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  • The Role of Technology in Personal Finance: Apps, Automation, and AI

    The Role of Technology in Personal Finance: Apps, Automation, and AI
    2025/01/28
    In Episode 6 of Season 2, "The Role of Technology in Personal Finance: Apps, Automation, and AI," we explore how technology is transforming personal finance management. We discuss the evolution of budgeting apps, the rise of investment automation through robo-advisors and micro-investing platforms, and the growing influence of AI in financial planning.

    The first segment highlights how budgeting apps have simplified financial tracking and the potential privacy concerns they bring. In the second segment, we delve into investment platforms, including robo-advisors and micro-investing apps, and the benefits and risks associated with automated investing.

    The final segment focuses on the role of AI in personal finance, from credit monitoring to personalized financial planning. We explore the future possibilities and ethical considerations of AI in managing money. Listeners will gain insights into how to effectively integrate technology into their financial routines while staying aware of potential risks and privacy concerns.

    Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    22 分
  • The Impact of Inflation on Personal Finance and Investments

    The Impact of Inflation on Personal Finance and Investments
    2025/01/14
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    In Episode 5 of Season 2, "The Impact of Inflation on Personal Finance and Investments," we explore the effects of inflation on various aspects of personal finance, from savings to investments. We discuss the causes of inflation and its impact on purchasing power, emphasizing the importance of understanding how inflation can erode the value of money over time.The first segment focuses on the definition of inflation, its causes, and its effects on purchasing power and savings. We explain how inflation affects fixed-income investments and the need to consider it when planning for long-term financial goals.In the second segment, we discuss how inflation influences investments, including the stock market, real estate, and commodities. We highlight strategies for using these assets to protect against inflation and maintain purchasing power.

    In our final segment, we provide actionable strategies for planning and managing inflation risk. We discuss diversification, adjusting savings plans, and the importance of long-term planning to protect against the effects of inflation. Listeners will gain insights into how to effectively incorporate inflation considerations into their financial strategies.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    27 分
  • Real Estate Investing: Opportunities and Risks Beyond the Stock Market

    Real Estate Investing: Opportunities and Risks Beyond the Stock Market
    2024/12/31
    In Episode 4 of Season 2, "Real Estate Investing: Opportunities and Risks Beyond the Stock Market," we explore the role of real estate in wealth-building. We discuss the benefits of real estate investing, such as portfolio diversification, income generation, and tax advantages, highlighting its appeal as a stable and tangible asset.

    The first segment focuses on the benefits, emphasizing how rental properties can provide consistent income and tax benefits that enhance profitability. In the second segment, we delve into the risks and challenges, including market volatility, property management costs, and liquidity concerns. We emphasize the importance of planning for these risks and understanding how economic cycles impact real estate values.

    In our final segment, we offer strategies for successful real estate investing, including thorough market research, financing options, and different investment approaches such as long-term buy-and-hold and short-term flips. We provide actionable insights to help listeners make informed decisions about incorporating real estate into their financial plans.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    28 分
  • The Psychology of Spending: Behavioral Traps and How to Avoid Them

    The Psychology of Spending: Behavioral Traps and How to Avoid Them
    2024/12/17
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.

    Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    In Episode 3 of Season 2, "The Psychology of Spending: Behavioral Traps and How to Avoid Them," we take a deep dive into the emotional and psychological factors influencing spending habits. We explore common behavioral traps like impulse buying, the impact of advertising and social media, and the concept of retail therapy. We discuss how emotions such as FOMO, identity, and self-esteem shape financial decisions and how spending habits can become ingrained through habitual behavior.

    Our first segment outlines these behavioral traps, highlighting the role of emotional triggers and societal pressures in driving spending. In the second segment, we dive into the emotional drivers behind these behaviors, explaining how factors like FOMO and self-esteem influence spending decisions.

    In the final segment, we provide strategies for managing spending habits, such as developing a mindful spending approach, setting financial boundaries, and finding healthier ways to cope with emotions. We conclude by emphasizing the importance of self-awareness in managing finances and invite listeners to reflect on their spending habits and apply the strategies shared in the episode.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

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    26 分
  • Building a Diverse and Resilient Investment Portfolio

    Building a Diverse and Resilient Investment Portfolio
    2024/12/03
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the "what" and "how" of finance but, more importantly, the "why." At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.

    Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    In this podcast episode, Greg explores the fundamental principles of diversification, asset allocation, and effective portfolio management strategies. Segment 1, Understanding Diversification and Asset Allocation, lays the groundwork by defining these concepts and their pivotal role in investment success. We explore the manifold benefits of diversification, from risk reduction to potential for higher returns, and examine the role of various asset classes in constructing a well-diversified portfolio.

    In Segment 2, Investment Options and Risk Management come into focus as we navigate the plethora of investment vehicles available to investors. From individual securities to mutual funds and ETFs, we provide an overview of investment options and discuss risk management techniques essential for navigating dynamic market conditions. Insights into assessing risk tolerance and constructing portfolios tailored to individual goals empower listeners to navigate the investment landscape with confidence.

    In Portfolio Rebalancing Strategies, we take a look at ways to maintain a resilient investment portfolio over time, and explore the importance of periodic reviews and rebalancing, and offer practical tips for realigning asset allocations with target objectives and risk preferences. Through disciplined rebalancing strategies, listeners learn to mitigate portfolio drift and optimize long-term investment performance.

    Towards the end of the episode, Greg underscores the importance of monitoring and adjusting portfolios in response to changing market dynamics and personal financial goals. We discuss strategies for evaluating portfolio performance, assessing risks, and making informed decisions about portfolio adjustments. Empowered with insights into strategic changes to investment allocations, listeners are equipped to navigate evolving market conditions with agility and precision.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    24 分
  • Health and Wealth: Financial Planning for Healthcare Costs

    Health and Wealth: Financial Planning for Healthcare Costs
    2024/11/19
    In Episode 1 of Season 2, "Health and Wealth: Financial Planning for Healthcare Costs," we explore the crucial role that healthcare costs play in financial planning, especially in retirement. We discuss how rising medical expenses and the limitations of Medicare create significant challenges for retirees and how these factors must be accounted for in a comprehensive financial plan.

    In the first segment, we focus on the increasing cost of healthcare, its impact on retirement savings, and strategies for managing out-of-pocket expenses. In the second segment, we discuss tools like Health Savings Accounts (HSAs), long-term care insurance, and self-insurance as methods to prepare for healthcare costs effectively.

    The final segment integrates healthcare planning into broader investment strategies, highlighting how adjusting risk tolerance and diversifying investments can support long-term medical needs. We provide actionable insights for listeners looking to incorporate healthcare planning into their financial strategies.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    25 分
  • Estate Planning and Wealth Transfer

    Estate Planning and Wealth Transfer
    2024/11/05
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the "what" and "how" of finance but, more importantly, the "why." At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.

    Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    In this podcast episode, Greg Wagner guides you on a journey through the intricate landscape of estate planning, unraveling its importance, strategies, and the role of professional guidance. Segment 1, Understanding Estate Planning, lays the foundation by defining estate planning and elucidating its significance for individuals and families. We delve into the multifaceted goals of estate planning, from asset protection to legacy planning, and explore common components such as wills, trusts, and healthcare directives.Moving on to Segment 2, Wealth Transfer Strategies take center stage as Greg navigates strategies for optimizing the transfer of assets to heirs. After a brief overview of wealth transfer techniques, from trusts to gifting strategies, Greg examines some options to minimize taxes and maximize the value of assets passed to future generations.

    Segment 3 touches on tax-efficient strategies for preserving family wealth. Through discussions on estate taxes, gift taxes, and income taxes, listeners gain a deeper understanding of the importance of asset titling, beneficiary designations, and estate liquidity planning in optimizing wealth transfer efficiency. Real-life examples underscore the transformative impact of proper estate planning on preserving family legacies and minimizing tax burdens.

    Finally, in Segment 4 we underscore the Importance of Professional Guidance in estate planning endeavor, highlighting the benefits of collaborating with estate planning attorneys, tax advisors, and financial planners. A multidisciplinary approach in developing comprehensive estate plans is emphasized, with practical tips for selecting qualified professionals and fostering effective collaboration to ensure that listeners are empowered to dive into the complexities of estate planning with confidence and clarity.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    21 分
  • Purchasing a Home: A Guide to Navigating the Journey of Homeownership

    Purchasing a Home: A Guide to Navigating the Journey of Homeownership
    2024/10/22
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    In this episode, Greg Wagner is joined by licensed real estate agent Stephen Cass to take listeners through the exciting and sometimes overwhelming journey of purchasing a home. They begin by discussing the importance of financial preparation, from assessing your budget to saving for a down payment and being ready for closing costs. For first-time buyers, understanding these key steps can make the process smoother and prevent surprises down the road.

    The discussion then shifts to mortgage options. Greg and Stephen break down the differences between fixed-rate and adjustable-rate mortgages, the benefits of getting pre-approved, and how to choose the right lender. These insights are crucial for homebuyers looking to secure the best deal and position themselves competitively in today’s market.

    Once listeners have their financials and mortgage options sorted, the focus turns to finding the perfect home. Greg and Stephen emphasize the importance of creating a list of must-haves versus nice-to-haves, researching neighborhoods, and working with a real estate agent who can provide local market expertise. These tips help ensure buyers make informed decisions that align with their long-term goals.

    After finding the right home, the episode covers making a competitive offer and navigating the closing process. From negotiating terms to conducting inspections and appraisals, Greg and Stephen highlight the key moments that can make or break a deal. By being prepared, buyers can avoid common pitfalls and enjoy a smoother closing experience.

    Finally, the episode wraps up with essential tips for first-time homebuyers, reminding listeners not to rush the process, stick to their budget, and think long-term about their future needs. Greg also stresses the importance of asking for help and utilizing the resources available, including real estate agents and financial advisors.

    Whether you’re buying your first home or adding to your property portfolio, this episode offers valuable insights into the entire home-buying journey.

    Greg Wagner is a Registered Representative with American Portfolios Financial Services, Inc. (APFS), Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser. APFS and Novem Group are independent and unaffiliated entities. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or American Portfolios Financial Services. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. (AP PMR #34375 5-23-24)
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    37 分