It's all about "Friction, Full Gamut and Buy Now." Tune in and you'll know too. Navigating the world of mortgages and real estate can be a challenge, but in this episode, we're here to help! I'm joined by the fantastic Matthew Merrick from AnnieMac Home Mortgage and managing partner David Georgiev from Monarch Wealth Management, LLC for a fun and insightful conversation.We cover everything you need to know, from the current state of mortgage rates and the loan process to understanding different types of loans and real estate trends. Whether you're a first-time homebuyer, a cash-out refinancer, or an investor looking at residential and commercial properties, Matthew shares valuable insights and advice. Tune in for a great chat that will get you up to speed on the housing market and mortgage landscape.

Matthew Merrick's contact info:

Book a meeting: https://outlook.office365.com/owa/calendar/bk_mmerrick@annie-mac.com/bookings/

Website: https://annie-mac.com/lo/mattmerrick/

Email: mmerrick@annie-mac.com

Office Phone: (585) 505-8499

Mobile Phone: (585) 509-6849

Licensed Address: 1200 Jefferson Road Suite 205 Rochester, NY 14623

This week on Pennywise Financial, we're heading back to school and taking a serious look at the market's report card! 🍎 I'm joined by my partner in financial crime from Monarch Wealth Management, LLC to give you our post-mid-year check-up.We'll break down the factors that could send the market to the principal's office and those that show we're on a path to a stellar grade. From the top-performing sectors that are leading the class to the political influences that are making things... complicated, we've got you covered. Tune in for a fun, lively conversation that will help you ace the second half of the year and get your portfolio ready for what's next! 🎓📈

Navigating End-of-Life: Compassionate Guidance with Jean Oswald |In this incredibly important episode of the Pennywise Financial Podcast, host Constantine J. Kitrinos sits down with Jean Oswald, the owner of Compassionate Consulting in Rochester, NY. End-of-life planning and navigating difficult healthcare decisions can feel like an overwhelming whirlwind for families. That's where Jean steps in. With years of experience as a Registered Nurse and an extensive background in guiding families through these challenging times, Jean offers invaluable insights and a truly compassionate perspective. Join us as Jean shares her wealth of knowledge, providing practical resources and helping us understand how to comprehend complex medical terminology in the context of our specific situations. This episode is a must-listen for anyone facing end-of-life decisions, whether for themselves or a loved one. Jean's empathetic approach and deep understanding make this a truly illuminating and supportive conversation. Key Takeaways: Understanding the complexities of end-of-life planning.Insights from an experienced RN on navigating difficult healthcare decisions.Resources and strategies for families dealing with hospice and other end-of-life care.Tips for comprehending medical terminology and its impact on your unique situation. About Our Guest: Jean Oswald is the owner of Compassionate Consulting in Rochester, NY, dedicated to helping families with end-of-life planning and making informed, difficult decisions with empathy and clarity.

Connect with Jean through the various options belowWebsite: https://compassionateconsulting.com/Text: 585-454-9679Email: compassionateconsulting@gmail.com Newsletter Signup: https://bit.ly/3VQeMemBook: https://a.co/d/3J5UwSrTo set up a free "tell me what's going on" Zoom call: https://bit.ly/3qYCwOyTo follow on Social Media: https://www.facebook.com/CompassionateConsulting/ and https://www.instagram.com/compassionateconsulting/

/#EndofLifePlanning #HospiceCare #FamilySupport #MedicalDecisions #CompassionateConsulting #RegisteredNurse #FinancialPodcast #ConstantineJKitrinos #JeanOswald #HealthcarePlanning #RochesterNY #Podcast #FinancialLiteracy

Are the new tariffs shaking up your investment strategy? Wondering how the current administration's policies will affect your portfolio? On this episode of Pennywise Financial, broadcasting from Brighton, we address these critical questions head-on. We analyze the radical changes in tariff policy and provide a clear framework for understanding their impact. We'll also take a look back at moments in time that felt like the absolute peak of uncertainty, offering valuable perspective for today's market. Tune in to gain clarity and control over your financial future.#tariffs #investing #personalfinance #economy #marketnews #biden #pennywisefinancial #brightonny #financialplanning #investmentstrategy Subscribe for more financial insights! Reach out with questions or to schedule a meeting 👇https://www.monarchwealthmanagement.com/constantine

In an abridged podcast episode, I cut through the financial jargon and deliver a concise breakdown of what's happening in the stock market right now.Recorded live from Brighton, NY, on this beautiful Thursday, April 3rd, 2025, this isn't your typical doom-and-gloom news report. Instead, I'm focusing on providing you with the clear, actionable insights you need to navigate the current landscape with confidence.I briefly touch on the following:The Key Market Movers: What were the significant economic indicators, earnings reports, or global events that shaped the market today? I'll give you the highlights without overwhelming you with unnecessary details.Understanding the Volatility: Let's face it, the market can feel like a rollercoaster. We'll discuss the factors contributing to any recent ups and downs and put them into perspective.Your Portfolio Strategy: More importantly, we'll talk about you. How might these market shifts impact your long-term financial goals? I'll offer my expert perspective on staying the course and making informed decisions.

The Golden Rule: Ignore the Noise! In today's hyper-connected world, it's easy to get caught up in sensational headlines and fearmongering. This episode is your essential reminder to tune out the short-term distractions and focus on your personalized financial plan.Whether you're a seasoned investor or just starting your wealth-building journey, this quick update is designed to empower you with knowledge and help you maintain a calm and rational approach to your finances.Don't let the daily headlines derail your long-term success!Tune in now to get your dose of financial clarity and stay on track to achieving your goals.#StockMarketUpdate #FinancialAdvice #WealthManagement #Investing #Podcast #FinancePodcast #IgnoreTheNoise #LongTermInvesting #FinancialPlanning #WealthAdvisor #FinancialConsultant #BrightonNY #MarketAnalysis #MoneyTips #InvestmentStrategyThe following music was used for this media project:Music: Back Roads In The Afternoon by Justin Allan ArnoldFreedownload: ⁠https://filmmusic.io/song/11209-back-...License (CC BY 4.0): ⁠https://filmmusic.io/standard-license

A Conversation with Charles Forte Jr., MBA This week on Pennywise Financial, we're thrilled to welcome Charlie, a 2023 addition to our team as a financial advisor and investment manager who brings a wealth of experience and a truly inspiring story. He isn't just a seasoned individual with an extensive career in corporate finance, he brings an extensive background working with endowments and charitable organizations – he's also a testament to overcoming challenges. We'll be having a heartfelt conversation about his journey, including his visual impairment and the unwavering faith, work ethic, and dedication that have fueled his success. Dive deep with us as Charlie shares his insights on the ever-evolving financial landscape. We'll explore concepts like the efficient frontier, investment modeling, and strategic asset allocation, while also discussing how access to diverse asset classes has become more accessible than ever before. This episode is a must-listen for anyone seeking inspiration and practical financial knowledge! Tune in to learn more about Charlie and all he has to bring to the table. #stockmarket #investing #stocks #election #economy #disability #dedication The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license

Happy (slightly belated) Valentine's Day! In this special Pennywise episode, we dive headfirst into the red-hot stock market of 2024. Is it love at first sight, or a bubble waiting to burst? We explore the year-to-date gains fueled by a healthy economy, but reveal the hidden singles - sectors that haven't found their groove yet. Plus, we expose the overhyped Romeos - crowded trades headed for a reality check. Don't miss this episode for savvy investment tips that'll keep your portfolio healthy - no heartbreak guaranteed! Tune in and learn: How to navigate a booming market with caution. Which sectors are the true darlings of 2024 (so far). Why some areas are still on the dating app, waiting for a match.

How to identify overvalued trades before they get messy. This episode is your financial cupid - swipe right for smart investing! #stockmarket #investing #stocks #election #economy The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠

Rethinking Legacy - The Child-Free Journey with Dr. Jay Zigmont Host: Constantine J Kitrinos, CPFA | Managing Partner | Wealth Advisor Guest: Dr. Jay Zigmont, MBA, CFP | Found & CEO Guest Website: https://childfreewealth.com This episode of Pennywise Financial tackles a topic that's as personal as it gets: financial planning for a child-free life. Our guest is Dr. Jay Zigmont, the mastermind behind ChildfreeWealth.com, and together we delve into a world where the traditional goals of wealth preservation and inheritance shift dramatically. For some, the decision to be child-free is a deeply personal one, driven by various factors. Whether it's due to biological limitations, a desire for a different lifestyle, or a focus on alternative aspirations, Dr. Zigmont's approach to financial planning flips the script. His clients prioritize living life to the fullest, maximizing spending and charitable giving throughout their lifetime, rather than leaving a massive nest egg for unseen heirs. As your host, this episode pushed my own boundaries. My journey to parenthood wasn't easy, and grappling with a completely different perspective on legacy was a challenge. But the conversation is honest, thought-provoking, and ultimately, incredibly valuable. Join us as we explore: The unique financial needs and goals of the child-free population. How Dr. Zigmont's strategies differ from traditional financial planning. The emotional complexities surrounding legacy and wealth transfer. Redefining what it means to live a fulfilling and financially secure life. This episode might be controversial, but it's guaranteed to spark conversation and open your mind to new possibilities. Tune in and discover the power of planning for the life you choose to live, with or without children. #childfree #financialplanning #retirementincome #legacy #charitablegiving #consulting #retirement #longtermcare The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠