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Financial Discretion Advised

Financial Discretion Advised

By Penobscot Financial Advisors
We will have some light conversation on some heavy financial planning topics to help you take control of your financial situation. We truly believe that your money should fuel your present, and build your future, and we want to make sure that it does.

DISCLAIMER: The foregoing content reflects the opinions of Penobscot Financial Advisors and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security.
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Recession right around the corner? Current Market Conditions, Inflation, War and the Fed!
In this episode of Financial Discretion Advised, Tyler brings in PFA's Portfolio Manager, Sam Chaplin, to talk about the current market conditions and if a recession is right around the corner. The two break down the recent action from the fed, inflation and the War in Eastern Europe.
19:15
May 13, 2022
Interest hikes like the 80's?? Power of Tax Deferral and the $400k mistake you may be making
In this episode of Financial Discretion Advised, Tyler Hafford CFP® talks about the rate hikes that are aimed to control inflation and how that compares to strategies used in the 80's. He also breaks down the impact of those hikes on our everyday lives. In the Financial Planning segment, Tyler explains the power of tax deferral as well as the extreme cost to delaying your investing strategy!
18:44
April 10, 2022
Russian War and the Market
"In this "out of schedule" podcast, Tyler Hafford, CFP® breaks down the state of the US stock market and puts the recent drawdown in historical perspective when it comes to Military Action around the world." 
10:36
February 28, 2022
Frugal Parenting
Tune in to this Week’s #FinancialDiscretionAdvised episode where Hannah shares some everyday parenting hacks to save money and Tyler reviews the financial tools available to parents.
44:25
February 17, 2022
Market Corrections, Fixing Social Security, HSA
In this episode of Financial Discretion Advised Tyler brings Chief Investment Office Jim Bradley back on to discuss the current market slide, the social security system and how we might be able to fix it. Additionally, the two also breakdown how using a health savings account can make a big difference in your financial planning.  Try to fix social security yourself, and make sure to leave your solutions in the comments. We would love to see how you were able to save the system! https://www.crfb.org/socialsecurityreformer/ To check out more content, make sure to visit https://penobscotfa.com/
24:10
February 02, 2022
Alternative Assets, US Mega Caps, Financial moves for 2022 - Financial Discretion Advised
In this Episode of Financial Discretion Advised, Tyler brings on Sam Chaplin to discuss Alternative Assets, US Mega Caps, and some financial planning moves to set 2022 for success! Listen in as Sam brings his expertise on all these topics and more! 
22:59
January 21, 2022
Omicron, Santa Claus Rally, RMD's - Financial Discretion Advised
In this Episode, Tyler had Jim Bradley back on to discuss some of the recent headlines and an important end of year financial planning topic. They explore how the Omicron Variant has impacted the market, and how coronavirus as whole has impacted the market. Jim gives some insight on some of the fads in the market, specifically the Santa Claus Rally. The Financial Planning topic on this episode is Required Minimum Distributions. 
19:49
December 08, 2021
Inflation, Crypto, Backdoor Roth
In this episode Tyler tackles some of the reasons for the recent rise in inflation, and how it can impact your portfolio. He also dives into the world of Crypto and how it is changing the investing landscape. The financial planning strategy on this week's episode is the Backdoor Roth. 
27:02
November 24, 2021
Estate Planning
With Halloween coming up and the talk of ghosts, ghouls, skeletons, and death, Abrin and Tyler sit down to talk about estate planning strategies. Sit back relax and enjoy the conversation which also touches on favorite Halloween candies and the headlines about the debt ceiling, a trillion dollar coin, and Facebook being back in the news.
33:14
October 15, 2021
Questions of the Month
Abrin and Tyler discuss a variety of topics while answering common questions the advisors of our firm get all the time. Listen along and maybe grab an answer to a question that has been on your mind then submit your own questions. 
30:47
September 10, 2021
In the Headlines
Abrin and Tyler have sifted through the news and picked out a few topics directly and indirectly tied to the markets and the economy for discussion. We've got inflation, we've got used cars, we've got a new jobs report, Robinhood IPOing, and Bezos making it to space all on the docket so tune in!
27:43
August 04, 2021
Fourth of July Special
As we commemorate the Fourth of July and the Declaration of Independence, Abrin and Tyler revisit why independence is important as an advisor and talk about financial independence in the context of the declaration. 
25:24
July 03, 2021
Money Tips & Tricks
Abrin and Tyler have some fun with 10 small things anyone can do to help better their financial situation.    1. Pay yourself first  2. Bucket your money  3. Automate savings  4. Avoid investment fads  5. Take free money   6. Avoid the daily latte  7. Create a budget  8. Earn cash back using credit (responsibly)  9. Shop around  10. Buy wholesale/meal prep   Plus one bonus tip snuck in there!
28:21
June 25, 2021
The UMaine Plan
With a little distance between them, Tyler in the Bangor office and Abrin in the Podcast room, the two discuss UMaine plan topics specific to a large subset of our firm's clients: University of Maine Employees. Strap in because this episode contains bad jokes and dad jokes - you have been warned. 
22:25
June 02, 2021
Investment Account Taxation
Tyler and Abrin tackle the tax implications of withdrawing money from different types of investment accounts and take a deeper look at capital gains for taxable accounts.
28:58
May 13, 2021
Inflation
Tyler is out and Sam is in for this episode on inflation. Come meet another member of the team as Abrin and Sam talk about a pressing concern in today's environment: inflation. 
35:18
April 30, 2021
Advisor Compensation w/ Special Guest Craig Joncas
Special Guest Craig Joncas joins Abrin and Tyler to talk how financial advisors get paid.
23:53
April 14, 2021
ESG Investing w/ Special Guest Jim Bradley
Jim Bradley enters the arena to discuss ESG investing with Abrin and Tyler. Join to learn more about how ESG investing has progressed over the years and how it can be incorporated into an investment strategy. 
19:38
April 08, 2021
Maine Real Estate
Abrin and Tyler talk about the current state of the Maine Real Estate market, mortgage rates, and more on today's episode of Financial Discretion Advised.
31:38
March 11, 2021
Investment Planning Strategies
Tyler and Abrin are back to banter as they discuss the basic principles, fads, management styles, and transitioning to withdrawing assets in retirement. 
31:05
February 22, 2021
Roth Conversions
Craig Joncas joins Abrin and Tyler to talk about Roth Conversions and Roth Conversion Strategies. 
24:49
January 29, 2021
New Year, New Financial Planning Resolutions
Hello, hello! We hope everyone had a Happy New Year on this holiday themed episode. We are ringing in the new year with new mics and some tips on how to achieve financially related New Year's resolutions. 
22:60
January 11, 2021
Things Your Crazy Uncle Was Wrong About at Thanksgiving
Abrin and Tyler discuss Thanksgiving dinner table financial planning questions and what planning tools they are thankful for this year.
29:05
December 03, 2020
ABCs of End of Year Tax Planning
Roth Conversions, Charitable Contributions, Tax Loss and Gain Harvesting... Oh my!
25:13
November 19, 2020
All Things Social Security
Special Guest Jim Bradley joins Abrin and Tyler to talk about how Social Security benefits are calculated, strategies for taking Social Security benefits, and how the system could be reformed in the future.  To view the video with slides that are referenced in this episode, click HERE.
40:16
November 06, 2020
The Financial Planning Process
Join Tyler and Abrin as they lay out the six key steps to the financial planning process and stay until the end for a new friendly competition among hosts.
34:18
October 22, 2020
Teamwork is the PFA Way
Big thanks to all the team members for joining Tyler and Abrin on Episode 2 of Financial Discretion Advised. We had great conversations about the benefits of working as team to support clients - some serious and some not so much. Come get introduced to everyone and their roles within the firm. Enjoy! 
36:07
October 08, 2020
What the F???
On this first episode of Financial Discretion Advised we will be talking about what it means to be a fiduciary in the financial advising world and under what circumstances an advisor must act as a fiduciary. Don't worry, audio quality and our performance will only get better from here.
17:16
September 24, 2020