Every fall, millions of people rush through open enrollment, clicking “keep last year’s choices” without realizing how much it can cost them.

In this episode, I break down how to approach open enrollment strategically so your benefits actually support your life and financial goals. Whether it’s choosing between an HSA or FSA, reviewing health plan options, or making sure you’re not leaving money on the table, this guide will help you make smarter decisions this year.

Open enrollment is more than just HR paperwork—it’s a chance to align your benefits with your financial plan.


Sid Misra, Certified Financial Planner™
Beacon Financial Group

'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

Thinking about buying a home? Wondering if you need an estate plan? In this episode, I sit down with Ruma Mazumdar, Esq, founder of Key Esquire®, to demystify the legal side of real estate transactions and estate planning.

We break down:
✅ What a real estate attorney actually does in NJ
✅ Why attorney review is essential—and not just a formality
✅ Common real estate contract traps (and how to avoid them)
✅ Estate planning basics: wills, trusts, powers of attorney
✅ What happens if you don’t have an estate plan
✅ Why title insurance matters—even when buying from family
✅ How to protect your home and legacy for the next generation

Whether you're a first-time homebuyer, a real estate investor, or want to protect your family’s future, this interview is packed with legal and financial insights you need to hear.

📍 Ruma is a licensed attorney in New Jersey and New York, and she brings a modern, client-focused approach to law that empowers homeowners, couples, and professionals to make confident decisions.

👉 Learn more about Ruma Mazumdar and Key Esquire®:
🌐 Website: https://www.keyesquire.com
📸 Instagram: @keyesquire

Sid Misra, Certified Financial Planner™
Beacon Financial Group

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/

Gautam Misra
Beacon Financial Group

Should you lend money to family or friends? What if your partner disagrees? In this episode of Love, Marriage, and Finances, Sid Misra CFP® breaks down the emotional and financial risks of lending to loved ones—and how to navigate it as a couple.

💸 Lending money to family is common, but it’s also complicated. Studies show that 42% of people who lend to loved ones never get paid back. That can create stress not just between the lender and borrower—but also between spouses.

In this episode, you'll learn:
✅ How to talk with your spouse before lending money
✅ Questions to ask before saying yes
✅ Why you should never lend money you can’t afford to lose
✅ What to include in a written loan agreement
✅ The tax and legal issues you can’t ignore
✅ Alternatives to lending that still support your loved ones

Whether you're newly married or years into your relationship, understanding how to handle financial requests from family and friends is critical for protecting your relationship and your finances.

👍 Don’t forget to like, subscribe, and share if this helped you!

💡 About Love, Marriage, and Finances: A YouTube series hosted by Certified Financial Planner™ Sid Misra, focused on helping couples navigate love and money. From prenups and financial planning to debt, budgeting, and retirement, we cover it all.

🧭 About Sid:
Sid Misra, CFP® is a Certified Financial Planner™ with Beacon Financial Group and LPL Financial. He helps individuals, couples, and families - especially those preparing for retirement - gain clarity, confidence, and control over their financial lives. 

From investment strategies and tax planning to navigating complex life decisions, Sid provides personalized, relationship-driven financial planning tailored to every stage of life.

🔗 Connect with Sid:
🌐 Website: sidmisra.net/
📅 Schedule a call: go.oncehub.com/SidMisra
💼 LinkedIn: linkedin.com/in/sid-misra/
📱 Instagram: @SidMisraFinance
🎧 Podcast: mpoweredfinance.buzzsprout.com/


Gautam Misra
Beacon Financial Group

 Are the latest headlines about tariffs and market volatility making you nervous? You're not alone. 

In this video, Certified Financial Planner™ professional Sid Misra breaks down what’s really happening with the recent market drop—and how smart financial planning helps you stay grounded during uncertain times.

You'll learn: 
✔️ Why markets reacted to new tariffs
✔️ What rising inflation and slower growth could mean
✔️ How diversification protects your portfolio
✔️ Why preparing beats predicting in volatile markets

Whether you're close to retirement or just starting out, this is the clarity you need to make confident financial decisions—no matter what the news says.

👉 Need help building a plan? Let’s talk: www.sidmisra.net

Sid Misra, Certified Financial Planner™
Beacon Financial Group


#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #federalreserve #interestrates #mortgage
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF 

In this episode of Love, Marriage, and Finance, host Sid Misra CFP® sits down with Lindsay Heller, a Family Law Attorney at Fox Rothschild, to demystify prenuptial agreements and provide expert insights on this often misunderstood topic.

💡 Key Topics Covered:
- What exactly is a prenuptial agreement and why might you need one?
- The changing demographics of prenups - why they're becoming more common
- How to have "the conversation" about prenups with your partner
- State-by-state differences in prenup laws (focusing on NY and NJ)
- Common misconceptions about prenuptial agreements
- The real costs of getting a prenup
- Post-nuptial agreements - what you need to know
- Expert tips for creating an enforceable prenup

⚖️ Featured Expert:
Lindsay Heller - Family Law Attorney at Fox Rothschild
Specializing in divorce, child custody, support, and prenuptial agreements

🔗 Connect with Lindsay Heller:
LinkedIn: https://www.linkedin.com/in/lindsay-a...
Instagram: @lindsalahthelawyer
Website: https://www.foxrothschild.com/lindsay...

💰 About Love, Marriage, and Finance:
Join Certified Financial Planner™ Sid Misra CFP® as he explores the intersection of love and money, helping couples navigate important financial conversations and decisions together.


I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

You can claim Social Security as young as age 62.  So why wait?

Listen to this newest episode of Money Matters to find out why Gautam Misra waited until age 70 to claim his benefits.

Learn what to consider when making your own claim as well as what Social Security misconceptions are totally wrong!

Sid Misra, Certified Financial Planner™
Beacon Financial Group


#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #federalreserve #interestrates #mortgage #marriage #Divorce #Prenuptialagreement #prenup
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

Wondering if you need a prenuptial agreement?

The surprising truth is that EVERYONE who gets married already has one - but it might not be the one you want!

In this episode of Love, Marriage, and Finances, Certified Financial Planner Sid Misra breaks down everything you need to know about prenups.

Learn why prenups aren't just for the wealthy and discover:
✅ Why your state's default divorce laws might not work for you
✅ Who really needs a prenup (hint: it's more people than you think!)
✅ How to protect your assets, business, and inheritance
✅ Tips for having "the prenup talk" with your partner
✅ How you should set up a prenuptial agreement
✅ How to protect children from previous relationships

💼 Special Episode Alert: Stay tuned for our next video featuring an exclusive interview with NJ attorney Lindsay Heller for expert legal insights on prenuptial agreements!

🔔 Subscribe and hit the notification bell to join our community of financially savvy couples. New episodes every week covering everything you need to know about merging love and money.

Sid Misra, Certified Financial Planner™
Beacon Financial Group


#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #federalreserve #interestrates #mortgage #marriage #Divorce #Prenuptialagreement #prenup
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

The Federal Reserve just cut interest rates by 0.5% - the first reduction since 2020! 

Learn how this major economic decision impacts YOUR wallet, from mortgage rates to investment accounts. 

In this video, Sid Misra- Certified Financial Planner, will breakdown:
✅ What the Federal Reserve actually does (in simple terms) 
✅ Why interest rates were so high to begin with 
✅ The real reasons behind this rate cut 
✅ How this affects YOU - mortgages, car loans, and savings accounts 
✅ What you should do next with your money

Whether you're looking to buy a home, invest in the stock market, or maximize your savings, this video is essential viewing. 

Get practical tips and expert insights on navigating this significant economic shift.

💡 Subscribe for more financial insights and practical money advice!



Sid Misra, Certified Financial Planner™
Beacon Financial Group


#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #federalreserve #interestrates #mortgage
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

In the first episode of our new series, Money Matters with Sid and Gautam Misra, we dive into the economy, stock market, and discuss wealth.

This is an episode you won't want to miss!


Sid Misra, Certified Financial Planner™
Beacon Financial Group


#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

Before students leave for college they MUST sign these 5 legal documents.

Find out which ones in this video!

Sid Misra, Certified Financial Planner™
Beacon Financial Group

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

Join me for a very special episode of Love, Marriage, and Finances where I interview my dad, Gautam Misra.

Gautam has been a financial advisor for over 30 years and a married man for 40 years, which makes him a great guest for the series!

Learn his tips for merging love and money and hear his honest opinions on my/his son's finances!

Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

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I had a big tax bill in April and I don't know why?

Why did I owe money?

Check out this episode to find out 5 reasons why you owed money and what you can do to prevent that going forward!


Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

Join me for this very special episode of Love, Marriage, and Finances where I interview the amazing Christine Luken, a Financial Dignity Coach and author of ""Money is Emotional: Prevent Your Heart from Hijacking Your Wallet."

Christine has helped many individuals and couples take control of their finances while managing their emotions and their relationships.

Hear about her own story and the financial mistakes she made with her ex, as well as her advice for taking back control of the situation and your life. 

During our conversation, she gives out real-world advice for couples struggling with financial issues like:

💸 Communicating openly about money (without World War 3 erupting)
💸 Getting on the same page with budgeting and goals
💸 Letting go of guilt, shame, and resentment around finances
💸 Creating a healthy, positive money mindset together

Whether you're newlyweds, long-married, or simply looking to level up your financial situation, Christine's wisdom is something we can ALL benefit from.

She does an amazing job sharing her knowledge and experience while offering helpful tips to put more love (and less stress!) into your money talks.


Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want t

Pre-tax vs Roth?  What is the difference and which one should I choose?

Watch this video to find out!


Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

We've had important conversations around our money history and beliefs.  But how do we actually merge our finances together?

Listen to this episode to find out!



Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

Before you say "I Do", it's a good idea to make sure you and your partner are financially compatible.

Are my partner and I financially compatible?

Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

I recently met with a couple who have a sizeable nest egg. 

One spouse believes they have enough to retire right now.  The other spouse thinks they need to keep working.

Who is right?


Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

Before you get married, you need to have discussions about money and more specifically, how you and your partner view and interact with it.

Listen to this episode to learn how to have these important conversations, which will create transparency around money and your money beliefs!


Sid Misra, Certified Financial Planner™
Beacon Financial Group

#money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family
---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Check out my YouTube channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

----

Gautam Misra
Beacon Financial Group

The questions you have about your finances require personal answers geared towards your specific situation.

Make sure you are getting the answers you deserve, not just general information found online!


Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group

In my "Ask a Financial Advisor" series, I answer questions sent in from my YouTube channel viewers, podcast listeners, newsletter readers, and the general public.

Here is the most recent question I received:

“I’m in my early 30s and making decent money.  I want to make sure I am setting myself up for success later on in life.

How much should I be saving and investing to do this?"


Listen to this episode to find out my answer!

Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group

How do I actually retire?

How do I go from earning an income to living off my nest eg

Listen to this episode to find out!


Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group

What are the most common money mistakes I see as a Financial Advisor? 

Listen to this episode to find out!

Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group

There is a lot of noise about how you "should" be investing your money.

Before you make any decisions, listen to this episode!


Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group

Aretha Franklin made a big mistake with her estate planning.

Don't make the same one!

Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group

The stock market is going crazy right now.  When will it stabalize and recover?


Sid Misra, CFP
Beacon Financial Group

---

I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together

Schedule an intro call with me: https://go.oncehub.com/SidMisra

---

To learn more about me, please visit my website: https://www.sidmisra.net/

----

Don't forget to subscribe to my YouTube Channel: https://www.youtube.com/channel/UCZBF

----

I post a lot of educational content on LinkedIn that you won't want to miss out on

Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/

Gautam Misra
Beacon Financial Group