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.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 1Q 2024 Recap & 2Q 2024 Outlook. Some topics of discussion include:-Historical Market Events-Market Returns – S&P 500 Index Sets Multiple New Highs in Q1 2024-S&P 500 Bull & Bear Markets-The Odds of Cash Underperforming Are High-Credit Markets – Investors Now Expect Fewer Rate Cuts This Year-Inflation – Slowing Progress and the Impact of Rising Gasoline Prices-Labor Market – The Unemployment Rate Starts to Creep Higher-Consumer Health – The Low Savings Rate Signals a Willingness to SpendHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to Synergy advisor Norton Stern about this 55 years working in the financial industry.Some highlights include:Why a financial plan is importantNorton's experience over his careerEstate Planning and what you should be doingBusiness succession planning and taking care of your clientsHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

As professional working women, Jordann Andrusiak and Lindsay Mills share their experience of navigating motherhood and the changes, challenges, and considerations they made to their lives. Also in this podcast, Lindsay Mills tells her inspirational story of navigating the critical financial events she has experienced from motherhood to single motherhood and losing a parent.Key topics include:• The transition to motherhood and navigating your new budget, work life balance, career path and new priorities.• Preparing for 529 plans, childcare, sports, and travel.• The transition to single motherhood and creating a new budget, goals and values. Creating new saving plans and emergency funds.• Time management and prioritizing your values.• The transition to losing a parent and becoming a support system for your family. Helping to navigate grief and offering education and support to your parent during the difficult life transition.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to our new team members Kevin Keith CRPC®, CRPS® and Lindsay Mills. As Synergy Capital Solutions continues to grow, we welcomed the clients and team of the EnVision Financial Group to our firm in November 2023. Through this combination we welcomed Kevin and Lindsay to our team, and we are excited for you to get toknow them.Some topics of discussion in this podcast include: -Kevin and Lindsay's career path and experience -The passion they both share for the industry -The everchanging financial industry-How and why, Kevin and Lindsay choose SynergyHightower 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 4Q 2023 market recap and 1Q 2023 outlook.Some topics of discussion include:-Market returns-New opportunities-Inflation-Consumer Confidence-Market themes-Time in the market-Withdrawal ratesTo read more on the 4Q market recap and 1Q 2024 recap, read the latest blog post on our website or reach our to the Synergy Capital Solutions team. https://synergycapitalsolutions.com/blog.html?page=1Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to our new team members Caryn E. Fields CFP®, Brennan M. Ifkovits and Diego Wanderley. We are so excited to welcome them to the team and we are looking forward to you getting to know them.Some highlights include:-Their career path and experience-The passion they share for the industry-How and why, they choose SynergyHightower 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 join Jordann Andrusiak and Caryn Fields as they discuss some new year resolutions and a check list of items you should take care of during the year. This is a great resource to check you are starting 2024 in the best way possible with your financial plan.As a new member to our team, Caryn provides a brief introduction to herself as she co-hosts her first podcast with Synergy Capital Solutions.As changes in your life occur, are you adjusting your financial plan accordingly throughout the year? Some main topics in this podcast include:-Life changes updates (Retirement, new family members, residence, ETC.)-Financial plan updates-Estate plans-Tax changes-Retirement planning-Income and budgetsHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In your 20s and 30s, the concept of retirement may seem distant and, frankly, irrelevant. A proactive mindset, however, can have a major impact on your financial future, possibly even setting the stage for an earlier retirement. If you’re in the majority of employees, you have access to an employer sponsored retirement plan, often a 401(k), and at some point, either because you start a new job, retire or adjust your financial plan, you may need (or want) to distribute your retirement assets into another retirement account. This is known as a rollover. To help you prepare and make an informed decision, here are the main options you will likely have, and some of the pros and cons associated with each.Reach out to the Synergy Capital Solutions team if you have any questions or need further information. [email protected] Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions team member Eric Nahat as he talks through the 3Q 2023 market recap and 4Q 2023 outlook. Some topics of discussion include:Google search trendsHistoric market eventsTime in the marketInterest ratesBond marketTo read more on the 3Q market recap and 4Q recap, read the latest blog post on our website or reach our to the Synergy Capital Solutions team.

Join Synergy Capital Solutions advisors Sarah Zvekan and Alex Burns as they discuss their certified financial planner certification experience.For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements and commit to CFP Board's ethical standards that require them to put their clients' interests first.Congratulations to Sarah who recently passed her CFP exam!During this podcase they will discuss:• Their journey during the CFP® process• What the CFP® process is• How the certification impacts the service we deliver to our clients.- Advice for anyone who is going through the CFP® process.

In this episode, Mark Burns, our CEO, and Alex Burns, an advisor and Director of Digital Solutions, will be discussing the multigenerational firm we have at Synergy Capital Solutions. Topics of discussion include: ·  When Mark knew having a second generation in the team was an important asset to have.·  Alex Burns' journey into Synergy Capital Solutions and working with the generation one advisors.·  The benefits of a multiple generational firm for our clients. Hightower 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.

Summary:When it comes to short term investing, there are a number of uncertainties that come along with it that may allow for more issues to pop up versus if you take a long-term strategic approach. Sometimes, when going through turmoil, a heads up as well as a solid financial plan to fall back on just might be your saving grace to not jump at the chance to pull out based on your fears in the market. In this episode, David Vallieres is joined by Eric Nahat to uncover the changes in the market since the beginning of the year, what that means for your portfolio and how you can go about understanding these changes while looking forward into the third quarter.David Vallieres discusses,●     How we approach investing through understanding the logic and the long-term benefits ●     Proactive versus reactive investing and how it can benefit your portfolio ●     How the market can currently be compared to prior shifts in history and how we can use that to determine the onset of where the market is headed ●     And moreConnect With David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected] With Eric Nahat:●     LinkedIn: Eric NahatAbout Our Guest:Eric Nahat holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Women now control about a third of the world's wealth and over half of the wealth in the United States. A lot has changed over the years and we want to take the time to recognize the work from generations of women.In this episode, David Vallieres chats with Sarah Zvekan financial advisor at Synergy Capital Solutions about the importance of women in the financial industry, and the impacts that they have had. Sarah also talks about planning your taxes for charitable giving.David and Sarah discuss:●    Her observations as a woman in finance ●    Women in philanthropy●    Tax planning for philanthropic and charitable giving●    And moreConnect with David Vallieres:●    David Vallieres●    Synergy Capital Solutions●    Email at: [email protected] With Sarah Zvekan:●    LinkedIn: Sarah ZvekanAbout Our Guest:Sarah Zvekan delights in working hand in hand with clients in developing their goals that drive their long-term financial plan. Sarah enjoys helping clients organize their financial life to lessen their burden and stress. She has a high level of proficiency in the financial planning platforms that are used to serve clients and is consistently willing to leverage specialized tools to empower clients to accomplish their goals.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tax season is on the horizon once again but, if you think about taxes all year round it doesn’t have to be such a burden at this particular time of year.In this episode, David Vallieres speaks with Mark Burns, CFP®, CIMA®, chief executive officer and investment officer and Sarah Zvekan financial advisor at Synergy Capital Solutions. They discuss how to prepare for tax season, creating retirement plans that clients can be excited about, and the importance of investment planning.Mark and Sarah discuss:●     Building a stable cash flow plan for after retirement to mitigate risk●     Creating retirement plans that are client oriented and help clients visualize an end goal●     Investment planning and the importance in creating a diverse portfolio of well managed assets ●     Passing down your values and your wealth to your family through wealth transfer planning●     And moreConnect with Mark Burns:●     LinkedIn: Mark BurnsConnect With Sarah Zvekan:●     LinkedIn: Sarah ZvekanConnect with David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected] Our Guests:Mark Burns began his financial services career in 1982 and quickly became a widely recognized advisor for Wells Fargo Advisors and its predecessor firms. Mark focuses on investment planning and consulting, in addition to overseeing the asset management process. He spearheads the Synergy Investment Committee which manages client portfolios on discretion using Synergy Strategy Portfolios. Mark believes continuing education enhances Synergy’s advisory services and investment strategies.Sarah Zvekan delights in working hand in hand with clients in developing their goals that drive their long-term financial plan. Sarah enjoys helping clients organize their financial life to lessen their burden and stress. She has a high level of proficiency in the financial planning platforms that are used to serve clients and is consistently willing to leverage specialized tools to empower clients to accomplish their goals.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Summary:The Secure Act 2.0 is a 1.7 trillion dollar package, some of the features of the plan are very confusing, complex and broad, which is why it is recommended you talk with your advisor.In this episode, David Vallieres talks with Dr. Jeff Allen, CFP®, to dissect the features of the Secure Act 2.0 on a high level and how it can benefit you.Dr. Jeff Allen discusses:●      Potentially significant changes with charitable distributions●      The larger catch up for retirement contributions●      Student loan payment matches beginning in 2024●      And moreConnect With David Vallieres:●     David Vallieres●     Synergy Capital Solutions●      Email at: [email protected] With Dr. Jeff Allen: ●      LinkedIn: Jeff AllenAbout Our Guest:Dr. Jeff Allen is a retired physician working as a financial advisor for Physicians, Dentists and other successful professionals with an understanding of their unique objectives. He focuses on helping clients create financial freedom by creating a spending and investment plan to reach retirement goals. Additionally, he helps clients with college planning, investment management, insurance needs analysis and retirement planning. Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Summary:2022 threw just about every financial disruption it could at us. At this point, nothing should surprise us.In this episode, David talks to Eric Nahat, Advisor & Director of the Investment Committee at Synergy Capital Solutions. Together they go over the events of the past year and look forward to 2023. They discuss the state of the markets along with what they think the markets will hold in the new year.David and Eric discuss:How 2022’s markets differ from the financial crisis of 2008Strategies for making smart financial decisions going into 2023The importance of not letting your emotions cloud your judgmentAnd more!Connect with David Vallieres:David VallieresSynergy Capital Solutions Email at: [email protected] with Eric Nahat:LinkedIn: Eric NahatAbout our guest:Eric holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.Previously, Eric worked for J.P. Morgan Private Bank where he assisted with high-net-worth families and institutions to monitor investment portfolios, model wealth projections, and provide investment solutions for their clients. He holds the Series 7, 63 and 65 licenses as well as Life, Health and Variable Annuities Insurance licenses. He has a master's degree in business administration from the University of Michigan, where he also earned a bachelor's degree in economics.Eric lives in Ann Arbor, Michigan. He enjoys being involved in the community and spends his free time traveling the world, tasting the newest local cuisine and playing various sports, most notably hockey and golf.

Summary:The holidays are an exciting time of the year. Maybe you enjoy; spending time with friends and family, enjoying delicious food, or shopping for those best gifts.In this episode, the team at Synergy Capital Solutions share some of their family traditions during the holidays and what they think about as they go through the holidays. Members of Synergy Capital Solutions discuss:●       The must-haves during the holidays●       Favorite holiday foods to have with guests●       The best gifts to be received or given●       Where they shop for the best deals●       How to spend an appropriate amount on gifts●       And moreConnect With David Vallieres:●       David Vallieres●       Synergy Capital Solutions●       [email protected] Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Summary:Staying up to date on phishing and vishing scams, malware, ransomware, and other computer threats is absolutely necessary to keep your finances and identity safe.In this episode, David Vallieres talks with Sarah Khan, a chief information security officer at Hightower Advisor LLC, to discuss cybersecurity. Sarah dives into what cyber security is, the different types of cyber fraud to look out for, and shares some essential tips for keeping yourself safe online.Sarah discusses:●    What cyber fraud is, and the different techniques scammers are currently using to compromise security for financial accounts and computer systems●    Some examples of different fraudulent money movement scenarios●    12 essential pieces of advice for staying safe online●    And moreResources:●    DashLane.com●    LastPass.comConnect with David Vallieres:●    David Vallieres●    Synergy Capital Solutions●    Email at: [email protected] Our Guest:Sarah Khan was born and raised in Chicago and is naturally drawn to science, technology, engineering, and mathematics. She completed her Bachelor’s degree at UIC in electrical engineering and then attended Northwestern University for her Master’s degree in computer sciences. Over the past 20 years, Sarah has been focused on technology and security, specifically in financial services, and is currently the Chief Information Security Officer for Hightower Advisors and the Hightower Trust company.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Summary:Are we currently in a recession or are we headed towards a recession? Because of the economic cycles and changes, there are always times where the market goes through good and bad periods, that’s one of the reasons why you need to be a long-term investor.In this episode, David Vallieres talks with Mark Burns and Eric Nahat from Synergy Capital Solutions to discuss the fourth quarter market update and what trends they have noticed over the past couple of months. Mark and Eric discuss:●     Why your economic outlook should match your portfolio planning●     Why long-term investing is so effective●     The Monte Carlo simulations and how you can use it to make predictions●     Click here to read more about portfolio processes and market updatesConnect with David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected]

Summary:According to CNBC, a college education is now the second largest expense that an individual is going to make in a lifetime. With college costs increasing, more families know they have to have a plan to pay for college than ever before.In this episode, David Vallieres talks with Sarah Zvekan, to explain how parents can begin to plan for the costs of college. She also shares some tips for navigating this expensive event in a cost-efficient manner. Sarah discusses:●      The value in allowing your kids to contribute to their college fees●      Why it’s worth checking if you qualify for financial aid●      The benefits of gifting stocks to your children for college expenses●      Reasons why you should try to avoid private loans●      How to plan for education costs for different age groups●      And moreConnect with David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected] With Sarah Zvekan:●     LinkedIn: Sarah ZvekanAbout Our Guest:Sarah Zvekan delights in working hand in hand with clients in developing their goals that drive their long-term financial plan. Sarah enjoys helping clients organize their financial life to lessen their burden and stress. She has a high level of proficiency in the financial planning platforms that are used to serve clients and is consistently willing to leverage specialized tools to empower clients to accomplish their goals.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Summary:It is vital to control your finances with all the uncertainty in the markets.In this episode, David Vallieres talks with Alex Burns, an advisor at Synergy Capital Solutions. Alex explains the importance of controlling your spending and details how your savings should be organized for the short, medium, and long term.Alex discusses:●     What can be truly controlled by investors●     The three-step process of saving●     Why time in the market is better than timing the market●     And moreConnect With Alex Burns:●    LinkedIn: Alex BurnsConnect With David Vallieres:●    David Vallieres●    Synergy Capital Solutions●    Email at: [email protected] Our Guest:Alex Burns, CFP®, began his business career as a sales account manager for Symantec Corporation and its subsidiary Veritas. He brings deep database knowledge to Synergy Capital Solutions and enjoys working alongside his father, mother and sister. He earned a bachelor's degree in communications from Michigan State University.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Summary: It can help to focus on logic and long term planning since the markets are constantly changing.In this episode, David Vallieres talks with Eric Nahat, an advisor and director of the investment committee at Synergy Capital Solutions about the second quarter of 2022. They discuss the possible economic indicators and their impacts on the economy, while explaining their market projections in the face of a possible recession in the short term.Eric discusses:●      How GDP numbers for the first quarter shocked to the downside●      Five ways the odds of a recession are rising●      A recap of what’s been happening with the performance of the markets●      What's next for equities●      And moreConnect With David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected] With Eric Nahat:●     LinkedIn: Eric NahatAbout Our Guest:Eric Nahat holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

When it comes to financial planning, insurance is a necessary evil in planning for your future. In this episode, David Vallieres chats once more with Dr. Jeffrey Allen, CFP®, on insurance and risk management within financial planning while discussing options for long term coverage.Dr. Jeffrey discusses:●     How he mitigates risk for his clients●     The different types of insurance●     Long term care insurance options●     And moreConnect with David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected] Our Guest:Dr. Jeffrey Allen, CFP®, entered the financial service industry 15 years ago following his vast experience in the medical industry. Jeff is our team specialist in working with medical practices, closely held corporations and families to provide wealth management solutions. He focuses on developing a coordinated wealth creation and preservation plan to help with investment planning issues often encountered by medical professionals. As a certified physician, Jeff brings a distinct perspective and experience to these client needs.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Having a solid understanding of Social Security is vital to supporting a successful wealth strategy. It helps to have a clear picture of when to start collecting and how much you will be receiving to maximize your benefits and retirement.In this episode of Your Financial Plan-It, David Vallieres chats with Dr. Jeffrey Allen, CFP®, to discuss the importance of your Social Security and the benefits to integrating it into your retirement plan.Dr. Jeffrey discusses:●     A definition of Social Security●     The benefits of Social Security●     What are survivor benefits and how it works●     And moreConnect With David Vallieres:●     David Vallieres●     Synergy Capital Solutions●     Email at: [email protected] Our Guest:Jeff entered the financial service industry 15 years ago following his vast experience in the medical industry. Jeff is our team specialist in working with medical practices, closely held corporations and families to provide wealth management solutions. He focuses on developing a coordinated wealth creation and preservation plan to help with investment planning issues often encountered by medical professionals. As a certified physician, Jeff brings a distinct perspective and experience to these client needs.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

There is always going to be uncertainty in the market with all the moving parts, not only within the economy but equities and fixed income.In this episode, David Vallieres chats with Eric Nahat, an advisor and director of the investment committee at Synergy Capital Solutions to provide you with a 2022 quarter one market update. They also share what could lie ahead in the market for the next quarter.Eric discusses:●    A quick recap of what’s been happening in the market this year●    What he is seeing ahead for equities and why diversification is important●    Why fixed income has had a tough start to the year●    And moreConnect With David Vallieres:●    David Vallieres●    Synergy Capital Solutions●    Email at: [email protected] With Eric Nahat:●    LinkedIn: Eric Nahat About Our Guest:Eric Nahat holds dual roles working on implementation of client investment portfolios and managing client financialplanning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Part of the role of a good financial advisor is to be able to change with your clients and meet their needs to relieve their concerns. Your market advisor should be able to identify those concerns and create a plan of action based on that information.In this episode, David Vallieres talks to Norton Stern, advisor at Synergy Capital Solutions to discuss the financial setbacks he’s seen within his career and how he was able to manage them. Plus, how his financial outlook has changed as he aged.David and Norton discuss:●     How he is adapting to financial concerns to prepare his clients for potential issues●     Modern technology and its potential misuses in the future●     The different mindsets of clients based on their age ●     And more!Connect with David Vallieres:●     LinkedIn: David Vallieres●     Synergy Capital Solutions●     Email: [email protected] with Norton Stern:●     Synergy Capital SolutionsAbout Our guest:Norton Stern assists Synergy Capital Solutions as a specialist in institutions and charitable foundations. He began his financial services career in 1969 creating a diverse and multi-layered scope of experience. He also works with individuals and families to continually monitor and provide individualized plans. Prior to joining Synergy’s predecessor firm, he was the registered principal and president of Franklin Financial Investments, LLC. Norton holds the Series 1, 24, 63, 65 licenses along with Life, Health and Accident, and Variable Annuities Insurance licenses.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

2021 was a year with a lot of ups and downs. COVID-19 affected day-to-day life and many financial decisions. But, even though 2021 was unpredictable, 2022 is right around the corner with new economic predictions and opportunities.In this episode, David Vallieres is joined by Eric Nahat, director of the investment committee at Synergy Capital Solutions, to discuss a market wrap-up of 2021, and what to expect in 2022. David and Eric discuss:● What’s next for the economy● Stocks and equities in 2021 and what to expect in 2022● 2021’s fixed income and bonds, and what’s around the corner in the new year● And more!Connect with David Vallieres:●     LinkedIn: David Vallieres●     Synergy Capital Solutions●     Email: [email protected] with Eric Nahat ●     LinkedIn: Eric Nahat●     Synergy Capital SolutionsHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

When it comes to insurance, it’s best to think of planning as “ready, fire, aim”, vs. “ready, aim, fire”. In this episode, David Vallieres speaks with colleagues Mark Burns and Norton Stern about the moving parts of life insurance and long term care annuities. They break down the changing structure of insurance over the years and the planning it takes to find the right fit.In this episode, you will learn:How the world of insurance and long term care has changedWhy insurance companies are raising premiums as they gain experienceHow annuities are viewed through the lens of a financial plannerHow life insurance should fit into your planAnd more!Tune in now to hear the details of insurance planning and long term care annuities!Resources:  Synergy Capital Solutions Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

More and more investors are making decisions based on non-financial factors. These factors may have an even larger impact on your investments than the finances.In this episode, David Vallieres is joined by Jeff Allen, director of planning solutions, and Eric Nahat, advisor and director of the investment committee at Synergy Capital Solutions. David, Jeff and Eric discuss why ESGs are becoming so popular, take a look into the history of ESGs, and discuss where they think they may be going in the future.They also share why you may want to consider a company’s ESG files before investing.David, Jeff, and Eric discuss:●     The different aspects of ESG investing●     Why investors are looking into company’s ESGs before deciding to invest●     The history behind ESGs and where they may go in the future●     And more!Connect with David Vallieres:●     LinkedIn: David Vallieres●     Synergy Capital Solutions●     Email: [email protected] with Jeff Allen●     LinkedIn: Jeff Allen●     Synergy Capital SolutionsConnect with Eric Nahat●     LinkedIn: Eric Nahat●     Synergy Capital SolutionsHightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.