Your Financial Journey

Have you prepared a retirement budget? Even more important, have you practiced your retirement budget? What about your investment strategies and estate planning? There are many things to consider as you prepare for retirement. In this episode of Your Financial Journey, Doug DeGroot and Brian Granato address many retirement concerns and provide helpful information – whether you're just starting to prepare for retirement or trying to make the very most of your retirement.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, LinkedIn or X (formerly Twitter).

Can technology stocks push our equity markets to a third consecutive year of double-digit increases? Will continued government deficits cause the Fed to forego additional interest rate cuts? These are just a few of the possibilities discussed by Tom Clifford, Brian Granato and Doug DeGroot in this 2025 Market Outlook podcast.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, LinkedIn or X (formerly Twitter).

Are you taking full advantage of your employer's 401k match? Maximizing contributions to your own IRA? Looking for a way to avoid those credit card bills that too often dampen your holiday spirit? These are just a few of the topics you'll learn more about in this 12 Investment Ideas of Christmas podcast, featuring the entire Providence Wealth Advisors team. Listen in as they offer 12 ideas to keep top of mind as you celebrate Christmas and prepare for a healthy, happy and prosperous New Year in 2025.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, LinkedIn or X (formerly Twitter).

Do you have a documented Power of Attorney for Healthcare? Who will pay your bills should a serious accident or illness prohibit you from handling your financial affairs? Do you have the deed to your home, your life insurance policies and your Will and other estate planning documents on hand? To discuss these and more of life's most important documents, Executive Vice President, Doug DeGroot is joined by Investment Advisor Representative, AVP & Trust Officer Nicole Smit and Investment Advisor Representative Laura Fasan. Listen in as they talk about the importance of having, keeping and sharing Life's Most Important Documents.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, LinkedIn or Twitter.

Can anyone honestly say they expected the NASDAQ to shoot up 20 percent in the first half of this year? How about the S&P 500 gaining 14 percent? These results surprised everyone. Can we expect inflation to continue moderating and the Fed to provide a rate cut before year-end? And how much volatility will the election cause? Tune in as Senior Vice Presidents Brian Granato and Tom Clifford of Providence Wealth Advisors join Executive Vice President Doug DeGroot to share their thoughts about interest rates, inflation and stocks in this 2024 Mid-Year Update podcast.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, LinkedIn or Twitter.

Marriage, home ownership, children, retirement - no matter what milestone youand your partner may be approaching, the discussion always seems to involvemoney. And because preparing for the future is easier when you and your partnerare on the same page, Doug DeGroot and Brian Granato identify important financialmatters couples should discuss throughout their lives together. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.Thank you for listening. Connect with Providence Wealth Advisors on Facebook, LinkedIn or Twitter.

Did anyone really expect technology stocks to rise by 57 percent in 2023? Can it happen again? What about inflation and interest rates - will they hold at levels Americans can live with in 2024 and beyond? These are just a few of the issues Tom Clifford, Brian Granato and Doug DeGroot discuss in this Your FinancialJourney podcast as we recap 2023 and share our thoughts on the year ahead. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Whether your financial goals are long-term like saving for retirement or shorter term like buying a new car or making a down payment on a home, we're all looking for ways to make saving for the future easier. To share their personal insights and offer a few time-tested tips, several members of the PWA staff join together in this podcast to discuss Savings Goals and Strategies. What better time to revisit our goals and prepare for the future than with a New Year upon us?With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

We all know there are many ways to invest your hard-earned money - cash, bonds, stocks and a myriad of alternative strategies we hear and read about every day. What kinds of returns can you expect from these investments and what are the risks? How easy will it be to access your money if you need to raise cash? Listen to Investment Advisor Representative, SVP & Trust Officer Brian Granato and Executive Vice President Doug DeGroot discuss risk, reward and much more. Whether you're a new or seasoned investor, there's plenty to brush up on in this Investing 101 podcast.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Do you have a person you can call when a financial question arises? Is this person aware of your financial situation, background, goals, and objectives? Providing this level of knowledge and understanding requires a lot of work and collaboration behind the scenes. Listen in as Vice President & Trust Officer Jay Faler and Investment Advisor Representative Laura Fasan join Executive Vice President Doug DeGroot to share their perspective on a day in the life here at PWA and reasons to use a financial advisor.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Can anyone honestly say they expected tech stocks to shoot up by 38 percent in the first half of this year? How about the S&P 500 gaining 14 percent? We think it's safe to say these results surprised everyone. What might we expect from the U.S. economy and financial markets in the second half of this year? Listen in as Senior Vice Presidents Brian Granato and Tom Clifford of Providence Wealth Advisors join Executive Vice President, Doug DeGroot to share their thoughts about interest rates, inflation, the FED and stocks in this podcast – the 2023 Mid-Year Update.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

What financial concerns should you be thinking about if you're a young person in your 20's? What about at age 30, 40, 50 and beyond? Is a budget something you need to prepare once or is it a tool that's important regardless of age or position in life? In this podcast, members of the PWA Team address these questions and more. Tune in as Executive Vice President Doug DeGroot, Assistant Vice President & Trust Officer Nicole Smit and Senior Vice President Brian Granato take a close look at financial planning in 10-year increments and help clients prepare for life's milestones every step of the way.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Why do Providence Bank & Trust and PWA take extra measures to confirm your identity and safeguard your funds? Today's podcast titled "Tips on Financial Fraud and Fraud Prevention" will explain why steps like multi-factor authentication are in place to protect you, your confidential information, and your money. Listen in as Doug DeGroot, Providence Bank & Trust Fraud Investigations Officer Dee Vossos and Assistant Vice President & Trust Officer Cheryl Dalton discuss today's most popular forms of financial fraud and what you can do to protect yourself from these scams.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

When will you or your spouse become eligible to receive Social Security benefits? How do you know the best time to begin receiving your benefits? Is your spouse or other family member also eligible to receive a benefit? Listen in as Doug DeGroot and senior PWA Team Member Brian Granato provide valuable insight into one of the most frequently asked questions we receive as financial advisors. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

What can investors expect in 2023? Listen in as Doug DeGroot and senior PWA team members Tom Clifford and Brian Granato discuss how inflation, interest rates and politics may impact our economy and your investments in the year ahead.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Join us for this very brief 2022 Holiday Podcast filled with quick financial tips from each member of our PWA team. From all of us at Providence Wealth Advisors, thank you for the trust and confidence you have placed in us and thank you for listening to our Your Financial Journey podcasts throughout the year. We wish you a very Merry Christmas and a New Year filled with good health and happiness.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Which estate planning tool is best for you - a Will, a Trust or an approach as basic as owning your assets in Joint Tenancy? To provide you with a better understanding of these estate planning strategies and how they might apply to you and your family Doug DeGroot, CFP®, Executive Vice President at PWA, teams up with Trust Officers Jill Gurney and Cheryl Dalton to deliver this Your Financial Journey podcast. We hope you will benefit from their insight and experience. On behalf of everyone at Providence Wealth Advisors, thank you for listening. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

What are cryptocurrencies such as Bitcoin, Ethereum and others? Are they as speculative as noted investors believe or should digital assets be part of your investment portfolio? In this episode of Your Financial Journey, PWA's Executive Vice President, Doug DeGroot, CFP® answers these questions and provides a high-level overview of cryptocurrency and blockchain technology. We hope you find this discussion helpful, and as always, thank you for listening.Quotations Cited:Bank of England Governor Andrew BaileyUnited Kingdom Financial Conduct Authority, January 2022Michael Hartnett, Chief Investment Strategist at Bank of America, 2022Steve Isaacs, Alvine Capital, 2022Warren Buffet, CNBC, February 2020Warren Buffet, CNBC, March 2014Warren Buffet, Shareholder Meeting, 2018With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

How high will interest rates go? What might the war in Ukraine and mid-term elections mean for our economy and financial markets? It's hard to believe that it's time to review current market conditions and look ahead to the second half of 2022. Doug DeGroot, Brian Granato and Tom Clifford provide a mid-year update on these important topics that have the potential to impact the performance of our economy and your investments in this second half of 2022. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

To determine how your investment account is performing, do you look at the Dow Jones, the S&P, or what you're hearing on TV? To help you answer this question, Doug DeGroot, CFP® devotes this monthly podcast to Market Indexes and what they mean. What investment index means the most to your portfolio? How can it help you evaluate your return? Listen in and thanks for your continued support of Providence Wealth Advisors. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Is this the year to convert your traditional IRA to a Roth? Take a few minutes and learn more about Roth conversions as Executive Vice President Doug DeGroot, CFP® and Jay Faler, Assistant Vice President and Trust Officer explore the question that so many IRA owners are asking. It's a question worth asking and the subject of our latest Your Financial Journey Podcast. Thanks for listening!With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

It hasn't taken long for 2022 to get interesting! What's driving inflation? What will higher rates mean for fixed income investments? Listen as Executive Vice President, Doug DeGroot, CFP® discusses a few steps the PWA team is taking to better manage the risks associated with rising interest rates, growing inflation and economic instability around the world.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

What can investors expect in the coming year? Listen as Doug DeGroot, CFP®, Executive Vice President and senior PWA Team members Tom Clifford and Brian Granato discuss the issues that have the potential to impact the performance of our economy and your investments in 2022. Listen here!With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Listen in for a few minutes as members of the PWA team look ahead by sharing a few things they have on their wish list for the New Year. From all of us at Providence Wealth Advisors, thank you for your trust and confidence. We hope you have a wonderful Christmas and a New Year filled with good health, peace and prosperity. Thank you for listening!With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

While all IRAs make it possible to save for retirement and defer the tax on your earnings, they can differ considerably when the time comes to make withdrawals. In this Podcast, Doug DeGroot, Executive Vice President and Jay Faler, Assistant VP and Trust Officer of Providence Wealth Advisors combine to review these differences. Please accept our thanks for listening to this Retirement Planning podcast on Withdrawing from Your IRA.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Traditional IRAs... Roth IRAs... how are they different and which may be best for you? We tackle these questions in this podcast on Retirement Planning. Jay Faler, Assistant Vice President and Trust Officer of Providence Wealth Advisors, who is considered our "go-to" guy on IRAs, joins Doug DeGroot, CFP®, Executive Vice President, in this podcast. As the holidays and tax season are fast approaching, thanks for listening as Jay and Doug discuss Retirement Planning Using an IRA.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

From solid performance throughout the first 3 quarters of 2021 to increasing market volatility in recent weeks, our latest Your Financial Journey podcast includes our 3rd quarter update along with thoughts on what investors might expect during the remainder of the year. Join Executive VP Doug DeGroot as he discusses why the PWA team is both cautious and optimistic about the future.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Saving for education, borrowing, choosing the right college. These are just a few of the important factors that Investment Advisor Nicole Smit, CTFA and Assistant Vice President and Trust Officer Cheryl Dalton and I discuss this month in our August “Back to School Month” podcast. Join us for helpful advice and real-world insights on one of the biggest issues facing families today – how to make a quality education more affordable! With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

In this podcast, Investment Advisor Nicole Smit, CTFA and Assistant Vice President and Trust Officer Cheryl Dalton join PWA's Executive Vice President Doug DeGroot, CFP® to share their insights, not only as financial professionals but as mothers striving to set their children on a positive financial path. Join us in a brief conversation about the one important thing kids don't learn in school – how to handle money responsibly!With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

In this podcast, senior members of the PWA Team discuss joint tenancy, wills, trusts, estate taxes and other matters related to estate planning. Join Executive Vice President Doug DeGroot, CFP®, Senior VP Brian Granato, CTFA and Senior VP Tom Clifford as they share valuable insights gained over the years. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

In honor of Mother's Day, members of the PWA team discuss Women and Investing and other topics particularly important to women. Join Executive Vice President Doug DeGroot, CFP®, Laura Fasan and Nicole Smit, CTFA as they touch on establishing goals, building wealth and much more.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

In recognition of Financial Literacy Month and the arrival of Spring, members of the PWA team use this Podcast to provide helpful information on a few topics clients often ask about. Join Executive Vice President Doug DeGroot, CFP® and Senior Vice President Brian Granato, CTFA, as they discuss Tax Advantaged Investments, Social Security benefits and more.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

What can we expect in the new year and more importantly, from the new administration in Washington? What changes should we be prepared for and how might these changes impact investment portfolios? Join Doug DeGroot, CFP®, Executive Vice President of Providence Wealth Advisors as he discusses the current economic backdrop as well as expectations for the coming year.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Join the entire Providence Wealth Advisors team as we prepare for the Christmas season by recalling our most memorable people, events and experiences of the past year. It's our 2020 Holiday podcast and we thank you for listening!From all of us at Providence Wealth Advisors, thank you for your trust and support. We wish you a Christmas season filled with peace, good health and happiness. With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

How did we get here and where can we expect to go? Learn from Doug DeGroot, CFP®, Executive Vice President of Providence Wealth Advisors, as he reviews the financial events of 2020 and considerations driving rationale for the future.With You Every Step of the WayWith over seven decades of collective experience, Providence Wealth Advisors has the expertise necessary to understand your financial goals and identify the best strategy to achieve them.

Listen as Doug DeGroot, CFP®, Executive Vice President, provides a brief introduction to Providence Wealth Advisors (PWA), it's unique affiliation with Providence Bank & Trust and the investment approach the PWA team uses to serve clients.Enjoy a Personal, Trusted RelationshipAt Providence Wealth Advisors, our team of investment professionals is dedicated to you, your family and your wealth management goals. As a true community based financial organization, we also offer numerous trust services through our parent company, Providence Bank & Trust. Together, we build trusted relationships that provide you with the peace of mind you deserve.