Shows
Your Time, Your Money ™Interviewing an NFL STAR - THE DREW SMITH INTERVIEWGOOD MORNING AND GREAT FOOTBALL!This week on YCYM, our resident football legend and advisor Matthew Tarullo and his business partner Mark Esslie had the chance to sit with Drew Smith, formerly of the Buffalo Bills, and native to the Albany, NY area.Drew sat with the guys to discuss everything from growing up in the capital region, playing football for UAlbany and what it was like getting "the call" to go to the NFL. He also touched on what life was like transitioning after a thumb injury back everyday life, and how...
2024-06-2030 minYour Time, Your Money ™We Present: "IRON TREE FINANCIAL"GOOD MORNING AND GREAT COFFEE! OUR OFFICIAL LAUNCH EPISODE IS HERE! We are excited to announce that our practice continues to flourish. We have seen amazing growth over the last few years and have decided to launch a brand that signifies this growth. We are proud to present to you “Iron Tree Financial” a brand that signifies that “ Our Strength is in our Knowledge”. This move was not made lightly but was in the best interest of our team and clients, a...
2024-06-1315 minYour Time, Your Money ™STOP Wasting Money on THESE ThingsGOOD MORNING AND GREAT COFFEE!Have you ever walked into a grocery store with a budget in mind and walked out a couple hundred dollars over what you wanted to spend? How about buying a subscription to a tv app that you SWORE you'd cancel after the free trial, and yet there it sits 2 years later...These and other things are discussed in this burst session with Mark Esslie regarding ways that many people waste their money! It's amazing how the little things here and there add up, and the amount that at t...
2024-05-0920 minYour Time, Your Money ™Interviewing a COMBAT PRO - THE PHIL BAZICKI INTERVIEWGOOD MORNING AND GREAT HEALTH!This episode of YCYM presents special guest Phil Bazicki, manager, wrestling and Jiu Jitsu Coach at Clever Combat in Latham, NY. This is a one-of-a-kind episode, diving deep into the world of mixed martial arts, wrestling and strength training.Matt and Mark discuss in depth the benefits of training within the world of combat and mixed martial arts as compared to regular workouts. There is a distinct difference between weight lifting, cardio and this type of training. Phil reveals the vast age range that he and his other...
2024-05-0230 minYour Time, Your Money ™What is the "INVESTMENT SEESAW"?GOOD MORNING AND GREAT COFFEE!BURST SESSION!Investment seesaw speaks for itself, but needs a little bit more of an explanation at the same time. Take a listen to what Mark Esslie has to say, and see below should you want to discuss further!If you want to reach out to one of our advisors for questions, suggestions or other, please call us at 1-844-444-YTYM, or email us at irontreefinancial.com.REMEMBER: LIVE WELL AND PLAN EVEN BETTERIron Tree Financial 1-8444-444-YTYMwww.irontreefinancial...
2024-04-1106 minYour Time, Your Money ™QUALIFIED CHARITABLE DISTRIBUTIONS from your IRAGOOD MORNING AND GREAT COFFEE!BURST SESSION ALERT! Let's hope you've had an extra cup of coffee, but if not grab one! Your IRA which was the talk of a recent YTYM is a big part of planning for retirement in most plans. But did you know that you can use qualified charitable distributions from your IRA?Mark Esslie takes a short but informative deep dive into this topic, and explains the advantages of using a QCD from your IRA. He answers many of the questions you may have, and hopefully this will...
2024-03-1406 minYour Time, Your Money ™Interviewing an MLB PRO - THE BRIAN O'KEEFE INTERVIEWGOOD MORNING AND GREAT BASEBALL!This week on YCYM, our resident football legend and advisor Matthew Tarullo and his business partner Mark Esslie had the chance to sit with a Major League Baseball player. Brian O'Keefe, a local South Colonie graduate, and an Albany native sat with the guys to discuss his career, starting from tee ball all the way to the majors! O'Keefe doesn't hold back, discussing the difficulties of the day-to-day life of a minor league player working his way up, the financial struggles and discipline it requires, and how being...
2024-03-0731 minYour Time, Your Money ™STRESS and MONEY (w/ DR. SUZIE MOOKHERJEE, CARDIOLOGIST)GOOD MORNING AND GREAT COFFEE!So, for the most part, we all have hearts (joke intended). That being said, we had the honor of having one of our guest speakers from last year's Women's Appreciation Event come in to speak: Dr. Suzie Mookherjee of the Albany Med Health System. Dr. Suzie is from a family of cardiologists, and she specializes in diagnostic non-invasive cardiology such as nuclear testing, stress testing, and echocardiography, including TEE. She is extremely passionate about heart health and education.This episode sees Matt and Mark go over a range...
2024-02-0837 minYour Time, Your Money ™What is the "S&P 500"?GOOD MORNING AND GREAT COFFEE!When it comes to investing, planning for the future and just overall news, we often here about the S&P 500. As advisors, our team receives many questions about how is it important to what they are investing in, how does it effect the overall outcome and performance of their investments, etc.Mark and Matt take the time to discuss this sometimes confusing but important to know information. To start with, the S&P 500 stands for "Standard and Poor" 500, which is a stock market index that tracks the prices...
2024-02-0114 minYour Time, Your Money ™So You're Claiming SOCIAL SECURITY at 70...GOOD MORNING AND GREAT COFFEE!Here we are, the last of our 3 part series on when to take Social Security! Hitting 70 years old is a milestone, and one that can coincide with some important financial and future decisions for you, your spouse and your family!In this final episode, Mark and Matt discuss the advantages of waiting to take your Social Security at age 70, how they can impact your future financial situation, and why it's important to plan accordingly ahead of time with an advisor to be able to have the option to...
2024-01-2514 minYour Time, Your Money ™So You're Claiming SOCIAL SECURITY at FULL RETIREMENT AGE...GOOD MORNING AND GREAT COFFEE!Welcome! We are continuing down the informative road of Social Security, and when is the best time to take it.This week's episode our advisors Mark and Adam go into the reasons why taking Social Security and Full Retirement Age is the best option for some people compared to last week's discussion of taking it at age 62. There are many intricacies that go into these thoughts and reasons, so take a listen to this episode, and if you missed last weeks, go back and check that one out...
2024-01-1812 minYour Time, Your Money ™So You're Claiming SOCIAL SECURITY at 62...GOOD MORNING AND GREAT COFFEE!Here's a quick "kick of reality" for you with your morning coffee....how old are you? is AARP starting to send you things in the mail? Getting close to retirement, or even better getting close to be able to collect Social Security?If your answer to the last question is "YES", then you should listen to this first episode of a series being released on when to collect Social Security and why it makes sense! Everyone is different, so the "rules" are also different for each individual and family as...
2024-01-1116 minYour Time, Your Money ™Meeting a SOCCER COACH AND TEAM OWNER - THE MITCHELL KAZANJIAN + HANNAH ESSLIE INTERVIEWGOOD MORNING AND GREAT SOCCER!This week on YCYM, our guests were nothing short of amazing! Hannah Esslie and Mitchell Kazanjian are owner and coach(respectively) of The Hudson Valley Crusaders Women's Soccer Team. Matt and Mark talk with the young entrepreneur and newly acquired head coach about the changes to the program, what it's like to be an owner/player at the young age of 19, and what led the team this season to have a 5-1 winning record. They also have been awarded a United Women's Soccer League One and League Two...
2023-12-2833 minYour Time, Your Money ™YCYM PRESENTS: Section 2 Niskayuna All Star GameGOOD MORNING AND GREAT FOORBALL!As a team, we like to look at ourselves as ones who help others, whether it be on the financial side or other. This fun podcast shows our other side!Matthew Tarullo and Mark Esslie went to the Section 2 Niskayuna All Star Game for the capital region, supporting how these elite athletes and their program allow them to grow both in character and as athletes. Take a listen, and enjoy a way that you might want to consider supporting our youth as well!If you want...
2023-12-0707 minYour Time, Your Money ™What is "GPO"?GOOD MORNING AND GREAT COFFEE!So, I bet this morning when you woke up and started your daily routine, you thought to yourself "self, what is GPO?" I know I did! Well, joking aside, it actually will be worth your while to find this out!Mark Esslie does a burst session on GPO, explaining the importance for any Federal employee why understanding this can help you with your planning. Should you have any questions after listening, please feel free to use the informaiton below to reach out and we will be happy to...
2023-11-3005 minYour Time, Your Money ™Meeting a NAVY SEAL - THE PHILLIP W KOONTZ INTERVIEWGOOD MORNING AND GREAT COFFEE!Once in a great while, you get the chance to meet someone who has the ability to literally uplift and change your life. Our team had the very distinct privilege of being able to interview Phillip W. Koontz, U.S. Navy SEAL Combat Veteran and Motivational Leadership Speaker. Mark and Matt spent their time letting Phil discuss his journey into, through and after being a SEAL. There are many components that make a person, and Phil talked about how going through the training changed him both...
2023-11-2337 minYour Time, Your Money ™What the WORLD Needs...GOOD MORNING AND GREAT COFFEE!Around this time of year, many people begin to take a look at their own current situations and realize how blessed they really are. You don't have to be rich to be living a great life and to be happy. However, there are many people during the holidays and the year in general that don't have it as good as you or I might.This episode is one that is very close to our team's hearts, and Mark and Matt discuss the true importance of charity and community...
2023-11-1613 minYour Time, Your Money ™You Should Know About "HYBRID LONG-TERM CARE INSURANCE"GOOD MORNING AND GREAT COFFEE!One of the most avoided topics in today's society is what happens if I or someone I love gets sick? We all think to some degree that " that will never happen to me". But the sad reality is that one or more in a family will have to have some type of care at some point during their lifetime. Mark does a burst session regarding this topic, and the reasons why you should know about hybrid long term care insurance. This along with other planning can make events...
2023-11-0907 minYour Time, Your Money ™Getting to Know "MUNICIPAL BONDS"GOOD MORNING AND GREAT COFFEE!Municiple bonds. Who doesn't love them, am I right?! Wait, you don't know what they are? Well, don't feel as though you're alone with this, many people don't know either.Mark takes the time during this burst session to explain what they are, how to utilize them and how these are an important piece of the planning pie. *If you want to reach out to The Esslie Group for questions, suggestions or other, please call us at 1-844-444-YTYM, or email us at
2023-11-0207 minYour Time, Your Money ™Let's Talk "HEALTH SAVINGS ACCOUNTS"GOOD MORNING AND GREAT COFFEE!What is a health savings account? Is it something that is relevant to me, my family and/or our planning? What are the chances that someone will get sick and need extensive care?These and other questions are answered in this burst session with Mark Esslie as he delves into the unknown and often times not explored world of health savings, and why it truly is important and should be part of your planning! *If you want to reach out to The Esslie Group for questions, suggestions or o...
2023-10-2606 minYour Time, Your Money ™Here's How to Become FINANCIALLY SET.GOOD MORNING AND GREAT COFFEE!How's your planning going? Not planning at all? What's your financial situation looking like? Does not knowing what your future regarding retirement looks like keep you awake at night?Mark does a burst session on how to try to be a bit more financially sound moving forward, and how to get started. He discusses strategies on how to plan and what steps to take to try and become more financially sound. definitely a must listen episode!*If you want to reach out to The Esslie Group...
2023-10-1912 minYour Time, Your Money ™Which are BETTER...SHORT or LONG-TERM GOALS?GOOD MORNING AND GREAT COFFEE!A day late, but not a dollar short! Speaking of being on schedule, what are your short- or long-term financial goals? Do you currently have one or both? Have you ever thought about the importance of having these?Mark and Adam discuss this very topic regarding why it is so vital to have this mindset and make short- and long-term financial goals. Please take the time to listen, like, subscribe and share this extremely important information. Have a great weekend!*If you want to...
2023-10-1315 minYour Time, Your Money ™So You Want a Plan For HOLIDAY SPENDING...GOOD MORNING AND GREAT COFFEE!So, make sure you're sitting down for this one: THERE IS ONLY 94 DAYS LEFT UNTIL CHRISTMAS! Go ahead, breathe into a paper bag and do what you need to, we will wait...Anyways, like everyone who celebrates this holiday coming up, one of the main things that takes place is gift giving. This usually involves multiple people within a family and can become quite expense rather quickly!Mark discusses pre-planning, how to save and where to buy gifts, and other strategies to take a little bit of...
2023-09-2205 minYour Time, Your Money ™"The RULE of 72" & "The RULE of 72/30/50"GOOD MORNING AND GREAT COFFEE! :)The number 72 is not normally a number used in too many areas of life, but most people don't realize just how relevant it can really be!This episode Mark discuss just how important it really is, and how when combined with 30 and 50 it can be extremely important. Financially speaking, these numbers are a way for knowing where you stand, and the "formula" for this is explained herein. So, sip some of the Black Magic you have in front of you and listen to how the number 72...
2023-09-1406 minYour Time, Your Money ™Becoming a FINANCIAL ADVISORGOOD MORNING AND GREAT COFFEE!How's your current job going? Have you ever thought about a career change? This episode might be the one for you to really take a listen to!Mark and Adam discuss the process of potentially coming a financial advisor, the different steps that you would need to take, the up's and down's that come along with the position and the tests needed to become fully licensed!It can be a very rewarding career, but it is definitely not for everyone, so take some notes and listen...
2023-08-3124 minYour Time, Your Money ™Meeting an NHL and HULU SUPERSTAR - THE PIERRE LEBLOND INTERVIEWGOOD MORNING AND GREAT COFFEE!On this episode of "YOUR COACH, YOUR MONEY", we had the pleasure of having NHL great Pierre LeBlond. With his career spanning over 12 years, he was known as "the fighter", rarely hitting the ice when scrapping. Mark and Matt discuss LeBlond's career, as well as his current one working as a local real estate agent with Coldwell Bankers. They talk about how his hockey career directly impacts his work ethic, how it carries over into helping others find their dream homes, being married with 2 kids, and work/life...
2023-08-1731 minYour Time, Your Money ™YOUR QUESTIONS ANSWERED (pt. 2)GOOD MORNING AND GREAT COFFEE!You've got questions, we've got answers: PART 2 :) We continue to have people call and write in with specific questions that they are looking for answers to, and we are more than glad to pass on the information to everyone else as well!This week, Mark and Adam tackle a few of these, so keep them coming for us, and we'll keep the answers coming for you!*If you want to reach out to The Esslie Group for questions, suggestions or other, please call us at 1...
2023-07-2818 minYour Time, Your Money ™Re-living "THE HELMET CATCH" - THE DAVID TYREE INTERVIEWGOOD MORNING AND GREAT FOOTBALL! :)Well, one of our most anticipated interviews is finally here! his career resume speaks for itself, but what stands out most is "The Helmet Catch". We of course are talking about our guest David Tyree of The NY Giants! Matt and Mark sit with David to discuss his career, what he's doing now that he has retired from pro football, and the impact he has and is still currently making in his community. From having his own podcast called "Catch the Moment" to working with underprivileged children, being...
2023-07-0626 minYour Time, Your Money ™What's the Deal with "ESG"?GOOD MORNING AND GREAT COFFEE!I bet you never knew that there was a part of planning that you can do that involves the environment. Well, there is! It's called "ESG", and it stands for environmental, social, and governance.Mark and Adam dive into what ESG stands for in regard to your planning and how you can utilize it if it fits your personal beliefs and benefits. Take your time and enjoy the episode!*If you want to reach out to The Esslie Group for questions, suggestions or other, please call...
2023-06-2220 minYour Time, Your Money ™Let's Talk "CUSTODIAL IRA'S"GOOD MORNING AND GREAT COFFEE!Do you have children? If not, planning on ever having any and having them enter the work force at some point? Well, it may come a s a surprise to you, but children can have some planning tools just like us big folks!Adam and Mark discuss custodial ROTH IRA's, their importance in planning for a future, how they are acquired, used, and the in and outs of these special tools for early financial planning. Grab the kids, and have them listen with you on this one!*If...
2023-06-0816 minYour Time, Your Money ™Let's Talk "ROTH"GOOD MORNING AND GREAT COFFEE!If you're out in the work world, and you have any type of savings plan, you likely know about IRA's. But, do you know about ROTH IRA's? How much can you contribute, what can you do with the money that goes in and when? Is any of it tax free? These questions are all answered and more in this quick burst session with Mark Esslie, founder and owner of The Esslie Group. So sip on that coffee, sharpen that pencil and take notes!REMEMBER...
2023-02-1608 minYour Time, Your Money ™401K's and IN-SERVICE DISTRIBUTIONSGOOD MORNING AND GREAT COFFEE!So, you're working at your job and they say they have a retirement plan. It's called a 401k, and you're like "what the heck is that?"! Well, this snapshot from Mark Esslie is all about it. some of the in's and out's, the things to look for and questions to ask yourself and your employer when dealing with this savings plan for the day you wish to retire.Take a listen, take a couple notes and if there's any questions give us or your current advisor a call for help...
2023-01-1906 minYour Time, Your Money ™401K IN SERVICE DISTRIBUTIONSGOOD MORNING AND GREAT COFFEE!So, you're working at your job and they say they have a retirement plan. It's called a 401k, and you're like "what the heck is that?"! Well, this snapshot from Mark Esslie is all about it. some of the in's and out's, the things to look for and questions to ask yourself and your employer when dealing with this savings plan for the day you wish to retire.Take a listen, take a couple notes and if there's any questions give us or your current advisor a call for help...
2023-01-1206 minYour Time, Your Money ™Making New Years Resolutions That LASTGOOD MORNING AND GREAT COFFEE!So, as the old saying goes: "A New Year, a New Me". But how often do we stay true to this commitment? Some promises may last a couple months, while others last a few days. In this episode burst session, Mark Esslie discusses the importance of making a resolution that stays true to your financial future and setting realistic goals to be able to stay on track with these goals. Some great advice for a New Year, whether just starting out or right in the middle of your future planning!
2023-01-0513 minYour Time, Your Money ™Let's Talk "REQUIRED MINIMUM DISTRIBUTIONS" EARLY RELEASE THIS WEEK!GOOD MORNING AND GREAT COFFEE! If you're getting close to the "Golden Years" or already there, you may have heard of those 3 letters that start floating around in conversations: RMD. What the heck is that, you may ask yourself. well, it stands for "Required Minimum Distribution", and that first word means it's extremely important!Take a listen to what our advisor Mark Esslie has to say about this topic, when to take it and how it affects you and your retirement in many ways. As a...
2022-12-2810 minYour Time, Your Money ™The Esslie Group's First Annual Women's Appreciation EventGOOD MORNING AND GREAT COFFEE!Today we thought we would change it up a little bit and show you another side of our team. As Mark Esslie will explain, we take pride in focusing on many different aspects of planning and needs that aren't always being met. One of those that was brought to our attention was the lack of planning with and for women in general.Please take the time to watch and listen to our First Annual Women's Appreciation Event, honoring Mrs. Shannon Older. We want everyone to see the multi-layered roles...
2022-07-2809 minYour Time, Your Money ™Talking "REAL ESTATE" (w/ MICHAEL ESSLIE, OF ESSLIE & FRENIA ATTORNEY'S AT LAW)GOOD MORNING AND GREAT COFFEE! In this episode, the guys are joined by Mark's brother Michael of Esslie and Frenia P.C. The discussion centers around real estate, the beginning processes and things to look out for when you find "THE" house and different circumstances and potential issues to be aware of and look out for. From wells and septic to lenders and what they look for in a first time or second buyer and beyond. If you're looking for a new home or land, property to rent out or your "forever home" this is an episode to listen...
2022-05-0548 minYour Time, Your Money ™Charitable Giving with Melissa Mantei of the Northeast Kidney FoundationGOOD MORNING AND GREAT COFFEE! This episode introduces another new face from the team along with a special guest! From behind the cameras and soundboard, Matthew Byers sits with Mark Esslie and special guest Melissa Mantei, President and CEO of The Northeast Kidney Foundation this week to discuss Charitable Giving, the importance of why it is necessary to give to these organizations, the benefits it has for those in need and also for those giving as well. Melissa Mantei, a kidney donor in 2008, joined the NEKF in 2020 and became President and CEO in 2021. Mark Esslie joined the NEKF i...
2022-04-1442 min