Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. In this episode they welcome car industry expert Josh Sack to talk about buying a car in today's world. Listen to learn about:

• Should you buy or lease?
• What's a car buying advocate and how can they help make things easy for you?
• Learn about the dealers perspective on financing and trade-ins and what you can do to prepare to get the best deal.
• What do you need to think about with EVs, hybrids, and alternative transportation options?
• Then of course finish up with a couple of Jeremy's dad jokes.

Reach out to Josh at [email protected].

Learn more about Stressless Car at stresslesscar.com.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. In this episode they get together to discuss the lost art of income investing. Listen to learn about:

• What is income investing?
• Why people have started to forget about income investing (but should come back to it!)
• What are bonds really?
• The different flavors of income investing for different situations and life stages from bonds to savings to dividends to properties and more
• Doug gets spicy about bond index funds
• Then finish up with some dad jokes

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. In this episode they get together to discuss the importance of finding ways to talk about financial literacy at an early age.  Listen to learn about:

• How money games such as Monopoly can help introduce the topic
• Lemonade stands, piggy banks, money apps, and other ways kids can start interacting with real money
• The difference between savings accounts today and how to make them work for you
• Is financial literacy being taught in schools?
• Jobs that even kids under 16 can do to start earning some money
• This episode's Mythbuster with Jeremy tackling the idea that young adults can't afford to save
• Then finish up with some dad jokes

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. This episode they get together to discuss the realities of being an entrepreneur.  Listen to learn about:

• Doug and Jeremy's own journeys from corporate jobs to the entrepreneurial world
• The traits and habits that can drive small business owners --- and hold them back
• Learning to trust others with a piece of your business pie
• The importance of having a realistic timeline for your business
• The average age of a business founder (the answer might surprise you!)
• Then finish up with some dad jokes from Jeremy.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. This episode they get together to break down some money myths affecting Gen Xers.  Listen to learn about:

• Should I invest when the market is at an all-time high?
• Do I need 10x my salary in order to retire? (Doug gets a little spicy on this one!)
• Will Medicare cover all of my healthcare costs?
• I have a will, do I need an estate plan?
• Am I too old to make Roth contributions?
• Then finish up with some dad jokes from Jeremy and community updates from the guys.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. For this episode they welcome the podcast's first guest, independent college advisor Tom O'Hare. Listen to learn about:

• The state of higher education today, from the rising costs for families to the moves colleges and universities are making to keep up with the Jonses.
• Tom's strategy of purchasing an education like you would a house or any other large purchase. 
• The crazy supply and demand numbers right now and how to properly assess your situation to make sure you're looking at the right schools for you.
• When the proper time is to start planning for college and what are some of the things you can do to nudge students and parents into that frame of mind.
• And as always, start saving early!
• In the Mythbuster segment, Jeremy and Tom take on myths around what type of families get financial aid, whether people need to set aside savings for education even if they don't know whether their kid will go to college, and whether a "free ride" is really free.
• Then finish up with some dad jokes from Jeremy.

Learn more about Tom at getcollegegoing.com or (617) 240-7350.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear.  This episode dives into the changes coming in 2025 that will impact retirement planning and savings strategies for both individuals and business owners. They jump into:

• The "Mickey D's Law" increasing 401(k) catch-up contributions for certain ages.
• Small businesses and 401(k) auto-enrolling employees.
• Roth contribution options are now available in SEP and SIMPLE plans.
• If you inherited an IRA in recent years, talk to someone!
• Social Security not only isn't going anywhere, it's going up!
• A new Mythbuster segment where Jeremy busts the myth of avoiding investing during all-time highs. 
• Then finish up with what Doug and Jeremy are looking forward to in 2025 and of course some dad jokes from Jeremy.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. Today's episode is a reality check for uncertain times where everybody seems stressed about the future. They dig into the reality of:

• Gross domestic product, unemployment rate, wage growth, consumer price index. Where these numbers sit now, where they've been historically, and what it says about the current economic landscape.
• The reality of the broken math of our US system and how it's unlikely to change.
• Social security. Is it going away?
• How the US economy is the world's cleanest dirty shirt.
• The current reality of inflation and the cost of lettuce in Toledo.
• Taking an optimistic look and seeing everything the economy has survived in the past!
• Then finish up with what's new in Hanover and Watertown and of course some dad jokes from Jeremy. (Doug even gets one right!)

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. Today's episode is focused on all those financial things that have slipped down your to-do list. You'll hear about how things are fine...until they're not:

• Just as you cram stuff in boxes in your basement and then forget about it, we make financial decisions once and then forget about them.
• Hear Jeremy's personal stories of sump pumps, sneaky phone bill and mortgage hikes, and savings accounts changes made by big banks hoping you'll never check in on them.
• Learn why you need to make sure you're not still investing like you're in your 20s when you're in your 50s or older.
• Listen about how to address the emotional side of opening up those old financial boxes.
• Then finish up with what's new in Hanover and Watertown and of course a dad joke from Jeremy.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.

Join Arsenal Financial advisors Doug Orifice and Jeremy Vaille as they open up their relaxed office conversations about various financial topics for everybody to hear. Today's episode is focused on retirement where you'll hear about:

• What are the factors that make retiring hard?
• Why starting early is important for those in their 20s and 30s (even with all of life's other expenses).
• Why people 10 years or less from retirement (T minus 10s) need a different approach.
• The psychological impact of preparing for retirement and the trade-offs to consider.
• How to approach dealing with the changes in sense of purpose and social connection when you stop working.
• How financial planning tools and Doug and Jeremy's experience can give you the confidence to help make retiring a little less hard.
• What's new in Hanover and Watertown.
• And of course some dad jokes from Jeremy to wrap it up.

Learn more about Doug, Jeremy, and Arsenal Financial at arsenalfinancial.com or call (781) 335-9100.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The information in this podcast is educational and general in nature and does not take into consideration the listener’s personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a final decision.