Episode 5 - Life Insurance Showdown

Term Life vs. Permanent, which is right for you?

You know you need life insurance. But how much? Which kind? And for how long? Mike and Patrick share their opinions on how to address the financial risks associated with death and whether life insurance can also be an investment.

Opinions expressed are those of Patrick Stoa and Mike Macco and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. Investing involves risk and investors may incur a profit or a loss. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

Examples provided are hypothetical illustrations only, actual investor results will vary. Life insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.
Recorded in Tax Year 2017

Episode 4 - Charitable Giving & New Year's Resolutions

‘Tis the season for giving! And for getting your financial affairs in order.

With just a few days left to the year, what better time to finish your year-end gifting and set your sights on a prosperous 2018! Join hosts Patrick Stoa and Mike Macco as they discuss various ways to give and their easy tips on improving your personal financial situation.

Opinions expressed in the attached podcast are those of Patrick Stoa and Mike Macco and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. Investing involves risk and investors may incur a profit or a loss. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional. Donors are urged to consult their attorneys, accountants or tax advisors with respect to questions relating to the deductibility of various types of contributions to a Donor-Advised Fund for federal and state tax purposes. Life insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.
Recorded in Tax Year 2017

Episode 3 - Tulips, Beanie Babies and… Bitcoin?

What is Bitcoin? Is it a bubble? What should you do about it?

You have undoubtedly heard about the hot “cryptocurrency”, Bitcoin. But what is it? And what will become of it? Financial advisors, Mike Macco and Patrick Stoa discuss just that, as well as how criminals and governments feel about it and how it compares to our traditional monetary system.

 

Prior to making an investment decision, please consult with your financial advisor about your individual situation. Bitcoin and other cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, ad a potential total loss of their investment. The prominent underlying risk of using bitcoin as a medium of exchange is that it is not authorized or regulated by any central bank. Bitcoin issuers are not registered with the SEC, and the bitcoin marketplace is currently unregulated. Securities that have been classified as Bitcoin-related cannot be purchased or deposited in Raymond James client accounts.

Episode 1 - Beer & The Stock Market

A sobering look at the state of global markets

Mike & Patrick enjoy a Spotted Cow a delve into where markets are, where we think they're going and what you should do about it.

View/Download JP Morgan's Guide to the Markets for Q4 2017.

The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of the speakers and not necessarily those of Raymond James. Inclusion of these indexes is for illustrative purposes only. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. Past performance does not guarantee future results. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. Diversification and asset allocation do not ensure a profit or protect against a loss.