Tag Archives: Retirement Plan

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Episode 20 – Coordinating Your Financial Plan



While your financial plan is ultimately about your finances, it’s also about coordinating all the pieces so that they work cohesively. 

In this episode, Ben Duronio highlights the importance of coordinating your financial plan, and shares why it is important to focus on the process instead of the final product.  

In this episode, you will learn:

  • The role Ben plays in coordinating all the aspects of a financial plan for clients
  • How to use a #LivingBalanceSheetas a wealth coordination tool 
  • Who the firm’s “quarterbacks” are when it comes to helping clients coordinate their plans 
  • The Mount Everest analogy that’s directly related to retirement 
  • And more!

Tune in as Ben reveals the importance of coordinating your financial plan!   

Resources: Levine Financial Group | Ben Duronio

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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 a 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. The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2020 Guardian.


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Episode 19 – Paying For College Without Breaking The Bank



It’s no secret that paying for post-secondary education is a huge expense. But what type of account should you use to save for your child’s education to avoid breaking the bank?

Micheal Karlin dives into the cost of college and the importance of saving early. He shares options for savings accounts and the potential benefits and drawbacks for each.

In this episode, you will learn:

  • Options for savings accounts to pay for college
  • The potential benefits and drawbacks of each type of account
  • How scholarships could impact savings
  • Other options available for helping to cover college costs
  • And more!

Discover options you should think about when planning to save for your child’s education in this episode of The Utilization of Money!

Resources: Levine Financial Group | Michael Karlin

 

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 a 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. CA insurance license #0H01258

 

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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