Your Financial Plan-It

Join Synergy Capital Solutions’ Director of Investments, Eric Nahat, as he walks through the Q1 2026 recap and Q2 2026 outlook in our latest podcast episode.Some topics of discussion include:-Market Recap – Key Headlines From Last Quarter-AI Disruption – Software Sell-off and the Importance of Diversification-U.S. Economic Activity – Manufacturing Returning to Expansion-Oil Prices – Historical Context and Implications for the Economy-Inflation Monitor – Update on Recent Inflation Trends-Interest Rates – How Many Rate Cuts Are Forecast in 2026?-Fixed Income – High Yield Credit Spreads Widen in Response to Oil Shock-Long Term Perspective – S&P 500 is 96% Correlated with Earnings Growth-Looking Ahead – Key Themes to Watch the Next Six Months

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 4Q 2025 Recap & 1Q 2026 Outlook.Some topics of discussion include:-Market Recap – Key Headlines From Last Quarter-Stock Market – Nasdaq’s Historic Market Rebound-Washington Policy – U.S. Tariff Timeline-Inflation – Expectations Rising But Not Showing up in the Data-Interest Rates – Updated Rate Cut Forecast Through 2026-Market Upside – Earnings and Valuation Scenario Analysis-Looking Ahead – Key Themes to Watch Over the Next Six Months-Long Term Perspective – Economic Slowdowns Are Historically Short-Lived

Join Synergy Capital Solutions advisors Jordann M. Andrusiak, CFP® and Dr. Jeff S. Allen CFP® as they discuss Jeff's career as a physician and his career change to a Financial Advisor.Topics of discussion include:• Navigating a career change• Recognizing the need for financial planning guidance as a physician• The responsibility as a business owner• Finding the balance between paying off debt, saving for retirement and navigating your lifestyle• Malpractice protection, disability income coverage and life insurance• Achieving financial freedom and legacy planning• The importance of a good team - “You don’t know what you don’t know”Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 3Q 2025 Recap & 4Q 2025 Outlook. Some topics of discussion include:Market Recap – Key Headlines From Last QuarterStock Market – Nasdaq’s Historic Market ReboundWashington Policy – U.S. Tariff TimelineInflation – Expectations Rising But Not Showing up in the DataInterest Rates – Updated Rate Cut Forecast Through 2026Market Upside – Earnings and Valuation Scenario AnalysisLooking Ahead – Key Themes to Watch Over the Next Six MonthsLong Term Perspective – Economic Slowdowns Are Historically Short-Lived

Are you ready to retire? This popular question is one we hear often. In this podcast episode Synergy Advisors’ Caryn Fields, CFP® , and Diego Wanderley discuss the main elements of your financial plan to consider when looking at this question.Items of discussion include:Spending: Understand your essential vs. discretionary expenses and how to maintain your lifestyle in retirement.Income: Transitioning from earning a paycheck to paying yourself — including traditional and non-traditional income sources for retirement.Legacy: Is leaving a legacy important and part of your plan?At Synergy, every plan is personalized so our clients can focus on what matters most — their passions, purpose, and life experiences.Call us today at 888-363-4546 to start building your retirement plan and find the answer to the question, are you ready to retire?Your path to financial freedom starts here.

Join Synergy’s Client Experience Manager in Business Integrations, Anne Iwasko, and our Client Experience Associate in Scheduling, Jennifer Curran, as they make their podcast debut alongside host Jordann Andrusiak. Together, they explore the personal and professional transitions that shape our lives — from shifting household dynamics to evolving career paths and the responsibilities of caring for aging parents.Topics of discussion include:Enjoying where you are in each stage of lifeReflecting on your time as your children get olderNavigating a change in roles in the householdExploring your purpose and how to get thereManaging aging parentsPersonal and financial planning benefits

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 2Q 2025 Recap & 3Q 2025 Outlook.Some topics of discussion include:Market Recap – Key Headlines From Last QuarterStock Market – Nasdaq’s Historic Market ReboundWashington Policy – U.S. Tariff TimelineInflation – Expectations Rising But Not Showing up in the DataInterest Rates – Updated Rate Cut Forecast Through 2026Market Upside – Earnings and Valuation Scenario AnalysisLooking Ahead – Key Themes to Watch Over the Next Six MonthsLong Term Perspective – Economic Slowdowns Are Historically Short-LivedHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Money can be a source of unity—or tension—in a relationship. In this episode, we explore how couples can successfully merge their finances, align their financial values, and navigate the different levels of financial expectations. Whether you're just moving in together or have been married for years, this conversation will help you build a stronger financial foundation as a team.Topics of discussion include:Setting Shared Financial GoalsBudgeting and Spending as a TeamCommon Issues That AriseOptions for Managing Finances TogetherManaging Joint Accounts, Bills, and DebtWhen and Why to Keep Finances SeparateAligning on Values and Understanding the NumbersMerging finances is more than just combining bank accounts—it’s about building a shared vision for your future. With open communication, mutual respect, and a clear plan, couples can turn money into a tool for connection rather than conflict.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Are you or someone you know at the beginning of your financial journey?At Synergy, we recognize that you may need different services at different stages of your life and career. We match your financial needs through the various chapters of your life by offering support at the Build, Grow, Enjoy and Give stages of life.Firstly, we start with the build stage which Synergy advisors Jordann Andrusiak, CFP® and Brennan Ifkovits will be discussing within this latest podcast episode:Topics of discussion include:-What is the build stage of life?-How do we begin to build out a plan?-Identifying S.M.A.R.T goals-Developing your plan further with actionable steps- Importance of a team to monitor and develop your plan over time-Adapting to change and navigating life’s eventsThe Synergy Capital Solutions team is interested in serving as your partner, working alongside you to transform your goals and vision into a solid financial plan that helps you realize your dreams. Call us today at 888-363-4546. We’re ready to get started.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 2Q 2024 Recap & 3Q 2024 Outlook.Some topics of discussion include:Market Recap – Key Headlines From the Past Six MonthsStock Market – How Company Size is Shaping 2025 ReturnsU.S. Sector Trends – 7 of 11 Sectors Posted Gains in 1Q 2025Performance Drivers – Earnings Remain Strong, But Valuations ModerateInterest Rates – Why Have Bond Yields Declined This Year?Market Turbulence – Policy Uncertainty Has Increased Market VolatilitySentiment Insights – Trends in Consumer and CEO Survey DataEconomic Dashboard – Takeaways from Four Key MetricsLong Term Perspective – Market Volatility is a Normal Part of InvestingHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The Importance of Women Leading Their Financial Journey | Women in Financial PlanningHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments, Eric Nahat, as he talks through the 3Q 2024 Recap & 4Q 2024 Outlook. Some topics of discussion include:• Market Recap – 2024 Asset Class Performance• Stock Market – What to Expect in the Third Year of the Bull Market• Performance Drivers – Expectations for Earnings Growth in 2025• Interest Rates – Comparing the Market’s & Fed’s Forecasts• Inflation Update – Progress Stalls as Goods Deflation Slows• Economic Trends – What’s Driving U.S. Economic Growth?• Historical Perspective – Comparing the Economy in 2016 & 2024• What to watchHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial Plan-It, Synergy Capital Solutions Advisors Alex Burns, CFP®, and Brennan M. Ifkovits share their tips for year-end planning and share how to prepare for 2025.The end of the year can be a busy time for many, but it's important to take a moment to reset and realign your financial plan while planning ahead for the new year.Topics of discussion include:-Specific areas to look at within your plan before the year ends-Planning for 2025 and what to prepare for-Looking at how your goals translate to your planFor personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.synergycapitalsolutions.comhello@synergycapitalsolutions.com(888) 363-4546Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The holiday season often leads to increased spending, which can significantly impact your bank balance, especially if you haven’t saved or planned for it. While you might think a January financial hangover is inevitable, it doesn’t have to be that way. Advance planning can help you avoid financial stress and fully enjoy this joyful time of year.In this episode of Your Financial Plan-It, Synergy Capital Solutions Advisors Jordann M. Andrusiak, CFP®, and Kevin R. Keith, CRPC®, CRPS® share their tips for planning your spending and navigating your financial plan during the holiday season.Topics of discussion include:-The temptations of sales and ‘special offers’-Exploring gift options – physical gifts, experiences or memories-Planning and making lists for gifting, gatherings and holiday activities.-Avoid the last-minute stress and panic buyingFor personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.synergycapitalsolutions.comhello@synergycapitalsolutions.com(888) 363-4546Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 3Q 2024 Recap & 4Q 2024 Outlook. Some topics of discussion include:Market Recap – Timeline of Key Events in 2024Interest Rates – Federal Reserve Cuts Rates by -0.50%Path Forward – How much could rates be cut by?Economic Trends – Watching Interest Rate Sensitive IndustriesHistorical Perspective – How Does the S&P 500 Perform During Rate Cuts?Labor Markets – Weakening, but Not Weak by Historical StandardsWhat We’re Monitoring – Number of Companies Mentioning “Recession”Presidential Election – Staying Invested vs. Choosing SidesHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions advisors Eric Nahat and Alex Burns, CFP® as they discuss investing through election years.Topics of discussion include:Why its important to stay invested during election yearsHistorical data which shows that it is much more impactful to stay invested than to try and time the marketsHow we approach election years in our plans looking at the long-term solutionsThe Synergy Capital Solutions team provides a full suite of wealth management solutions that can help individuals and families reach their financial goals. Call us today at 888-363-4546 or email us at [email protected]. We’re ready to get started.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions advisors M. Alex Burns, CFP® and Caryn Fields, CFP® as they discuss planning for your legacy.Topics of discussion include:• The 2017 Tax Cuts and Jobs Act• What the upcoming changes mean for our clients• Importance of your plan and selecting which professionals to work with• Three things you can do now to define your legacy• The importance of working with your professionals to have all your pieces in placeHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 2Q 2024 Recap & 3Q 2024 Outlook.Some topics of discussion include:Asset Classes – Mid-Year Performance UpdatePerformance Drivers – Earnings Growth vs Valuation MultiplesEquity Factors – The Biggest Companies Are Outperforming in 2024Inflation Update – What is the Federal Reserve Looking For?Interest Rates – More Central Banks are Starting to Cut Interest RatesU.S. Economy – Monitoring the Economy on Weekly BasisImportance of DiversificationHightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Budgeting is the cornerstone of financial stability, enabling you to manage your money effectively, prioritize expenses, and work towards achieving your financial goals. By distinguishing between essential and discretionary spending, tracking expenses diligently, and adhering to established budgeting techniques, you can gain control over your finances and pave the way for a secure financial future.Key elements discussed in this episode include: Essential versus Discretionary SpendingCalculating Monthly Income and ExpensesImplementing Budgeting TechniquesTracking Expenses MethodicallyFor personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.synergycapitalsolutions.com [email protected] (888) 363-4546Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.