Tag: Interest Rates

FEATURE
The Current Financial State with Jennifer Fox, V.P of Federal Affairs at Finseca

The Current Financial State with Jennifer Fox, V.P of Federal Affairs at Finseca

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With the federal deficit nearing $2 trillion, understanding how these numbers impact your financial future has never been more critical.

Join Evan Wohl as he chats with Jennifer Fox, Vice President of Federal Affairs at Finseca, about the current financial state of the U.S. economy and its political implications. Facing heightened interest rates, substantial federal deficits, and upcoming tax reforms, they explore how these challenges can shape the financial landscape. You will gain insights into the current state of Social Security, Medicare, and strategies to manage long-term care costs, along with understanding the key economic discussions that will influence the 2025 presidential race.

Evan and Jennifer discuss:

  • Jennifer’s background and day to day operations at Finseca.
  • The impact of interest rates on the federal deficit and budget.
  • Possible financial issues facing the country over the coming decades. 
  • The importance of planning for long-term care and baby boomer preparedness.
  • The tax law sunsetting in 2026 and its possible impact on the upcoming election.
  • And more

Connect with Evan Wohl:

Connect with Jennifer Fox:

About Jennifer Fox:

Jennifer Fox is the Vice President of Federal Affairs at Finseca. She leads their lobbying initiatives, advocating for policies that support the financial security profession and educating policymakers and their staff on the importance of comprehensive financial planning, encompassing life insurance, retirement planning, and investments, to serve clients effectively. 

Jen led Finseca’s political advocacy initiatives, which included the Ambassador Program, fly-ins, and political fundraising, including Finseca’s PAC. She is committed to assisting members in becoming politically involved and empowering them to share their stories. 

Jen has spent time at the White House and Capitol Hill, which has helped shape her knowledge of small business, technology, labor, and tax issues. She also serves as the President of The Advocacy Association.

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FEATURE
REPLAY: Life Insurance with Bobby Samuelson, Part 1: Whole Life Insurance

REPLAY: Life Insurance with Bobby Samuelson, Part 1: Whole Life Insurance

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With the typical asset division in investment planning being turned on its head, life insurance could be a beneficial alternative option. 

How does life insurance fit within portfolio planning?

In this episode, Iván Watanabe and Evan Wohl speak with Bobby Samuelson, Executive Editor at Life Product Review and President of Life Innovators. Together they discuss whole life insurance by exploring the importance of understanding the insurance company and its investment strategies when choosing a whole life policy.

Join the conversation and learn about:

  • How life insurance acts as an alternative investment
  • The complexities of investing in bonds
  • The importance of owning a participating policy from a mutual insurance company
  • How whole life insurance can benefit you as a fixed-income asset class
  • And more

Connect with Iván Watanabe:

Connect with Evan Wohl:

Connect with Bobby Samuelson:

About Bobby Samuelson:

Bobby co-founded Life Innovators in 2018 and has been President and CEO since its inception. Bobby was formerly Senior Vice President and Head of Life Insurance and Annuity Product Development and Pricing at Brighthouse Financial and Vice President of Life Product Development at MetLife. He is also the Executive Editor of The Life Product Review since 2012. Bobby is a regular keynote speaker at corporate and industry events.

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FEATURE
Working With A Financial Advisor

Working With A Financial Advisor

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Navigating the twists and turns of today’s financial landscape is bound to raise a few questions.

Join Evan Wohl and Iván Watanabe as they delve into some of the most pressing financial queries and scenarios you may be facing in the current environment while highlighting the importance of having a financial advisor to help guide you. 

This conversation reflects on today’s real estate market dynamics, and the implications of interest rate changes, and expands into the broader scope of financial planning and investment strategies. 

Iván and Evan discuss:

  • The impact of the current interest rate environment on buying decisions in the real estate market
  • Strategies for navigating high mortgage rates and understanding the broader historical context of interest rates
  • The growing interest in cryptocurrencies like Bitcoin and how they could fit into contemporary investment portfolios
  • The importance of asset liquidity and preparedness 
  • The value of diversified banking and safeguarding assets
  • And more

Resources:

Connect with Iván Watanabe:

Connect with Evan Wohl:

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FEATURE
Strategies for Real Estate Success with Scott Shuman

Strategies for Real Estate Success with Scott Shuman

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Are you looking to sell your home and need insight into the current market? 

Want to know what potential buyers are looking for and what you can do to attract them? 

If you’re ready to list your house, make listening to this episode your first to-do!

Join our host Evan Wohl and his guest Scott Shuman, COO of The Sue Adler Team as they discuss the ever-changing real estate landscape. They hone in on how the pandemic and the shift in work habits are nudging folks from the hustle and bustle of city life to the quieter suburbs, and why you might want to hang on to your property as a source of income. 

Should you stay or go? 

Find out as this episode highlights:

  • What caused the shift in the real estate market during Covid
  • How have rising interest rates affected buyer activity and seller hesitation
  • The importance of finding a trusted real estate advisor before making decisions about home improvements or selling
  • Why you should consider holding onto property for rental income
  • Tips and guidance on how to increase the value of your home
  • Insight into the permits and legal requirements for selling/buying
  • And more

Resources:

Connect with Evan Wohl:

Connect with Scott Shuman:

About Our Guest:

Scott Shuman, Morristown, grew up in Chatham and has been with The Sue Adler Team since 2010. Scott spearheads all of the team’s operations, and in a nutshell, is responsible for ensuring that the Sue Adler Team runs efficiently and effectively,  with client service always at the forefront, creating the best possible experience for our clients. If you have a conversation with Scott, it will instantly become clear how passionate he is about the real estate industry – he is one of the rare people (besides Sue), who got his real estate license as soon as he turned 18!   Scott has had his hand in almost every role in the industry from working with buyers and sellers to transaction management, to lead conversion to SEO and online marketing and everything in between.

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FEATURE
Life Insurance with Bobby Samuelson, Part 2: Index Universal Life Insurance

Life Insurance with Bobby Samuelson, Part 2: Index Universal Life Insurance

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Considering Indexed Universal Life Insurance (IUL) but still trying to figure out where to start? 

You aren’t alone. 

Social media has promoted its benefits but also some misconceptions which can lead to confusion.

In this episode of WealthStyle, Iván Watanabe and Evan Wohl are joined by Bobby Samuelson, Executive Editor at Life Product Review and President of Life Innovators for part two of this Life Insurance mini-series. 

Join the conversation to get a better understanding of:

  • Indexed Universal Life Insurance; it’s benefits and risks
  • Why you shouldn’t always believe what you see online concerning life insurance
  • The difference between Whole Life Insurance and Indexed Universal Life Insurance
  • And more

Resource:

Connect with Iván Watanabe:

Connect with Evan Wohl:

Connect with Bobby Samuelson:

About Bobby Samuelson:

Bobby co-founded Life Innovators in 2018 and has been President and CEO since its inception. Bobby was formerly Senior Vice President and Head of Life Insurance and Annuity Product Development and Pricing at Brighthouse Financial and Vice President of Life Product Development at MetLife. He is also the Executive Editor of The Life Product Review since 2012. Bobby is a regular keynote speaker at corporate and industry events.

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FEATURE
Life Insurance with Bobby Samuelson, Part 1: Whole Life Insurance

Life Insurance with Bobby Samuelson, Part 1: Whole Life Insurance

By |

With the typical asset division in investment planning being turned on its head, life insurance could be a beneficial alternative option. 

How does life insurance fit within portfolio planning?

In this episode, Iván Watanabe and Evan Wohl speak with Bobby Samuelson, Executive Editor at Life Product Review and President of Life Innovators. Together they discuss whole life insurance by exploring the importance of understanding the insurance company and its investment strategies when choosing a whole-life policy.

Join the conversation and learn about:

  • How life insurance acts as an alternative investment
  • The complexities of investing in bonds
  • The importance of owning a participating policy from a mutual insurance company
  • How whole life insurance can benefit you as a fixed-income asset class
  • And more

Connect with Iván Watanabe:

Connect with Evan Wohl:

Connect with Bobby Samuelson:

About Bobby Samuelson:

Bobby co-founded Life Innovators in 2018 and has been President and CEO since its inception. Bobby was formerly Senior Vice President and Head of Life Insurance and Annuity Product Development and Pricing at Brighthouse Financial and Vice President of Life Product Development at MetLife. He is also the Executive Editor of The Life Product Review since 2012. Bobby is a regular keynote speaker at corporate and industry events.

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FEATURE
Current Market Dynamics with Evan Wohl and Rob Pruett

Current Market Dynamics with Evan Wohl and Rob Pruett

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Predicting the future is something that many people expect investment and wealth advisors to do, especially when it comes to fluctuations within the market. 

Join Evan Wohl and Rob Pruett from OPUS Private Client, LLC, for a candid discussion surrounding the current market dynamics and how advisors can help clients create flexible plans based on timeless investment principles.

Evan and Rob discuss:

  • Current market conditions and challenges facing clients
  • The importance of sticking to a long-term investment plan 
  • Ongoing increases and changes to tax rates, interest rates, and inflation  
  • Why you should work with a professional for financial planning
  • And more

Connect with Evan Wohl:

Connect with Rob Pruett:

About Our Guest:

Robert P. Pruett has been a wealth advisor with Opus Private Client, LLC for 14 years performing planning for high-net-worth individuals, families, and business owners. Rob uses leading-edge advanced personal planning techniques to protect and maximize each client’s wealth, retirement, and estate plans. Rob also consults with 50-to-800-person firms to deliver high-value corporate benefit programs, with a special focus on delivering healthcare savings of 10-15% or more through Opus’ proprietary reimbursement program offering.

His specialties include asset management, institutional investing, tax planning, life insurance, disability, annuities, and long-term care insurance, corporate benefits programs, executive benefit programs, retirement, and estate planning, and legacy and charitable planning.

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FEATURE
When Is the Right Time to Buy a House?

When Is the Right Time to Buy a House?

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Buying a home may seem like the right thing to do, but is it?

There are many factors to consider before you purchase a home, and the most obvious is, can you afford the mortgage payments? Then on top of that, there are annual property taxes and monthly utilities like gas and electricity. And don’t forget about the less obvious expenses like furniture and decor, and unexpected repairs or upgrades.

The reality is, it requires a lot of financial planning before you put an offer on a house.

In this episode of WealthStyle, Iván Watanabe and Evan Wohl explore the different reasons why their clients want to buy houses, how the costs associated with owning a home factor into financial and retirement planning, and how much the housing market has changed post-pandemic.

Iván and Evan discuss:

  • The financial costs of owning a house after the initial purchase
  • How your financial plans will shift when planning to buy a house
  • The role of mortgage and interest rates and how they are constantly changing
  • The emotional effects of buying a home 
  • And more

Connect with Iván Watanabe:

Connect with Evan Wohl:

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FEATURE
The New 1980s Inflation with Rob Pruett

The New 1980s Inflation with Rob Pruett

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After maintaining steady inflation of just under 2% for over a decade, America is now seeing the highest inflation rates since the late 1980s.

In this episode, Iván Watanabe and Rob Pruett explore the rising interest rates and inflation faced by consumers and businesses. They dive into the state of the economy while revealing ways clients can make the most out of the market volatility.

Iván and Rob discuss:

  • The role inflation plays with consumers and businesses
  • What the future looks like in terms of inflation and interest rates
  • Reasons pre-retirees and retirees should invest in their 401(k) plans
  • How interest rates impact client debt
  • And more!

Connect with Rob Pruett:

Connect with Iván Watanabe:

About Our Guest:

Robert P. Pruett has been a wealth advisor with Opus Private Client, LLC for 14 years performing planning for high-net-worth individuals, families, and business owners. Rob uses leading-edge advanced personal planning techniques to protect and maximize each client’s wealth, retirement, and estate plans. Rob also consults with 50-to-800-person firms to deliver high-value corporate benefit programs, with a special focus on delivering healthcare savings of 10-15% or more through Opus’ proprietary reimbursement program offering.

His specialties include asset management, institutional investing, tax planning, life insurance, disability, annuities, and long-term care insurance, corporate benefits programs, executive benefit programs, retirement, and estate planning, and legacy and charitable planning.

 

Historical podcasts are for informational purposes only and may not be our current opinions. Data and rates used were indicative of market conditions as of the date of the recording. Opinions, estimates, forecasts, and statements of financial market trends were based on those market conditions and are subject to change without notice.

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FEATURE
Navigating the World of Mortgages — With Pat Tobin

Navigating the World of Mortgages — With Pat Tobin

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Getting a mortgage for your new home shouldn’t drain the joy out of accomplishing a lifelong goal. That’s why Cardinal Financial Company works to create a better mortgage experience so that your home buying process is simple and easy to navigate.

Today, Iván Watanabe sits down with the firm’s loan originator, Pat Tobin. Pat breaks down Cardinal Financial’s transparent and simple approach when providing clients with the home loans they need and provides tips for securing your next mortgage. 

In this episode, you will learn:

  • What you need to know about the current mortgage marketplace 
  • Pat’s advice for those who want to reassess their mortgage situation 
  • The truth about cash out refinancing 
  • Best practices to achieve a quick and seamless loan approval process 
  • And more!

Whether you’re considering a new loan or refinancing, tune in today and discover everything you need to know about today’s mortgage landscape!

Resources:   Opus Private Client, LLC | Iván Watanabe | Patrick Tobin: (508) 274-8645 | LinkedIn | Cardinal Financial Company on LinkedIn

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FEATURE
Retirement Threats — Part 5 — With Rob Pruett

Retirement Threats — Part 5 — With Rob Pruett

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How can you plan for the retirement you desire when there are many uncertainties that could impact it, like new economic and legislative changes?

Find out in this episode, as Iván Watanabe joins Rob Pruett to explore a fifth and final retirement threat, legislative and economic changes. 

Rob discusses how proactive planning can help address the risk economic and legislative changes can bring to your retirement so that you can enjoy this life phase regardless of where the market, taxes, interest rates stand. 

In this episode, you will learn:

  • The importance of understanding past and current interest rates 
  • How different tax laws relate to retirement planning 
  • Ways annuities can benefit retirees and pre-retirees 
  • The importance of asset diversification 
  • And more!

Listen today for tips and tricks that can help you secure your retirement despite ever-changing economic rules and regulations! 

Retirement Threats Mini-Series:  

Resources:  

Historical podcasts are for informational purposes only and may not be the current opinions of the speakers.  Although the information was accurate at the time it may no longer be applicable.  These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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