Category Archives: Financial

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Supporting a Recent College Graduate (Ep.50)



As a parent, you want to support your kids to get them started in life. But how do you know when you’re giving them too much financial support?

In this episode, Jeff Green and Lauren Smith provide tips and tricks to help parents support their college graduates as they transition for what’s next without going over budget. 

Jeff and Lauren discuss:

  • How you can destroy your retirement by helping your children financially
  • The value of teaching your children about how money works 
  • The importance of your children learning how to budget 
  • And more

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10 Things You Should Know When Estate Planning (Ep.49)



There will eventually come a time when you pass away but that doesn’t mean you should wait until then to start building a comprehensive estate plan.

In this episode, Jeff Green and Lauren Smith discuss 10 things you should know about estate planning and will be your guide to making confident decisions about your estate planning.

Jeff and Lauren discuss:

  • How an estate planning attorney can help you
  • The value of using an online cloud-based digital storage to store important documents
  • Why it is important to consider who you are assigning as your beneficiaries
  • And more

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Raymond James and its advisors do not offer legal advice. You should discuss any legal matters with the appropriate professional.


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New Investing Lingo being Used by Younger Folk (Ep.48)



Language is a beautiful thing as it can seamlessly morph and adapt to changing times, but sometimes as older folks, it can be a little tough to understand the lingo of the younger crowd.

In this episode, Jeff Green and Lauren Smith identify the meaning of some investing terms used by younger people. They also share where these terms are originating from as more younger people are starting to invest their money into the stock market.

Jeff and Lauren discuss:

  • How Reddit has influenced the investing terms used by young people
  • Investing terms you should know to understand what your kids are talking about
  • How you can compare original investing terms to the current lingo being used
  • And more

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College Planning Using a 529 Plan With Ryan White, CIMA® (Ep.47)



Most people can agree that they’re concerned about college education planning and ultimately paying for the cost of college.

A 529 plan is a great tool in helping you reach your education savings goal.

In this episode, Jeff Green and Lauren Smith talk with Ryan White, CIMA® a director of product management at Columbia Threadneedle Investments, US. You will learn why a 529 plan is a simple way to save for all educational related expenses, and what your three options are if you still have money in your 529 account after college.

Ryan discusses:

  • The basics of 529 planning
  • How a FAFSA will calculate your eligibility for financial aid
  • The opportunities for tax benefits that set a 529 apart from other vehicles
  • And more

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Connect With Ryan White:

About Our Guest:

Ryan White, CIMA®, is an experienced financial services professional with a demonstrated history of success in distribution, product management, and relationship management in the asset management industry.

As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover college costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. Investors should consider, before investing, whether the investor’s or the designated beneficiary’s home state offers any tax or other benefits that are only available for investment in such state’s 529 college savings plan. Such benefits include financial aid, scholarship funds, and protection from creditors. The tax implications can vary significantly from state to state.

 


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Creating the Pre-Retirement Checklist (Ep.46)



It might feel good to just up and retire from your job without any plan. But that may not be the smartest choice.

In this episode, Jeff Green and Lauren Smith talk about the ‘pre-retirement checklist’ they have created for their clients and how it can change their entire experience of the retirement lifestyle. They also go into detail about the difference between clients that have used this plan far in advance and clients who have used this a little later in the game.

Jeff and Lauren discuss:

  • Their personally constructed retirement checklist
  • How to establish your values in retirement to help you stay fulfilled after your working years are over
  • Why it is important to be discussing your retirement plans, aspirations, and wants early-on with your spouse
  • The strategy of picking a specific date to have your goals established for retirement
  • And more

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Starting Your Career in Financial Services with Melanie Knight (Ep.45)



Everybody has their own personal experiences which helped them kick start their career in the financial industry.

In this episode, Jeff Green and Lauren Smith talk with Melanie Knight, director of operations and client services at Green Financial Group, to discuss her experience going directly from college to starting her career at Green Financial Group. 

Melanie discusses:

  • The responsibilities of client service within Green Financial Group
  • The typical day working as a financial professional
  • The environment of graduating college during Covid and how different it is compared to pre-pandemic years
  • How she finds balance between work and everyday life
  • And more!

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Connect with Melanie Knight:

About Our Guest:

Melanie Knight is one of those people who just like to get things done. As the Director of Operations and Client Services at Green Financial Group, she does just that while supporting clients and their families with important administrative and clerical tasks, directing the team’s internal operations, and serving as a friendly liaison for clients. She finds an immense amount of satisfaction in helping a client with any issue, small or large, from opening new accounts to facilitating money transfers to helping generate annual reports.

 


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Critical Financial Discussions To Have With Your Aging Parents & Kids (Ep.44)



Having conversations about family wills can be tough. How do you start that conversation from one family to another?

In this episode, Jeff and Lauren share some advice surrounding the later stages of life and what they entail in terms of finances. They also highlight how discussing these things, despite how morbid they may sound, is so important and will benefit everyone in the long run.

Jeff and Lauren discuss:

  • The important discussions about wills that should happen between parents and children in the parents’ later stages of life
  • The importance of uploading, saving, and giving access to financial wills to other family members
  • How medical directors can serve your best interest in the future
  • How they extend their relationships with clients and allow themselves to be a resource to many families
  • And more!

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Money Conversations Every Couple Should Be Having (Ep.43)



Spouses can oftentimes be surprised by the changing dynamic of their marriage in retirement.

In this episode, Jeff Green talks with Dr. John Vincent a psychologist and a marriage and family therapist to discuss what marriage can look like when one or more spouses have retired. They also highlight the importance of communication between each partner when outlining financial goals before and during retirement.

Dr. John Vincent discusses:

  • What issues can generate conflicts between a couple 
  • How the transition from working full-time to retiring can affect a marriage
  • The conflicts that can arise once both spouses have retired outside of financial affairs
  • What possibilities open up once both spouses have entered the retirement stage
  • And more!

 

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42. Healthy Financial Habits To Start This Year



What does it take to make the new year different? How do you hold yourself accountable for the changes you want to make?

In this episode, Jeff Green and Lauren Smith reflect on their past year at Green Financial, and they share their goals for the upcoming year. They also talk about the process of planning, not only for retirement but other financially-demanding times throughout the year. 

Jeff and Lauren discuss:

  • Healthy financial habits for all income scenarios
  • How to continue your good habits throughout the whole year
  • Planning for more than just retirement
  • Why you shouldn’t wait until you’re retired to tackle your bucket list
  • And more!

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41. The Financial Concerns of the Pandemic



There is no doubt that the pandemic made an impact on everyone’s lives in some way, shape, or form. This becomes increasingly clear when you look at the state of the market, inflation rates and national spending practices. 

In this episode, Jeff Green and Lauren Smith evaluate the concerns that the people of America have been having regarding government spending throughout the pandemic, the effects of inflation, and how the stock market has been more unpredictable than ever.

Jeff and Lauren discuss: 

  • The trends of the stock market throughout the various stages of the pandemic
  • Whether or not the market is under or overvalued at this current moment in time
  • The effects of inflation on the everyday investor
  • And more!

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