Pennywise Financial Podcast S7 E111 Navigating End-of-Life: Compassionate Guidance with Jean Oswald | In this incredibly important episode of the Pennywise Financial Podcast, host Constantine J. Kitrinos sits down with Jean Oswald, the owner of Compassionate Consulting in Rochester, NY. End-of-life planning and navigating difficult healthcare decisions can feel like an overwhelming whirlwind for families. That's where Jean steps in. With years of experience as a Registered Nurse and an extensive background in guiding families through these challenging times, Jean offers invaluable insights and a truly compassionate perspective. Join us as Jean shares her wealth of knowledge, providing practical resources and helping us understand how to comprehend complex medical terminology in the context of our specific situations. This episode is a must-listen for anyone facing end-of-life decisions, whether for themselves or a loved one. Jean's empathetic approach and deep understanding make this a truly illuminating and supportive conversation. Key Takeaways: Understanding the complexities of end-of-life planning. Insights from an experienced RN on navigating difficult healthcare decisions. Resources and strategies for families dealing with hospice and other end-of-life care. Tips for comprehending medical terminology and its impact on your unique situation. About Our Guest: Jean Oswald is the owner of Compassionate Consulting in Rochester, NY, dedicated to helping families with end-of-life planning and making informed, difficult decisions with empathy and clarity. Connect with Jean through the various options below Website: https://compassionateconsulting.com/ Text: 585-454-9679 Email: compassionateconsulting@gmail.com Newsletter Signup: https://bit.ly/3VQeMem Book: https://a.co/d/3J5UwSr To set up a free "tell me what's going on" Zoom call: https://bit.ly/3M7qiOc To follow on Social Media: https://www.facebook.com/CompassionateConsulting/ and https://www.instagram.com/compassionateconsulting/ #EndofLifePlanning #HospiceCare #FamilySupport #MedicalDecisions #CompassionateConsulting #RegisteredNurse #FinancialPodcast #ConstantineJKitrinos #JeanOswald #HealthcarePlanning #RochesterNY #Podcast #FinancialLiteracy

Are the new tariffs shaking up your investment strategy? Wondering how the current administration's policies will affect your portfolio? On this episode of Pennywise Financial, broadcasting from Brighton, we address these critical questions head-on. We analyze the radical changes in tariff policy and provide a clear framework for understanding their impact. We'll also take a look back at moments in time that felt like the absolute peak of uncertainty, offering valuable perspective for today's market. Tune in to gain clarity and control over your financial future. #tariffs #investing #personalfinance #economy #marketnews #biden #pennywisefinancial #brightonny #financialplanning #investmentstrategy Subscribe for more financial insights! Reach out with questions or to schedule a meeting 👇 https://www.monarchwealthmanagement.com/constantine

In today's abridged podcast episode, I cut through the financial jargon and deliver a concise breakdown of what's happening in the stock market right now. Recorded live from Brighton, NY, on this beautiful Thursday, April 3rd, 2025, this isn't your typical doom-and-gloom news report. Instead, I'm focusing on providing you with the clear, actionable insights you need to navigate the current landscape with confidence. I briefly touch on the following: The Key Market Movers: What were the significant economic indicators, earnings reports, or global events that shaped the market today? I'll give you the highlights without overwhelming you with unnecessary details. Understanding the Volatility: Let's face it, the market can feel like a rollercoaster. We'll discuss the factors contributing to any recent ups and downs and put them into perspective. Your Portfolio Strategy: More importantly, we'll talk about you. How might these market shifts impact your long-term financial goals? I'll offer my expert perspective on staying the course and making informed decisions. The Golden Rule: Ignore the Noise! In today's hyper-connected world, it's easy to get caught up in sensational headlines and fearmongering. This episode is your essential reminder to tune out the short-term distractions and focus on your personalized financial plan. Whether you're a seasoned investor or just starting your wealth-building journey, this quick update is designed to empower you with knowledge and help you maintain a calm and rational approach to your finances. Don't let the daily headlines derail your long-term success! Tune in now to get your dose of financial clarity and stay on track to achieving your goals. #StockMarketUpdate #FinancialAdvice #WealthManagement #Investing #Podcast #FinancePodcast #IgnoreTheNoise #LongTermInvesting #FinancialPlanning #WealthAdvisor #FinancialConsultant #BrightonNY #MarketAnalysis #MoneyTips #InvestmentStrategy The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license

A Conversation with Charles Forte Jr., MBA This week on Pennywise Financial, we're thrilled to welcome Charlie, a 2023 addition to our team as a financial advisor and investment manager who brings a wealth of experience and a truly inspiring story. He isn't just a seasoned individual with an extensive career in corporate finance, he brings an extensive background working with endowments and charitable organizations – he's also a testament to overcoming challenges. We'll be having a heartfelt conversation about his journey, including his visual impairment and the unwavering faith, work ethic, and dedication that have fueled his success. Dive deep with us as Charlie shares his insights on the ever-evolving financial landscape. We'll explore concepts like the efficient frontier, investment modeling, and strategic asset allocation, while also discussing how access to diverse asset classes has become more accessible than ever before. This episode is a must-listen for anyone seeking inspiration and practical financial knowledge! Tune in to learn more about Charlie and all he has to bring to the table. #stockmarket #investing #stocks #election #economy #disability #dedication The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license

Happy (slightly belated) Valentine's Day! In this special Pennywise episode, we dive headfirst into the red-hot stock market of 2024. Is it love at first sight, or a bubble waiting to burst? We explore the year-to-date gains fueled by a healthy economy, but reveal the hidden singles - sectors that haven't found their groove yet. Plus, we expose the overhyped Romeos - crowded trades headed for a reality check. Don't miss this episode for savvy investment tips that'll keep your portfolio healthy - no heartbreak guaranteed! Tune in and learn: How to navigate a booming market with caution. Which sectors are the true darlings of 2024 (so far). Why some areas are still on the dating app, waiting for a match. How to identify overvalued trades before they get messy. This episode is your financial cupid - swipe right for smart investing! #stockmarket #investing #stocks #election #economy The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠

Rethinking Legacy - The Child-Free Journey with Dr. Jay Zigmont Host: Constantine J Kitrinos, CPFA | Managing Partner | Wealth Advisor Guest: Dr. Jay Zigmont, MBA, CFP | Found & CEO Guest Website: https://childfreewealth.com This episode of Pennywise Financial tackles a topic that's as personal as it gets: financial planning for a child-free life. Our guest is Dr. Jay Zigmont, the mastermind behind ChildfreeWealth.com, and together we delve into a world where the traditional goals of wealth preservation and inheritance shift dramatically. For some, the decision to be child-free is a deeply personal one, driven by various factors. Whether it's due to biological limitations, a desire for a different lifestyle, or a focus on alternative aspirations, Dr. Zigmont's approach to financial planning flips the script. His clients prioritize living life to the fullest, maximizing spending and charitable giving throughout their lifetime, rather than leaving a massive nest egg for unseen heirs. As your host, this episode pushed my own boundaries. My journey to parenthood wasn't easy, and grappling with a completely different perspective on legacy was a challenge. But the conversation is honest, thought-provoking, and ultimately, incredibly valuable. Join us as we explore: The unique financial needs and goals of the child-free population. How Dr. Zigmont's strategies differ from traditional financial planning. The emotional complexities surrounding legacy and wealth transfer. Redefining what it means to live a fulfilling and financially secure life. This episode might be controversial, but it's guaranteed to spark conversation and open your mind to new possibilities. Tune in and discover the power of planning for the life you choose to live, with or without children. #childfree #financialplanning #retirementincome #legacy #charitablegiving #consulting #retirement #longtermcare The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠

Feeling overwhelmed by FINCEN, tax deadlines, and the ever-changing world of tax law? ‍ Don't worry, we've got your back (and your deductions)! This episode, we're joined by local Rochester, NY tax guru, Dave Young, CPA from Young & Company. Dave's not just your average number cruncher - he's a wealth of knowledge when it comes to navigating the tax maze for individuals and businesses alike and a pretty interesting guy to chat with. In this episode, you'll learn: FINCEN filing updates: What you need to know and how it might impact you. Tax deadline lowdown: Don't miss out! Get the latest on filing deadlines and extensions. Business owner tax strategies: Discover smart tips and tricks to maximize your deductions and minimize your tax burden. War stories and beyond: Dave shares inspiring insights from his time serving in the war and his passion for giving back through charitable ventures. Whether you're a seasoned tax pro or just starting out, this episode is packed with valuable information and down-to-earth advice. Plus, you'll get a glimpse into the heart and mind of a truly remarkable individual. Watch now and Subscribe for more financial wisdom! Leave a comment below with your biggest tax question and we'll POKE Dave for an answer ❓ Share this video with your friends and family who could use some tax help! About Dave Young, CPA: Dave Young is the owner of Young & Company CPA's in Rochester, NY. He's a dedicated tax professional with a passion for helping individuals and businesses achieve their financial goals. Beyond his expertise, Dave is a true community leader, actively involved in charitable endeavors and veterans' support groups. Don't miss out on this insightful and inspiring episode! Hit that play button now! ▶️ Host: ⁠⁠⁠⁠⁠Constantine J Kitrinos, CPFA Co-Host: ⁠David T Georgiev, MBA, CKA Guest: Dave Young | Young & Company Website: ⁠⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠⁠ Guest Website: https://youngandcompany.net/ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-... License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠ #PennywisePodcast #TaxTips #RochesterNY #FINCEN #TaxDeadlines #BusinessTaxes #CharitableGiving #VeteransSupport

Ever wondered what it's really like to run a small business? The late nights, the constant hustle, the endless decisions? Today, we pull back the curtain with Joe Yantachka of Partyman Catering. We'll delve into the nitty-gritty of managing finances in a dynamic industry. Joe will share his secret sauce for success, from strategic investments to smart budgeting. But this isn't just about numbers. We'll also explore the heart of entrepreneurship: the passion, the challenges, and the incredible satisfaction of building something from the ground up. Whether you're a seasoned business owner or just daydreaming about launching your own venture, this episode is packed with valuable insights and inspiration. So, grab your notebook, put on your thinking cap, and get ready to learn from a true Pennywise pro. Let's get this party started (financially speaking, of course)! Host: ⁠⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠⁠ Co-Host: ⁠David T Georgiev, MBA, CKA ⁠⁠⁠ Guest: Joseph Yantachka III - Owner, Partyman Catering, Inc. Website: ⁠⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠⁠ Guest Website: ⁠https://www.partymancatering.com⁠ Guest Email: info@partymancatering.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: ⁠https://filmmusic.io/song/11209-back-...⁠ License (CC BY 4.0): ⁠https://filmmusic.io/standard-license⁠

Feeling financially lost when it comes to your health? This episode of Pennywise Financial is here to guide you towards smarter spending in the physical therapy world. Join me as I chat with Beth Perry, co-owner of Wellness 360, a unique fitness center prioritizing personalized care and affordability. Forget cookie-cutter gyms! Beth and her team are shaking things up by offering: Personalized one-on-one care: Ditch the crowds and get a program tailored to your specific needs and goals. Convenience: No more juggling schedules – their flexible options fit seamlessly into your busy life. Specialized group classes: Parkinson's, osteoporosis, balance, boxing... they have something for everyone, regardless of their limitations. Caregiver support groups: Find community and resources while supporting your loved ones' health journey. But it's not just about the services. Beth and her team are what truly sets Wellness 360 apart. They're motivated, and focused, and treat everyone with the utmost respect and dignity. Listen in to discover: 1. How Beth built a fitness center that caters to individual needs and budgets. 2. The surprising ways personalized care can be more affordable than generic gym memberships. 3. How to find fitness solutions that fit your lifestyle, not the other way around. 4. The heartwarming story of their caregiver support group and its impact on the community. This episode is for anyone who: Wants to improve their health but feels overwhelmed by traditional fitness options. Seeks personalized care and attention without breaking the bank. Believes in the power of community and support when it comes to achieving health goals. Ready to find your perfect fitness fit? Tune in to the Pennywise Podcast and see how Wellness 360 can help you reach your goals, both physically and financially. Let's spread the word about smart spending and healthy living together. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Beth Parry, PTA, LMT, Co-Owner | Wellness360 Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://www.wellness360fitness.com/ Guest Email: info@wellness360fitness.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

We're well into the new year and we look back on some of the most popular holiday gifts purchased as well as some of the ones under our tree. My guest is Sebastian Alexander Kitrinos and he was proud to talk about some of our favorite past times as well as the benefits and drawbacks of technology. Bash talks about the frustration he has sometimes when trying to reach his goals and how sometimes even the best planning requires you to make changes. It's always a pleasure to have the kid on and mix a little quality time with some business. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Sebastian Alexander Kitrinos Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license Music: Holiday Shimmer And Shine by Justin Allan Arnold Free download: https://filmmusic.io/song/11597-holiday-shimmer-and-shine Licensed under CC BY 4.0: https://filmmusic.io/standard-license

Daylight is scarce, shopping is rampant, and people are out and about this holiday season to close the year on a high note. Besides all the family and fun, it's also a good time for people to take a look back on the year and reflect. Constantine looks back at the price of goods and services and talks about the sectors of the market that have gone up throughout the year and those that have been challenged. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The link mentioned in this episode with information on how and where to go to freeze your credit https://bit.ly/KeepItSafeHolidays2023 The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license Music: Holiday Shimmer And Shine by Justin Allan Arnold Free download: https://filmmusic.io/song/11597-holiday-shimmer-and-shine Licensed under CC BY 4.0: https://filmmusic.io/standard-license

Having your financial house in order includes your Estate plan. Estate planning is the PennyWise thing to do. Kevin Johnson, Esq from Klafehn Heise & Johnson, PLLC joins the show to talk about helping clients and some of the biggest misconceptions people have about our judicial system. Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Kevin Johnson, ESQ | Klafehn Heise & Johnson, PLLC - Attorneys at Law Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.khjlaw.com Guest Email: reception@khjlaw.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

The real estate market is pretty rough for any buyer right now with a ton of obstacles making the process a little less than fun. Greg from The GC Homes Team at RemaxPlus tells us how he's helping clients navigate this tumultuous market. Headaches no more with the way Greg works with his clients and buyers. We talk economy, rates, inflation, the process, buying & selling homes, flipping, wholesale and other real estate investing topics. #realestate #investing #homebuyers #homebuying #mortgage #interestrates #inflation #sellingmyhome #buyingahome #realtor Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Greg Castirchini | Associate Real Estate Broker | The GC Homes Team Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.thegchomesteam.com Guest Email: GREGG@THEGCHOMESTEAM.COM The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Finding the right place to call home is a really tough one. For many it's a struggle because it feels like you're giving up control and sacrificing independence. That's where Holly Crocker comes in and makes the whole process better. She works with the family every step of the way to make sure you're doing the right thing. #seniorliving #seniorcommunity #seniorhousing #senioradvocate #seniorliving #seniorcitizens Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Holly Crocker | Senior Living Advisor Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.oasissenioradvisors.com/rochester/ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Liz from the Liz Harley Allstate Agency in Victor joins the show to talk about the things you already know, the things you think you know, and the things you should know. We're all facing the rising cost of living but saving a few pennies to pay many, many dollars down the road never adds up. She brings years of experience and many stories to the show. Hopefully, you learn a thing or two or brush up on some things you used to know. We have some laughs with Liz but the value she brings to our clients and followers gives us even more to smile about. #insurance #protection #automobile #home #allstate #insuranceagent #financialtips #insurancetips Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Liz Harley | Liz Harley Allstate Agency Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://bit.ly/TalkToLiz The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Today, we chat with Frank DeSantis, owner and operator of Salvatore's Barber Shop in Chili, New York. Being in a barber shop exposes you to conversations between other business owners, CEOs, and white and blue-collar employees. What a great way to get some insight into the general public's spending habits and measure the perception of the health of the economy. Frank doesn't hold back any punches and talks about how he reaches a state of Zen. #Economy #spending #money #PennyWiseFinancial #Podcast #barber #barbershop #barbershoptalk Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Frank DeSantis Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: https://chilibarbershop.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

This episode focuses on one specific topic all of us will be faced with in retirement, healthcare. Our discussion with a local expert helps us know more about the process and understand how complicated your choices can be when trying to tackle this on your own. We've all heard of Medicare and might understand some of the basics, but today's guest helps us uncover the things you may not know. Brenda Foster from the Medicare Marketplace is our guest and she delivers timely information for retirees needing to make their annual elections during the open enrollment period this year between October 15th - December 7th. It's happening and the time is now! Get the help you deserve and reach out to Brenda to educate yourself and make the best choice for your healthcare in retirement. #Medicare #Retire #Healthcare #Medigap #OpenEnrollment #PennyWiseFinancial #Podcast #Consultant Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Brenda Foster Co-Host: David T Georgiev, MBA, CKA Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ Guest Website: www.themedicaremarketplace.com The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

A best-selling author, speaker, mentor, and coach gives us his story on overcoming debt and how he mentors others to do the same and much more. Marcus Garrett joins us to share some personal life experiences on how he got started with his coaching, guidance, and debt elimination programs. He is passionate about what he does and takes a different approach to just one simple process to reach success. This was a great conversation to discuss his journey and should inspire others as well. #LongTermApproach #BetterOutcomes #Invest #Grow #Protect #Debt #Plan #MarketOutlook #MarketTrends #Recession #Evolving #Economy #Stocks #Bonds #InterestRates #Energy #PennyWiseFinancial #Podcast #DebtFree Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Guest: Marcus Garrett | www.themarcusgarrett.com Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

We were graced by the presence of Andrew White, hailing from Philadelphia. He has been at Vanguard for over a decade and brings some good dialogue to the table. He shares his first experience with a Garbage Plate and the market outlook, the fed, interest rates, and positioning. Are we in a recession? Does it make sense to jump ship out of stocks and hide in cash? He shares insight from his research team and references studies done by Vanguard about the power and impact a trusted advisor can have on an individual's financial plan. Andrew points out the difference between cost and value. Focus on the wrong thing, and you could be missing out. Tune in and subscribe to hear this and more. #LongTermApproach #BetterOutcomes #Invest #Grow #Protect #Election #MarketOutlook #MarketTrends #Recession #Vanguard #AndrewWhite #EverChanging #Evolving #Economy #Stocks #Bonds #InterestRates #Energy #PennyWiseFinancial #Podcast Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Co-Host: David T Georgiev, MBA, CKA Guest: Andrew White | Vanguard Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Budgeting has never been more important than right now for many Americans across the nation. Inflation is crushing folks living on a fixed income and forcing us all to take inventory of our spending, habits and figuring out what our needs versus our wants. Today we chat with Sebastian and hear what's important from the perspective of a first grader. You'll hear everything from how he would spend his income to the things that matter most to him. Topics were made up by him on the spot. He begged to be on the show and enjoys coming on and helping "Dad" educate and guiding clients to financial independence and happier lives. Tune in and subscribe to hear this and more. #INCOME #BUDGETING #FINANCIALPLAN #INCOMENEEDS #SPENDING #EDUCATION #FINANCIALWELLNESS #CONSULTING #PASSIVEINCOME #CASHFLOW #SAVE #INVEST #GROW Host: ⁠⁠⁠⁠Constantine J Kitrinos, CPFA ⁠⁠ ⁠⁠ Co-Host: Sebastian Alexander Kitrinos Website: ⁠⁠⁠⁠www.monarchwealthmanagement.com⁠⁠⁠⁠ The following music was used for this media project: Music: Back Roads In The Afternoon by Justin Allan ArnoldFree download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

It's been about 20 years since I've been in the ring but I hopped back in with the chance to spar with Rocky. Today's guest is Rocky Lalvani from Profit Comes First and he gives us a glimpse into how he helps small business owners understand, develop and maximize the most important part of their business - PROFIT! If you're a small business owner looking to do the same, his contact information can be found below. Tune in and subscribe to hear this and more. #profit #smallbusiness #selfemployed #business #maximizepotential #consulting Host: ⁠⁠Constantine J Kitrinos, CPFA  ⁠⁠ Website: ⁠⁠www.monarchwealthmanagement.com⁠⁠ Guest: ⁠Rocky Lalvani Website: ⁠www.profitcomesfirst.com The following music was used for this media project: On Hold For You by Kevin MacLeod Link: ⁠⁠https://incompetech.filmmusic.io/song/6928-on-hold-for-you⁠⁠ License: ⁠⁠https://filmmusic.io/standard-license Music: Spirit Of Achievement [Full version] by MusicLFiles Free download: https://filmmusic.io/song/11216-spirit-of-achievement-full-version License (CC BY 4.0): https://filmmusic.io/standard-license Music: Back Roads In The Afternoon by Justin Allan Arnold Free download: https://filmmusic.io/song/11209-back-roads-in-the-afternoon License (CC BY 4.0): https://filmmusic.io/standard-license

Mid-Term elections are over, CPI numbers are in and the overall market is responding. Boring is out and "tech" is back in, for today that is. Fall is over and the winter is moving into the northeast. That means higher heating bills and utilities in the coming months. We continue to fight off inflation and the fed and look for opportunities to invest. Are the cryptocurrencies set up for a big turnaround or is this when the nail gets hammered into the coffin? Trouble is knocking on the door of cryptos, miners, and wallets across the globe. Hear Constantine's view on the economy in the coming months and the difference between easing off the pedal and slamming on the brakes. People are working, businesses are struggling to fill positions, the unemployed can't find jobs, companies are laying off and unemployment remains at record lows - what gives? The skew can tell a different story. Tune in and subscribe to hear this and more! #bonds #income #interestrates #inflation #economy #unemployment #recession #jobs Host: Constantine J Kitrinos, CPFA Co-Host: Jason T Georgiev Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

The economy is slow, spending is going down and profits are beginning to shrink. Jerome Powell and the Federal Reserve are starting to smile, but is it enough? Smiles can only take you so far. Rates have been going up consistently which is helping to bring down CPI, but at this rate, we're crawling into an inevitable whole called a recession. It's a slow dance which should've been more of a breakdance. You wouldn't want to punish yourself by watching either one of these hosts do any kind of dancing! Constantine and Jay touch on one of the only places that have seen profits this year, some creative income-producing asset classes, and how they measure up and pile on concerns about the economy. You can expect to hear about a record-breaking $1.9B lottery, election results, divided government, Twitter & Elon Musk, and the impacts of the daylight savings changes. Tune in and subscribe to hear this and more! #bonds #income #interestrates #inflation #economy #twitter #ElonMusk #lottery Host: Constantine J Kitrinos, CPFA Co-Host: Jason T Georgiev Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

If you're watching this, you probably have investments on your mind. We help clients with all sorts of needs. Many are referrals, but lately we've been getting more and more people reach out who have no connect to the firm or our clients. They don't know what to ask or what they should be considering when shopping for the right person to help. Here are 4 things that rank high on the list of "should knows" for the person responsible for being a good steward of your assets and your planning. #investing #advice #advisors #consulting #stockmarket #finance financial

😂 Have a safe and Happy Halloween trick or treating or whatever fun things you do with your family and friends. #Halloween #TrickorTreat

Attention Business Owners - You have tons of obligations and it's your responsibility to explore retirement benefits for your staff, key employees and yourself. As the owner you should know what options are available and know that many are stackable. #IRA #401K #RETIREMENT #BENEFITS

You may have investment and insurance accounts already set up and think you can't do more, think again! You're NOT capped on the number of accounts you're allowed to have. There are limits on certain things you can do with accounts, but there's not a limit on how many you can own. #benefits #retirement #401k #ira #rothira #lifeinsurance

Working for a company that offers benefits is great; owning your own business can be much, much better. That's right, you call all the shots, make your own schedule, set your own goals, and create a brand for yourself. It's all glitz and glam, but it doesn't come for those without the heart and dedication to make it work. A big difference between being the employer versus being the employee is the benefits package. Not all business owners know the best health plans to consider, understand life insurance, or even what retirement plan they should be considering. Some of the benefits are stackable. Yes, you can couple different plans to maximize tax deductions and savings for your retirement. Let's NOT forget about your old retirement plans and what to do with those as well. Interest rates, war, recession, fear, mid-term election, inflation, supply chain issues and a boat load of other concerns that are leaving many in panic mode. We look at things you can do right now to protect principal or reduce risk. Consider losing less than the market a win to be celebrated. Tune in and subscribe to hear this and more! #insurance #war #ukraine #finance #inflation #currentevents #bonds #fixedincome #interestrates Host: Constantine J Kitrinos, CPFA Co-Host: Jason T Georgiev Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Register here 👉 https://bit.ly/2022nocinoregistration Today's episode features the one and only David Georgiev! Joining us for the last episode in September, David gives some great insight to the current landscape of the market and how to endure what is going on. The guys also stress the importance of not acting or investing emotionally. We discuss many things from #hurricaneian to insurance and much more - you never know what you're going to get when David joins! Sam, Constantine, and David chat about #investing, #marketloss, #insurance, #finance, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA Co-Host: Sam Gueli Guest Host: David Georgiev Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Register here 👉 https://bit.ly/2022nocinoregistration Today's episode features the one and only David Georgiev! Joining us for the last episode in September, David gives some great insight to the current landscape of the market and how to endure what is going on. The guys also stress the importance of not acting or investing emotionally. We discuss many things from #hurricaneian to insurance and much more - you never know what you're going to get when David joins! Sam, Constantine, and David chat about #investing, #marketloss, #insurance, #finance, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA Co-Host: Sam Gueli Guest Host: David Georgiev Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Register for our 2022 Market Update - https://go.oncehub.com/Nocino2022 When: Fri Oct 14th 11:30 - 1pm Where: Nocino - Eastview Mall, Rochester Discussing the concerning trajectory of the stock market, we give insight to what is going on and what the future may hold. Also, we get into international stocks and if they are a reasonable bet. It's also national life insurance awareness month! What does that mean to you? Tune in to find out! Sam and Constantine chat about #internationalstocks, #marketloss, #lifeinsurance, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA CoHost: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Register for our 2022 Market Update - https://go.oncehub.com/Nocino2022 When: Fri Oct 14th 11:30 - 1pm Where: Nocino - Eastview Mall, Rochester Are you finally debt free and wondering what your next steps are? It can be overwhelming, but don't worry! We'll help you understand exactly how you should go about investing when you're ready to. We also discuss how life insurance can be thought of as a long term investment, and student loans and debt forgiveness! Sam and Constantine chat about #debt, #marketpullback, #studentloans, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA CoHost: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Thinking about working with an advisor but don't think you have enough assets? Believe us, we understand. But there are so many options you have even with a limited budget that only stand to benefit YOU. We discuss some examples of how we can help different types of investors reach individual goals. Also, the market looks promising, as we talk about some statistics that suggest a rebound in the economy. Sam and Constantine chat about #marketrebound, #money, #budgeting, #investing, #inflation, and #currentevents among other things relevant to the market. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA CoHost: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Today's episode features the one and only Marcus Kroll from Kroll Law Firm! Join us as we discuss with Marcus why it's a great idea to work with an attorney and get all your loose ends straightened out. Marcus gives advice on how to take care of your money, great tax help, and plenty of other valuable tips. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA Co-host: Sam Gueli Guest: Marcus Kroll, Esq Guest Website: https://www.kroll-lawoffice.com/ Website: https://www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Looking to change jobs? You have questions, we have answers. If you're thinking about making a change and you're unsure of what to expect, don't worry! We'll walk you through everything from your 401(k) to life insurance. Also, we discuss many ways to save money including some newer age tactics such as budgeting apps. Sam and Constantine chat about #careerchange, #jobmarkets, #budgeting, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA CoHost: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Kids, sports, allowance, and lunch money. You know - all the essential things to a 5 and 9-year-old. Talking to kids about finance, their understanding of what things cost, and what retirement means in their own words. Constantine invites his son Sebastian and his niece Adriana to talk "finance" and help kids and young adults learn more. This episode focuses on #college, #investing, #inflation, and #scaryvoices in today's financial markets. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA Guest Host: Sebastian Alexander Kitrinos, Class Mayor and "Kid Boss" Guest Host: Adriana Marie Gianvecchio, Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Have you been paying attention to the stock market lately? Finally, some green numbers! We discuss the market and its current outlook, and why we're feeling more optimistic. Also, we dive into saving for college, including 529 plans, and current events impacting our daily lives such as inflation. Sam and Constantine chat about #marketgains, #college, #investing, #inflation, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA Co-Host: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Have you ever thought about working with a financial advisor? When it comes to setting and achieving realistic goals, we're here to help you make the best decisions for YOU. We discuss the benefits of trusting a professional when it comes to investing. Also, we talk about Elon Musk and Twitter, inflation, gas prices, and the economy in general. Sam and Constantine chat about #financialadvisors, #twitter, #investing, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more! Host: Constantine J Kitrinos, CPFA Co-Host: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

Are you nervous about your investments right now? We know it's easy to look at the recent market declines and start to worry. But in this episode, we'll tell you all about annual returns and intra-year declines and why you should be looking forward to the next six months, as investors are still confident about the stock market. Also, we discuss how a bull market can return soon and why a bear market is not as scary as you may think. Sam and Constantine chat about #bearmarkets, #bullmarkets, #investing, and #currentevents among other things relevant to the market right now. Tune in and subscribe to hear this and more. Host: Constantine J Kitrinos, CPFA Co-Host: Sam Gueli Website: www.monarchwealthmanagement.com Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license

PennyWise Financial Podcast is a literacy segment designed to provide knowledge and education on all things financial. Advisors from the firm, Monarch Wealth Management, LLC provide tips, insight and introduce strategies from a diverse background of topics. Show Contributions by clients, business owners, and colleagues. Partners: Constantine J Kitrinos and David T Georgiev Advisors: Diana C Lougen and Mark R Ziemba II Operations Manager: Jason Georgiev Operations Support: Sam Gueli www.monarchwealthmanagement.com

🎧 Latest Episode of PennyWise Financial Podcast. Listen here - https://bit.ly/PENNYWISE-EP22-2021 Host: Constantine Kitrinos, CPFA Co-Host: Jason Georgiev Podcast Home: https://lnkd.in/eFvXjBP Website Link: https://www.monarchwealthmanagement.com #ROC #SYRACUSE #BUFFALO #PennyWiseFinancial #Podcast #Retirement #401k #403b #457Plan #invest We celebrate a special birthday for our very own Jason Georgiev | Branch Operations Manager and so, so much more! Topics for discussion include inflation, Retirement Plan help, when to sell or buy stocks, and how much is enough. Know when to hold 'em and when to fold 'em. Credit below for music used in commercials intros/outros etc. Intro Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show License: https://filmmusic.io/standard-license Commercials Grand Dark Waltz Allegretto by Kevin MacLeod Link: https://filmmusic.io/song/7920-grand-dark-waltz-allegretto License: https://filmmusic.io/standard-license Valse Gymnopedie by Kevin MacLeod Link: https://filmmusic.io/song/7928-valse-gymnopedie License: https://filmmusic.io/standard-license Disclosure On Hold For You by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/6928-on-hold-for-you License: https://filmmusic.io/standard-license Credit below for artwork used to design Podcast Billboard Photo by krakenimages on Unsplash