Your Financial Plan-It

In addition to being the “right thing to do,” diversity, equity, and inclusion can actually help your organization become more profitable.In this episode, David Vallieres and Jordann Andrusiak are joined by Leslie Davis, the CEO of National Association of Minority & Women Owned Law Firms (NAMWOLF). They discuss how Synergy Capital Solutions and NAMWOLF aim to achieve their common goal of helping women and other minorities thrive in the legal profession and beyond. Leslie discusses:●     How you can tap into NAMWOLF’s country-wide network of first rate law firms●     NAMWOLF’s comprehensive vetting process for its member law firms●     How DEI drives efficiencies and leads to more creative solutions●     And more!Connect with David Vallieres:●     [email protected]●     Synergy Capital Solutions●     LinkedIn: David VallieresConnect with Jordann Andrusiak:●     LinkedIn: Jordann AndrusiakAbout Our Guest:Leslie Davis, the CEO of the National Association of Minority & Women Owned Law Firms (NAMWOLF), is reputed as a business strategist with deep legal knowledge and ability to align business, operations, and strategies to meet key objectives while supporting growth. She delivers significant financial impact to organizations by identifying opportunities to drive business forward. Leslie is a respected leader and trusted advisor with a strong business mindset and legal background providing a foundation for driving business objectives in competitive environments. The leadership she brings results in meeting goals while enjoying collaborative team dynamics and enhanced organizational engagement and culture.Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Have you ever heard estate planning success stories?In this episode, David Vallieres is joined again by Norton Stern to share stories of how estate planning has added value to family’s lives and addressed their biggest concerns. In this episode, you will learn:Reasons to work with a fiduciary advisorThe pros and cons of having an institutional vs. known trustee Stories of estate planning successesHow often to review your trustTune in now to hear estate planning successes!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

One of the more intricate aspects of estate planning is wealth transfer. But what really is wealth transfer and how does it work? In this episode of Your Financial-Plan It, David Vallieres is joined again by Mark and Alex Burns to take a deep dive into estate planning and a deeper dive into wealth transfer.In this episode, you will learn:What estate planning is and the goals of wealth transferThe two key areas of focus for Synergy Capital Solutions when it comes to wealth transfer Why it’s important to review estate plans regularly How a wealth transfer plan can benefit business ownersAnd more!Tune in to do a deep dive on wealth transfer!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

If you are curious about the latest economic trends and future market expectations (both for equities and fixed income), then this episode is for you!In this episode, David Vallieres and Eric Nahat provide key performance statistics for the markets in the first 3 quarters of 2021 and share insights into what investors should expect in 2021-Q4 and beyond. David and Eric discuss:●     How the Delta Variant and supply chain pressures are affecting the global economy●     The potential impact of Federal Reserve's “tapering” on inflation●     Why international investors should be careful of China’s highly leveraged housing sector●     And more!Connect with David Vallieres:●     [email protected]●     Synergy Capital Solutions●     LinkedIn: David VallieresConnect 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. With a master’s degree in business administration from the University of Michigan, Eric also holds the Series 7, 63 and 65 licenses as well as Life, Health and Variable Annuities Insurance licenses.Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

At Synergy Capital Solutions, we strongly believe in diversity, equity and inclusion.As a result, we’re proud to partner with the National Association of Minority & Women Owned Law Firms (NAMWOLF), which aims to promote DEI in the legal profession.In this episode, David Vallieres and Jordann Andrusiak discuss what NAMWOLF is all about, the different benefits it offers to its members, and the synergy created for clients through their partnership with NAMWOLF.David and Jordann discuss:●     NAMWOLF’s core mission and vision●     How you can easily become a member of NAMWOLF●     The types of financial services provided specifically to NAMWOLF members●     How small- and medium-sized business owners can promote DEI within their business●     And more!Resources:●     The National Association of Minority & Women Owned Law Firms (NAMWOLF)Connect With David Vallieres:●     [email protected]●     Synergy Capital Solutions●     LinkedIn: David VallieresConnect With Jordann Andrusiak:●     LinkedIn: Jordan AndrusiakAbout Our Guest:Jordann Andrusiak, CFP®, holds dual roles as an advisor and the director of business solutions. As an Advisor, Jordann works with individuals and families to help them achieve their financial goals. She works to enhance their client experience through relationship management, investment planning and asset-management strategies. She is also a part of the Synergy Investment Committee. As Director of Business Solutions, she strives to evolve and grow the practice through cultivation of the advisory team and overall firm best practices alongside the COO.Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

When it comes to your finances, it is inevitable that you will have questions. Likely, your questions are common, and we’ve got the answers you’re looking for. David Vallieres is joined by Jordann Andrusiak, Norton Stern, and Jeff Allen to answer your frequently asked questions about financial planning, In this episode, you will learn:Whether you should focus on investing or paying down debtsSome tips for saving for retirementThe difference between various education savings plansWhy it’s important for your family to be involved in financial planningAnd more!From short and long term investments, to retirement planning, wealth, and education, tune in as David, Jordann, Norton, and Jeff answer your questions!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

When it comes to your investments, knowing the terms and phrases that your advisor is talking about can be very helpful.David Vallieres is joined by Eric Nahat as they go back to basics with investment terms. Whether your investment knowledge is general or advanced, David and Eric are here to answer your questions. In this episode, you will learn:Key investing phrases and termsMany different kinds of stocks available Various investment terms, what they mean and how they workAnd more!Tune in to learn valuable information and language about investments!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

While preparing for retirement, it’s important to involve your heirs in the financial planning process.In part four of the Women and Wealth series, David Vallieres and Jordann Andrusiak once again speak with Margie, Pat, and Marla, who share the steps they are taking to prepare their next generations for a healthy financial future. They also candidly discuss their biggest financial wins and how they achieved them.The guests discuss:●    Financial planning tips they wish they had known earlier in life●    The financial freedom you achieve after working with an advisor●     Biggest financial pitfalls of their lives and how they overcame them●     The importance of having a secure document locator while planning your estate●     And more!Connect With David Vallieres:●     [email protected]●     Synergy Capital Solutions●     LinkedIn: David VallieresConnect With Jordann Andrusiak:●    LinkedIn: Jordann AndrusiakHightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

With a continued resurgence of consumer spending in the second quarter of 2021, what does the economy look like moving forward?In this episode, David Vallieres and Eric Nahat answer this question. They discuss the recent trends in equity markets and fixed income assets, and provide an economic outlook for the later half of 2021 and beyond.David and Eric discuss:●     Industry sectors that have experienced the maximum rebound in consumer spending●     Why we are seeing a shift towards value-oriented companies●     The impact of anticipated inflation and interest rate changes on fixed income markets●     The importance of long-term planning instead of “timing the markets”●     And more!Connect with David Vallieres:●     [email protected]●     Synergy Capital Solutions●     LinkedIn: David VallieresConnect 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. With a master's degree in business administration from the University of Michigan, Eric also holds the Series 7, 63 and 65 licenses as well as Life, Health and Variable Annuities Insurance licenses.Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

A lot of women often rely heavily on their spouse to take care of the finances. Remember, doing so can significantly affect you at a later stage in your life.In part three of the Women and Wealth series, David Vallieres and Jordann Andrusiak are joined by Margie, Pat, and Marla, all of whom are in the retirement phase of their lives. They discuss the importance of taking hold of your finances and developing financial literacy early on in life.The guests discuss:●     How they navigated their financial complexities during the death of their spouse●     How an advisor can ease your financial burden during unforeseen life circumstances●     Why you need to discuss your finances with your children●     Financial decisions that might keep you up at night if you have not planned for them●     And more!Connect With David Vallieres:●     [email protected]●     Synergy Capital Solutions●     LinkedIn: David VallieresConnect With Jordann Andrusiak:●     LinkedIn: Jordann AndrusiakHightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Welcome to part 2 of our Women and Wealth series, where we interview a panel of strong, successful, and financially independent women.In part two of this series, David Vallieres and Jordann Andrusiak are joined by Amanda Dorio, Danielle Lee, Denise Gergley, and Hannah Haley. With each of them currently in a different stage of life, they share what they wish they could’ve told their younger selves regarding finances.You will learn:●     How to balance your finances based on your priorities●     How being concentrated now can help you make better decisions when you’re older●     Why you need to slow down and put a financial plan in place●     And more!Tune in to learn these women’s mistakes and how you can avoid them for yourself!Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: [email protected] | Amanda Dorio | Denise Gergley | Hannah Haley | Silver Spoon Kids : How Successful Parents Raise Responsible ChildrenHightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Welcome to our Women and Wealth series, where we interview a panel of strong, successful, and financially independent women.In part one of this series, David Vallieres and Jordann Andrusiak are joined by Amanda Dorio, Danielle Lee, Denise Gergley, and Hannah Haley. With each of them currently in a different stage of life, they share the major expenses they are facing, how they deal with them, and steps they are taking to secure their financial future.You will learn:●     Why certain major financial decisions might keep you up at night if you haven’t planned for them●     How an advisor can help you make informed, data-driven decisions●     Tips to raise your children to be financially responsible●     And more!Tune in to learn how you can navigate the financial complexities at different stages of your life!Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: [email protected] | Amanda Dorio | Denise Gergley | Hannah Haley | Silver Spoon Kids : How Successful Parents Raise Responsible ChildrenHightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Although the proposed tax legislation is subject to changes, you can still take some measures now to be better prepared for when changes are actually happening.In part two of this series about expected tax changes, join David Vallieres, Jordann Andrusiak, and returning guest Richard Schloss, as they dive deeper into how the new tax proposal may affect your income, estate, and gift taxes. They also discuss strategies to help you optimize your wealth transfer to future generations.You will learn:●     The time period when the proposal is most likely to be passed●     How to use the Spousal Lifetime Access Trust (SLAT) & the Irrevocable Life Insurance Trust (ILIT) for efficient estate planning●     Tips to help you fully utilize your current unused gift tax exemptions●     And more!Tune in to discover steps you can take today to minimize the impact of the new tax regulations!Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: [email protected] Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

According to the Biden Administration’s new tax proposals, some tax benefits and exemptions might not be available moving forward.But you can take advantage of them while they last.In this episode, David Vallieres and Jordann Andrusiak talk to Richard Schloss, member at Dawda, Mann, Mulcahy & Sadler, PLC. Join them as they explore the expected tax law changes and discuss the impact on estate planning, trust administration and income tax planning.You will learn:●     How drastic reductions in estate and gift tax exemptions may affect your financial plan●     The likelihood of various tax laws being passed in the near future●     Things you can do now to prepare yourself to deal with the new tax regulations●     How increased tax rates might affect the M&A space●     And more!Tune in to learn how you can proactively adapt to expected tax changes!Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: [email protected] |Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

An unprecedented fiscal stimulus and the rollout of vaccinations has led to the resurgence of economic activity through COVID-19.In this episode, David Vallieres and Eric Nahat discuss the anticipated trends in consumer spending, equity markets and fixed income assets. They also explore strategies to reduce your exposure to short-term market changes and help you lay out a comprehensive long-term plan.You will learn:How changes in the 10-year treasury yield affect the equity marketsWhat we mean by “duration” – and how it affects fixed income investmentsExpected economic growth in 2021 and beyondTips to create a well-balanced portfolio while still taking advantage of short-term trendsAnd more!Tune in to get important updates on the current and anticipated market trends!Resources: Synergy Capital Solutions | David Vallieres | Eric Nahat on LinkedIn | Email at: [email protected] Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

While one of the advantages of living in Florida is the lack of an individual state income tax, that’s not the only benefit it provides to its residents!In the second part of the Florida Domicile series, David Vallieres is joined by Michael Witzke, chair of McDonald Hopkins Estate Planning and Probate Group, and Amanda Dorio, managing attorney at The Dorio Law Firm, PLLC. Together, they dive deep into the asset protection and property tax benefits in Florida and discuss how it can have a significant impact on your financial plan.You will learn:●     The fundamental difference between estate tax and inheritance tax●     How to access the two key asset protection tools in Florida – Homestead Creditor Protection and Tenancy by the Entirety●     Real-world examples of clients benefitting from Florida Domicile●     Complications that may arise in the state you’re leaving, and tips to deal with them●     And more!Listen now to learn how you can take advantage of the various tax and asset protection advantages offered by the state of Florida!Resources: Synergy Capital Solutions | David Vallieres | Email at: [email protected] Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

People often consider moving to a different state, whether it’s for a job change, for better weather or simply to live a comfortable life after retirement.And one of the states in hot demand right now is – Florida!In this episode, David Vallieres is joined by Mark Burns, CEO at Synergy Capital Solutions. They discuss why so many people are moving to Florida, not just for the warm weather and the social lifestyle, but also for various tax benefits and a better asset protection offered by the state.You will learn:The key factors you should consider before changing your residencyHow the lack of a state death tax in Florida can save you thousands of dollarsWhat the Homestead Creditor Protection program is all about – and the potential benefits from an asset protection standpointThe property tax benefits enjoyed by primary residents of FloridaWhy top wealth advisors and attorneys are setting up their practice in FloridaAnd more!Tune in to learn why you should consider a Florida domicile, and how the rapidly growing state offers several opportunities for the future!Resources: Synergy Capital Solutions | David Vallieres | Mark Burns | Email at: [email protected] Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The responsibilities of a tax advisor are no longer limited to a simple income tax return. It’s about consistently making informed decisions throughout the year to optimize your tax picture.In this episode, David Vallieres is joined by Jordann Andrusiak, and guest Dennis Wolgin, tax consultant at Schlaupitz Madhavan, P.C. Join them as they discuss how financial planners can effectively collaborate with tax advisors to provide greater value to their clients, as the tax filing season approaches.In this episode, you will learn:How Synergy Capital Solutions works closely with tax experts to develop highly efficient tax-plansWays in which secure online portals help you keep your documents organizedHow to prepare for the very first tax meeting with your advisorsQuestions that you should ask while hiring a tax advisor – as an individual or a businessAnd more!Tune in to learn how you can be better prepared to tackle your 2020 taxes during the upcoming tax season!Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Schlaupitz Madhavan, P.C.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tax Day for your 2020 taxes has returned to April 15th this year, after a year of shifted deadlines and uncertainty with COVID-19. Are you prepared for this tax season? What will be different when it comes to filing your 2020 taxes?In this episode, David Vallieres is joined by Alex Burns, John McCarron, and Lisa Inman to discuss 2020 taxes and how you can prepare for this upcoming tax season. In this episode, you will learn:Ways you can begin to prepare for the 2020 tax seasonHow the CARES Act will impact your 2020 taxesWhether you should be maxing out your retirement accounts this yearHow Synergy can help you this tax season — and why it’s imperative to coordinate with your tax professionalWhat you should be asking of your tax professionalAnd more!Tune in to hear from the Synergy Capital Solutions team to start preparing for the 2020 tax season!Resources: Synergy Capital Solutions | David Vallieres | Alex Burns | John McCarronHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Financial advisors, tax advisors, estate attorneys – there are just so many people you may have to deal with when developing a holistic plan for your finances.Wouldn’t it be so much better if they could collaborate with each other?In this episode, David Vallieres, Jordann Andrusiak and Norton Stern from Synergy Capital Solutions are joined by Matt Caplan from Dawn Divorce Attorneys for Women. They discuss how advisors can work closely with attorneys and other professionals to better serve their clients.In this episode, you will learn:The importance of having a solid understanding of your financesHow advisors and lawyers can work together to help their clients have an effective plan in placeWhy you should always look towards the future and ask “What do I do next?”How COVID-19 has increased the need for legal and financial helpSynergy Capital Solution’s plans for an all-new series in 2021And more!Tune in now to learn how you can optimize your financial situation through collaborations with professionals.Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Synergy Capital Solutions Podcasts | Email at: [email protected] | Dawn Divorce Attorneys for WomenHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

After the stock market peaked at the end of 2020, the investing momentum has continued into this new year!So, are you ready to kickstart 2021? Do you have a robust plan in place?In this episode, David Vallieres is joined by his fellow investment committee members at Synergy Capital Solutions, Jordann Andrusiak and Eric Nahat. They discuss the key market trends you can expect over the coming months, and how you can adjust your plan to fully harness the opportunities that 2021 has to offer!In this episode, you will learn:The expected recovery trends for the markets going forwardHow the elections, both at the presidential level and Georgia Senate run-off, affect the marketsWays in which interest rates are expected to influence fixed-income investmentsWhy you should always focus on long-term investment planningAnd more!Listen now to learn more about the expected market trends, as further updates about the elections and COVID-19 unfold!Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Eric Nahat | Synergy Capital Solutions Podcasts | Email at: [email protected] Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Do you know who the person is that is navigating your team to success? In this episode, David Vallieres speaks with Jordann Andrusiak, Bill Brown and Norton Stern as they discuss how they take on the primary responsibility as the quarterback calling the shots. They discuss the systematic process of leading advisors and professionals to achieve the clients’ goals.In this episode, you will learn:What it means to collaborate with other professionals to get the best results for your clientsHow we work and collaborate with other advisorsHow we take the lead to overcome challengesWhat expectations we hold for the CPAs, attorneys or other professionals that we have partnerships withAnd more!Tune in now to learn more about who is in charge of the group marching you down the field. Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Bill Brown Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

With market highs in February, a severe drop in March and now a great recovery again in November – 2020 has seen some extremely volatile market behavior. As it is coming to an end, it is important to plan for the future!In this episode, David Vallieres is joined by colleague Mark Burns to discuss how COVID and the recent elections have affected the market. They provide several meaningful insights into how you can proactively adjust your financial plan to the anticipated future changes in 2021.In this episode, you will learn:The key transition periods during 2020 and how to prepare for year endWays in which the elections affect you from a regulatory and a tax standpointHow technology has impacted the marketplace, the workforce and the clientsWhat’s around the corner for 2021 and your next steps going forwardAnd more!Tune in now to learn how you can enter 2021 with a solid long-term plan to better manage your finances!Resources: Synergy Capital Solutions | David Vallieres | Mark Burns | Email at: [email protected] Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

How will the markets prevail through the fallout from the 2020 presidential election?In this episode, David Vallieres and Eric Nahat discuss the impact this historic election and results have had on the market. David and Eric dig through the noise and talk about what they have seen over the past week of dissension from a market perspective.In this episode, you will learn:How the noise and lawsuits around this election may affect the marketWhy a divided government historically has had a positive effect on the marketWhy this can be an emotional time for investors and clients with the interim uncertaintyWhat is driving the federal reserveAnd more!Tune in now to learn more about how the results of the election are impacting the market.Resources: Synergy Capital Solutions | David Vallieres | Eric NahatHightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Collaboration and teamwork are what sets Synergy Capital Solutions apart.  In this episode, David Vallieres speaks with team members Norton Stern, Mark Burns and Jordann Andrusiak to provide a picture of the people who work together on behalf of the Synergy Capital Solutions client experience.In this episode, you will learn:How Mark and Norton brought their businesses together to create Synergy Capital SolutionsHow Synergy Capital Solutions works to serve their advisors and relationship managersHow the clients benefit from having a collaborative team approachAnd more!Tune in to learn more on the strength of the team!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Is it time to make a change in your professional or business life? David Vallieres is joined by Daniel Alfredson, Vice President of Client Services at Synergy Capital Solutions to discuss the tough questions that need to be answered when starting, expanding or exiting your businessIn this episode, you will learn:The types of businesses that Synergy Capital Solutions works withWhat questions you need to ask yourself before starting your businessHow the Synergy team can help with your exit strategyAnd more!Tune in to learn valuable information about starting your own, expanding, or exiting your business!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

When it comes to your finances, it takes a team to drive the ship. At Synergy Capital Solutions, we’ve built a team that has the answers to your questions and your best interest in mind. In this episode, David Vallieres is joined by Norton Stern, Anne Iwasko, Lisa Inman and Jeff Royse as he introduces to you the team behind the scenes that are committed to helping you create your financial plan.In this episode, you will learn:The role the service team plays in the office functionsHow Synergy Capital Solutions creates a  seamless experience between client and advisorWho tracks and monitors your accounts on a regular basisWhy it’s important to have a trusted team on your sideAnd more!From scheduling and marketing, to client concierge, tune in as David, Norton, Lisa, Anne and Jeff give you insight into  the office breakdown!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

A special needs trust is a specialized type of trust that is designed to provide services to help a beneficiary with a disability to obtain benefits and enjoy an increased quality of life.In this episode of Your Financial-Plan It, David Vallieres is joined again by Bill Brown to continue their series on estate planning, and to discuss special needs trusts with a very special personal story.In this episode, you will learn:What a special needs trust is and who it helpsThe benefits and potential drawbacks of this type of trustThe different types of special needs trustsBill’s personal connection with special needs trustsAnd more!Tune in to learn how a special needs trust can increase quality of life in applicable situations!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

It’s no secret that COVID-19 caused some big drops in the market, but recently, the rates seem to be picking up.In this special market update episode of Your Financial-Plan It, David Vallieres is joined by Mark Burns and Eric Nahat to discuss and update you on several market aspects that have been impacted by the pandemic. In this episode, you will learn:How the downward economic trends impacted markets, bonds, and investments How fiscal government policies supported financial re-opening How financial plans and emergency funds can ease the recovery process Some predictions for a possible second COVID-19 waveAnd more!Tune in to learn how the economic stimulus can help the markets recover more quickly. Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres is joined again by Mark Burns, CEO of Synergy Capital Solutions and Director of the Synergy Investment Committee. Today, Mark takes a deep dive into what goes into the portfolio construction of a well-versed financial plan.  Tune in now to learn how Synergy Capital Solutions takes the time to do the research to find the best possible solutions for their clients.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres is joined again by Jordann Andrusiak, and John McCarron team members at Synergy Capital Solutions. John splits his time between playing professional hockey and his financial career, currently studying for his CFP.  Today the team is taking the time to provide some explanation about some very important financial documents. Tune in now to learn how to you can ensure your wishes for your assets are adhered to incase the worst should happen.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres is joined by Bill Brown, a partner at Synergy Capital Solutions who also happens to be a member of the Synergy Investment Committee. Today Bill shares insights on who might be good candidates for advanced financial planning, and how to protect wealth in multi-generational families.Tune in now to learn more about advanced planning to see how you can ensure your wealth is shared for years to come.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres is joined again by Jordann Andrusiak, and Eric Nahat team members of Synergy Capital Solutions. Today they are discussing the apparent gap between the US economy and the stock market, and explaining its disconnect.  Also, they will provide some insight into what the Synergy Investment Committee is currently working on and what they are seeing for the future of the market.Tune in now to be kept up to date and don’t focus too much on the short term, the markets will survive beyond COVID-19.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The coronavirus pandemic is a unique crisis not only to the medical community but also to the investment community.But this isn’t the first time an unexpected event has rocked the investment world.  To help put the current pandemic into perspective, David Vallieres is joined by Norton E. Stern for today’s insight-filled episode. With 50 years of investment experience, Norton shares his experience with past market events and how he’s helped guide investors through the unexpected.In this episode, you’ll learn:How a plan can help you overcome uncertaintyHow past events have impacted the global economy What Norton has learned about the economy over the past 50 yearsAnd more!Join David and Norton now to gain a new perspective on the COVID-19 crisis and our economy!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres and returning guest Mark Burns, lead portfolio manager from Synergy Capital Solutions, to share updates on how consumer spending or lack thereof is affecting the markets due to the restrictions imposed because of the COVID-19 situation. From stocks and bonds to groceries, everything is being reassessed and the consumer is deciding what is most important in their life.Tune in now to learn to hear how great companies are adapting to the new way of commerce.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres is joined by the portfolio team at Synergy Capital Solutions, Mark Burns and Eric Nahat.  They are talking today about how COVID 19 has impacted the economy detailing some of the different ways the consumer is shopping and the creative ways businesses are adapting to that.  Also on how finding a COVID 19 vaccine may impact a potential recovery scenario. Tune in now to learn how to start preparing for what the new norm may be.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

COVID-19 has impacted many areas of our lives: our health, our daily routines, and our finances. Today, David Vallieres is joined with Dr. Jeff Allen of Synergy Capital Solutions to discuss the coronavirus crisis, covering everything from social distancing to the different financial consequences of this global pandemic.In this episode, you will learn:Dr. Allen’s experience with COVID-19 and the importance of social distancing If warmer weather could decline the spread of COVID-19How an emergency fund could help during difficult times The importance of considering financial and estate planning And more!Tune in to now for David and Dr. Allen’s insightful explanation of the medical and financial impacts of COVID-19. Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, David Vallieres is joined by Jordann Andrusiak, a team member of Synergy Capital Solutions and they are discussing the CAREs act recently passed by Congress and how it will affect the individual working person and retirees.Tune in now to learn how the government is helping individuals get through this time of self isolation.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Welcome to the inaugural episode of Your Financial Plan-It Podcast! In this episode, you will meet your host, David Vallieres, chief operating officer at Synergy Capital Solutions. Get to know David as he shares his firm’s financial-planning philosophy, how his role as a youth hockey coach influences his work, and more. In this episode, you will learn:About Synergy’s mandate when helping families and businesses  Who David Vallieres is: his leadership role, financial career, hockey, and family David’s best recommendation for clients, family, and friendsAnd more!Tune in now to the first official episode of Your Financial Plan-It Podcast!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, we share updates on how we are responding to the COVID-19 situation, how we’re assisting our clients, and what actions we’re advising investors to take during this time of uncertainty. Tune in now to learn how the markets are being affected and what we’re doing to help clients during this tumultuous time.Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special episode, you will meet your host David Vallieres, chief operating officer, and guest, Mark Burns, the CEO and lead portfolio manager of Synergy Capital Solutions. Listen in as they talk about the current market, the coronavirus effects, and how they help their clients during these stressful times.In this episode, you will learn:How historical events have helped Synergy Capital Solutions prepare their clients for market fluctuationsWhy today’s investors are more prepared for a market crash than in the pastWhy the coronavirus is not the only thing that’s impacting the marketsWhy it is important to have a strategic planWhat you can do to get through the market changesAnd more!Tune in now to learn how the markets are being affected and what Synergy Capital Solutions does to help clients during tumultuous times!Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.