Podcast appearances and mentions of joe messinger

This episode is also sponsored by PearsonRavitz– helping physicians protect their most valuable assets.  College costs money, and it continues to increase. The actual price that you pay is difficult to understand because it has become progressively more expensive for those that have more financial resources—especially physicians who have or plan to have children in the future. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Joe Messinger about how college costs work and how to start planning sooner than later. Joe is a Certified Financial Planner, CFP®, and Founder of Capstone Wealth Partners and College Aid Pro. Topics Discussed: • Tuition Costs: Different levels for in- versus out-of-state students • 3X or Greater: How college costs have changed in the past 20 years • Why? Supply and demand led to out-of-control costs for college • Inflation: State colleges level off, but private colleges continue to increase costs • Price Transparency: Private colleges equate value to higher or discounted costs • Analogy: College cost is similar to medical bills because it's different for everybody • College Funding Philosophy: Best way to pay for college is to save for college • 3 Key Financial Aid Components: ◦ Family's finances ◦ Student's academics ◦ School's business model • High-income Hurdle: Family finances impact student's ability to get financial aid • Sticker Price Shock: Some schools give money for merit, not just for need • Budget: Use school's money first, then federal aid, and set limitations • Rule of Thumb: Save for one-third, pay for a third, and take out a third in loans • College Aid Pro: Changing the way America shops smart for college LINKS: www.WrenneFinancial.com

Brad Wright CFP® and Jeff Tomaneng CFP® speak with Joe Messinger CFP®, ChFC®, CLU®, CCFC. Joe is a trusted authority in the areas of college planning and funding. He's on a mission to "Change the way America shops for college." He created the innovative College Pre-Approval™ system to seamlessly guide families through the college funding maze and ensure that every student graduates with manageable student loan debt without robbing retirement. We discuss: The rising costs of college tuition How to calculate net costs at over 3,000 schools across the country How late is too late to begin planning for college Joe's “College Planning Made Easy Certificate Program for Advisors”    Contact Joe: https://www.joethemessinger.com/  https://www.linkedin.com/in/joemessinger/ https://capstonewealthpartners.com/ https://twitter.com/capstonewealth https://www.facebook.com/mycapstoneplan/  

The Ice Machine is not working..we all know the story, cross country meet followed by a football game and the Ice Machine stops making ice the day before. Paul Calloway and Jake Stiefel share some tips and tricks for avoiding that nightmare morning. Ice Machine Maintenance Try to have two machines running and schedule maintenance one at a time. Cube Ice drops in batches and needs time to cycle Nugget ice (Sonic Ice) machines continue to run and don't need to shut down and cool off. Water cooled is typically better than air cooled Water filters? 6 months is a must for filters. Proper size filter is really important, typically follow manufacturers' instructions. Try to use the multi-phase filter approach to help prevent the machine from shutting down. Clean the ice machine every six months or when you change your filter. Change the filter anytime you have the water shut off. Scale reduction is important in maintaining the life of the machine. Bad taste, lower performance. Air Filter? Cleaning them when you change your filter is a good recommendation Emptying and cleaning the Ice Machine? Use a scale cleaner or remover according to the manufacturer's recommendations Best if you let someone trained to run the cleaning cycle. Ice machine sanitizer from amazon is usually ok but check for food-safe branding. Sanitize and rinse the machine because scale remover is caustic. Be sure it is food grade!!! Troubleshooting Make sure the machine is level or it can decrease the production rate. The filter is the number one cause for not making ice - no water pressure means your filter is clogged Most machines will have an error code you can google or look up on the chart. Making a loud noise - turn it off and leave it until it can be serviced. This is a great time to clean it out anyway. Won't dump - usually a sensor that stops working. Check that the sensor door doesn't have an ice cube blocking it from closing From the fans: Tip#1  Stop using ice. Michelle Crosby Annual maintenance is a MUST,  depending on your water, here in El Paso the water is so hard with minerals that 7 years is the life expectancy of ice machines.  Change your filters, at least every 6 months more if waterlines are broken or whenever you have mandatory boil drinking water.  We bought Scotsman nugget ice machines and ironically exactly 7 years they both died, with gearboxes getting water and burning out covid hits, and parts are slim to not available, we switched to Manitowoc insides are stainless steel made in the middle of covid in ITALY bought with fundraiser money right at $9,000 worth. Wow, that was a lot of Gatorades.  Joe Messinger, MA, LATC Athletic Trainer/Sports Med. Instructor Bel Air High School/Medical Magnet Hey Jeremy, my school gets my ice machines serviced annually and has a service contract. My one horror story is that this company came recently without my advanced knowledge to service both on the same day and so drained them both and left me without ice for the day. Luckily I didn't need it so badly that day  David Silverstein Michelle Crosby -  My coaches take care of water for games, etc. and we utilize water systems we've made that hook up to spigots for practices.  During times I need a cold tub set up for heat illness, we do have an ice machine but I also Freeze 1g pails of water to lessen the amount we take from the ice machine (and wear and tear).  For injuries, I'll use an ice cup every now and then or a reusable ice pack if necessary (rarely).  Honestly, I function without an ice machine for 90% of the year.  Keep up the good work! Contact: Jake Steifel - stiefelrep.com Paul Calloway - MioGaurd.com Jeremy - @MrJeremyJackson on Twitter

College costs money, and it continues to increase. The actual price that you pay is difficult to understand because it has become progressively more expensive for those that have more financial resources—especially physicians who have or plan to have children in the future. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Joe Messinger about how college costs work and how to start planning sooner than later. Joe is a Certified Financial Planner, CFP®, and Founder of Capstone Wealth Partners and College Aid Pro. Topics Discussed: • Tuition Costs: Different levels for in- versus out-of-state students • 3X or Greater: How college costs have changed in the past 20 years • Why? Supply and demand led to out-of-control costs for college • Inflation: State colleges level off, but private colleges continue to increase costs • Price Transparency: Private colleges equate value to higher or discounted costs • Analogy: College cost is similar to medical bills because it's different for everybody • College Funding Philosophy: Best way to pay for college is to save for college • 3 Key Financial Aid Components: ◦ Family's finances ◦ Student's academics ◦ School's business model • High-income Hurdle: Family finances impact student's ability to get financial aid • Sticker Price Shock: Some schools give money for merit, not just for need • Budget: Use school's money first, then federal aid, and set limitations • Rule of Thumb: Save for one-third, pay for a third, and take out a third in loans • College Aid Pro: Changing the way America shops smart for college LINKS: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support.  https://weatherbyhealthcare.com/

College costs money, and it continues to increase. The actual price that you pay is difficult to understand because it has become progressively more expensive for those that have more financial resources—especially physicians who have or plan to have children in the future. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Joe Messinger about how college costs work and how to start planning sooner than later. Joe is a Certified Financial Planner, CFP®, and Founder of Capstone Wealth Partners and College Aid Pro. Topics Discussed: Tuition Costs: Different levels for in- versus out-of-state students 3X or Greater: How college costs have changed in the past 20 years Why? Supply and demand led to out-of-control costs for college Inflation: State colleges level off, but private colleges continue to increase costs Price Transparency: Private colleges equate value to higher or discounted costs Analogy: College cost is similar to medical bills because it’s different for everybody College Funding Philosophy: Best way to pay for college is to save for college 3 Key Financial Aid Components: Family’s finances Student’s academics School’s business model High-income Hurdle: Family finances impact student’s ability to get financial aid Sticker Price Shock: Some schools give money for merit, not just for need Budget: Use school’s money first, then federal aid, and set limitations Rule of Thumb: Save for one-third, pay for a third, and take out a third in loans College Aid Pro: Changing the way America shops smart for college Links: Joe Messinger on LinkedIn Capstone Wealth Partners College Aid Pro Free College Money Report™ Can a 529 Plan be Applied to a Student Loan? Free Application for Federal Student Aid (FAFSA®) Net Price Calculator Contact Finance for Physicians Finance for Physicians

In this episode of The 4FP Podcast Jake talks to College Aid Pro co-Founder, Joe Messinger about changing how we plan for college. Listen in to hear how you can go from "we'll figure it out" to "let's figure it out together." Full Blog Post > https://digitalmarketing4fp.com/2021/05/19/college-planning-and-funding-advice-with-joe-messinger Resources > https://collegeaidpro.com/college-money-report/

The post Ep. 98 – Taking the Emotion Out of College Planning with Joe Messinger, CollegeAidPro appeared first on and was written by Elana Iskowitz. “There’s so much emotion wrapped up in this college buying decision, we’re saying can we help families shop smarter. You can be proactive instead of reactive using our predicted outcomes that provide about 90% accuracy for out of pocket costs, and we can have those conversations when they’re a sophomore of a junior, not when […] The post Ep. 98 – Taking the Emotion Out of College Planning with Joe Messinger, CollegeAidPro appeared first on and was written by Elana Iskowitz.

The post Ep. 98 – Taking the Emotion Out of College Planning with Joe Messinger, CollegeAidPro appeared first on and was written by Elana Iskowitz. “There's so much emotion wrapped up in this college buying decision, we're saying can we help families shop smarter. You can be proactive instead of reactive using our predicted outcomes that provide about 90% accuracy for out of pocket costs, and we can have those conversations when they're a sophomore of a junior, not when […] The post Ep. 98 – Taking the Emotion Out of College Planning with Joe Messinger, CollegeAidPro appeared first on and was written by Elana Iskowitz.

We’re excited to have student loan expert, Heather Jarvis, and college funding expert, Joe Messinger, on the show today. This year for #XYPNLIVE(ish), XYPN’s annual national conference turned virtual, Heather and Joe are offering a combined Post-Con for advisors interested in learning about the dynamic landscape of college planning and student loans. Today, Joe and Heather highlight the issue of students and parents making unprepared and uneducated decisions around these nuanced and evolving topics of college planning and student loans due to a lack of clear and concise information. Joe and Heather challenge advisors to raise the bar of advice in this space by equipping themselves with the tools and resources that their clients deserve. Most importantly, Heather and Joe remind us that clients need advisors who can listen, sympathize, and shine light on the potential long term impact of decisions around paying for college. If you want to be prepared to discuss college and student loan planning with your clients, then this show is for you. You can find show notes and more information by clicking here: http://www.xyplanningnetwork.com/275 

The student debt crisis, financial advice for high schoolers, and the value of an English degree.

My guest today is Joe Messinger. Joe started his own fee-only financial planning and investment advisory firm, Capstone Wealth Partners, in 2009 after struggling at large national financial service firm to find and provide good financial advice — especially in the area of college planning. Joe is a leading authority on college planning resources and late-stage college funding. He frequently speaks to organizations such as the FPA, NAPFA, ACP and XY Planning Network, as well as parent groups across the country.In this conversation, we discuss Joe's College Pre-Approval™ system, a revolutionary approach to providing expert college planning advice in a client-centric and comprehensive way. With Capstone College Partners (a resource for financial advisors who want to learn more about helping families with college planning) and College Aid Pro™, Joe is on a mission to educate and empower other financial advisors to raise the bar in college funding advice — and to help end the student loan crisis, one family at a time. Don't miss one of our favorite moments, when Joe explains the burden that rests on the shoulders of clients and potential clients who are planning their children's college future. Many of the service models that are alive and well in the financial industry today have no room for his type of advice. Have you said “No” to college planning for your clients' children? What hurdles have kept you from adding this service in your practice?  We hope you will find some practical ideas to try — and feel more comfortable with offering college planning resources and advice to your clients in the future. Resource Links Looking for more ideas about college planning resources and advice? Join the Model FA advisor community, where you will find expert advice on how to launch, grow, scale, and transform your firm. 

If you have college-bound kids or are thinking about funding a family member's education, this episode is a MUST LISTEN. My guest is the wonderful Joe Messinger, a financial planner who has dedicated his career to helping families pay for college. We talk about everything from the FAFSA to 529 plans. 

Wine and Dime Episode 39 - “Just hoping this B.S. pays off”, College Planning with Joe Messinger Hello again podcast listeners!! In this episode of Wine and Dime, I sit down with Joe Messinger. Joe is a Co-Founder of both Capstone Wealth Partners and College Aid Pro. Both of these firms focus on helping college students, and their parents make sound decisions on how to plan for college. As many of you know, this is a topic near and dear to my heart. I truly enjoyed my conversation with Joe and I think you all can get a lot out of this episode. So sit back with you favorite Cab Franc and enjoy the episode! E0039 - "Just hoping this B.S. pays off." College Planning with Joe Messinger Amy Irvine Download (http://static1.squarespace.com/static/5884eaf446c3c44ae817722a/t/5be2fdf58a922d43bbd980e7/1541602898927/Wine+and+Dime+E0039+-+Joe+Messinger_mixdown.mp3/original/Wine+and+Dime+E0039+-+Joe+Messinger_mixdown.mp3?download=true) Joe Messinger, CFP®, ChFC®, CLU® CO-FOUNDER & DIRECTOR OF COLLEGE PLANNING Professional Bio: 16 years of financial services experience B.S. from Penn State in 2000 Certified Financial Planner (CFP®) in 2014 Chartered Financial Consultant (ChFC®) in 2011 Member of FPA (Financial Planning Association) Columbus Business First “Forty Under 40” Class of 2013 Joe is a leading authority on late-stage college funding. He frequently speaks to organizations and parent groups such as BMI Credit Union, Westerville City Schools, At the Core, Collegewise, and I Know I Can, among others. He is also a highly regarded thought leader in the financial planning community, frequently speaking at industry conferences about his College Pre-Approval™ process. In addition, he regularly provides continuing education for Certified Public Accountants and Certified Financial Planners™ through the Financial Planning Association, XY Planning Network, and Ohio Society of Certified Public Accountants. He has also been published in the Journal for Financial Planning. Capstone Wealth Partners (https://www.capstonewealthpartners.com/) The Millennium 6037 Frantz Rd. – Ste 104 Dublin, OH 43017 Phone: 614.754.7805 (tel:+16147547805) Email: info@capstonewealthpartners.com (mailto:info@capstonewealthpartners.com?Subject=From%20Website) We chose the name “Capstone” to reflect our firm’s focus on college planning (“capstone” refers to a student’s final course of subject mastery in a higher education setting). We included “Partners” in the name to signify our intent with client relationships – that is, a real partnership built on trust and not just a one-time sales transaction. College Aid Pro™ Capstone College Partners (https://capstonecollegepartners.com/) have joined to create a brand-new college planning software for financial advisors, College Aid Pro™. As thought-leaders in the neglected area of helping families navigate the college-funding maze, CFS and Capstone College Partners are both dedicated to raising the bar in college funding advice. Gen X parents will tell you their number one financial concern is paying for their children’s college, but financial advisors aren’t trained to help families effectively in this area. College Aid Pro™ was developed the make creating a detailed college plan for your clients easier, leading to better financial outcomes. With the changing college-funding landscape, financial professionals can no longer simply tell families to save more. Helping financial advisors end the student loan crisis one family at a time, College Aid Pro is the premier tool for serving Gen X clients in a more effective and holistic way. You’ll soon find yourself working faster and with a more thorough college plan than ever before.

Joe Messinger, CFP, CHFC, CLU, is the co-founder and director of college planning at Capstone Wealth Partners, and CEO of Capstone College Partners. Joe is recognized as a trusted authority in the area of college planning and funding, and trains other financial professionals to […] The post Joe Messinger on What College Planning Can Tell Us About Developing a Niche appeared first on Becoming Referable.

We routinely receive requests for more shows with established planners who've found success implementing the strategies we champion, especially around defining your niche. Joe Messinger of Capstone Wealth Partners is the perfect example of an advisor running a firm doing just that. He specializes in helping families create a comprehensive college funding plan to maximize financial aid, minimize taxes, and effectively save for retirement at the same time.   You can find show notes and more information by clicking here: http://www.xyplanningnetwork.com/65