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You’re in for a treat this week as Marion Gilman and Christian Karcher team up to provide you financial advice in a language you can understand during this week’s episode of Dollars & Sense.   I don’t know if you’ve noticed, but back-to-school supplies are filling the shelves and summer is almost over! For those of you who have children, it may be time to start thinking about private school or college tuition. It’s no secret that the cost of tuition continues to climb, making it as important as ever to begin planning for it now.    Tune in to this week’s episode of Dollars & Sense as Marion and Christian explain the importance of education planning and the value of 529 plans, all in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.   Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.   Tracking #: 603993   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Welcome back to another episode of Dollars & Sense with your hosts Marc and Marion. We’re recording in our newly transformed studio today and getting ready to launch the podcast you already know and love in video format!   As our clients face retirement, they often think about how they’re going to spend their money, how they can provide support for their children, and what they can do to truly enjoy their golden years. Pay close attention, we’re about to reveal a secret that will resonate with you deeply. The memories and experiences that you create with your children and grandchildren will leave an everlasting mark, far surpassing the significance of any material wealth you may leave behind. Allow that to sink in.   Join us on this week's captivating episode of Dollars & Sense, where Marc and Marion talk about the significance of investing your resources in making lasting memories with your loved ones, rather than focusing on building an inheritance for your children, all in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.   Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC.   Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you.   Tracking #: 538982   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Welcome back to another episode of Dollars & Sense with your hosts Marc and Marion.   There’s been a lot of speculation surrounding the 2 pm Fed Meeting today (1/31/24) and whether they’re going to lower interest rates. Our guess as well as most analysts out there, is that they will not be lowering interest rates – at least for now. However, word on the street suggests there could be up to four rate cuts this year. That’s important because essentially the 10-year Treasury Bond is priced off those rates. So, why is that important? If you weren’t aware, mortgages are priced off the 10-year bond. Have we got your attention yet?   Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about what the impact of a drop in interest rate means in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 535458   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Thanks for joining Marc and Marion for this week’s episode of Dollars & Sense. FASFA applications are being filled out and college acceptance letters are coming in. If you have a student graduating from high school this year who has plans of furthering their education, whether a trade school, college, or university, they are eligible to apply for our Freedman Financial Annual Scholarship. We offer $2,000 to the applicant who best answers a 500-word essay, “What Does Financial Responsibility Mean to You?” and who excels with their academic and extracurricular activities. You can put the money towards books, a new laptop, or even tuition – every little bit helps! Learn more about this on our website or by signing up for our newsletter.   For decades, we’ve been conditioned into thinking that you need to attend college and obtain a degree after high school. Now, with the rising cost of college, people are questing whether it’s worth sending their children to a secondary school.      Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about the value of college and if people’s view on the importance of it has changed in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.   Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 532448   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

We’re three weeks into January and there’s a lot to unpack! The frigid winter temps are here, we’re pumped that the Boston Celtics are in first place, and we’re in the beginnings of the political primaries. Everyone has a right and obligation to vote, please make sure you exercise your freedom to do so and encourage your eligible children to vote as well.   In this week’s episode of Dollars & Sense, Marc and Marion raise the question as to why the younger generations are having more difficulty living within their means. Has the gradual shift from cash to debit/credit cards played a part in the decline of financial literacy?   Tune in to this week’s episode of Dollars & Sense as Marc and Marion talk about the importance of financial literacy in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.   Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 528912   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Marion and Christian are together again to host this week’s episode of Dollars & Sense. Everyone’s getting settled into the new year and is excited for new beginnings, a “fresh start”, healthier eating, and getting into shape. The start of the new year also means it’s Girl Scout Cookie season. The temptation is real - don’t fight it, treat yourself to these delicious cookies and support your local Girl Scouts!   This week we picked out an important topic for our listeners, understanding beneficiary IRA rules. We’re going to break down the ever-changing rules surrounding beneficiary IRA’s and provide you with financial advice in a language you can understand.   Tune in to this week’s episode of Dollars & Sense as Marion and Christian discuss what happens when you inherit a retirement account from someone in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations.   Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 526637   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Happy New Year and thanks for tuning into our first episode of Dollars & Sense in 2024!   At Freedman Financial, our goal has always been to provide financial advice in a language you can understand. We’re starting off the year by crunching some numbers and having a friendly debate about median vs. mean…   Before we begin, we’re going to have a quick math lesson: to find out your net-worth, add up your assets (bank accounts, investment accounts, retirement accounts, house, car, and anything else of value that can be liquidated) and then subtract any liabilities (debt, loans against your car or house, credit card debt, student loan debt, etc.). Now back to our point – if you have 10 people and 9 of them make $90,000/annually and 1 person makes $10,000/annually, what is the mean? You’d add up each of their incomes and then divide by the number of people, which in this case would be $82,000/annually. The median, however, would be calculated by lining up those same 10 people, pushing half to one side, half to the other, and what remains in the middle in the median. If the number of data points is even, the median number is the average of the two middle data points in the list. In this case, that would be $90,000.  Are you still following? Now let’s apply this same math to the overall median household net-worth which is about $192,000. That’s up from three years ago when this same study was performed and the median net-worth was $121,000. That is an enormous increase of 50%!   Tune in to this week’s episode of Dollars & Sense as Marc and Marion debate median vs. mean and discuss why there’s been such a large increase in the overall median household net-worth in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 523513   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Thanks for joining us for our last episode of Dollars & Sense in 2023! We hope you all enjoyed your Christmas holiday like we did! With the market being up, we’ll end 2023 on a very positive note, which is great considering what a volatile year it’s been. Morningstar, which is an independent rating service with a heavy focus on mutual funds, put out a story on the type of advice financial advisors are giving to clients as they’re approaching retirement. Once the paychecks stop rolling in, your spending habits generally change to adjust to your new monthly income.     Tune in to this week’s episode of Dollars & Sense as Marc and Marion answer the three questions posed in the recent Morningstar piece about how they help clients as they near retirement in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 521186   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Thanks for joining Marc and Marion for the second to last episode of Dollars & Sense in 2023! Christmas shopping is done and we’re ready to enjoy the quality time with our families. Christmas, family, chocolates, and gifts all put smiles on our faces, but that’s not the only thing making us smile right now… With 2023 coming to an end, we’re ending on a very positive note. The last 7 or so weeks we’ve seen positive performance. Who would have thought that the NASDAQ would end up almost 40% at this point. Since the end of October, the S&P 500 is up about 16% - in less than two months! An interesting statistic shared by Mass Financial Services in Boston was the seven tech stocks (Apple, Microsoft, Google, Amazon, Nvidia, Meta, and Tesla), also referred to as the “Magnificent Seven” hit record highs this past month. What’s interesting is that those stocks are on average up 105% as of December 18, 2023. But, in 2022, the average of these stocks was DOWN 46%. See how quickly things change in a year? This is a prime example as to why we don’t chase the wild volatility and why a diversified portfolio is important. Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the stock market and ending the year on a bright note in a language you can understand.   A full complement of Dollars & Sense broadcasts found here. DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 519513   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Marc and Marion are together again for this week’s episode of Dollars & Sense and to wrap up the last few weeks of 2023. Kind of crazy, isn’t it? Every year in December we find ourselves saying the same thing, “the year has just blown by.” Some things never change! You know what else is for certain? We get older every year. It’s one of those things people don’t want to plan for but it’s a reality of life. Each week when we do these podcasts, we try to put together a topic that would be of interest to our listeners. A few times this year we’ve referenced the book The Psychology of Money written by award-winning author Morgan Housel. Morgan also just published a new book, titled, Same as Ever: A Guide to What Never Changes. When you start thinking about your future, it’s filled with hopes, wants, dreams, and expectations. Well, experts tell us, whether it’s those life things or whether it’s projections about the stock market or economics, generally only 25% of those projections come to fruition. That means your surprised 75% of the time. I don’t know about you, but we don’t like surprises!   Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the power of control in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 516865   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

You’re in for a treat as Marion and Christian are hosting this week’s episode of Dollars & Sense. As our loyal listeners know, Christian is our Director of Financial Planning so we want to take full advantage of having him as a guest speaker. So, what’s going on with people as they approach retirement and enter retirement? It’s pretty cliché to say, but it’s the biggest change that will happen in your life. BUT it really is the biggest change - particularly from a money perspective.  As you creep closer to retirement age, you get excited to finally have the chance to pull the trigger, retire, and live a carefree retirement the way you envisioned it. But what happens when the paychecks stop all of a sudden?   Tune in to this week’s episode of Dollars & Sense as Marion and Christian discuss making the mental switch when you’re retiring in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 513738   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Welcome back to another episode of Dollars & Sense with your hosts Marc and Christian. We’re heading into the first week of December with Christmas, Hanukkah, and all festive holidays upon us this month. With holiday shopping in full swing, we can tell you that Marc knows all the Amazon, FedEx, USPS, and UPS drivers by first name now! We’re all feeling holly jolly and wanted to share our advice on whether you should pay for holiday gifts with cash or credit cards. The days of shopping with cash seem to be a thing of the past. We’ve found it to be one of the more dangerous ways to shop now. Why is that? Well, one of the biggest reasons is you can lose your cash and the likelihood of recovering it before someone else finds it is slim to none… Tune in to this week’s episode of Dollars & Sense as Marc and Christian discuss smart ways to pay for holiday gifts in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 510886   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Thanks for tuning it to our special Thanksgiving episode of Dollars & Sense with Marc and Marion. Every week we have a great time hosting the show to provide our listeners with financial advice in a language you can understand. Today’s topic is going to be a bit different – we’re not going to be talking about dollars, stocks, bonds and all other types of monetary items. Today, we’re talking about things! Things? Yes, things! We’ve all collected stuff over the years and we bet there’s some clutter in your home because of it. As you get older, you may find the need to downsize – so what do you do with all your stuff? More importantly, do YOU do anything with your stuff or wait until your kids need to figure out what to do with it one day? That brings us to a thought-provoking question. Do your children view your sentimental heirlooms the same way you do? Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss what has happened to the notion of sentimental value and some topics you can talk about at Thanksgiving dinner for some good laughs in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 507820   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Welcome back to this week’s episode of Dollars & Sense. If you’ve been following what’s been going on in the world, and certainly from an economic standpoint, you may be excited over what the markets done over the past week. Marc was on vacation the first week of November when the markets started doing really well, so maybe we’ll keep him out of the office for good luck! ;) We just got back from the Baron’s Conference in NYC where we were among 5,000 other financial professionals, clients, and shareholders who learned valuable information from fund managers and CEOs. Ron Baron shared his 30 year perspective on inflation and how different items have been affected by it. There were a few huge takeaways from the conference, but we have to say, the entertainment was probably the best par. Our main stage surprise entertainment was Justin Timberlake! If you’re ready to get serious about your financial future, please don’t hesitate to contact our office to see how we can assist you. Our team at Freedman Financial focuses on financial planning and what you can control. We build strategies for the long-term, not just to last through the next few years.   Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss the impact of inflation and why investing makes sense in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 506258   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Marion and Marc are together again to host this week’s episode of Dollars & Sense. It’s the same old song and dance when it comes to market volatility. We find it interesting that the word volatile refers to the markets going down AND up, but you usually only hear the word if the markets are down. If you look at the performance of the major Indexes of the year, they’re actually up. At Freedman Financial, when we buy stocks for our clients, we buy them for the long-run. It’s important to not focus on the year-to-year volatility or market movement. We look at a 5-10 year horizon, and over that time period, it’s typical that stocks outperform bonds and cash. When we build portfolios for our clients, we use exchange traded funds (low cost professionally managed funds), actively managed mutual funds, index funds, and actively managed bond funds as well. We don’t pick individual securities. So what do we mean by that? When a client comes to us and says, “I want to buy Tesla, Apple, or Disney”, we tell them they already own it because they are a part of a large growth stock index or a large growth mutual fund that’s actively managed. If this topic has sparked any questions, please don’t hesitate to contact our office to see how we can assist you. Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss managing portfolios in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 503331   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Marc is on a much-deserved vacation this week, so Marion and Christian have stepped in to host! This week, they are delving into life insurance. Life insurance can be an important part of your financial plan for both you and your loved ones. But, do you know how much life insurance you need, what policy makes sense for you…or do you even need life insurance? Listen in as Marion and Christian discuss life insurance in a ‘Language You Can Understand®.’   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 499826   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

While Marion Gilman, CFP® is off enjoying the beautiful Mediterranean weather, we’re excited to have our Director of Financial Planning, Christian Karcher, CFP® join us for this week’s episode of Dollars & Sense. We usually talk about financial advice in a language you can understand, but we’re going to talk about an interesting topic that was brought up over the weekend while Marc was hanging out with his family and friends. Have you ever heard of girl math?   If you’re part of the younger generation, you may have heard about girl math online. It’s a series of rules that people have developed to justify some money spending and decisions. Do you buy coffee out a lot? If you do, here’s an example for you: If you’ve already preloaded your Starbucks app/card with $10, grab a coffee at the drive-thru and leave, that’s free coffee. Well, in your mind it’s free since your card was already loaded with the $10 and you didn’t need to deduct any money from your bank account. Interesting outlook, right? Tune in to this week’s episode of Dollars & Sense as Marc and Christian discuss how different generations view money in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 496343   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

We’re back again with another episode of Dollars & Sense, where we try to provide some financial advice in a language you can understand. We’re in the middle of October, Christmas trees are out in the stores (WHAT?!), and Halloween decorations are up. Today we’re going to have a little bit of fun and talk about some scenarios and situations that we’ve run into here in our office, some conversations we’ve heard on the street, and stuff we’ve seen on TV and in social media. A great orator has a way of getting in front of a crowd and influencing people to make a decision despite the fact that it makes no sense whatsoever, but because they’re so compelling in the way they present it, they easily build a large following. Kim Kardashian is a prime example here! What influences people to make decisions just really blows us away. Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss how the world around us can persuade us to make decisions in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 493649   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

Fall is setting in, there’s a chill in the air, and the leaves are changing colors here in Massachusetts. Unfortunately, our focus has been on the horrific terrorist attacks going on in Israel. As Israel has stated, this is their September 11th. If you think about the size of the population of Israel compared to the U.S.A., it’s almost six to ten times worse than the number of deaths and destruction that they’ve had in a single day. We have absolute full confidence in the power of Israel and the support of the American Government along with other government entities to hopefully wipe out terrorism in the Middle East. Our hearts are with every single person affected by this act of terrorism. One of the questions people continue to ask us about with the war in Israel and Gaza, the challenges with the economy, and what’s going on with Ukraine, is how does that impact the state of the economy? One of the things we review frequently with our clients is what has happened over the past year. We also look at the bigger picture by looking back three years, five years, ten years, etc., to show the value of long-term investing. We’re happy to report that over the past year we have seen positive returns after a terrible 2022. Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss how the war in Israel and current events could affect the economy and stock market in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 490837   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean

The Topsfield Fair is in full swing and all of us at the Bnai Brith Booth hosted the 5th Annual Hot Dog Eating Contest! Contestants had 7 minutes to consume ¼ lb. Hebrew National All-Beef Hot Dogs (including the bun). The winner ate 11 hot dogs, which is pretty wild, and we all celebrated another successful year! The leaves are changing, but that’s not the only thing changing – so are the markets. September was a tough month and for those still waiting to receive their statements, our advice is not to even look at it. This is why we can’t stress enough the importance of staying the course. If there’s money you’ll need to use in a year or two, the stock market is probably not the place for your money. If you’re looking for a low-risk option, check out money market funds. Tune in to this week’s episode of Dollars & Sense as Marc and Marion discuss what’s going on with the stock market in a language you can understand.   A full complement of Dollars & Sense broadcasts found here.   DISCLOSURES: During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may discuss specific financial planning and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations. Securities and advisory services are offered through LPL Financial, a Member of FINRA and SIPC. Always consult a Certified Financial Planner professional, qualified attorney, or tax advisor prior to investing to determine what is appropriate for you. Tracking #: 487730   Dollars & Sense podcast now streaming on: Spotify iHeartRadio Apple Podcasts, previously known as iTunes Google Podcasts TuneIn + Alexa Pandora PodBean