Your Time, Your Money ™

GOOD MORNING AND GREAT COFFEE! Have you ever walked into a grocery store with a budget in mind and walked out a couple hundred dollars over what you wanted to spend? How about buying a subscription to a tv app that you SWORE you'd cancel after the free trial, and yet there it sits 2 years later... These and other things are discussed in this burst session with Mark Esslie  regarding ways that...

GOOD MORNING AND GREAT HEALTH! This episode of YCYM presents special guest Phil Bazicki, manager, wrestling and Jiu Jitsu Coach at Clever Combat in Latham, NY. This is a one-of-a-kind episode, diving deep into the world of mixed martial arts, wrestling and strength training. Matt and Mark discuss in depth the benefits of training within the world of combat and mixed martial arts as compared to reg...

GOOD MORNING AND GREAT COFFEE! Ever gone to an event, the grocery store or another place of business, reach for your wallet and realize you have no cash? It's so easy to just pull out the card, swipe it and not realize how much you've actually used in a day/week. Hence the name of the podcast "Cash Is King". Matt Tarullo does a quick deep dive into the world of cash, why it&apo...

GOOD MORNING AND GREAT COFFEE! This episode's topic is not one that is easy to discuss, as it's a sensitive subject in general. The divorce rate is at 14.0 divorces per 1,000 married women in both 2020 and 2021.While this rate is the lowest level over a 40-year time span, it still shows that divorce can most definitely become a topic of conversation with couples after getting married. Ma...

GOOD MORNING AND GREAT COFFEE! BURST SESSION! Investment seesaw speaks for itself, but needs a little bit more of an explanation at the same time. Take a listen to what Mark Esslie has to say, and see below should you want to discuss further! If you want to reach out to one of our advisors for questions, suggestions or other, please call us at 1-844-444-YTYM, or email us at irontreefinancial.com....

GOOD MORNING AND GREAT COFFEE! As a society in general, we would be lost without the strength, guidance and support of women. Be in the work force, stay at home moms, single mothers working to support themselves and their children or entrepreneurs, women have broken through many thresholds to be where they are today, and continue to break through plateaus on a daily basis. We were honored to be ab...

GOOD MORNING AND GREAT COFFEE! Whenever children are involved in anything, as parents we want to make sure they are taken care of now and of course after we are no longer around. Doing this can take a lot of pre-planning, in regard to daycare, school, as they get older helping them with career advice, etc. Now add into the mix a child/children who may have a special need, and this can make it even...

GOOD MORNING AND GREAT COFFEE! BURST SESSION ALERT! Guess what time it is? TAX SEASON!!! Yep, that's right! The time where everyone starts to wonder if they're going to get a return, how much it costs to have taxes done and who to trust, as well as will they owe anything to the government. If you aren't already sweating and worried, I can keep going. :) Joking aside, our advisor Mat...

GOOD MORNING AND GREAT COFFEE! BURST SESSION ALERT! Let's hope you've had an extra cup of coffee, but if not grab one! Your IRA which was the talk of a recent YTYM is a big part of planning for retirement in most plans. But did you know that you can use qualified charitable distributions from your IRA? Mark Esslie takes a short but informative deep dive into this topic, and explains the...

GOOD MORNING AND GREAT BASEBALL! This week on YCYM, our resident football legend and advisor Matthew Tarullo and his business partner Mark Esslie had the chance to sit with a Major League Baseball player. Brian O'Keefe, a local South Colonie graduate, and an Albany native sat with the guys to discuss his career, starting from tee ball all the way to the majors! O'Keefe doesn't hold...

GOOD MORNING AND GREAT COFFEE! So, as you're sitting sipping your morning cup o' Joe, you might be wondering "what is an IRA"? Well, you wouldn't be alone in that question. An IRA is an individual retirement account that a person with earned income can use to save for later in life. But, even if you DID already know that, did you know that there are different types of thes...

GOOD MORNING AND GREAT COFFEE! Tax Brackets. Everyone loves 'em, am I right?! No? Wait, are you saying you don't know what tax brackets are? Well then, what are we waiting for? Let's dive in! This episode, Mark and Justin delve into the world of tax brackets, what they are, what is considered taxable income, etc. These and other questions will be answered as the guys do a deep dive...

GOOD MORNING AND GREAT COFFEE! Have you ever started a job, been looking into changing something at your bank, and been asked " do you want direct deposit?" regarding how your paycheck is given to you? It's a common question asked that a lot of people either choose to pick up a physical check and deposit it themselves, or they elect to us the option of direct deposit. But what about...

GOOD MORNING AND GREAT COFFEE! So, for the most part, we all have hearts (joke intended). That being said, we had the honor of having one of our guest speakers from last year's Women's Appreciation Event come in to speak: Dr. Suzie Mookherjee of the Albany Med Health System. Dr. Suzie is from a family of cardiologists, and she specializes in diagnostic non-invasive cardiology such as nuc...

GOOD MORNING AND GREAT COFFEE! When it comes to investing, planning for the future and just overall news, we often here about the S&P 500. As advisors, our team receives many questions about how is it important to what they are investing in, how does it effect the overall outcome and performance of their investments, etc. Mark and Matt take the time to discuss this sometimes confusing but impo...

GOOD MORNING AND GREAT COFFEE! Here we are, the last of our 3 part series on when to take Social Security! Hitting 70 years old is a milestone, and one that can coincide with some important financial and future decisions for you, your spouse and your family! In this final episode, Mark and Matt discuss the advantages of waiting to take your Social Security at age 70, how they can impact your futur...

GOOD MORNING AND GREAT COFFEE! Welcome! We are continuing down the informative road of Social Security, and when is the best time to take it. This week's episode our advisors Mark and Adam go into the reasons why taking Social Security and Full Retirement Age is the best option for some people compared to last week's discussion of taking it at age 62. There are many intricacies that go i...

GOOD MORNING AND GREAT COFFEE! Here's a quick "kick of reality" for you with your morning coffee....how old are you? is AARP starting to send you things in the mail? Getting close to retirement, or even better getting close to be able to collect Social Security? If your answer to the last question is "YES", then you should listen to this first episode of a series being rel...

GOOD MORNING AND GREAT FOOTBALL! This week on YCYM, our resident football legend and advisor Matthew Tarullo does a Snapshot episode for everyone who is either involved in or knows someone in college athletics. He discusses what NIL is, and how is can greatly affect the participant's financial future. For those who may not be "in the know", NIL stands for "Name, Image and Liken...

GOOD MORNING AND GREAT SOCCER! This week on YCYM, our guests were nothing short of amazing! Hannah Esslie and Mitchell Kazanjian are owner and coach(respectively) of The Hudson Valley Crusaders Women's Soccer Team. Matt and Mark talk with the young entrepreneur and newly acquired head coach about the changes to the program, what it's like to be an owner/player at the young age of 19, and...

GOOD MORNING AND GREAT COFFEE! Whelp, it's that time of year, where the snow starts falling, your pockets start emptying and gifts are wrapped under the tree. What else could you possibly need to make this season complete? A BLOOPER REEL! This is a small snippet into what a day in the studio looks like. Everyone participates in the craziness that ensues in the following video, so sit back, ha...

GOOD MORNING AND GREAT VOLLEYBALL! We had a very special guest this time around for YCYM! Victoria Dorsano is an amazing woman who started out in volleyball and ended up being able to help out people on a daily basis achieve their goals to better themselves! As an ACE Certified Health Coach and Behavior Change Specialist, Victoria is passionate about making lifestyle change an exciting endeavor fo...

GOOD MORNING AND GREAT FOORBALL! As a team, we like to look at ourselves as ones who help others, whether it be on the financial side or other. This fun podcast shows our other side! Matthew Tarullo and Mark Esslie went to the Section 2 Niskayuna All Star Game for the capital region, supporting how these elite athletes and their program allow them to grow both in character and as athletes. Take a...

GOOD MORNING AND GREAT COFFEE! So, I bet this morning when you woke up and started your daily routine, you thought to yourself "self, what is GPO?" I know I did! Well, joking aside, it actually will be worth your while to find this out! Mark Esslie does a burst session on GPO, explaining the importance for any Federal employee why understanding this can help you with your planning. Shoul...

GOOD MORNING AND GREAT COFFEE! Once in a great while, you get the chance to meet someone who has the ability to literally uplift and change your life. Our team had the very distinct privilege of being able to interview Phillip W. Koontz, U.S. Navy SEAL Combat Veteran and Motivational Leadership Speaker . Mark and Matt spent their time letting Phil discuss his journey into, through and after being...