Finance Upfront

Many people are looking for a fresh start in this New Year!  During this episode, we will discuss some common New Years Resolutions and outline the top 3 financial resolutions that should be on your list in 2021. Contact us: https://www.stevenapier.com/     https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500. CRN202301-276942  

Home sales continue to thrive in this economy, driving up prices on limited inventory.  Join us this episode, as we talk with Tracy Hollander from Coldwell Banker on trends in the real estate market. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500. CRN202211-275123  

November is Long Term Awareness Month.  In this episode, we discuss long term care planning, specifically addressing options for care, cost of care, and how to pay for it. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500. CRN202211-274614

In this episode, we will chat with our colleague from Baystate Financial, Jennifer Shea about the Financial Planning Process.  We will explore the purpose & components of a plan and discuss some of the benefits of initiating this process with a Financial Planning Professional. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500. CRN202211-274601  

Unexpected medical expenses can really take a toll on your spending plan!  In this episode, we will define the components of a Health Savings Account and discuss some of the benefits of ownership.  Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.

September is College Savings Month!  In this episode, we will cover the various ways to save for a college education and discuss loan programs available for students.  We will also cover what individuals can do to lower the cost of a good education.  Contact us:  https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.

September is Life Insurance Awareness Month!  In this episode, we will cover some of the common questions people have about life insurance.  Our goal is to help our listeners understand the importance of life insurance and have knowledge to make better decisions. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500. CRN202209-271485

How do you become financially independent?  In this episode of Finance Upfront we will define financial independence and explore what you need to do in your 20’s and 30’s to reach your target! Contact us: https://www.stevenapier.com/                                                       https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC.(MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500. CRN202208-270409

In this episode of Finance Upfront, we chat with Tim Nickerson, Managing Director and Relationship Manager with First Republic Bank.  We explore trends in the banking industry and discuss the service model of First Republic Bank and the programs they offer. If you are interested in talking to Tim or anyone in our professional network, please contact us below on our website. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202208-269510

In this episode of Finance Upfront, we chat with Jill McTague, a Realtor with REMAX/Andrew Realty and Deb on the Web.  We will explore the housing market and specifically talk to Jill about some of the factors you should consider when buying a home and what you need to do to prepare. If you are interested in talking to Jill or anyone in our professional network, please contact us below on our website. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202208-269191

In this episode of Finance Upfront, we continue our conversation around the topic of retirement planning. We define the accumulation and distribution phases and discuss some of the financial instruments that are used as part of the retirement planning process. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed tobe taken as advice or a recommendation for any specific investment product, strategy, or service.This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th& 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202207-268726

In this week’s episode, we talk to John Veneziano, a Real Estate Owner and Broker at REMAX/Andrew Realty about trends in the Real Estate Market.  We will explore the impact of the pandemic on the market – specifically looking at home & property sales, inventory, and the new norm for open houses.  Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202207-267977

Have you started to dream about retirement?  During this podcast we explore the idea of retirement and discuss some of the conceptual planning that needs to take place.    We also break down the different phases of retirement and talk about the financial aspects of each. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202207-267339 

Learn about the benefits of asset allocation and how to develop an investment strategy based on your personal risk profile assessment. We will breakdown the different types of investments from conservative to aggressive and share some reasons for ownership of each. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202206-266724

Learn about the different types of legal documents you should have in place and why they are needed. You might be surprised to find out that if you are 18 or older, you should have 3 of them! Herb Daroff, an Attorney at Baystate Financial joins us for a discussion to make sense of it all.Contact us: https://www.stevenapier.com/https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202206-265976

According to the Life Insurance Market Research Association, 28% of consumers understand life insurance materials.  In this podcast, we will dive deeper into permanent life insurance coverage and discuss some of the reasons for ownership. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC. Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202205-265644

Americans are significantly in debt which can impact their financial well-being. In this podcast, we will help our listeners learn how to understand their debt -what is good and bad-and how to develop a plan to pay it off. We will also touch upon some tips to prevent future pitfalls. Contact us: https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being providedfor informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products.Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC.Supervisoryoffice located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] CRN202205-265055

This podcast provides some education surrounding both Disability and Life Insurance with a focus on the different types of coverage and purpose for each.  As individuals build a financial foundation it is important to recognize and understand how these financial instruments work and how they can be utilized throughout your life. Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. Contact us:  https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.  This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC.   Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.] https://coverpath.massmutual.com//?fg=Stephen-Napier-477130 https://coverpath.massmutual.com//?fg=Michael-Enright-581286 CRN202205-264677

We continue to encourage our listeners to create a spending plan to track their financial progress.  A spending plan will provide structure and accountability to help you reach your goals & objectives.   In this podcast we will dive deeper into some strategies that we use in our practice to help people find additional money in their spending plan. Contact us:  https://www.stevenapier.com/ https://www.menright-baystatefinancial.com/michael-enright This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.  This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment adviser’s representative of MML Investors Services, LLC. (MMLIS) Member SIPC.   Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.]

Hank Morse, radio personality joins Stephen Napier & Mike Enright for another episode of Finance Upfront to discuss the CARES Act and how it impacts small business owners. Some of the provisions of the CARES Act are covered including PPP, Economic Injury Disaster Loan and what business owners can do to keep their business running. Contact us:  https://www.stevenapier.com/ This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.  This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier and Michael Enright are registered representatives and investment advisers representative of MML Investors Services, LLC. (MMLIS) Member SIPC.   Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.]

This is an informational podcast that outlines some of the provisions of the CARES Act for individuals, hosted by Hank Morse.    This conversation with Stephen Napier & Mike Enright includes some details of the Recovery Rebate, Loans against Retirement Accounts,  and state funded programs available to individuals. Contact us:  https://www.stevenapier.com/ This broadcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.  This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. Stephen Napier is a registered representative and investment adviser representative of MML Investors Services, LLC. (MMLIS) Member SIPC.   Supervisory office located at [200 Clarendon Street, 19th & 25th Floors, Boston, MA 02116. 617-585-4500.]  

In this interview, Hank Morse - Radio Personality and Podcast Host interviews Stephen Napier of Finance Upfront to discuss the impact of COVID 19 pandemic on individual financial well being.  This episode identified some of the underlying fundamental challenges that face Americans today. Don't forget to subscribe to the show.