Your Time, Your Money ™

GOOD MORNING AND GREAT COACHING! IT'S HERE! Our official release of the new portion of our educational series, Your Coach Your Money ! Matthew Tarullo will be releasing these videos between 4-5 times per year, focusing on athletes, how to help upcoming, college, semi- pro, professional and retired athletes prepare for the financial goals ahead while relating his own personal professional athl...

GOOD MORNING AND GREAT COFFEE! Here's a question for you on this fine morning. What if you woke up, and someone said to you "hey, guess what?! You've got money coming to you that you didn't even know about!" Well, this episode would be for you! Mark and Adam discuss what unclaimed funds are, where to search for them and how to claim them. There's a lot more detail tha...

GOOD MORNING AND GREAT COFFEE! When you wake up in the morning and get ready for your daily job, do you ever stop and think about being able to wake up knowing that you've ALREADY made money that day without even working? In this episode, Matt and Mark discuss the potential ways that this can happen with PASSIVE INCOME. Being able to earn an income is amazing, but having the ability and knowl...

GOOD MORNING AND GREAT COFFEE! When you think about going into any type of planning regarding your money, what's the first thing that comes to mind? I would bet it isn't a "robot" or any other automatic type of account management. But guess what? IT EXISTS!!!!   This week the guys delve into the positives and negatives of this type of money management, and why overall working w...

GOOD MORNING AND GREAT COFFEE! Have you ever been just sitting there, having your breakfast with a nice cup of coffee and thought "I wonder what a stock certificate is"? Well, me neither but either way you're about to find out! :) Mark does a quick burst session on the history of Stock Certificates and what they are, where they originated and why they are important. Take a listen an...

GOOD MORNING AND GREAT COFFEE! Remember back in the 90's and early 2000's when we all had the car with the latest stereo system, and had to make sure that it could at least hold 6 cd's in the player? Well, if that's the only "cd" you know about, then THIS IS YOUR EPISODE! The guys discuss what a cd is in the financial world, what it does to help your portfolio and how...

GOOD MORNING AND GREAT COFFEE! What is the number one thing you think of when the market goes down? How about when you change careers and have a retirement plan just sitting there in "space"? These along with many other situations can be reasons for the topics of conversation in this episode: reasons to call your advisor! The guys go over the obvious (to some) and the not so obvious reas...

GOOD MORNING AND GREAT COFFEE! Well, we had a great response from last week's episode, and decided to continue it into this week with "part 2" of investing terms. This week, Adam joins Mark to review some and add some new terminology to the investing discussion, broadening the scope of what things to discuss with a financial advisor, what to look for yourself and why both are import...

GOOD MORNING AND GREAT COFFEE! Investing. Everyone wants to do it, but many people don't necessarily understand the "lingo" behind it, what certain terms mean, and how they can affect your outcome regarding your future decisions for retirement. This episode the guys dive into this topic to be able to relay this information directly to you. With over 30 years of experience between th...

GOOD MORNING AND GREAT COFFEE! If you're out in the work world, and you have any type of savings plan, you likely know about IRA's. But, do you know about ROTH IRA's? How much can you contribute, what can you do with the money that goes in and when? Is any of it tax free? These questions are all answered and more in this quick burst session with Mark Esslie, founder and owner of The...

GOOD MORNING AND GREAT COFFEE! Life insurance is a subject that many people aren't comfortable discussing, as they find the conversation somewhat morbid. But did you know that there are many functions that it can be used for besides the loss of a loved one? And did you also know that children can and SHOULD receive life insurance at a really early age? In this discussion, the guys discuss the...

GOOD MORNING AND GREAT COFFEE! Being a business owner can be extremely overwhelming, but at the same time very rewarding. Throughout the ups and downs, there is one constant with this and life in general: taxes! The guys invite special guest Kevin O'Leary (no, not THAT one :) from Marvin and Company talks about owning a business, taxes, what to do and when to do it. If you've ever had an...

GOOD MORNING AND GREAT COFFEE! So, you're working at your job and they say they have a retirement plan. It's called a 401k, and you're like "what the heck is that?"! Well, this snapshot from Mark Esslie is all about it. some of the in's and out's, the things to look for and questions to ask yourself and your employer when dealing with this savings plan for the da...

GOOD MORNING AND GREAT COFFEE! So, as the old saying goes: "A New Year, a New Me". But how often do we stay true to this commitment? Some promises may last a couple months, while others last a few days. In this episode burst session, Mark Esslie discusses the importance of making a resolution that stays true to your financial future and setting realistic goals to be able to stay on track...

  EARLY RELEASE THIS WEEK! GOOD MORNING AND GREAT COFFEE! If you're getting close to the "Golden Years" or already there, you may have heard of those 3 letters that start floating around in conversations: RMD. What the heck is that, you may ask yourself. well, it stands for "Required Minimum Distribution", and that first word means it's extremely important! Take a lis...

GOOD MORNING AND GREAT COFFEE! If you've ever watched a UFC televised fight or been to Cage Wars in Schenectady, NY then you've most likely seen our guest for this episode. We had the distinct honor of having a very special guest sit in with our guys this episode: legendary MMA Official Dan Miragliotta! A lot of different topics were discussed throughout this half hour episode: from Dan&...

GOOD MORNING AND GREAT COFFEE! Here's a question for you. What's the one thing you always heard a coach say when you were playing a group sport? There is no "I" in TEAM. Well, this burst session hosted by our money coach Matthew Tarullo discusses exactly why it's important for him to be a part of such a strong team, and how it benefits the clients. Whether just starting ou...

GOOD MORNING AND GREAT COFFEE! The holidays are upon us, and everyone is of good cheer...especially the credit card companies! Many Americans spend too much money in general, and this tends to become even more evident around Christmas time! Matthew Tarullo takes this burst session to explain the importance of credit card maintenance, good credit and making sure to have your priorities straight in...

GOOD MORNING AND GREAT COFFEE! With the election season upon us, people often ask how it can affect their planning, investments and other parts of their financial future. This is the topic of the conversation along with other aspects of it that is discussed by Mark and Adam during this episode. Go down the reaction road and find out just how much elections and their results impact these and other...

GOOD MORNING AND GREAT COFFEE! Join our advisors Mark and Adam as they engage in a "burst session" about year-end strategies, and why it's important to always plan ahead going into the next year. Putting off anything, let alone your planning even the slightest can have potential long-term effects on things down the road. So, listen up and get ready with your questions! REMEMBER: LIV...

GOOD MORNING AND GREAT COFFEE! So many episodes, all in one way or another discussing working with and trusted financial advisor. But you may be asking yourself this question: what does an advisor do? Well, our guys delve into their world during the burst session to discuss just that! What is a financial advisor? How does one choose who would be the best advisor to work with? What is a fiduciary?...

GOOD MORNING AND GREAT COFFEE! Welcome to the world of indexing, ladies and gentlemen! In this episode, we have Matthew Tarullo and branch manager David Roche discuss those who are approaching retirement, and looking at how to approach growth, income, security and more. If you are close to or ever plan on retiring, this is an episode you should listen to. REMEMBER: LIVE WELL AND PLAN EVEN BETTER I...

GOOD MORNING AND GREAT COFFEE! HEY! GUESS WHAT?! THE MARKET IS DOWN!!! Wonder why I'm "shouting"? Because that's what most people are doing when the market goes down and have no planning or any idea what to do! This episode has Mark and Justin discussing just this sort of thing! What should you do ahead of a down market, while it's happening and why it's not always ne...

GOOD MORNING AND GREAT COFFEE! So Baby Boomers, this episode is for you! In case you were wondering, if you were born from 1946-1964, you're a Baby Boomer :) That being said, Mark and Justin discuss Social Security and the importance of knowing how much you will be getting, how to figure it out, when to take it(yes, you can choose) and more. So sit back with your coffee or other choice of bev...

GOOD MORNING AND GREAT COFFEE! In this episode, the title says it all! A common question that is always asked is how much insurance is enough? Do I really need it? What can it do for me long term and immediately? Mark and Adam tackle these questions and more during this "burst session" on life insurance and the reasons why it is one of the most important things you will ever consider for...