Unlocking Your Financial Future

Ep 95: The Benefits of Lending Through a Local Bank (Part 1)

The housing market has seen incredible growth over the past few years and the low interest rates have been a big driver of that. With so many people looking to buy a new home or a secondary property, mortgage lending comes up with our clients quite a bit. Today we’ve invited Gary Kubalski and Keith Abramo from Union Savings bank to tell us more about recent market and mortgage trends.   Here are some of the things you’ll learn on this episode: A little background on Union Savings Bank and their expansion into the Cleveland-Akron area. (1:12) Are we seeing a mortgage lending slowdown? (5:24) What are adjustable rate mortgages and are they becoming more popular? (8:22) The mortgage guidance they provide customers during the process. (12:51) Debt to income ratios to get qualified. (18:12) For more, visit us online: https://baschrock-fg.com/

Ep 94: Health & Wealth with Anthony Schrock from Pack Performance Center (Part 2)

Health and wealth are some of the biggest factors for happiness in our lives. On today’s episode we’re going to focus on the health side of retirement, with our guest Anthony Schrock from Pack Performance Center.   Here are some of the things you’ll learn on this episode: What drove him to becoming a business owner and why this specific area of focus? (1:26) The importance of having a supportive and understanding spouse to making it as a business owner. (8:00) Keeping that work-life balance when you don’t have the privilege of time off. (10:29) How to manage growth and not take on more clients/customers than you can take care of effectively.  (12:55) Listen to part 1: https://baschrock-fg.com/ep-93-health-wealth-with-anthony-schrock/ For more, visit us online: http://bashrock-fg.com

Ep 93: Health & Wealth with Anthony Schrock from Pack Performance Center - Part 1

Health and wealth are some of the biggest factors for happiness in our lives. On today’s episode, we’re going to focus on the health side of retirement, with our guest Anthony Schrock.   Join us today as we break down these topics on today’s show: Why don’t more people prioritize their health? (4:29) What inspires people to come back and work on their fitness? (7:07) What can someone do at home to get back into shape? (9:47) Age doesn’t need to be a limiting factor in our health (12:13)     Read More: https://www.baschrock-fg.com/podcast/

Ep 92: Cyber Security and Protecting Yourself Against Cyber Criminals – Part 2

We’re continuing our conversation on cyber security today with IT expert, Ben Zelei. Last week we explored what phishing scams look like and what cyber criminals want from you. Today, we’ll break down a few ways the average consumer can protect themselves from these scams.   What we discuss on this episode:  1:13 – This will never happen to me 4:35 – So, what can we do? 6:33 – Ransomware encrypting files 8:50 - Who do they attack? 10:20 – Tips for password protection 17:32 – Password software 19:00 – What else can they do for protection? 22:20 – Does ransomware attack individuals? 25:05 – Easy things you can do to protect yourself 25:42 – Should you remember a device?     Read More: https://www.baschrock-fg.com/podcast/

Ep 91: Cyber Security and Protecting Yourself Against Cyber Criminals – Part 1

Is your business data and personal data protected against cyber criminals? On today’s episode, we’ll explore protecting yourself against phishing scams with tech expert, Ben Zelei.     What we discuss on this episode:  0:50 – Ben’s background and entry into IT 2:55 – Was this always your passion? 3:28 – Was Cyber Security challenging? 4:02 – What is your role with your company? 5:48 – How does ransomware attack your data? 7:32 – Who do they go after? 11:06 – Have you seen people lose money? 11:43 – What’s a sign that you shouldn’t click it? 13:21 – Maintain awareness of phishing 14:26 – Are there other ways they get in? 15:12 – Phishing in text messages     Read More: https://www.baschrock-fg.com/podcast/

Ep 90: How Your Legacy Plan Fits into Your Overall Retirement Plan – Part 2

Once you have a conversation with your family about legacy planning, what are the next steps to ensure your plan is put into place? On today’s episode, we’ll explore everything from trusts and wills to beneficiary designations and TODs and how all of these fit into your overall retirement plan.     What we discuss on this episode:  0:46 – What are some other things people should consider? 2:13 – No two plans will look the same 5:51 – When is a trust advisable? 8:20 – What is a transfer on death? 10:25 – Probate is not the end of the world 12:21 – Communication and conversation are important!     Read More: https://www.baschrock-fg.com/podcast/

Ep 89: How Your Legacy Plan Fits into Your Overall Retirement Plan – Part 1

Most people are likely to pass at least some money on to their family, children, or charity through an inheritance. On today’s episode, we’ll explore the role legacy planning plays in your overall retirement plan and some of the most common routes people use when passing money on to their beneficiaries.   What we discuss on this episode:  1:02 – Taking care of yourself versus leaving a legacy 3:01 – Is it ever advisable to not leave an inheritance? 4:13 – What’s the best way to pass money on? 6:48 – Having these tough conversations 8:54 – Brokerage and other taxed accounts 11:15 – Some accounts have better tax outcomes 11:53 – Real estate and life insurance options     Read More: https://www.baschrock-fg.com/podcast/

Ep 88: 2022 Market Outlooks with Keith Lockwood – Part 2

We continue our conversation with our chief investment officer, Keith Lockwood today. We’ll break down some market predictions for the rest of 2022 and 2023. Should we expect a rebound or a recession?   What we discuss on this episode:  0:44 – Do we expect the markets to take off or more volatility? 6:01 – Good momentum can help the market 11:22 – Why should we not jump out of the market? 13:53 – The buy and hold strategy works     Read More: https://www.baschrock-fg.com/podcast/