Episodes

  • Are CDs "No Risk" ?

    Are CDs "No Risk" ?
    Sep 4 2024
    That's right, it's an episode on CD'S!!!
    WAIT
    Before you hit the Snooze Bar 💤...
    Why are some people seeking good ol' Certificates of Deposit in this high interest rate environment? How do they differ from Money Market accounts? Are they actually "no risk", "low risk" or something else? And just what IS the risk of a CD or Money Market?
    Hosts Dano Weir and Daren Blonski, CFP® dig in the investment you thought you didn't care about, CD's on this episode of It's All Money.

    Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

    References: https://www.investopedia.com/when-were-certificates-of-deposit-invented-5224230 https://www.forbes.com/advisor/banking/money-market-account/what-is-a-money-market-account/#:~:text=Money%20market%20accounts%20were%20created,interest%20rates%20on%20consumer%20deposits
    _____________________________________________________
    This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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    34 mins
  • The Back To School Choice That Could Be Costing you 155% MORE

    The Back To School Choice That Could Be Costing you 155% MORE
    Aug 20 2024
    Back to school costs are hitting all-time highs, but just what does that mean for the average family? Daren and Dan break down the averages category by category, float a theory about what's driving them and the shocking real-life test Dan ran that showed how your choice of store could increase your prices 155%. It's All Money is powered by Sonoma Wealth Advisors in Sonoma, CA. We value communication and education, and know that investments are just a piece of your financial puzzle. With this show, we offer our take on all the things that eventually hit your checking account.

    Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

    References:
    • https://www.marketwatch.com/story/families-will-spend-as-much-on-back-to-school-shopping-this-year-as-they-do-on-holiday-shopping-that-hurts-c4924bd1
    • https://www.nerdwallet.com/article/shopping/2024-back-to-school-shopping-report
    • https://www.cnbc.com/2024/01/24/many-americans-cannot-pay-for-an-unexpected-1000-expense-heres-why.html
    • https://capitaloneshopping.com/research/back-to-school-shopping-statistics/ _____________________________________________________
    • This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Show more Show less
    31 mins
  • Why Does The Stock Market Even Exist?

    Why Does The Stock Market Even Exist?
    Jul 31 2024
    You were born into this world and there just, *was* all this stuff- Nasdaq, S&P, futures, interest rates, bonds and now crypto.

    Did you ever wonder where it all came from? WHY it all came from?

    It's All Money Host and Sonoma Wealth Marketing Director Dano Weir sits down with Sonoma Wealth Co-Founder Chris Sipes CFP®, AIF® to discuss a tiny history of markets, why they happen and why they'll likely always happen. Plus enjoy a STUNNING story on why tulips in the Netherlands in the 1600s might mirror some of the biggest booms and busts in the history of the stock market.

    Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

    References:
    https://blogs.uoregon.edu/pogsforfun/ https://en.wikipedia.org/wiki/Buttonwood_Agreement https://en.wikipedia.org/wiki/Tulip_mania
    _____________________________________________________
    This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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    28 mins
  • Should I Put Everything In A 5% Money Market?

    Should I Put Everything In A 5% Money Market?
    Jul 17 2024
    It seems simple enough- "money markets" and other instruments are "paying 5% right now". Who doesn't want to make 5% on their money doing nothing? So should you shift your entire portfolio to something with purported reliable returns and alleged "lack of risk"? Wait...WHY are savings accounts paying 5%? It's All Money Host and Sonoma Wealth Marketing Director Dano Weir sits down with Sonoma Wealth Co-Founder Chris Sipes CFP®, AIF® to discuss the circumstances which have led to savings rates "partying like it's 2009" and potential upsides and downsides to making a move there. See the Slides and References here: https://sonomawealthadvisors.com/file/9/Its%20All%20Money%20Episode%202-Money%20Markets.pdf
    _____________________________________________________
    This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Show more Show less
    30 mins
  • 1 Change To Your Mortgage Could Save You 6 Figures

    1 Change To Your Mortgage Could Save You 6 Figures
    Jun 28 2024
    You pay your mortgage every month. But have you ever wondered what would happen if you paid it every 2 weeks instead? Daren and Dano run the numbers on a $500k scenario (which may work in some states, but perhaps not in others *cough* CALIFORNIA) and show the shocking impact of making just one more mortgage payment a year on your long-term financial picture. Plus enjoy a few fun financial happenings out the door including McDonald's new value meal and watch Daren's eyes roll back at the idea of a 24/7 stock market!

    References:
    https://www.dailymail.co.uk/yourmoney/consumer/article-13271893/mcdonalds-prices-doubled-ten-years.html

    https://www.nasdaq.com/articles/contemplating-24-7-trading-at-nyse

    Mortgage Numbers calculated with: https://www.mortgagecalculator.org/
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    24 mins
  • Episode 0 - 3 Moments From Your Life In Money

    Episode 0 - 3 Moments From Your Life In Money
    Jun 28 2024
    Introducing YET ANOTHER financial advisor podcast... It's All Money. But wait what's different? Your 401k, your kids Paw Patrol toy collection, quantitative easing and the rising cost of your Disney+ subscription all seem like wildly different topics. And yet to the average American, they all end up hitting your checking account one way or another. It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Not every listener will become a CFP, but any listener can learn a few things to have financial confidence and take control of your financial life.

    What Is Financial Confidence? Financial Confidence is an emotional state of understanding money. It is not necessarily having money. It is understanding the money in your life.

    Goal: Every episode you walk away with 1 takeaway to increase your financial confidence. Because at the end of the day, It's All Money. In this primer episode, hosts Dano Weir and Daren Blonski, CFP®, AIF® introduce themselves, the show and 3 moments that exemplify their life in money.

    Hosts: Daren Blonski, CFP®, AIF®, CEPA®, CDAA- The CEO and CFP, bringing over a decade of experience planning for hundreds of families in world-renowned Sonoma, CA. His unique blend of current market knowledge, economic theory and emotional intelligence provide critical insight to the reasons behind the trends and your behaviors. Dano Weir- An on-air media personality for 15 years, Dano has 0 licenses and letters after his name 😉. But his specialty lies in gathering complex information and communicating it respectfully to an audience of varying backgrounds. With a personal interest in empowering people to make informed money decisions, Dano knows just enough to be dangerous and is brave enough to ask the questions a listener might. Why did that stock go up? What happens with that money? Do I have to pay back a student loan? What’s the cheapest TV plan right now?
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    38 mins