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Rich vs. Wealthy: What’s the Difference?

Rich vs. Wealthy: What’s the Difference?

  Although the two might be used interchangeably, rich and wealthy have two meanings in financial planning. CERTIFIED FINANCIAL PLANNERS Jason Gabrieli and Catherine Allen-Carlozo discuss the importance of saving, building wealth, and aligning spending with financial goals. They emphasize the role of net worth and assets in achieving financial freedom, dispel the belief that wealth is only about lifestyle and consumption, and stress the significance of living below one's means and making wise financial choices. They provide examples and insights to encourage long-term wealth building and advise against get-rich-quick schemes. Tune into this episode to also learn:  Is income…

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Contingency-Free Real Estate: How Anyone Can Become A Cash Buyer

Contingency-Free Real Estate: How Anyone Can Become A Cash Buyer

The real estate market is as competitive as ever, even for the most qualified buyers. And if you’re like most people and need to place contingencies in your offer, such as needing to sell your home first or getting approved for a mortgage, the seller would incur greater risks with you and so they would likely choose a cash offer instead. Thomas Bickett from AnnieMac Home Mortgage joins Jason to discuss how anyone can become a cash buyer with their Cash2Keys Program, a game-changing solution that empowers buyers to secure their dream homes with confidence. Tune into this episode to…

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Engage Your Employees with Financial Wellness

Engage Your Employees with Financial Wellness

Curious about the latest trends in employee benefits to boost engagement? More and more employers are becoming aware of the positive impact of financial wellness. A well-crafted financial wellness program can provide employees with the knowledge and tools to understand why, when, and how to achieve savings success. It’s important to understand the implications of financial stress in the workplace, how much it might be costing you, and the value behind financial education on an ongoing basis. At HFM, we offer financial wellness tools and resources designed to engage employees and put financial freedom within reach. HFM Ignite financial wellness…

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Improve Your Bottom Line With a Financial Wellness Program

Improve Your Bottom Line With a Financial Wellness Program

A financial wellness program can help protect your company from the negative effects of financial stress. If you are looking to improve your bottom line, perhaps you should consider the business case for financial wellness.  Your company can be feeling the effects of the high cost of turnovers, as well as silent quitting behaviors such by minimal effort and enthusiasm. But with a proactive approach to managing finances through the implementation of a financial wellness program, New Jersey businesses can help alleviate money-related pressures while boosting morale and improving their company’s bottom line. Calculate how much your company will benefit…

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Compete for Top Talent in a Tight Labor Market

Compete for Top Talent in a Tight Labor Market

To compete for top talent, companies are looking for innovative ways to stand out in a competitive labor market. Employees are looking for beefed-up benefits that support their social, physical, mental, and financial well-being.   Focusing on employee well-being is a key strategy companies use to compete for top talent. Creating a culture of wellness in the workplace is a trend that’s catching on with employers across the country. Especially with the tight labor market in New Jersey, this could be a way to stand out from the competition. A culture of wellness encourages employee health and well-being holistically by…

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Making College Count: Calculating the Long-Term ROI of Your Education

Making College Count: Calculating the Long-Term ROI of Your Education

  Summary College is one of the biggest investments a family might make. But, most families jump in head first without understanding the true cost of college or calculating the potential return on investment. Donna Baines of Baines College Planning joins Jason to discuss how to make wise investment decisions when it comes to your child’s education, the resources available to parents and students, and alternative options besides college. Tune into this episode to also learn: What you should consider to narrow down a list of right-fit colleges for your child Find out what college will really cost you Alternative learning paths besides college…

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Finding Opportunities in the Chaos: Why You Should Invest During Market Volatility

Finding Opportunities in the Chaos: Why You Should Invest During Market Volatility

2022 was a rough year for investors. And when the market becomes challenged, people begin to feel intimidated and might look to put their money elsewhere. And yes, investing involves risk, but don't stick your head in the sand and think relying on bank interest will be enough to reach your goals because, historically, you will lose to inflation over the long term. Jason and Tyler review market turbulence, past market performance and what those investments would be worth today. Tune into this episode to also learn: How to beat inflation The right way to calculate how much you’re really…

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Is Financial Education on Company Time Worth It?

Is Financial Education on Company Time Worth It?

Financial education is becoming increasingly important in today's world, but is it worth the company's time and resources to provide such a service? Helping employees reduce financial stress can help improve wellness, retention and productivity – and cost a fraction of the time lost from overwhelmed employees.   Looking for a way to combat high turnover and stress? Financial education and wellness programs for employees may help! Not only do financial issues affect employee productivity, but they can also impact your ability to retain staff. A recent survey found that more than half of stressed employees (55%) are distracted by…

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How Financial Stress Impacts Your Company

How Financial Stress Impacts Your Company

Financial stress is having a profound impact on workers, and in turn, New Jersey business leaders. Stressed employees are feeling the pinch; this can affect productivity, retention, and engagement at work. Financial education could be an easy solution that helps your employees and overall business. Many employees are having a difficult time coping with financial stress. Weathering the last several years – a pandemic, geopolitical tensions and economic uncertainty – has only exacerbated their stress levels. Unsurprisingly, elevated stress carries into the workplace impacting operational costs including retention, mental health expenses, productivity and the company’s bottom line.   Inflation, Debt…

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Let’s Talk About Cash

Let’s Talk About Cash

  With recent banking collapses and interest rates still at recent highs, understanding the right place for your cash is more important than ever. In this episode, we discuss different options for cash while maximizing its value and protection. We’ll explore alternatives to bank accounts like money market funds and treasury bills. By comparing various cash management strategies, you'll gain insights into the most effective ways to safeguard your wealth in uncertain times without sacrificing growth potential. Tune into this episode to also learn:  Options for how to store your cash How to maximize your money while maintaining a cash…

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