Beyond Conventional Podcast

Many financial services professionals today believe their clients do not need insurance because they are self-insured. However, once clients truly understand what insurance can do for them, they tend to see the power of life insurance when it is a part of an overall financial strategy. Insurance is a way to transfer risk and by taking away that risk, you no longer need to worry about absorbing that risk. Learn more about the myth of life insurance in this podcast: Pension maximization is a financial strategy that has the potential to increase retirement income by combining the benefits of permanent life insurance with aspects of a defined benefit pension plan, particularly in cases where the pension participant may choose between a Life Only Benefit and a Joint and Survisor benefit, which pays a benefit for as long as the plan participant or a surviving spouse lives. 2019-78011 Exp. 4/21 Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian). New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding tour individual situation. Dividends are not guaranteed. They are declared annually by Guardian's Board of Directors. Reverse mortgages may not be used for the purchase of securities or insurance products. Guardian and its subsidiaries do not issue or advise with regard to reverse mortgages. 2019-78011 Exp. 5/21.

Compound interest is something that has really become a topic at the forefront of financial strategies. You get a lot of money over a long period of time since it compounds in an exponential manner. It’s often depicted as an exponential curve which really gets you value after a long time. However, you have to realize that compound interest computations take into account a lot of hypothetical scenarios. Learn more about compound interest in this podcast. Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian). New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding tour individual situation. 2019-78010 Exp. 5/21

In today’s society we are constantly faced with the possibility of life throwing us a curveball.  This is why implementing a protection plan is very important when it comes to finances. However, there is a popular myth going around where having more protection equals less cash flow. In this podcast Joe shares how protecting yourself properly does not necessarily mean less cash flow. Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian). New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding tour individual situation. Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Biond Financial Group, LLC. is not an affiliate or subsidiary of Guardian. Guardian does not issue nor advise for Auto, Homeowners, Umbrella, or Collectibles Insurance. 2019-78009 Exp. 5/21

Joe Biondolillo shares when it comes to mortgages, most people make financial decisions that are ultimately based on what they’ve heard. A lot of people approach mortgages with the sales hype and the psychological perspective of paying for your home over a long period of time. Oftentimes, people make a decision on mortgages based on their emotion. Learn more about myth number 3 A 15 Year Mortgage Costs Less Than a 30 Year Mortgage in this podcast. Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian). New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding tour individual situation.2019-78008 Exp. 5/21

Most of us have heard of the benefits of a 401k. It’s great from a tax perspective, it’s what successful people do, so we are often recommended to max out our 401k. However, before we dive into the 401k discussion deeper we have to establish a couple of things. We often hear of 401k as part of an investment strategy but we have to realize that for every financial decision we make, it has to fit in with the big picture of what we’re trying to accomplish. It’s not that 401k is good or bad, but it is situational. We have to understand both the advantages and the disadvantages to avoid any misunderstanding. Learn more about the advantages and disadvantages of the 401k in this podcast. Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian).  New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice.  Consult your tax, legal or accounting professional regarding tour individual situation 2019-78006 Exp. 5/21

Joe Biondolillo shares how many people in retirement feel they will be paying less money from a tax perspective. In fact, some actually pay higher taxes and while we can’t do anything about high taxes, we can plan for it. Learn more about how to plan for retirement and retirement preparing in this podcast. Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian).  New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice.  Consult your tax, legal or accounting professional regarding tour individual situation. 2019-78004 Exp. 5/21

There’s a lot of financial media going around producing a lot of misinformation. Even podcasts, blogs, and marketing promoting certain financial strategies are now automatically taken as factual. Just because we see it on Google, doesn’t mean it’s true. A lot of people have been misguided especially since they’ve created preconceived notions on how financial strategies works. Learn more about these financial myths in this podcast Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian). New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding tour individual situation. 2019-78002 Exp. 5/21

Joe started a career in financial services in 1990 when he was 18 years old. During that time, he was very interested in the dynamic and energy of Wall Street. He spent 15 years going in that direction, and would then do a total 180. He changed his career from a Wall Street based practice to a Planning and Protection based practice. Learn more about Joe and Biond Financial in this podcast: Disclosure: Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian).  New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents and employees do not provie tax, legal or accounting advice.  Consult your tax, legal or accounting professional regarding tour individual situation.2019-78000 Exp. 5/21