The Trade-Off

On December 22nd, 2021, President Biden announced that the federal freeze on student loan repayments and interest accumulation would continue through May 1st, 2022. We've seen several student loan moratorium extensions since it was enacted in March 2020. It is unclear if additional postponements are to be anticipated, but the White House has suggested this could be the final deferral. Regardless, we've received several inquiries from clients with student debt around how they should be thinking about this unique period and what they can be doing to take advantage of the break.

Collin Wright, MBA Candidate at The Wharton School, is back on this episode of The Trade-Off to check in on this grad school journey and shares his internship experience at Dick's Sporting Goods. For more information, email us at ssp@hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartners

Midwest native and professional athlete, Mike Carlson joins The Trade-Off to share his story of playing basketball for the majority of his life and how he's worked to get to where he is today playing professionally over the past seven years. Mike currently plays in the Netherlands' BXNT League for Heroes Den Bosch and formerly was in Spain's ACB league (Acunsa GBC).Check out Mike on Instagram & Twitter: @mikeykaz05 For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-Off on Spotify

Brooke Levey, CFP® Financial Advisor & Director of Client Services at LCK Wealth Management joins this episode to discuss her career journey of becoming a financial advisor. Brooke shares valuable insight on what she has learned from past experiences as well as what a typical day can look like as a financial advisor. For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-Off on Spotify

On this episode, Ray Baraldi and Morgan Buswell are joined by Jamie Ziegler, founder of JZ Coaching, Consulting Partner with Focus Consulting Group to discuss The Enneagram. The Enneagram is a useful guide on your journey towards self-development, relationship building, conflict resolution, and the improvement of team dynamics. Listen as Jamie breaks down the nine Enneagram types, tips to identify each type, and how to achieve the highest level of self-mastery. To learn more about The Enneagram (https://www.enneagraminstitute.com/type-descriptions)To learn more about Jamie Ziegler & JZ Coaching (http://www.jzacoaching.com/)"The Art of The Enneagram" by Ginger Lapid-Bogda, PhD (https://theenneagraminbusiness.com/product/the-art-of-the-enneagram/) For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-Off on Spotify

"WEDDING SZN." On this episode, Ray Baraldi & Morgan Buswell are joined by sisters, Tori Jackson & Emily Zander who share their experiences on getting married, planning for "the big day" and ironically tying the knot within months of each other. The group also shares stories about past weddings they've attended or have been a part of and ultimately how weddings can easily become an entire season. Listen for planning and budgeting tips!For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-off on Spotify

Katie Piazza, Director of Administration & Finance at Penn's Institute of Immunology joins this episode of The Trade-Off to discuss her background and path to a career in higher education. For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-off on Spotify

Matt Hougan, CIO at Bitwise Asset Managment shares a brief history of digital currencies, what he and his team are closely observing, and the outlook for digital currency as an asset class.For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-off on Spotify

Chief Investment Officer, Jeremiah Riethmiller & Senior Financial Advisor, Ray Baraldi talk: where markets are headed with increased volatility, disruptive innovation themes for the short and long term, cryptocurrency exposure, measuring risk-reward, and investing "FOMO".For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-Off on Spotify

Chicago native and Hightower’s Head of Fixed Income & Portfolio Manager, Lee Majkrzak joins The Trade-Off to talk bonds and how investors can be thinking about them. Lee also shares with Ray Baraldi and Jeremiah Riethmiller his typical day-to-day as well as former experience on the Chicago Board Options Exchange (CBOE) trading floor.(*Note: this conversation was recorded pre-Chicago Bears' 21-9 loss to the New Orleans Saints in NFC wild-card game; our thoughts go out to Lee and all other Bears fans.)For more information, email us at ssp@hightoweradvisors.com or visit our website: sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartnersSubscribe to The Trade-Off on Apple PodcastsFollow The Trade-Off on Spotify

On this episode of The Trade-Off, Jeremiah Riethmiller and Ray Baraldi discuss ESG (Environmental, Social and Governance), SRI (Socially Responsible Investing), and Impact Investing. What's the difference? How can investors incorporate personal views into investment decisions? How are companies adapting to become more socially conscious? What's ahead for ESG & SRI long term?For more information, email us at ssp@hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartners

Hightower Portfolio Manager, Joe Klein joins The Trade-Off as he and Ray Baraldi discuss what a typical day looks like as a PM, what could be in store for the markets in 2021, and the Senate runoff elections. For more information, email us at ssp@hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartners

Keith DiMarino, CEO & Founder of DocuVault Delaware Valley joins The Trade-Off to share his story of becoming an entrepreneur.For more information, email us at ssp@hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartners

Collin Wright, MBA Candidate at The Wharton School, joins Ray Baraldi on this episode of The Trade-Off to share his experience and thought process of making the decision to pursue his MBA.For more information, email us at ssp@hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook, LinkedIn, Instagram @SarianStrategicPartners

On this episode of The Trade-Off the team talks:•Unemployment/Shift in Living Situations•Work from Home...Work from Anywhere?•Travel Bans•The Reopening Process & The Markets•Mail-In Voting•College "Big Ten" FootballFor more information, email us at ssp@hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook and LinkedIn @SarianStrategicPartners Subscribe to The Trade-Off on Apple PodcastsFollow The Trade-Off on Spotify

Jeremiah Riethmiller caught up with Joe Klein, Portfolio Manager on Hightower’s OCIO team to discuss the upcoming presidential election from an investor standpoint, equities, earnings, precious metals and how the market is reacting to COVID-19 differently than other crises.Subscribe for upcoming episodes!For more information, visit our team website: www.sarian.hightoweradvisors.comFollow us on Twitter @SarianStrategicFollow us on Facebook and LinkedIn @SarianStrategicPartners

The Trade-Off is back. Ray, Tom and Kevin catch up to discuss: What have we learned?• What can millennial investors takeaway thus far in the global pandemic environment who may not have experienced these levels of volatility or downturn in the market? • How emotion can become “the make or break” to your savings or portfolioSports are back...kind of?Stock Slices• What's a stock slice?• Pros v. Cons?For more information, visit: http://www.sarian.hightoweradvisors.com

Hightower's Head of Investment Strategy, Matt Harris joins Ray Baraldi, Jeremiah Riethmiller and Morgan Buswell to talk Barstool Day Trading...the power of "#DDTG" and recap the last few months of navigating through the pandemic but more importantly where we are now. For more information, visit our team website: hightoweradvisors.com/sarianFollow us on Twitter @SarianStrategicFollow us on Facebook and LinkedIn @SarianStrategicPartners

Guest appearance and real estate professional, Quin Shalaway of Legacy Real Estate Associates LLC (@quinshalaway/Quintessential Real Estate) joins the Trade-Off this week to discuss how real estate has been impacted by the pandemic and what to expect as we continue to navigate through this current environment. To learn more visit sarian.hightoweradvisors.com or email ssp@hightoweradvisors.com

What do student loans, unemployment, Dave Portnoy and sports have in common? All have been (in one way or another) influenced by the COVID-19 pandemic. Listen to Ray, Morgan, Tom, and Jeremiah weigh in on their thoughts. For more information, check out www.hightoweradvisors.com/sarian.

Biggest drivers in the market and historic levels of volatility...Jeremiah Riethmiller and Ray Baraldi talk about what's been a focus and what will continue to be in the current economic environment.

Ray, Kevin, Morgan and Tom talk about market reaction to continued news around COVID-19, what millennial investors should consider during these times related to their personal finances and how they are holding up working from home social distancing. For questions or to learn more visit: hightoweradvisors.com/sarian.

The team talks budgeting at all levels. Take a listen as Ray Baraldi, Kevin Wager, Jeremiah Riethmiller and Morgan Buswell discuss a variety of budgeting strategies, tips and best practices for all. To learn more visit the Sarian Strategic Partners website: https://teams.hightoweradvisors.com/team/sarian/overview

Listen to Jeremiah Riethmiller and team as they discuss the value of portfolio construction when thinking about investing for the long term.

What are the pros and cons of leasing vs. buying a car? Similar to Episode 2, the team talks quantitative and qualitative factors when making a car decision. To learn more reach out or visit our website at hightoweradvisors.com/sarian

There are pros and cons to both renting and buying. There is more to the decision to rent or buy than whether or not you can simply afford the price of the new home. The decision comes down to both quantitative and qualitative factors. Things to consider when making this decision include your current financial position, long term geographic location plans, and personal lifestyle preferences.To learn more reach out or visit our website at hightoweradvisors.com/sarian

The team talks about the in's and out's of a 401(k), the benefits of starting to save early, things to be cautious of before enrolling and the risks to watch out for. To learn more reach out or visit our website at hightoweradvisors.com/sarian.