Category: Financial Advisor
How Can You Protect Yourself from Identity Theft and Fraud in Retirement? with Pete Belcastro, CFP® (Ep. 28)

How Can You Protect Yourself from Identity Theft and Fraud in Retirement? with Pete Belcastro, CFP® (Ep. 28)

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In this episode, Josh Leonard and Pete Belcastro, Financial Planner at Leonard Advisory Group, shine a light on a concerning topic that affects many retirees – identity theft and fraud.

Join them as they unveil practical advice that acts as your shield against these modern-day threats. Discover the power of freezing your credit, regularly monitoring your credit scores, and cultivating robust online security habits. Our experts leave no stone unturned to ensure you’re well-prepared for the challenges that may arise.

But it’s not just about digital defense. Josh and Pete emphasize the significance of maintaining financial discipline when using credit cards, ensuring your retirement nest egg remains secure. 

Stay in the know about current fraud trends and outsmart the scammers at their own game.

Pete and Josh discuss: 

  • Statistics on the prevalence of fraud among older adults
  • Protective measures individuals can take, such as monitoring credit scores and freezing credit
  • Importance of freezing credit to protect against unauthorized credit checks and potential identity theft
  • Practicing good online security habits, such as using strong passwords and utilizing features like face recognition or fingerprint scanning
  • Staying informed about current fraud trends, particularly phishing scams through emails
  • And more

Resources:

Connect with Pete Belcastro: 

Connect with Josh Leonard: 

About our Guest: Pete is a seasoned Financial Planning professional with over 15 years of diverse experience in financial, business, sales, and marketing domains. Presently, Pete serves as a financial planner, specializing in helping clients make decisions that align with their current and future financial requirements. His extensive career includes roles as an independent advisor, a registered assistant, and a licensed banker, providing him with a broad spectrum of financial expertise.

Pete’s belief in the value of a multifaceted background is rooted in his conviction that it enables him to offer clients a distinctive and ultimately more effective perspective when it comes to future planning and goal setting. He firmly believes that a comprehensive understanding, not just of financial matters but also of clients and their individual needs and desires, is the cornerstone of a robust financial plan. This holistic approach underscores his commitment to delivering the strongest financial solutions for his clients.

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Meet the Newest Member of Our Team: Pete Belcastro, CFP® (Ep. 27)

Meet the Newest Member of Our Team: Pete Belcastro, CFP® (Ep. 27)

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Get to know another puzzle piece that intertwines perfectly in the Leonard Advisory Group’s growing team…

In this episode, Josh Leonard is joined by Pete Belcastro, Financial Planning Consultant at Leonard Advisory Group. Pete shares his journey from cold calling to becoming an investment banker and then a Certified Financial Planner. Pete also discusses his passion for outdoor activities and his dedication to community service. 

Josh and Pete chat about: 

  • Pete’s personal background, including being a Pittsburgh native and a sports fan
  • Pete’s career journey into the world of financial planning and investments
  • The importance of comprehensive financial planning
  • His other certified hat: a father and husband
  • His involvement in the Reading is Fundamental program, which promotes literacy among elementary school students in Pittsburgh
  • And more

Resources:

Connect with Pete Belcastro: 

Connect with Josh Leonard: 

About our Guest: 

Pete is a seasoned Financial Planning professional with over 15 years of diverse experience in financial, business, sales, and marketing domains. Presently, Pete serves as a financial planner, specializing in helping clients make decisions that align with their current and future financial requirements. His extensive career includes roles as an independent advisor, a registered assistant, and a licensed banker, providing him with a broad spectrum of financial expertise.

Pete’s belief in the value of a multifaceted background is rooted in his conviction that it enables him to offer clients a distinctive and ultimately more effective perspective when it comes to future planning and goal setting. He firmly believes that a comprehensive understanding, not just of financial matters but also of clients and their individual needs and desires, is the cornerstone of a robust financial plan. This holistic approach underscores his commitment to delivering the strongest financial solutions for his clients.

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Can You Harvest the “Fruit” of Volatility? (Ep. 26)

Can You Harvest the “Fruit” of Volatility? (Ep. 26)

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Discover the secrets of wealth mastery as we unveil strategies that will work for you no matter what your portfolio looks like. 

In this episode, Josh unravels essential strategies for navigating uncertain financial landscapes, drawing insights from the practices of the ultra-wealthy and astute investors. Starting with the importance of diversifying a portfolio to mitigate market fluctuations, exploring options like fixed income and advanced strategies. We then delve into the concept of “dry powder” and how it empowers investors to seize opportunities without unnecessary trading. Advanced tax planning steps are also unveiled, offering potential avenues to maximize tax advantages. 

Josh discusses: 

  • Three hidden opportunities to take advantage of and two costly mistakes to avoid when the market is volatile
  • Essential questions to ask yourself in the process
  • The importance of partnering with knowledgeable financial professionals as trusted resources due to the current online climate 
  • Finding advanced tax strategies for wealth preservation
  • Importance of caution with investment trends and social media Influencers
  • And more

Resources:

Connect with Josh Leonard: 

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Empowering Families in Need: The Story of Christopher’s Kitchen (Ep. 25)

Empowering Families in Need: The Story of Christopher’s Kitchen (Ep. 25)

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When you’re in the hospital, the last thing you want to worry about is where your next meal is coming from. That’s the philosophy Christopher’s Kitchen bloomed from. 

In this episode, Josh Leonard is joined by Leonard Advisory Group’s very own client and good friend, Carol Hesz. As an ambassador for Christopher’s Kitchen, a nonprofit organization that provides food to families with children in the hospital, Carol shares how she got involved with the organization and her role in organizing food drives and fundraising events. She offers her experience with the need for access to food 24/7 in hospitals and how Christopher’s Kitchen fills that need. Carol shares heartwarming stories of how the organization has helped individual families and talks about the annual events they host. 

Carol discusses: 

  • The story of how Christopher’s Kitchen started
  • Aspects that Christopher’s Kitchen helps with such as access to food, saving money on eating out, and saving time
  • Services provided by Christopher’s Kitchen to families in need
  • What to expect at the annual Christopher’s Kitchen event including previous costume winners and the creativity of attendees 
  • And more

Resources:

Connect with Josh Leonard: 

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How to Choose the Best Place to Retire (Ep. 24)

How to Choose the Best Place to Retire (Ep. 24)

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Are you questioning whether you want to retire in your home state or venture into a different area during your golden years? 

Josh Leonard explores the topic of the best places to retire, depending on an individual’s savings and personal preferences. He explains the important factors to consider when making the decision to relocate such as thinking about the taxes, the cost of living, the proximity to family and friends and more.

In this episode, Josh covers: 

  • How to research the cost of living for the place you desire to relocate to
  • Getting to know the climate or seasonal changes in certain retirement locations
  • Considering the travel time to visit your loved ones, especially any kids or grandkids in your family
  • Looking for areas where it’s not going to be difficult to stay active and make new friends 
  • Thinking about healthcare needs before making a move in retirement
  • Considerations for living overseas in retirement
  • And more

Resources:

Connect with Josh Leonard: 

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How Can You Prepare for the Rising Cost of College? with Dan Cieniewicz (Ep. 23)

How Can You Prepare for the Rising Cost of College? with Dan Cieniewicz (Ep. 23)

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As your children get closer and closer to graduation, that education cheque is slowly becoming your reality. 

In this episode, Josh Leonard is joined by Dan Cieniewicz aka The College Dude, to discuss all things saving for college. They emphasize the need for parents to come up with a budget and consider sources of funding for college including the FAFSA process and recent changes to it. 

Dan and Josh discuss: 

  • Retirement benefits grandparents can receive through paying for their grandchildren’s education 
  • The challenge of integrating grandparents into the conversation about college funding
  • The importance of scholarships, grants, and choosing the right school for each student
  • The FAFSA Simplification Act and its implications for grandparent-owned 529 plans
  • The four fits and factors you need to consider before choosing a college 
  • And more

Resources:

Connect with Josh Leonard: 

About our Guest: 

Dan Cieniewicz works with parents of teenage children as they find themselves in a position to strategize to pay for college while also staying on track for retirement. Dan’s goal when working with clients is to explain the complexities of the financial aid & college application process and to strategize to make sure that both parents and children are set up for long-term success. 

Dan was born & raised in Berks County. He attended Albright College, majoring in Economics & Political Science and played on the football team.  Dan has obtained the CERTIFIED FINANCIAL PLANNER™ designation. 

Dan is the head girls basketball coach at Warwick High School in Lititz, PA and loves working out and playing basketball. He resides in Lititz with his wife, Carly.  He also became a father in March of 2022, to a beautiful daughter, Stella.

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Practical Tips for Traveling (Ep. 22)

Practical Tips for Traveling (Ep. 22)

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Dreaming of world travel but unsure how to do it safely?

In this episode, Josh Leonard dives into how you can transition into a retirement life filled with safe, intentional travel. Learn how to embrace the excitement of exploring new places while also ensuring your safety, health, and financial well-being.

We’ll cover:

  • Blending in and maintaining a low profile while traveling
  • The importance of having an emergency plan and what it should include
  • The essentials of a travel first aid kit
  • The need for short-term travel insurance and its implications
  • Why digital copies of your important documents are vital and how to securely manage them
  • The pros and cons of solo travel and maintaining connections back home
  • Strategies to stay sharp, alert, and aware, minimizing risks during your travels
  • The significance of an emergency cash stash and how it can be a lifesaver
  • And more!

Resources:

Connect with Josh Leonard: 

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Are You Thinking About Un-Retiring? (Ep. 21)

Are You Thinking About Un-Retiring? (Ep. 21)

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Retirement just isn’t what it used to be.  

In this episode, Josh Leonard discusses the concept of “unretirement” and finding a mission in the next phase of life. They challenge the conventional understanding of retirement, discussing the potential pitfalls, tax implications, and the emotional aspects of stepping away from a lifelong career.

Josh unpacks:

  • The future of retirement and how individuals are seeking purpose beyond the paycheck
  • Caution against claiming social security too early due to potential repayments
  • Reasons why individuals return to the workforce post-retirement
  • The emotional aspects of work: finding a mission, purpose, and social connection
  • How work can serve as a gateway to community involvement
  • Tax implications of relocating during retirement
  • And more!

Resources:

Connect with Josh Leonard: 

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Overcoming Challenges and Achieving Goals (Ep. 20)

Overcoming Challenges and Achieving Goals (Ep. 20)

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We’ve got our very own IRONMAN 70.3 Steelhead accomplisher in the studio! 

In this episode, Josh Leonard shares his experience completing a half ironman race. Despite facing thunderstorms and a delayed start, Josh was able to swim comfortably and exceed his expectations on the bike leg. He emphasizes the importance of focusing on what you’re good at and enjoy, both in the race and in retirement. Despite setbacks, including a shelter-in-place order, Josh remained determined to complete the race.

Josh discusses: 

  • The key takeaways from his training
  • Reflections on the value of accepting unexpected challenges
  • The importance of the loving support he received from his wife and the community around him
  • The importance of setting goals and staying motivated
  • How this relates to achieving the goals that you set for yourself in retirement
  • And more

Resources:

Connect with Josh Leonard: 

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5 Reasons to Ignore the Market When You Retire (Ep. 19)

5 Reasons to Ignore the Market When You Retire (Ep. 19)

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Are you worried about the market affecting your retirement plans?

In this episode, Josh Leonard talks about five reasons to ignore the market when you retire. He explains each reason and emphasizes the importance of the corresponding retirement planning steps. But ultimately, it’s all about sticking to a long-term plan. Just like climbing a mountain, reaching the peak doesn’t mean you’re done. Your investments need time to grow. So, relax and tune in to learn more about creating a solid financial plan so you can ignore the market.

The 5 reasons Josh discusses: 

  • You still have a long timeline
  • You have planned for your retirement income
  • You can reduce market risk with a proper tax plan
  • Planning for market corrections
  • You have an ample emergency fund

Resources:

Connect with Josh Leonard: 

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