Financial Roll Call with James Fay

An investment property is real estate purchased for the purpose of generating income. Buying an investment property can come with many challenges, such as maintenance costs and stricter financing requirements. This can include higher interest rates and a larger down payment compared with mortgages on primary homes. During this episode of Financial Roll Call, host James Fay welcomes back expert loan officer Anthony Marone to educate our listeners and the law enforcement community on this very important topic. Anthony has been on previous episodes of this podcast to educate us on various other mortgage topics, and he does a great job here of breaking down the process of owning an investment property. There are many variables to consider when purchasing an investment property, but, before you dive in headfirst, you should start by doing your research. +++ Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

Credit scores directly impact mortgage interest rates. A difference of just 100 points could cost, or save, you thousands. In this episode of Financial Roll Call, host James Fay interviewed a familiar face to the podcast. Anthony Marone, a loan officer with NJ Lenders, once again educated our listeners and law enforcement community. This time, he provided a better understanding of why your credit score is so important. Anthony does a great job of breaking down the many different factors that go into your credit score and some of the reasons why it is a good idea to maintain a good credit score. When you build and maintain strong credit, mortgage lenders have greater confidence when qualifying you for a mortgage because they see that you have paid back your loans as agreed and used your credit wisely. Strong credit also means your lender is more apt to approve you for a mortgage that has more favorable terms and a lower interest rate. NerdWallet: What Is a Credit Score, and What Are the Credit Score Ranges? +++ Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

With one stroke of the pen, New Jersey Governor Phil Murphy has allowed approximately 8,000 PFRS members with 20 years of service to retire early. In this episode of Financial Roll Call, host James Fay discusses the legislation known as the “Burnout Bill” which allows public safety workers who will have 20 years of service within the next two years to retire with a pension, which they can start collecting immediately, regardless of their age. James expresses his concerns on issues that officers might face if they consider this retirement option without first developing a financial exit strategy. Having a plan might be the difference between success and failure. +++ Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

Should I name my children as beneficiaries? This is a question that is asked often. You should know that if your children are still minors, you need to take additional steps if you choose to name them as beneficiaries. During this episode of Financial Roll Call, host James Fay welcomes back expert estate planning attorney Michele Clark to educate our listeners and the law enforcement community on this very important topic. Michele has previously been on several episodes of this podcast, educating us on various estate planning topics, and she does a great job of breaking down the process of naming your minor children as beneficiaries on this episode. A key benefit of both knowing and understanding this process can help your heirs avoid probate court and its associated expense and inconvenience. • • • Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

Are you cleared to close? The housing market has been on a tear for quite some time now. This has caused a lot of questions with regards to buying a new house or refinancing an existing mortgage. Being that there are a lot of moving parts to securing a mortgage, we thought it would be best to spend some time educating our listeners and the law enforcement community on Title Insurance. And, more importantly, what a Title Agency does. In this episode of Financial Roll Call, host James Fay interviews Ron Osadacz, a Title Insurance Professional with the Clear to Close Title Agency. Ron does a great job of breaking down the role of a title agency, which is to verify that the title to the real estate is legitimately given to the home buyer. He further explains how Title Insurance is just a one-time premium that is paid at closing. Title Insurance is a way to protect yourself from financial loss and related legal expenses in the event there is a defect in the title to your property that is covered by the policy. This conversation with Ron Osadacz will help you gain a better understanding of how that process works. • • • Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

Since mortgage rates have been (and still are) at historically low levels over the past year, it has caused a lot of people to ask the question: “Should I refinance my mortgage?” In this episode of Financial Roll Call, host James Fay interviews a familiar face to our podcast. Anthony Marone, a loan officer with NJ Lenders, is back once again to educate our listeners and law enforcement community. This time, Anthony speaks about the rules of refinancing. He does a great job of breaking down the many different factors that go into refinancing a mortgage, as well as some of the reasons that homeowners might want to refinance. With mortgage rates slowly moving up, now might be the time to investigate whether you should be looking to refinance your mortgage. The goal of this episode is to help you decide if now is the right time for you to do that. • • • Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

Investing in yourself could prove to have the best rate of return. During this episode of Financial Roll Call, host James Fay interviews Ed Esposito, who is a Captain with the Essex County Sheriff's Office and more importantly the founder of ESPOS Test Prep which provides comprehensive training for promotional law enforcement exams. The financial impact of being promoted throughout your career directly affects your pension in retirement. The monetary figures are very eye opening and should be motivation to put yourself in a position to get promoted and rise through the ranks. Remember... you are your #1 asset! • • • Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

What is your investment philosophy? When asked, this question generally produces a lot of blank stares. During this episode of Financial Roll Call, host James Fay interviews Jason Lamb, who is the CEO and Founder of Shore Point Advisors. It is Jason's vision and passion that has shaped the investment philosophy we use here at Shore Point Advisors. An investment philosophy is a set of beliefs and principles that guide an investor's decision-making process. Most investors who achieve long-term success develop and refine their investment philosophies over time and do not frequently switch between philosophies as market conditions change. Investment philosophies should include: Basis of the investor's goals, Their timeline or horizon, Their tolerance to experience risks of various types, And their individual capital status or needs. Take the time to understand the philosophy behind your investments, because “to make money” is not a philosophy, it is a wish. • • • Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities.

As a New Jersey Police Officer, are you taking advantage of this exclusive mortgage program? During this episode of Financial Roll Call, host James Fay interviews Anthony Marone, who is considered an expert with originating the Police and Fire Mortgage for New Jersey's Police Officers. As a police officer himself, Anthony understands the unique stresses and financial burdens which our everyday heroes go through daily. The Police and Firefighter Mortgage is a huge benefit to members who are eligible. Anthony does a great job of explaining the eligibility and terms of this program. Through his experience as a loan officer, he explains that many of his past law enforcement clients had their monthly payments reduced significantly using this mortgage program. It is worth the time to review this program and see how you may benefit. • • • Shore Point Advisors is an investment adviser located in Brielle, New Jersey. Shore Point Advisors is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Shore Point Advisors only transacts business in states in which it is properly registered or is excluded or exempted from registration. Insurance products and services are offered through JCL Financial, LLC (“JCL”). Shore Point Advisors and JCL are affiliated entities. Learn more: https://shorepointadvisors.com/

For the majority of law enforcement officers, their initial introduction to investing is the Deferred Compensation Plan which is offered through their employer. A Deferred Compensation Plan is most beneficial when you can reduce both your present and future tax rates by deferring your income. Unfortunately, it is challenging to project future tax rates. During this episode of Financial Roll Call, host James Fay begins by discussing some of the rules that govern a Deferred Compensation Plan, as well as how the plan and its contribution limits work. He then explains some of the advantages and disadvantages with this type of plan before wrapping up the episode with some key takeaways. • • • Nothing provided herein constitutes tax advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax consequences of investments. Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Maybe you are a first-time home buyer? Or maybe you are looking to secure property as an investment? Either way, it is important to understand all of the ins and outs of a mortgage. This episode of Financial Roll Call will provide our listeners with a brief introduction to mortgages. Host James Fay interviews Anthony Marone, who is a loan officer with NJ Lenders. Anthony is a Top 1% Mortgage Banker in America and is considered an expert with originating the Police and Fire Mortgage for New Jersey's Police Officers. And, by the way, he is a cop. This episode allowed us to scratch the surface on the topic of mortgages. When our listeners better understand the components of their mortgage, how they change over time and how they can affect equity, they will be in a better position to manage them. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Investing is an effective way to put your money to work and potentially build wealth. However, that is not why the majority of law enforcement officers start investing. The real reason that most law enforcement officers begin investing is because our FTO or a Supervisor tells us to sign up for deferred comp. How do I know? Because I was told to sign up, too. During this episode of Financial Roll Call, we discuss some of the reasons why we should invest. Whether it is to supplement your pension, outpace inflation, or for liquidity reasons, it is important to know that investing is how you take charge of your financial security. It allows you to not only grow your wealth, but to also generate an additional income stream ahead of retirement or while in retirement. Do not just set it and forget it. Take the time to educate yourself when it comes to investing and the investments that you are holding. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Do you have a plan to replace the loss of income to your family if you die? Whole life insurance is one type of permanent life insurance that can provide lifelong coverage. The accumulation of cash value is the major differentiator between whole life and term life insurance. Part of the premium payments for whole life insurance will accumulate in a cash value account, which grows over time and can be accessed. The savings component, or cash value, can be accessed by the policyholder by either withdrawing or borrowing against it, when needed. Pension Maximization could be a big reason why you decide to secure a whole life insurance policy. It is one way to replace the loss of income to your family when you die. Remember... Failing to plan is planning to fail. So, take the time to put a plan in place. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Life insurance can provide you and your family with financial peace of mind in the event that something happens to you. During this episode, I briefly introduce the listener to term life insurance. Whether it is to replace a family's income for a certain period of time, or to cover mortgage and student loan debt, term life insurance is an affordable way to help financially protect your loved ones. It is important to realize that everybody is in a different financial position in their lives. And there is no cookie cutter plan that will work for everyone. Therefore, the next time there is a life insurance rep scheduled to come into your department or calling you on the phone, make sure to ask yourself an important question. Is this person educating me on something or trying to sell me something? Because there is a big difference. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

If you are incapacitated, do your loved ones know what your medical preferences are? Do you want a feeding tube? Do you want to be resuscitated? Do you want to donate an organ if you die? The Living Will is probably the most important document that all law enforcement officers should have in place. The Living Will is a legal document that specifies the type of medical care that an individual does or does not want to receive if they are unable to communicate their wishes. This document is too important to leave to chance. You need to seek the advice of a professional to draft your Living Will, someone such as a Michele Clark here in New Jersey, to ensure that the person knows the estate planning process and how it works in your state. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

If you are sick or injured, who will make medical and financial decisions for you? • • • Well, she's back. Who, you ask? Michele Clark. Michele Clark is back, our estate planning attorney. If you remember from past episodes with her, we briefly reviewed the three pieces of estate planning that we like to see in place. Those three items are your will, your power of attorney and your living will. In today's episode, Michele and I will discuss the power of attorney. This is a very important legal document that gives one person the power to act for another person. Remember... you are your number one asset. And to protect that number one asset, you should take the time to put your wishes on paper. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Welcome to 2021! Like me, I am sure that most of our listeners are glad to see 2020 in the rearview mirror. As we settle into the new year, we often hear people talking about New Year's Resolutions. So, I thought that I would have a little fun with this week's episode and speak to how the characteristics of a successful resolution parallels with that of a successful financial plan. Mindset, motivational goals, a written-out plan, accountability and frequent review are just a few of the characteristics that will lead to a successful resolution, as well as a successful financial plan. More than half of the people who make New Year's Resolutions fail because they lack these characteristics. As a financial advisor, I see this first-hand when it comes to unsuccessful financial plans. Remember... Failing to plan is planning to fail! • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

On behalf of myself and the entire team at Shore Point Advisors, we want to wish our listeners a Happy New Year. As we leave the challenges of 2020 behind us, may we look forward to a happy, healthy and prosperous 2021. As we did last week, I have decided to replay a previous episode that I truly believe is the foundation to any good financial plan. The focus of our very first episode of Financial Roll Call was to have you, the law enforcement officer, take ownership of the fact that you are your number one asset and your ability to work, make money and build wealth. Also, we briefly discuss several ways that you can lose your number one asset. Loss of Job Property & Casualty Protection Estate Planning Sickness & Disability Death It is the intention of this episode to create a call to action so law enforcement officers will take the appropriate steps to start the process in protecting their number one asset. Remember... Failing to Plan is Planning to Fail! Be safe and stay healthy. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Happy Holidays and Merry Christmas from all of us here at Shore Point Advisors. Although 2020 has been a very challenging year, I want to remind you that it is the way you respond to a challenge that makes you stronger. The Financial Roll Call with James Fay Podcast is a direct response to that challenge. Your feedback has been incredible since we started, and I will continue to help law enforcement officers make educated financial decisions that directly affect their retirement. Because of the hustle and bustle of the holiday season, I want to replay our Cop2Cop episode with Brian Gillespie this week. With all of the stress that the holiday season can bring, I thought it was very important to remind you about Cop2Cop and the services they provide. Even if you have already listened to this episode, I encourage you enjoy it again. Also, please feel free to forward it out to your law enforcement network. And remember: It's okay not to be okay. Cop2Cop: https://njcop2cop.com/ • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Knowledge is power. In this episode of "Financial Roll Call," host James Fay provides a brief introduction into life insurance protection. It could be the pandemic or perhaps the media constantly reporting on the death toll that COVID-19 has caused. Or maybe some officers have loved ones or co-workers who passed away due to this pandemic. Whatever it might be, I have certainly received an increasing number of calls over the past year about life insurance. It is rather alarming that many law enforcement officers have no idea what they are covered for while they are employed with their respective agencies, let alone what they lose when they leave or retire. Knowing the benefits you have while you are employed (which also helps protect your number asset), and what you lose when you retire, is of extreme importance when building any financial plan. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Welcome to another episode of “Financial Roll Call with James Fay." In this episode, we will continue to discuss estate planning. Returning as our special guest is Michele Clark, Esq., who is an attorney with Birdsall & Laughlin here in New Jersey. This episode aims to educate our viewers and listeners on the Last Will and Testament, which is a legal document that communicates a person's final wishes in terms of their assets and dependents. A Last Will and Testament forms the foundation of an estate plan, and it is a key instrument in ensuring that an estate is settled in the manner desired by the deceased. The consequences of not having your Last Will and Testament in place can be devastating to a family. Do you really want to leave that burden on your family when they are grieving? It is vital that you take the time to put your wishes on paper so they are fulfilled how you intended. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Today's episode is a value add. It is not necessarily about finance, but finance does play a role in the topic. The special guest for this week's show is Brian Gillespie of Cop2Cop, which is a 24-hour peer support program for New Jersey Law Enforcement Officers and their families. So, why is it a value add? The Holiday Season can be particularly stressful on law enforcement officers, who endure such an excessive amount of stress throughout their careers as a whole. Since the onset of Covid, a lot has changed, and people on social media have really used law enforcement as a punching bag. The job of the law enforcement officer is often stressful, demanding and very dangerous. That lifestyle, in and of itself, affects the lives of officers, their spouses, their partners, their children and their friends. With the added stress of the Holidays right now, I thought it would be great to have Brian Gillespie as a guest to speak about the Cop2Cop Program, what they do and what they have to offer. “Never underestimate the impact that you may have on someone else's life.” Like Brian says in this episode, “it's okay not to be okay." If you need help or if you are feeling hopeless or anxious, you need to pick up the phone and call Cop2Cop. Their number is (866) 267-2267, and someone is always there on the other end who cares about you and your well-being. Always know that you matter. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

Welcome to another episode of Financial Roll Call with James Fay. In this episode, we will be discussing estate planning, which might just be the single most important piece to any successful financial plan. Our special guest is Michele Clark, Esq., who is an attorney with Birdsall & Laughlin, a local law firm here in New Jersey. Host James Fay, who is a retired law enforcement officer himself, regularly sits down with other law enforcement officers to discuss financial planning. What he often finds out is that most do not have their estate planning in order. As a law enforcement officer, you need to have your will, your power of attorney and your living will in place. If you already took ownership of the fact that you are your number one asset, then why wouldn't you take the steps to properly protect that asset? • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

In this episode of "Financial Roll Call with James Fay," we will be talking about the importance of setting up an emergency fund. Our special guest is Edna Morasse, who is a Sergeant with the Monmouth County Sheriff's Office. In a previous episode, we spoke about taking ownership of your number one asset, which is you and your ability to work, make money and build wealth. This is the foundation on which you will build your financial plan. If you do not have your number one asset properly protected, then chances are that whatever financial plan you have in place will fail. We mentioned that one way you can lose that number one asset is through loss of job and more specifically getting laid off. This topic is never more important than the times we are living in right now with the calls to defund the police. This can certainly lead to layoffs. So, I would ask all the law enforcement listeners: “Are you financially prepared if you were to lose your job tomorrow?” • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority. Learn more: https://shorepointadvisors.com/

The very first episode of Shore Point Advisors Financial Roll Call with James Fay sets the foundation on which your financial plan should be built. This episode will have you, the law enforcement officer, take ownership that you are your number one asset and your ability to work, make money and build wealth. We will briefly discuss several ways that you can lose your number one asset. Loss of Job Property & Casualty Protection Estate Planning Sickness & Disability Death • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority.

As a Law Enforcement Officer, do you often find yourself stressing over decisions related to finance? Join retired law enforcement officer James Fay each week as he tactically navigates through financial topics that can create unnecessary stress. Financial Roll Call is an informative podcast that is designed to educate you, the law enforcement officer, about financial decisions that will arise throughout your career and into retirement. You must take ownership of the fact that you, and your ability to make money, needs to be your number one asset. Through listening to this podcast, you will be able to acknowledge ways in which you can lose this number one asset, as well as many ways to protect it. During episodes of Financial Roll Call, James Fay references his own real-life experiences through discussions and interviews that will help you deal with similar financial situations yourself. Throughout our law enforcement careers, we are offered various financial products, and that can get very confusing. It is important that you understand and educate yourself on how these various products work while on the job, as well as into retirement. Some of the topics that we discuss on this podcast are: Benefits you have while on the job What you lose when you leave the job Estate planning (wills) Lawsuit protection Sickness and disability Pension maximization Deferred compensation including fees Asset allocation Taxation of benefits Pension benefits and the importance of preparing for your next career If you want to create a call to action and allow yourself to make educated and informed decisions about your financial future, then this is the podcast for you. • • • Shore Point Advisors is registered as an investment adviser with the State of New Jersey. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Securities and Exchange Commission or any state securities authority.