and the rest of the year.  Both opportunity and some volatility could be lurking around the corner.  We analyze the data and give some details on how we see positioning your portfolio during the year following an election.&n...

People often wonder what it is we do day in and day out when we're not meeting with clients. Research, digging, understanding, formulating, forecasting, adapting, and tons and tons of data integration. Making sense of the numbers we all have access to. Knowing where to look and what to look for. It's about having a process, a philosophy, and executing decisions that will either help protect and ca...

I talk to one of the firm's Independent advisors based out of Buffalo, NY to discuss his unique offerings and how we work as a team on retirement plans. Mark shares some insight on what he does, his process, and how he and I work together with business owners.  He shares some of his journey to parenthood and the financial aspects that he had to overcome. Tune in to hear more about Mark on bot...

Understand more about the breakdown of what you'll find in the makeup of your gas prices at the pump.  Inflation and how it has a role in gas prices, the stock market, and commodities.  Where things have been since the beginning of the year and where they're headed.   Host: Constantine J Kitrinos, CPFA  Co-Host: Jason T Georgiev Link: https://www.monarchwealthmanagement.com&nbs...

You're a business owner and don't have time for a long, drawn-out valuation that's expensive and a static determination of what it's worth at that moment in time. Learn how we work with existing, new, or business owners selling their business to know what it's worth. Understand the Key Performance Indicators that are enhancing or detracting your business valuation.  Not selling, buying, or re...

Our "secret" to success isn't much different from some of the most successful firms out there.  That begins with the three "P's".  People, Product, and Process have to be fine-tuned and repeatable so you come to expect a very high level of service and communication.  Clients know most, if not all about how we communicate our strategy, investment changes, and process, but if you don'...

Lisa from Geraci Realty talks through the market conditions, the buying process, how real estate reacts in a rising rate environment, and many other things.  Real estate investing comes in all different shapes and sizes and profitability can vary quite a bit.  Take a listen and learn more about the market right now and what's happening from an insider, my wife!  Host: Constantine J...

We've had questions thrown our way for the past several years regarding digital or cryptocurrencies.  People want to know what they are, how they work, and if they should invest in them.  Jason and I discuss some terminology, the background on their creation, and some of the things we can help clients with beginning a few weeks from now.  Make no mistake, cryptocurrencies are NOT for the faint of...

You know the stock market, you understand the basics of bonds, but listen as we describe some of the more intricate details of alternative investments and how bonds work.  Fixed income might be more complex and a better market indicator than the stock market itself.  Money managers have looked to the bond market for hints at where the market may head in the upcoming 6 - 12 months.  Take a listen a...

If you're like the rest of Americans, you're thinking you can't wait for a vacation!  Here's your chance to hear from an expert on what to expect and how things are done when it comes to travel in this post-pandemic era.  How do you book travel these days?  For those who don't use a travel agent or wonder why people still use them, you should listen to this episode.  We chat with Natalie Fichera,...

You have a retirement plan at work just like everyone else and that means what?  More than likely you set up your 401(k), picked a target date fund or some individual investments, and haven't look at a statement or thought about it in a while.  We meet with people who ask for help on these plans or want to know more about them. Jay and I discuss different retirement plans, how they work, and the d...