Category Archives: Finance

Episode 17 – Budgeting to Make Your Money Work for You — With Judy Lawrence



Agent of Wealth Podcast Summary

Have you prepared a budget that you stick to regularly? Wondering why you should?

In this episode of Agent of Wealth Podcast, Marc Bautis is joined by Judy Lawrence, a personal finance counselor, speaker on money management, and author of two financial bestsellers. Marc and Judy discuss the importance of budgeting and how to make your budget work for you.

In this episode, you will learn:

  • How a budget can make you feel liberated, rather than held back
  • Why it’s now easier than ever to create — and stick to — a budget
  • How to budget if you have a variable income
  • Why you should create a template for your monthly budget, but leave room for variable expenses
  • And more!

Tune in and embrace budgeting with Marc Bautis and guest Judy Lawrence!

Resources:  Bautis Financial | moneytracker.com | The Budget Kit: The Common Cents Money Management Workbook | Judy@moneytracker.com


Episode 16 – What Issues Should I Consider Before I Retire? – Part 2



Perhaps you feel emotionally ready to retire, but are you financially ready?

Stop the Google search and discover which financial issues to consider before you retire. In the final episode of this two-part series, Marc Bautis covers action items to take care of before retirement, including asset allocation, tax planning, and long-term planning.

In this episode, you will learn:

  • Why it’s important to consider how your investment objectives and risk tolerance may change once you retire
  • Why it’s essential to understand your annuity options and how to use them effectively
  • When required minimum distribution (RMD) comes into effect and how it affects your retirement accounts
  • How to use long-term financial planning to save money on taxes
  • And more!

Download this episode of Agent of Wealth Podcast and find out what to consider before you retire.

Resources:  Bautis Financial | What Issues Should I Consider Before I Retire? – Part 1 | Business Valuation Tool


Episode 15 – What Should I Consider Before I Retire?



Making the transition to retirement can be stressful unless you’re fully prepared for the financial, mental, and emotional changes that go with it.

In this episode of Agent of Wealth Podcast, Marc Bautis gives you an exclusive walk-through of his retirement preparation checklist and offers expert recommendations along the way.  

In this episode, you will learn:

  • How far in advance you should start running through the retirement preparation checklist
  • Why you may receive a reduced benefit if you start collecting Social Security before your full retirement age
  • What options to consider if you retire before you’re eligible for Medicare
  • Whether you can still use your health spending account (HSA) if you also have Medicare coverage
  • And more!

Tune in to this episode and take a tour of your retirement preparation checklist!

Resources:  Bautis Financial | Episode 10 – Financial Workshops Part 1: Maximizing Your Social Security


Episode 14 – How to Get That Student Loan Paid Off — With Guest Jan Miller of Miller Student Loan Consultants



You planned and saved for the cost of college, and then you spent more than you ever could have imagined. Let’s face it: Student loans are daunting, and you may need help to navigate the next financial steps.

In this episode of Agent of Wealth Podcast, Marc Bautis sits down with student loan expert Jan Miller of Miller Student Loan Consultants to explain how you can pay off student debt as efficiently and pain-free as possible.

In this episode, you will learn:

  • How Jan analyzes potential clients’ financial standings to determine their next steps
  • What the four pillars of student loan repayment are and the difference between each one
  • How working for a non-profit organization may save you money on loan repayment
  • How to tell if your debt-repayment plan is going to be the best plan for you
  • And more!

Listen in and learn about the benefits of creating a customized plan for your student loan repayment!

Resources:  Bautis Financial | Miller Student Loan Consultants


Episode 13 – 10 Cybersecurity Threats and How to Combat Them



As technology continues to advance, cybersecurity is becoming an increasingly necessary topic of conversation. In this episode, Marc and John from Bautis Financial share 10 of the most common cybersecurity threats for individuals’ and small business’ finances, and how to combat them.

In this episode, you will learn:

  • The importance of putting workflows in place to remain secure online
  • Why you should request a credit report twice a year
  • How to tell if an email is dangerous
  • Ways to strengthen your passwords to ensure security across platforms
  • And more!

Learn how to avoid cybersecurity threats today!

Resources:  Bautis Financial


Episode 12 – Cutting College Costs — With Guest John Williams



You’ve spent your life saving for your child’s education, and now the time has come for those savings to be used.

In this episode of the Agent of Wealth Podcast, Marc Bautis sits down with college planning expert John Williams to discuss how you can get the most out of your college savings.

In this episode, you will learn:

  • The importance of applying for financial aid, even if you think you’re ineligible
  • Which financial-aid applications you should fill out based on your situation
  • Why attending a college that’s not on the water may actually save you money
  • Whether you can exclude assets from your Expected Family Contribution (EFC) calculation
  • Why you should remain realistic and upfront when planning for college
  • And more!

Tune in and learn easy tips for cutting college costs!

Resources:  Bautis Financial | College Board Financial Aid Calculator


Episode 11 – Workshop Series Part 2: Planning for College—With John Williams



Even the least financially savvy people know that saving for college is a lengthy but important process.

If you’re not sure where to begin, let Marc Bautis and his colleague John Williams be your guides. In part two of the workshop series, Marc and John Williams cover the ins and outs of planning and saving for college.

In this episode, you will learn:

  • When you should start saving for your own (or your kids’) college education
  • Why 529 plans have become almost synonymous with college planning, and the benefits and downfalls of these particular plans
  • Why the biggest part of the Bautis Financial planning process is understanding the clients’ goals and needs
  • How investing in real estate may help you save for schooling
  • Why it’s important to be flexible with planning for college
  • And more!

Tune in now as Marc and John get you set up to plan for college!

Resources:  Bautis Financial | Financial Workshops Part 1: Maximizing Your Social Security


Episode 10 – Financial Workshops Part 1: Maximizing Your Social Security



Marc Bautis’ newest series covers content from the financial planning workshops that he and his team put on in North Jersey. In this first part, Marc teaches you how to maximize your Social Security benefit and he clears up common misconceptions along the way.

In this episode, you will learn:

  • How Social Security adjusts for inflation in the cost of living
  • What happens when the cost of benefits exceed the income that Social Security collects as part of payroll taxes
  • Why reforms to the system will be what makes (or breaks) the future of this benefit
  • About the top questions that clients ask Marc about Social Security
  • About the potential benefits of waiting to start collecting Social Security
  • How to maximize your Social Security benefit
  • And more!

Tune in now and learn how to maximize your Social Security benefit!

Resources:  Bautis Financial


Episode 9 – Understanding Risk in Your Portfolio



Right now the markets are a little precarious and have been more volatile in the last month than they have been over the past decade.

Are you wondering how much risk exposure you have in your portfolio?

Today, Marc Bautis explains how investors can incorporate enough risk in their portfolios to achieve their goals—while still feeling comfortable about their risk exposure.

In this episode, you will learn:

  • Why you can’t count on timing the markets
  • How Marc coaches his clients’ through their concerns about major drops in the market
  • About the tool that Marc uses to help clients determine the amount of risk they are comfortable with, and how he uses this tool to diversify their portfolios
  • Marc’s best piece of advice for 2019

Tune in now and gain clarity on your level of risk exposure!

Resources: Bautis Financial | Risk Tool


Episode 8 – This is How Successful People Achieve Big Goals



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A lot of people want to achieve big goals, like starting a business, losing weight, investing in a real estate project—or all of the above.

But many people don’t achieve their biggest goals. Why is that?

In this episode, Marc Bautis shares what successful people do differently to land their achievements.

In this episode you will learn:

  • The importance of setting SMART goals
  • How to set yourself up for success to achieve your goals
  • The importance of planning how you are going to achieve your goals
  • Why it’s important to not get caught up in the process of achieving your goals
  • How having accountability from another person might make the difference between achieving your goals or not
  • Why you should find a physical way to remind yourself of your goals

Tune in now as Marc shares successful people’s secrets to accomplishing their biggest goals!

Resources:  Bautis Financial