Category Archives: Investing

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Episode 9 – Mortgage 101 with Guest Nick Marenoski



Most Americans will face a mortgage at some point in their lives. Make sure you understand the basics of your mortgage. 

In this episode of The Utilization of Money Podcast, Todd Levine speaks with NIck Marenoski of Getarate, a tech-based mortgage lender and expert in ethical lending by educating, protecting, and empowering clients through affordable home ownership. They chat about “mortgage 101”, and share everything you need to know. 

In this episode, you will learn:

  • What you should look for when hiring a mortgage broker
  • The types of mortgages and what sets them apart
  • What a mortgage looks like for rental properties
  • How to know what type of mortgage is right for you
  • The level of credit you need to qualify for your first mortgage
  • And more!

Tune in to learn the basics of mortgages!

Resources:  Levine Financial Group

2020-97755 Exp. 3/22


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Episode 8 – Weighing the Possible Advantages and Disadvantages of 401(k)s: Part 3



If a 401(k) is a part of your retirement savings plan, are you confident it’s working properly for you and your goals for the future?

In this episode of The Utilization of Money, Todd Levine caps off his three-part 401(k) series that highlights the potential advantages and downfalls of this savings vehicle. 

In this episode, you will learn:

  • The importance of understanding the rules of required minimum distributions
  • Why you need to be aware of the consequences of inheriting an IRA
  • How to ease the pain of Uncle Sam’s reach
  • And more!

Tune in and learn how to get the most out of your 401(k)!

Resources:  Levine Financial Group | Part One | Part Two

Starting Jan 1, 2020 the minimum distribution age was changed to age 72.

AR Insurance License #15670742 and CA Insurance License #0H01258.  2019-91302 Exp. 12/21

Todd Levine registered representative and financial advisor of park Avenue securities LLC, PAS security products and advisory services offered through PAS, member R a S. IPC. Financial representative of the guardian life insurance company of America, guardian, New York, New York. PAS is an indirect, wholly owned subsidiary of guardian.

Levine Financial group is not an affiliate or subsidiary of PAS or guardian.  Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation.

Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. 

 


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Episode 7 – Weighing the Possible Advantages and Disadvantages of 401(k)s: Part 2



If a 401(k) is a part of your retirement savings plan, are you confident you have it working properly for you and your goals for the future?

In this episode of The Utilization of Money, Todd Levine delves into the potential disadvantages of having a 401(k) as part of your retirement planning. There is much to know about these 401(k)s and a decision made without having all the information could have a lasting effect on your financial future.

In this episode, you will learn:

  • How the lack of liquidity in a 401(k) can severely impact your money-making choices
  • In what ways your investment options are limited 
  • How hidden fees can erode your overall growth
  • And more!

Tune in and learn how to get the most out of your 401(k)!

Resources:

Levine Financial Group | Part One | Part Three

Todd Levine registered representative and financial advisor of park Avenue securities LLC, PAS security products and advisory services offered through PAS, member R a S. IPC. Financial representative of the guardian life insurance company of America, guardian, New York, New York. PAS is an indirect, wholly owned subsidiary of guardian.

Levine Financial group is not an affiliate or subsidiary of PAS or guardian.  Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation.

Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. 

A loan or withdrawal reduces the benefits in the life insurance policy and may cause a taxable event. Talk to your financial professional in regards to your specific situation. 

AR Insurance License #15670742 and CA Insurance License #0H01258. 2019-90904 Exp. 12/21


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Episode 6 – Weighing the Possible Advantages and Disadvantages of 401(k)s: Part 1



If a 401(k) is part of your retirement savings plan, are you confident that you have it working properly for you and your future goals?

In this episode of The Utilization of Money, Todd Levine elaborates on all of the potential advantages of using a 401(k) and how to ensure it’s evolving to meet your needs.

In this episode, you will learn:

  • How to maximize your savings in a 401(k)
  • How, if done correctly, tax savings could be another benefit
  • How to find the right 401(k) plan for your future needs
  • And more!

Tune in and learn how to get the most out of your 401(k)!

Resources:

Levine Financial Group | Part Two | Part Three

AR Insurance License #15670742 and CA Insurance License #0H01258

2019-9090          Exp. 12/21

Todd Levine registered representative and financial advisor of park Avenue securities LLC, PAS security products and advisory services offered through PAS, member R a S. IPC. Financial representative of the guardian life insurance company of America, guardian, New York, New York. PAS is an indirect, wholly owned subsidiary of guardian.

Levine Financial Group is not an affiliate or subsidiary of PAS or guardian.  Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation.

Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation.


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Episode 5 – Own Your Top 5 Financial Resolutions



It’s a new year, and that means it’s the perfect time to reflect on your goals and aspirations for your finances for the next 12 months. 

In this episode of The Utilization of Money, Todd Levine shares the top five goals that he believes clients should reach for in 2020.

In this episode, you will learn:

  • Why you should focus on organizing the “junk drawer”
  • How to assess your savings goals to see if you are maximizing your capacity
  • The importance of being disciplined in your approach to budgeting
  • Reasons to work with a financial professional 
  • And more!

Tune into this episode of The Utilization of Money to start setting goals for 2020!

Resources:  Levine Financial Group

2020-92544 Exp 01/22


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Episode 4 – Become a World-Class Saver



In the world of finance, everyone seems to be concerned with rate of return on investments, rather than focusing on saving. 

In this episode of The Utilization of Money Podcast, Todd Levine reveals how he helps clients improve their discipline and become world-class savers. This conversation will empower you to start paying yourself first. 

In this episode, you will learn:

  • The six tricks to focus on when it comes to saving
  • How to create savings goals 
  • What the re-engineering process is like at Levine Financial Group
  • Why you should have a separate “wealth accumulation account”
  • And more!

Tune in and learn how to become a world-class saver!

Resources:  Levine Financial Group

 

2019-89771 Exp. 11/21


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Episode 3 – What Does The Living Balance Sheet Say About You?



The initial meeting at Levine Financial Group is a completely comprehensive look at a prospect’s financial situation, their current plan, and what goals they want to meet. 

In this episode of The Utilization of Money, Todd Levine describes the next steps he takes with clients once they’ve agreed to work together, and he uncovers how he uses The Living Balance Sheet to help them reach their financial goals.

In this episode, you will learn:

  • About the agenda for the second meeting with a client
  • What The Living Balance Sheet is and why it’s critical for creating a financial plan 
  • Why The Living Balance Sheet is so effective for Levine Financial Group
  • What other financial tools are used by the team at Levine Financial Group
  • And more!

Tune into this episode to discover what you could learn from The Living Balance Sheet!

Resources:  Levine Financial Group

Todd Levine, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Levine Financial Group is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 


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Episode 2 – The Levine Financial Group Experience



What would it be like to work with Levine Financial Group? You’re about to find out.

Join Todd Levine as he gives you an exclusive look at what it’s like to be a client. If you’ve ever wondered what it’d be like to have a team of financial planning experts on your side, this is the show for you.

In this episode, you will learn:

  • How Levine Financial Group grows its client base
  • About the soft steps that are taken to help prospects feel comfortable
  • What you can expect from the team 
  • What is expected of you as a client
  • And more!

Tune in now to learn about the Levine Financial Group. If you are all in, they are all in!  

Resources:  Levine Financial Group | Email

Todd Levine, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Levine Financial Group is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

2019-86268 Exp. 9/21


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Episode 1 – Meet Your Host, Todd Levine



Welcome to The Utilization of Money Podcast! 

In this inaugural episode, you will meet Todd Levine, founder of Levine Financial Group. Listen to this energetic conversation and get to know Todd both professionally and personally. 

In this episode, you will learn:

  • What led Todd into the finance industry (and what prompted him to venture out on his own)
  • About his passions for his clients and community
  • About the Levine Financial Group team
  • What Todd would do if he had all the money in the world
  • And more!

Tune in now to learn about your host, Todd Levine, and the Levine Financial Group!  

Resources: Levine Financial Group | Email

Todd Levine, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Levine Financial Group is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 2019-85817 Exp. 9/21