Your Time, Your Money ™

GOOD MORNING AND GREAT COFFEE! It's a topic that many don't want to have to face or discuss, and is certainly one that doesn't get talked about enough. LTC, or Long Term Care is something that we as human beings always think will "never happen to me" or "my parent(s) won't need that, they're healthy". The hard truth is not knowing about it or how to pre...

GOOD MORNING AND GREAT COFFEE! Beneficiaries. Banking. Both start with the letter "B" and both are equally important to understand how they go hand in hand in many regards! Many times, people don't understand the importance of making sure their beneficiaries are on their bank accounts in case the pass suddenly, what a TOD is, and many more aspects that goes into the planning process...

GOOD MORNING AND GREAT COFFEE! "I'm sorry, you weren't approved". Words that makes anyone's stomach. Credit is one of the most important parts of a person's life, starting at an early age straight through retirement. If you want a home, a new vehicle or to even start a business, then having good to excellent credit is a necessity. Mark and Adam welcome special guest S...

GOOD MORNING AND GREAT COFFEE! Cash! A favorite word of most people. But who knew it could be balanced?! Joking aside, this episode delves into what a cash balancing plan is, and how small businesses and/or corporations can use this to help with their planning. With special guest Brian Larson from Sage Advisory to help navigate this topic, the guys discuss how corporations should learn whether or...

GOOD MORNING AND GREAT COFFEE! This week, we have a short but informative show with guest Justin Fillipone regarding being a first time teacher! Along with Matthew Tarullo, they discuss the in's and out's of this topic: from what your retirement plan is, to how they operate and what should be discussed when starting one up! Debt and just basic needs being taken care of are also on the ep...

GOOD MORNING AND GREAT COFFEE! So, do you ever wake up from sleeping in night sweats and wonder "can I retire"? Well, worry no more! This episode, Mark and Adam discuss this very topic which literally every person at some point in their lives wonders about. From how to start preparing to knowing when the timing is potentially right, questions are addressed and put to rest(see what I did...

GOOD MORNING AND GREAT COFFEE! Today we thought we would change it up a little bit and show you another side of our team. As Mark Esslie will explain, we take pride in focusing on many different aspects of planning and needs that aren't always being met. One of those that was brought to our attention was the lack of planning with and for women in general. Please take the time to watch and lis...

GOOD MORNING AND GREAT COFFEE! When looking into planning, there are many methods and approaches that people should be made aware of. One such method or strategy is buffering! The guys discuss what it is, what buffered products are, and how and why they work in different scenarios. Although this episode is a little shorter than others, the information within may be just as important if not more so...

GOOD MORNING AND GREAT COFFEE! Well, let's see. It's already mid-July, and your kid is about to become a junior or senior in high school in a month and a half. What's looming around the corner? COLLEGE! Luckily for you, we've got the expert for you to listen to in order to answer questions you already have or may not know you're going to be asking! Our guys meet with Dr. D...

GOOD MORNING AND GREAT COFFEE! The guys are back at it this week with special guest Michael Rankin from ClearPath Mortgage Solutions. The discussion goes from understanding the mortgage process to the reasons for refinancing and everything in between. Also, a large focus is centered around our veterans and the types of loans that they can use for their service to our country. Please listen to this...

GOOD MORNING AND GREAT COFFEE! So, here's one that most people have never heard of before, unless you've spoken to or listened to an advisor: THE FOUR QUADRANTS! What are they? Income Distribution, Income Protection, Asset Protection, Wealth Transfer. This episode brings in our other advisor Adam Jones to discuss these with Mark, and how to strategically approach them with an advisor. As...

GOOD MORNING AND GREAT COFFEE! This episode has the guys talking about something that is not discussed too often/often enough: generational investing. What is it? Take your beneficiaries , and think about what you would leave them. Would it be property? Just money? What legal documents are needed to do these or other things? What's the affect on kid's college aid? These are just some thi...

GOOD MORNING AND GREAT COFFEE! Did you ever wake up and go "I wonder what the difference is between a stock and a mutual fund"...Well, if you have(or even if you haven't), it's time to listen to the episode that discusses these and more: INVESTMENT BASICS! Mark and Matt discuss the in's and out's of planning using bonds, mutual funds, correlated vs non-correlated asse...

GOOD MORNING AND GREAT COFFEE! Have you or someone you know ever been in an accident before? The guys meet with special guest Paul Harding in this episode to discuss the ways that accidents can potentially change your life forever. Topics discussed include the ins and outs of personal injury, not knowing your policies and how it can effect you. If you've ever had any questions about what to d...

GOOD MORNING AND GREAT COFFEE! Could this episode be ANY more perfect for what's currently happening in the market? I THINK NOT! :) Our guys explore the world of inflation, and the many different aspects of it. From not using the "bucket strategy" and why this is potentially dangerous to being afraid of investing, this episode will answer pretty much any question anyone has had abou...

GOOD MORNING AND GREAT COFFEE!  So, what is Estate Planning? Is it enough to have just a will in place? Does this replace and Estate Plan or do you need more? Most people don't know what an Estate Plan is, let alone how important it can be when planning for the future of their family. The guys speak with special guest Jane-Marie Schaeffer this week from The Herzog Law Firm to answer questions...

GOOD MORNING AND GREAT COFFEE! So, with the world and the market being the way it currently is, this is the perfect episode to listen to in regards to investing and why keeping emotions out of it are so important. Hypothetical situations are discussed with our special guest Mitch Solomon who has 24 years of experience in the industry and why making emotional decisions can negatively impact your pl...

GOOD MORNING AND GREAT COFFEE! This episode is a follow up from last week's and a different perspective on real estate and the different nuances from an agent's perspective. The guys have brought in one of the leading agents in the Capital District, Jamie Mazuryk from CM Fox to discuss her journey from law enforcement to being a successful agent. Everything is on the table in this one, f...

GOOD MORNING AND GREAT COFFEE! In this episode, the guys are joined by Mark's brother Michael of Esslie and Frenia P.C. The discussion centers around real estate, the beginning processes and things to look out for when you find "THE" house and different circumstances and potential issues to be aware of and look out for. From wells and septic to lenders and what they look for in a fi...

GOOD MORNING AND GREAT COFFEE! Exciting doesn't even begin to describe this week's show. Our first ever off-site location brought us to a place where childhood dreams are made of, engines roar and history is felt. Welcome to The Hangar At 743! Mark sat down with President and Owner David Prescott to discuss his entrepreneurial road from childhood through today, his many different adventu...

GOOD MORNING AND GREAT COFFEE! On this week's episode, the guys dive into the world of pension option planning! Many professions receive a pension as part of their retirement, from police officers to state workers and others. There are many internal intricacies that are often not known when signing up for this plan as well as when someone is about to retire which will be touched on throughout...

GOOD MORNING AND GREAT COFFEE! This episode introduces another new face from the team along with a special guest! From behind the cameras and soundboard, Matthew Byers sits with Mark Esslie and special guest Melissa Mantei, President and CEO of The Northeast Kidney Foundation this week to discuss Charitable Giving, the importance of why it is necessary to give to these organizations, the benefits...

  GOOD MORNING AND GREAT COFFEE TO EVERYONE! In this episode, the guys discuss what diversification is within a portfolio as well as why it is important to consider when talking with an advisor. They also delve into why stocks vs bonds may not be enough anymore in this current market and moving forward, and what questions people should be asking when discussing their plans with a financial profess...

GOOD MORNING AND GREAT COFFEE TO EVERYONE! In this episode, we introduce our other advisor Adam Jones into the mix to discuss the always important works plans. 401k and retirements plans, what to do if they aren't available, and how to maximize what you do have at your company. They also delve into the world of ROTH IRA's and how they can sometimes be incorporated within a plan itself. T...

Time for that coffee and your weekly show! In this episode, our guys go through the ins and outs of retirement. They discuss the many different questions they hear when sitting with people, and tackle some overall topics such as inflation, longevity, taxes, fixed income, and the unforeseen.  If you are just beginning work, somewhere in the middle of or close to retiring and wonder if you will be a...