Know Your Options: The Measured Risk Podcast

In this episode, hosts Bernard Surovsky and Larry Kriesmer welcome Michael J. DiCenso, the founder of DiCenso Consulting with over 32 years of experience who has revolutionized the registered investment advisor industry. Together, they discuss the current trends and developments in financial planning, including merging financial wellness and retirement planning, providing comprehensive risk planning, and the lack of expertise in delivering holistic financial solutions. Learn how to navigate the current economic challenges and take advantage of PEPs and 316 operational fiduciaries for effective 401k plans.

Michael J. DiCenso, a highly accomplished Management Consultant with a proven track record of creating vision, strategy, and direction in the financial services industry. With 34 years of experience, he has delivered “holistic solutions” and demonstrated exceptional leadership in areas such as critical thinking, practice management, regulatory evolution, and sales and marketing. Mr. DiCenso has been a pioneer in market innovation, introducing initiatives such as recordkeeping fee transparency and the first fully internet-enabled recordkeeping platform. He has held esteemed positions at renowned institutions, leading exponential growth in assets, revenues, and profits. His expertise and contributions have shaped the industry’s future, making him an asset in retirement planning, wealth management, and fiduciary processes.

What you’ll learn about in this episode:

• Trends in the registered investment advisor (RIA) space are expanding into financial planning for the masses, offering affordable services and engaging with financial advisors.
• Regulatory transparency is crucial for retail users, ensuring clarity and accountability in the financial services industry.
• Holistic financial wellness and retirement planning are essential for everyone, not just those with high net worth. It emphasizes the importance of comprehensive financial planning and packages.
• Financial education in high schools and colleges is necessary to improve financial literacy from an early age and empower individuals to make informed financial decisions.

Michael J. DiCenso Resources:

https://www.linkedin.com/in/michael-dicenso-a479b16/

Measured Risk Portfolios Resources:

https://www.measuredriskportfolios.com

https://www.linkedin.com/company/measured-risk-portfolios/

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On this episode, hosts Bernard Surovsky and Larry Kriesmer feature the Founder & CEO of Yardly Wealth Management, Mike Garry. The trio delves into Mike’s journey into the financial advisory business. From frustrations to the lack of financial education, to challenges in choosing investment options, the experts discuss all aspects of the modern-day financial industry. They highlight the importance of comprehensive financial planning goals and the risks and value of investing in stock markets.

Michael Garry has dedicated his career to spreading financial security and peace of mind by providing leading-edge wealth management and financial education. Michael Garry built his independent financial advisory firm from zero to over $100 Million in Assets Under Management (AUM) through grit and determination.

Michael earned a B.S. and an MBA in Finance from Saint Joseph’s University and a law degree (J.D.) from the Widener University School of Law, where he concentrated in tax, securities, and estate planning.

Michael began his career as an intern with the Pennsylvania Office of the Attorney General, and he was admitted to the Pennsylvania and New Jersey State Bars. Michael served as a practicing attorney for two Philadelphia law firms before becoming a financial advisor. Michael honed his financial management skills by working with Merrill Lynch and then becoming vice-president and Chief Compliance Officer at Global Investment Management, overseeing a 25-year old Registered Investment Advisory firm’s operations and legal compliance.

In the relentless pursuit of excellence, in February of 2006, Michael founded Yardley Wealth Management, LLC, using his core principles to serve his clients better. Starting the firm has allowed Michael to consistently put your success at the forefront of everything he does. At Yardley Wealth Management, Michael applies his financial planning expertise, financial industry knowledge, and legal background to provide a seamless, thoughtful approach to wealth management.

What you’ll learn about in this episode:

• Why having a comprehensive financial plan is crucial for individuals seeking financial advice.
• Characteristics of a perfect investment option and how it aligns with client expectations.
• Insights into the financial advisory business and suggestions for its improvement.

Mike Garry Resources:

https://twitter.com/MichaelJGarry

https://www.facebook.com/YardleyWealthManagement/

https://www.linkedin.com/in/michaelgarry/

https://www.youtube.com/channel/UCe-ma6bk1O68Tmb2sDakZpA

https://instagram.com/yardleywealth?igshid=1dp5vzs5pwqf3

Measured Risk Portfolios Resources:

https://www.measuredriskportfolios.com

https://www.linkedin.com/company/measured-risk-portfolios/

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On this episode, hosts Bernard Surovsky and Larry Kriesmerinterview Matt Page, a financial planner at Lucas Group Financial Partners in Sacramento, California. In this episode, they explore topics such as anticipating clients’ cash flow needs, the evolution of investment products, and the challenges faced by the bond market. The hosts also touch on industry improvements, marketing strategies, and the importance of understanding the psychological and emotional needs of clients. Matt’s prediction that stocks will perform well over the long term is just the cherry on top.

Matt Page is a Partner at Lucas Group Financial Planners, Inc., which has been providing financial planning and wealth management services to clients for over 40 years. Matt is aCertified Financial Planner with more than two decades of experience. Throughout this time, he has shown his commitment to offering a high level of service and actionable insights to clients about their finances.

What you’ll learn about in this episode:

• How comprehensive financial planning involves fitting all the pieces of a client’s financial life together based on their goals and needs.
• Why asset allocation strategy should consider clients’ cash flow needs and adjust investments accordingly.
• How building relationships and understanding the psychology of financial planning are crucial in serving clients effectively.

Matt Page Resources:

https://lucasplanners.com

https://facebook.com/twentyoverten

https://twitter.com/twentyoverten

https://instagram.com/twentyoverten

Measured Risk Portfolios Resources:

https://www.measuredriskportfolios.com

https://www.linkedin.com/company/measured-risk-portfolios/

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On this episode, hosts Bernard Surovsky and Larry Kriesmer chat with special guest Joseph Parnes, who shares his experience as the President of Technomart Investment Advisors. Parnes shares his insights on managing volatility, using bonds as a hedge, and understanding the impact of interest rate increases. He believes in investing in fine companies with a competitive advantage and emphasizes the importance of consistency in investing.

Joseph, President of Technomart Investment Advisors, is well known for his contrarian strategy. He is a contributor to Forbes, featured in Barron’s, Bloomberg, CNBC and has advised the UK Supreme Court via the FMLC c/o the Bank of England on short selling. Technomart Investment Advisors has been awarded for 2022 as Baltimore’s Best and one of the largest wealth management firms by the Baltimore Business Journal. Joseph Parnes educational book on short selling for the long term, Wiley 2020, was published in 2020. Short Selling for the Long Term expands on Joseph’s investment short and long selling philosophy. Educating both novices and investors in a concise, uncomplicated, and systematic style using fundamental and technical analysis to select promising short positions, mitigate risk, and roll any profits into long positions. If this seems iconoclastic, it is. But it works. Parnes reveals this formula contrary to most advisors’ belief in liquidating positions or shorting as a singular goal. Investors can stay invested, whatever the proverbial weather on Wall Street.

What you’ll learn about in this episode:

• Allocate assets wisely to minimize risk and maximize returns – Parnes emphasizes the importance of asset allocation in investment portfolios, spanning stocks, bonds, and alternative investments.
• Diversify investments across sectors and industries for a well-balanced portfolio – Diversification strategy ensures that your investments are not overly concentrated, reducing risk exposure.
• Prioritize risk management for successful investment – Effective risk management through hedging strategies, diversification, and stop-loss orders is crucial in investment management.

Joseph Parnes Resources:

www.technomartrga.com

www.shortex.com

Measured Risk Portfolios Resources:

https://www.measuredriskportfolios.com

https://www.linkedin.com/company/measured-risk-portfolios/

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On today’s episode of “Know Your Options: The Measured Risk Podcast,” hosts Bernard Surovsky and Larry Kriesmer interview Stephen D. Ambrosini, the CEO and Founding Partner of 20/20 Financial Advisers in California. Bernard, Larry, and Stephen discuss their journey into the insurance business and the challenges they face while adapting to new technologies. They also stress the importance of life insurance as a foundation for financial planning and risk management. They share investment strategies and investment options for clients based on their risk profile and goals. This episode also touches on the potential impact of AI on the industry and the importance of relationships with clients. It concludes with a compelling discussion on overcoming challenges and finding success in the business.

As the owner of 20/20 Financial Advisers of Cardiff by the Sea, LLC, Stephen D. Ambrosini, along with his associates, provides investment and insurance related products and services to businesses and individuals through his registration with Private Client Services. Steve is also registered as an Investment Advisor Representative (IAR) with 20/20 Financial Advisers and provides fee based financial planning and fee-based investment services to clients through his relationship with Prime Capital Wealth Management.

What you’ll learn about in this episode:

• Understand your risk tolerance and define your investment goals before devising an investment strategy.
• Diversify your investments across different classes and sectors to reduce risks.
• Regularly rebalance your portfolio based on market conditions and changes in your investment goals.

20/20 Financial Advisers Resources:

https://www.2020fa.com

Measured Risk Portfolios Resources:

https://www.measuredriskportfolios.com

https://www.linkedin.com/company/measured-risk-portfolios/

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Welcome to “Know Your Options: The Measured Risk Podcast” – the ultimate guide to navigating the volatile nature of the markets while managing risk purposefully. Join us as we challenge the theory behind Traditional Asset Allocation and dive into the mathematics of investing. Whether you are a seasoned investor or just starting out, this podcast offers valuable insights and practical advice to help you make informed decisions and manage your money wisely. So grab a cup of coffee, sit back, and let’s dive into the world of calculated risks together.

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