Novem Nexus

By: ROC Vox Podcast Network
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  • Summary

  • Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various
    topics of finance, the stories, strategies, and psychology behind our financial decisions with
    host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by
    focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior.
    We explore not only the "what" and "how" of finance but, more importantly, the "why." At
    Novem Group, we believe that finance is not just about numbers and equations; it's about real
    people with real emotions. That's what this podcast is all about: understanding the reasons
    behind our financial decisions and uncovering the narratives that shape our financial lives.

    Novem Nexus is more than just a podcast. Connect with us on social media, share your
    experiences, and join the conversation. Together, let's navigate our financial narratives with
    confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Novem Group. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
    ©2024 Novem Group
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Economics Personal Finance
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Episodes
  • Health and Wealth: Financial Planning for Healthcare Costs

    Health and Wealth: Financial Planning for Healthcare Costs
    Nov 19 2024
    In Episode 1 of Season 2, "Health and Wealth: Financial Planning for Healthcare Costs," we explore the crucial role that healthcare costs play in financial planning, especially in retirement. We discuss how rising medical expenses and the limitations of Medicare create significant challenges for retirees and how these factors must be accounted for in a comprehensive financial plan.

    In the first segment, we focus on the increasing cost of healthcare, its impact on retirement savings, and strategies for managing out-of-pocket expenses. In the second segment, we discuss tools like Health Savings Accounts (HSAs), long-term care insurance, and self-insurance as methods to prepare for healthcare costs effectively.

    The final segment integrates healthcare planning into broader investment strategies, highlighting how adjusting risk tolerance and diversifying investments can support long-term medical needs. We provide actionable insights for listeners looking to incorporate healthcare planning into their financial strategies.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    25 mins
  • Estate Planning and Wealth Transfer

    Estate Planning and Wealth Transfer
    Nov 5 2024
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the "what" and "how" of finance but, more importantly, the "why." At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.

    Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    In this podcast episode, Greg Wagner guides you on a journey through the intricate landscape of estate planning, unraveling its importance, strategies, and the role of professional guidance. Segment 1, Understanding Estate Planning, lays the foundation by defining estate planning and elucidating its significance for individuals and families. We delve into the multifaceted goals of estate planning, from asset protection to legacy planning, and explore common components such as wills, trusts, and healthcare directives.Moving on to Segment 2, Wealth Transfer Strategies take center stage as Greg navigates strategies for optimizing the transfer of assets to heirs. After a brief overview of wealth transfer techniques, from trusts to gifting strategies, Greg examines some options to minimize taxes and maximize the value of assets passed to future generations.

    Segment 3 touches on tax-efficient strategies for preserving family wealth. Through discussions on estate taxes, gift taxes, and income taxes, listeners gain a deeper understanding of the importance of asset titling, beneficiary designations, and estate liquidity planning in optimizing wealth transfer efficiency. Real-life examples underscore the transformative impact of proper estate planning on preserving family legacies and minimizing tax burdens.

    Finally, in Segment 4 we underscore the Importance of Professional Guidance in estate planning endeavor, highlighting the benefits of collaborating with estate planning attorneys, tax advisors, and financial planners. A multidisciplinary approach in developing comprehensive estate plans is emphasized, with practical tips for selecting qualified professionals and fostering effective collaboration to ensure that listeners are empowered to dive into the complexities of estate planning with confidence and clarity.

    Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.
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    21 mins
  • Purchasing a Home: A Guide to Navigating the Journey of Homeownership

    Purchasing a Home: A Guide to Navigating the Journey of Homeownership
    Oct 22 2024
    Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    In this episode, Greg Wagner is joined by licensed real estate agent Stephen Cass to take listeners through the exciting and sometimes overwhelming journey of purchasing a home. They begin by discussing the importance of financial preparation, from assessing your budget to saving for a down payment and being ready for closing costs. For first-time buyers, understanding these key steps can make the process smoother and prevent surprises down the road.

    The discussion then shifts to mortgage options. Greg and Stephen break down the differences between fixed-rate and adjustable-rate mortgages, the benefits of getting pre-approved, and how to choose the right lender. These insights are crucial for homebuyers looking to secure the best deal and position themselves competitively in today’s market.

    Once listeners have their financials and mortgage options sorted, the focus turns to finding the perfect home. Greg and Stephen emphasize the importance of creating a list of must-haves versus nice-to-haves, researching neighborhoods, and working with a real estate agent who can provide local market expertise. These tips help ensure buyers make informed decisions that align with their long-term goals.

    After finding the right home, the episode covers making a competitive offer and navigating the closing process. From negotiating terms to conducting inspections and appraisals, Greg and Stephen highlight the key moments that can make or break a deal. By being prepared, buyers can avoid common pitfalls and enjoy a smoother closing experience.

    Finally, the episode wraps up with essential tips for first-time homebuyers, reminding listeners not to rush the process, stick to their budget, and think long-term about their future needs. Greg also stresses the importance of asking for help and utilizing the resources available, including real estate agents and financial advisors.

    Whether you’re buying your first home or adding to your property portfolio, this episode offers valuable insights into the entire home-buying journey.

    Greg Wagner is a Registered Representative with American Portfolios Financial Services, Inc. (APFS), Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser. APFS and Novem Group are independent and unaffiliated entities. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or American Portfolios Financial Services. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. (AP PMR #34375 5-23-24)
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    37 mins

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