A Down Market and Its Impact on Retirement Savings
Retirement month continues here at Wine and Dime. Ann Arceo is back with us to talk about the impacts that your retirement savings have during a down market, like we are seeing now.
What you will learn:
Impact on younger savers
Impact on those wanting to retire soon
Impact on those already retired
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
2016 Can't Stop Won't Stop — Element Winery
- Christopher’s Notes: The Can’t Stop / Won’t Stop is a blend of Cabernet Franc, Pinot Noir, Syrah, Gamay, Merlot and a touch of Blaufrankisch. It’s meant to be bright, fresh, and fruit forward for youthful consumption.
Element Winery
- A new vision for the Finger Lakes. Element Winery was founded to explore the extreme climate terroirs of the Finger Lakes region, to produce wines which express their origins without preconceived notions. We make delicate wines—low alcohol, higher acid, and balanced with a focus on mineral and floral aromas.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Planning For Retirement When You're in Your 40s
Kerrie is back with us in this Episode of Wine and Dime. We are talking about planning for retirement while you are in your forties.
In this episode you will learn:
How to map out conflicting goals
Types of savings vehicles
How to maximize the next 20 years
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
The Quincy Exchange | Dining in Corning, NY - Located in the heart of Corning, NY’s Gaffer District, The Quincy Exchange brings a vibrant and socially distanced dining experience to this historic neighborhood. Join us at the marble topped bar, in the socially distanced dining room, or in the bright, modern Garden Room, and experience, fresh, seasonal dishes complimented by a thoughtful bar program and curated wine list with carefully made selections from around the world. Best described as an American Bistro, The Quincy Exchange offers craft cocktails, exciting wines, and approachable beers alongside our Brunch and Dinner services.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Competing Priorities: Saving For Retirement, Building An Emergency Fund, And Paying Off Debt
In this episode of Wine and Dime we continue our topic of the month, Retirement. Becky Eason is back on the show to talk about some competing priorities. Saving for Retirement, building an emergency fund, and paying off debt.
In this episode you will learn:
How to set priorities with small step
Where to prioritize saving and how much to save
How to prioritize debt repayment
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Element Winery - A new vision for the Finger Lakes. Element Winery was founded to explore the extreme climate terroirs of the Finger Lakes region, to produce wines which express their origins without preconceived notions. We make delicate wines—low alcohol, higher acid, and balanced with a focus on mineral and floral aromas.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Retirement, Flipping the Switch
Wine and Dime welcomes back Kate Welker to the show. Kate is here to talk about retirement, and "Flipping the Switch" for retirement.
In this episode, you will learn
Steps to Prepare for Retirement
Ideas on how to get comfortable with changing the frame around “income” stream
Bucketing Your Assets
Book Recommendation - Flipping a Switch, Barbara O'Neill
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life
Leaving full-time employment to enter retirement often requires a 180-degree change in mindset and behavior from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require flipping a switch. Some changes happen suddenly like an on/off switch, while others happen over time like a dimmer switch. Some switches are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well.
Flipping a Switch discusses 35 financial, lifestyle, and social transitions you'll encounter upon entering retirement, including:
Full-time work to new pastimes
Saving money to spending money
Receiving a paycheck to creating a paycheck
Funding retirement savings plans to taking required minimum distribution withdrawals
Accumulating possessions to downsizing
Everyone has unique switches to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a How to Flip This Switch section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner© Dr. Barbara O'Neill will help you develop a plan to become your best future self.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Now That You've Graduated, How Do You Navigate Your First Job?
Wine and Dime Welcomes back Ann Arceo. Ann is here to talk about that first job after graduating, and how to navigate the benefits, savings, and your work-life balance.
Things you'll learn in this episode
Making a plan
Dig into Benefit options
Diversify your Savings
Diversify your time
Red Wines | Swedish Hill Winery - Bourbon Barrel Red and 2016 Optimus
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Treleaven Wines
Family Owned and Operated, Since 1984 Separator Image Our story begins with our founders Pete and Tacie Saltonstall. They wanted to start a winery inspired by the Burgundian ideal of a small family domaine that handles all the growing and producing of its own wines. A soup to nuts approach that lets us consider and control each part and process that our vines, grapes, and wines go through. When they started planting the vineyard their kids rode along in the tractor, or sat in a carrier placed in the shade to oversee the proceedings. Now those same children have grown up and added their own pages to the Treleaven story. In addition to our meticulous approach to farming and winemaking, Lev and Hattie have reimagined what a winery experience is like for our guests. In the same way that the Saltonstalls grew up as a family in the winery, scrambling around barrels and hiding under tanks, Treleaven is dedicated to making our guests feel at ease; not simply welcomed but welcomed home. Bring to us your laughter, and children, and memories, and allow us to become the backdrop of your life. Be it in the Hangtime outside listening to a band, in our traditional tasting room learning more about the wines, or in the Oak Lounge having a bite to eat and a local craft beer, come and join the family.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Saving for College - Early Teens Edition
Welcome to this edition of Wine and Dime with Amy Irvine. Kerrie Beene is back to share with us some insights on saving for college for your early teenagers.
What you will learn this episode
How to pay for college
Building Awareness on College Costs
Building Savings into the Budget
Home | Thirsty Owl Wine Company - Malbec
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Malbec - Thirsty Owl Wine Company
Malbec - An exceptionally rare find in the Finger Lakes. Estate grown fruit with hints of clove and nutmeg. Barrel aged for 15 months.
Malbec wine is known for its deep purple color and full body. Malbec grapes are small and dark in color with very thick skins, producing a wine that has rich fruity flavors and medium tannin levels. Malbec wines are often higher in alcohol than Merlot or Pinot Noir. Some bottles contain up to 15% ABV, so watch out for this boozy bottle if you’re trying to cut down on your alcohol intake. Malbec grapes are fussy and can be difficult to grow, so they’re grown in much smaller quantities than other more popular red wines. Malbec grapes do well in sunny climates that also have cold nights. High elevation spots are perfect, like the Mendoza wine region nestled in the foothills of the Andes in Argentina. In Bordeaux, France, Malbec is a popular blending grape. It’s often blended with Cabernet Sauvignon, Cabernet Franc, and Gamay to make Bordeaux blends.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Now That You Graduated, How Do You Deal With Student Loans
Becky Eason is back with us for this edition of Wine and Dime. We're here to talk about student loan, with some tips to think about while paying them off.
Amy and Becky’s #1 Tip - Know your estimated payment!
Things you'll learn:
Types of loans - subsidized, unsubsidized, private, PLUS, Grad PLUS
Type of Repayment Plans
How Interest is calculated and capitalized
Also see our guide: What Issues Should I Consider When Paying Off My Student Loans?
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Wine Recommendation of the Week:
Treleaven Wines - 2020 Cabernet Franc -
Composed of 75% Cabernet Franc, 23% Cabernet Sauvignon, and 2% Merlot, this vintage showcases a light fruit and cherry character, an earthy savory note, and a lingering finish. Winemakers Notes: Aged for 9 months to allow the wine to knit itself together at its own pace. Fermented at low temperatures to promote fruit flavors and delicate extraction while the caps were pumped over regularly. Food Pairing Notes: Steak au poivre, roasted pork loin with potatoes and herbs, baked brie with fresh blackberries, and roast chicken with herbes de provence.
Treleaven Wines -
Family Owned and Operated, Since 1984 Our story begins with our founders Pete and Tacie Saltonstall. They wanted to start a winery inspired by the Burgundian ideal of a small family domaine that handles all the growing and producing of its own wines. A soup to nuts approach that lets us consider and control each part and process that our vines, grapes, and wines go through. When they started planting the vineyard their kids rode along in the tractor, or sat in a carrier placed in the shade to oversee the proceedings. Now those same children have grown up and added their own pages to the Treleaven story. In addition to our meticulous approach to farming and winemaking, Lev and Hattie have reimagined what a winery experience is like for our guests. In the same way that the Saltonstalls grew up as a family in the winery, scrambling around barrels and hiding under tanks, Treleaven is dedicated to making our guests feel at ease; not simply welcomed but welcomed home. Bring to us your laughter, and children, and memories, and allow us to become the backdrop of your life. Be it in the Hangtime outside listening to a band, in our traditional tasting room learning more about the wines, or in the Oak Lounge having a bite to eat and a local craft beer, come and join the family.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
What to know about the FAFSA changes
Kate Welker is back with us this week to talk about some FAFSA changes. This is definitely an episode you'll want to use or share with those students or parents that will be filling out a FAFSA this year.
What you will learn this episode
Origination fees for student loans
Interest rates on Student Loans
The Changes to the FAFSA you should know
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Wine Recommendation
Bully Hill Space Shuttle Red
- A classic dry red with hints of ripe cherry, cranberry, and underscored flavors of fruit and oak.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Getting Organized: Saving for College When You Have Young Children
Welcome back Wine and Dime listeners. In this episode we welcome back to the show Ann Arceo. She is here to continue this month's theme of getting organized. This week's topic is about saving for college when you have young children.
What you will learn in this episode:
Ideas on how to make a plan early for education costs
Ideas on how to start saving small
If you are in a high deductible plan, fully fund your HSA
Thanks for listening and be sure to like, rate, subscribe and share.
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Coffee Recommendation of the week:
Finger Lakes Coffee Roasters
In 1996, Finger Lakes Coffee Roasters, Inc. first opened its doors on the banks of the Erie Canal in Historic Bushnell's Basin, New York. Bob Cowdery, the Roast master, has roasted coffee for many years in various locations. With this experience and the ability to roast in small batches, he and his partner, Larry Werges, are able to transform green coffee beans imported from around the world into rich aromatic coffees. Bob and Larry's passion for the perfect cup can be experienced in all of FLCR's blends, single origins, and flavored coffees!
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Getting Organized For Buying a Car
Wine and Dime is here to help you get organized for buying a car. Kerrie Beene is back on the show to walk us through how she gets organized for buying a car. She walks us through a recent purchase she made for her daughter. We think there are some great tips in here to help everyone who is looking to make a car purchase.
What you will learn:
Getting organized to buy a vehicle
Searching for the right vehicle
Plot out the comparison - purpose, price, and purchase
If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com
Or visit us at www.rootedpg.com/podcasts for full show notes and links!
Winery Recommendation
Song Hill Winery
Song Hill Farm was the home of Song Hill Thoroughbreds and H. James Bond Racing Stable for 25 years. In 2005 the horses moved to Mechanicville, NY and in 2009 we began converting some of the pastureland into vineyard. This year we planted 100 more vines and we plan to add more in the years to come. We received our Farm Winery license in the summer of 2013 and that fall marked our first full harvest.
THIS EPISODE WAS PRESENTED BY
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
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