Hot Ones: Financial Advisors Answer Tough Questions While Eating Extremely Hot Wings 🌶️ | The Pitti Group In this special Hot Ones-inspired episode of The Finance Things in Life, Matt and Anthony Pitti put their taste buds on the line while discussing financial myths, retirement planning, investing mistakes, credit card debt, financial habits, market timing, retirement savings, and more. Along the way, they share their hottest financial takes, common money mistakes they see clients make, and the financial advice they believe everyone should hear; while trying not to melt down from increasingly spicy hot sauces. Topics include: 🌶️ Financial myths that need to disappear 🌶️ Why diversification matters 🌶️ The dangers of credit card debt 🌶️ Market timing mistakes investors make 🌶️ Retirement planning misconceptions 🌶️ Why people spend money to "look successful" 🌶️ Financial decisions driven by emotion Description:What happens when financial advisors answer tough money questions while eating increasingly hotter wings? The truth about living within your means Whether you're building wealth, planning for retirement, or simply looking for financial advice that's a little more entertaining than usual, this episode is for you. Ready to build a financial plan that can handle the heat? Contact The Pitti Group to learn more.

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#FinancialPlanning #RetirementPlanning #Investing #HotOnes #FinancialAdvisor #PersonalFinance #WealthManagement Chapters:00:00 Introduction & Hot Ones Challenge 02:15 What Financial Topic Sounds Boring but Matters Most? 05:10 Financial Myths That Need to Retire 08:45 Tax Planning & Retirement Planning Mistakes 11:30 Fear vs. Smart Financial Decisions 15:00 Rochester Hot Sauce Review 🌶️ 17:30 Who Panics First When Technology Breaks? 21:45 Credit Card Debt & Financial Red Flags 25:40 Why People Spend Money to Look Successful 29:15 The Truth About Market Timing 33:30 Wealth Habits That Actually Work 37:15 Financial TikTok: Helpful or Harmful? 42:00 Money Trends That Drive Advisors Crazy 46:20 Why Retirement Planning Is More Complicated Than People Think 51:15 Emotional Financial Decisions People Make 56:30 The Spiciest Financial Opinions 1:01:20 Money Truths People Don't Want to Hear 1:05:30 Financial Behaviors We Somehow Normalize 1:10:00 Final Hot Sauce Challenge & Wrap-Up Disclosures:The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure.The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

Episode 6 with Zach Courier:7 Things No One Tells You About Retirement | Retirement Planning Beyond Money What does a happy retirement actually look like? Most people spend decades planning the financial side of retirement, but very few prepare for the emotional, psychological, and lifestyle changes that come with leaving their career behind. Retirement isn't just about having enough money saved; it's about navigating an entirely new chapter of life. In this episode (#6) of The Finance Things in Life podcast, The Pitti Group brothers are joined by not just one, but TWO special guests: Zach Courier arrived at the studio to discuss the 7 Things No One Tells You About Retirement, while The Pitti Group's own President and Founder, Sal Pitti, sits in to join the conversation! We explore the financial, emotional, and lifestyle challenges many retirees don't anticipate, along with practical ways to prepare for what's ahead. Why retirement can be one of life's most stressful transitions The hidden risks of losing your sense of purpose How loneliness, isolation, and depression impact retirees Why having money isn't enough for a successful retirement The importance of hobbies, routines, and social connections How longevity is changing retirement planning Why retirement doesn't eliminate work… it simply changes it Whether you're 35 or 65, these lessons can help you build a retirement that's not only financially secure but personally fulfilling. Chapters 00:00 Introduction 02:40 The 7 Things No One Tells You About Retirement 04:35 Retirement History Reveals a Lot 08:15 Why Most Americans Don't Understand Their Retirement Plans 12:00 Retirement Is One of Life's Most Stressful Events 17:45 Planning for the Unexpected in Retirement 23:10 The Dark Side of Retirement: Isolation, Depression & Purpose 29:30 Why Having a Bucket List Matters 34:45 The Major Retirement Miscalculation 40:10 Losing Identity After Leaving Work 45:20 Where Traditional Retirement Advice Goes Wrong 49:45 What Professional Athletes and Lottery Winners Teach Us About Money 56:30 The Broken Record of Longevity 1:02:00 How to Stay Young in Retirement 1:08:15 Retirement's Greatest Paradox 1:13:45 Final Thoughts & Advice for Every Generation If you enjoy this episode, please Like, Subscribe, and Share. Comment to start a conversation: What are your biggest questions about retirement? For more retirement planning insights, and to get a copy of your checklist and the presentation, visit: thepittigroup.com/education The Pitti Group Wealth Management | Victor, NY | Financial Planning | Wealth Management Strategies | Retirement Planning Disclosures:The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure.The information provided is for educational and informational purposes only and does not constitute investment advice, and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward-looking statements. Please note that any such statements are not guarantees of any future performance, and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur.

The Future of Car Buying: Family Business, EVs, AI & Auto Industry Trends | Johnny Gabrielle, Marina Auto GroupIn this episode of The Finance Things in Life podcast, The Pitti Group brothers, Matt and Anthony Pitti, sit down with Johnny Gabrielle, General Manager of Marina Auto Group, to discuss what it's like leading a multi-generational family business, the future of the automotive industry, EV adoption, AI in car sales, dealership consolidation, and what consumers should know before buying their next vehicle.Johnny shares the story behind Marina Auto Group, lessons learned from working alongside family, how technology is changing car buying, and why customer experience remains the ultimate competitive advantage.Whether you're a business owner, car buyer, entrepreneur, or someone interested in family business succession planning, this episode offers valuable insights into one of America's most competitive industries.Topics Covered✔ Family business succession planning✔ Building a multi-generational company✔ The future of car dealerships✔ AI and online car buying✔ Electric vehicles (EVs) and charging infrastructure✔ Interest rates and vehicle affordability✔ Customer experience and sales psychology✔ Leadership and entrepreneurship✔ Wealth-building lessons from business ownersChapters00:00 Introduction & Meet Johnny Gabrielle02:15 Working in a Family Business07:40 Earning Respect in a Family Company11:30 How the Auto Industry Has Changed16:00 COVID's Impact on Car Dealerships20:20 Dealership Consolidation & Competition24:15 AI, Online Car Buying & Negotiation Bots29:00 Why Customer Experience Matters33:20 Interest Rates, Leasing vs. Buying37:30 The EV Boom, Challenges & Future Outlook45:15 Succession Planning for Family Businesses50:20 Financial Advice & Building Wealth54:15 Bonus QuestionConnect With UsSubscribe for more conversations about wealth, business, entrepreneurship, and the financial decisions that shape everyday life.The Finance Things in Life podcast is available on Apple Podcast and Spotify as well so you can download full length episodes without using data!thepittigroup.comThe Pitti Group Wealth Management | Victor, NY#FinanceThingsInLife #FamilyBusiness #CarBuying #EVs #AutomotiveIndustry #Entrepreneurship #WealthManagement #AI #BusinessPodcast #FinancialPlanningDisclosures: The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

$84 trillion is expected to change hands over the next 20 years. The question is: Is your family prepared?Season 2, Episode 4: The largest transfer of wealth in history is already underway.Over the next two decades, an estimated $84 trillion is expected to pass from Baby Boomers to younger generations. Yet many families have never discussed how those assets will be transferred, who will inherit them, or the tax and planning considerations that come with them.In this episode of The Finance Things in Life, Matt and Anthony Pitti explore the realities of The Great Wealth Transfer and discuss practical steps families can take now to prepare.Topics include:• Why estate planning conversations should happen sooner rather than later• Updating wills, trusts, and beneficiary designations• Tax considerations for inherited IRAs and retirement accounts• Strategies for charitable giving and legacy planning• Common mistakes families make when transferring wealth• How trusts can help protect and manage inherited assets• What heirs should know before receiving an inheritance• The importance of involving financial, legal, and tax professionals in the planning processWhether you're planning to leave a legacy or expect to inherit assets in the future, this conversation offers valuable insights to help you navigate one of the most significant financial events of your lifetime.For more information and resources, visit The Pitti Group.#TheGreatWealthTransfer #EstatePlanning #InheritancePlanning #FinancialPlanning #RetirementPlanning #WealthManagement #ThePittiGroup #PersonalFinance #LegacyPlanning #financialeducation Disclosures:The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure.This information is general in nature and should not be considered tax advice. Investors should consult with a qualified tax consultant as to their particular situation.The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

Season 2: Episode 3 with Special Guest, Jesse TothIn this episode of The Finance Things in Life, The Pitti Group Wealth Management brothers sit down with Jesse Toth, President of Leaders Inspire, for a powerful conversation on leadership, financial health, business growth, personal fulfillment, and the challenges facing today’s leaders. From succession planning and developing emerging leaders to balancing business success with family, health, and purpose, this episode explores what truly makes a leader worth following. Jesse shares his journey from financial advising and physical therapy into executive leadership coaching, while Matt and Anthony connect these lessons directly to business owners, financial professionals, and families. Whether you're a business owner, entrepreneur, financial advisor, or someone striving for personal growth, this episode delivers practical wisdom on: - Leadership development - Succession planning - Financial wellness - Personal reflection - Screen time and technology’s impact on leadership & family At The Pitti Group Wealth Management, we believe financial planning is about more than money; it’s about building a life and legacy with purpose. 📍 Based in Victor, New York, The Pitti Group helps individuals, families, and business owners pursue financial confidence through personalized wealth management strategies. Connect with The Pitti Group Wealth Management: Retirement Planning | Wealth Management | Business Financial Planning thepittigroup.com Participants: - Jesse Toth, President, Leaders Inspire:https://www.linkedin.com/in/jesse-toth-8769bb97/- Matt Pitti, AIF® Senior Vice President, Wealth Advisor:https://www.linkedin.com/in/matthewpitti/- Anthony Pitti, CDFA®, CRPS™ Vice President, Wealth Advisor https://www.linkedin.com/in/anthonypitti/ #WealthManagement #LeadershipDevelopment #VictorNY #FinancialPlanning #BusinessLeadership #SuccessionPlanning #ThePittiGroup #RochesterNY #Entrepreneurship #PersonalGrowth #FinanceThingsAndLife The Pitti Group Wealth Management | Victor, NY Disclosure: The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure. The information provided is for educational and informational purposes only and does not constitute investment advice, and it should not be relied on as such.

Season 2: Episode 2 -- Special Guest Greg Cullen Former pro baseball player Greg Cullen joins The Finance Things in Life podcast to share his journey from Penfield Little League standout to being drafted by the  @braves , navigating the realities of major league baseball, and building a new career in the booming sports card world with  @wethehobby .In this episode, Greg opens up with Matt and Anthony about: ⚾ His path through college baseball and professional baseball 💰 The financial realities of life in the minor leagues 🏠 Homeownership, weddings, and smart money moves 📈 Roth IRA, investing, and financial literacy for athletes 🎴 Sports cards, collectibles, and the explosive growth of the hobby market 🔥 Why passion, adaptability, and perspective matter after sports Whether you're a baseball fan, athlete, investor, collector, or just love hearing real stories about career pivots and success, this episode is packed with insight, humor, and practical advice. Be sure to like, comment, and subscribe for more conversations about wealth, life, sports, and the financial decisions that shape our futures. If you’ve found this information useful and have any questions, don’t hesitate to reach out to us at [email protected] and visit thepittigroup.com Disclosures: The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure. The information provided is for educational and informational purposes only and does not constitute investment advice, and it should not be relied on as such. This information is general in nature and should not be considered tax advice. Investors should consult with a qualified tax consultant as to their particular situation. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. #Baseball #Finance #SportsCards #Investing #GregCullen #TheFinanceThingsInLife #AtlantaBraves #RothIRA #WeTheHobby #Podcast

Season 2: Episode 1: Biggest 401(k) MistakesMost people change jobs and never think twice about their old 401(k)… until it’s too late.In this episode of The Finance Things in Life, Matt Pitti and Sean Hantes break down what really happens to your retirement accounts when you switch jobs, and the costly mistakes they see all the time.From forgotten accounts and poor investment allocations to outdated beneficiaries and real-life horror stories, this conversation covers the small details that can make a massive difference in your financial future.👉 You’ll learn:- What your options are when leaving a job (leave it, roll it over, or transfer it)- Why “set it and forget it” can quietly hurt your retirement- How outdated beneficiaries can override your will- Real client stories where small oversights led to big consequences- Why reviewing your accounts annually matters more than you thinkIf you’ve ever changed jobs, been laid off, or plan to retire someday (so… everyone), this is a must-watch.📩 Have questions about your 401(k) or old accounts? Reach out to us at The Pitti Group Wealth Management, we’re happy to help. ThePittiGroup.com👍 Be sure like, subscribe, and share if this helped you.Disclosures:The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure.The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. All investments include a risk of loss that clients should be prepared to bear. The principal risks of The Pitti Group’s strategies are disclosed in the publicly available Form ADV Part 2A

In this episode of The Finance Things in Life, Anthony Pitti sits down with Lindsay Connelly, founder of Linden Digital, to discuss what truly sets successful marketing agencies apart in a crowded marketplace.

Key topics covered: 

✅ Why culture and retention matter more than ever in service businesses 

✅ The "media calculator" approach: Using actual math to predict marketing ROI 

✅ How to determine if Google Ads, social media, or other channels make sense for YOUR budget 

✅ Scaling from $0 to $2M through authentic relationships and word-of-mouth 

✅ The power of cross-training teams and proactive client strategy 

✅ Building a workplace where employees actually want to stay (and bring pie)

Lindsay shares real client examples, including when she told a prospect NOT to hire her agency, and why radical honesty wins more business than overselling ever could. Whether you're a small business owner trying to navigate digital marketing or an entrepreneur building a team, this conversation delivers actionable insights on culture, client service, and sustainable growth.

#Marketing #BusinessGrowth #AgencyLife #ROI #CompanyCulture #Entrepreneurship #DigitalMarketing

The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure.The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.
​​​​​​​This information is general in nature and should not be considered tax advice.  Investors should consult with a qualified tax consultant as to their particular situation.

In this episode of Finance Things in Life, Matt and Anthony from The Pitti Group Wealth Management sit down with Peter Glennon from the Glennon Law Firm PC to discuss the complex challenges facing family business owners. From starting as a solo entrepreneur to bringing on partners and family members, Peter shares invaluable legal insights on entity formation, succession planning, and protecting your business assets. Learn about the importance of governing documents, navigating family dynamics in the workplace, prenuptial agreements for business owners, and why communication is absolutely critical at every stage of business growth. Whether you're just starting out or managing a multi-generational family business, this episode is packed with practical advice to help you avoid costly legal pitfalls.

The Pitti Group Wealth Management, LLC (“The Pitti Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Pitti Group and its representatives are properly licensed or exempt from licensure.
The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.
This information is general in nature and should not be considered tax advice.  Investors should consult with a qualified tax consultant as to their particular situation.

Now that the year has come to a close, we are reminded of some of the smart tax planning that can make a big difference. In this episode of Finance Things in Life, Matt and Anthony break down tax loss harvesting—what it is, how it works, and when it actually makes sense to use it.

They walk through real-world examples of realized gains and losses, explain the $3,000 annual loss limit and carryforwards, and clarify common misconceptions around the wash sale rule, ETFs vs. individual stocks, and why this strategy only applies to taxable brokerage accounts—not IRAs.

You’ll also hear how tax loss harvesting can be especially powerful in volatile markets or years with large income events, like selling a property, and why communication between your advisor and CPA is critical to making it work effectively.

If you’ve had gains this year—or want to be more proactive about reducing your tax burden—this episode gives you practical insights to help you stay invested while keeping more money in your pocket.

🎧 Tune in to learn how small moves today can lead to meaningful tax savings tomorrow.