Wine and Dime Episode 85 - Financial Planning and Family, with Taylor Anderson

Hello again Wine and Dime listeners. In this episode, I have the incredible pleasure of speaking with Taylor Anderson. Taylor is a CFP with Middleton and Company, a financial planning company specializing in helping you establish healthy financial habits that build a strong financial foundation. Taylor also spent some time in the Peace Corps and has proven to give her a unique view on helping anybody. This was a fantastic chat that I’m sure you all will enjoy!

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Taylor Anderson, CFP®

https://www.middletonand.co/

Taylor’s passion for personal financial planning started when she and her husband decided to take a break from their traditional career paths in Seattle to join the Peace Corps. She served for 2 years in Kyrgyzstan before joining her family-owned financial planning business in Vancouver, WA. She loves working with clients who are ambitious in both their careers and their hobbies and is most excited when she gets to hear about her clients’ travel plans. Her favorite challenge is to help her clients build flexibility into their financial plans so they’re able to enjoy the twists and turns of life as they come.

Taylor began her career in consulting and project management roles at large companies, so she knows what it’s like to make decisions on benefits, to advocate for herself in annual reviews, and to navigate corporate work environments. Taylor brings her prior experience to her financial planning work by adding creativity to the more technical things – think mindmaps, roadmaps, and her favorite…brainstorming with Post-Its!

On weekends you can find Taylor skiing or hiking in the backcountry. Weeknights very often include a run with a local run club and a good conversation over a beer or glass of wine.


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Walla Walla Valley Wine Alliance

The Walla Walla Valley Wine Alliance was founded in 2001 by the winemaking and winegrowing industry as a nonprofit membership marketing association who knew that success in marketing the Walla Walla Valley Wine Region could be found through a collaborative effort. Today, our values remain focused on Valley-wide success through collaboration of our nearly 150 members and community partners.

The primary mission of the Walla Walla Valley Wine Alliance is to build an internationally acclaimed Walla Walla Valley wine brand among consumers, media and trade by providing marketing programs on behalf of member wineries, vineyards, and partners. The Wine Alliance functions as the leading informational resource for consumers, media and members of the trade interested in learning more about the Valley’s wine industry.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 84 - Stop Treating Your Benefits Like Products - Tips for Open Enrollment

It’s that time of year again, yep, you guessed it… Open Enrollment time! And we here at Wine and Dime, and Rooted Planning Group want you to stop treating your benefits like products, and spend the time to find out what options you have available. That’s what this episode of Wine and Dime is all about. So join me in this short episode where I share some of the insights that I learned over the years to help you make more informed decisions with your open enrollments benefit options. Thank you for listening and if you liked this episode, be sure to, like, subscribe and share!!


Join other women for a powerful day out!

The 6th annual Southern Tier Women’s Financial Conference


Improve your mind, body and checkbook during a fun ladies day out!

Money isn’t one of those warm, fuzzy topics people like to think about, but the truth is, managing your money is critical for financial success. Statistics show that many times, women are responsible for managing the money in a household. 

If you would like to spend a fun and educational ladies day out updating yourself on different aspects of money, join us for the 6th annual Southern Tier Women's Financial Conference scheduled for November 16, 2019 from 8:00 a.m. to 3:30 p.m. at the Watson Homestead Conference & Retreat Center in Painted Post, NY.  It will be a great way to join other women as we learn how to improve our mind, body, and checkbook!

The hot topics that will be covered during the event include:

  • Ins and Outs of New Financial Products- Nancy Williamson, CEO, ServU Credit Union

  • Investing and What It Means to You - Caitlin Fuller CFP®

  • Discover the Power of Essential Oils - MaryAnn Combs, Certified Aromatherapist and Wellness Advocate for doTERRA International.

  • Yoga for Your Finances - Financial Self Care - Nancy Reigelsperger Cornell Cooperative Extension of Steuben County, Financial Educator

  • (W)health Care - Amy Irvine CFP®, EA, MPAS℠ Irvine Wealth Planning Strategies LLC

  • Understanding Your EOB's (Explanation of Benefits) - Kate Welker CFP®, Rooted Planning Group

The cost of $25 per person for ages 16 and older includes lunch, networking, the conference and the conference book. The day will include door prizes and other vendors and exhibitors. After October 18, 2019, the cost will be $35 per person. After November 10, 2019 and at the door the cost will be $40 per person.

Registration and pre-payment can be sent to Cornell Cooperative Extension of Steuben County, 20 East Morris Street, Bath, NY or purchased online at   bit.ly/womensfinanceconf19. For more details, call 607-664-2300 


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Blaufränkisch

VINTAGE: The 2017 vintage was a study on how much weather conditions can vary from year to year. The 2016 growing year was very hot and dry with very little precipitation. Winter before the 2017 growing season was cold but our vines survived without any damage. The 2017 growing season was cooler with ample precipitation all year long with plenty of sunshine. That made for a vintage with good production and plenty of time to develop complexity.

VINEYARD: Blaufränkisch was planted in 2014 on our Seneca vineyard located in Hector, NY in the warmest mesoclimate in the Finger Lakes known as the ‘Banana Belt’. Temperatures here are a few degrees warmer than Keuka thus providing riper fruit notes. Soils on Seneca are characterized by deep honeoye silt loam. A small portion of the blend comes from Eric Volz Vineyard, just north across the road from Dr. Konstantin Frank’s plantings on Keuka Lake. The vineyard was planted in 1985 by Walter Volz, the winery’s first Vineyard Manager. This vineyard is managed by Eric Volz, current Vineyard Manager for the winery, who worked alongside his father Walter and grandfather, Dr. Konstantin Frank. Soils here are shallow with high natural acidity and high amounts of shale. The vines are planted on 3309 rootstocks.

THE WINE: Medium intensity with dominant characters of blackberry, plum, black cherry and chickory and toasted rye. The fresh acidity makes it feel lighter on the palate. Dry with velvety tannins. Medium-bodied.

FOOD PAIRING: Tomato-based Sauces, Blackened Salmon, Hard Cheeses, Grilled Vegetables.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 83 - Coaching to Your Best Life with Judy Rowe

In this episode of Wine and Dime, I had the distinct pleasure of sitting down with the incredible Judy Rowe. Judy is a career consultant with experience in Coaching, Career Growth/Planning, Conflict Resolution, and Relationship Building. Her goal is to help people change, when change isn't easy and getting them comfortable with the idea of change and that fear is a barrier, not a wall. “Life doesn't always go as planned, but focus on achieving one thing to make that your success.”

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Judith A. Rowe Consulting, LLC

Facebook

Twitter

LinkedIn

Judy is passionate about using a strengths-based approach to help others realize their full potential in life. Her consulting company, Judith A. Rowe Consulting, LLC, has a focus on training, facilitation, coaching, and career development.

Judy holds a Bachelor of Science degree in Civil Engineering and a Bachelor of Science degree in Industrial Engineering from the University of Tennessee at Chattanooga. In addition, Judy earned a Master of Industrial Labor and Relations degree from Cornell University. She is certified to train StandOut Advantage.

During her 27-year tenure with Corning Incorporated Judy has held roles as Global Security Performance Excellence Champion, Project Manager, Training Systems Manager, Product Engineer, Sales Engineer, Customer Service Team Leader, Supervisory Effectiveness Instructor, Human Resources Manager, and HR Performance Excellence Project Manager. Prior to Corning Incorporated Judy held engineering positions with Mobil Corporation, Loudon County Sanitation Authority

Judy has a phenomenal family – husband, Joe, two sons, Joe and Jon, and their dog, Troy. Judy volunteers for many community activities. She is a member of Corning Hospital Board of Directors and related committees, Donald Guthrie Foundation Board of Directors, United Way, and Delta Sigma Theta Sorority, Incorporated. Judy served on the United Way Board of Directors and the Cosmopolitan Women’s Club Board of Directors.


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PINOT NOIR

Grown on a mix of sand and clay soils, this Pinot truly expresses the “terroir” of the Finger Lakes. Complex, yet delicate, this wine ages well for 3-5 years!

Tasting Notes

On the nose, sweet vanilla with hints of soft, smoky sweetness. Flavors of smooth sweet cherry lead to strong tannins with a smooth, fruit-driven structure.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 82 - Mindfulness with Krista Inochovsky

In this episode of Wine and Dime, I explore mindfulness with Krista Inochovsky. Krista is a dancer and a mom who wants you have the opportunity to start fresh, grow, and discover who you are each and every day. She inspires others to believe in themselves and to create a life that is enjoyable and fulfilling. This mission has led her to creating a business where she works with a wide range of clients, from business professionals to teens, on the benefits of mindfulness. This was a great interview that has great insights for anyone looking to understand a little more about the idea of mindfulness and how it may affect your personal financial goals.

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Meet Krista

Website: https://www.kristainochovsky.com

https://www.facebook.com/MPoweredteenmindfulness/

https://www.facebook.com/kristainochovsky/

https://www.instagram.com/teen_mindfulness_/

https://www.linkedin.com/in/kristasky/

Krista Inochovsky has been challenging entrepreneurs and professionals for years to expand their vision of life, love and success. Krista is the founder Expand Your Life, a  certified Life Coach and Mastermind Facilitator who helps people develop the skills they need to improve themselves and the world by unlocking their potential and pursue greatness. Opening your eyes to the power of perspective, Krista engages people to explore how they think, feel and perceive their life experience. Using mindset, meditation and even yoga as tools, Krista guides people to be powerful creators.  

Krista leads MINDFULNESS talks, workshops and programs for teenagers, professionals, entrepreneurs and people who do desire to live at the top of their game!

 Krista is an alumnus of UFC, Athena NextGen and has presented at Starter Studio, UFC Incubator, Microsoft, Blackstone Launchpad at UCF, is a contributor for Wisdom Times, FOX 35 and much more. 


It’s All In Your Mind

                 Creating a Mindset for Extraordinary Life, Love & Success

Your mind is working all the time. The question is what are you thinking about?

Replaying struggles of the past and fearing the unknown future is sabotaging your happiness and potential achievements.    

You are a powerful creator. If you are willing to take 100% responsibility for your life, thoughts and emotions THEN and only then can you tap into your full power.  Are you willing to step into your full power to create an extraordinary life of love, fulfillment, and success?

Your thoughts create your reality and shape your future. Let that sink it. Your thoughts create your reality. No one else can think for you. I teach my clients how to think differently to break the repeating patterns that keep them stuck and how to influence your subconscious to forge new paths for success in every area of life.


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Belle Glos

CLARK & TELEPHONE PINOT NOIR

Bright ruby red with fresh, vibrant aromas of wild blackberry, raspberry jam and cedar box accented by rich floral notes. This wine is juicy and generous on the palate with sweet cherry, field-ripened strawberry, cranberry and just-baked gingerbread. Perfectly balanced with bright acidity and a supple mouthfeel. Fine grained tannins provide an authentic textural distinction and structural depth.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

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AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 81 - From Active Duty to Financial Planner with Scott Vance

Hello Wine and Dime listeners! We are live at the XYPN Conference in St. Louis this week, with Military Veteran and Financial Planner Scott Vance. Scott’s practice specializes in military and military families and helping them secure their financial futures. In this episode Scott and I talk about deployment, military retirement, and life after the military. It was a great conversations, full of useful tips for any active duty or retired military. To hear more from Scott, be sure to check out his podcast Sheepdog Financial, where he covers a wide range of financial topics.

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Scott Vance

scott@taxvanta.com

https://www.linkedin.com/in/scott-vance/

Website: https://www.taxvanta.com/

Podcast: http://sheepdogfinancial.libsyn.com/

Scott is a financial advisor serving the greater Raleigh, NC area. He began his career in the financial industry soon after retiring from the Army. Scott's military background allows him to closely understand the issues faced by our military personnel, but he works with clients from all walks of life. His desire is to continue his service to individuals in need of tax and financial advice. He is currently an Enrolled Agent, a candidate for CFP® certification, will complete his second undergraduate degree in accounting in the spring of 2019 and will begin taking the exams to become a licensed CPA in 2019.

Scott was born and raised in Pennsylvania. He has lived in numerous US States and foreign countries as would be expected from a military member. The highlight of his overseas experience was a year spent in Kathmandu, Nepal advising the US Ambassador to Nepal on foreign military training.


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Yuengling

Traditional Lager

Famous for its rich amber color and medium-bodied flavor with roasted caramel malt for a subtle sweetness and a combination of cluster and cascade hops, this true original delivers a well-balanced taste with very distinct character. Born from a historic recipe that was resurrected in 1987, Yuengling Traditional Lager is a true classic.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 80 - Live at FinCon with Elder Laywer, Cathy Sikorski

Hi there Wine and Dime listeners, welcome to a very special edition of the show, where we are live at FinCon 2019. While here at the conference we were able to connect with a ton of people, and one of those people was Cathy Sikorski. This talk was a real treat, and we had a great conversation about elder law, and as Cathy pointed out to me, there is a big difference between elder law and estate law. And that is “Elder lawyer are for living people, Estate Lawyers are for dead people.” This was really engaging conversation that was enjoyed over a glass of wine, and I’m sure that you will enjoy the episode as much as I enjoyed sitting down with her!!

Cathy Sikorski

www.cathysikorski.com

Twitter - @cathy_sikorski

Email - cathy.sikorski@gmail.com

Cathy Sikorski has been a significant caregiver for the last 20 years. In addition to that, she has been a practicing attorney in her own practice, dealing largely in Elder Law, with over 12 years of education in issues dealing with Medicare, Medicaid and Social Security. She began her legal career in general practice in a small town where she grew up and was known to a large contingent of the population through her family. Many of her clients were older adults, which lent her practice to dealing with elder issues. During that time, Cathy went on leave to attempt stay-at-home mothering and ended up staying at home and mothering all kinds of people. First, her Nana came to stay. But since then, she has been the primary caregiver for her great aunt for seven years, her amazing mother-in-law until she almost reached 97 years old, currently her brother-in-law who is wheelchair bound and suffers from multiple sclerosis, and a very dear friend who is permanently disabled from an accidental brain injury four years ago. Fortunately, each and every one of these special people has a rockin’ sense of humor during medical appointments, nudity, and other areas of indignity (well, except the great aunt…who didn’t like to laugh). So this caregiving thing, yea, she’s got it covered, and is continuously consulted by everyone she meets about caregiving personally and with her legal background.


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Who Moved My Teeth?: Preparing For Self, Loved Ones And Caregiving

In Who Moved My Teeth? Cathy Sikorski, Esq. has combined her 25-plus years of legal and practical experience to bring you important information, tips and questions to ask when preparing yourself or your loved ones for the complicated future of healthcare and caregiving. This book is more than a quick guide book. Who Moved My Teeth? talks about everything from obtaining a power of attorney to preparing a living will. A must read for anyone who expects to age--which is all of us!


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 79 - Changing Mindset with Holly Segur

Welcome back Wine and Dime listeners! In this episode we explore the idea of Changing Mindset. My guest Holly Segur and I discuss this topic and how it can be helpful in any aspect of your life. Holly and I of course get the opportunity to chat about wine, career, life and variety of topics. All of which had some influence on her and lead her to starting her own Mentorship practice at www.hollysegur.com. This was a fantastic conversation that I’m sure you all will enjoy!! And thank you for listening

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Holly Segur

Webite: https://www.hollysegur.com/

HOLLY@HOLLYSEGUR.COM

Facebook - @intuitiveleadership

Holly Segur is a mentor for CEOs, high-level executives and entrepreneurs who are feeling overwhelmed and isolated in their quest to grow their business. As an experienced top executive in a Fortune 500 company, Holly understands the emotional burden that comes with growing and running dynamic businesses. With over 30 years of experience in corporate leadership, and after supporting hundreds of global clients, Holly is uniquely qualified to guide her clients through the diverse challenges of business leadership.

Her clients consider her their trusted advisor, biggest supporter and accountability coach rolled into one. Holly will get you feeling confident, creative, and at ease with the pressures of leading your company, while positively impacting business growth & results.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

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AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 78 - Planning for Retirement - Annuity Myths with Robert Barnes

Do you hate annuities? In this episode of Wine and Dime, I chat with Robert Barnes, and he’s here to share the facts about annuities! Robert is the President of Integrated Insurance Consulting. They partner with advisors to help them serve their client protection needs, and offer support with basic insurance, business, and estate planning. Roberts years of experience led to a great conversations with lots of stories that gives him great insight. This was a great conversation that gets you thinking about retirement and as the title says, tackles some myths about annuities. And even though Robert doesn’t consider himself much of a wine drinker, he shared an Almond sparkling wine that sounds great! So pop open a bottle of your favorite beverage and enjoy the episode!

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Robert M. Barnes, CLU, ChFC, CWPP™

Integrated Insurance Consulting, LLC

Phone: 708.307.2577
Email: rob@intinsconsulting.com

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With more than 25 years of experience in the insurance and financial services industry, Rob specializes in the use of life insurance for business and estate planning needs. As Founder and President of Integrated Insurance Consulting LLC, Rob partners with advisors to help them serve their client protection needs. Rob also serves as a Regional Vice President for One Resource Group.

Rob is a member and former board member and membership chair for The Greater Chicago Chapter of the Society of Financial Service Professionals. Additionally, Rob is a member of the South Cook County Estate Planning Council, and actively participates in an interdisciplinary study group involving professional advisors from the legal, accounting, investing and insurance fields. Rob regularly attends advanced planning seminars in his field, he is a CFP continuing education provider, and as a proficient public speaker, hosts educational events for advisors, as well as their clients, on a variety of insurance topics. Rob has also been quoted in and authored articles for several industry publications such as Advisor Today, NAPFA Advisor and Insurance News Net.

Rob is a graduate of The University of Illinois and holds the Chartered Life Underwriter and Chartered Financial Consultant designations from The American College. In 2007, he obtained his Certified Wealth Protection Planner designation from the Wealth Preservation Institute.

Rob resides in Orland Park, Illinois with his wife Rita and daughter Cassandra. He currently serves as a board member and active fund raiser for Park Lawn, an organization dealing with special needs children and adults. He enjoys music, travel and being a dad.

 


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Coopers Hawk Winery and Restaurant

The winery produces around 700,000 cases of wine each year, handcrafted from only the finest grapes and fruit available. Trucks packed with up to 20 tons of wine grapes from California, Washington, Oregon, and other grape-growing regions around the country are transported straight from the vineyard to the winery to begin the delicate winemaking process.

We understand that the best fruit produces the best wine and the winery's relationships with top growers throughout the country allows us to source from regions only where growing conditions have been ideal. The winery benefits from not owning its own vineyard or buying from one large supplier. Our winemaker is selective and buys the very best fruits from areas where seasonal conditions have resulted in the year’s most outstanding varietals, consistently producing award winning wines for Cooper's Hawk.


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ALMOND SPARKLING

SIGHT

Lemon yellow

NOSE

Powerful aromas of almond cookie, marashino cherry, and nutmeg

PALATE

Tastes just like an amaretti cookie in liquid form

PAIRING

Baked apples or apple pie, almond cookies, cheesecake


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Do you hate annuities?

In a recent USA Today article, Why I hate annuities: Here are the reasons these investments are bogus, Ken Fisher boldly starts out by stating “I’d die and go to hell before selling an annuity”. In his next breath he says he is not talking about single premium immediate annuities but seems to bash deferred annuities of any type.
“I’m not referring to simple immediate “fixed” annuities that convert one lump sum to income. Those can be OK, done right. But deferred annuities – “variables,” “indexed” and “deferred fixed” – are bogus. Here, you upfront cash for a contract that pays later. Meanwhile, your principal contract value supposedly grows.”
Hopefully Ken does really understand that a fixed or indexed annuity is going to grow guaranteed, not supposedly.
We often run into clients who want to protect their assets today and decide tomorrow what to do with them. They want to protect their principal from a sudden market decline they won’t have time to overcome. Fixed or indexed deferred annuities protect principal and grow tax deferred. Later, a client can decide to take an income.
Ken goes on to bash variable annuities because of their loads. Is he not aware of the VA’s available on RIA platforms? These plans offer much more competitive variable annuity products by lowering the fees inside and limiting insurance options and riders. These new products take some of the validity away from his statement.
It is his closing line which makes him look even more outdated and set in his ways
“Yes, my advice is conflicted – my firm often helps people exit deferred annuities. My opinion remains, regardless. All but simple immediate fixed annuities should be outlawed because buyers almost always misunderstand what they’re buying. It’s one step from fraud. Everyone deserves more transparent and flexible investments.”

At least Ken admits his conflict and bias and tells us he has no intent on offering insurance solutions no matter what their client needs or wants.

Click to read The USA Today article: Why I hate annuities: Here are the reasons these investments are bogus
The value of guaranteed lifetime income continues to rise.


A recent study sheds some light on a perspective Ken might be trying to share – income riders can be more costly than a SPIA. They came to the following conclusion: “The dominant guaranteed lifetime income alternative is GLWBs (Guaranteed Lifetime Withdrawal Benefit Riders) on Variable Annuities and Fixed Indexed Annuities primarily because they provide flexibility in the event of a change in circumstance. This comes at a cost, but historically not high enough to overcome the illusion of control.”

They also address Ken’s bias noting: “Historic emphasis on recurring commissions and/or AUM-based fees has disadvantaged the selling of income annuities”. In their closing action items, they note: “Many more retirees would elect annuitized income if presented the option. For many retirees, a mixture of both “lifetime annuitized income” and “ad-hoc discretionary withdrawals” from retirement savings may be optimum.”

Click here for the full study: 2018 Guaranteed Lifetime Income Study


Market forces show interest in annuities of all types.

Ken is certainly right about the fact that some clients are better off without an annuity. But the market forces continue to show interest in annuities of all types. For most people, running out of money is their biggest fear. Annuities are uniquely designed to provide a lifetime guaranteed income. Forecasted Monte Carlo analysis can leave some clients feeling queasy and uneasy. When you present the results to a 65-year showing they have an 85% chance their money will last to age 90, I assure you some clients are worried if they are in the 15% quartile in addition to the concern of living past age 90. Thus, the reasonableness of the income study premise that some mixture is best.

Behavior modification is a large part of financial planning. Perhaps Ken should open his mind and consider utilizing annuities in the retirement planning process for certain situations and clients. There are certainly clients who will sleep better and worry less if they had enough steady guaranteed income. They fit especially well for your more conservative clients in good health, especially if there is longevity in the family.


Interested in learning more about annuities? Join us on our next CFP® CE Webinar . . .


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 77 - YWCA Elmira CEO Serving in Life with Michele Johnson

On this episode of Wine and Dime, I get the opportunity to sit down Michele Johnson. Michele serves as the CEO of the YWCA of Elmira. We had a great conversation about the organization, how she became a part of it, what they do, and how you can help. So have a listen to this episode about a very passionate women who seeks to empower women of any age, race, or situation!


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Michele Johnson

CEO - YWCA Elmira

Like the majority of people in Elmira, I spent my youth in the YWCA pool and am now excited to be part of the team responsible for its future.  We are proud to be part of a national organization that has been on the forefront of the most critical social movements for more than 150 years— from women’s empowerment and civil rights, to affordable housing and pay equity, to violence prevention and health care.

In Elmira we have been supporting and empowering women and families for over 125 years with quality and affordable child care, women's health services, recreation and fitness classes, and education in a variety of areas. 

This year we have realigned, revamped, and revitalized our services and facilities but our purpose has never changed - to serve our community in as many ways as possible.  We are proud to live here and have the opportunity to serve you, our family and friends.

As we continue to evolve and grow we invite you to participate whether it be membership, attending events, using our services, donating, or just stopping by to see our changes. 

Thanks for your continued support of this amazing organization!


YWCA of Elmira

WHO WE ARE

The YWCA has been serving our community for over 125 years. In 1887, a home was established for young women leaving farms to work in industry. Since then, the YW’s programs have grown and evolved to meet community needs.

OUR YOUTH

We are the largest child care provider in Chemung County, offering quality care for pre-school through 6th grade. Our Kids World & Summer Enrichment programs serve over 700 children daily after school and holidays at 17 sites. Our Youth Leading the Way programming offers your middle and high school student after school programs and activities to keep them safe and involved while you work.

YOUR HEALTH

The YWCA’s Women’s Breast Health program has a certified “fitter” in our Pink Boutique who can fit a breast cancer patient properly with a quality prostheses, mastectomy bra and swimwear. They are also happy to fit any woman properly for any bra or swimwear. We provide breast surgery patients with a FREE post-operative camisole. We provide some emergency funding for breast cancer survivors.

YOUR WELLNESS

Our Water, Fitness & Recreation program has a heated pool, gym and health resources for you. We will teach your children how to swim.  We offer affordable and fun community swim times for families and groups.  We help you after you have had surgery or suffer from arthritis with our rehabilitative therapy aqua classes.  You can take an Aqua-Dance, Karate or Silver Foxes class.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 76 - CARE About Education with Judge John

Welcome back Wine and Dime listeners. In this episode, I welcome the Honorable Judge John Ninfo, II. Judge John is a retired bankruptcy judge who also founded CARE (Credit Abuse Resistance Education). In this episode, John shares some great stories about the importance of personal finance education, the founding of CARE, and we even talk about the wines that he likes and his true enjoyment of a good scotch. You can read some of Judge John’s weekly columns at mpnnow.com (search “Ninfo”).

If you enjoyed the episode, please be sure to rate and subscribe! And thanks again for listening!

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John C. Ninfo, II

Judge Ninfo was a bankruptcy judge for the United States bankruptcy court, Western District of New York. He was appointed to the bench in 1992 and served as Chief Judge from January 1, 2000 until December 31, 2006. After 2006 he served as a judge until December 31, 2011.

Education and early life

Judge Ninfo attended Georgetown University for his Bachelors degree in 1968 and Boston University for his J.D. in 1973. From 1968 until 1970 he served in the United States Marine Corps, becoming Chief Legal Clerk to the Judge Advocate General of the 4th Marine Air Wing.

Career

From 1970 until 1992 he engaged in private law practice with the Rochester firm of Underberg and Kessler, specializing in creditors' rights and bankruptcy law.

CARE program

In 2002, Ninfo founded the Credit Abuse Resistance Education (CARE) program. It is a personal finance literacy education program in which bankruptcy judges, trustees, attorneys and court staff go into high schools and colleges and meet with businesses, faith groups and veterans in an effort to educate them on staying out of debt and financial responsibility.


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CARE - Credit Abuse Resistance Education

CARE's mission is to educate individuals, with a focus on young adults, on the responsible use of credit and the fundamentals of financial literacy, as well as the potential consequences of poor money management and credit abuse.

Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach high school and college students about the responsible use of credit and the consequences of credit card abuse. Judge Ninfo grew the organization to have a national presence by helping other bankruptcy professionals start their own CARE programs across the nation.

Upon his retirement, Judge Ninfo turned CARE over to the American Bankruptcy Institute in Alexandria, VA, where it expanded and developed into a nationally branded organization. In 2016, CARE received its 501(c)(3) status from the IRS and has emerged as a national nonprofit community service organization dedicated to inspiring smart financial-decision making by students and young adults.

Now, 15 years after its creation, our organization recruits and trains professionals in the bankruptcy and other financial services fields, who are then invited to schools and other venues to teach the fundamentals of personal financial management.


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Wine For Normal People

This week we discuss Sicily, the largest island in the Mediterranean that has a wildness, a culture, and a wine portfolio all its own. From the islands that make luscious sweet wines, to the hot interior churning out fruity reds, to the elegant reds and whites of Mount Etna, Sicily has something for everyone and is on the rise.

Sicily Overview

  • Largest island in the Mediterranean, volcanic– huge with rough infrastructure

  • Harvest lasts for over three months, beginning in the August heat in Trapaniand ending in Mount Etna in mid-November

  • As the author Nicolas Belfrage, “Brunello to Zibibbo”, Sicily has the potential to be “California, Australia, Chile, southern France, Jerez and middle Italy all rolled into one”

  • Long storied history of winemaking traditions there exist since Greek, Roman and medieval times.

  • Number of DOCs: 23: Etna, Marsala, Moscato di Pantelleria (sweet wine), Cerasuolo di Vittoria (DOCG – mostly Nero d’Avola with some Frappato).

  • Also: Catch-all IGT Terre Siciliane (25% of the island’s production)

  • Main white grapes:Cataratto, Trebbiano, Inzolia, Grecanico, Chardonnay, Grillo, Viognier, Caricante, Zibibbo

  • Main red grapes: Nero d’Avola, Syrah, Merlot, Nerello Mascalese, Cabernet Sauvignon, Sangiovese, Frappato, Nerello Cappuccio

Leading Sicilian producers:

  • Benanti, Ceuso, COS, Corvo (Duca di Salaparuta), Cottanera, Cusumano, De Bartoli, Donnafugata, Feudo Montoni, Firriato, Florio, Frank Cornelissen, Gulfi, Il Cantante, Morgante, Occhipinti, Planeta, Regaleali, Tenuta di Fessina, Terre Nere


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

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AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 75 - Couples and Money

Welcome back to another episode of Wine and Dime. This week we welcome back Strong Roots host and colleague Kerrie Beene. Kerrie and I have a great conversation about couple and money. We discuss how financial stress can be a primary reason some couple argue, and can be a major factor in why some couple divorce. We discuss some strategies to be more open and transparent about money decisions that may lead to a better relationship. So sit on back, pop open a bottle of your favorite vino and enjoy this weeks episode!

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This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 74 - LoanBuddy Alex Bottom

Hey there Wine and Dime listeners! We’re back with another topic you know I’m passionate about… Student Loans…! I know what a surprise! Well, this weeks guest is the one of the co-founders of LoanBuddy, Alex Bottom. LoanBuddy is a new financial technology platform, with a focus on providing solutions for advisors who are student loan planning for their clients. Alex and I had a great conversation about what led him into helping people get their student loan debt under control. This is a great episode for anyone that may need some insight into student loans and where to go to find assistance. So Sip on back, pop open a bottle of your favorite wine and enjoy the show!

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Alex Bottom

Twitter - @ALEXBOTTOM

“I'm proud of the accelerating growth at LoanBuddy, now with 200+ Financial Advisors, that we call Members, who track and monitor over $100 Million of student loan debt on our platform. Our first beta users logged into a primitive beta in May of 2018 and we have gained tremendous insight from our community as we continue to build more features for them. I am on the Economics Leadership Council at my alma mater, the University of Southern California.”


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LoanBuddy.us

Twitter - @LoanBuddyApp

WHY LOANBUDDY

Finally, a real service to help you conquer your student loan debt.

There are over 100 different options when it comes to student loans. From different loan types, to different repayment plans, to forgiveness options, to more complex things like deferment and forbearance.

It’s confusing.

For years, borrowers have had to rely on the help from the loan servicers - which if you’ve watched the news lately - might not be the best.

And every year, as Congress tries to make things better, they just end up making things more confusing - and even scaring people with threats to end certain programs.

The fact is, student loans are confusing, scary, challenging, and more.

LoanBuddy is redefining what it means to get out of student loan debt.

Here’s what you get with LoanBuddy

  • Know The Lowest Repayment Plan For You - Free

  • Stop having to DIY your loans with LoanBuddy Plus

  • Get help for the life of your loans with LoanBuddy Lifetime

  • Connect with financial planners that really understand student loan debt


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Malbec is a purple grape variety used in making red wine. The grapes tend to have an inky dark color and robust tannins, and are known as one of the six grapes allowed in the blend of red Bordeaux wine. The French plantations of Malbec are now found primarily in Cahors in South West France. It is increasingly celebrated as an Argentine varietal wine and is being grown around the world.

Called Malbec in Bordeaux, Auxerrois or Côte Noir in Cahors, and Pressac in other places, the grape became less popular in Bordeaux after 1956 when frost killed off 75% of the crop. Despite Cahors being hit by the same frost, which devastated the vineyards, Malbec was replanted and continued to be popular in that area where it was mixed with Merlot and Tannat to make dark, full-bodied wines, and more recently has been made into 100% Malbec varietal wines.

The Malbec grape is a thick-skinned grape and needs more sun and heat than either Cabernet Sauvignon or Merlot to mature. It ripens mid-season and can bring very deep color, ample tannin, and a particular plum-like flavor component to add complexity to claret blends. Sometimes, especially in its traditional growing regions, it is not trellised and cultivated as bush vines (the goblet system). The wines are rich, dark and juicy.

As a varietal, Malbec creates a rather inky red (or violet), intense wine, so it is also commonly used in blends, such as with Merlot and Cabernet Sauvignon to create the red French Bordeaux claret blend. The grape is blended with Cabernet Francand Gamay in some regions such as the Loire Valley. Other wine regions use the grape to produce Bordeaux-style blends. The varietal is sensitive to frost and has a proclivity to shatter or coulure.

This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 73 - with Whealthcare Planning Co-Founder Chris Heye

In this episode of Wine and Dime, I get the opportunity to sit down with a co-founder of Whealthcare Planning, Dr. Chris Heye. We had a great conversation about the cost of health care and the impact it can have on your wealth, especially as you age. The inspiration that led him to being a part of this organization, and the passion he has is not something you want to miss. So, pop open a bottle of your favorite wine, or a nice Red Bordeaux, as Chris suggests, and enjoy the show!!

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Whealthcare Planning

Facebook - @whealthcareplan

Twitter - @whealthcareplan

Our story

We are a mission-driven company dedicated to helping individuals and families more successfully plan for the financial and emotional challenges associated with aging.

We provide a unique cloud-based platform offering a suite of innovative tools and educational materials developed in cooperation with thought leaders in geriatrics, psychiatry, and financial planning. Our approach is based in part on a clinical study and related work conducted in the psychiatry department at the Massachusetts General Hospital.

Our platform focuses on preparing individuals and families for four major life transitions that virtually all older adults confront: when to turn over financial decision-making, when and how to transition health care decision-making, when to change living arrangements, and when to quit driving.

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Chris Heye, PhD - Co-Founder

Dr Heye is the Co-Founder of Whealthcare Planning LLC and Founder and CEO of Cogniscient, Inc. and has extensive experience starting and running technology companies. After confronting dementia first hand in his own family and witnessing elder financial abuse in friends, he decided not enough was being done to protect the financial well-being of older adults. He co-designed and managed the clinical study “Cognitive Function as a Proxy of Financial Decision Making in Older Primary Care Adults” at the Massachusetts General Hospital which investigated the behavioral and cognitive underpinnings of financial decision-making. He is a member of the Financial Planning Association's (FPA) FinTech Advisory Group. He received his BA from Wesleyan University and PhD from the Massachusetts Institute of Technology.


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Burgundy wine 

Burgundy Wine is wine made in the Burgundy region in eastern France in the valleys and slopes west of the Saône, a tributary of the Rhône. The most famous wines produced here—those commonly referred to as "Burgundies"—are dry red wines made from Pinot noir grapes and white wines made from Chardonnay grapes.

Red and white wines are also made from other grape varieties, such as Gamay and Aligoté, respectively. Small amounts of rosé and sparkling wines are also produced in the region. Chardonnay-dominated Chablis and Gamay-dominated Beaujolais are formally part of the Burgundy wine region, but wines from those subregions are usually referred to by their own names rather than as "Burgundy wines".

Burgundy has a higher number of appellations d'origine contrôlée (AOCs) than any other French region, and is often seen as the most terroir-conscious of the French wine regions. The various Burgundy AOCs are classified from carefully delineated Grand Cru vineyards down to more non-specific regional appellations. The practice of delineating vineyards by their terroir in Burgundy goes back to medieval times, when various monasteries played a key role in developing the Burgundy wine industry.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM

Wine and Dime Episode 72 - Forward Thinking with Sue Gruber

Hey Wine and Dime listeners, welcome back for another episode, and thank you for listening. Today’s guest is Sue Gruber. Sue is a retired teacher who has started a new business called Forward Thinking Home Solutions. Forward thinking was born out of the struggles that she came across while remodeling her home, and thinking about her future. When you listen to how Sue became a certified aging specialist you’ll really respect the time and commitment that she has put into this encore career. So sit back, open your favorite beverage and enjoy the show.

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Sue Gruber

Forward Thinking Home Solutions

forward.thinking.homes@gmail.com

Sue Gruber's career choices and passion for remodeling and design naturally led her to earn the National Association of Home Builder's (NAHB) designation of Certified Aging-in-Place Specialist (CAPS). This subsequently led her to take NAHB continuing education classes for Universal Design/Build and Train-the-Trainer status.  

Years ago, as Pastoral Associate for the All Saints Parish in Corning, NY, Sue visited parishioners in nursing and assisted-living facilities and found that many of the residents were unable to go home only because their homes were unfit. This prompted her to renovate her own home, designing all of the changes and doing the majority of the renovations herself with the counsel of contractors and qualified advisors.  Intuitively, she used Universal Design elements throughout. Afterwards, she was encouraged to earn CAPS designation to help educate others in our area about Aging-in-Place and Universal Design.  She is passionate about educating others so that they can make good forward-thinking decisions when remodeling or building their home.

Sue is now a Licensed Approved NAHB Instructor and offers NAHB CAPS and Universal Design/Build courses for contractors, health professionals, designers, architects, and anyone interested in modifying or building a home.  Teaching these courses has been one of the most rewarding experiences for Sue, as it brings her in contact with dedicated experts from many fields related to aging in place.  Their stories are awe-inspiring. The sharing of experiences and expertise makes the class a well-rounded learning experience for everyone involved.  By the end of the three days, friendships have been formed and networks have been built.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 71 - Tax Planning for Retirement

Hey Wine and Dime listeners today’s episode is a little different then past podcasts.  Today it is just me, Amy Irvine. A few weeks ago I presented at a community event about taxes and retirement planning; the feedback I received was that they wanted to hear the presentation all over again to pick out different parts of the content.  So, I decided to record some of the information. If you are in your mid to late 40’s or older, this is an important episode for you. What should you can expect to learn from this episode?  

  • Tax Planning through Four Stages of Retirement

  • How Social Security and Working Income Intertwine

  • Information about Medicare 

  • How to “Bucket” Your Portfolio and Income

Click the buttons below for more information on Tax Planning for Retirement

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This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM

Wine and Dime Episode 70 - Psychology of Money

In this episode of Wine and Dime, I again chat with Kerrie Beene. Kerrie and I talk about the psychology of money, how affects our decisions and the impact it has on our mental health. I think that this was a facinating topic that I think all of our listeners can enjoy. So sit on back, sip your favorite wine, and enjoy the show.

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El Pensador - The Thinker

With slightly sharp, herbal red-fruit aromas, this representes the lighter side of Garnacha. In the mouth, it's choppy but fresh, while leafy flavors of plum, raspberry and peppery spice finish fiery and dry.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM


Wine and Dime Episode 69 - Coaching for Fiscal Fitness with Kerrie and Amy

In this episode of Wine and Dime, I got to travel down to Oklahoma to visit one of our financial planners, Kerrie Beene. While here we were able to celebrate Kerrie getting her CFP and visit a great winery here in Oklahoma, “Girls gone Wine”. We also jumped in our affiliation with Fiscal Fitness Club, and how the coaching goes on there. It was a great talk, and if you are wondering what the Fiscal Fitness Club was all about, than this is the podcast for you! Be sure to rate and subscribe and thanks for listening!


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Kerrie Beene, CFP®

FINANCIAL COACH

My own personal financial journey has taught me that while they're important, life is more than numbers. Finding joy in the journey towards personal goals is key. A smart plan with a lot of heart goes a long way to keeping daily financial decisions in line with your long term goals. I graduated from Southeastern Oklahoma State University with a degree in Business Administration  and hold a certificate in Financial Planning from Wake Forest University.  I passed the CFP exam in November of 2016 and I'm currently working towards my service hours. I began my career in financial planning by starting my own company, Beene Financial Planning. Having the desire to work as a team, I then joined Irvine Wealth Planning Strategies. My roots in Southeast Oklahoma  have given me great insight on the need for financial planning that is not just investment focused, but also on all the other financial planning decisions.  I enjoy, and work best, with those who are ready to take control of their finances and use their money to fulfill their goals and dreams.


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Fiscal Fitness Club of America

Our Philosophy

Fiscal Fitness Clubs of America believes that the purpose of money is to first create financial security and then to accomplish your goals, while matching your values. We believe that joy in life can’t be separated from money, and that reducing financial stress through the management of cash flow and assets can add more joy to your life than owning “stuff,” or buying experiences at the expense of your financial security. We also believe that “knowing” and “doing” are not the same. Our goal is to give you the knowledge and tools to manage your financial life, so you get what you want from your labor and money. We are all about empowering you, not about you needing us. Our goal is that, at the end of our relationship, you will have confidence in your financial path and feel comfortable knowing what you need to do to manage your financial resources and advisors. That doesn’t mean you might not prefer to delegate some or all of the tasks to us or someone else. Whether or not our relationship continues, our goal is that you will have confidence in your ability to make informed decisions.

There is an important consequence of this philosophy. You will be committing your time and energy on a regular basis to:

  • Gathering and sharing data

  • Completing assignments, such as meeting with your insurance agent or organizing your paperwork

  • Committing to becoming comfortable with technology as a tool to manage your finances

  • Acting upon mutually agreed recommendations


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Girls Gone Wine

Girls Gone Wine is more than just a great tasting room with great wines

It is a fun boutique winery with a funky, sassy gift shop. Though there is no vineyard, all the wine is fermented and produced on site--their slogan is "Girls Gone Wine...not Girls Gone Farming!"

Come join the FUN!

Free tasting since 2006!

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Spicy Sheilas, dry red wine

Overview

Sheilas in Australia means girls, which is why we chose this name for this Australian Shiraz, with hints of black fruits and spice. Australia is known for its kangaroos, and this one on the label ended up looking kind of like Scooby Doo... which we sometimes call him Scooby Roo!

Tasting Notes

Hints of black fruits and spice



This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM

Wine and Dime Episode 68 - "Throwing Light" on Brandy with Brandy Walker

Hello again Wine and Dime listeners. Today’s episode is one in which is a little deeper than usual.  I had the opportunity to sit down with Brandy Walker. Brandy is young woman who shares her story of strength and how she recovered from abuse.  She shares in how it influenced her life with a decision to become a therapist, to be able to help others overcome their own similar struggles. Brandy also has her own incredible podcast called “Throwing Light”… hence the name of the episode. So sit on back, pop open some wine and enjoy the show!


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Brandy Walker

https://www.brandyglows.com/

Instagram - @brandyglows

Twitter - @brandyglows

Facebook - Brandy Walker


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Throwing Light with Brandy Walker

The opposite of throwing shade, TL is explores the intersection of spirituality and mental health. With a hefty dose of metaphysics and a whole lot of vulnerability, TL asks questions like: What does it mean to co-create with the universe? Does magic exist? What can ordinary people do about the great injustices of our time? What does living a meaningful life look like? Can we make coffee a food group? Host Brandy Walker attempts to answer these questions, and start new conversations about old paradigms, all while being her awkward, adorable self.



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Fulkerson Winery

THE WINEMAKERS’ WINERY

We used to be a simple farm, growing raspberries & grapes. Then, we took it a step further; we acquired Jensen Juice and began to offer fresh grape juice to home winemakers. Before we knew it, our passion grew into the Fulkerson Winery you know & love today. We believe progression is natural, and we are proud to have become the winemakers’ winery.


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SYRAH ROSÉ

Our 2.88 acres of Syrah planted in 2014, is one of the largest plantings in New York of this early ripening, vigorous variety from the northern Rhône. The site we chose to cultivate this variety is on the furthest down-slope of our original 1805 farm. The site is well drained with deep Howard series soils. This site is steep and protected from strong winds, which also allows for good air drainage, protecting the site from both high and low temperatures throughout the year. Being a mid-ripening variety, we are able to select optimal flavor and sugar levels a little better than with some of our more traditional red varieties which ripen at the end of the season.
Exhibiting flavors of berry and red fruit, this delightfully balanced rosé will be sure to please. Pair with cheese, salads and good company. Perfect for any occasion!

Style:
Red, Rosé, Classic (Vinifera)

Sweetness:
Dry

Varietal:
Syrah (Shiraz)


his episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM

Wine and Dime Episode 67 - The ABC's of Medicare with Kim Anderson

Hello again podcast listeners. If you are a regular to the show, you know that June is a month I want to talk about aging and some of the concerns that go with that. That’s why I’m siting down with Kim Anderson. Kim is one of my Medicare experts. In this episode we talk about Medicare and Social Security and some strategies that may be available to you. I think this was a very informative episode that I’m sure you will enjoy. So “sip” on back and enjoy the show!

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A little bit about Kim Anderson....

I am a northern Minnesota native who has lived in the Fargo/Moorhead area since 1994.   I graduated from MSU-Moorhead with a degree in Construction Management and obtained my CPA designation in 2012 and have been involved in both business accounting and personal finance for many years.  

I served in the Air Force for 9+ years during Operation Desert Storm.  She also joined the Navy Reserves and was deployed for 10 months during Operation Iraqi Freedom.

I started my own financial planning firm called Young Living Financial in 2017 and, desiring to work with a team of other advisors, I joined Irvine Wealth Planning Strategies in 2018.

In her spare time, Kim enjoys home remodeling, reading, and genealogy, discovering "lost" relatives through DNA.


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Ithaca Flower Power IPA

Enjoy the clover honey hue and tropical nose of our celebrated flagship ale. Flower Power is simultaneously punchy and soothing with a big body and a finish that boasts pineapple and grapefruit. We hop and dry hop Flower Power four different times throughout the brewing process for a powerful floral hop experience. Rated the best IPA in New York State, Flower Power is highly regarded among the most discerning hop heads.

HOPS Simcoe, Centennial, Cascade, Ahtanum
DRY HOPS Chinook, Simcoe, Amarillo
MALTS Pale, Honey
ABV 7.2%


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM

Wine and Dime Episode 66 - Planning for Your Care Needs with Jill MacNeil

Hello again Wine and Dime listeners! In this episode, I had the opportunity to speak with Jill MacNeil. And we talked about Risk… more specifically the transferring of Risk. Jill is the Long Term Care Specialist with LLIS, which objective is to recommend the best solutions for your clients based on their individual needs, using low-load permanent life insurance and annuities when possible. I’ve often used LLIS when recommending coverage for a client of mine. This was an informative episode that I’m sure you all will enjoy as much as I did!

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Jill MacNeil

Advisor Services: Long Term Care Specialist

Words to Live By: Life is 10% what happens to you and 90% how you react to it.”- Charles R. Swindoll

Her reactions are pretty good. Jill spends most of her spare time on the tennis court and the golf course. And she spends 90% of her time in Tampa and 10% of it in Canada, where she's from and where her family remains (except her husband and two daughters).

Jill was one of the first LLIS team members hired and has worked with just about every solution we offer clients. Since 2009 she's been our long term care insurance specialist and is great at working with clients to be sure they are 100% sure what they are purchasing and why.


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Ravines Chardonnay

Tasting Notes

A Burgundian Chardonnay from the Finger Lakes that shows lovely, nuanced orchard fruit on the nose and delightful plumpness on the palate. The wine is nicely balanced and a delightful rendition of the grapes.


This episode was presented by

Amy Irvine

AND IN COLLABORATION WITH

The Seneca Lake Wine Trail

Amy.jpg

AMY IRVINE

ROOTED PLANNING GROUP

10 EAST MARKET STREET

CORNING NY 14830

WWW.ROOTEDPG.COM

EMAIL:  AMY@ROOTEDPG.COM