Podcasts/Blogs

Finance Upfront

Welcome to our podcast, Finance Upfront.   Our goal is to provide education and awareness on finances relevant to your life.  Our weekly program will discuss topics such as planning for retirement, buying a home, budgeting, paying off debt, protecting your family, student loans, small business strategies, and more. We will have multiple guests from our professional network on our podcast, and we would be happy to connect you to them!

Send us a message by clicking on Contact Me above! 

This podcast is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, or service.  Any examples used are generic, hypothetical and for illustration purposes only. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. The views and opinions expressed are those of Stephen Napier & Michael Enright may not be representative of the views and opinions of MML Investors Services or its affiliates,  and are set out for informational purposes only.  Investing involves risks.  The value of investments and the income from them may fluctuate in accordance with market conditions and investors may not get back the full amount invested. Both past performance and yields are not a reliable indicator of current and future results.

Stephen Napier is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Member SIPC. Branch address: 200 Clarendon Street, 19th Floor. Boston, MA 02116. 617-585-4500.


Finance Upfront Episode 12 - Predictable Income in Retirement

In this episode of Finance Upfront, we continue our conversation around the topic of retirement planning.  We define the accumulation and distribution phases and discuss some of the financial instruments that are used as part of the retirement planning process.

https://financeupfront.libsyn.com/finance-upfront-episode-12-predictable-income

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Finance Upfront Episode 11 - Trends in the Real Estate Market

In this week’s episode, we talk to John Veneziano, a Real Estate Owner and Broker at REMAX/Andrew Realty about trends in the Real Estate Market.  We will explore the impact of the pandemic on the market – specifically looking at home & property sales, inventory, and the new norm for open houses. 

https://financeupfront.libsyn.com/finance-upfront-episode-11-trends-in-the-real-estate-market

http://zillow.com

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Finance Upfront Episode 10 - Envisioning Retirement

Have you started to dream about retirement?  During this podcast we explore the idea of retirement and discuss some of the conceptual planning that needs to take place.    We also break down the different phases of retirement and talk about the financial aspects of each.

https://financeupfront.libsyn.com/finance-upfront-episode-10-envisioning-retirement

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Finance Upfront Episode 9 - Asset Allocation

Learn about the benefits of asset allocation and how to develop an investment strategy based on your personal risk profile assessment. We will breakdown the different types of investments from conservative to aggressive and share some reasons for ownership of each.

https://financeupfront.libsyn.com/finance-upfront-episode-9-asset-allocation

/files/73659/BWM%20IPS.pdf

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Finance Upfront Episode 8 - 5 Estate Planning Documents

Learn about the different types of legal documents you should have in place and why they are needed.  You might be surprised to find out that if you are 18 or older, you should have 3 of them!  Herb Daroff, an Attorney at Baystate Financial joins us for a discussion to make sense of it all.

https://financeupfront.libsyn.com/finance-upfront-episode-8-5-basic-estate-planning-documents

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Finance Upfront Episode 7 - 5 Reasons to Own Life Insurance

According to the Life Insurance Market Research Association, 28% of consumers understand life insurance materials.  In this podcast, we will dive deeper into permanent life insurance coverage and discuss some of the reasons for ownership.

https://financeupfront.libsyn.com/finance-upfront-episode-7-5-reasons-to-own-life-insurance

https://www.stevenapier.com/learning_center/calculators/life_insurance

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Finance Upfront Episode 6 - Taking Control of Debt 

Americans are significantly in debt which can impact their financial well-being.  In this podcast, we will help our listeners learn how to understand their debt - what is good and bad - and how to develop a plan to pay it off.  We will also touch upon some tips to prevent future pitfalls.

https://financeupfront.libsyn.com/finance-upfront-episode-6-taking-control-of-debt

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Finance Upfront Episode 5 - Protecting your Income and your Life

This podcast provides some education surrounding both Disability and Life Insurance with a focus on the different types of coverage and purpose for each.  As individuals build a financial foundation it is important to recognize and understand how these financial instruments work and how they can be utilized throughout your life.

Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

https://financeupfront.libsyn.com/protecting-your-income-and-your-life

To get an instant quote:

https://coverpath.massmutual.com//?fg=Stephen-Napier-477130

https://coverpath.massmutual.com//?fg=Michael-Enright-581286

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Finance Upfront Episode 4 - Finding Money in the Budget

We continue to encourage our listeners to create a spending plan to track their financial progress.  A spending plan will provide structure and accountability to help you reach your goals & objectives.   In this podcast we will dive deeper into some strategies that we use in our practice to help people find additional money in their spending plan.

http://financeupfront.libsyn.com/episode-4-finding-money-in-the-budget

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Finance Upfront Episode 3 - Small Business Owners and the CARES Act 

Hank Morse, radio personality joins Stephen Napier & Mike Enright for another episode of Finance Upfront to discuss the CARES Act and how it impacts small business owners. Some of the provisions of the CARES Act are covered including PPP, Economic Injury Disaster Loan and what business owners can do to keep their business running.

http://financeupfront.libsyn.com/episode-3-small-business-owners-and-the-cares-act

To view additional information about COVID 19, please click the link below:

/files/73659/Baystate_Stimulus%203_CARES%20Act%20Summary_Business_CRN202204%2D262558.pdf

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Finance Upfront Episode 2 - Understanding the CARES Act for Individuals

This is an informational podcast that outlines some of the provisions of the CARES Act for individuals, hosted by Hank Morse.This conversation with Stephen Napier & Mike Enright includes some details of the Recovery Rebate, Loans against Retirement Accounts, and state funded programs available to individualsThis is an informational podcast that outlines some of the provisions of the CARES Act for individuals, hosted by Hank Morse.This conversation with Stephen Napier & Mike Enright includes some details of the Recovery Rebate, Loans against Retirement Accounts, and state funded programs available to individualsThis is an informational podcast that outlines some of the provisions of the CARES Act for individuals, hosted by Hank Morse.    This conversation with Stephen Napier & Mike Enright includes some details of the Recovery Rebate, Loans against Retirement Accounts, and state funded programs available to individuals.

http://financeupfront.libsyn.com/finance-upfront-episode-2-understanding-the-cares-act-for-individuals

To view additional information about COVID 19, please click the link below:

/files/73659/Baystate_Stimulus%203_CARES%20Act%20Summary%20Indv_CRN202204%2D262555.pdf

CRN202204-263971


Finance Upfront Episode 1 - Interview with Hank Morse

In this episode, Hank Morse - Radio Personality and Podcast Host interviews Stephen Napier of Finance Upfront to discuss the impact of COVID 19 pandemic on individual financial well-being.  This episode identified some of the underlying fundamental challenges that face Americans today.

http://financeupfront.libsyn.com/finance-upfront-episode-1-interview-with-hank-morse

To view additional information about COVID 19, please click the link below:

Stimulus 2 Families First Act

Mass.Gov

IRS.Gov

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