Your Time, Your Money ™

GOOD MORNING AND GREAT COFFEE! Around this time of year, many people begin to take a look at their own current situations and realize how blessed they really are. You don't have to be rich to be living a great life and to be happy. However, there are many people during the holidays and the year in general that don't have it as good as you or I might. This episode is one that is very clos...

GOOD MORNING AND GREAT COFFEE! One of the most avoided topics in today's society is what happens if I or someone I love gets sick? We all think to some degree that " that will never happen to me". But the sad reality is that one or more in a family will have to have some type of care at some point during their lifetime. Mark does a burst session regarding this topic, and the reasons...

GOOD MORNING AND GREAT COFFEE! Municiple bonds. Who doesn't love them, am I right?! Wait, you don't know what they are? Well, don't feel as though you're alone with this, many people don't know either. Mark takes the time during this burst session to explain what they are, how to utilize them and how these are an important piece of the planning pie. *If you want to reach o...

GOOD MORNING AND GREAT COFFEE! What is a health savings account? Is it something that is relevant to me, my family and/or our planning? What are the chances that someone will get sick and need extensive care? These and other questions are answered in this burst session with Mark Esslie as he delves into the unknown and often times not explored world of health savings, and why it truly is important...

GOOD MORNING AND GREAT COFFEE! How's your planning going? Not planning at all? What's your financial situation looking like? Does not knowing what your future regarding retirement looks like keep you awake at night? Mark does a burst session on how to try to be a bit more financially sound moving forward, and how to get started. He discusses strategies on how to plan and what steps to ta...

GOOD MORNING AND GREAT COFFEE! A day late, but not a dollar short! Speaking of being on schedule, what are your short- or long-term financial goals? Do you currently have one or both? Have you ever thought about the importance of having these? Mark and Adam discuss this very topic regarding why it is so vital to have this mindset and make short- and long-term financial goals. Please take the time...

GOOD MORNING AND GREAT COFFEE! When you go out shopping to a store, sit down with someone who you may use to purchase a home, or any other type of transaction you are looking for something: customer service. Many people make their decisions to purchase based on this alone, regardless of the product at hand. But there IS a difference between this and a client experience. In this episode, the guys d...

GOOD MORNING AND GREAT COFFEE! So, make sure you're sitting down for this one: THERE IS ONLY 94 DAYS LEFT UNTIL CHRISTMAS! Go ahead, breathe into a paper bag and do what you need to, we will wait... Anyways, like everyone who celebrates this holiday coming up, one of the main things that takes place is gift giving. This usually involves multiple people within a family and can become quite exp...

GOOD MORNING AND GREAT COFFEE! :) The number 72 is not normally a number used in too many areas of life, but most people don't realize just how relevant it can really be! This episode Mark discuss just how important it really is, and how when combined with 30 and 50 it can be extremely important. Financially speaking, these numbers are a way for knowing where you stand, and the "formula&...

GOOD MORNING AND GREAT COFFEE! How's your current job going? Have you ever thought about a career change? This episode might be the one for you to really take a listen to! Mark and Adam discuss the process of potentially coming a financial advisor, the different steps that you would need to take, the up's and down's that come along with the position and the tests needed to become fu...

GOOD MORNING AND GREAT COFFEE! On this episode of "YOUR COACH, YOUR MONEY", we had a little fun. No actual topics, just a day at The Saratoga Racecourse, meeting some wonderful people and hanging out with Pierre LeBlond from our previous episode! Tarullo went into another of our previous guest's businesses to get a vitamin infusion to see how it would be helpful for athletes as well...

GOOD MORNING AND GREAT COFFEE! On this episode of "YOUR COACH, YOUR MONEY", we had the pleasure of having NHL great Pierre LeBlond. With his career spanning over 12 years, he was known as "the fighter", rarely hitting the ice when scrapping. Mark and Matt discuss LeBlond's career, as well as his current one working as a local real estate agent with Coldwell Bankers. They t...

GOOD MORNING AND GREAT COFFEE! 4 words that nobody ever wants to hear if you are married are "I want a divorce". Sometimes you know it's coming, and sometimes it just completely blindsides you. This week Matt, Adam and Justin from the team discuss this sensitive topic. 3 main topics include: what happens to your 401k(or ESP), how does divorce effect your Social Security and what is...

GOOD MORNING AND GREAT COFFEE! So as the title asks: "you won the lottery. Now what?" This is a question that is probably on the minds of the millions of people currently playing the lottery in hopes of hitting the "big one". Currently, it stands at $1.25 BILLION DOLLARS . Imagine if you shared in winning this, or better yet were the sole winner of this amount of money. The guy...

GOOD MORNING AND GREAT COFFEE! You've got questions, we've got answers: PART 2 :) We continue to have people call and write in with specific questions that they are looking for answers to, and we are more than glad to pass on the information to everyone else as well! This week, Mark and Adam tackle a few of these, so keep them coming for us, and we'll keep the answers coming for you...

GOOD MORNING AND GREAT COFFEE! What's a dividend? If you think it has something to do with a company, something about shareholders and don't know anything else, you aren't alone. The guys go into what a dividend is, what it has to do potentially your retirement and how to use it for investing. This is an episode you will want to definitely take notes on! *If you want to reach out to...

GOOD MORNING AND GREAT COFFEE! If you get a text message from your bank saying "your account has been hacked, please click the link to view your account", what do you do? Is it legit or a scam? How do you tell what the difference is, who's trying to get your information or if a company is actually trying reach you? The guys discuss this in detail regarding what to look out for, the...

GOOD MORNING AND GREAT FOOTBALL! :) Well, one of our most anticipated interviews is finally here! his career resume speaks for itself, but what stands out most is "The Helmet Catch". We of course are talking about our guest David Tyree of The NY Giants! Matt and Mark sit with David to discuss his career, what he's doing now that he has retired from pro football, and the impact he ha...

GOOD MORNING AND GREAT COFFEE! Having been part of the Educational Video/Audio Podcast world for over a year now, we have started to receive questions regarding topics that have been discussed throughout this time. Some write in, a couple call ins as well, and this episode approaches those directly! Tarullo takes a solo approach this week in answering these questions, and discusses topics from whe...

GOOD MORNING AND GREAT COFFEE! I bet you never knew that there was a part of planning that you can do that involves the environment. Well, there is! It's called "ESG", and it stands for environmental, social, and governance. Mark and Adam dive into what ESG stands for in regard to your planning and how you can utilize it if it fits your personal beliefs and benefits. Take your time...

GOOD MORNING AND GREAT COFFEE! If you have a pulse and have ever spoken to anyone at all, you've probably been told to do something regarding budgeting within your life. But how important is it really? Is it a necessity or just something people with "a lot of money" do? The guys take a deep dive into this topic, and tell you exactly why it IS important for EVERYONE to do within thei...

GOOD MORNING AND GREAT COFFEE! Do you have children? If not, planning on ever having any and having them enter the work force at some point? Well, it may come a s a surprise to you, but children can have some planning tools just like us big folks! Adam and Mark discuss custodial ROTH IRA's, their importance in planning for a future, how they are acquired, used, and the in and outs of these sp...

GOOD MORNING AND GREAT COFFEE! If you're getting older (like all of us are), and you're starting to wonder what the heck is Medicare and why would it have anything to do with me, then this is your episode! The guys take a deep dive with our special guest CANDY MARRERO from CAPITAL REGION MEDICARE SPECIALISTS , discussing all of the in and out's of this process, what it means for you...

GOOD MORNING AND GREAT COFFEE! This episode discusses something not talked about enough throughout the financial world as it relates to planning. Tactical money management is a strategy that should be something that is looked into on both sides, the consumer and the advisor. The guys delve into this topic, talking about the basic in's and out's, what to discuss when you sit down with som...

GOOD MORNING AND GREAT COFFEE! This year marked The Esslie Group's 2nd Annual Women's Recognition Event. When this idea came about, it was to recognize the fact that women have such an impact on day-to-day life, let alone the achievements that they are accomplishing throughout our society. We wanted to be able to thank and educate at the same time, as statistically it is proven that less...