The Trusted Partner Podcast - Wealth Strategies for High Net Worth Families

Jesse and Gabe sit down with Chris Mooney, Cobblestone's Managing Director of Business Development, to discuss the most important and impactful questions we hear from our clients. Topics include:

- Our best tips for individuals to bring their financial conversations

- The power of a financial to-do list

- The single best question Gabe and Chris hear in their conversations

- Simple personal finance organization tips

- Thinking long-term with your finances and financial relationships

- Actionable advice for you to use in 2023

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

On this episode of The Trusted Partner Podcast, Jesse and Gabe sit down with Ben Dobrzynski, CPA. Ben is a partner at Demott & Smith CPA's, in Rochester NY, where he focuses his practice on providing tax, accounting, and general business advice to individuals, closely held businesses, and seed-stage to late-stage start-up companies.

On the podcast, the trio discusses:

- End-of-year tax considerations

- Different tax deadlines

- Low-hanging fruit individuals should think about throughout the year

- When should someone start working with a tax pro?

- What are common tax mistakes?

- What is "tax planning"?

- What's up with the IRS hiring 85,000 new employees?

- Why do audits happen? How can someone avoid them?

- Why Roth accounts are "the most powerful tool in the tax environment"

- The importance of "account type diversification"

- Tax planning before retirement

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Cobblestone is not licensed to provide and does not provide legal, tax, or accounting advice to clients. Advice of qualified counsel or accountants should be sought to address any specific situation requiring assistance from such licensed individuals.

Jesse and Gabe sit down with Kathleen Pringle, executive career strategist and coach, to discuss the many aspects of planning a remarkable career. We cover:

- The concept of "necessity vs. desire"

- The most important skills in the modern workplace

- How the best workplaces are setting themselves apart

- The Great Resignation

- The personal finances behind a career change

- The best mindset for negotiation

- How to identify your own strengths

- Salary negotiations when changing jobs

- Tips for people going back to the workforce

- Planning your workplace retirement

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Today we sit down with Allison Schraf, CFP, Senior Wealth Planner at Cobblestone Capital Advisors to discuss financial planning basics.

- What's a CFP?

- The most common questions financial planners deal with

- Budgets and balance sheets

- How financial plans prepare for recessions and bear markets

- Common mistakes in financial planning

- When someone should seek professional financial planning

- The difference between personal finance and financial planning

- What are the characteristics of those with successful financial plans

- How often should someone update their plan?

- Elder care, medicare, and financial planning

- Tools and organization tactics in financial planning

Disclosure: Information presented in this podcast is not intended to be nor should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Jesse and Gabe sit down with Eric Furnal, CFA, the director of private investments at Cobblestone Capital. They discuss:

- the basics of private investments - what they are, how they work, how they're bought and sold

- the various "buckets" of private markets

- why invest publicly? why invest privately?

- how do private investments provide diversification?

- how do regular people get access to private markets?

- how can retail investors develop private market expertise?

- what does the future of real estate look like?

- how does an investor know if private investments are right for them?

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Today we sit down with Erick Bond, President of Bond Benefits Consulting. We ask Erick about:

- what should the average employee be thinking during open enrollment?

- what are the different kinds of plans? Why do they exist?

- how can/should last year's medical usage affect next year's insurance needs?

- how should families think through their multiple insurance options?

- why people should "trust the math" in their insurance decisions

- the scary "what ifs" that go into insurance planning

- the many components of Medicare

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Today we sit down with Charlie Ruff, Senior Portfolio Manager at Cobblestone Capital Advisors.

We ask Charlie about:

- the basics of stock investing - risk, reward, timelines, volatility

- why do stocks rise and fall?

- the difference between individual stocks and the whole market

- the importance of knowledge in investing - and how hard it is for professionals to outperform the market

- the economic fundamentals behind stocks

- how to build a balance portfolio of stocks

- the importance of human behavior in investing

- what's going on with "meme stocks," especially Bed, Bath, and Beyond

- ensuring you know the different between investing, speculation, gambling, and fun

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Today we sit down with Chris Mooney, Managing Director of Business Development at Cobblestone Capital Advisors.

We ask Chris about:

- talking with clients about preparing for the next generation

- the important cycle of planning and reviewing

- the vital roles of attorneys and accountants as advisors

- the basics of estate planning

- being a client's trusted advocate...and the hard conversations that come with that responsibility

- some unfortunate stories when generational planning wasn't considered

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

Today we sit down with Jason Garlock, Chief Investment Officer at Cobblestone Capital Advisors.

We ask Jason about:

- what to think about being in a bear market?

- when and why one could consider changing asset allocation

- how proper financial planning instructs portfolio construction (not the other way around)

- how goals-based investing works

- what's the "permanent impairment of capital?"

- his favorite part of the job: telling clients to spend more money

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.

In the first episode of The Trusted Partner Podcast, Jesse and Gabe sit down with John DiPasquale, CEO of Cobblestone Capital Advisors.

We ask John to explain...

- the vital role of trust throughout the financial system

- what financial credentials represent

- why open communication is the bedrock of trust

- the power of owning your mistakes

- and more lessons from his decades of experience.

Disclosure:

Information presented in this podcast is not intended to be nor should be construed as individualized investment advice.

All content is of a general nature and solely for educational, informational and illustrative purposes.

Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

Opinions of unaffiliated third-parties may not represent those of Cobblestone Capital Advisors or its employees.