Your Financial Plan-It

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 2Q 2024 Recap & 3Q 2024 Outlook.

Some topics of discussion include:

• Asset Classes – Mid-Year Performance Update
• Performance Drivers – Earnings Growth vs Valuation Multiples
• Equity Factors – The Biggest Companies Are Outperforming in 2024
• Inflation Update – What is the Federal Reserve Looking For?
• Interest Rates – More Central Banks are Starting to Cut Interest Rates
• U.S. Economy – Monitoring the Economy on Weekly Basis
• Importance of Diversification

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Budgeting is the cornerstone of financial stability, enabling you to manage your money effectively, prioritize expenses, and work towards achieving your financial goals. By distinguishing between essential and discretionary spending, tracking expenses diligently, and adhering to established budgeting techniques, you can gain control over your finances and pave the way for a secure financial future.

Key elements discussed in this episode include:

• Essential versus Discretionary Spending
• Calculating Monthly Income and Expenses
• Implementing Budgeting Techniques
• Tracking Expenses Methodically

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com [email protected] (888) 363-4546

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 1Q 2024 Recap & 2Q 2024 Outlook. Some topics of discussion include:

-Historical Market Events

-Market Returns – S&P 500 Index Sets Multiple New Highs in Q1 2024

-S&P 500 Bull & Bear Markets

-The Odds of Cash Underperforming Are High

-Credit Markets – Investors Now Expect Fewer Rate Cuts This Year

-Inflation – Slowing Progress and the Impact of Rising Gasoline Prices

-Labor Market – The Unemployment Rate Starts to Creep Higher

-Consumer Health – The Low Savings Rate Signals a Willingness to Spend

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to Synergy advisor Norton Stern about this 55 years working in the financial industry.

Some highlights include:

• Why a financial plan is important
• Norton's experience over his career
• Estate Planning and what you should be doing
• Business succession planning and taking care of your clients

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

As professional working women, Jordann Andrusiak and Lindsay Mills share their experience of navigating motherhood and the changes, challenges, and considerations they made to their lives. Also in this podcast, Lindsay Mills tells her inspirational story of navigating the critical financial events she has experienced from motherhood to single motherhood and losing a parent.

Key topics include:

• The transition to motherhood and navigating your new budget, work life balance, career path and new priorities.

• Preparing for 529 plans, childcare, sports, and travel.

• The transition to single motherhood and creating a new budget, goals and values. Creating new saving plans and emergency funds.

• Time management and prioritizing your values.

• The transition to losing a parent and becoming a support system for your family. Helping to navigate grief and offering education and support to your parent during the difficult life transition.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to our new team members Kevin Keith CRPC®, CRPS® and Lindsay Mills. As Synergy Capital Solutions continues to grow, we welcomed the clients and team of the EnVision Financial Group to our firm in November 2023. Through this combination we welcomed Kevin and Lindsay to our team, and we are excited for you to get toknow them.

Some topics of discussion in this podcast include:

-Kevin and Lindsay's career path and experience

-The passion they both share for the industry

-The everchanging financial industry

-How and why, Kevin and Lindsay choose Synergy

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 4Q 2023 market recap and 1Q 2023 outlook.

Some topics of discussion include:

-Market returns

-New opportunities

-Inflation

-Consumer Confidence

-Market themes

-Time in the market

-Withdrawal rates

To read more on the 4Q market recap and 1Q 2024 recap, read the latest blog post on our website or reach our to the Synergy Capital Solutions team. https://synergycapitalsolutions.com/blog.html?page=1

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to our new team members Caryn E. Fields CFP®, Brennan M. Ifkovits and Diego Wanderley. We are so excited to welcome them to the team and we are looking forward to you getting to know them.

Some highlights include:

-Their career path and experience

-The passion they share for the industry

-How and why, they choose Synergy

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial Plan-it join Jordann Andrusiak and Caryn Fields as they discuss some new year resolutions and a check list of items you should take care of during the year. This is a great resource to check you are starting 2024 in the best way possible with your financial plan.

As a new member to our team, Caryn provides a brief introduction to herself as she co-hosts her first podcast with Synergy Capital Solutions.

As changes in your life occur, are you adjusting your financial plan accordingly throughout the year? Some main topics in this podcast include:

-Life changes updates (Retirement, new family members, residence, ETC.)

-Financial plan updates

-Estate plans

-Tax changes

-Retirement planning

-Income and budgets

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In your 20s and 30s, the concept of retirement may seem distant and, frankly, irrelevant. A proactive mindset, however, can have a major impact on your financial future, possibly even setting the stage for an earlier retirement. If you’re in the majority of employees, you have access to an employer sponsored retirement plan, often a 401(k), and at some point, either because you start a new job, retire or adjust your financial plan, you may need (or want) to distribute your retirement assets into another retirement account. This is known as a rollover. To help you prepare and make an informed decision, here are the main options you will likely have, and some of the pros and cons associated with each.

Reach out to the Synergy Capital Solutions team if you have any questions or need further information. [email protected]

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.