Podcast Archives - HFM Investment Advisors, LLC

In the competitive world of elevator installation and maintenance, few stories resonate as deeply as that of Bill McGrath, the founder of South Jersey Elevators (SJE). Bill’s journey from humble beginnings to establishing a thriving business over the last 12 years showcases the resilience, hard work, and lessons learned from setbacks. His story is an inspiring tale of entrepreneurship, dedication, and the importance of family support, all while navigating the ups and downs of building a company in a challenging industry. The Beginning: Taking a Leap of Faith Bill McGrath’s path to entrepreneurship wasn’t an immediate leap, but rather, a…

Building a Business from the Ground Up with Bill McGrath

Business Owners, Podcast

In this episode of The Entrepreneur’s Journey, host Michael Pallozzi sits down with Bill McGrath, owner of South Jersey Elevator, to discuss his journey from working in the trades to launching and scaling his own successful elevator company. Bill shares his early influences, the pivotal moment that led him to take the leap into entrepreneurship, and the challenges he faced along the way. He also talks about the lessons he learned from his father, the importance of resilience, and the future of his company, including his son’s growing role in the business. Tune into this episode to also learn: How…

Shifting from Saver to Spender: Embracing Financial Freedom in Retirement

Podcast, Retirement Planning

As we approach retirement, one of the biggest transitions we face is shifting from the mindset of a saver to that of a spender. This change is often more difficult than it sounds. Many of us have spent our entire working lives focused on saving, and once the steady paycheck stops, it can feel like an overwhelming leap to start spending the wealth we've worked so hard to build. In the latest episode of the Dollar Wise Podcast, Catherine Allen-Carlozo, Certified Financial Planner at HFM Investment Advisors, explored this very topic with a couple of retired clients who were struggling…

From Saver to Spender: How to Enjoy Your Money in Retirement Without Fear

Podcast, Retirement Planning

In this episode, Catherine Allen-Carlozo, a Certified Financial Planner at HFM Investment Advisors, explores the transition from being a saver to a spender in retirement. Many retirees struggle with the fear of spending their savings, worrying about outliving their money, market crashes, or unexpected medical expenses. Catherine shares practical strategies to build confidence in spending, create a structured withdrawal plan, and align financial decisions with personal values and goals. If you’ve worked hard to save for retirement, this episode will help you shift your mindset and enjoy your wealth without fear. Tune into this episode to also learn:…

From Criminal Justice Dreams to Running a Legacy: Tyler Hoehe’s Story

401(k), Business Owners, Podcast

Welcome back to the Dollar Wise Podcast. In this episode, host Michael Pallozzi sits down with Tyler Hoehe, the fourth-generation owner of Ed's Body Shop in Bridgeton, NJ. Tyler shares her incredible journey from dreaming of a career in law enforcement to becoming the youngest entrepreneur featured on this podcast. Discover how her family's legacy influenced her decision to take over the business, the challenges she faced as a woman in a traditionally male-dominated industry, and how she's expanding the shop's services to include heavy-duty equipment repair. This conversation dives deep into her growth, passion, and dedication to carrying on…

Scaling Success in the Trades Industry with Ron Cuff

Business Owners, Podcast, Uncategorized

Welcome to another episode of The Entrepreneur's Journey with Michael Pallozzi, where successful entrepreneurs share their stories of starting, growing, and eventually selling their businesses—or transitioning them to the next generation. In this episode, Pallozzi speaks with Ron Cuff, CEO and co-owner of High Point Home Services, about his remarkable entrepreneurial journey in the trades industry. With years of experience in investment advising, Pallozzi leads insightful conversations designed to help entrepreneurs learn from one another’s successes and challenges. Ron’s journey in the trades industry is one of grit, growth, and strategic pivots. He co-founded High Point Roofing in 2017 with…

What’s the Secret to Turning a Construction Job Into a Scalable Business, Like Ron Cuff?

Business Owners, Podcast

Welcome back to the Entrepreneur’s Journey, a podcast dedicated to exploring the paths of successful entrepreneurs. In this episode, Michael Pallozzi sits down with Ron Cuff, co-CEO of High Point Home Services and Brand President of High Point Roofing. Ron shares his inspiring journey of transitioning from construction labor in his youth to building, scaling, and successfully exiting businesses in the trades industry. Listen as they delve into his upbringing, early challenges, and eventual successes, culminating in the development of "Forge," a comprehensive educational platform for trades business owners. This episode is packed with actionable insights for aspiring and seasoned…

Are Multi-Year Guaranteed Annuities a Smart Choice in a Rising Rate Market?

Investments, Podcast

In this episode, Jason Gabrieli, a certified financial planner at HFM Investment Advisors, discusses the increasing interest in multi-year guaranteed annuities as interest rates rise. With more clients and insurance agents inquiring about these products, Jason dives into the pros and cons, potential pitfalls, and considerations to make before adding them to your financial plan. If you're curious about annuities or have received pitches recently, this episode will provide you with essential information to help you make informed decisions. Tune into this episode to also learn: How higher interest rates impact financial products like annuities. The differences between various types…

From Burnout to Balance: Jen Goldman’s Guide for Thriving Businesses

Financial Wellness, Podcast

Welcome to this insightful episode of The Entrepreneur’s Journey, where Michael Pallozzi speaks with his longtime friend, business transformation specialist, Jen Goldman. They explore Jen’s passion for empowering small businesses to thrive, not just grow, and discuss her unique journey from humble beginnings to becoming a change agent for entrepreneurs. Jen reveals the critical importance of financial literacy, understanding profit and loss, and the discipline needed for businesses to make clear, strategic decisions. Through shared experiences and practical tips, Jen and Michael underscore how small business owners can build sustainable practices to drive growth, overcome burnout, and maintain a work-life…

Navigating Election Uncertainty: How to Protect Your Investments and Avoid Panic

Financial Wellness, Podcast

With another election on the horizon, it’s no surprise that many of our clients are feeling nervous. The constant stream of headlines predicting market doom or dramatic economic shifts depending on who wins can leave even the most seasoned investors questioning their strategy. But while concerns about political change are understandable, it’s important to remember that markets—and disciplined investors—have navigated turbulent times before. Understanding Election-Year Anxiety A common fear among investors is that a change in leadership could trigger a financial crisis, or worse, send the economy into a tailspin. Whether it's concerns over new policies, rising taxes, or market…