Tag Archives: Finance

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Episode 18 – Build a Plan That Works for You



Is your financial plan working for you and your current and future goals?

Ben Duronio walks us through the client process at Levine Financial Group. He explains how new client relationships begin, and the focus of new financial plans for clients.

In this episode, you will learn:

  • What the first call with a client looks like
  • The importance of planning according to your goals
  • The benefit of keeping everything together 
  • The importance of consistently updating your financial plan
  • And more!

Tune in now to discover the planning process with Levine Financial Group!

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 17 – Are You Drowning In Student Debt?



Is it better to pay off your student loans quickly or balance your savings and make smaller payments?

Ben Duronio takes a deep dive into student loans and how he advises his clients. He reveals the importance of balancing your financial plan between paying off your debt and creating an emergency fund. 

In this episode, you will learn:

  • The importance of paying your student loans steadily instead of quickly
  • How to refinance your student loans
  • The importance of balancing your finances
  • How taxes affect student loans
  • And more!

Tune in now as Ben Duronio discusses the variety of factors to think about when paying off your student loans.

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 16: The What and How of Guaranteed Income



When it comes to planning for retirement, it’s important to understand your guaranteed income stream.

In this episode, Michael Karlin discusses the importance of creating a retirement plan with an understanding of your guaranteed income stream, including recent changes, and how it may impact your retirement.

In this episode, you will learn:

  • What a guaranteed income is
  • How guaranteed income has changed through the years
  • The importance of creating a retirement plan with a professional
  • The dangers of relying on certain assets
  • And more!

Join now to discover what you never thought about for your retirement plan!

Resources:  Levine Financial Group 

 


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Episode 15: Protecting Your Income



Do you know what your greatest asset is? If we told you it was your ability to earn an income, would you know which steps you are taking to protect it?

In this episode, Ben Duronio discusses income protection and the idea that your ability to earn an income is your most valuable asset. 

In this episode, you will learn:

  • How income protection can benefit you
  • How disability insurance works and how it can impact your life
  • What could happen if you are unable to work
  • The importance of getting insurance early and to the fullest extent
  • And more!

Listen now to hear the importance of protecting your greatest asset—your income!

Resources:  Levine Financial GroupThe Utilization of Money Podcast

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 14 – The Living Balance Sheet — with Michael Karlin



At Levine Financial Group, one of the major tools we use when working with clients is the living balance sheet. But what sets this tool apart from others, and how does it differ from a regular balance sheet?

In this episode of The Utilization of Money Podcast, guest host Michael Karlin explains the living balance sheet in greater detail, sharing the benefits of utilizing this financial tool. 

In this episode, you will learn:

  • Why Levine Financial Group utilizes the living balance sheet
  • Examples of past clients and how they’ve used the living balance sheet for protection purposes
  • The importance of keeping an open mind (remember: knowledge is true power)
  • How to tell if you really have enough saved for your retirement plans
  • And more!

Tune in to learn about the living balance sheet!

Resources:  Levine Financial Group |  Michael Karlin LinkedIn


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Episode 13 – Don’t Fall Into the Gap



The current global landscape feels scary for a lot of people. So much is unknown and there seems to be pressure to accomplish something with your “extra” free time, causing many to “fall into the gap” and avoid productivity. 

In this episode of The Utilization of Money Podcast, Todd Levine explains the importance of focusing your mindset throughout this period of social distancing and how to change your relationship with your time. 

In this episode, you will learn: 

  • How reflection on your accomplishments will help you feel better
  • Steps you can take to reset your mindset
  • What “daily wins” are and how to establish this practice in your own life
  • How to identify your triggers and the ways to avoid them
  • How to stay motivated to achieving your goals 
  • And more!

Tune in to learn how to avoid falling into the gap during the COVID-19 crisis.

Resources:  Levine Financial Group

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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 12 – The Many Uses for Whole Life Insurance – Part Two



Did you know that life insurance is referred to as “the gift of a lifetime”?

In part two of this mini-series, Todd Levine dives deeper into whole life insurance and shares some examples of how clients have used whole life insurance in the past. 

In this episode, you will learn:

  • The ways to use whole life insurance outside of a pure protection play
  • How you can use life insurance to “borrow from your own bank”
  • The flexibility that comes with life insurance as an asset
  • What self-completing plans are and how they can help you when you lose your job 
  • And more!

Tune in to hear part two of this mini-series about whole life insurance. 

Resources:  Levine Financial Group | Episode 10: Life Insurance and the Many Ways You Can Use It (Part 1)


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Episode 11 – Navigating Through Tumultuous Times



The current state of the economy can be concerning to even the most seasoned investor. How do you mentally handle a tumultuous economy when it comes to your money?

In this episode of The Utilization of Money Podcast, Todd Levine explains how to maneuver tough economic times, financially and mentally. 

In this episode, you will learn,

  • How to handle others’ opinions when it comes to your personal financial situation
  • How to prepare for a situation like COVID-19
  • Why you should be thinking ahead, rather than reacting to situations
  • How to maximize your financial plan
  • How to identify opportunities
  • And more!

Tune in to learn how to navigate a tumultuous economic landscape.

Resources:  Levine Financial Group


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Episode 10 – Life Insurance and the Many Ways You Can Use It



Most Americans understand that when it comes to life insurance, it’s important to have some sort of plan in place. But how much do you really know about life insurance and the many ways you can use it?

In this episode of The Utilization of Money Podcast, Tod Levine dives deep into life insurance and how you can make it work for your financial goals. 

In this episode, you will learn:

  • How life insurance policies are assessed
  • How inflation plays into a life insurance policy
  • What a permission slip is and when it comes into effect
  • Why life insurance makes it possible to live off your assets, not just the interest
  • And more!

Tune in to learn about all the ways you can use life insurance to your advantage!

Resources:  Levine Financial Group


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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

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