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Episode 47 – Should Couples Combine Their Finances?

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 47 - Should Couples Combine Their Finances?
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Jesse and Gabe sit down with Allison Schraf, a Senior Wealth Planner at Cobblestone Capital Advisors, to discuss the pros and cons of couples (whether married or not) combining their finances. Topics include:

– the importance of communication, transparency, and compromise.

– practical advice on creating a household budget, allocating expenses, and managing joint finances.

– the importance of updating beneficiaries and life insurance coverage after marriage, and updating personal property coverages.

– the need to periodically review and update these arrangements to ensure they align with changing financial needs and circumstances.

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 46 – Smart Golf = Smart Investment Management

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 46 - Smart Golf = Smart Investment Management
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Jesse and Gabe meet at the 9th green at 9 for a chat about golf and wealth management, and the varied similarities between the two. Both are exercises in:

– Seeking reward while managing risk

– Striving to reach your own personal goals, ignoring the outside noise

– Planning for what’s next and looking ahead

– Occasionally hitting it the sand – but focusing on a smart recovery

– Seeking guidance for experts who walked the course before

– And much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 45 – Investing in Commodities – Is it Fool’s Gold?

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 45 - Investing in Commodities - Is it Fool's Gold?
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Jesse and Gabe are joined by Charlie Ruff, Cobblestone’s Head of Investment Strategy & Communications, to discuss commodities investing: the good, bad, and ugly. Specifically, the three discuss:

– what are the different “genres” of commodities?

– why does the commodities market exist?

– is it worth considering commodities in a diversified portfolio?

– do you have to *own* the physical commodities themselves?

– and much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 44 – Should You Own International Stocks?

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 44 - Should You Own International Stocks?
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Jesse and Gabe are joined by Jordan Millner, Cobblestone’s Head of Global Equities, to discuss the merits of international stocks within a diversified portfolio. They answer questions such as:

– Do international stocks traditionally outperform U.S. stocks, or vice versa?

– Why can’t global market companies (e.g. Apple) be considered international companies?

– What are generally accepted international allocations?

– What are the various risks of investing in international markets?

– What’s the difference between “International” and “Emerging” markets?

– And more…

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 43 – $100,000 Per Year?! Let’s Talk 529 Plans

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 43 - $100,000 Per Year?! Let's Talk 529 Plans
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Jesse and Gabe go deep on the topic of 529 plans today, helping their listeners understand this fundamental tool in saving for college. Their conversation covers:

– The basics of 529 plans

– The major benefits, such as tax-free investment growth

– The downsides, like illiquidity and penalties for certain withdrawals

– The nuance of the recently publicized “529 to Roth” conversion

– How to balance 529s into your overall financial plan

– and much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 42 – Running the Rochester Red Wings

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 42 - Running the Rochester Red Wings
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Charlie Ruff and Jesse (sorry Gabe!) sit down with Dan Mason, the General Manager of the Rochester Red Wings, to talk all things Minor League Baseball. Their conversation covers:

– The Red Wings’ new “bat dog,” Bruce!

– Ball park fun in the minors

– Interactions between different teams’ general managers

– The business model of the minors

– Dan’s top Red Wings players ever

– and much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 41 – The Compound Value of Tax Planning

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 41 - The Compound Value of Tax Planning
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Gabe and Jesse sit down with Tobin Woodruff, a Senior Wealth Planner at Cobblestone Capital Advisors. Tobin is an expert on tax planning, so today’s conversation revolves around:

– The basics of a 1040 Federal Tax return, and why individuals need to be aware of it

– When to know if you need a tax professional

– Withholdings and refunds

– Tax tips for both young and old investors

– “Trading” tax rates (a la Roth conversions)

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.  Cobblestone is not licensed to provide and does not provide legal, tax or accounting advice to clients.  Advice of qualified counsel or accountant should be sought to address any specific situation requiring assistance from such licensed individuals.

Episode 40 – Hard Money Talks with Family and Friends

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 40 - Hard Money Talks with Family and Friends
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Gabe and Jesse chat 1-on-1 about how to conduct challenging financial conversations with friends and family. It’s never easy. But done well, having an important financial conversation helps everyone involved, and prevents negative emotions in the long run. Specifically, Gabe and Jesse cover:

– The various people in life who you’ll end up “talking money” with

– How to broach the conversation in the first place

– Why interpersonal roles matter so much

– Tips and tricks on starting, conducting, and ending these conversations

– And much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 39 – Earnings Season: What to Watch For

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 39 - Earnings Season: What to Watch For
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Gabe and Jesse sit down with Charlie Ruff, Senior Portfolio Manager at Cobblestone, to discuss the details of earnings season in the stock market. Their conversation includes:

– What is earnings season, and why should we care about it?

– What data do companies release, and what kind of conversations do they have with investors?

– How useful is earnings season, and what takeaways should long-term investors have?

– Does earnings season contain useful economic signals?

– What companies act as “bellwethers” for the economy, and why?

– And much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Episode 38 – When Do You Need Personal or Business Insurance

Cobblestone Capital Advisors
Cobblestone Capital Advisors
Episode 38 - When Do You Need Personal or Business Insurance
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Gabe and Jesse chat with Adrian Morgenstern, founder and president of Morgenstern Insurance Services, about the intricacies of personal and commercial insurance. Their conversation includes:

– Going beyond simple home and auto policies

– The difference between growing wealth and protecting wealth

– Important questions people should consider about their personal risk appetite

– How business/commercial insurance is vastly different than personal insurance

– The craziest insurance claims Adrian has seen

– And much more

 

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.