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PODCAST

PennyWise Financial

Constantine J Kitrinos, CPFA - Managing Partner | Wealth Advisor

PennyWise Financial Podcast is a literacy segment designed to provide knowledge and education on all things financial. Advisors from the firm, Monarch Wealth Management, LLC provide tips, insight and introduce strategies from a diverse background of topics. Show Contributions by clients, business owners, and colleagues. Partners: Constantine J Kitrinos and David T Georgiev Advisors: Diana C Lougen and Mark R Ziemba II Operations Manager: Jason T Georgiev www.monarchwealthmanagement.com

education

All Episodes

00:00:31

Economics, Aliens, Politics & Working Out |...

PennyWise Financial ·

2023/11/02

What else can you expect from a local Barber Shop Owner. Topics go all over the place and don't quite get to Aliens, but Frank was ready to talk "Aliens" if need be. Maybe next time. Today, we chat with Frank DeSantis, owner and operator of Salvatore's Barber Shop in Chili, New York. Being in a barber shop exposes you to conversations between other business owners, CEOs, and white and blue-collar employees. What a great way to get some insight into the general public's

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00:51:42

Crack the Code on Healthcare in Retirement

PennyWise Financial ·

2023/10/25

This episode focuses on one specific topic all of us will be faced with in retirement, healthcare. Our discussion with a local expert helps us know more about the process and understand how complicated your choices can be when trying to tackle this on your own. We've all heard of Medicare and might understand some of the basics, but today's guest helps us uncover the things you may not know. Brenda Foster from the Medicare Marketplace is our guest and she delivers timely information for

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00:30:59

D.E.B.T. Free or Die Trying | The Marcus Garrett Story

PennyWise Financial ·

2023/10/16

A best-selling author, speaker, mentor, and coach gives us his story on overcoming debt and how he mentors others to do the same and much more. Marcus Garrett joins us to share some personal life experiences on how he got started with his coaching, guidance, and debt elimination programs. He is passionate about what he does and takes a different approach to just one simple process to reach success. This was a great conversation to discuss his journey and should inspire others as well

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00:44:27

Garbage Plates, Interest Rates & A Side of Mac Salad

PennyWise Financial ·

2023/10/04

We were graced by the presence of Andrew White, hailing from Philadelphia. He has been at Vanguard for over a decade and brings some good dialogue to the table. He shares his first experience with a Garbage Plate and the market outlook, the fed, interest rates and positioning. Are we in a recession? Does it make sense to jump ship out of stocks and hide in cash? He shares insight from his research team and references studies done by Vanguard about the power and impact a trusted advisor can have on

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00:11:48

Trucks Food & Shelter

PennyWise Financial ·

2023/09/21

Budgeting has never been more important than right now for many Americans across the nation. Inflation is crushing folks living on a fixed income and forcing us all to take inventory of our spending, habits and figuring out what our needs versus our wants. Today we chat with Sebastian and hear what's important from the perspective of a first grader. You'll hear everything from how he would spend his income to the things that matter most to him. Topics were made up by him on the spot. He

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00:28:27

Risk-Free Is "Bull"

PennyWise Financial ·

2023/08/23

Ever watch those catchy ads on TikTok, Facebook Reels, Instagram or Youtube? You know the ones that tell you everything you've ever wanted, hoped and dreamed for in an "investment". It's the account where you invest money, never lose, have guarantees, have no limits on how much you can put in, collect tax-free income for life and forget about any of the IRS rules as well because those don't apply. 🤣 Our firm has been getting more and more calls asking about these ads and what

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00:00:18

Risk-Free is "Bull" Trailer

PennyWise Financial ·

2023/08/23

This is an intro for Episode 91 | Season 5 of the PennyWise Financial Podcast Featuring David T Georgiev, MBA and host Constantine J Kitrinos, CPFA. Watch the full episode to learn more about why Constantine can't stand these ads being pushed out about a decent policy that's being "sold" in a misleading way.

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00:37:14

Putting Profit First

PennyWise Financial ·

2023/07/13

It's been about 20 years since I've been in the ring but I hopped back in with the chance to spar with Rocky. Today's guest is Rocky Lalvani from Profit Comes First and he gives us a glimpse into how he helps small business owners understand, develop and maximize the most important part of their business - PROFIT! If you're a small business owner looking to do the same, his contact information can be found below. Tune in and subscribe to hear this and more. #profit #smallbusiness

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00:38:15

Shred like a Pro

PennyWise Financial ·

2023/04/20

One might question why we would have guests on the show who share similar business models or overlapping services to address the needs of our client base. The reality is, we view others in our field as colleagues, peers and people we can share ideas with and learn something new at the same time. Our firm practices and delivers all encompassing planning, but perhaps not in the same way as others. Today's guest is Adam Carroll, the founder of the Shred Method and we chat about the way he

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00:34:39

What is value?

PennyWise Financial ·

2023/03/08

People have a prudent duty to analyze expenses, budget and adjust accordingly. This is becoming more and more important as the economy continues to weaken and we take inventory of the products and services we're paying for. A few things we can't live without are food, shelter, and Netflix, so that means everything else is labeled a "luxury". All kidding aside, these are desperate times for many - especially those on a fixed income, and near, or in retirement. Those folks are not going to have more

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00:34:46

I think I can, I think

PennyWise Financial ·

2023/01/18

Things are putting a smile on the faces of many investors as the markets continue their consistent trend upwards. After last years volatility and losses, can these moves instill enough confidence for investors to feel better about their overall plan? We're still facing problems in the market that haven't been resolved, but can the market see past all the bad news? Earnings, consumer spending, inflation, the Fed and the war in Ukraine continue to pose a challenge for smooth sailing from this point

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00:30:56

Seatbelts Optional

PennyWise Financial ·

2023/01/11

Happy New Year, and welcome to the first episode of 2023! It's year five and our 86th episode under our belt. Thanks again for clients and prospects listening to and supporting the show. A New Year usually brings about change in several different ways. Don't get too cozy with rules because the only thing consistent is that they change - all the time. We barely scratch the surface and look at the Secure Act 2.0 that passed days before the new year. The act changes a number of things relating to

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00:45:43

Santa, Answer Your Phone!

PennyWise Financial ·

2022/12/21

In the final episode of the year and to closeout season 4, Constantine has David and Chris on to reflect on the happenings of this year and how things might shake out in the new year. Santa Rally in the cards? There are a few trading days left in the year, but no-one can say for sure what will happen. Unemployment, interest rates, the fed, overall state of the economy, challenges and data that support a tough environment may be changing course if a few things can get buttoned up. Hear from the trio

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00:41:24

No time to say goodbye - I'm late

PennyWise Financial ·

2022/12/14

The end of the year is weeks away and we'll be closing the door on an awful year, but it's not over yet. People are creatures of habit and have a tendency to wait until the last minute for just about everything. Investment accounts and tax considerations are no different. This time of year is notorious for people rushing to get started on a 401(k)'s, SIMPLE IRA's, IRA contributions, RMD's, HSA contributions and any other strategy that can make a big difference in your tax planning and retirement

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00:35:26

The Hard Way or The Easy Way

PennyWise Financial ·

2022/11/30

Some people cringe at the thought of planning for all their "stuff" and what happens to their children. Estate planning is not an easy thing to tackle, but it's a necessity because without a plan, the state has one for you. We've been helping more and more clients as they navigate a family loss. What it means as far as distributing money, taxes and who's in charge of it all. Chances are you've had a couple of jobs over the years. It's important to keep track of your retirement accounts throughout

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00:26:02

Everything Must Go

PennyWise Financial ·

2022/11/22

And the market sale continues. Black Friday deals have the ability to entice even the most cost-conscious consumer. This year it's NOT only the large-screen TVs that come at a discount. There's no shortage of stocks, bonds, and alternative investments that come with a 30% coupon. Will it be enough to settle the market turmoil and end the bear market? Conviction, earnings, and some type of catalyst other than buying stocks cheaper than they were selling a year ago. We need a catalyst and so far

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00:41:00

The fall is over

PennyWise Financial ·

2022/11/16

Mid-Term elections are over, CPI numbers are in and the overall market is responding. Boring is out and "tech" is back in, for today that is. Fall is over and the winter is moving into the northeast. That means higher heating bills and utilities in the coming months. We continue to fight off inflation and the fed and look for opportunities to invest. Are the cryptocurrencies setup for a big turnaround or is this when the nail gets hammered into the coffin? Trouble is knocking on the door of cryptos,

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00:45:32

Slow dance into Recession

PennyWise Financial ·

2022/11/09

The economy is slow, spending is going down and profits are beginning to shrink. Jerome Powell and the Federal Reserve are starting to smile, but is it enough? Smiles can only take you so far. Rates have been going up consistently which is helping to bring down CPI, but at this rate we're crawling into an inevitable whole called a recession. It's a slow dance which should've been more of a breakdance. You wouldn't want to punish yourself by watching either one of these hosts do any kind of dancing

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00:32:02

Business Owners Know How to Stack

PennyWise Financial ·

2022/10/12

Working for a company that offers benefits is great; owning your own business can be much, much better. That's right, you call all the shots, make your own schedule, set your own goals, and create a brand for yourself. It's all glitz and glam, but it doesn't come for those without the heart and dedication to make it work. A big difference between being the employer versus being the employee is the benefits package. Not all business owners know the best health plans to consider, understand life

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00:42:07

Don't Get Emotional! (feat. David Georgiev)

PennyWise Financial ·

2022/09/28

Today's episode features the one and only David Georgiev! Joining us for the last episode in September, David gives some great insight to the current landscape of the market and how to endure what is going on. The guys also stress the importance of not acting or investing emotionally. We discuss many things from #hurricaneian to insurance and much more - you never know what you're going to get when David joins! Sam, Constantine, and David chat about #investing, #marketloss, #insurance, #finance,

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113 results

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