The Money Alchemist Podcast

Art Of A Good Realtor: How To Thoughtfully Construct An Attractive Offer In A Competitive Real Estate World Ft. Todd Finch

Join Brent and special guest Todd Finch as they sit down to talk about real estate. Why now may be a good time to buy, and what you can do to be more effective when buying your next home.
 
For more questions, email us at Trevor@nwmgadvisors.com
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Special Guest: 
Todd Finch - Realtor 
513-785-9994
Tfinch@comey.com
 
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Infinite Wealth Planning:
www.InfiniteWealthPlanning.com
National Wealth Management:
www.nwmgadvisors.com
 
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To support the podcast, we'd really appreciate if you follow us!
 
Instagram: https://www.instagram.com/moneyalchemistpod/
X: https://twitter.com/moneyalchpod 
Facebook: https://www.facebook.com/profile.php?id=61556458987483 
 
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Disclosure:
 
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Brent Gargano is not affiliated with LPL Financial.
 
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
 
Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.
 

Schooling America: Education Preferences Are Changing, And So Are The Funding Strategies

Ben and Brent take a stroll across the shifting landscape of education in the US.  The demand for private education is increasing as popular college funding plans become much more flexible.  College tuition inflation seems to have hit some resistance as high school graduates become more discerning.  Things are changing and mostly for the better!  
 
Join your hosts of The Money Alchemists podcasts to learn more about the state of education in America. 
 
For more questions, email us at Trevor@nwmgadvisors.com
 
Infinite Wealth Planning:
www.InfiniteWealthPlanning.com
National Wealth Management:
www.nwmgadvisors.com
 
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To support the podcast, we'd really appreciate if you follow us!
 
Instagram: https://www.instagram.com/moneyalchemistpod/
X: https://twitter.com/moneyalchpod 
Facebook: https://www.facebook.com/profile.php?id=61556458987483 
 
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Sources:
College costs:
https://www.bestcolleges.com/research/college-costs-over-time/#:~:text=The%20average%20cost%20of%20college,1963%20to%20%2414%2C307%20in%202021.&text=That's%20accounting%20for%20inflation.
 
History of 529:
https://www.collegesavings.org/history-of-529-plans
 
Ohio EdChoice:
https://education.ohio.gov/Topics/Other-Resources/Scholarships/EdChoice-Scholarship
 
College Tuition Lookup:
https://www.collegeboard.org/college-cost-calculator
 
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Disclosure:
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Brent Gargano is not affiliated with LPL Financial.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
 
Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.
 

America Can’t Retire : The State of Retirement in America

Ben and Brent dive deep into Vanguard’s 31-page study on America’s retirement readiness released in 2023. The news isn’t great, as the title of the episode implies. Most Americans will be forced to make less-than-comfortable decisions during their golden years to keep solvent. They discuss what this means for people in this situation and what investors can do today to set themselves up for a retirement full of options.  
 
In today’s episode, we talk about:
How much to people need?
How much to people have?
Why the difference? 
What can you do to be successful?
 
For more questions, email us at trevor@nwmgadvisors.com 
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To support the podcast, we'd really appreciate if you follow us!
 
Instagram: https://www.instagram.com/moneyalchemistpod/
X: https://twitter.com/moneyalchpod 
Facebook: https://www.facebook.com/profile.php?id=61556458987483 
 
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Sources:
Vanguard Study:
https://corporate.vanguard.com/content/dam/corp/research/pdf/the_vanguard_retirement_outlook.pdf
https://www.cnbc.com/2023/06/03/fidelity-how-much-americans-have-in-their-401ks-at-every-age.html
 
Fidelity Guide to retirement savings:
https://www.fidelity.com/viewpoints/retirement/retirement-guidelines#:~:text=Fidelity's%20estimate%20is%20to%20save,my%20savings%20cover%20in%20retirement%3F
 
Retirement Savings Needed by Age:
https://am.jpmorgan.com/us/en/asset-management/protected/adv/insights/retirement-insights/guide-to-retirement/
 
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Disclosure:
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Brent Gargano is not affiliated with LPL Financial.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Stock investing includes risks, including fluctuating prices and loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Mortgages are not available through LPL Financial.
Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.

Vote Red, Blue or...Green?

Election season is upon us and the question plaguing investor minds is: what should I do in reaction to outcome “X” or outcome “Y”.  Brent and Ben tackle this question head on and discuss what some of the ramifications of the election could be. 
 
While culturally impactful, as it pertains to which flavor of freedom you want, the economic ramifications do not justify a radical shift in investing principles.  Keep your head clear, your chin up, and stay focused on the wondrous spirit of human innovation.
 
For more questions, email us at trevor@nwmgadvisors.com 
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Market Data Sourced By:  
 
YCharts:
https://go.ycharts.com/hubfs/Guide_to_How_Presidential_Elections_Impact_the_Stock_Market.pdf
 
LPL research 
https://www.lpl.com/research/blog/presidential-cycle-still-supportive-of-stocks.html
 
Invesco:
‘https://www.invesco.com/us/en/insights/market-performance-2024-presidential-election.html
 
https://eng11e.seismic.com/i/nLytFJxppKy5JwY3XuwLjOdWqOLhIof4957NNVOmvMqTDpeHHkamxivuHxfPp5UoPLUSSIGNfJm7Vd___EbU___nO2gcPDv9VdPLUSSIGNgJAfE5va92y2kLgtapQTm90NdXJaZEhD0Dz7hAK7 
 
Economic Data Sourced By:
 
Jolts Data:
https://www.bls.gov/jlt/latest-numbers.htm
 
Fiscal Data (treasury.gov)
https://fiscaldata.treasury.gov/americas-finance-guide/government-revenue/
https://fiscaldata.treasury.gov/americas-finance-guide/federal-spending/#:~:text=Spending%20Trends%20Over%20Time%20and,the%20United%20States%20that%20year.
Income Wage Gap: JPMorgan Guide to the Markets
 
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Disclosure: 
 
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Brent Gargano is not affiliated with LPL Financial.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Stock investing includes risks, including fluctuating prices and loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Mortgages are not available through LPL Financial.
Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.
 

How Small Business Owners Can Accelerate Growth With Anthony Lewis (Part 3 of 3)

Ben and Brent team up with a local tax planning and business consulting powerhouse, Anthony Lewis, for a three-episode series on small business planning in the post-COVID environment.  
 
Kirsch CPA - https://kirschcpa.com/
 
____________________________________________________
 
Disclosure: 
 
Securities offered through LPL Financial, Member FINRA/SIPC.  Advisory Services offered through National Wealth Management Group, LLC, A Registered Investment Advisor and separate entity from LPL Financial LLC.
The content shared in this podcast by Kirsch CPA Group is based on our own experiences, research, and opinions, and it may not be suitable as professional or expert advice. We highly recommend consulting with qualified experts or professionals when making important decisions related to the topics we discuss. Your individual circumstances and needs may vary, and what works for one person may not necessarily work for another.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Anthony Lewis is not affiliated with LPL financial Brent Gargano is not affiliated with LPL Financial.  Kirsch CPA Group, Infinite Wealth Planning nor National Wealth Management Group, LLC is affiliated with LPL Financial. 

How Small Business Owners Can Accelerate Growth With Anthony Lewis (Part 2 of 3)

Ben and Brent team up with a local tax planning and business consulting powerhouse, Anthony Lewis, for a three-episode series on small business planning in the post-COVID environment.  
 
Kirsch CPA - https://kirschcpa.com/
 
____________________________________________________
 
Disclosure: 
 
Securities offered through LPL Financial, Member FINRA/SIPC.  Advisory Services offered through National Wealth Management Group, LLC, A Registered Investment Advisor and separate entity from LPL Financial LLC.
The content shared in this podcast by Kirsch CPA Group is based on our own experiences, research, and opinions, and it may not be suitable as professional or expert advice. We highly recommend consulting with qualified experts or professionals when making important decisions related to the topics we discuss. Your individual circumstances and needs may vary, and what works for one person may not necessarily work for another.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Anthony Lewis is not affiliated with LPL financial Brent Gargano is not affiliated with LPL Financial.  Kirsch CPA Group, Infinite Wealth Planning nor National Wealth Management Group, LLC is affiliated with LPL Financial. 
 

How Small Business Owners Can Accelerate Growth With Anthony Lewis (Part 1 of 3)

Ben and Brent team up with a local tax planning and business consulting powerhouse, Anthony Lewis, for a three-episode series on small business planning in the post-COVID environment.  
 
Kirsch CPA - https://kirschcpa.com/
 
____________________________________________________
 
Disclosure: 
 
Securities offered through LPL Financial, Member FINRA/SIPC.  Advisory Services offered through National Wealth Management Group, LLC, A Registered Investment Advisor and separate entity from LPL Financial LLC.
The content shared in this podcast by Kirsch CPA Group is based on our own experiences, research, and opinions, and it may not be suitable as professional or expert advice. We highly recommend consulting with qualified experts or professionals when making important decisions related to the topics we discuss. Your individual circumstances and needs may vary, and what works for one person may not necessarily work for another.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Anthony Lewis is not affiliated with LPL financial Brent Gargano is not affiliated with LPL Financial.  Kirsch CPA Group, Infinite Wealth Planning nor National Wealth Management Group, LLC is affiliated with LPL Financial. 
 

How to Be An Advisor

In this episode, Ben and Brent take a trip down memory lane, reminiscing on their personal journeys that led them to careers in the financial services industry.  The industry has changed substantially since they entered the business, prompting them to consider how young professionals today can pursue a financial services career.  
 
Disclosure:
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Brent Gargano is not affiliated with LPL Financial
 
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise, and bonds are subject to availability and change in price. Stock investing includes risks, including fluctuating prices and loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Mortgages are not available through LPL Financial.
 
Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.

The Equity for Liquidity Tradeoff

Ben & Brent join you this week, navigating different perspectives on how to view the asset almost all of us have, our homes. 
 
Join us for a blend of insightful discussions and the occasional touch of dry humor.
 
Disclosure:
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation. Brent Gargano is not affiliated with LPL Financial
 
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Stock investing includes risks, including fluctuating prices and loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Mortgages are not available through LPL Financial.
 
Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.