Wine and Dime Episode 19 - Estate Planning with Tony Ford
Tony Ford
Ford Law
256 W 93rd St, New York, NY 10025
212-799-0631
hello@fordlegalplanning.com
Tony Ford founded Ford Law to guide other New Yorkers in crafting comprehensive yet affordable estate plans. Prior to founding Ford Law, Tony practiced law for six years at large firms in Manhattan and for three years at a financial services firm.
Tony lives with his wife and two boys in Manhattan's Upper West Side. His wife, Julie, is the founder of Ford Financial Solutions, LLC, a fee-only financial planning practice in New York City. Tony can often be found playing baseball in Riverside Park with his boys.
The Scotch
Highland Park Scotch
MADE WITH PRIDE ON ORKNEY
Our whisky, like our island home, is shaped by a wild climate and stormy seas, and by the Vikings who settled here over 1,000 years ago, leaving their mark on our people and our culture.
Compass Box Whiskey
Glasgow Blend
Blended Scotch Whisky
The second permanent whisky in the Great King Street range is full, rich and smoky on the palate with notes of baking spices and sherry wine notes.
The Wine
Bota Box Cabernet
Bota Box Cabernet Sauvignon offers aromas of black cherry and blackberry with a touch of violet and black peppercorn. Medium in body, this wine is supple and juicy with rich flavors of red currant, black fruit compote and spice on the finish.
Black Box Malbec
Luscious violet and blackberry aromas, with juicy plum flavors and hints of leather and chocolate. Black Box Wines Malbec has an earthy structure and balanced acidity that lead to a complex, velvety finish.
Chianti Classico
What Makes it Chianti?
Chianti Classico is a DOCG wine and shows unique peculiarities and characteristics. Simply said, it is not enough to be produced in within the Chianti region to be called a "Classico". In fact Classico wine has to respect specific rules. Its blend is 80% of Sangiovese, the red grape typical of this area, 20% of other grapes which include native grapes such as Canaiolo and Colorino, as well as other international varieties such as Cabernet Sauvignon and Merlot.
Its characteristics are a limpid ruby red color, floral notes for its odor and a harmonious, dry and sapid flavor with a good level of tannin. The minimum alcohol level should be 12 degrees.
This Episode of Wine and Dime was brought to you by:
AMY IRVINE
IRVINE WEALTH PLANNING STRATEGIES, LLC
10 EAST MARKET STREET
CORNING NY 14830
WWW.IRVINEADVISE.COM
EMAIL: AMY@IRVINEADVISE.COM
Wine and Dime Episode 18 - Estate Planning with Amy Refeca
Amy Refeca
@atlwillsandtrustslawgroup
@atlwills_trusts
In this episode of Wine and Dime, I chat with Amy Refeca. Amy is lawyer specializing in estate planning. In particular, estate planning for women...
Mother. Wife. Christian. Business owner. Attorney. Cardinals Fan. Lover of MLB. Helping Women Protect What They Love With A Will or a Trust.
We share financial stories and of course, talk about our favorite wines, or wine blends as it may be.
One thing that I found very interesting is what Any calls "The Six D's of Estate Planning. And these center around life events that may trigger an Estate Plan, or a need to revisit the Plan.
- Death
- Divorce/Marriage
- Birth Day
- Disabled or Illness
- Dividend or Income
- Distance. If you or someone moves a distance near or far away.
The Wine
Malbec sangria
Sangria is an alcoholic beverage of Spanish origin. A punch, the sangria traditionally consists of red wine and chopped fruit, often with other ingredients such as orange juice or brandy.
This Episode of Wine and Dime was brought to you by:
AMY IRVINE
IRVINE WEALTH PLANNING STRATEGIES, LLC
10 EAST MARKET STREET
CORNING NY 14830
WWW.IRVINEADVISE.COM
EMAIL: AMY@IRVINEADVISE.COM
Wine and Dime Episode 17 - Mental Health Stigma with Raquel Hinman
Raquel Hinman
Website: http://hinmanfp.com/
email: info@hinmanfp.com
Facebook: @hinmanfp
Twitter: @raquelhinman
In this episode of Wine and Dime, I chat with Raquel Hinman of Hinman Financial Planning. Her practice is best described as... well, I'll let you tell her herself...
"At Hinman Financial Planning, Inc., I strive to help busy individuals and families who are committed to creating better financial lives for themselves. By blending the art and science of financial planning with low-cost, diversified portfolios, we move beyond crunching numbers to connect your money with your values."
The Wine... Or in this case, the Tequila!!
DeLeón® Tequila
P Diddy's Tequila
Made from the finest 100% Highland Blue Weber agave sourced from the rich earth of the Los Altos region of Jalisco. DeLeón® achieves astonishing depth of flavor in just two distillations – allowing the tequila to retain the unique character acquired during the fermentation process. Our master distiller artfully cuts the beginning and end of the distillation, allowing only the absolute best portion, or Corazon, to find its way into every bottle, creating a subtle taste profile with unrivaled smoothness.
Displayed in a stunning bespoke bottle made from highest-quality fragrance-grade glass and boldly tattooed with the distinguishing mark of DeLeón®, each expression in the ultra-premium and luxury collections is strikingly defined.
Transcript
01:59 - Favorite Wine and Why?
Tequilla, Dark Beer, and then Wine
Dark Beer - Vanilla Stout
- Sweet Potato Stout
03:30 - Who is Raquel Hinman?
05:55 - Mental Health Partners Board information?
12:10 - What the organization does for people with mental health problems?
15:50 - How does serving on the board help in your financial planning practice?
18:45 - What do you find rewarding about serving for a cheritable organization?
21:20 - Raquel talks about her own firm and what led her to starting her own business
24:00 - Chatting about the clients and how they helped them achieve goals.
26:00 - Drawing parelles between mental health and financial wellness.
27:00 - State of Health Care in the United States.
28:40 - How health care affects your financial plan.
31:00 - Chat about the study group.
32:00 - My 7 years on this board has boiled down to "X"...
34:15 - Where can listeners find more information on mental health?
36:00 - How do you know the signs of mental health illness?
39:00 - Were you included in any money conversations as a child?
40:20 - Money Mistakes?
41:00 - What are your biggest financial concerns?
42:00 - Best and worst financial advice you ever recieved?
43:40 - Favorite Tequila? Puff Daddy Tequila, Silver Tequila.
45:15 - What's your defination of success?
46:50 - What feeds your soul?
48:30 - What is the one piece of advice that you can give to the listeners?
50:20 - What food pairing do you like with you tequila?
This Episode of Wine and Dime was brought to you by:
AMY IRVINE
IRVINE WEALTH PLANNING STRATEGIES, LLC
10 EAST MARKET STREET
CORNING NY 14830
WWW.IRVINEADVISE.COM
EMAIL: AMY@IRVINEADVISE.COM
Wine and Dime Episode 16 - Insurance Expert with Jeff Ryan
Jeff Ryan
The Ryan Agency
57 Broadway Mall
Hornell, NY 14843
Telephone: 607-324-7500
E-mail: Service@RyanAgency.com
In this episode of Wine and Dime, I pulled an old interview out of the archive. I sat down with Jeff Ryan of The Ryan Agency, to chat about Insurance and the important roll it plays in our financial lives. Jeff is the owner of The Ryan Agency located in Hornell NY, with offices also in Jasper and Wellsville, NY.
The Ryan Agency is an Independent Insurance Agency that represents YOU. We don’t offer a product from just one insurance company. Rather we provide insurance programs from many top insurance companies and tailor an insurance package that fits your needs and budget. For Insurance Protection You Can Rely On, it’s The Ryan Agency.
The Wine:
CABERNET FRANC
Cabernet Franc, one of the three pillars of the classic Bordeaux blend, has proven itself as a solid producer in the Finger Lakes wine region of New York. A lot of wineries prefer this as their staple red vinifera due to the vines shorter ripening period and cold tolerance. The key to making a fine Cab Franc starts in the vineyard. Pick too early and the wine will have an unsavory green bell pepper characteristic; pick to late and the fruit will be unsound leaving the winemaker rushing to stabilize the wine from spoilage.
Bully Hill makes a downright tasty Cab Franc with the grapes being sourced from Seneca Lake. The current 2013 vintage was fermented in Redwood open top fermenters for maximum tannin and color extraction. Once finished and pressed off, we fill up oak casks down in the cellar to bring this fine wine to fruition. We do small lot production of 500 cases a year and thanks to our happy herd of customers this wine sells out annually!
You notice the Owl on the label? This pen and ink was concocted by Walter S. himself, humorously illustrating his inability to use his last name during Bully Hill’s lawsuits with Coca-Cola. Walter S. Whoooooo, do you know Whooo? I know Whoooo! This wine truly is a hoot.
AMY IRVINE
IRVINE WEALTH PLANNING STRATEGIES, LLC
10 EAST MARKET STREET
CORNING NY 14830
WWW.IRVINEADVISE.COM
EMAIL: AMY@IRVINEADVISE.COM
Wine and Dime Episode 15 - Finding Financial Planning for a Disability with Gretchen Cladwell
Gretchen Caldwell
In this episode of Wine and Dime, I talk to Gretchen Caldwell. As an Advisor at EP Wealth Gretchen focuses on helping people navigate financial transitions in their life including retirement, career changes, divorce and the death of a partner or spouse. She has her series 65 license, a certificate in Financial Planning from Santa Clara University and has passed the Certified Financial Planner® exam. Prior to joining EP Wealth Advisors, Gretchen ran her own RIA, Pure Planning LLC, that provided financial planning services to Bay Area families. Gretchen received a BA in Economics from the University of Nebraska, where she was a 4 year starter on the women’s golf team. After college Gretchen spent 15 years in software sales and sales recruiting. She worked at several Bay Area start-ups including Ramp Networks, Interwoven and Savvius. Gretchen lives in Danville with her husband, Harrison, and son, Trey, and their two dogs. In her free time Gretchen enjoys reading, baking and spending time with her extended family.
The Wine
Frank Family Carneros Chardonnay
https://www.frankfamilyvineyards.com/wine/napa-valley/carneros-chardonnay
Carneros Chardonnay is barrel fermented in 34% new, 33% once and 33% twice-filled French oak barrels for 9 months. While ageing on the lees, the wine was hand stirred regularly to promote depth and longevity. This wine appears light straw in the glass with aromas of toasted brioche, baking spices, and candied lemon rind. On the palate, the Carneros Chardonnay is full-bodied and creamy yet balanced by its lively acidity; with nuanced flavors of yellow apple, lemon curd, baked pear, melon, and subtle hints of oak toast.
Amy Irvine
Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
Wine and Dime Episode 14 - First Ascent CEO Scott MacKillop
In this episode of Wine and Dime, I chat with the CEO of First Ascent Asset Management, Scott MacKillop. We chat about our favorite wines, “Flat Fee” asset management and much more! Thanks for checking out the show, and if you’re not already subscribe, please do at the links below!
Wine and Dime Website - https://goo.gl/oqh8sP
Itunes - https://goo.gl/JZE7GV
Google Play - https://goo.gl/GH2NY1
Scott MacKillop
Chief Executive Officer
scott@firstascentam.com
720.465.7893
Featuring a flat-fee structure and simply elegant portfolios, First Ascent is an investment firm where clients truly do come first.
What I do here:
I imagine how we can become more useful to the financial advisors and clients we work for and encourage my teammates to do the same. Then I guide the process of turning those ideas into reality. When I close my door and roll up my sleeves, I am most likely to be working on educational material for our clients or communicating with advisors about what we do, and how and why we do it.
Why I love my job:
After 40 years in the financial services industry, I want to see if I can do things better. I think we can create better portfolios for long-term investors through improvements in the processes and practices commonly used in the construction and management of such portfolios. We can help individuals become more successful investors by increasing their confidence and understanding of investment fundamentals through clear, concise communications. We can offer low fees for high quality investment management services and put a cap on the amount a client pays annually. If we do all that, we will make a difference in the industry and in the lives of the advisors and clients we work with.
The Wine
In most red Châteauneuf-du-Pape, Grenache noir is the most common variety, although some producers use a higher proportion of Mourvèdre. Grenache produces a sweet juice that can have almost a jam-like consistency when very ripe. Syrah is typically blended to provide color and spice, while Mourvèdre can add elegance and structure to the wine. Some estates produce varietal (100%) Grenache noir, while a few producers insist on using at least a token amount of all thirteen originally permitted varieties in their blend. One of the only estates to grow all these varieties and use them consistently in a blend is Château de Beaucastel
Châteauneuf-du-Pape red wines are often described as earthy with gamy flavors that have hints of tar and leather. The wines are considered tough and tannic in their youth but maintain their rich spiciness as they age. The wines often exhibit aromas of dried herbs common in Provence under the name of garrigue. Châteauneuf-du-Pape dominated by Mourvèdre tend to be higher in tannin and requiring longer cellaring before being approachable.
In most red Châteauneuf-du-Pape, Grenache noir is the most common variety, although some producers use a higher proportion of Mourvèdre. Grenache produces a sweet juice that can have almost a jam-like consistency when very ripe. Syrah is typically blended to provide color and spice, while Mourvèdre can add elegance and structure to the wine. Some estates produce varietal (100%) Grenache noir, while a few producers insist on using at least a token amount of all thirteen originally permitted varieties in their blend. One of the only estates to grow all these varieties and use them consistently in a blend is Château de Beaucastel.
Châteauneuf-du-Pape red wines are often described as earthy with gamy flavors that have hints of tar and leather. The wines are considered tough and tannic in their youth but maintain their rich spiciness as they age. The wines often exhibit aromas of dried herbs common in Provence under the name of garrigue. Châteauneuf-du-Pape dominated by Mourvèdre tend to be higher in tannin and requiring longer cellaring before being approachable.
Amy Irvine
Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
www.irvineadvise.com
email: amy@irvineadvise.com
Wine and Dime Episode 13 - The Six Letter "B" Word with the "Money Honey"
In this episode of Wine and Dime, I chat with Nancy "The Money Honey" Reigelsperger from Cornell Cooperative Extension. Nancy specializes in the financial services aspect of this organization. And as we chat about in this episode, the six letter B word... Budget.
The mission of Cooperative Extension is to enable people to improve their lives and communities through partnerships that put experience and research knowledge to work. Extension staff and trained volunteers deliver education programs, conduct applied research, and encourage community collaborations. Our educators connect people with the information they need on topics such as commercial and consumer agriculture; nutrition and health; youth and families; finances; energy efficiency; economic and community development; and sustainable natural resources. Our ability to match university resources with community needs helps us play a vital role in the lives of individuals, families, businesses, and communities throughout Tompkins County.
Cornell Cooperative Extension can be found on the web at http://putknowledgetowork.org/
If you haven't already, subscribe to Wine and Dime here:
The Wine: Miles Wine Cellars
Ghost Wine - Light, semi-dry white wine that’s a blend of 50% Chardonnay 50% Cayuga. Serve with a cheese and cracker tray or a perfect picnic lunch on the lawn.
The Bottle
The couple wanted a unique bottle to package their Ghost blend, so they hired Fred Wickham, of Canasta Designs in Watkins Glen, to dream up a fitting label.
By the time Wickham, Miles and Hayes had agreed on the finer details, they had designed a one-of-a-kind silk-screened bottle that casts an ethereal feel.
The image on the front of the bottle is a ghost-like silhouette of a woman. Through her skirts and the wine is the bottle, one can see a line drawing of the house, which appears on the back of the wine bottle.
Ghost Wine by Miles Wine Cellars
Two tiny figures – a man and a woman (see illustration at right) – are embracing on the front porch of the house. The couple’s image is repeated on the cork.”They had an idea they wanted to do a ghost bottle and I knew the story,” says Wickham.
One of the theories Miles and Hayes have heard about their ghosts revolves around a young couple who may have died tragically at the house. They haven’t been able to trace the legend to true roots, but were intrigued by the story and the recollections of the elderly woman who told them of her childhood experiences at the house. She never minded being punished when her parents sent her to her room, because she always had the company of a nice man and woman who would come out of the walls and visit.
The back of the bottle includes advice from Hayes, “Experience the spirits within,” as well as an invitation to visit the wine cellar’s web page to read some of the ghost stories or to add your own experience.
Wine and Dime has been presented by:
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
email: amy@irvineadvise.com
Wine and Dime Episode 12 - Common Cents with Jennifer and Laura
In this episode of Wine and Dime, I will be chatting with Jennifer Harper and Laura Coleman from Common Cents Financial Literacy, Inc.
“Common Cents is a 501(c)(3) nonprofit organization that has been providing practical financial education since 2005. They typically focus on students aged 16-22, a critical time for developing positive financial habits.
Being able to successfully manage personal finances is a critical skill that affects everyone, regardless of income. Unfortunately, it is rarely taught in an applicable way.
They don’t teach the old ‘if you save x per month at y% for 40 years, you’ll be a millionaire’ kind of classes. While all of that is true, they do our best to make it real.”
You can find Common Cents on the web at http://www.ccfli.org/
The Wines:
Blueberry Cider - From Apple Valley Orchards http://www.applevalleyorchard.com/
Zen of Zin - Zen of Zin was designed with one goal in mind: to capture the non-traditional Zinfandel consumer. For this consumer group, the “Way to Zinlightenment” is a blend specially crafted to be softer and sweeter than traditional Zinfandels in the Constellation Brands portfolio. Zen of Zin also offers a more lifestyle-driven approach to Zinfandel, encouraging wine drinkers to pour often, experiment freely, seek beauty, breathe deeply, and share wisdom.
Books Discussed in this Episode:
Happy Money: The Science of Happier Spending
https://www.amazon.com/Happy-Money-Science-Happier-Spending/dp/1451665075
Fun & Creative Dates for Married Couples: 52 Ways to Enjoy Life Together
https://www.amazon.com/Fun-Creative-Dates-Married-Couples/dp/1476747946
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
email: amy@irvineadvise.com
Wine and Dime Episode 11 - Career Changing with Linden Cornett
In this episode of Wine and Dime, I will be chatting with Linden Cornett. Linden founded Seagrass Financial (https://www.seagrassfinancial.com/) … Seagrass Financial is a fee-only financial planning and portfolio management firm. The mission of Seagrass Financial is to provide unbiased financial advice and portfolio management services at a fair price.
https://www.seagrassfinancial.com/contact
https://www.linkedin.com/in/linden-c-18aa192/
http://moneyboss.com/the-six-stages-of-financial-freedom/
The Wine discussed in this episode:
Sparkling Wines
We recommend a Keuka Lake winery Pleasant Valley
Great Western Sparkling Brut Rose
Great Western Sparkling Burgundy
https://us.nakedwines.com/products/f-stephen-millier-angels-reserve-cabernet-sauvignon-2016
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
email: amy@irvineadvise.com
Wine and Dime Episode 10 - Special Needs Planning with Todd Sensing
In this episode, I chat with Todd Sensing. As a father of two sons on the autism spectrum, FamilyVest’s founder Todd Sensing has a passion for helping families with special needs. After the birth of his boys, he quickly realized just how little guidance and how few resources there are for families like his. This added anxiety to what is already a challenging situation.
Italian Red Wines
https://www.winescholarguild.org/blog/top-ten-italian-red-wines-beginner-guide.html
From FamilyVest Website:
https://www.familyvest.com/special-needs-planning
https://cdn2.hubspot.net/hubfs/2998516/eBook%20Files/7.13.17ebookHubcopy-1.pdf
https://cdn2.hubspot.net/hubfs/2998516/9.1.Files/7%20KEYS%20TO%20FINANCIAL%20PEACE%20OF%20MIND.pdf
https://www.linkedin.com/in/toddsensing/
Amy Irvine of Irvine Wealth Planning Strategies, LLC
10 East Market Street
Corning NY 14830
email: amy@irvineadvise.com
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