Tag: Financial Advisor

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The Mortgage Process with Kevin Giza

The Mortgage Process with Kevin Giza

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When going through the process of obtaining a mortgage, you likely have a lot of questions. Like, what type of mortgage should you apply for, and at what term?

In this episode, Mike Dukovich sits down with Kevin Giza, president of The Giza Group, at Crosscountry Mortgage, LLC as they discuss mortgages. Kevin shares his knowledge of how the process works, what you need to know before beginning the process, and some tips on how to help you become the successful buyer of a home.

Kevin discusses:

  • What pre-qualification is, what it does, and how long it lasts
  • What you need to prepare ahead of time before beginning the mortgage process
  • The job of the underwriter and the processor
  • Types of mortgages and how they work
  • When refinancing makes sense
  • And more

Connect With Mike Dukovich:

About Our Guest:

Kevin is the president of the Giza Group and he’s the originating branch manager for the Pittsburgh office of Cross Country Mortgage, LLC. Kevin has been recognized as a top producing loan officer in Pittsburgh and nationally for many years, with numerous corporate awards, industry nominations and features in various publications over the last 20 years in the industry.

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The Importance of ESG in Investing With Kent McClanahan

The Importance of ESG in Investing With Kent McClanahan

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In recent years, we have seen an increase in ESG Scores being used to determine whether or not individuals get involved with a specific investment. 

ESG Scores are used to determine the efforts made by companies in the areas of environment, social and governance. 

In this episode, Mike Dukovich sits down with Kent McClanahan, vice president of responsible investing with RBC Wealth Management, as they discuss the topic of ESG in relation to investing. Kent shares information that points to ESG becoming something more people are looking toward when creating investment portfolios.

Kent discusses:

  • What ESG Scores are and how they are determined
  • Where you can find information regarding a company’s ESG
  • How companies are changing due to the popularity of ESG
  • Examples of environmental, social and governance factors fitting into ESG
  • And more

Connect With Kent McClanahan:

Connect With Mike Dukovich:

Resources:

The studies discussed in this podcast were:

About Our Guest:

Kent McClanahan is tasked with leading responsible investing efforts, including environmental, social and governance (ESG) and impact investing, in coordination with colleagues across the organization. His responsibilities in this role are advisor and client education, thought leadership and due diligence across a number of investment types and vehicles.

 

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The Universal Truths in Wealth Management, Part One

The Universal Truths in Wealth Management, Part One

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There are universal truths that you should be following that can help you make better and more informed decisions with your money.

In this episode, Mike Dukovich takes you through some of his own personal universal truths he has developed. Mike walks you through these truths and helps you understand what you need to know to make better decisions.

In this episode, you will learn:

  • The importance of saving earlier rather than saving more later
  • How to use the 50,30,20 Rule when budgeting
  • The difference between good debt and bad debt
  • How to identify how much money you will need in retirement
  • Why you should be aware of people in your life telling you what to do with your money
  • And more!

Tune in now to begin your journey towards learning some universal truths to wealth management and start being smarter with your money!

Resources:  RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com

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The Misconceptions of Annuities Addressed – with Michael Clark

The Misconceptions of Annuities Addressed – with Michael Clark

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For one reason or another, people tend to have misconceptions or confusion around the topic of annuities and whether or not they make sense in a wealth plan. 

In this episode, Mike Dukovich is joined with Michael Clark, divisional annuity consultant with RBC, as they discuss all things annuity! Mike shares an in-depth look at annuities and provides information about when each type might be beneficial. 

In this episode, you will learn:

  • What is an annuity? 
  • The types of annuities and how they work 
  • The pros and cons to using an annuity in your wealth plan 
  • Adding a living benefit rider to your annuity 
  • And more!

Tune in now to discover how annuities work, and if using one might be beneficial for your wealth plan.

Resources:  RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com | Michael Clark

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The Psychology Behind Your Financial Decisions

The Psychology Behind Your Financial Decisions

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Whenever you make a decision to enter or pull out of the market, there is behavioral psychology behind it. This psychology could be leading you to make the wrong decisions! 

In this episode, Mike Dukovich uses his background in psychology to speak about some of the most common biases that exist when making financial decisions. Mike talks about each bias, tells you what you can do so it doesn’t impact you, and provides an important lesson from each! 

In this episode, you will learn:

  • The concept of herding  
  • Availability bias in relation to finances  
  • Loss aversion and how it impacts investors  
  • The bias of confirming your wants 
  • And more!

Tune in now to join Mike as he uncovers some of the most common biases that our human psychology presents that could impact your decisions when it comes to money! 

Resources:  RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com

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The Importance of Staying Organized, Part Two – with Guest Jill Yesko

The Importance of Staying Organized, Part Two – with Guest Jill Yesko

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It’s possible to keep your memories alive while reducing clutter throughout your home — getting rid of physical items doesn’t mean you have to lose connection to the memories. 

In this episode, Mike Dukovich is joined once again by Jill Yesko, the Founder and President of Discover Organizing. Together, they dive deeper into organizing clutter and reveal the memories that can contribute to collecting. 

In this episode, you will learn:

  • How to start a conversation about organizing with friends and family
  • The importance of organizing memories as well as objects
  • The steps involved in a virtual declutter
  • The benefits of financial organizing
  • And more!

Discover the benefits of hiring a professional organizer, physically or virtually, in this episode of Beyond Your Money Podcast!

Resources:  RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com | The Importance of Staying Organized, Part One

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The Importance of Staying Organized, Part One – with Guest Jill Yesko

The Importance of Staying Organized, Part One – with Guest Jill Yesko

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Have you ever wondered what a Professional Organizer could do for you? 

In this episode of the Beyond Your Money Podcast, Mike Dukovich speaks with Jill Yesko, the Founder and President of Discover Organizing.  Together they dive into conversation about how a professional organizer could help you with your personal and financial life.

In this episode, you will learn:

  • How you can manage your financial mail and what you should be keeping  
  • Jill’s story to creating Discover Organizing  
  • What exactly a Professional Organizer does 
  • How Professional Organizers can help you manage your financial documents
  • And more!

Tune in now to the first part of the Importance of Staying Organized series to discover what exactly the role of a Professional Organizer is and how they might help you keep better track of your finances. 

Resources:  RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com | 

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The Financial Flow Chart

The Financial Flow Chart

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Have you ever wondered where to put your discretionary investable dollars, and in what order?

In this episode of the Beyond Your Money Podcast, Mike Dukovich provides a financial flowchart that will help guide you on what to fund and when. Mike breaks down a financial strategy that fits into every stage of life.

In this episode, you will learn:

  • In what order to put your money away
  • How to break your budget down into 3 basic categories
  • What the difference is between good and bad debt
  • When the best time to fill your financial buckets is
  • And more!

Tune in now to hear more about the financial flow chart with Mike Dukovich

Resources:    RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com

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Active vs. Passive Investments / Trusts with Attorney Jay Hagerman

Active vs. Passive Investments / Trusts with Attorney Jay Hagerman

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Ever wonder about trusts? There is so much conflicting information out there about trusts that it can be overwhelming.

In this episode of the Beyond your Money podcast Mike Dukovich talks about an ongoing debate by discussing the pros and cons between active and passive investments. Then, while going ‘Beyond Your Money’ he is joined by attorney Jay Hagerman of Abernathy & Hagerman – Elder Law. Mike and Jay dive into a specific estate planning tool; the trust – what are trusts, why they are utilized and who they make sense for.

In this episode, you will learn:

  • The various types of trusts 
  • The components and the various parties involved
  • What kind of rules you can create in your trust
  • When and who should consider a trust
  • And more!

Tune in now to hear more about this important building block for your estate with Mike Dukovich and Jay Hagerman.

Resources:    RBC Wealth Management | (724) 933-4446 | michael.dukovich@rbc.com

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Why Mike Focuses on Helping Young Professionals and Retirees Solve Their Biggest Financial Problems

Why Mike Focuses on Helping Young Professionals and Retirees Solve Their Biggest Financial Problems

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While many advisors are generalists, Mike enjoys working with specific kinds of clients. 

In this episode of Beyond Your Money Podcast, Mike Dukovich talks about why he enjoys serving young professionals and retirees. He walks you through solutions to young professionals’ top financial challenges, which professionals tend to embrace the planning process, and why his educational approach sets him apart from other advisors.

In this episode, you will learn:  

  • The number one mistake that young professionals make with their 401(k)
  • Why it makes sense for young professionals and families to save money in non-qualified accounts
  • The steps that make up the sequence of savings and why Mike recommends this approach to all young professionals
  • What helps retirees become more comfortable with spending money in retirement
  • Which professionals tend to click the most with Mike’s approach
  • And more!

Tune in to learn more about Mike’s approach and consider what it would be like to work together!

Resources:  RBC Wealth Management: (724) 933-4446 | michael.dukovich@rbc.com

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