Dollar Wise Podcast
By HFM Investment Advisors, LLC
Categories: Business, Investing, Management
The HFM Advisor Team shares our experiences working everyday with clients going through life’s transitions. We provide some insights into the personal finance topics of the day and even share the mic with guests from our network of outside professionals. We love what we do and who we do it for, so we hope you enjoy getting to know us and learning some things along the way!
82 episodes indexed on PodSearch.
Recent episodes
- Should You Pay Off Your Mortgage Early?
Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt, CFP®, and Brett Herron, CFP®, explore a question they regularly hear from clients: should I pay off my mortgage early? Andrew and Brett discuss how to weigh the peace of mind of being mortgage-free against other…
- Rewrite Your Money Story: Understanding Your Financial Personality
Welcome back to the Dollar Wise Podcast. In this episode, Catherine Allen-Carlozo, CFP®, RICP®, RSSA®, shares ideas from her book, The Money Stories That Shaped Us: Awareness, Action, and the Story You Get to Choose Next. Catherine explains how emotions, identity, childhood experiences, and…
- Roth Conversions: When (and When Not) to Convert
Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt, CFP, and Brett Herron, CFP, take a deep dive into Roth conversions — what they are, why so many pre-retirees and retirees are asking about them, and when they do (and don't) make sense. Andrew and Brett walk through the…
- Tax Planning in Retirement: Tips to Avoid Costly Income Traps
Welcome back to the Dollar Wise Podcast. In this episode, Brett Herron and Andrew Barnhart discuss why tax planning is one of the most important—and often overlooked—aspects of retirement planning. While investment performance will always be influenced by market conditions, retirees have more…
- Life & Disability Insurance Planning with Taylor West
In this episode of the Dollar Wise Podcast, host Andrew Barnhart is joined by Taylor West from LLIS to discuss the fundamentals of life insurance and disability insurance planning. They break down why insurance matters as part of a broader financial plan, when coverage is most important, and how…
- Do You Have a Plan for Long-Term Care? Here’s What You Need to Know
In this episode of the Dollar Wise Podcast, host Andrew Barnhardt sits down with Taylor West from LLIS to unpack the essentials of long-term care (LTC) planning. They explore why planning for long-term care is more important than ever, the different ways to cover potential costs, and how various…
- Investing in Longevity: How Personalized Care is Changing Health Planning
Welcome back to the Dollar Wise Podcast. In this episode, HFM advisor Catherine Allen-Carlozo sits down with Dr. Claudine De Dan, an MDVIP-affiliated physician whose personalized, preventative care model is reshaping how patients approach aging and long-term health. Dr. De Dan shares why building…
- 401(k) Fundamentals: What You Need to Know
Welcome back to the Dollar Wise Podcast. In this episode, Brett Herron, CFP® is joined by Valentina Lucchetti-Gallo, HFM’s Marketing & Events Coordinator, for a candid Q&A on one of the most frequently asked-about financial tools: the 401(k). Brett addresses common questions about contributions…
- Building Wealth for Kids: Accounts Every Parent Should Know
Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt and Brett Herron explore various strategies for saving for children’s futures — whether it's for education, retirement, or general financial support. They break down the pros and cons of different account types, including…
- Tax Talk: Standard vs. Itemized: What You Need to Know
Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt CFP® and Brett Herron CFP® break down the topic of below-the-line tax deductions, offering practical explanations and examples to help listeners understand how these deductions work. They discuss the difference between…
- Tax Talk: Above-the-Line Deductions Explained
Welcome back to the Dollar Wise Podcast. In this episode, Andrew Barnhardt and Brett Herron of HFM Advisors dive into the world of above-the-line tax deductions. These often-overlooked deductions can reduce your adjusted gross income and improve your eligibility for other tax benefits. From…
- From Worry to Wealth: How to Measure Financial Progress
Welcome back to the Dollar Wise Podcast. In this solo episode, Certified Financial Planner Catherine Allen-Carlozo explores a mindset shift that can help transform financial anxiety into confidence. Drawing inspiration from the book The Gap and The Gain by Dan Sullivan and Dr. Benjamin Hardy…
- Smart Strategies for Charitable Giving and Tax Savings
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli, CFP, is joined by Andrew Barhardt, CFP, to explore how charitable contributions can be optimized for tax efficiency. They discuss practical strategies such as donor-advised funds, gifting appreciated stock, and estate…
- What Happens to Your Travel Points When You Die?
Welcome back to the Dollar Wise Podcast. In this episode, Catherine Allen-Carlozo and Tyler Reedman dive into an unconventional yet valuable topic: what happens to your travel rewards—points, miles, and loyalty perks—when you pass away? Prompted by a real client experience, the discussion unpacks…
- From Saver to Spender: How to Enjoy Your Money in Retirement Without Fear
Welcome back to the Dollar Wise Podcast! In this episode, Catherine Allen-Carlozo, a Certified Financial Planner at HFM Investment Advisors, explores the transition from being a saver to a spender in retirement. Many retirees struggle with the fear of spending their savings, worrying about…
- Lessons from a Banner Year: How 2024 Shaped the Investment Landscape
Welcome back to the Dollar Wise Podcast! In this episode, Jason takes a deep dive into the key financial events of 2024. From understanding the S&P 500's stellar 25% performance to exploring the nuances of inflation, unemployment, and GDP growth, Jason provides a comprehensive reflection on a…
- Are Multi-Year Guaranteed Annuities a Smart Choice in a Rising Rate Market?
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli, a certified financial planner at HFM Investment Advisors, discusses the increasing interest in multi-year guaranteed annuities as interest rates rise. With more clients and insurance agents inquiring about these products…
- Election Concerns and Investing... Mix at Your Own Risk
Welcome to this episode of the Dollar Wise Podcast. In this episode, Jason Gabrieli discusses the growing concern around election outcomes and their potential impact on investments. With the media heightening fear and uncertainty, Jason offers insight into why emotions can mislead investors and…
- How to Save Taxes While Making an Impact
Welcome back to the Dollar Wise Podcast. Jason Gabrieli is joined by Andrew Barnhardt from the HFM team as they explore tax strategies related to charitable giving, focusing on the benefits of Qualified Charitable Distributions (QCDs) from IRAs. The discussion covers how changes in the tax code…
- Beyond the Will, How to Make A Difficult Time Easier on Those Left Behind
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli is joined by Brittany Tedesco from Bratton Law Group to discuss the essential steps and considerations when dealing with the death of a loved one. The conversation covers the importance of having a will, the difference…
- From Grief to Relief: Saving on Taxes After Saying Goodbye
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and guest Brian Masessa, CPA from Premier Accounting Services, delve into the financial complexities that arise when a loved one passes away. They discuss the essential steps executors must take, the intricacies of probate…
- Smart Not Spoiled: Raising Financially Savvy Kids
In this episode of the Dollar Wise Podcast, host Jason Gabrieli is joined by Chad Willardson, president and founder of Pacific Capital, bestselling author, and co-founder of GravyStack. Chad shares his journey of teaching financial literacy to children, inspired by his experiences as a father of…
- The Key To Retiring Earlier May Not Be Saving More
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and Catherine Allen-Carlozo, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, discuss the most loaded question they encounter: "How much do I need to retire?" This discussion unpacks the factors that influence…
- Don’t Let 5% Savings Accounts Distract You From Investing for the Long Term
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrielli, a certified financial planner, discusses the current trend of keeping money in cash. With high-yield savings accounts offering around 5%, many investors are unsure whether to invest or leave their money in cash. Jason…
- Unlock the True Potential of Your 401(k) Savings
Jason Gabrieli and Tyler Reedman, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, dispel common misconceptions about 401(k) contributions. They dissect the difference between matching the employer’s contribution and maxing out a 401(k). They discuss contribution limits and strategies…
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