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2024 FAFSA Updates: Navigating Changes in College Funding for Families

2024 FAFSA Updates: Navigating Changes in College Funding for Families

This year, students and their families will notice significant changes to the Free Application for Federal Student Aid (FAFSA) process. We'll review these changes and how they can impact families navigating college funding. Key topics include the reporting of student income, business and farm assets, retirement plan contributions, and the implications of having multiple children in college. Jason also touches on the impact of grandparent-owned 529 college savings plans on FAFSA results. Tune into this episode to also learn: How the new FAFSA rules in 2024 differ from previous years. The importance of understanding the nuances of reporting student income…

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Bitcoin ETF, Where Does It Fit Into Your Investments?

Bitcoin ETF, Where Does It Fit Into Your Investments?

Bitcoin has made a comeback in the last few weeks with the SEC's recent approval of Bitcoin ETFs. So, what does this mean for investors? Jason explains the implications of the Bitcoin ETFs, their accessibility for average investors, and the impact of this development on the value of Bitcoin while evaluating the risks regarding your investment strategy. He also discusses the broader context of investing in volatile assets like Bitcoin and offers guidance on approaching them within a diversified investment portfolio. Tune into this episode to also learn: The fundamentals of Bitcoin ETFs and their role in the financial market.…

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Breaking Down Medicare: What You Should Know Before Enrolling

Breaking Down Medicare: What You Should Know Before Enrolling

Jason Gabrieli is joined by recurring guest Bill Webb from Saratoga Medicare Advisors to dive into the topic of Medicare. They recognize that Medicare can be a complex subject and often misunderstood, leading to surprises regarding coverage. Jason and Bill aim to provide valuable insights and dispel misconceptions about Medicare. They start by breaking down the different parts of Medicare, exploring what they cover and who is eligible. They also discuss the options available regarding Medicare supplement and Medicare Advantage plans, highlighting the differences and benefits of each. Whether you're approaching Medicare eligibility or just looking to expand your knowledge,…

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What To Do With Those Old 401(k)s

What To Do With Those Old 401(k)s

  Whatever happened to that old 401(k) at your first job? Today, learn how to manage old employer retirement plans. Throughout this episode, gain insight into the various paths you can take with accrued retirement balances from past employment ventures. Jason reviews the options available to you, discussing the benefits and drawbacks of each to aid you in making informed choices regarding your retirement nest egg. As the conversation unfolds, you'll be acquainted with options such as retaining the plan with its current status, merging it into a new employer's arrangement, shifting it to an IRA, or opting for a…

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Should You Sell Your House for $1?

Should You Sell Your House for $1?

Would it ever make sense to sell your house for a few bucks? Jason Gabrieli dives into the world of estate planning, specifically focusing on the ownership of your house. Jason addresses a common misconception about selling your house to your kids for a low price, debunking the idea that it can help avoid taxes. He explains the federal estate tax exemption and the absence of estate tax in New Jersey, shedding light on why most people don't have to worry about estate taxes. Jason also discusses the concern of protecting your house from the cost of care and the potential…

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How to Invest in A Secure Financial Future for Your Children

How to Invest in A Secure Financial Future for Your Children

Jason Gabrieli zeroes in on a topic he often discusses with clients: investing for the younger generation in your family. Jason reviews the options available to you as a parent, grandparent, or guardian to begin fostering a secure financial future for them. Jason reviews several options, including accounts available under a custodian's supervision, individual or joint investment accounts, and, of course, the classic 529 college savings plan. Tune into this episode to also learn:  What makes UTMA and UGMA accounts a secure choice for investing in the younger generation's future, and what are the caveats? How does opening an investment…

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Aging with Grace: Ensuring a Burden-Free Future through Life Care Planning

Aging with Grace: Ensuring a Burden-Free Future through Life Care Planning

  HFM is shining the spotlight on the crucial topics of elder law planning and life care planning. CERTIFIED FINANCIAL PLANNER Jason Gabrieli is joined by Brittany Tedesco, Esq. from Bratton Law Estate and Elder Attorneys, a seasoned expert in the field, who guides listeners through the various aspects and timelines associated with these services. The conversation centers around the practical side of end-of-life planning and the resources available to those navigating this process, with the objective is to ease the pressure on the family and the client, allowing them to focus on their roles without worrying about technical aspects.…

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Calculating Your Optimized Social Security Formula

Calculating Your Optimized Social Security Formula

  CERTIFIED FINANCIAL PLANNER and Registered Social Security Analyst Catherine Allen-Carlozo sits with Jack McGee to delve into the world of social security and retirement planning. They emphasize the value of informed decision-making when it comes to social security benefits and retirement age. The discussion centers around exploring various options and strategies to maximize social security earnings. Accurate income figures take the spotlight, dispelling prevalent misconceptions about social security. Tune in as Catherine and Jack shed light on these crucial aspects of financial planning on this insightful episode of Dollar Wise. Tune into this episode to also learn:  What factors…

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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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