Podcasts about pfg

Play Episode Listen Later Feb 27, 2025 39:21

(00:00-17:16) Mt. Rushmore of 90's rap groups. Any list has to include the PFG. Time for some of Jackson's questions. A local story about underground sex parties(17:24-28:00) It's a big Dido 9:00 hour. Is this Jackson's Mt. Everest day? The legality of the sex parties from the last segment. A symphony of Frank drops. Jackson has a question about chinese food coming up in the next segment.(28:10-39:12) Doug wants more coaches in suits. Doug, do you like it when the NLFPA grades owners? One coach received an F. Woody Johnson of the Jets. Players down on the food program. Who got the F- for treatment of facilities? Falcons got some great grades. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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TMA (2-27-25) Hour 3 - PF Changs & Bowl Cuts

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Play Episode Listen Later Feb 27, 2025 43:51

(00:00-17:16) Mt. Rushmore of 90's rap groups. Any list has to include the PFG. Time for some of Jackson's questions. A local story about underground sex parties (17:24-28:00) It's a big Dido 9:00 hour. Is this Jackson's Mt. Everest day? The legality of the sex parties from the last segment. A symphony of Frank drops. Jackson has a question about chinese food coming up in the next segment. (28:10-39:12) Doug wants more coaches in suits. Doug, do you like it when the NLFPA grades owners? One coach received an F. Woody Johnson of the Jets. Players down on the food program. Who got the F- for treatment of facilities? Falcons got some great grades. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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How Retail Florists Can Sell More Local Flowers

Floral Guild Radio

Play Episode Listen Later Feb 21, 2025 46:59

Attention Florists! We're back with another episode on how to sell local flowers, this time with a closer look at building a retail customer base who understands what local is and helps you tell the story of the stems. Unlike events, retail is all about building a relationship that lasts for life. A handful of dedicated customers evangelizing about how awesome your business are what you need. Not droves of social media followers. Guest Ellen Frost, owner of Local Color Flowers in Baltimore, has a YouTube channel and a valuable weekly education email. Check them out! This podcast is brought to you by the Philadelphia Floral Guild, where we're building community around sustainable local flowers. If you're a florist in the Philadelphia area, we'd love to have you shop with us! Click here to learn how. Sign up for PFG's newsletter to get regular updates about what's in season. Not a Philadelphia area florist? Look for flower farms near you on the Rooted Farmers website or through localflowers.org. Why use local flowers? In addition to give your shop or studio a unique value proposition that will galvanize and inspire your customer base, local stems mean: Less Shrink: Without the stress of a long ride in the global supply chain, our stems are superior in quality with much less breakage and far better hydration. Less Labor: Our growers do all the work of a studio assistant, stripping stems and making fresh cuts on stems that go directly into water and never leave a water source. This means you do not have to process anything! Less Trash: There are no boxes, packing paper, bubble wrap, box straps, plastic sleeves, and all the other usual trash that comes with a flower delivery from the traditional wholesaler. Less Carbon Burned: Imported flowers in the US typically travel 2,500 or more miles in refrigerated planes, trucks and boats to reach you.

TWiB: WhistlePig Will Open The PiggyBank in Louisville, Kentucky Artisan Clubhouse Barrel Tasting, Bomberger's Precision Fine Grain Bourbon

Bourbon Pursuit

Play Episode Listen Later Jan 31, 2025 35:58

It's This Week in Bourbon for January 31st, 2025. WhistlePig will open a spot in downtown Louisville, Kentucky Artisan Distillery unveils its new Clubhouse Barrel Tasting Experience, and Michter's announced Bomberger's PFG.Show Notes: WhistlePig Whiskey to open PiggyBank tasting bar in historic Louisville bank building Sammi Katz and Olivia McGiff release Spirited Women, celebrating 55 women in spirits The Bar at Willett named a James Beard Award semifinalist for Outstanding Bar Kentucky Bourbon Trail wins Best of Business award for innovative brand refresh Kentucky Artisan Distillery launches Clubhouse Barrel Tasting Experience on January 31 Knob Creek partners with Eli Manning for limited-edition 2025 Bold Pick Single Barrel Bourbon Penelope Bourbon adds Wheated Bourbon to its Core Series, launching nationwide in February Buffalo Trace unveils Experimental Collection whiskey infused with hops, aged 11+ years Bomberger's PFG Kentucky Straight Bourbon debuts with double-barrel finishing at 100.2 proof Support this podcast on Patreon

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10-24-24 Segment 3 My Damn Cat & EMOTD

Play Episode Listen Later Oct 24, 2024 34:51

PFG performing at the Crestwood Mall. Chairman showing off a great TMA hat available at the TMASTL Shop. Gonna put the hat on the Nick Saban statue this weekend. Cramping. Iggy had chili last night in case you were wondering. Audio of a guy talking about his relationship woes. Is it a cuck? Aux was off so we finna run it back. A Paul Finebaum caller gets interrupted by his damn cat. The lesbian firefighter seems to be real. Some Longhorn fans are in the "news." 9:51 the Hawk Tuah girl reference hits. EMOTD. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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10-24-24 Segment 3 My Damn Cat & EMOTD

Play Episode Listen Later Oct 24, 2024 38:51

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The Magic 8 Ball's Guide to Retirement Planning

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Play Episode Listen Later Sep 30, 2024 16:04

Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we're turning to the Magic 8 Ball for advice on something much more important: your retirement planning! What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor? Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: Speaker 1: PFG, Private Wealth Management LLC is an SEC registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk and unless otherwise stated are not guaranteed. Be sure to first consult with a qualified financial advisor and or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance insurance. Products and services are offered and sold through individually licensed and appointed insurance agents. Speaker 1: You all remember that thrill of shaking the Magic Eight Ball to get answers to those childhood questions we couldn't wait to find out? Would we ace that math test or be famous someday? All those crazy fun questions we had when we were kids. Well, this week on the podcast, we're going to do the Magic Eight Balls Guide to Retirement Planning with John and Nick here on Retirement Planning Redefined. What's going on everybody? Welcome into the podcast. Thanks for hanging out with John and Nick and myself as we talk investing, finance, and retirement. And we're going back to our childhood with the Magic Eight Ball. Going to have a little fun with these things and shake it up and see what kind of answers we get for retirement. Then of course, let the guys give us some proper answers just in case the Magic Eight Ball gets it wrong. But guys, what's going on this week? Good to talk with you as always. Nick, how are you buddy? Nick: Good, thanks. Just staying busy. Speaker 1: Staying busy, rocking and rolling. Very good. John, my friend, how are you? John: I'm doing all right. Getting ready for this upcoming storm we have, so. Speaker 1: Oh, big fun. Yeah. John: Getting to the grocery store quick, so all the crazies don't run me over. Speaker 1: Nice. Now you got little ones. Do they still sell the Magic Eight Balls in the store? I think they still make them. Don't they? John: They do. I think we had one at one point. Speaker 1: Nice. John: And it didn't work very well, so anytime they asked a question, it would end up on the side and they're like, what does it say? And I don't know. Speaker 1: I can't see it. You got to reshake. John: It was definitely something good that entertained them for a little bit. Speaker 1: Yeah. John: But like any little kid nowadays, it lasted all for about 20 minutes. Speaker 1: Oh, yeah. Yeah. John: Like, all right,- Speaker 1: Well I'm a wee little kid of the 70s, so I thought they were great. That and the Etch A Sketch and the Stretch Armstrong, I was a happy dude, so. But anyway, let's have a little fun with this, this week here and I'll toss you guys out a question. You kind of give us the Magic Eight Ball and your answer to it, or at least what it maybe should be, so to speak. Right. So we'll make it easy to kind of get things started. John, I'll toss this one to you. Should I start saving for retirement now? What's the Magic Eight Ball say? John: Magic Eight Ball is going to say yes, definitely. The sooner you can start the better. And that goes for anybody, whether that's you in your 20s. I have some clients that right out of college started and now they're in their late 30s, and when we do reviews occasionally, it's always like, "Hey, really appreciate you kind of getting on me for starting to save," because as life happens, expenses are going up, they have kids and stuff like that, it's harder to save. But when they didn't have too much going on in their early 20s expense wise, they were definitely built up a nest egg, so. Speaker 1: Yeah. John: If you haven't started at any point, wherever you are, 20, 30, 40, it's good idea to start. Speaker 1: Yeah, I mean 50 as well, right? I mean it doesn't make a difference at this point. Waiting yet another day only causes you more problems, right? So should you start now? Definitely. And I'll give you guys kind of a little primer on the Magic Eight Ball. So we kind of looked through some of the stuff. They have, I guess what you'd call the green, kind of the positive answers, right? Stuff like the one John just got there, yes, definitely, most likely, out look good, that kind of stuff. Then they had that kind of middle of the road, nah, not so sure, right? Reply hazy, ask again later, better not tell you now, that kind of thing. And then of course they had the negatives, which was my reply is, no, very doubtful, don't count on it. So on and so forth. So we'll use those answers to kind of kick things off with each one of these episodes and then let the guys expand on it like John just did. All right Nick, so your turn, give it a go. Is a million dollars enough to retire on? What says the Magic Eight Ball? Nick: That's definitely a reply hazy, try again answer on that one. A consistent conversation that we have with people, whether it's somebody that we've worked with for a while or somebody that has come to us and we're kind of taking them through the planning process is that everybody's situation is different. Speaker 1: Sure. Nick: People love to compare things with each other, whether it's cars, houses, finances, whatever. And we try to make sure that people understand that comparing themselves even to a sibling or a neighbor or friend doesn't necessarily make sense. Some of the most common examples that we'll see are people that maybe they have pension plans because of the sort of job that they have. Speaker 1: Yeah, they saved a million, but they got a pension versus someone who saved a million and doesn't. That's a dramatically different setup, right? Nick: Correct. Speaker 1: Yeah. Nick: Correct. Yeah. And so assets are important obviously, but really the end game for assets in retirement is to generate income. So ideally people will have the combination of both, but having an arbitrary number like a million dollars is something that doesn't make a whole lot of sense. And I know that recently there's been some kind of articles in the news about, I think we just hit the highest percentage of millionaires in the US. Speaker 1: Right. Nick: And even from that perspective, dependent upon the situation, again, a million dollars isn't what it used to be. So it really just all depends. We've had clients that have had five or $6 million going into retirement that when we look at their plan, they're going to burn through that in 15 years because they spend too much. And we've had clients that are retired with five or 600,000, but they have their expenses very much in check, they have no debt and they live within their means and their plan looks great. Speaker 1: Yeah, there you go. I mean there's three of us here on this podcast and it might take a million for one and 500,000 for the other and two and a half million for the other. Right. It all just depends on where you live, how you live, all those sorts of things. So yeah, reply hazy, try again. And really what it comes down to is get a strategy, get a plan, and get the numbers crunched for your specific situation and then you're going to understand exactly what you need to get to. You're going to have a better outline versus just kind of a shaking the Magic Eight Ball. And I think the idea behind some of this too was fun. You know how you guys in the industry know this. There seems like there's always advisors out there that have a little crystal ball on their desk and they like to say, "Let me check the crystal ball," when somebody asks them a question and they're like, "Well it doesn't work today." And that's because it's not a sound way of doing things. So we thought we'd take that kind of analogy and apply it to this week's podcast. So back to you, John. Can I rely on social security for my retirement? John: Say out look not so good. Speaker 1: Right. John: Yeah, definitely not what you want to be banking on. It's a good source to have. Speaker 1: Sure. John: But you do not want it to be your only source. Speaker 1: It's big dollars. I mean it can be big dollars for a lot of people. And I think an interesting question, and I put it this way, is I've got a family member, a loved one who totally survives on social security only, but it's not what she wanted, right? So could you do it? Yes. But is it ideal? No. John: Yeah, no. I think on average social security covers maybe 30, 40% of someone's retirement income. So you have to look at where's the other money coming from. So just planning on social security I would say is not a very good plan. Speaker 1: Very true, very true. Well following that up there, Nick, give us the Magic Eight Ball answer here. Is it wise then to have multiple sources of retirement income? Nick: It is absolutely as imperative as you can get to try to have different sources of income. A conversation that we have with people consistently is that from the perspective of planning, the one thing that we know and that we can absolutely count on every single year, year after year, is that there's going to be change. And so anything that you can do to build in options, build in flexibility, allow yourself to adapt and pivot to what's going on is essential. And part of that is income streams, not only diversifying assets, but diversifying income streams. Speaker 1: Definitely. Right. So you definitely want to have those. Social security is a big piece of it, but it doesn't need to be the only one. You need to have multiple sources of income streams. All right, John, back to you. Can I expect to have fewer expenses in retirement compared to when I'm working? What's the Magic Eight Ball say? John: I'd say don't count on it. Again, I don't know, we've kind of preface this quite a bit and we've even said it today, everyone's different. So we've had some people where expenses have gone up during retirement because they want to vacation more, they want to do more things with the family. So I wouldn't say plan on that necessarily. And the only way to really find out is to do a comprehensive plan, but then there's going to be curveballs that come at you, whether it's health expenses. That tends to not go down as we get older. So maybe something could be dropping off. Speaker 1: Right. Right. John: But you never know what's going to get added. So do your plan as best you can and try to be as accurate as can. But I wouldn't have that be like the bulletproof, like, hey, my expenses are going to drop so I should be good. Speaker 1: Well, that's a great point because a lot of times people say, hey, here's our back of the napkin math. We think if we curtail this a little bit and this a little bit, we can make it work. Right. We can kind of squeak into retirement. But then you get there and you think, I don't want to do that, right? And there's certainly a lot of conversation around regrets that people have when they're talking once they get to retirement and they go, boy, I wish I would've spent more in those early years when my body would've let me go out and do some things that I wanted to. Right. So can I expect fewer expenses? Yeah, probably not, right? Because like you said, things are going to drop off, but other things are going to add and of course don't count on it. I think that was the answer Rhonda Thomas gave me when I asked her to the seventh grade dance, I think she said don't count on it. I think she must have got that from Magic Eight Ball as well. Nick: That's stuck with you. Speaker 1: Yeah, right. Exactly. It stuck with me. I'm still wounded Rhonda, if you're listening. All right, so let's do the next one here. Should I review my retirement plan annually? Nick, what says the Magic Eight Ball? Nick: Without a doubt on that one. Going back to what we talked about earlier, things constantly change. So updating the plan is really important. The most recent example of why that's important has been inflation over the last couple of years. So when we do a plan and we put in an inflation increase every year in expenses, the software still requires us to kind of update those baseline numbers. And so what we found and what we've tried to emphasize to people is that us capturing and updating those baseline numbers every two or three years is really important and gives us a much more accurate projection from the perspective of planning. So,- Speaker 1: Gotcha. Nick: Those annual reviews are important. Speaker 1: Yeah. And that's how you kind of keep track of the expense changes or the income source changes or added a grandchild, want to change this, whatever the case is. So all those annual things are certainly important. Your life's going to change, your plan has to change along with it. All right, John, will my retirement plan be affected by future changes in tax laws? Not to get political, but you have to talk policy and certainly when it comes to taxation, that's going to be part of the conversation. I mean, seems like everything is political these days, but if you're thinking about future changes in tax laws, you're going to have to certainly think along those lines as well. So what says the Magic Eight Ball when it comes to will your plan be affected by it? John: Signs point to yes. Speaker 1: 35 trillion? Maybe. Yeah. John: Yeah. So you definitely want to take that into account. I mean if you look at maybe people that retired in the 70s and then all of a sudden the 80s, your social security is getting taxed, you weren't really anticipating that happening and then,- Speaker 1: Oh yeah, the IRMAA tax, right? That gets a lot of people blindsided. John: Yeah. So you could count on taxes changing. Whether it's going to go up or down, again, we don't have our crystal ball, but we have the Magic Eight Ball here. Something's going to happen and you should be planning for that. One thing you could do when you're running retirement plans is you can have the ability to stress test it, to take a look at it. So definitely plan on it. Speaker 1: Yeah, I mean you figure, look, regardless of where your political bent is, we've got a lot of debt and so taxes are going to have to change. And even if it's not this particular administration change, this current election, right, God willing, you live long enough in retirement. If you last 20, 25, 30 years in retirement, you're going to see multiple administrations come and go. And that's going to mean multiple tax law changes because they do that every so often. Right. So the odds of that happening are pretty great. So signs point to yes, you should consider how taxation is going to affect you because it is one of the biggest pieces of your retirement strategy. What is that old saying? It's not what you make, it's what you keep, right? So make sure you're talking with qualified professionals like John and Nick when it comes to dealing with all this stuff. Let's do one or two more and then we'll wrap it up. Nick, let's toss this over to you. Let's see here. Should I focus on paying off debt before increasing retirement contributions? Nick: So I would say depending upon the debt, most likely. Speaker 1: Okay. Nick: From the perspective of consumer debt like credit cards, all that kind of stuff,- Speaker 1: Bad debt, right? Nick: That can absolutely, it's hard to argue that that's not unimportant. One thing that can be a slippery slope for people is it kind of tends to depend on their behaviors. We've had clients that have been good income earners but have at different times had debt problems. And in certain ways, whenever they pay off the debt, the debt comes back up and then they kind of find themselves not saving at all. So it's oftentimes kind of a balance of both. One of the most common sorts of comparisons from a perspective of debt is mortgage. We found that over, we had a lot of those conversations when interest rates were really low and we kind of emphasized with people to take advantage of those low rates and that's come to be a pretty beneficial sort of decision. So I would say in order, consumer debt for sure, trying to do both consecutively, both at the same time, obviously ideal, and then just kind of working through the plan and prioritizing what makes the most sense and how to deploy the money. Speaker 1: Yeah, definitely, right? I mean, debt's going to be a big component of that as well, and certainly getting rid of that, the higher interest stuff is always a good idea. So the final piece then here guys, and John, we'll let you wrap it up since you started it. Should I consider working with a financial professional as I near retirement? This is kind of a layup for you, but I'll give it to you anyway. What do you think? John: Appreciate that layup. Answer is yes. As you're getting closer to retirement, it becomes even more important to make sure you're working with someone to update the plan or start a plan and take a look at it. I would say you don't have to wait until you're near retirement. I think the answer is yes at any point. Speaker 1: Yeah. John: Even my younger clients, they always appreciate having someone they could talk to and bounce some ideas off of, whether it's not always comprehensive planning, but it's someone you could talk to discuss things. Speaker 1: Exactly. Because there's so many nuances out there and it just continues to grow and get more complex. So certainly not a bad idea at all to get qualified professionals on your side. So if you need some help, reach out to the team at Pfgprivatewealth.com. That's Pfgprivatewealth.com and don't forget to subscribe to the podcast on Apple and Spotify or whatever platform you like using. It's Retirement Planning Redefined with John and Nick from PFG Private Wealth. And we'll see you next time here on the show and enjoy the Magic Eight Ball. We'll catch you later. Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.

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Good Publicity Austin Holmes

Move Swiftly

Play Episode Listen Later Sep 18, 2024 29:35

After graduating from UCF, Austin Holmes embarked on an adventurous path as an EOD Tech in Navy Special Operations. Alongside this demanding role, he developed a keen interest in real estate, acquiring and managing multiple properties before deciding to sell his entire portfolio. In the latter part of his Navy career, Austin crossed paths with Heather, a dynamic entrepreneur committed to making a positive impact while building wealth. Together, they have played a pivotal role in scaling PFG to a seven-figure business, with aspirations to grow even further. Their team of 27 is driven by shared vision and excellence. As the business thrived, Austin and Heather expanded their ventures into new territories. They launched a digital media outlet, established three e-commerce stores, and became partial owners in 23 QSRs, collaborating with exceptional partners. Their journey also included a year and a half of traveling across the country in an Airstream, culminating in their marriage and the selection of a new home. https://www.linkedin.com/in/aaustinholmes/ https://publicityforgood.com/

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Endings and Beginnings

Pope Francis Generation

Play Episode Listen Later Aug 30, 2024 98:21

In this episode, Dominic and Paul reflect on Pope Francis Generation and share more in-depth about why Paul is making the change to Third Space. We are so grateful for this podcast and for you, our listeners. We've had some incredible interviews with guests the past two years and so many conversations with listeners who have reached out after hearing something on the podcast that resonated with them. We are grateful for all the relationships that have grown from this podcast. Thank you. The episode today is both the final episode of PFG and the first episode of Third Space. But after today, if you want to continue getting Third Space episodes, you will need to subscribe to Third Space in your podcast app (search for “Paul Fahey Third Space”). LINKS: Third Spacewww.catholicthirdspace.com Dominic de Souzahttps://dominicdesouza.com/ Smart Catholicshttps://smartcatholics.com/ Legand Fictionhttps://legendfiction.com/ ABOUT DOMINIC DE SOUZA SmartCatholics founder, Dominic de Souza, is a convert from radical traditionalism – inspired by WherePeterIs, Bishop Robert Barron, and Pope Francis. He is passionate about helping ordinary Catholics break the ‘bystander effect', and be first responders. “We don't have to be geniuses. We just have to show up with witness and kindness. Christ does the rest.” Today he hosts the SmartCatholics community. https://smartcatholics.com ABOUT SMARTCATHOLICS If you enjoyed this episode, please share it with your one friend you think would really like to see it. Come and regroup with us in the free, Catholic community on smartcatholics.com We're free of trolls and ads and toxicity, faithful to the Holy Father Pope Francis and the Church, and committed to a culture of kindness and learning. Sound like you? Come and join us. Join the free community: https://smartcatholics.com

The Young and the Restless (w/ PFG and Zach Langley Chi Chi)

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Play Episode Listen Later Aug 17, 2024 141:31

"We were confronted with the very disturbing reality that young America had lost so much of its innocence. Innocence as we had known and lived it all our lives had, in so many respects, ceased to exist." "My very firm conviction is that today, chemistry has replaced 'hospital life and death crisis' as the prime emotional force of daytime. Man-woman chemistry. Live, flesh-and-blood people who can get the adrenaline flowing. Damn nifty people who can turn you on and keep you turned on. That's what it's all about today as never before. Chemistry surging through our veins. Sure, there are those who deny themselves--or say they do. Those who turn away--or say they do. But don't you believe it...Because either physically or emotionally, one way or another, we all feel the need to be needed, of being wanted, of knowing the touch, conquest, and surrender of another human being." -William J. Bell Equipage by Hermes (1970) + William J. Bell and Lee Phillip Bell's The Young and the Restless (1973- ) with PFG and Zach Langley Chi Chi of I'M SO POPULAR 8/16/24 S6E62 To hear the complete continuing story of The Perfume Nationalist please subscribe on Patreon.

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Standing Together Against Food Waste

Effecting Our Altruism

Play Episode Listen Later Jul 22, 2024 60:02

I was pretty inspired to hear Allison's story of walking her beliefs for so many years, and what she's learned. Everyone you have ever met touches the food system, in which Allison's centered her advocacy efforts. Protecting human health, preventing climate change, preserving habitats, effecting farmed animal welfare, and improving the economy. While Alison's work has focused on the Canadian system, I suspect that similar changes can apply to many places. Allison Penner is the Executive Director of Reimagine Agriculture (ReAg), which is helping to create a sustainable, resilient, and compassionate food system. She fights food waste and loss, educates the public, and advocates for policy to enable meat alternatives. She studied Environmental Governance and Political Science at Guelph, and was named a Clean50 Emerging Leader of 2023. Thanks to my amazing producer Chad Clarke for being essential in putting this show together. All mistakes are mine. Reimagine Agriculture https://www.reimagineagriculture.org/ Donate to ReAg here https://reimagineagriculture.nationbuilder.com/donatereag Share your story to get featured on ReAg! https://www.reimagineagriculture.org/share-your-story & EAGxToronto applications are open until 31 July at 11:59 pm Eastern–apply now! https://www.effectivealtruism.org/ea-global/events/eagxtoronto-2024 Also! We're a PFG! Profit4good.org

How are Canadians confronting the dangers posed by AI?

Effecting Our Altruism

Play Episode Listen Later Jul 15, 2024 39:01

We had the pleasure of speaking with Mario Gibney, who decided years ago that he couldn't just wait for someone else to take action on AI safety. In 2022, Mario co-founded AI Governance and Safety (AIGS) Canada to push the national conversation forward. Through movement and policy advocacy, AIGS is helping Canada become a leader in AI governance and safety. I recommend reading their concise white papers to get a summary of the issues. We learn how Mario got into this line of work, what Canadians think about the state of AI Safety these days, and things to get excited about in the Toronto scene. I leave you with a message about how to deal with the emotional toll of AI doomerism. Thanks to my amazing producer Chad Clarke for being essential in putting this show together. All mistakes are mine. Artificial Intelligence Governance & Safety Canada aigs.ca LessWrong https://www.lesswrong.com/ Slate Star Codex https://slatestarcodex.com/ Astral Codex Ten https://www.astralcodexten.com/ 80,000 Hours https://80000hours.org/ Center for AI Safety https://www.safe.ai/ Future of Life Institute https://futureoflife.org/ EAGxToronto applications are open until 31 July at 11:59 pm Eastern–apply now! https://www.effectivealtruism.org/ea-global/events/eagxtoronto-2024 We're a PFG! Profit4good.org

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Take the Fork: Yogi's Wisdom on Making Financial Choices

How to Trade Stocks and Options Podcast by 10minutestocktrader.com

Play Episode Listen Later Jul 11, 2024 16:32

In this episode, we're diving into some famous words by the one and only Yogi Berra. You might know him for his legendary baseball career, but Yogi was also a goldmine of wisdom. We'll spin some of his classic quotes into financial advice. It's all about viewing things through the right lens—so let's see what financial insights we can uncover from Yogi's memorable sayings! Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: Speaker 1: PFG, Private Wealth Management LLC is an SEC registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk and unless otherwise stated are not guaranteed. Be sure to first consult with a qualified financial advisor and or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance insurance. Products and services are offered and sold through individually licensed and appointed insurance agents. Marc Killian: In this episode, we're going to dive into some famous words from Yogi Berra. We're right in the heart of baseball season, so it seems fitting to do a little classic wisdom from Yogi and some financial lessons here with the guys. This is Retirement Planning Redefined with John and Nick. Speaker 3: The rules of retirement have changed. No longer can most of us rely on social security or a single pension to fund our futures. We're living longer and retirement doesn't just last a handful of years anymore. Instead, you might stay retired for 20 or 30 years and maybe even more. We need to look at retirement through a new lens with fresh eyes, with a new approach and plan of attack. Here to answer the call are financial advisors John Teixeira and Nick McDevitt of PFG, Private Wealth Management, serving you throughout the Tampa Bay area. This podcast is Retirement Planning Redefined, and it starts right now. Marc Killian: Hey, everybody, welcome into the podcast. Thanks for tuning in to the podcast here with John and Nick and myself. And I don't know why I said podcast twice, but I did. Thanks for hanging out with us and we're going to talk about Yogi Berra. We're going to take the fork in the proverbial road, and have a conversation with the guys and just get some financial lessons from some classic Yogi-isms. This guy had some great, great, great quotes through the years. Fantastic baseball player, obviously a legend, but his quotes were pretty good as well. So we're going to talk about that this week here on the podcast. What's going on, Nick? How are you, my friend? Nick McDevitt: Doing pretty good. Getting over a little bit of a cold, but finally turned the corner. Marc Killian: Yeah. Okay. I know you're a football fan. Are you a baseball fan as well? Nick McDevitt: I grew up a big baseball fan. My grandfather... My mom's side of the family is Cuban, so baseball's a huge deal. And I grew up a Mets fan, which is torture, but really kind of phased out of baseball probably over the last maybe seven, eight years, harder to kind of hold the interest. Marc Killian: Gotcha, okay. All right. Nick McDevitt: Yeah, but did grow up really enjoying baseball. Marc Killian: Nice, nice. Well, John, how are you doing, my friend? And what about you? Did you enjoy your baseball growing up or are you a fan? John Teixeira: More of a basketball and football fan, but no. Growing up in Boston, you kind of automatically get sucked into the Red Sox aura. Growing up, I could understand Nick's pain, but then they kind of pulled through as in my college years. But I will say I'm excited. The Celtics is just won the NBA Championship, so- Marc Killian: This is true. Again, yeah. John Teixeira: That's a good thing I'm happy about so. Marc Killian: Yeah, and they've got quite the team, so there's a good chance you might see them again next year in the run for it as well. John Teixeira: Yeah, yeah, let's hope so. Let's hope so. Marc Killian: They're stacked pretty well. John Teixeira: Marc, real quick question as we talk about football is what do you think of Drake Maye? He was there in North Carolina. Marc Killian: Yeah, it was interesting. Curious to see how he's going to do. I don't know. I mean, he played pretty well here, so we'll see how it translates. When they go to the NFL, you never know, right? It's a crapshoot. Didn't work out so well for Trubisky when he went to Chicago. John Teixeira: No, it didn't. No, it didn't. Marc Killian: So we'll see how it goes for Drake, but let's get into some baseball here. We'll talk about some Yogi Berra Again, this guy had some classic lines here, so this should be a little fun. And really they're kind of fitting not only to just finance, but just our world seems today. Yogi's been gone for a while now, but these things kind of fit with our society and the crazy world that we're living in. So let's jump in. Whoever wants to take this first one here. Pretty apropos considering what we've been facing the last couple of years, when Yogi said a nickel ain't worth a dime anymore. Boy, that's the truth, isn't it? Right now? John Teixeira: Yeah, that couldn't be any more true than right now in the kind of time we're in. Inflation over the last few years, really, post COVID has just gotten, ramped it up with the supply chain issues and then the influx of cash going in. It's just a double whammy with what's been happening and as it relates to planning, I've seen a lot of clients happen to really pick and choose what they're spending money on because primarily the cost of food. And I could tell you myself personally, I feel like my food bill has doubled, but not 6 or 7%. I feel like certain things have doubled in the last few years. So inflation is a big thing you got to be aware of when you're doing your finances. And then here in Florida, and Nick can speak to this, and what we've seen is the homeowners insurance is outrageous. Marc Killian: Oh, I bet. Yeah. Nick McDevitt: Homeowners and car insurance have really been a huge, basically like a rocket ship. As far as expenses, John mentioned the groceries. One of the things that we do from a planning standpoint is, especially in times like this, I think where some people kind of make a mistake is they start to really mess with the inflation rate that they use in the planning instead of just repricing where their expenses are now versus where they were maybe a couple of years ago. But from the standpoint of between groceries, car insurance, homeowners insurance, we have a huge section of clients that those numbers, those three categories specifically have probably doubled in the last three or four years. Marc Killian: After the hurricane a couple of years ago, I imagine some of that got worse too, yeah? Nick McDevitt: Yeah, but we have hurricanes every couple of years. Marc Killian: That one was just obviously pretty massive. Nick McDevitt: For sure. And the hurricanes have a big impact on the car insurance. So a lot of people- Marc Killian: Right. That's what I was thinking. Yeah. Nick McDevitt: ... yeah, don't necessarily think about that per se. Marc Killian: All the flooding and stuff, yeah. Nick McDevitt: Yeah. Some of the other laws that are in the state of Florida based around insurance make it on the higher side in general, but companies have really ramped those up. Marc Killian: Oh, I'm sure. Yeah. Nick McDevitt: I think Citizens, which is kind of the insurer of last resort, which is state-backed, just I think applied and got approved for, I want to say a 14% increase. So there's a lot of pressure on people right now, especially in Florida. Marc Killian: For sure. All right, well a nickel ain't worth a dime anymore. Yogi had that one, right? How about this one, guys? I mean, you got to love the simplicity of his lines. If you don't know where you're going, you might wind up someplace else. Yeah, I mean if you don't know where you're going, you could end up someplace completely different. Nick McDevitt: Yeah. It is funny when reading through some of these how apropos they tend to be and how they line up from an industry standpoint where having a plan, having stated goals that you're working towards, having a clear vision of what it is that you want in retirement, make a really huge impact on your habits and overall the probability of having a successful retirement. So these quotes have really kind of stood the test of time. Marc Killian: Oh, for sure. Yeah. Johnny, he said the future ain't what it used to be. And again, if you think about the world we're living in right now, how many people of a certain age are like, "Man, that could not be more true." But even from a society standpoint, but also even just in what you guys do, it's not what it used to be when it comes to finance and retirement planning, even just a couple of years ago. John Teixeira: Things have changed drastically. You look at my parents, they worked for the most part at one place, had a pension, retired, and it was pretty easy for them from a retirement standpoint. They had to really keep their expenses in check. But when they retired, it was Social Security, pension, luckily cost of living adjustments on both of those things to keep up with what we discussed there with inflation, but it was much easier. But what's happened throughout the last, I'd say 10, 15 years, maybe 20 years or so, as the companies have been putting the risk onto their employees to say, "Hey, you know what? We're not going to do the pension anymore, but we'll still give you a benefit. But retirement, your investment is now going to be your responsibility." "While you're working to make sure you're investing the right amount and picking the right options, and then while you retire, now it's on you to figure out what's the best solution for supplementing your retirement income." So it's definitely ain't what it used to be, which is very important to make sure that when you do retire, it's a different game where it's not accumulation. You have to realize that money needs to last throughout your retirement and you have to put together different strategies to make sure that it does do that, not just like you have a pension that's going to guarantee for life so. Marc Killian: Yeah, all the changes to the Secure Act, both versions, clearly the onus is more and more things have been put saying, "Hey, this is on us to do what we got to do for our futures here." And they're putting some rules in place to kind of help out a little bit, but at the same time, if you're not reading the tea leaves, you're going to get left behind there. And that's why you got to work with a financial professional to really help you get sound advice so that you can be set for retirement. I should have segued it this way because, Nick, if you don't, it's going to be like deja vu all over again, which is another Yogi-ism, which is classic. Nick McDevitt: Yeah, it's things changing rapidly. It's interesting because there's always kind of the perspective of zoom out. We talk about that a decent amount where from a smaller sample size or even if we look at things from a micro standpoint, yes, the way that the tools in investing change rapidly or have changed quite a bit in the last few years, how AI is coming along and what the impact of that's going to be and those sorts of things. But when you zoom out, these things are cyclical. So even though the technology may be very new and the way that maybe things react are different than they were before, there's been other times in history where the technology at that point has been new and the way that things react are different. And there's a lot of different quotes out there about how history is really kind of the greatest teacher. And when you zoom out, so many of these things have happened before. The subplots are different, but so many of these different things have happened before. And it kind of goes back to having a good plan, having the ability to adapt to what's going on, kind of not painting yourself in the corner because really the only certainty that we have is change. So it's pretty wild. Marc Killian: That's a good point. And John, I think for this kind quote was like deja vu all over again. Most people kind of feel that way about the market. It's like, "Oh man, here I go again." Especially if you got burned at any time for any amount, it's like even a little dip here or there. And it gets you a little panic, especially if you are over 50 because you start thinking, "I can't afford to get rocked again." Even though... And the weird thing about the current time that we're in is news is always changing and always causing issues, but sometimes this market kind of just kind of rebounds and you think what's going to be the next thing that does it? And soon as you think it's going to happen, it doesn't happen. So it's very hard to read right now. John Teixeira: Yeah. Yeah. It is definitely hard to read because people... Just looking at clients, it's, "It is now the right time to put money that's been on the sideline to get back in?" And it's always hard to determine when that is and try to time things. It comes back to the kind of fundamentals of staying the course and not really panicking depending on what's going on. Because like Nick said, there's always going to be something happening. Things may change a little bit, but there's always going to be something happening in the world. So you stay the course, stick to the plan, and you find those people do much better than the ones that kind of jump around based just looking at behavior. Marc Killian: Okay. Well let's wrap it up here with a final Yogi-ism, for us sports fans of any kind for your team if they're not doing well, it works appropriate for that, because it ain't over till it's over. And that's pretty classic line for any kind of sports mantra. You still got a chance maybe to come back in. I mean, just look at what's going on right now as you guys are in Florida with the Stanley Cup, right? So we're taping this episode here before the final game seven's going to happen, and who would've thought that being up 3-0, Florida would mess up and allow Edmonton to get back in it and tie it up and go to a game seven? So it's not over until it's over, depending on what your viewpoint is, and I guess you could say the same thing from a financial standpoint. If you've made some mistakes, it doesn't mean it's completely over. Get a strategy, start working on it. Nick McDevitt: We've had kind of conversations recently with people where there's been a good run. COVID was an up and down year, but outside of the market drop in last year, which a lot of people have almost forgot about, things have been good, really post recession, Great Recession. So we're talking 10 plus years at this point, and some people have kind of taken a step back and some of these changes that are happening with the inflation that we talked about and maybe a little bit more volatility, we're in an election year, all these sorts of things. It's important to make sure that you keep updating, try to stay on top of things, don't necessarily just kind of check out. So I think it's important to stay engaged and involved. John Teixeira: Going through the ups and the downs of planning, talking about the Stanley Cup here, you want to make sure also when you're building a plan, you want to stress test things to understand when things do really get tough, what is your plan going to look like? So we just did this with a few of our clients where we test market downturns. Things have been good for a while. What happens in your plan if all of a sudden we have two years of negative 15, negative 20%? How does your plan look? If it doesn't look good, what are we going to do to adjust it? You can stress test it with taxes, inflation. Just making sure that whatever happens, whatever scenario you run in, you're flexible to adapt to it. And if you currently can adapt, making sure we understand how do we make you adapt. Nick McDevitt: And even just to kind of add to that, and this ties in with some of the things that we had already talked about. A little perspective is always good from the standpoint of three years ago, four years ago, whenever we were a couple of months into the pandemic, in reality this was an event that most of the people alive had never been through before. Everything changed and then there's still obviously fallout from it, but we got through it. And when you think about it from a planning perspective and markets and all that sort of thing, sometimes taking perspective of what you've actually been through, what you've seen, and the fact that we were able to move through it is really important. Marc Killian: Yeah, for sure. I mean, when it first started, the market first started dropping, that initial bit there, people were having the reaction that we're going to see it drop 50% like it did in 2008 or '09. It wound up maybe being 30 or so percent. But then it also rebounded within just a couple of months, so a lot faster than people thought. So it is not over till it's over. So these are some good Yogi-isms, and it all kind of works really well with financial planning and strategizing. So if you need some help with that, make sure that you're reaching out to John and Nick. If you're already working with them, that's fantastic. Make sure you subscribe to the podcast. If you're not, maybe share the podcast with others who might benefit from checking out the message and the conversation. And you can find them online at pfgprivatewealth.com. That's pfgprivatewealth.com. And you can subscribe to Retirement Planning Redefined on Apple or Spotify or whatever platform you like using. Just type in Retirement Planning Redefined or again, visit them on their website for all the tools, tips and resources at pfgprivatewealth.com. Guys, thanks for hanging out. And John, good luck with the new puppy you got. John Teixeira: Thanks, appreciate it. Marc Killian: Appreciate it. Nick, hope you're feeling better, my friend. We'll see you next time. Nick McDevitt: Thank you.

The Holy Grail of Trading? | 3.21.24 OVTLYR Trading Room

Play Episode Listen Later Mar 22, 2024 32:44

Get lifetime access to the world's best AI stock trading assistant for just $79! But hurry, this deal ends soon!

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From Small Town To The C-Suite: Meet Deanna Strable, CFO of PFG

Secrets of Rockstar CFOs

Play Episode Listen Later Mar 5, 2024 35:36

Jack McCullough is joined by Deanna Strable, CFO of Principal Financial Group. In this episode, she shares the biggest changes she played a role in since she joined this financial services company, as well as her relationship with their CEO. She explains how they are navigating growing client needs in the middle of high-interest rates and lingering inflation. Deanna also opens up about her role in PFG's audit committee, doing some volunteer work, her advocacy for women's leadership, and starting a workout cohort.To book a demo with Payhawk, click here. (https://payhawk.com/en-us/demo?utm_medium=organic&utm_source=sponsorship&utm_campaign=en-uk_podcast_rockstar-cfo)

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Episode 281: Eduardo Baraf, Pencil First Games

BOARD GAME BINGE

Play Episode Listen Later Feb 14, 2024 31:02

Eduardo is the founder of Pencil First Games, a boutique publisher of delightful, high-quality board and card games. PFG is best known their nature themed games such as Floriferous, Herbaceous, Sunset Over Water, The Whatnot Cabinet, Skulk Hollow, Lift Off! Get me off this Planet and other titles.Currently, they have a Kickstarter running for their new game bundle Nature Games Trio: Sunrise, Snowfall, & Floriferous. Check it out: https://www.kickstarter.com/projects/ebaraf/sunrise-at-the-studio-snowfall-over-mountains-floriferousFOLLOW US ON: Facebook: https://www.facebook.com/groups/boardgamebingeInstagram: https://www.instagram.com/boardgamebingepodcast/ Twitter: https://www.twitter.com/boardgamebingeWHERE TO FIND OUR PODCAST:Spotify: https://open.spotify.com/show/5RJbdkguebb3MSLAatZr7riHeart Radio: https://www.iheart.com/podcast/269-board-game-binge-72500104/Tune In: https://tunein.com/embed/player/p1344218/Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vYm9hcmRnYW1lYmluZ2U=Apple Podcasts: https://podcasts.apple.com/ca/podcast/board-game-binge/id1522623033Visit Our Websites: Board Game Binge: https://boardgamebinge.com/Tin Robot Games: https://tinrobotgames.comElixir Board Games: https://www.elixirboardgames.com/our-games

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Mary Hartman, Mary Hartman (w/ PFG)

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Play Episode Listen Later Jan 12, 2024 155:05

Odeur 53 by Comme des Garçons (1998) + Gail Parent and Ann Marcus's Mary Hartman, Mary Hartman (1976-77) with PFG 1/12/24 S6E7 To hear the complete continuing story of The Perfume Nationalist please subscribe on Patreon.

CDLA L'INVITÉ - FABIEN LACAZE - 01/11/23

C dans l'air

Play Episode Listen Later Nov 1, 2023 10:44

C dans l'air, l'invité du 1er novembre 2023 - Fabian de Lacaze, directeur de la communication de PFG "Pompes funèbres générales") Le 1er novembre correspond à la fête catholique de la Toussaint. En France, comme dans plusieurs pays européens, c'est un jour férié. Cette journée précède celle des défunts, qui a lieu le 2 novembre et qui, elle, n'est pas fériée. C'est la raison pour laquelle les Français vont traditionnellement au cimetière le 1er plutôt que le 2 novembre. La Toussaint est célébrée en l'honneur, comme son nom l'indique, de tous les saints “connus et inconnus” de l'Église catholique latine. Depuis plusieurs années, PFG (pompes funèbres générales), 1er réseau de services funéraires en France, constate une forte évolution des pratiques funéraires. Les Français sont de plus en plus nombreux à souhaiter des alternatives aux obsèques traditionnelles et à concevoir ce moment comme une célébration de la vie du défunt. Une étude PFG réalisée par YouGov propose un décryptage sur trois tendances du secteur. D'abord, la tendance de la couleur pour le choix d'un cercueil est plébiscitée par 20 % des Français qui souhaiteraient un cercueil de couleur pour leurs obsèques. Ensuite, de plus en plus de Français souhaitent personnaliser leurs obsèques avec de la musique diffusée lors des cérémonies. Enfin, d'autres attentes émergent pour les animaux de compagnie. Fabian de Lacaze est directeur de la communication de Pompes funèbres générales. Il reviendra sur l'étude PFG réalisée par YouGov qui propose un décryptage sur trois tendances du secteur qui désacralisent la cérémonie d'enterrement.

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Episode #183 - Change The Programme

The Common Weal Policy Podcast

Play Episode Listen Later Sep 13, 2023 27:39

Episode 183 of the Common Weal Policy Podcast You can download the episode directly here.This week, Craig plays with the format of the podcast slightly. Instead of just one guest, he's spoken to several members of the Common Weal team about last week's Programme for Government and what they would have added to it if they had written it themselves.You can read Craig's detailed analysis of the PfG here: https://commonweal.scot/programme-for-government-2023-24/Common Weal's work is only possible thanks to our generous supporters who regularly donate an average of £10 per month. If you would like to help us build our vision of an All of Us First Scotland, you can do so here: https://commonweal.scot/donate/The Policy Podcast would like to discuss all of Common Weal's policy papers in detail as well as other major policy stories in and around Scotland so if there are any topics that you would like to see covered or if you have an interesting policy story to tell and would like to be a guest on the show, please contact Craig at craig@common.scotYou can also find us on iTunes, Spotify, Castbox, Stitcher, Tunein, iHeart Radio and other major podcast aggregators.You can also add the podcast to your RSS feed using this link: https://feeds.buzzsprout.com/264906.rssThemeExcerpts from "Hiding Your Reality" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/Support the show

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Brian Armbrustmacher - Vocation and Discernment

Pope Francis Generation

Play Episode Listen Later Aug 21, 2023 74:04

This week, Paul talks with his good friend, Brian Armbrustmacher, about discernment and vocations. In a PFG first, this conversation was recorded in person. Brian was a seminarian for the Diocese of Lansing, Michigan, and this fall he is beginning formation with the Franciscan Friars of the Renewal (CFRs) in New York. Brian shares his personal vocation story as well as some of the things he has learned about prayer, discernment, and what it means to discover your vocation. “To discern our personal vocation, we have to realize that it is a calling from a friend, who is Jesus…I want you to know that, when the Lord thinks of each of you and what he wants to give you, he sees you as his close friend. And if he plans to grant you a grace, a charism that will help you live to the full and become someone who benefits others, someone who leaves a mark in life, it will surely be a gift that will bring you more joy and excitement than anything else in this world. Not because that gift will be rare or extraordinary, but because it will perfectly fit you. It will be a perfect fit for your entire life.” (Christus Vivit 287-288) ABOUT POPE FRANCIS GENERATION Pope Francis Generation is the show for Catholics struggling with the Church's teaching, who feel like they might not belong in the Church anymore, and who still hunger for a God of love and goodness. Hosted by Paul Fahey, a professional catechist, and Dominic de Souza, someone who needs catechesis. Together, we're taking our own look at the Catholic Church– her teachings and practices- from 3 views that changed our world: the Kerygma, the doctrine of theosis, and the teachings of Pope Francis. Together, with you, we're the Pope Francis Generation. SUPPORT THIS SHOW: This show is brought to you by Pope Francis Generation, a project to explore Catholicism inspired by Pope Francis. Founded by Paul Fahey, you can follow the newsletter, join the group, and become a supporting member. Your donations allow us to create the resource you're enjoying now as well as much more. Paid subscribers get to watch each episode before everyone else and receive subscriber only posts. Check out: popefrancisgeneration.com ABOUT PAUL FAHEY Paul lives in Michigan with my wife, Kristina, and five kids. He's a catechist, retreat leader, counseling student, as well as a contributor and co-founder of Where Peter Is. ABOUT DOMINIC DE SOUZA SmartCatholics founder, Dominic de Souza, is a convert from radical traditionalism – inspired by WherePeterIs, Bishop Robert Barron, and Pope Francis. He is passionate about helping ordinary Catholics break the ‘bystander effect', and be first responders. “We don't have to be geniuses. We just have to show up with witness and kindness. Christ does the rest.” Today he hosts the SmartCatholics community. smartcatholics.com JOIN FATHERS HEART ACADEMY Discover the truth and hope of Church teachings through a study of magisterial documents, access to Paul Fahey's podcasts and articles, and a supportive community of learners. Join here: http://www.fathersheartacademy.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/popefrancisgeneration/message

John McCauley, Founder, Preferred Funding Group, A DotCom Magazine Interview

The DotCom Magazine Entrepreneur Spotlight

Play Episode Listen Later Jul 27, 2023 26:02

About John McCauley and Preferred Funding Group: John is an expert in the field of corporate financing and business credit building. He shares his knowledge on financing trends to help companies raise the needed funds to grow their business. John has the exceptional ability to think creatively and uniquely based on his client's specific situation. He is the “Go-To Guy” clients trust when seeking additional capital. As a consultant at Preferred Funding Group, John raises capital for startups, small businesses, and large businesses, John expertise ranges from raising capital for real estate projects, establishing start up funding for the enterprising entrepreneur, and securing working capital for large companies, He works with numerous local, regional, and national commercial lenders, credit unions, and private equity firms. Preferred Funding Group tracks these lender's trends and requirements in order to position their clients to receive the most capital, with the lowest interest rate, as quickly as possible. If there is no approval, there is no fee. John and his team have navigated constantly changing business environments to raise more than $50 Million for his clients. We Are Your Preferred Funding Group Solution To Start Or Grow Your Business Secure the funding you need to start or grow your business with help from our trusted team of Experts! Whether you're looking to start a new business or looking to grow your business, a personal or business loan from PFG can make your plans into a reality. We offer cash term and credit options for any company, whether they are a brand new start up with no revenue or a seasoned business looking to take things to the next level; PFG offers funding ranging from $50,000 to $500,000+ All of our funding is unsecured and requires no collateral or minimum length of time in business. At PFG our mission is to bring white-glove customer service back into the funding world. We feel this is something that is missing in this industry. PFG strives to give every single client the best possible experience and the most tailored funding possible for their unique situation. We take pride in having extremely competitive rates and terms, and in most cases, getting clients much more funding than we pre-qualified them for. Preferred Funding Group believes in the highest quality of customer service and that if you operate in full transparency and integrity, you will become a pillar in the industry that you are in! The secret to our success at PFG is our team consisting of funding specialists with over 35+ years of combined funding experience. . Our specialists are committed to ensuring that the process of securing funding for business is seamless. Alongside this, our specialists keep up with the latest technologies, process and methodologies regarding securing funding.

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90. How it's made: On Silk with Hilmond Hui

Manufactured

Play Episode Listen Later Jun 27, 2023 25:09

To understand the process, benefits and barriers within regenerative sericulture, we go back to Kim's conversation from November 2021 with Hilmond Hui, Vice President of international clothing enterprise PFG and its subset Bombyx. Hilmond tells us more about Bombyx, which was formed in 2018 with a focus on regenerative silk production and transforming the way silk is produced, traded and consumed. Their Nanchong Ka Fung (NCKF) facility is located in the northeast of China's Sichuan province, and they're on a mission to do everything from dirt to fabric and beyond.

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Guiding Light (w/ PFG)

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Play Episode Listen Later Jun 1, 2023 136:33

Youth-Dew by Estée Lauder (1953) + Irna Phillips's The Guiding Light (1937-2009) with PFG 6/1/23 S5E42 To hear the complete continuing story of The Perfume Nationalist please subscribe on Patreon.

How to Master PR for Your Purpose-Driven Brand

KAJ Studio Podcast

Play Episode Listen Later May 23, 2023 23:15

In today's competitive market, purpose-driven brands are emerging as a powerful force, driven by their commitment to making a difference. In this video, Heather Holmes, the founder and CEO of Publicity for Good, a top PR firm for purpose-driven consumer brands, shares valuable insights on how to master PR for such brands. ABOUT THE GUEST Heather Holmes is the CEO and Founder of Publicity For Good (PFG). Former Miss Ohio International, she leads the firm with a mission to partner with people and companies who are committed to making the world a better place. Heather has been featured on ABC, CBS, NBC, FOX, Entrepreneur, iHeart Media, Business Insider, MSN, Forbes and Inside Edition to name a few. Holmes, who runs PFG from her Airstream, has been named as one of the most sought-after PR professionals for CPG brands. She was a Forbes 30 Under 30 nominee, PRNEWS Top Women in PR 2021 Entrepreneurs Award, Platinum PR Awards CEO Finalist 2021 and Ragan's PR Daily Award – PR Leader of the Year for 2021 and has been working with CPG clients for nearly a decade. Connect here: https://publicityforgood.com/ https://www.linkedin.com/in/heatherde... KEY TAKEAWAYS Purpose-driven brands are companies or brands that aim to make a difference and have intentional values and missions. PR agencies play a crucial role in helping purpose-driven brands maintain their desired narrative and authenticity in the face of challenges such as competition and negative comments. Building a brand story and reflecting on key moments in the founder's journey are essential for creating a compelling narrative. Aligning brand values with marketing efforts is important, and brands should consistently embody their values and mission in their daily operations. Purpose-driven brands in industries like F&B, beauty, health and fitness, and fashion rely on PR agencies to help convey their stories and address consumer questions and concerns related to issues like sustainability and authenticity. ABOUT THE HOST Khudania Ajay, a writer podcast host, and independent journalist, brings global Masters of Money and Business to his audience through The KAJ Masterclass LIVE. With 20-plus years of experience in renowned organizations like CNBC (India), Reuters, and Press Trust of India (PTI), Ajay now helps his audience succeed through his LIVE Masterclasses. Connect here: https://www.linkedin.com/in/ajaykhuda... Contact for event speaking or hosting: kajmasterclass@gmail.com ABOUT THE KAJ MASTERCLASS LIVE Join senior journalist Khudania Ajay on The KAJ Masterclass LIVE podcast, where you can learn and profit from the insights and experiences of global business leaders almost daily. This podcast is designed to assist small business owners, entrepreneurs, and students in learning from successful brand builders. Channel: / @kajmasterclass Apple Podcasts: https://apple.co/3yr7nrD Other platforms: https://pod.link/thekajstudio Newsletter / Blog: https://khudania.substack.com/ Apply to be a guest on the show: kajmasterclass@gmail.com FOLLOW US ON SOCIAL Website: https://thekajmasterclass.live/ LinkedIn: https://bit.ly/3y2yKrM Twitter: https://twitter.com/kajmasterclass Facebook: https://www.facebook.com/khudania.ajay Instagram: https://www.instagram.com/kajmasterclassSHOP MY FAVORITE PRODUCTS AND SUPPORT MY CHANNEL Discover my curated selection of favorite products/services on my affiliate marketing page. By purchasing through the provided links, you support my channel at no extra cost. I earn a small commission from each sale, helping me create high-quality content for my followers. Thank you for your support! *Note: 'NUP' (Not Used Personally) indicates products/services I haven't personally tried. News & Magazines https://the-economist.sjv.io/nL4VB6 https://thehustle.co/join?ref=dcc7ca5756 Apparel & Clothing https://www.ethnicsland.com/ Contact us for brand collaboration: kajmasterclass@gmail.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/kajmasterclass/message

Eve Tushnet - Helping gay Christians experience God's extravagant love

Pope Francis Generation

Play Episode Listen Later Apr 3, 2023 73:27

This week, Paul and Dominic interview Eve Tushnet about her wonderful book, “Tenderness: A Gay Christian's Guide to Unlearning Rejection and Experiencing God's Extravagant Love.” Our discussion had two key themes. The first is that gay men and women are, in fact, relentlessly and tenderly loved by God and have a place in the Church. The second is that gay folks often experience harm in the Church ranging from outright discrimination and bullying to casual spiritual abuse. And, as Eve points out, those experiences are an “anti-catechesis” that proclaims that God is more like an abusive boyfriend than a loving father. A quick note, Eve was recovering from pneumonia when we recorded this episode, so please excuse what she called her Darth Vadar voice. Eve Tushnet is a freelance writer, a Patheos blogger, and the award-winning author of Gay and Catholic. She also has written two novels, is the editor of the anthology Christ's Body, Christ's Wounds, and has contributed to several books, including Sex and the Spiritual Life. Tushnet has written on the paths of love available to gay Christians for a wide range of publications, including America, American Conservative, Commonweal, and Christianity Today, and online for Atlantic, New York Times, and Washington Post. She has spoken at multiple conferences for LGBT Christians. She also writes and speaks on the arts. Tushnet lives in Washington, DC. Book:https://www.avemariapress.com/products/tenderness Building Catholic Futures:https://www.kickstarter.com/projects/catholicfutures/building-catholic-futures Eve's email:eve_tushnet@yahoo.com PFG episode, Pastoral care for LGBTQ Catholics:https://www.popefrancisgeneration.com/p/pastoral-care-for-lgbtq-catholics ABOUT POPE FRANCIS GENERATION Pope Francis Generation is the show for Catholics struggling with the Church's teaching, who feel like they might not belong in the Church anymore, and who still hunger for a God of love and goodness. Hosted by Paul Fahey, a professional catechist, and Dominic de Souza, someone who needs catechesis. Together, we're taking our own look at the Catholic Church– her teachings and practices- from 3 views that changed our world: the Kerygma, the doctrine of theosis, and the teachings of Pope Francis. Together, with you, we're the Pope Francis Generation. SUPPORT THIS SHOW: This show is brought to you by Pope Francis Generation, a project to explore Catholicism inspired by Pope Francis. Founded by Paul Fahey, you can follow the newsletter, join the group, and become a supporting member. Your donations allow us to create the resource you're enjoying now as well as much more. Paid subscribers get to watch each episode before everyone else and receive subscriber only posts. Check out: popefrancisgeneration.com ABOUT PAUL FAHEY Paul lives in Michigan with my wife, Kristina, and five kids. He's a catechist, retreat leader, counseling student, as well as a contributor and co-founder of Where Peter Is. ABOUT DOMINIC DE SOUZA SmartCatholics founder, Dominic de Souza, is a convert from radical traditionalism – inspired by WherePeterIs, Bishop Robert Barron, and Pope Francis. He is passionate about helping ordinary Catholics break the ‘bystander effect', and be firstresponders. “We don't have to be geniuses. We just have to show up with witness and kindness. Christ does the rest.” Today he hosts the SmartCatholics community. smartcatholics.com JOIN FATHERS HEART ACADEMY Discover the truth and hope of Church teachings through a study of magisterial documents, access to Paul Fahey's podcasts and articles, and a supportive community of learners. Join here: http://www.fathersheartacademy.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/popefrancisgeneration/message

The Next Step in Business Funding | Business Ninjas: WriteForMe & Preferred Funding Group

Business Ninjas

Play Episode Listen Later Mar 16, 2023 27:23

Join our resident Business Ninja Max, together with Lending Specialists at Preferred Funding Group, Jill Budz and Victoria Petitt, as they talk about the benefit of taking a people-oriented approach to funding. The ideal client for them is someone looking to grow and expand their business, so they are able to assist in that by leveraging personal credit to get them the funding, making sure their prospects are able to qualify for what they offer — putting their white-glove customer service at the heart of what they do.At Preferred Funding Group, their mission is to bring white-glove customer service back into the funding world. PFG believes in the highest quality of customer service and that if you operate in full transparency and integrity, you will become a pillar in the industry that you are in. They offer cash term and credit options for any company, whether they are a brand new start up with no revenue or a seasoned business looking to take things to the next level; PFG offers funding ranging from $50,000 to $500,000+. All of their funding is unsecured and requires no collateral or minimum length of time in business.Learn more about how Preferred Funding Group can help your business grow by visiting their website at https://preferredfundinggroup.com/.-----Do you want to be interviewed for your business? Schedule time with us, and we'll create a podcast like this for your business: https://www.WriteForMe.io/-----https://www.facebook.com/writeforme.iohttps://www.instagram.com/writeforme.io/https://twitter.com/writeformeiohttps://www.linkedin.com/company/writeforme/https://www.pinterest.com/andysteuer/Want to be interviewed on our Business Ninjas podcast? Schedule time with us now, and we'll make it happen right away! Check out WriteForMe, more than just a Content Agency! See the Faces Behind The Voices on our YouTube Channel!

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The Samuel and Manuel Movie Podcast Ep. 223 – 1992 Year In Review

Samuel And Manuel Movie Podcast

Play Episode Listen Later Sep 20, 2022 180:41

Rachel Corp joins Sammy and Manny in taking a look back at the year 1992 as they reassess the Oscars with 30 years hindsight. After deciding if the Academy Awards got right back in 1992, the trio then list off their Top 10 films of 1992 as well as the PFG's Top 10.

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Absolutely Fabulous w/ PFG

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Play Episode Listen Later Aug 4, 2022 72:02

Moschino by Moschino (1987) + Jennifer Saunders's Absolutely Fabulous (1992-2016) with PFG 08/03/22 S04.173 To hear the complete continuing story of The Perfume Nationalist please subscribe on Patreon

47. Von Fans für Fans Teil I - Patriots Fankultur bester Güteklasse

Trashtalk Patriots

Play Episode Listen Later Jul 21, 2022 24:15

Gemeinsam mit Frank dürfen wir erstmalig Thomas, den Gründungsvater der Patriots Fans Germany Gruppe (Facebook), bei uns im Podcast begrüßen. Zusammen beleuchten wir im Vorfeld auf die kommende Season die deutschsprachige Fankultur der Patriots. Dabei werfen wir einen Rückblick auf die Entstehung der PFG als "Dachverband" sowie auf die vielen fleißigen und engagierten regionalen Fangruppierungen! Hört gerne rein, wenn ihr mehr über das Zusammenwirken wissen wollt! Patriots-Fans-Germany Gruppe auf Facebook: https://www.facebook.com/groups/142764162529790 Bist du noch nicht Teil des bei den Patriots eingetragenen Fanclub von Trashtalk Patriots? Dann tritt unserer Community offiziell auf Patriots.com bei: https://fanclubs.patriots.com/invite/2ihkb Football is Family ♥ Go Patriots! https://www.instagram.com/trashtalk.patriots/ https://twitter.com/PatsTrashtalk https://www.facebook.com/PatsTrashtalk/ Du möchtest unser Projekt zudem auch finanziell unterstützen und dir exklusive Vorteile sichern? Dann werde Patreon und supporte uns: https://www.patreon.com/join/TrashtalkPatriots

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48. Von Fans für Fans Teil II - Patriots Fankultur bester Güteklasse

Trashtalk Patriots

Play Episode Listen Later Jul 21, 2022 22:02

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Heather DeSantis Create a “Purpose Driven” Company

Savvy Business, Life Unscripted

Play Episode Listen Later Jun 6, 2022 10:59

Heather DeSantis is a Top Millennial publicist, Forbes 30 Under 30 nominee and CEO of Publicity for Good, a purpose driven public relations firm. PFG is America's #1 PR firm for purpose-driven brands & influencers that are focused on business as a movement, force, and mission for good. Heather has been featured on ABC, CBS, NBC, FOX, Entrepreneur, iHeart Media, Business Insider, MSN, Forbes and Inside Edition for her life of living and working full time from an Airstream travel trailer with her fiancé Austin. www.publicityforgood.com See acast.com/privacy for privacy and opt-out information.

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The Citizens Assembly on Drugs Pt2 with Labour TD, Aodhán Ó Ríordáin

The Echo Chamber Podcast

Play Episode Listen Later Mar 16, 2022 36:38

There was disappointment recently when the Government announced 2 Citizens Assemblies, but not the one on Drugs as promised in the PfG. Joining me to discuss this is long-time campaigner for a harm reduction model and Labour TD, Aodhán Ó Ríordáin. He outlines why he became active in the decriminalisation of drug users area, what his time as Minister for Drugs was like and how Snr Civil Servants and Conservative Parties make progress very difficult. We also discuss the idea that Tánaiste Leo Varadkar could become Taoiseach later this year despite being the subject of a criminal investigation and what he made of the No Jobs for Convicts political theatre. Join us at patreon

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The Smalls talks to Pennica Financial Group!

The "SmallsCast" Podcast

Play Episode Listen Later Jan 24, 2022 47:08

Listen in to this weeks Smalls Cast Podcast as your hosts "Just Nate" and DK talk to Alan Bridges, a financial advisor, for Pennica Financial Group. Listen in as Alan talks about the changing financial environment we are all about to see happen soon. Pennica Financial Group is an independent financial services company in Colorado Springs that serves Colorado and many other states. For over 22 years, we have served the needs of clients that truly want to work with an independent financial professional – a professional that has the client's interests at heart and provides open solutions – not proprietary products or services. PFG is privately held which means we do not take direction from a behemoth corporate organization. This allows us to provide objective opinions, guidance, and counsel to our clients. We do not compromise our ability to objectively serve our client's interests, and will work with anyone who has a strong interest to improve their financial situation. The size of your asset pool does not inhibit our ability to serve your needs. Alan discusses the different type of Retirement Plan options that are designed for Small Businesses. 1. Solo Entrepreneur's (SEP) 2. SIMPLE 3. 401(k). Colorado will be implementing the Colorado Secure Savings Program soon, tune in now to find out how it will affect your small business today. What is the Colorado Secure Savings Program? On July 17, 2020, Governor Jared Polis signed into law Senate Bill 20-200, a measure creating the Colorado Secure Savings Program. This program is a state sponsored retirement program. Procedures for enrollment, investments, and administration are currently being developed by the Colorado Secure Savings Board. Who must participate in the Program: • Employers who have 5 or more employees • Employers with No Qualified Retirement Plan in the last 2 years • Employers who have been in business for a minimum of 2 years Employee: • Has taxable wages subject to income tax • Age 18 or older • Has worked for 180 days Automatic Enrollment: Employers must automatically enroll employees unless the employee opts out of the program. Payroll Deduction Amount: The default contribution amount is 5% and the program must have automatic adjustment of contributions. Contributions withheld are after tax and sent to a Roth account. Fines for Non-Compliance: Up to $100 per eligible employee, per year, with maximum of $5,000 per calendar year. Fines begin one year after the program is established. --- Send in a voice message: https://anchor.fm/thesmalls/message Support this podcast: https://anchor.fm/thesmalls/support

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045: Rod Fox | Founder & Managing Partner Tiger Risk | Executive Chairman | Philanthropist

The Victory Podcast

Play Episode Listen Later Jan 17, 2022 66:47

Rod Fox is the Managing Partner and Executive Chairman of TigerRisk Partners. TigerRisk is a global reinsurance and capital advisory firm, working with a high-end group of insurers.Prior to founding TigerRisk, Rod served as the Chief Executive Officer of Praetorian Financial Group where he led the re-structuring, re-branding, and successful sale of the $2B specialty property and casualty insurer to QBE the Americas.Prior to PFG, Rod was the founder and Chief Executive Officer of Benfield Group's US reinsurance platform where he oversaw the profitable growth of the business while delivering industry leading trading margins. He was a member of the Board of Benfield and was instrumental in their initial public offering on the London Stock Exchange. He was also involved in numerous industry transactions, including the growth of Benfield's capital markets advisory business, the first Florida JUA depopulation, a restructuring of Allstate Group's catastrophe exposure, and the formation of Montpelier Re.Rod started his career at E.W. Blanch Co., a privately held reinsurance intermediary. He was involved in EWB's initial public offering and enjoyed various positions within EWB; ultimately becoming President and Chief Operating Officer.In conjunction with Jim Stanard, the former CEO of RenaissanceRe, Rod formed F&S Ventures in 2008, a privately-held insurance investment firm.Rod holds the CPCU designation and is a graduate of Middlebury College and the Executive Risk Management Program at the Wharton School of the University of Pennsylvania. He serves on numerous industry boards and is active with the Navy SEAL Foundation. He has also completed the half and full IRONMAN endurance races.

#187 Guy Hands - Financier & Investor

Inspiring Leadership with Jonathan Bowman-Perks MBE

Play Episode Listen Later Dec 6, 2021 56:20

Guy Hands, who was born in 1959, graduated with an MA in Politics, Philosophy and Economics from Mansfield College, Oxford, and then went to work for Goldman Sachs International where he became Head of Eurobond Trading, and then Head of Goldman Sachs' Global Asset Structuring Group. He left Goldman Sachs in 1994 for Nomura International plc where he established PFG before spinning out Terra Firma as an independent private equity firm in 2002. Since then, he has overseen the investment of €17 billion of equity in 35 businesses with an aggregate value of €48 billion. In 2012, Guy was named the 20th most influential figure in Private Equity International's '100 Most Influential of the Decade'. He established Terra Firma Capital Partners Limited's commitment to donate 10% of annual pre-tax profits to local initiatives in London, while Terra Firma Capital Management Limited supports numerous charities in Guernsey. He is also President of 'Access for Excellence' which promotes access to higher education. Additionally, Guy is a fellow of the Duke of Edinburgh's award scheme. In 2018, Guy was awarded Spear's 'Philanthropist of the Year'. He is also a member of the University of Oxford Chancellor's Court of Benefactors. See acast.com/privacy for privacy and opt-out information.

070. Hilmond Hui: How Bombyx is Transforming the Way Silk is Produced, Traded and Consumed (Part 2)

Manufactured

Play Episode Listen Later Nov 16, 2021 25:06

In part 2 of this chat Hilmond Hui, VP of Bombyx and VP of PFG, talks barriers: if regenerative silk is so great, why doesn't everyone do it?

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S04EP03 What is Regenerative Agriculture? Special Guest Hilmond Hui, Vice president of PFG

Sustainably Influenced

Play Episode Listen Later Sep 27, 2021 23:26

Today we are going to discuss the steps after sustainability. To be sustainable is great and it is something we strive for here on Sustainably Influenced, however the term “sustainability” itself is unclear. What exactly are we trying to sustain? What can we do to rebuild after the mass devastation to the planet? We need to look forward and look towards the future. Vice President of PFG and head of their BOMBYX Silk division, Hilmond Hui leads a team in defining consciously-made silk for the industry. A second generation of his family's international business, Hilmond has been immersed in the world of garment manufacturing all his life. From this family legacy and experience, he's witnessed the challenges with conscious production methods in silk. In Hilmond's mind, things like quality and construction have always gone hand in hand with social responsibility and sustainability to create a garment. It starts from the source of the raw materials, leading him to create the world's cleanest silk at the very same point of origin of this ancient textile. Hilmond has always followed a path that marries ancient and modern thinking. Having studied Communications at Ryerson University in Toronto, Hilmond brings a global perspective to operations. Currently, Hilmond works closely with numerous departments including raw material development and sourcing, product and development, merchandising, corporate social responsibility and sustainability, production, and marketing.

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5 Westerns with PFG

Deep Rex

Play Episode Listen Later Jun 21, 2021 120:04

The one and only @LondonPFG stopped by and Westerns were the order of the day. I could have discussed many more films with him, but we kept it more or less to 10. PFG on the Dallas TPN episode PFG on the Knots Landing TPN episode Scott Walker - The Rope and the Colt Deep Rex on Twitter

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Within Tolerance Episode 97 - Spencer Webb

Within Tolerance

Play Episode Listen Later Jun 11, 2021 164:07

Have you even come across Spencer Webb's page and thought "what makes this guy tick?". Well grab your favorite beverage, pull up a chair, and listen in as Spencer tells us his story. From the MIT Pistol team, to getting his pilots license, to designing antennas for some amazing challenges Spencer shares the circuitous route he took to end up where he is as antenna consultant and purveyor of precision PFG stones. Help support the podcast! https://www.patreon.com/Withintolerancepodcast

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Ep 82: Eduardo Baraf, Pencil First Games

BOARD GAME BINGE

Play Episode Listen Later Mar 29, 2021 36:07

Eduardo is the founder of Pencil First Games, a boutique publisher of delightful, high-quality board and card games. PFG is best known their nature themed games such as Herbaceous, Sunset Over Water, The Whatnot Cabinet, Skulk Hollow, Lift Off! Get me off this Planet and other titles. Currently, they have a Kickstarter running for their new game, Floriferous: https://www.kickstarter.com/projects/ebaraf/floriferous (https://www.kickstarter.com/projects/ebaraf/floriferous) Check out Eduardo's youtube channel, Gaming with Edo here:https://www.youtube.com/user/EdoBarafu

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Glass Talk Episode #20: The Marketing Guy – Rich Porayko, Construction Creative

GlassTalk

Play Episode Listen Later Mar 12, 2021 50:41

Rich is probably the only person in Canada who is both a writer and a glass guy. With over 70 articles under his belt and a new gig as the back page columnist for Glass Canada magazine, Rich also has a long track record as a marketing consultant with the likes of Binswanger Glass, Hartung, Garibaldi Glass, PFG, the National Glass Association and others. He's seen enough to have some opinions and isn't shy about sharing them. We get into the exploding market in sneeze guards, the possible future of office towers, the dos and don'ts of marketing a glass business and the forces in this country that are preventing industrial development like Xinyi's float glass proposal.

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31 - Syndicate

The Atari Jaguar Game by Game Podcast

Play Episode Listen Later Mar 6, 2021 162:01

Set your cybernetic sights on world domination in Syndicate! Get a handle on the controls, concoct an unofficial overlay, peruse reviews from around the world, and question the ESRB rating in this episode about Bullfrog's cyberpunk classic. Oh, yeah, and check out several previously-undisclosed cheat codes. Also included is feedback from RJ, the Lost Dragon, PFG 9000, tripled79, MightyFrog, cubanismo, Kyle, Louis, and Bobby Tribble! Woohoo! All that plus storytime involving out-of-context Atari, and nerds makin' noise in the computer lab. Full show notes can be found at https://atariage.com/forums/blogs/entry/17232-31-syndicate/ Next up: Rayman! KEEP ON THINKING

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Ep 29: Understanding Annuities - Fixed Index

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Play Episode Listen Later Feb 16, 2021 18:01

This is the final installment for our annuity mini-series. We will wrap things up by diving into fixed-index annuities. We get more into the finer details of some properties of annuities and also take a look at how these contracts are typically structured.Helpful Information:PFG Website: https://www.pfgprivatewealth.com/Contact: 813-286-7776Email: info@pfgprivatewealth.comDisclaimer:PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.Transcript of Today's Show:For a full transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/----more----Speaker 1: Back here for another episode of the podcast. Thanks so much for listening to Retirement Planning Redefined with John and Nick from PFG Private Wealth. They are financial advisors serving you here in the Tampa Bay area. 813 286-7776 is how you get ahold of them if you've got some questions or concerns about anything you hear on our show, or really any others when it comes to your retirement plans. Speaker 1: And this week on the podcast, we're going to continue on with our annuity session. This is part three, and we're going to talk a little bit about indexed crediting strategies as well as indexing methods. And that sounds fancy, so we'll let the guys break it down. But first, we'll say what's going on. John, how are you, my friend? John: I'm good. I'm good. I was, this morning, just getting some quotes on artificial grass. It was- Speaker 1: Oh, that sounds fun. John: ... very interesting to look at the different samples of them. Speaker 1: The different samples of artificial grass. All right. Who would've thought, right? John: Not me. Speaker 1: It's a strange thing you can do. That's for sure. Nick, how are you doing, buddy? Nick: Definitely not looking at artificial grass, but doing pretty well. Staying busy. Speaker 1: Good. At the time we're taping this podcast, your Bills won a playoff game, yeah. Nick: Yeah. Yeah. First time in quite a while. And they continue to take years off of my life, but at least it's a lot more enjoyable to watch now. Speaker 1: I totally forgot to ask you, because as a Bills fan, you finally get rid of Brady in your division, but he moved to the town you're in. Nick: Yeah, it's pretty interesting. I mean, I've been in Tampa Bay since '03. I moved down the July after they won the Super Bowl, so they were pretty popular. And then Florida is such a different town from a sports perspective, and Tampa Bay, specifically is obviously all I have experience with. But there's so many people from other areas that it's just different. Whereas, the Bills, in Western New York, are kind of like a way of life. It's been an interesting... The Bucs have a chance, we'll see, to be the first team to play a Super Bowl in their home stadium, which would be kind of interesting. And then if it ended up being against the Bills, that would be double interesting. Speaker 1: Yeah. Some of those ghosts could be haunting them, so they're probably hoping to not see him once again. But, anyway. Nick: Yes. Yes. Speaker 1: We'll get into financial topics and we'll talk sports another time, but I just wanted to ask you about that. So good stuff, indeed. So guys, what am I talking about or what are we talking about here today on this annuity session? What are some of the features and some of the things we need to be thinking about? Nick: Yeah, this will be the last in the series of the annuities that we talk about. And just like anything else, we view ourselves as informational and educational. And because annuities are such a topic that there's so much information out there about, there's plenty of positives and plenty of negatives, that we want to make sure that we go through these different things. Nick: And so this session is going to be focused on what are called fixed index annuities, which can be confusing, just like anything else. There are some more moving parts, but we have found over the years that for those people that are pretty conservative and risk averse in looking for opportunities to have some sort of upside from the market, but are not comfortable having much downside, that these are something that can make sense for them. So we're going to spend the session kind of going through and talking about them. John: To compare these to the last session we talked about, you can expect a higher interest rate than a fixed annuity, over a long-term period. And comparing it to the variable annuity, it doesn't have the same potential because you're tied to a specific index and there's some restrictions to it, which we'll go through. John: So this is really a good hybrid in between, if you're looking for, like Nick mentioned, you want some principal protection. But the negative to a fixed annuity is, hey, I'm locked into this rate, I can't really get much more. How can I get more? And then this fixed index would actually accomplish that because if the market does go up, there's potential to actually go up with the market to a point. John: Something to understand with these, again, important in all annuities, understand the fees that you're in. And while typically... Again, I hate using the word, but we have to. Older contracts, we haven't seen fees in these, but there are some newer ones where they are having some fees within the contract. And the way that they explain that is, hey, if we put this fee in here, well actually, there's more growth potential on your crediting methods. John: So just understand if you're looking at any of these, like anything, you want to look at the surrender period, you want to look at the surrender charge, you want to look at the fees. I mean, those are three important things to look at in any annuity contract, and especially with these. Nick: So in general, the term index annuity really comes from the structure of how they credit growth inside of these contracts. One of the most popular indexes that are used in these sorts of contracts is the S&P 500. And the way that the contracts essentially work is they will offer different indexes that they will provide crediting towards, and use that index as the barometer for how it works. Nick: So just to super simplify it, what'll happen is they'll say, okay, there are different rates and John's going to different sorts of structures and John's going to kind of get into that. But they'll say, okay, between the time that you open this contract and a year from that period of time, we're going to track the index. In this case, we can call it the S&P 500. We're going to track the performance of that index over time and then we're going to give you a percentage of the performance of that index. And that percentage can change for year to year, and they declare it on each anniversary. Nick: And so that's what provides you with the upside within that contract. However, and this is the reason that many people will use this sort of contract is, if the S&P 500, in this example, let's say it drops 10 or 15% between now and 12 months from now, you're not going to participate in that down portion, that downside, you're just not going to get credited anything. So essentially what ends up happening is that you're flat for the year. Nick: So when these things talk about not having the downside or protecting your principal, that's what they're referring to. So if the S&P 500 is up 10%, you'll get a percentage of that growth and John, we'll talk a little bit about how they may credit that. However, if it's down 10%, you're just going to not lose any money that year. It's going to be flat. Nick: So that's the general principle of how it works and which index is used, how much they credit, that's all the due diligence that happens when people choose which contract to go with, but in a very basic sense, that's how it works. John: Yeah. And to really explain it, I think, let's give an example of that. So if you're in a participation rate, and let's say you start with $100,000, and like Nick said, the most popular one is the S&P 500. And by participation rate, let's say it's 50%. So what that means is you're going to get 50% of the S&P 500 on the upside. So if you're in contract January 1, 2021, they'll look at the S&P 500 on January 1, 2022. If the S&P 500 has gone up let's say, 20%, your contract is going to credited 10%. Again, that's 50% of the 20% gain. So if you start out with 100,000, your account is now at 110, okay? John: A benefit to this is that actually your 110 now is your new floor. So when you get credited, that's actually your floor moving forward. So, example, let's say year two, you're still in a 50% participation in the S&P, S&P goes down negative 10. You're year two, basically what's going to happen now is the 110 is now your floor, you stay at 110. Now you move on to year three to see what the S&P 500 does. John: So that's one crediting method, participation rate. They also have a cap rate. So, that's kind of like a ceiling. So, you could have an S&P 500, again, index that you're monitoring or are kind of shadowing. And your cap is 6%. So what that means is, you're going to get up to 6% of the S&P 500 growth. So same example, 100,000, let's say you have a 6% cap. The S&P goes up 20%, in this scenario, you only get 6% because that's your ceiling, okay? So basically 6% your cap, that's all you're going to get that a hundred thousand now, after the one year, it's going to be at 106, because you got 6%. Year two, again, S&P drops, you stay at your 106. John: So, just important to understand the different crediting methods. There's one more called a spread. This is kind of like a fee, but it's only taken off if there's gain. So a spread could be like 1.5%. And again, let's use the S&P 500. If it goes up by 7%, they take 1.5% off of that gain. In the same idea. You get the credit for that year, it locks in your balance at that point in time, and that's kind of your new floor. John: So important just to understand you have participation rate, cap rate, and a spread. Those are the most popular, they're not the only ones. There's actually a lot more, but those are the three that we typically see. We don't have enough time today to really go through each one, but those are the most common. And I'd say kind of when we're using these strategies, those are typically the ones that we use, because they're just simple to understand. Nick: Yeah. And some of the other things to look out for, if let's say you already have an existing contract and because these insurance companies, they can change those rates that John walked you through from year to year, maybe one year your cap was 6%, but they drop it to 3% on the S&P 500, it may make sense to look at another index. So most contracts have a menu of indexes that you can choose from, from year to year, and they allow you to change your choice on an annual basis. Nick: So what we've seen is people may get complacent and they've had the same index for a couple of years and because they know that there's not really market risk per se, they just leave it. And they haven't realized that those rates have changed and what they've been in, their potential is much lower. And, usually what ends up happening is that they may lower some, but they may increase others or there may be other opportunities and other portions. Nick: So it's important to look at it on an annual basis, take a look and see what changes they've made to the contract and if it makes any sense to make a change. And some of the options aren't just a one-year option, they may offer a two year option. That could have much better rates and that could be an opportunity as well. Nick: So even though it's a vehicle, a tool that can be used, sometimes there's complacency that kicks in because there isn't perceived risk and just like anything else, doing your due diligence each year and adapting to what's happening within the contract can really, really pay off for people and they can try to maximize or take advantage of the opportunities that are within the contract. Speaker 1: It sounds like any financial product where sometimes people just want to set it and forget it. And that's not always the best strategy having. And that's where you can do with reviews and things of that nature, but just kind of checking on these things is certainly a good idea is what I'm hearing. Nick: 100%. 100%. And I will say too, that in our last session on variable annuities, we talked a little bit about some of the riders that are available that can provide people with guaranteed income. And many times there are those writers available on these fixed index annuity contracts as well. So they can be a tool that provides future guaranteed income, but maybe provides options with less fees than a variable contract or higher guarantees than a variable contract, which is something that can be used from a comparison perspective. John: Yeah. And to jump into what Nick was saying about the indexing methods changing, it's important when you're looking at some of these companies that you go with a quality carrier and look at their track record. Because the last thing you want to do, and we've seen this where, one company might be offering a very competitive cap rate, let's say 8% or something like that. And then once you're in the contract with them, they all of a sudden lower their cap rate to four. And it's like, Whoa, now I'm with this company for the next seven years, because that's my surrender period and they've just lowered their rates on me, you know? John: So that's where doing your due diligence on what company am I going with, what's their ratings, what's their track record? Are they a good company I want to be with for the next five, seven years? And that's where it's important, if you're working with an advisor that they're doing their due diligence, and you're doing your own to make sure that if you're going to be with this company that they're going to do right by you, if you're going to be with them for that period of time. John: It may sound like we harp on it quite a bit, but the pitfalls are important to understand. Make sure that the company that you're looking at is a reputable company and has strong financial ratings. Pay attention to the surrender charge period with these contracts, where people have that and tripped up is we've seen people locked into contracts that are 15 years long, 18 years long, which really can be pretty tricky. So making sure that you understand how that's structured. And then, like John said, getting some historical background on how often they change their indexing rates. And if they're really just kind of using teaser rates to get people locked in. John: So just like anything else, it can be a piece of the pie. And oftentimes where it's most appropriate would be for people that are pretty conservative investors looking for a little bit more potential, especially in this current environment where rates for CDs and money market accounts and that sort of thing are so low. Speaker 1: Yeah. Again, when we talk about these things, it's always important to remember and realize that like anything in life, you should always do your own due diligence, as well as when you're working with an advisor, or when you're looking for an advisor to work with. Make sure that you're going through the proper steps, do some of the homework, and then take the time to find out is this product right for you? Don't just jump into anything because it's something you hear on any particular show or a talking head or whatever the case is without seeing how it might relate to your specific situation. Speaker 1: And if you need help with that, whatever type of annuity it might be, or any other financial product, because annuities can be a bit polarizing, have those conversations reach out to John and Nick, they're here to help in the Tampa Bay area 813 286-7776. If you've gotten this email through a newsletter or a blast or something like that, or whatever the case might be, and you haven't yet subscribed to the podcast, feel free to do so, certainly would be appreciated. If you'd like to get more content as they come out, you can simply go to pfgprivate wealth.com. You can find the podcast page there, pfgprivate wealth.com. Speaker 1: You can also find a lot of good tools, tips, and resources, and reach out to John and Nick. You can also subscribe through your favorite app or whatever that might be. Just search out retirement planning, redefined, and hit the subscribe button. A lot of times it's a heart or a thumbs up or something like that, search the type retirement planning redefined in the search box, or just call 813 286-7776. Speaker 1: John, Nick, thanks guys for your time in this series on annuities, a lot of good information. They do get a little complicated sometimes, so again, it's really important for people to understand and have a good working knowledge of this, especially if they're considering it. So I appreciate you guys sharing some of your knowledge. John: Cool. Thanks Marc, have a good one. Speaker 1: John, appreciate it, bud. Take care of yourself and we will talk next time here on Retirement Planning Redefined with John and Nick from PFG private wealth.

Death in Venice w/ Christlover2000 and PFG

san diego padres firing blake snell hot stove yu darvish ack firing up kiz pfg

Play Episode Listen Later Jan 17, 2021 148:46

Krizia Teatro alla Scala (1985) + Luchino Visconti's The Damned (1969) + Death in Venice (1971) with Ashley Christlover2000 of Girls Talk and PFG ep.93 01/16/2021 To gain access to the full catalog of TPN content please support us at https://www.patreon.com/perfumenationalist

death venice damned scala girlstalk luchino visconti tpn pfg

70: Firing up the Hot Stove

Pop Flies and Grounders

Play Episode Listen Later Jan 2, 2021 62:52

Ack and Kiz return for a holiday edition of PFG. Recorded minutes before the Padres traded for Yu Darvish, the guys nevertheless discuss the Blake Snell trade and all the other moves that have been made so far in the offseason, before getting into some speculation on what other moves are to come. They also … Continue reading 70: Firing up the Hot Stove →

184: Lies & Rhymes: Presidential Election Disorientation

Pussy Fart Gang

Play Episode Listen Later Nov 4, 2020 63:01

This week, enjoy a blissfully ignorant episode from the past. Recorded in the early mid-morning hours of Election Day, listen to your moms as we come to you from the past. Are we in full on Civil War? Callers, call in! Wendi is deep in the heart of Texas on a business trip. Has she been murdered by masked villains? Or unmasked villains? Either way, fingers crossed we’re all murdered. Megan gets all snuggled up in the basement bunker listening to her favorite musical artist Lil’ Pump waiting for the end of days.We hope you all voted. We hope you’re all safe. And we hope no matter what the outcome of the election, we’ll all be meeting up soon at the PFG compound. *** Shout out to OG member @jd_heathen for creating the disturbing IG account @pfgsounds and the FB GROUP: Pussy Fart Gang Gang *** Pretty please check out (and hopefully join) our Patreon page: http://patreon.com/pfgpod You get an extra full length episode per week PLUS access to our group chat parties! Most importantly, you are helping us pay to produce the show so... thank you!! We love ya!! **Megan Rice** Instagram: @handsomepartybutt BAKED GOODS! @mistersbakeshop ‘ShOuT yOuR AbOrTiOn!’ get your copy here ~~~> www.shoutyourabortion.com **Wendi Starling** Twitter: @wendistarling Instagram: @wendibird82 Only Fans: only fans.com/wendistarling NeW pOdCaSt: IG: @iloveyou.please.stop “Funny Pains” available NOW on Amazon Prime, Google Play, Fandango Now and Vimeo: funnypains.com

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The Anna Nicole Show w/ Dan Thrall and PFG

fantasy skyscrapers thrall tpn anna nicole pfg

Play Episode Listen Later Oct 20, 2020 105:29

Fantasy (2005) by Britney Spears + Raymond Martino's Skyscraper (1996) + The Anna Nicole Show (2002-04) with Dan Thrall and PFG ep. 88 - 10/17/2020 To gain access to the full catalog of TPN content please support us at https://www.patreon.com/perfumenationalist

Olga Misty - PFG The Progcast - Episode 29 (16 September 2020) #29

Olga Misty Mixes

Play Episode Listen Later Oct 2, 2020 79:36

Большое спасибо команде PFG за приглашение! 01. Ultravizion, Jelly For The Babies, Eleonora - Amber Lake [3rd Avenue] 02. Nopi - Bentibol (Original Mix) [Telematique] 03. GMJ - Rite of Passage [Meanwhile] 04. Nava, Smyk - Different Decisions (Nosh & SJ Remix) [Stripped Digital] 05. Dowden & Adrian Roman - White Rain (Simos Tagias Remix) [Clubsonica Records] 06. Lucas Rossi - Kaleidoscope (Yashar Remix) [Dopamine White] 07. Rick Pier O'Neil - Earth Mover (Savvas Remix) [Proton Music] 08. EMPHI - Attraktionen [Hoomidaas] 09. Michael A - Slipflow [Proton Music] 10. Paul Deep (AR) - Prelude (Original Mix) [Serendeep] 11. Goraieb, Luciano Scheffer Feat. Sarah Chilanti - Believe (Andre Moret Remix) [Balkan Connection] 12. Michael A - Tension [Typ3 Records] 13. rAin (MU) - Reflections (Sasheen Remix) [INU] 14. Carlos Tk - Hope (Weird Sounding Dude Remix) [Transensations Records] 15. Kamilo Sanclemente & Dabeat - Lonely Space (Alex O'Rion Remix) [Plaisirs sonores Records] 16. Marsh - Gjipe (Extended Mix) [Anjunadeep] 17. Kohra - Akarshan [Qilla Records]

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EPISODE 56: Streets are for seats

Una and Andrea's United Ireland

Play Episode Listen Later Jun 26, 2020 90:48

The overspill of people on to the streets as a result of our socialising being restricted to public space because cafes, pubs and restaurants are closed has really highlighted the lack of amenities we have in our towns and cities when the commercial providers are taken out of the mix. Which begs the question, who is public space for (or not as the case may be) and can we enjoy it if we're not spending money? We talk to Joan O'Connell from Streets Are For People and Green Party Cllr Claire Byrne about the seating situation as well as the anticipation around the PfG votes.

streets seats pfg

Access to Justice with Attracta Uí Bhroin Ep.313

The Echo Chamber Podcast

Play Episode Listen Later Jun 23, 2020 37:33

Just before the election Fine Gael tried to rush through a bill that would make it harder for the average person get access to justice. Guess what is or is not back on the table in the PfG? We were delighted to be joined by Environmental Law Officer with the Irish Environmental Network, Attracta Uí Bhroin to talk about this, what it means and why we all need to cry stop! We also discuss the intentional vagueness of the PfG, but the certainty of the trade deals. This is a fascinating insight into how the system, imperfect as it is, works currently and what it may soon scarily become. A must listen. Join us: patreon.com/tortoiseshack

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Access to Justice with Attracta Uí Bhroin Ep.313

Reboot Republic Podcast

Play Episode Listen Later Jun 23, 2020 37:33

fine gael access to justice pfg

Ep 21 : Roth Conversions

Savvy Business, Life Unscripted

Play Episode Listen Later Jun 1, 2020 13:48

With our tax brackets being at historically low rates, many people are looking at implementing Roth conversions in their plan. John and Nick will explain what exactly this concept is and how this may be able to save you some dollars on taxes in the future.Helpful Information:PFG Website: https://www.pfgprivatewealth.com/Contact: 813-286-7776Email: info@pfgprivatewealth.comFor a transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/Transcript of Today's Show:----more----Speaker 1: Hey everybody. Welcome in to this edition of "Retirement Planning - Redefined" with the team from PFG, private wealth serving you in the Tampa Bay area. John and Nick once again with me on the show, as we talk investing, finance, and retirement. Nick, buddy, how's it going? How you doing, man? Nick: Pretty well. Pretty well. Just still kind of moving through this pretty crazy time, but no complaints. Pretty fortunate overall. Speaker 1: Good. Good, good, good. John, how you doing, my friend? John: Doing good. Doing good. Recently purchased a rower. Nick sold me on it. He got one about a month ago, and he's been ranting and raving about it. And I joined the club. So, done a couple of sessions and excited to do a little more. Speaker 1: A rower. So it's like an exercise machine, like one of those rowing, or actually going out and rowing in a boat? John: No, no. Rowing in my garage, an exercise machine. Speaker 1: Gotcha. John: Once I get good, I might link up to Nick and we'll race down some fake river on a video screen. Speaker 1: There you go. We'll have to set that up. We'll have to shoot that on Zoom or something. That'd be good. Nick: Yeah, ranting and raving may be a little bit of an overstatement, but. Speaker 1: Just a little? Nick: As to be expected these days. Speaker 1: Gotcha. Well, there you go. Well, hey, at least you're exercising, doing things to stay fit. It's good for stress and all that kind of stuff as well. So, always good. Speaker 1: Well, listen. Today on the topic, basically we're going to talk about Roth conversions. If you determined a Roth was right for you, are you interested in converting if we're going from a traditional to a Roth? Things of that nature. So, we'll just jump in and start talking about it here today on the podcast. John, let's kick it off with tax liability. If you've determined that a Roth is right for you and you are interested, let's talk about some of the key components to maybe consider in tax liability would certainly be one of those. John: Yeah. Yeah. Just understanding how a Roth conversion works. When you convert a traditional IRA to a Roth IRA, you pay income taxes at your current tax rate, and in return for that, you're getting tax-free withdrawals during retirement. And we'll talk about different strategies with that as we go on on this. But just to give an example, let's say someone's taxable income is $100,000, and they meet with their advisor and decided it's a good idea to do some type of conversion. They say, hey, let's go ahead and convert $50,000 of your traditional IRA to a Roth. Your new taxable income for that given year is $150,000. So that's how it would work from a tax liability standpoint. Whatever amount you're converting ends up being added to your taxable income for that given year. Nick: Yeah. And the biggest thing we like to just remind people when they do a conversion is they want to make sure they have the money off on the sidelines to pay that tax. They don't want to do it with the converted money, especially if they're under 59 and a half. Speaker 1: Okay. All right. So, with some of the monies and stuff like that, you want to, again, make sure you're having those conversations, to the guys's point. So what kind of strategies should we employ to kind of work our way through this? Kind of like the lump sum approach, we do it over time? There's lots of conversations out there about ways to go about a conversion. John: Yeah. So one of the things that we do, we focus quite a bit on retirement planning. And when we do that, we're able to actually model out and estimate what someone's going to pay in taxes throughout their retirement. And we have certain scenarios where someone might go ahead and retire early. And let's say, they retire at 62, and they don't really have much income coming in other than maybe lowered social security amount or they have some non-qualified, basically non retirement assets that they don't have to pay income taxes on. And we would look at that. There could be a period from 62 to 72 where they're not paying much in taxes. John: So what we'll do is we'll develop a strategy over that five to 10-year period where we're actually converting the traditional IRA in increments throughout that period of time to really take advantage of that period of time where they're in a lower tax bracket. John: Well, if you look at that through the life of someone's 20, 30-year time horizon, that can make a big difference in their overall tax liability throughout their plan. So it's a nice thing to be able to look at and say, hey, what am I going to pay in taxes? And how can I take advantage of paying less ultimately overall? I know I've been talking a lot here. I'll let Nick jump in on kind of the flexibility of having different buckets of money, whether it's pretax and after tax, going into retirement. Nick: Yeah, really, both fortunately and unfortunately, one of the things that we tell people that they can count on while they're working and then in retirement is that there will be changes. And usually the area that there's most often changes are in tax law. And we've seen that over the last couple of years. And so, sometimes people get a little bit caught up on the thought process of which is better, pretax or Roth money. And in our minds, and when we say it a lot, but we try to continuously emphasize it, is that it's important to have options. And so, to have options, you need to adjust how you contribute or take advantage of Roth contributions and that sort of thing, so that not only are you diversifying from an actual investment standpoint, but from an account type standpoint, which means giving yourself flexibility from a tax standpoint as you take out withdrawals. We find that really, really important. John: Yeah. And where that comes into real life is, let's say someone wants to buy a car in a given year. They don't want to take out a loan. You don't want to take out 40 grand out of a taxable account. That's really going to increase your tax liability, where if you had some Roth money, you might say, hey, I don't want to pay any more taxes. I'll just pull it from that. Or it could be some type of health emergency where it's unexpected and you're pulling 40 to 50 grand out in one pop for whatever reason. So, it's nice to have that option to avoid paying unnecessary taxes. Speaker 1: Okay. So, when we're talking about doing these conversions, obviously clearly taxes right now are lower. And so, that's something that is appealing to people, but we also have been dealing with this down market. Is that another component that should be obviously considered? And what's your thoughts from a conversion standpoint with that in play? John: Yeah. And everyone's situation is different, and this is something that, this recent downmarket, some people took advantage of, where basically, the market dropped almost 30%, 40% from the high. And they went ahead and said, let me go ahead and convert my IRA and this lower balance, pay tax on the lower amount, so when it recovers, basically everything's tax-free moving forward. So, just a quick example of that is, say you had an account that was a $100,000 before the market dropped. Assuming 15% tax liability on that money, and it's a $15,000 tax hit if you were to pull it out. After a 40% drop, the account balance is 60 grand, and a 50% tax on that is $9,000. So you're looking at about a $6,000 tax difference at that point in time. But the reason you would do it is obviously after market downturns, just typically recoveries and all that growth that you get is now tax-free moving forward. So, that's a nice little benefit. Speaker 1: Well, and again, any time you're thinking about that conversion, always check with your advisor, always talk with an advisor. If you're not working with one, reach out to John and Nick and have a conversation with them about it. But it's certainly, even before the whole COVID thing in 2020, it's just been a very popular conversation point, due to the fact that the tax rates that we're in have been so low. So again, if you do have questions around, is it a good time to convert, should I convert, things of that nature, make sure you're running your specific scenario past a qualified professional financial advisor like John and Nick. And of course, you can always reach out to them at (813) 286-7776. That's (813) 286-7776. Or go to pfgprivatewealth.com. Speaker 1: Okay, guys, another place to consider would be the legacy portion. Is that something we should throw into that mix for converting? John: Yeah. So a Roth IRA is actually a great vehicle to pass on to beneficiaries because they receive it tax-free. So, some strategies that Nick and I have implemented with clients in the past is basically converting it so their heirs can get it tax-free, and kind of this scenario where someone doesn't necessarily need the IRA money for income today. It's more of a kind of a cushion for them. And the goal is to pass it on to kids, grandkids, whatever it might be. So, to just kind of give a situation here, client's 68. Don't need the money for current income. Tax bracket's 12%, one of the lower ones. And kid's, daughter's, in a 35% tax bracket. So, the strategy that this person is doing is, over a 10 to 15-year period, again, going back to estimating the taxes, they're converting pieces of the IRA to a Roth. Okay? John: Now you've got to remember that retirement really is a 20 to 30 -ear period. So you could do this over 10, 15, 20 years. Okay? So during that 10 to 15 years, they're basically just making all that IRA money. They're paying taxes in a lower bracket. It's becoming tax free. So when they do pass away, their daughter in this situation inherits it tax-free. In this current situation, the daughter is actually in a 35% tax bracket. So you could see it as a big tax savings there, because once the daughter inherits it, it's all tax-free, versus her paying it at 35%. So, kind of just summary, the client pays the taxes at a 12% tax bracket, daughter inherits it in a 35% tax bracket, but it's tax-free because of the conversions happening. Speaker 1: Okay. And with the stretch going away, does that make that strategy more appealing at this point? Nick, what do you think? Nick: Yeah, I would say, so previously what would happen if we had these kinds of conversations, in a good scenario, or I would say maybe a pretty typical scenario with what John just outlined is, maybe it's a widow. And between Social Security and pension houses paid off, etc., so they have good income. They don't really need to take much from their retirement account. They have a daughter that's a physician, making a really good income. And the strategy is to pass the money down. Well, previously, they might have said, hey, if we pass traditional IRA money to the daughter, it's not as big of a deal. Ideally, a Roth would be better, but with the way that stretch IRAs work, she would only have to typically take a small amount each year out, but do it over her lifetime. Now that that money needs to be taken out in a 10-year period versus over the daughter's lifetime, the tax impact is much more pronounced and harder to navigate. Nick: And so, we're pretty confident that these sorts of conversations with those changes are going to happen much more consistently over the next couple of years. So, that's just kind of a good example of why and how some of the recent changes make it important to be able to adapt and be flexible. Speaker 1: No, I definitely agree with you. And obviously, there has been a lot of changes. There were changes to start the year. And then, of course, the COVID changes also altered some things. So, if you're thinking about or have questions about, again, going over a Roth conversion, if it's right for you, how you want to implement that into your overall plan, or maybe you don't have a plan and you need to do all of those kind of pieces, well, reach out to John and Nick at PFG Private Wealth and let them know you want to talk about it. It's certainly a huge topic point, and it can be a very beneficial component or tool to your retirement planning tool belt, if you will. So, definitely have that chat with them. (813) 286-7776. That's (813) 286-7776. And don't forget to subscribe to the show, "Retirement Planning - Redefined" on Apple, Google, Spotify, or whatever platform you like to use for your podcasts. Speaker 1: We've made it available for you to find at the website pfgprivatewealth.com. That is pfgprivatewealth.com. A lot of good tools, tips, and resources to be found there as well. And of course, you can always just search it out by typing "retirement planning redefined" on whatever platforming app you choose. Speaker 1: All right, guys, is there anything else we need to address with the Roth conversions this week before we go? John: No, I think we're good. Appreciate your time. Speaker 1: Yeah. As always, we appreciate you guys stopping in, chatting with us for a few minutes. If you've got questions about those Roth conversions, again, reach out to them, folks, here on "Retirement Planning - Redefined." John, Nick, you guys enjoy the rowing machines, and I'll be looking forward to that competition coming up soon. And we'll catch you next time here on "Retirement Planning -Redefined" with John and Nick, financial advisors at PFG Private Wealth.

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The Silver Lining of COVID, An Opportunity for New Beginnings with Heather DeSan

Life Unscripted Radio

Play Episode Listen Later May 20, 2020 20:00

Heather DeSantis is a top millennial publicist and the CEO and Founder of Publicity for Good (PFG), a purpose-driven public relations firm. A Forbes 30 Under 30 Nominee and former Miss Ohio International, Heather attended The Fund for American Studies Institute of Philanthropy and Voluntary Services at Georgetown University in 2010, and began her public relations career in 2012, working with clients including Panera Bread and two former NFL players. She then established Publicity for Good in 2016 and now leads a team of 15 remotely from an Airstream while traveling around the United States. Heather’s disruptive approach uses public relations not to push products, but to put the spotlight on a brand’s higher purpose and socially impactful activities. This principle has guided PFG in generating millions of earned media impressions for its clients, from over 3,000 media outlets and counting. Heather also founded Good Side News in early 2020, an online publication that aims to bring light to the positive side of life and current events amidst a global crisis. Heather has appeared as a speaker at SXSW, Docusign Momentum, and other industry conferences. She is also a contributor for Thrive Global, Kivo Daily, and Disrupt Magazine.Her entrepreneurial journey and nomadic way of life have been featured on major news outlets, including ABC, CBS, NBC, FOX, Entrepreneur, iHeart Media, Business Insider, MSN, and Inside Edition. https://publicityforgood.com https://goodsidenews.com

The Silver Lining of COVID, An Opportunity for New Beginnings with Heather DeSantis

Play Episode Listen Later May 20, 2020 19:39

Heather DeSantis is a top millennial publicist and the CEO and Founder of Publicity for Good (PFG), a purpose-driven public relations firm.A Forbes 30 Under 30 Nominee and former Miss Ohio International, Heather attended The Fund for American Studies Institute of Philanthropy and Voluntary Services at Georgetown University in 2010, and began her public relations career in 2012, working with clients including Panera Bread and two former NFL players. She then established Publicity for Good in 2016 and now leads a team of 15 remotely from an Airstream while traveling around the United States. Heather’s disruptive approach uses public relations not to push products, but to put the spotlight on a brand’s higher purpose and socially impactful activities. This principle has guided PFG in generating millions of earned media impressions for its clients, from over 3,000 media outlets and counting.Heather also founded Good Side News in early 2020, an online publication that aims to bring light to the positive side of life and current events amidst a global crisis.Heather has appeared as a speaker at SXSW, Docusign Momentum, and other industry conferences. She is also a contributor for Thrive Global, Kivo Daily, and Disrupt Magazine.Her entrepreneurial journey and nomadic way of life have been featured on major news outlets, including ABC, CBS, NBC, FOX, Entrepreneur, iHeart Media, Business Insider, MSN, and Inside Edition. https://publicityforgood.comhttps://goodsidenews.com

Ep 19: Market Downturns And Recoveries

Strome Business Minute with Dr. Jeff Tanner

Play Episode Listen Later Apr 23, 2020 19:23

Today our discussion revolves around bull and bear markets. We will break down the basics of what each of these types of markets mean and take a look at some historic trends that are relevant to this topic.Helpful Information:PFG Website: https://www.pfgprivatewealth.com/Contact: 813-286-7776Email: info@pfgprivatewealth.comFor a transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/Transcript of Today's Show:----more----Marc: Hey, everybody. Welcome into this edition of retirement planning redefined. Mark here once again with the guys from PFG private wealth, John and Nick joining me as we talk about investing, finance, and retirement from the confines of our own happy homes as we're still on lockdown doing this thing here. Everybody doing okay? Doing safe, John, how are you bud? John: I'm doing good. I'm doing good. How are you? Marc: Not too stir crazy? John: No, no. I get out a lot, do a lot of walking, some biking, and I got some kids to entertain me, so that might make me a little stir crazy, but not sitting in the house. Marc: Yes. I see a lot of people doing the homeschool thing and they're like, "Mommy needs a teacher work day bad." All the moms that are doing homeschooling and whatnot. Mine's grown, so that would be frustrating and kudos to those folks that are doing that. Nick, what about you? But how are you? Nick: Pretty good. The area that I live in downtown in St Pete, the waterfront's pretty close by, so I have been at least every other day either taking a jog or taking a walk over there. The water tends to put your mind at ease with it. Marc: Isn't it interesting how like ... I mean, could you find the time to do that before? It's almost like we do get this interesting time to reset and appreciate some of the little things that we just seemed to gloss right over before. Nick: Yes. Living in the area, I've tried to make sure that I take advantage of it, but even with that I still hadn't always. It's interesting, you do see from the standpoint of ... St Pete, it's pretty well known. There's a lot of waterfront parks, so they've done a good job protecting the waterfront and there's definitely a lot more people. You can tell because I would try to snack a run during the day and that sort of thing previous times, there's definitely more people out than was typical. People are doing a pretty good job of distancing themselves, but there's definitely flocking to that sort of environment. Marc: Yes, you've got to be careful, if you get too many in there, they'll wind up shutting it down. They'll lock it. Nick: Yes. Marc: I know, I saw that with a lot of places like here where I'm at, we'd go out to the lake or whatnot and you were allowed to go use the ... the parks are closed, but you could go to the state parks, but you could go to the lake. You go get on the lake, you get on the boat, and then people were hanging out putting their boats together, chit chatting, and drinking beer or whatever the case might be. It's like, no. Sure enough, they closed the lake. You've got a whole lake stay, stay apart from one another a little bit. Just right around your boat, do some fishing, whatever. Marc: Don't make a party out of it, but they did, so they closed the lake. Well, it is what it is. It's part of this paradigm we're living in. Hopefully, we're getting closer. Every week is bringing us obviously bad news, but there's some positives, there's some things that are starting. We're starting to see numbers decrease in places here and there, so hopefully that will continue on. We're going to continue on with our ongoing series that we've been doing the last couple of weeks about just in general things to think about during this downturn. Guys, we're going to pick it up this week with market downturns and recoveries. John, why don't you kick us off with our friend, the bear, since we were in the long bull forever in a day it seemed like? Now, we're hearing about the bear so much. Just give us an overview here. John: Yes, so just want to define kind of what is a bear market and basically a bear market is when there's a 20 percent drop from the recent peak. Let's just say like a 52 week high, so when it drops 20 percent from that standpoint, we're now considered in a bear market. Just a little bit of history. Since 1926, there's roughly been about 16 of them and they happen on average about every six years or so. Just some tidbits. When you're dealing with this type of bear market, and we're probably repeating ourselves from our last sessions, but you never want to be selling off of your portfolio, especially at the bottom. It's really important during this time frame just to remain focused and just remember it's a longterm strategy. Just stick to your overall plan. Marc: Okay. Those are some things to kind of keep in mind with the bear marker. Nick: I would say too real quick, just one last thing on the bear market because we have gotten a few questions on it. Some people had asked about once they finally checked in on their 401K and they're making their regular contributions, should they stop making those contributions, and will that help them? I'm quoting a few people here, but, "What's the point of putting in the money if I'm just going to lose value on it in a week? Those sorts of things. That just has to do with averaging into the market, again buying on a discount. Even though it's going down, the next contribution that you make will be able to buy in at a lower price. When things bounce back, buying in at those lower values are what help people bounce back faster. Marc: Yes. It's all part of the strategy, right? With every situation, you want to make sure that before you take any action of any kind that you're checking with your advisor and how your plan is situated and set up or if you don't have one, get one because that's going to help you answer some of those questions as to how you may or may not want to look at different vehicles, different investment ideas, strategies, so on and so forth during anytime, but obviously during a downtime as well. Since we covered the bears, let's talk about the bull. Actually, I think at the time we're taping this, I saw that Germany posted and said one of their indexes pulled out of the bear. That might be encouraging news, but what's a bull market, Nick? Nick: Really, the bull is just kind of the opposite where we're talking about a 20 percent increase in stock prices. Historically, there's been around 14, about 14 bull markets. Really, these going to last for quite a bit of time. I mean, the reality is that post great recession of '08, '09, for all intents and purposes, we've been in a bull market situation for ... a previous too, this coronavirus induced issue over a decade. The tricky thing with bull markets when they, especially one that lasted as long as the most recent one did, is people can become a little bit complacent. They can forget what feeling any sort of loss feels like or looks like. Again, redundancy can sometimes be annoying, but it does help to kind of get it to stick in people's head. It goes back to the importance of the plan, sticking to the plan so that again we're taking that into consideration and helping us make our decisions. Marc: Well, if we're going to talk about the history of a little bit, and John, you started to touch on in some of that, let's jump in, kind of kick off, and discuss a few of the things because we called this market downturns and recoveries, so let's look at a few of those, some of those I guess peak moments and how they looked on the down as well as on the upside. John: One of the more famous ones is black Monday, October 19th, 1987. I was a little boy then, so I wasn't really paying attention much to what was going on. For some of our listeners, they might remember. It was basically triggered by a computer as tradings and basically the fair evaluation of the dollar against Germany's currency. John: That kind of caused it and it was actually pretty quick compared to some other ones. It lasted about three months. In total, the S and P pulled back about 33 percent. In turn, we've talked about what follows the bear is typically the bull. Recovery took roughly 18 months and then as Nick mentioned, basically in the initial phase is when you see a lot of your gains, so in the first 12 months after that, the S and P gains were about 21 percent. That's why it's important to just stay the course and always stay invested because you don't want to miss that initial upfront of the basically rally up. Marc: Got you. We've heard a lot of comparisons to this one, the drop of 87 and the speed of it to what we saw obviously with the beginning of the coronavirus as well. We probably saw a lot of that on the news from time to time. Nick: For sure. We just want to emphasize that this is not to be confused with the Showtime show, Black Monday, although for those that haven't seen it, it is pretty funny. It is a very adult to show. In these times, if somebody is looking for a little bit of dark humor and levity, the TV show on Showtime's really funny. Marc: I'll have to check that out. Let's go to the big big boy here because that's probably the one that's most ... obviously, besides this, fresh in our mind is '08. John: In '08, the main trigger there that caused it was really the housing market in the US basically collapsed. That lasted really from late 2007 to 2009, roughly 17 to 18 months. The dip for the S and P from the peak was about roughly 57 percent down from the highs. The recovery took roughly three years or so, but the 12 months following the pullback, the S and P gained about 68 percent so again, important to stay invested because you just don't know when that rally is going to happen. Marc: Yes. The recession, that one ... I think that's where people also ... guys, I'll let you continue on with this analogy in a second, but I think that's where people are really also just taken aback about how to handle this one because there were economic indicators with the other one. There really wasn't with this, this is a completely different animal so it's really hard to say how ... we've heard them say it's going to bounce back in a V. Some say it's going to come back into U. As far as it's going to come down, go flat for a while, then come back up sharply or whatever. It's so hard to predict because this is a medical health thing. We really haven't seen this before. Nick: Yes, it's definitely a different sort of situation. Probably a month back, we had sent out an email blast that talked a little bit about some of the previous pullbacks with health related or virus related things. Those were definitely different because we never had this sort of social distancing or... Marc: Mass closing of businesses. Nick: Yes. Mass closing and those sorts of things. It will be interesting to see the impact over the next 12 to 18 months. The market's definitely been dialed in or trying to dial in to what sort of timeframe we're looking at where people can start to kind of get back to work. There's definitely much less intermediate term fall out in this so far than we had in the recession. Marc: Well, some people would say that this was egged on, some of this has been made worse by the Trade Wars and all those kinds of things that we were working our way through that as you know at the end of middle of '19, end of '19. Going into '20, I think we were supposed to start the phase one and all these different kinds of things, so there's a little bit of data there too. John: Yes. There was a pullback with the Trade Wars, trade war with China and stuff like that. That was also a pretty quick one where basically the downturn was about three months, S and P went down about 20 percent from the high, recovery was four months. Again, it just bounced back fast and basically almost 38 percent in the next 12 months following that. Nick: Just for clarity on the time period, this was the fourth quarter of 2018 where the year had started off pretty good. Then, we had that quick drop in the last quarter- Marc: After Christmas there, yes. Nick: Their year end statement at the end of 2018. Then, 2019 was such a good year. Part of the reason it was such good year was because of that drop. It's interesting because people remember how great 2019 was, but they tend to forget what happened at the end of 2018, which is like when your friends go to Vegas and they brag about what they won, but now what they lost. That sort of thing. Marc: You've been talking to my wife again it sounds like because I haven't been to Vegas in a long time with everything that's going on. In general, a lot of the information if you're going to take from this, that's actually a good point about Q4. I mean, it dropped so fast around Christmas of '18 and it was bouncing back pretty darn fast. You can miss those days. A lot of the data in there that John shared, it seems like within that first year, there was really potential for missing out on some of those best days. That's where your timing in the market becomes such an issue. You're not going to know that. Nick: Yes. It's really difficult in ... even just the last few weeks have shown the importance of missing some days. There has been some studies and data where one example that we found was if somebody started with a hypothetical investment of $100,000 in 2000 and if they stayed invested in their same allocation the whole period of time, their balance would be at the end of that period, so it would have been at the beginning of this year, they would have been at about 324,000. In the study, the randomized data showed if they missed 10 days of upmarket performance and it was kind of spread out or the time, so it's not a consecutive day thing. The balance instead of the 324K, had been closer to 162K. If they missed 25 days of the biggest, upswings, they actually would have lost money and ended up at about 82,000. The emphasis on that is really not necessarily the specific days and that sort of thing, but it's really staying invested, not trying to time too much because somebody that just stayed the course and made good decisions throughout that time, they ended up benefiting the mos. Really, that has played out again over the last few weeks where we're about 20 percent off the bottom as we speak right now. A lot of that's come really between three or four days. Missing those days is not ideal. Marc: Well, what's the overall conclusion, the kind of lesson if you will, to take from some of this? John, any thoughts as we wrap up this week? John: Yes. The overall conclusion of I think everything we've been talking about is really just staying invested and staying in your initial course of your overall plan, that cost financial plan. Then, that backs into your investment strategy. You really want to just stick to it as hard as it might be. You want to block out any noise that you're seeing in the media, just focus on your overall goal, just stick to your, stick to your plan, and just really just try to stay invested as best you can. This is where it's very important for people that are currently retired, that you've set up, I think Nick mentioned in one of our last sessions, a liquidation strategy where basically you have buckets to pull from during this volatile period so you don't have to sell out on your stocks. You really just want to have everything coordinated correctly and again just stay the course. Marc: Yes, I think that's where a lot of people too get confused, right? I mean, when things like this happen, we see the market's dropping or whatever, we start to panic, and we think what's it doing to our retirement or our potential retirement. Again, depending on how your strategy was set up and how your plan ... hopefully, you had one was in place. It may not have affected you as much as it maybe affected your neighbor who didn't have one or so on and so forth. It really all comes down to working with an advisor, having a plan and a strategy in place that hopefully, again you had in place prior to this, but if you didn't, don't feel like you need to sit on your hands and wait until this is all done and over with. Marc: I've seen email questions come in, in different places, different things. Should I not invest? I think Nick, you brought it up I think even last week on our last time on our podcast that, should you still be putting money into your 401k during this time period? All those kinds of things, get those questions answered for you specifically by working with and talking with an advisor. If you're already working with John and Nick and you're listening to the podcast because you're learning more information, great. Then, you're already on that right path. If you're not, or you know someone who's not working with an advisor, let them know, tune into the podcast, check it out, have them give them a call, and have a virtual meeting. Go through the process and see if there's things that need to be tweaked or adjusted because we're still going to want to retire. Marc: I'm 50 and while I still got several years to go before I get to retirement, I still want to make sure that I'm planning for that. I want to get to that point and so I can't let this thing just derail me entirely. Work with an advisor, have those conversations. (813) 286-7776 is how you can call and talk with John and Nick. They'll get you set up for a Zoom meeting, go to meeting, or whatever kind of virtual conversation to get the ball rolling, but you can have a talk about your situation with the guys at PFG private wealth, (813) 286-7776 is how you call them. Marc: Subscribe to the podcast. Go check them out at the website by going to PFGprivatewealth.com. That's PFGprivatewealth.com. While you're there, subscribe to us again on Apple, Google, or Spotify. Share it with someone who might benefit from the message, all that good stuff, and we'd certainly appreciate it. Guys, we're going to get out of here this week. Thanks so much for your time. We went a little bit longer than usual, but that's okay. Good information here this week on the show. John, appreciate you. Stay safe and stay well. Nick, you too, my friend. Enjoy those walks and we'll see you soon. Nick: Take care. Marc: All right guys, take care. We'll see you next time here on retirement planning redefined with John and Nick.

PFG Stock Sale

Play Episode Listen Later Apr 21, 2020

Performance Food Group, or PFG, the Goochland based food distributor, announced it is selling thirteen point five million shares of common stock this week, two million more shares than originally planned. While this isn’t the best time to sell stock, the company is seeking funds for working capital, which really means they’re using it to cover operating expenses. The company primarily serves restaurants, hospitals, universities, and other institutions, which is the hardest hit segment of the food business, so they’ve been signing up grocery stores too. PFG sales declined fifty percent the last two weeks of March and the company expects continued revenue declines until the economy reopens. Stock that is being sold was purchased by the firm as recently as last month. Share prices have fallen fifty percent in the past year. To learn more, visit odu.edu/business. This Strome Business Minute is presented by the Strome College of Business at Old Dominion University.

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#173 Kelly Harris

XY Adviser

Play Episode Listen Later Apr 1, 2020 49:27

As the Director of Human Connections at Perron Financial Group, Kelly Harris implemented a client mentoring program which quickly became a core part of PFG's value proposition. Kelly believes this program is the reason their client base has grown significantly in the last five years, despite having never spent a cent on marketing their services. Kelly Harris XY: https://www1.xyadviser.com/members/2987123 Perron Financial Group Website: https://perronfg.com/ General Disclaimer – https://www.xyadviser.com/disclaimer/ New XY platform now available: App Store: http://co.xyadviser.com/xyistore Google Play: http://co.xyadviser.com/xygplay Desktop: https://www.xyadviser.com/ Get CPD points for the XY Podcast here at Caddie https://thinkcaddie.com/ 20% off for XY+ members https://www.xyadviser.com/plus

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150: ILYPS Bonus Ep: Get a Grip on Your Shoes, Get a Grip on Your Life

Pussy Fart Gang

Play Episode Listen Later Mar 17, 2020 68:19

Hey Everybody! It's Wendi. Because of the global chaos, I'm releasing today's episode of my solo pod "I Love You, Please Stop" through the PFG feed. Just wanted to give you a head's up that everything is fine and that Megan is still alive and we are releasing a new ep of our show tomorrow. Your Moms love you very much. Wash your hands and stay inside. *** Holy shit. The world is pumping it’s brakes so hard we’ve pretty much flipped upside down but fear not, your friendly neighborhood alley cat is here to help you navigate your new life in quarantine. Wendi lays out some basic guidlines that will keep you clean and relatively sane. PLUS, hot tips for at-home footwear and figuring out whether you are more of a psychopath or sociopath. FOLLOW WENDI!! IG: @wendibird82 Twitter: @wendistarling FOLLOW THE SHOW!! IG: @iloveyou.pleasestop @befranknetwork @soundloungeny And pretty please rate, review and share. ALSO, dm Wendi with your questions! She loves to hear from you and pinky swears to try and be helpful. Thank you!! Love ya!! Remember to shower, put on some shoes and wash your hands. xoxo

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Episode 3 - Conversation with Harley Hicks

ShortCasts

Play Episode Listen Later Mar 2, 2020 35:02

Episode 3 About: •Version Control and revision history •RoutineHub (w Harley Hicks) •iMessage sticker pack is live Content: We have a new iMessage sticker pack available. Check it out in the iMessage App Store https://apps.apple.com/gb/app/shortcasts-stickers/id1499929222 @tme_michael Harley is a developer and the owner/creator of RoutineHub. He wanted to get a community started when he saw the need for other shortcuts developers to collaborate and share their work as well as to get help from one another. When shortcuts first was starting in iOS 12 Harley was using Hootsuite to monitor social media sites for shortcuts related posts. He got involved with Mike Beasley, the creator of UpdateKit. Upcoming changes/ideas for RoutineHub: •Unlisted or Private Shortcuts •API Support •Possibly add a section to the site for education around shortcuts (currently seeking help with this, if interested, reach out) •COIL, a great new innovative way to get monetization integrated with websites. This could allow for monetized shortcuts as well as helping keep RoutineHub on its feet Currently working on: SwitchVault - Nintendo Switch database Headphones - A music manager What device or devices do you utilize the most for shortcut editing and creation? iPhone XR Shoutout to @PFG for the creation and maintenance of ScPL for computer based shortcuts editing. ScPL Discord link Future of shortcuts? Harley would like to see the ability to Fork shortcuts and possibly have better automated documentation on what was forked from and the new changes made. Best way to get in touch with Harley and RoutineHub? RoutineHub Discord or the Support section of the site In the next episode, we will cover some further content on recent shortcuts work we’ve been doing and hoping to have another guest on the show soon. If you like the show, please give us a review on Apple, if there is something else you’d like to see us do or something we can improve on, let us know. https://anchor.fm/shortcasts/message --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/shortcasts/message Support this podcast: https://anchor.fm/shortcasts/support

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Ep 5: The Challenges Of No More Paychecks, Part 2

Play Episode Listen Later Aug 22, 2019 11:17

It's time for part 2 of our discussion about one of the most challenging parts of transitioning into retirement, dealing with the fact that you're no longer receiving a paycheck from work. Today, we'll discuss specifically ways to get more comfortable with the transition from working to retirement.Helpful Information:PFG Website: https://www.pfgprivatewealth.com/Contact: 813-286-7776Email: info@pfgprivatewealth.com----more----Transcript of today's show: Speaker 1: The rules of retirement have changed. No longer can most of us rely on social security or a single pension to fund our futures. We're living longer in retirement, doesn't just last a handful of years anymore. Instead, you might stay retired for 20 or 30 years and maybe even more. We need to look at retirement through a new lens with fresh eyes, with a new approach and plan of attack. Here to answer the call are financial advisors, John Teixeira and Nick McDevitt at PFG Private Wealth Management, serving you throughout the Tampa Bay area. This podcast is retirement planning redefined, and it starts right now.Mark: Hey, welcome into another edition of Retirement Planning - Redefined with John and Nick, financial advisors at PFG Private Wealth, serving you here in the Tampa Bay area. We're going to talk about investing, finance and retirement as we usually do here on the program. And you can find John and Nick at their website at pfgprivatewealth.com. That's pfgprivatewealth.com. Of course, you can also give them a call and come and see them in their office in Tampa Bay at eight, one three, two, eight, six, 77, seven, six. That's eight, one three, two, eight, six, seven, seven, seven, six. If you hear something useful, interesting nugget on the program and you want to talk more about it before you take any action, always check with a qualified professional. Reach out to John and Nick, give them a call at that number. Eight, one, three, two, eight, six, seven, seven, seven, six. Guys, how you doing this week?John: I'm doing good. How are you?Mark: I'm hanging in there. Doing all right. Just surviving the summer, the dog days. How about you Nick? You doing all right?Nick: Yeah, doing pretty well. One of the things that we like to do is present on different retirement topics. And earlier today we did a lunch and learn or what we can refer to as a financial wellness presentation over at the University of South Florida at their College of Public Health.Mark: Oh nice.Nick: So that's something that we enjoy doing and covered a specific topic and something that we're looking to do more of.Mark: That's very cool. So yeah, lunch and learns. What'd you call it, financial wealth class?Nick: Wellness. Financial wellness-Mark: Wellness, I like that.Nick: Yeah.Mark: Was the turnout out, good people enjoy it?Nick: Yeah, it's usually a small, at those sorts of things it can be tough for people to get away. So usually we have somewhere between eight and 15 people in the room and we present for 45 to 50 minutes and just try to keep it light and really focused on a single subject at that period of time. We like to do that with different local companies as well. So it's something we enjoy doing.Mark: No, that's very cool. So if our listeners to the podcast want to be involved in those in the future, is that something they can reach out to you guys or find that on the website at all, or just give a call if they'd like to attend those things? Or are they kind of closed door deals?Nick: We usually go through the employer.Mark: Oh, okay. Oh, I gotcha. Okay.Nick: So if they are an employer, really no cost to the employer and it's definitely a benefit for their employees.Mark: Sure. Yeah.Nick: And we bring in lunch and go over a couple of different topics. But they can absolutely reach out to us and I'll let us know and connect us with whether it's an HR department or their employer.Mark: Yeah. Okay.Nick: Cover different topics.Mark: Very cool. Well, yeah. So if you're listening to the podcast and you think that might benefit your fellow employees or you're an employee yourself, give them a call. Eight, one, three, two, eight, six, seven, seven, seven, six. Ask about the lunch and learns or the wellness classes. So you guys, John, have both of you guys presented this thing or do you guys take turns?John: This one here we both did.Mark: Okay. Very good.John: We do a lot of stuff as a team.Mark: Nice. Very cool. Well good. That's exciting. We'll have to talk more about those in the future coming up. But I do want to address what we mentioned last week since we teed that up and I want to kind of go back to that conversation. We talked last week about just the stresses and some challenges of not having a paycheck anymore when we transition from working years to retirement years. And so let's talk a little bit now as I had mentioned about just some strategies on how to create that paycheck, if you will, from our nest egg.Mark: Now I think most of us realize we have to do this, but it becomes kind of ... It becomes daunting for people who just obviously don't do this all the time to think, "Well, how do I turn my IRA into income," and so on and so forth.John: There's a lot of different strategies to use. And when we do planning, we don't just say this the only one that worked. There's a lot of different ones and it's really depends on kind of how the person ticks, kind of what they're comfortable with and what their goals are. So we'll go through, we talk about a few of them, but we're not ... Whatever we talk about today, it's not going to be all of them.John: But you know, one that a lot of people feel comfortable with is where we do two years of cash reserves where we'll basically set up a separate account and almost be like a payroll account where that's where their money's going to filter from for the next roughly two years or so. And again, that number can change depending on the individuaL. But that's where if hey, they have social security coming in and pension, we'll look at, hey, what your income gap. So if their expenses are 50,000 and let's say social security covers 20,000 of that, basically we'll have this account that generates 30,000 a year and that might come up monthly.John: And that's one strategy. And what that will do is it'll provide a little bit of peace of mind, which we discussed last week, where hey, if the market does turn down, you have a special place where you can go and not be worried about, "Hey, do I need to pull on my investments while the market's down?"Nick: So the way that we'll kind of have that conversation with them is almost back into it and take them through a situation of, even if we go back to kind of 2008 where there was the great recession. And we go through and look at historical market and show them here's how long it took the market to bounce back. Even if we were to run into this sort of situation, how much would they specifically individually need? What would make them feel comfortable to hold in cash so that they wouldn't make a rash decision.Nick: And one of the things that we have kind of seen is that two year number seems to be a bit of a magic number for people. But ultimately it's getting them to start to almost program themselves to remind themselves that, hey, this is here. If these things happen, this is here. But overall, our goal is to have this mini strategy to help us implement our overall broad base strategy.Mark: We talked in the prior podcast when we were discussing this a little bit about the market and how it can affect people and make people nervous when they're first making that transition. And one of the pieces that I know that also gets when you're building the strategy to deliver that paycheck, you also have to plan for this to evolve through retirement. Because you got to plan, you got to put inflation in there. That's something that you've got to make sure that you're working on. You've got to look at all those little extra pieces that come in there. And that's why getting together with a good team to build to that good strategy is going to be helpful.Nick: Yeah. One of the ways that will ... It's become pretty popular and in the more in-depth retirement classes that we do teach, the six hour classes that we do at the local community colleges, refer to it as a bucket strategy, which a lot of people are familiar with. It's in a general sense. So the way that they'll identify with it is, we essentially say to them that, "We're going to task your money with different jobs." There's going to be a short term, mid term, a longterm. Those short term money is where we don't want to take the risk but that longterm money is the money that we want you to kind of think and remind yourself that we've got this 2030 year plan for you. And if you look in reverse in how you invested your money 20 or 30 years ago, this longterm money needs to be invested in the same sort of way. Focused on longterm growth to help make up for the money that you're going to spend in those shorter time periods.Nick: And we found that people definitely relate to that. They understand that and when they think about it from the standpoint of, instead of them working their money, that bucket of money is working longterm for them. People have been able to grasp that pretty well.Mark: I got you. Yeah, because we're talking definitely longterm. I mean obviously the number one fear is people running out of money before they run out of life. And just to veer off for a quick second. Do you happen to know who the oldest, not the ... No. But you take a guess at the age of the oldest person in the world right now. Either one of you.John: [inaudible 00:07:50] seven.Mark: What'd you say? One oh seven?Nick: Yeah, I'd probably go like one 15.Mark: Yeah, Nick, you're the winner. Actually you're closer. It's actually Mr. Tanaka, he's 116 years old. 116, can you imagine that? So I know that's like totally not the norm, it's the exception to the rule. But we're getting there more and more where when you guys are doing this, kind of to Nick's point a minute ago, you got to plan this stuff out a much longer to have these income streams past 80 or 85. You've got to be pushing this into the nineties a lot of times or maybe even a hundred, right?Nick: Yeah. When we plan, we always start off our plans planning to age 100. And we used to get heckled quite a bit from potential clients and existing clients about that strategy. But actually, because a lot of people that we work with come through our class, they see the importance of planning for longevity. And I would say probably in the last 18 months we've actually had people asking us, more than one, asking us to plan past a hundred. So I think that sentiment is actually starting to kind of permeate people's thinking and if they have longevity in their family, people have started to focus a little bit more on that. And making sure that they're focusing on being able to kind of stave off inflation and plan for longterm.Mark: Yeah, I just, I don't know if I'd want to be a 116. either one of you guys?John: I'm going to say no to that depending on what technology brings at that point.Mark: Right. I guess that's true. Yeah.John: As of now, no.Mark: What about you, Nick?Nick: I'd have to ask Mr. Tanaka what it's like.Mark: That's probably a good idea. I don't know, man. I just, I couldn't imagine it. But yeah, I mean that's going to become more than norm the more technology continues to go.Mark: So yep, well really good conversation here with the guys talking about the fact that you you've got to create a paycheck for retirement and you got to make sure that that nest egg is going to [inaudible 00:09:38]. So we covered a couple of cool things to think about. The cash reserve, the two years, the bucket strategy, the dividends, keeping the principle, income floor, all these kinds of things we touched on. So if you have some questions, if you have some concerns, you have some thoughts about it, make sure you reach out to the guys, give them a call. If you're interested in some of that wellness classes and lunch and learns, give them a call. Reach out to them at eight, one, three, two, eight, six, 77, seven, six. That's eight, one, three, two, eight, six, seven, seven, seven, six to talk with John and Nick, financial advisors at PFG Private Wealth, serving you in the Tampa Bay area, here from their office as well as in Tampa Bay. And pfgprivatewealth.com is where you can find them online. That is pfgprivatewealth.com.Mark: Guys, anything else you want to touch on this week before we go or shall we wrap it up until next time?John: I think we're good.Till I think we're good.Mark: All right, well with that I'll say thanks for tuning into the podcast. You've been listening to Retirement Planning - Redefined for John and Nick. I'm Mark. We'll catch you next time you're on the program.Speaker 1: PFG private wealth management LLC as an SEC registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.

Ep 1: Getting To Know Your Hosts: John Teixeira and Nick McDevitt

Play Episode Listen Later Jun 6, 2019 17:08

On this inaugural episode of the Retirement Planning Redefined podcast, we'll get to know your hosts a bit better. We'll find out how they got involved in the industry, how their partnership formed, and what experiences have shaped their financial and investment philosophies.----more----Here is a transcript of today's episode: Marc Killian: The rules of retirement have changed. No longer can most of us rely on social security, or a single pension to fund our futures. We're living longer in retirement, doesn't just last a handful of years anymore. Instead, you might stay retired for 20 or 30 years and maybe even more. We need to look at retirement through a new lens, with fresh eyes, with a new approach and plan of attack. Here to answer the call are our financial advisers, John Teixeira and Nick McDevitt of PFG Private Wealth Management serving youth throughout the Tampa Bay area. This podcast is retirement planning redefined and it starts right now.Marc Killian: Hello and welcome into retirement planning redefined. Thank you for tuning into our podcast with financial advisers from PFG Private Wealth, an independent IRA. Joining us here is Nick McDevitt as well as John Teixeira. We're going to be talking about the role of investing, finance and retirement, and they're serving you here in the Tampa Bay area. Make sure you go to the website pfgprivatewealth.com, that's pfgprivatewealth.com. John, Nick, guys, welcome into the kickoff podcast. How are you?John Teixeira: I'm good. How are you doing?Marc Killian: I'm doing very well and Nick, how are you?Nick McDevitt: Doing well also.Marc Killian: Very good. How's the weather going in Tampa right now?John Teixeira: It's raining quite a bit, more than usual, we usually get about 10 minutes, 15 minutes span. It's been going all day.Marc Killian: Oh yeah. Well that's Florida for you, right?John Teixeira: Yes, it's true.Marc Killian: Now see that through the power of the Internet I don't have to actually be in Florida to do a show with you guys. I'm actually in North Carolina, we're usually are kind of the same way. Just wait five minutes and the weather will change if you don't like it, same kind of thing in Florida. Got a lot of friends and family down there, so I'm used to that as well. But that's not what we're going to talk about here today on the podcast is the weather. Just trying to kick things off a little bit. But what I wanted to do on our first episode is just to kind of get to know you guys a little bit and get some information out there. So as we start archiving more and more podcasts and folks are finding us, whether it's on iTunes, or Google Play, or iHeart, or Stitcher, or whatever your podcasting platform of choices, they can kind of go back and get to know you guys a little bit as well through this.Marc Killian: So I've got a couple of basic questions for this initial a show just to kind of get to know you guys and I'm going to toss these out. Just feel free to... whoever wants to tackle this. But first question is, well, how did you get into doing what it is that you do?Nick McDevitt: This is Nick. I've been an advisor now since 2007, Fall of 2007, and it was something that I was always interested in kind of in high school and then throughout college, but after moving down to Florida in 2003 and starting off in a different industry and more of a sales capacity, I kind of came full circle and decided to move into the profession.Marc Killian: And what about you John?John Teixeira: Yeah. I moved down to Florida, Tampa area from Boston in 2006. I graduated in 2005 and just really actually wanted to understand how money works. I started reading some books on financing and banking and then just started diving more into the stocks, actually more of a learning thing and then I was wanting to kind of help people, so really as I started learning more about finances, figured this would be a good avenue to kind of do both.Marc Killian: I got to know, you said when you moved down to Florida, where are you from originally?John Teixeira: I'm from Boston, Massachusetts.Marc Killian: Okay, no accent at all, so you've definitely long since shed that, so that's pretty good.John Teixeira: I did.Marc Killian: Yeah.Nick McDevitt: And Nick from Upstate New York-Marc Killian: I was just getting ready to ask because I was going to say, Nick are you a Floridian by default there or no? But I guess not so.Nick McDevitt: No, Rochester, New York moved to Tampa Bay in 2003.Marc Killian: Now did you guys... well, I guess I'll just move around there and all my list of questions there and I will just kind of keep this little more conversational. How did you guys get to working together then?John Teixeira: A good question. I joined MassMutual in 2006 and then Nick joined in 2007, right Nick?Nick McDevitt: Yeah, the fall of 2007.John Teixeira: From there just kind of in the same training, became friends and just kind of really stayed in touch. I had left MassMutual in 2009, 2010 and Nick was still there and in 2016 we actually teamed up. We've been friends for over a decade. It's been a good friendship and good working relationship as well.Marc Killian: Very cool, well, that always helps. So you guys met through there and decided to kind of branch out. So when you set up this partnership working together, what's kind of the each other favorite part? Is that the same favorite part? Do you kind of both tend to do different avenues of the Retirement Financial Planning side of things? Or how do you guys go?Nick McDevitt: I think the good part or a strength of ours is that we are both pretty well rounded. I would say John's a little bit more analytical than I am, but we're both pretty well rounded so we're able to pick up the slack for each other if one of us is out of town or John's having babies like he has been over the last few years or able to kind of pick up the slack and adapt and adjust whenever the other person kind of needs a pickup. It's not that our duties are totally segmented, where it's more complimentary and we're able to work together pretty well, which is what's made it work for us.Marc Killian: That's very cool. So John, aside from having babies and Kudos to you for that, what kind of is your favorite part of what you do?Nick McDevitt: Really it's just working and helping people. We meet a lot of people and I'd say, after we're done kind of building a plan and putting a strategy in place, people leave with peace of mind of that they're on the right track and once we hit that goal for each client, it's fulfilling. I really enjoy, every day's a little different and we do get to meet a lot of different personalities and the clients end up becoming friends so I enjoy that part.Marc Killian: Yeah. I host a lot of podcasts and radio shows on the topics across the country and a lot of times we do get that response from people is that, it's definitely different all the time, you see so many... I think we all share commonalities when we're talking about finances and retirement planning. There's definitely generalities that go into it, but at the same time everyone is so uniquely different that it winds up branching off pretty quickly and then of course you get the different personality types and all those kinds of things in there. That works out really well to kind of keep your day interesting, I'm sure. Kind of get back into this partnership here a little bit. So you guys org... either one of you guys is numbers junkie because I think for a lot of us that listen to these types of podcasts and types of shows, maybe Math isn't always our strong suit and so we kind of assume that a financial advisor is really into numbers and so either one of you guys that way or is it really more the love of trying to help people?Nick McDevitt: I think that it's a little bit of combination of both. This is nick. For me, there's... I've always had a strength in the Maths space but what's interesting about our field is that from what we have found, and I don't know if it just happens to be how most of our clients come to us, but our ability to communicate with them and not talk, are not used to much jargon and be able to help them. Yeah, see the big picture and then work with them, you with different tools and with kind of the planning process that we use, to then slowly start to bring it down to a common denominator is what's made people feel more comfortable. And so that's part of why we're looking forward to doing this podcast is to provide them with additional tools to help them to continually learn, almost like a continuing education sort of program for them.Marc Killian: No, I think that's a good way of looking at it because I... and I think a lot of people, and that's kind of why I phrased it that way, do tend to... because you guys see the biggest thing that comes with people coming in and talk with a financial advisor's procrastination, right? A lot of times they're like, well, I don't know, I guess I could do it myself, or that's not my thing, or I don't like talking about my money, or whatever the case is. And so people tend to get a little hung up there. But I think when you're working with somebody who can talk to you and make it relatable and make it to where you're comfortable with it, that goes a long way in helping you feel better and understand your plan and enjoy your plan. Would you agree with that, John?John Teixeira: Yeah. Most people I think just want to know how things work and just want to make sure that you're really just advising best for them.Marc Killian: Yeah, I would agree. Alright, so let me turn the attention that we kind of talked about you guys and the and the partnership a little bit, how that kind of formed in your own personal things, but let's talk a little bit about the firm. So what kind of makes PFG Private Wealth a little different than the rest?Nick McDevitt: So we are what's called a... we're an independent firm so we're an SEC registered investment advisor firm. There is a team of about six advisors and then we have some staff members, and the firm itself has been around for... really just the original founder of the firm just hit his 50th year anniversary actually a couple of weeks ago. And so the firm's really kind of transformed over the years and continually updated and adapted to try to be in the forefront of what's going on in the industry. And so there's always been a focus on an advice-driven practice, whether it's been through strategic business with... there's a good strength on the insurance side, executive level, sort of insurance planning. Then over the years that transformed into more of the investments as Jeff Perry, who's the portfolio manager, became more involved in the practice.Nick McDevitt: Over the last probably five or 10 years, it's really shifted more towards the advice side so the actual fee-based financial planning and independent investment management internally. We're clearing custody with TD Ameritrade, so everything there is third party. And that's something that we always try to emphasize with the people that we're working with or the people that are coming in to talk with us is that from a conflict of interest standpoint and from a fiduciary standpoint, we do believe in having that basis, and that's really how we're structured.John Teixeira: Yeah. What the practice... one thing I think that separates our business model here is that we do work as a team. So Nick and I really focus on the planning end of things. If there's something where we need some assistance, whether it's asset management, we have specific guys that strictly do asset management, Bob Perry, which is the founder of 50 years focused on the state planning so he's a great resource and someone to talked to for that. It's a collaborative effort, we all work well with one another and we enjoy working with each other too, so I think that adds to it. Being independent, which nick mentioned, no proprietary products, which is very important nowadays so there's no one telling us, hey, this is... you have to use this fund, you have to use this product. It's really geared towards our client and what's best for them.John Teixeira: Yeah. I always kind of enjoy talking to the folks that do a lot of the independent advising. Sometimes when you think about the big box thing, I sometimes make the analogy of Walmart and sweaters and it's like a certain time of the year they get the sweaters out even now you're thinking, why a sweaters out right now, it's summertime, right? But they're trying to push him for the roll up or vice versa when the season's over, and they're just trying to get rid of them, and they try to jam everybody, I you should buy one of these, or whatever the case is. Same kind of deal sometimes when you're working with those big box cookie cutter things where they want to jam everybody into the same whatever vehicle it is because that's the hot topic that they want to get pushed that month.John Teixeira: A lot of times when you're working with an independent advisor, you do get, I think a little bit more holistic, if that's a good word, kind of view of everything. That works pretty well.Marc Killian: Alright. Nick, you kind of touched on this. I'm going to let you... I'm going to ask one more question here and then we're just to be about out of time for our first podcast but you kind of touched a little bit on the podcast. I was going to say, why are you guys looking at doing a podcast? What's kind of the overall theme that you're wanting to carry out through this?Nick McDevitt: Sure. What we found is that because most of our clients come to us through the classes that we teach. The classes are typically over two weeks and it's two sessions, three hours per session. We cover a broad base of topics and don't really have a ton of time to get in depth on them and when those people that decide to work with us after the class, they go through our planning process, it is fairly intensive and so we want to help and we want to have this podcast allow them to be able to touch on and remind themselves about certain things.Nick McDevitt: An example of one of the things that we found is, maybe a husband and a wife come to the class, Maybe they're 60 years old and they come to the class, about to focus on themselves, but during the class we mention a couple of things about experiences that we've had working with clients whose parents are becoming ill and starting to go through, and mistakes that they make from the standpoint of what their parents do with their money, and it's an additional problem, it's an additional phase that they're going to enter into, and it would be great for them to be able to listen to things in a convenient manner, be able to increase their level of knowledge a little bit so that then they can come in and sit down with us and chat with us, and they'll feel more empowered by having a higher degree of knowledge on different topics and subjects. That's really how we're... what we're focusing on is trying to give people an opportunity to increase their level of knowledge and be able to feel more comfortable having those sorts of conversations with us.Marc Killian: I got you. Well, that makes a lot of sense. Actually I guess I do have a quick follow up and then I'll let you guys get back into your day. So, John, with the class just kind of give us a quick overview. Nick touched on it a little bit of it, but this is something you guys offer a pretty periodically throughout the year and is it pretty easy for folks to get involved if they do want to choose so?John Teixeira: Yeah, so we offer it twice a year, Spring time usually falls right around January to March. Then we offer it in the Fall starting around late September, October. Most people hear about it, read about it through our mailers. And then also we have a lot of clients that will refer colleagues to the class and then also coworkers. Hey, I want... we hear all the time, "Hey, I passed your invitation on along to a couple of friends of mine. Is that okay?" And we always say, yeah, so what we'll do is we'll follow up, send them a link so they can register and register for their friends as well.Marc Killian: Okay, well, you can always tell the difference depending on obviously a lot of our listeners are going to wind up being in this area anyway, but I love the fact you're like springtime January to March, and it's like, I used to live in Michigan and there is no say I used to live in Boston. There is no spring in January. It's just known gold. Right?John Teixeira: It is. Yeah. The nice thing about being in Florida, especially in the winter time, it doesn't get dark at 3:30.Marc Killian: Yeah. Right? Yeah. My first year in North Carolina, when I moved from Michigan, Christmas time, it was 65 degrees on Christmas day and I was playing basketball. I was, yeah, alright, I can deal with this. It was much better shot than my friends back in Michigan. Go ahead now.Nick McDevitt: Now I was just saying that's similar experience after moving down from Rochester, which is very similar to weather in Michigan. You adjust quickly.Marc Killian: Yeah, you can enjoy that sunshine a little bit more. Well, there you go so that's our first podcast. Just kind of getting to know the team a little bit @pfgprivatewealth. Well the.com is where you can find them. That's not the name of the company is PFG Private Wealth, but if you want to check them out online go to pfgprivate wealth.com. They are an independent RIA as nick mentioned, and of course I was talking with John Teixeira and Nick McDevitt and the guys are going to be on with me from time to time. We're going to talk about various things. We're going to do a lot of different stuff on the show. We'll talk about some of the things you might hear in the class. I'll have some fun, interesting topics, kind of some oddball things all through with the guys from time to time. You can send an email questions that will cover, some news topics, lots of different things as it relates to finance, investing, retirement and all that good stuff.Marc Killian: As always, if you have questions or concerns, make sure that you reach out before you ever take any action. You always want to talk to a professional and John and nick are available if you need to reach out to them at 813-286-7776, that's 813-286-7776 and just share that with friends or family that you know might have a situation as well. And of course, when you're on the website, don't forget to click on the podcast that'll be coming soon and you'll be able to click on subscribe, whether it's iTunes or Google Play or whatever your platform is.Marc Killian: Alright, so we'll catch you guys next time here on retirement planning redefined with John and Nick, financial advisors at PFG Private wealth. We'll talk to you next time. Bye.Marc Killian: PFG private wealth management, LLC Is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.

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