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.
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.
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
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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.
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
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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.
Gabe and Jesse chat with Cobblestone CEO and Managing Partner John DiPasquale to review the year of 2023 and look at significant economic and investing questions facing us all in 2024. Specific topics include:
– How’d the market do in 2023, and why?
– The important takeaways from 2023, including thoughts on cash allocations and broad diversification
– How expectations played a role in 2023 results and how they set the table for 2024
– How interest rates, inflation, and economic strength play pivotal roles in the year ahead
– What long-term investors should be thinking heading into 2024
– 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.
Gabe and Jesse answer listener questions for their second rendition of “Ask Us Anything.” Topics for this episode include:
– “Why did my account go up so much in November and December?”
– “S&P, Dow Jones, NASDAQ…which should I be looking at?”
– “Should I have any money in banks right now with low interest?”
– “How are capital gains taxes calculated?”
– “When should I start saving for my kids’ college?”
– 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 35 - When Your Loved Ones Have Alzheimer's
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Gabe and Jesse sit down with Arlene Wilson, director of programs for the Alzheimer’s Association of Rochester and the Finger Lakes, on Episode 35 of The Trusted Partner Podcast. They discuss the best ways we can help friends and loved ones suffering from Alzheimer’s, including:
– Signs and symptoms of cognitive decline
– Resources that can help our loved ones get evaluated
– How to broach the conversation, “I’m worried about you.”
– Financial planning and life planning needs
– 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.
Gabe and Jesse sit down with David Brown, founder and managing partner at Impellent Ventures, on Episode 34 of The Trusted Partner Podcast. They discuss the basics of the venture capital space, including the venture space in Western New York:
– What is venture capital?
– How young are typical venture capital companies?
– Where does the funding capital come from?
– What kind of support do startups need beyond funding?
– What does the risk/reward spectrum look like for venture?
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.
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