Crypto often feels like hype, headlines, and confusion. In this episode of EnRich Your Life, Rich sits down with Howie Levine of Bitwise to break it down in plain language, what crypto actually is, how blockchain works, and why Bitcoin, stablecoins, and ETFs are changing the investment landscape.

Whether you’re crypto curious, skeptical, or simply want to understand how it might fit into a portfolio, this conversation cuts through the noise and focuses on what matters.

Key Highlights:

• Blockchain technology and crypto assets broken down
• How stablecoins differ from Bitcoin
• The role of ETFs in making crypto more accessible
• Real-world examples of blockchain in action (DMV, real estate deeds)
• How regulation is shaping the future: GENIUS Act, CLARITY Act, and Anti-CBDC

Disclosures:

*BASED ON OTCMARKETS.COM SHOWING THE TWO LARGEST CRYPTO INDEX FUNDS AS OF 8/12/2025​

https://link.edgepilot.com/s/aa1ce8b0/Qk-rF3CAfUCG1ECwkGGACA?u=https://www.otcmarkets.com/stock/GDLC/quote 

https://link.edgepilot.com/s/68763852/qNpFMq28zUueE1ta8ZJk2g?u=https://www.otcmarkets.com/stock/BITW/quote

**Certain of the Fund’s investments may be subject to the risks associated with investing in crypto assets, including cryptocurrencies and crypto tokens. Because crypto assets are a new technological innovation with a limited history, they are a highly speculative asset. Future regulatory actions or policies may limit actions that can be taken with regard to crypto assets. The price of a crypto asset may be impacted by the transactions of a small number of holders of such crypto asset. Crypto assets may decline in popularity, acceptance or use, which may impact their price.

***As per IMF Connect Article dated 5/23/25: https://www.imfconnect.org/content/dam/imf/News%20and%20Generic%20Content/GMM/Special%20Features/Crypto%20Assets%20Monitor.pdf

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

We’re taking a short summer break! ☀️

No new episodes in August, but Rich will be back in September with fresh conversations on everything from Bitcoin and 529 plans to Medicare enrollment and setting wealth goals with clarity.

He’s heading to the beach for some much-needed rest, and hopes you’re getting in some self-care too.

Until then, catch up on any episodes you’ve missed. See you soon.  

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In Part 2 of this week’s conversation, we unpack CLOs, Collateralized Loan Obligations, and why they’ve quietly become a go-to income strategy for banks, asset managers, and sophisticated investors.

Rich talks with Shiloh Bates of Flat Rock Global about how CLOs are built, who invests in them, and how you can tap into higher-yielding opportunities with decades of strong performance and surprisingly low default rates.

If you want to understand how smart money earns steady returns through structured credit, this episode is for you.

Episode Key Highlights:
•What is a CLO?
•CLO equity vs. CLO debt
•Who should consider CLOs

Want to know more about our Guest?

Shiloh Bates
Chief Investment Officer
Flat Rock Global
https://flatrockglobal.com/

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, we break down private credit investing. What it is, how it works, and why more investors are using it to generate income with less day-to-day volatility.

Chief Investment Officer from Flat Rock, Shiloh Bates, explains how these loans are structured, who borrows the money, and what makes this strategy attractive even in a high-interest-rate market.

They get into real examples, the risks you need to know, and how investors are getting access without being ultra-wealthy. If you’ve heard the term “private credit” and wondered what it actually means, this is the episode for you.

Episode Highlights:

• What is private credit?
• Why investors are paying attention
• How risk is managed
• Interval fund access

Want to learn more about our Guest?

Shiloh Bates
Chief Investment Officer
Flat Rock Global
https://flatrockglobal.com/

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Think estate planning is only for the wealthy? Think again. In this episode, Rich sits down with estate planning attorney Samara Halpern to break down what you actually need, whether you’re 18 or 80. From wills and healthcare proxies to power of attorney and trusts, this conversation covers the essentials most people overlook until it’s too late.

Episode Highlights:

• Why every adult over 18 needs a healthcare proxy
• The real difference between a will and a trust
• How to avoid costly mistakes that can leave your family stuck in probate

Want To Know More About Our Guest:  From the U.S. Attorney’s Office to the NYPD, Samara Halpern’s path to founding Halpern Law, P.C. reflects a lifelong commitment to making the law practical, protective, and personal.

Samara Halpern,Managing Partner
Halpern Law, P.C.
+1 (914) 810-3122
samara@halpernlawpc.com
www.halpernlawpc.com
Instagram | LinkedIn

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In Part 2 of our special episode with David Sobel of the Alzheimer’s Association Hudson Valley Chapter, we explore how to get involved, whether by walking, volunteering, or sponsoring, and the emotional impact of the Walk to End Alzheimer’s. We also break down key advocacy efforts, powerful fundraising events, and the 10 early warning signs to watch for.

Key Highlights

• What the colored flowers at the Walk to End Alzheimer’s actually represent
• How to join or start a Walk team (including for businesses) and what sponsorship really means
• The 10 early warning signs of Alzheimer’s, and when to take action

Support our Walk to End Alzheimer’s team - Join the EnRich Your Life Podcast as we walk to raise funds for Alzheimer’s care and research.

EnRich Your Life Podcast Walk To End Alzheimer's Team Page

Want to Know More About Our Guest:
David Sobel
Executive Director
Alzheimer's Association, Hudson Valley Chapter
dsobel@alz.org
alz.org/hudsonvalley

Alzheimer's Association 24/7 Helpline: 1-800-272-3900

Source: All statistics mentioned are from ALZ.org, the Alzheimer’s Association.

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In Part 1 of this special two-part episode, Rich talks with David Sobel, Executive Director of the Alzheimer’s Association Hudson Valley Chapter, about the realities of Alzheimer’s, early signs, the role of caregivers, and how local families can access free support. Learn about breakthrough treatments, volunteer opportunities, and the incredible work happening right here in Westchester County.

Key Highlights:

• The first step to take if you think a loved one may have dementia (hint: it’s free and 24/7)
• How the Alzheimer’s Association is funding research while offering real-time support for caregivers
• Opportunities to get involved in the fight against Alzheimer's

Support our Walk to End Alzheimer’s team - Join the EnRich Your Life Podcast as we walk to raise funds for Alzheimer’s care and research.

EnRich Your Life Podcast Walk To End Alzheimer's Team Page

Want to Know More About Our Guest:
David Sobel
Executive Director
Alzheimer's Association, Hudson Valley Chapter
dsobel@alz.org
alz.org/hudsonvalley

Alzheimer's Association 24/7 Helpline: 1-800-272-3900

Source: All statistics mentioned are from ALZ.org, the Alzheimer’s Association.

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Aging and the family caregiving that comes with it is no longer a far‑off worry. Gerontologist Rebecca Lippel joins host Richard Leimgruber to unpack what today’s “silver tsunami” means for your wallet, your parents, and your own health. Together they tackle startling U.S. demographics, the role of advanced directives, why long‑term‑care insurance is best locked in by age 55, and how caregivers can trade guilt for practical help. From choosing the right home‑care aide to building a step‑by‑step financial roadmap, this episode pairs heart with hard numbers to keep loved ones safe and solvent as they age.

4 Key Takeaways:

• Plan before the panic.
• Caregiver burnout is a warning light, not a badge of honor.
• Match care to the person, not the other way around.
• Secure long‑term care insurance while premiums are friendly.

Want To Learn More about Our Guest:

Rebecca Lippel
Director of Care Management
LiveWell Care Management
1-917.923.1463
rebecca.lippel@livewellcm.com
www.LiveWellCM.com

As a Gerontologist and Certified Dementia Practitioner she has a deep understanding of the unique and often complex needs of aging adults. Prior to senior living she was the Director of a social model day program for older adults with Alzheimer's disease and related dementias and has worked for AARP's NY state office and their headquarters in Washington DC.

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Life Insurance: How Much, What Kind, and When to Convert
Life insurance feels opaque. In 30 minutes Rich Leimgruber and 30-year industry professional, Jim Feldesman unpack:
• Term vs. permanent, plain-English math
• The needs-analysis shortcut that beats “10× salary” rules
• Hidden living benefit riders (critical illness, LTC hybrids)
• How to properly complete your application
• The one mistake that makes you un-insurable for years
No tips to “get rich quick,” just the facts so you can protect the people who count on you.

Want To Learn More About Our Guest?
James Feldesman, Financial Representative
WealthBridge Financial Group, www.wealthbridgefg.com
+1 914 208 2245
feldesman_james@nlgroupmail.com

Disclaimer: Living Benefits are provided by no additional premium Accelerated Benefit Riders.  Receipt of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy, may result in a taxable event, and may affect your client's eligibility for public assistance programs. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless the client has a need for life insurance. Riders are optional, may require additional premium, and may not be available in all states or on all products. The use of cash value life insurance to provide a resource of income assumes that there is first a need for the death benefit protection.  The ability of a life insurance contract to accumulate sufficient cash value to help meet accumulation goals will be dependent upon the amount of extra premium paid into the policy, and the performance of the policy, and is not guaranteed.  Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event.  Surrender charges may reduce the policy's cash value in early years. 

Jim is a Registered Representative and Investment Adviser Representative of/ and offers securities and investment advisory services solely through Equity Services, Inc. (ESI), Member FINRA/SIPC, 675 Third Avenue, Suite 900, New York, NY 10017, 212-661-1600 or 212-986-0400. All other entities and persons are independent of ESI. TC7990551(0525)1

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Most people don’t realize they’re underinsured, until it’s too late.

In this episode, Rich sits down with insurance expert Ed Gajdosik to talk about the real cost of being underinsured, why flood insurance isn’t just for flood zones, and how umbrella policies protect your wealth when disaster strikes. They unpack what most people get wrong about auto and homeowners insurance, how inflation affects your coverage, and why a quick review of your policy might be the smartest financial move you make this year.

In this episode:

• Why your home’s appreciation might leave you underinsured
• What inflation guard is and what it really covers
• How flood insurance works, even outside flood zones
• The truth about liability limits and personal risk
• Umbrella policies: what they cover and why they matter
• Whether you should add your teen driver to your policy, or not

Chapter Markers
02:07 Importance of Regular Insurance Reviews
03:33 Understanding Home Insurance Coverage
06:25 Flood Insurance: Not Just for Flood Zones
08:36 Navigating Auto Insurance for New Drivers
11:09 The Role of Liability and Uninsured Motorist Coverage
15:31 Understanding Umbrella Policies
16:17 Real-Life Example: The Importance of Umbrella Policies
17:49 Litigious Society and Rising Costs
19:16 The Importance of Regular Insurance Reviews
23:38 Telematics and Future Trends in Auto Insurance
27:26 Factors Affecting Insurance Rates

Want To Know More About Our Guest?

Ed Gajdosik has 30+ years of financial services experience, 10 years as insurance agency owner of GC Insurance Group, providing auto, home, condo, co-op, and life insurance, and four time Honor Ring Award Recipient.

• Insurance Licenses in both New York and Connecticut

Contact:
Ed Gajdosik
Phone: (914) 834-6262
gajdosik1@allstate.com
website: https://agents.allstate.com/edward-gajdosik-larchmont-ny.html
Facebook | Instagram | LinkedIn 

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, Rich talks with Michael Sieja (“Mortgage Mike”) about how to navigate the home lending process smarter. Whether you’re a first-time buyer, refinancing, or tapping your home equity, they break down different mortgage options, what documents to prepare, why your credit score matters, and the best strategies to strengthen your offer. 

Takeaways:

• Understand mortgage options: conventional, FHA, VA, HELOCs
• How much you should really put down
• The surprising impact of credit scores on loan approval
• PMI: what it costs and when it ends
• Using home equity lines smartly
• Why pre-approvals (& commitment letters) matter
• How to shop smarter beyond your local bank

Want to Know More About Our Guest?
Michael Sieja, Mortgage Loan Originator
CrossCountry Mortgage
michael.sieja@ccm.com
+19145758304
Website
Facebook
Instagram
LinkedIn
TikTok
YouTube

Michael Sieja is a dedicated loan officer based in Purchase, NY, helping clients navigate the mortgage process with clarity and confidence. With over two decades of experience, Michael and his team at CrossCountry Mortgage offer a wide range of home financing options, including conventional, FHA, VA, and unique specialty programs. His commitment is simple: to guide each client through every step, from pre-approval to closing, with straightforward advice and personalized support.

Disclaimer: Examples and information provided in this interview are for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029 NMLS64666 (www.nmlsconsumeraccess.org). Equal Housing Opportunity. 

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, Rich sits down with cybersecurity expert Oscar Capel to break down how identity theft happens, and how you can stop it. From weak passwords to risky public Wi-Fi habits, they cover the real-world consequences of digital carelessness and how a few simple tools like VPNs, password managers, and multi-factor authentication can protect your personal data.  This episode underscores the emotional toll of identity theft and the importance of staying vigilant as cyber threats continue to evolve.

What you’ll learn:

• Why email and text scams are getting smarter
• What to do if someone gains access to your computer or personal info
• Common red flags and how to verify before you act
• How to talk to your loved ones so they don’t fall victim next

Chapter Markers:
03:27 Defining Identity Theft and Cloning
07:08 Scams: Phishing, Smishing, and More
09:39 Preventing Scams and Identity Theft
17:05 Medical Identity Theft Risks
19:00 The Emotional Impact of Identity Theft
19:57 Common Scams and How They Work
24:11 The Importance of VPNs and Cybersecurity
30:01 Reputation Management and Social Media
30:50 Live Cybersecurity Maps and Global Threats

Want to know more about our Guest?
Oscar Capel-Owner, Capel and Associates NYC
CITRMS Certified IdentityTheft Risk Management Specialist
LegalShield Independent Associate
Team leader with The Fuller Center for Housing NYC Chapter
Phone: +16465787097
Website: https://ocapel.legalshieldassociate.com/
Facebook: LegalShieldIndependentAssociateOscarCapel
LinkedIn: www.linkedin.com/in/oscar-capel

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Home prices are up. Inventory is down. And if you’re not paying cash, you’re likely getting beat.

In this episode of EnRich Your Life, Rich talks with top Westchester realtor Ann Marie Damashek about how buyers can stay competitive in one of the toughest housing markets in decades. They cover financing strategy, inspection traps, how to prep before you even look at listings, and why some buyers are losing out over and over again.

If you’re buying your first home, or trying to downsize without getting stuck, this is the real talk you need.

Chapter Markers:
00:43 Meet Ann Marie Damashek: Real Estate Expert
03:02 First Steps for Homebuyers
03:27 Financial Considerations and Pre-Approval
07:54 Common Homebuying Mistakes to Avoid
08:39 The Importance of Working with a Realtor
10:32 Navigating the Competitive Housing Market
13:16 Understanding Home Inspections and Radon
17:06 Choosing the Right Neighborhood and Schools
19:57 Competing with Cash Offers
31:56 Final Advice and Contact Information

Want to know more about our Guest?
Ann Marie Damashek, GRI, CBR, SRES, PSA
Licensed Associate Real Estate Broker

• Five Star Real Estate Agent, Westchester Magazine 2014-2024
• Real Estate All Stars, Westchester Magazine 2022-2025

Contact:
140 Larchmont Avenue
Larchmont, NY 10538
m: 917.623.0624
e: annmarie.damashek@compass.com
www.ampmrealestate.com

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Looking to sell your home? This episode features insights from a top-performing realtor with over 23 years of experience, Maureen Connolly with Coldwell Banker. Discover strategies for maximizing your home's value, from smart pricing to effective staging. Learn why choosing the right agent matters and how to navigate today's competitive market with confidence.

Key Insights

• Why professional pricing strategy often leads to optimal sale prices
• The "Coming Soon" listing technique that creates buyer competition
• Best times to list your home to stand out from other inventory
• How to prepare your home for showings without major renovations
• What makes cash offers attractive (and when they aren't the best choice)
• Common seller mistakes to avoid during the selling process

Chapter Markers:

01:37 Meet the Expert Realtor: Maureen Connolly

04:53 The Importance of Pricing and Hiring a Realtor

06:32 Preparing Your Home for Sale

12:18 Evaluating Offers and Cash Buyers

15:15 Common Mistakes Sellers Make

18:04 Handling Offers and Inspections

21:46 Closing Process and Final Walkthrough

25:16 Final Advice and Contact Information

29:07 Podcast Conclusion and Future Topics

Want to know more about our Guest?
Maureen Connolly, CBR,SRES, Certified Real Estate Negotiator

• Associate Real Estate Broker - Coldwell Banker
• International Diamond Society 
• 2023 Top Listing Agent-Coldwell Banker Lower Hudson Valley Office-#1 for Listings Sold
• Top 1% of Realtors in Westchester/Putnam Counties
• Multi-Million Dollar Producer 2003-2023
• Voted FIVE STAR Real Estate Agent by Westchester Magazine  10 Consecutive Years
• License: 30CO0948982 NY
• maureen.connolly@cbmoves.com
• Website: Maureen-Connolly.com
• Cell: 914-419-6251

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Exchange-Traded Funds (ETFs) have transformed the way people invest—but how do they actually work, and why are they growing so fast? In this episode of EnRich Your Life Podcast, host Richard Leimgruber sits down with Arthur Nowak from Alger Investments to break down the power of ETFs, the role of AI in investing, and why active management still matters.

Key topics covered:

• What ETFs are and how they compare to mutual funds
• The benefits of ETFs, cost, tax efficiency, and diversification
• How AI is influencing the ETF space and shaping investment strategies
• Common ETF misconceptions and how to build a smarter portfolio

Are ETFs the right move for your investment strategy? Listen now and find out!

Want to know more about our guest?
Arthur Nowak, CFA® Vice President, Client Portfolio Manager - Alger Investments. For more information on Alger Investments, visit the official Alger Investments website.

Chapter Markers:

00:50 Tax Day Reminder and IRA Contributions

01:33 Guest Introduction: Arthur Nowak from Alger Investments

04:43 Understanding Exchange Traded Funds (ETFs)

13:09 The Rise of Active ETFs

14:00 AI and The Future of ETFs

18:33 ETFs in Investment Strategies

23:41 Conclusion and Final Thoughts

Checkout more from EnRich Your Life and follow us on the web and socials:
https://www.enrichlifepodcast.com/
https://www.facebook.com/enrichlifepodcast/
https://www.youtube.com/@EnrichLifePodcast
https://www.instagram.com/enrichlifepodcast

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, Richard is joined by Peter Corritori, Regional Vice President of Catalyst Funds, to discuss the key differences between active and passive investing. Each with over 25 years of experience, Richard and Peter delve into the benefits and risks of each strategy, offering practical insights for both new and experienced investors. They explore asset classes, risk management, diversification, and the impact of market efficiency on investment performance. Tune in to gain valuable knowledge on making smart financial choices that align with your goals.

Chapter Markers

00:51 Guest Introduction: Peter Corritori

01:23 Peter's Career Journey

03:11 Active vs Passive Investing: An Overview

05:04 Balancing Active and Passive Strategies

07:41 Diversification and Risk Management

08:50 Insights for New Investors

12:14 Tax Implications of Investing Strategies

14:36 Final Thoughts and Conclusion

Want to know more about our guest, Peter Corritori?
-Peter is a Mutual Fund Wholesaler for Catalyst funds covering Westchester, NY and CT.

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Ever wondered how a love for music can pave the way to a thriving career in accounting? Join us as Joe Paldino, the dynamic founder and CEO of Paldino Company CPA, shares his fascinating journey from aspiring musician to a successful CPA.

In this next episode of EnRich Your Life, host Rich Leimgruber sits down with Joe, to break down the complexities of tax planning for individuals and small businesses. Joe shares his journey to becoming an accountant, his approach to helping clients navigate tax season, and the importance of proactive financial planning. Together, they cover essential tax strategies and common misconceptions. Whether you’re a W-2 employee, an independent contractor, or a small business owner, this episode delivers practical insights to help you maximize savings and avoid tax pitfalls.

Want to know more about Joe Paldino and his services?
Website:  https://jpalcpa.com
Phone:  (914) 253-6857
Facebook Page:  https://facebook.com/61564304345871
Licensed to practice in the state of New York

Chapter Markers

[00:00:00] Welcome to EnRich Your Life – Introduction by Rich Leimgruber
[00:00:49] Meet Joe Paldino, CPA
[00:03:01] Joe’s Unexpected Path to Accounting – From music dreams to CPA
[00:04:28] Tax Planning 101: Why Organization Matters
[00:06:24] What Documents Should You Send to Your Accountant?
[00:08:33] The Most Overlooked Tax Deductions & Why They Matter
[00:12:49] Life Events & Tax Changes: Marriage, Kids & More
[00:15:44] Audits Aren’t Scary, If your tax return is legitimate and well-documented
[00:18:54] Understanding Capital Gains & Tax Brackets
[00:19:27] Should You Incorporate? When is the right time?
[00:21:58] Tax Refunds: Are You Giving the IRS an Interest-Free Loan?
[00:24:28] Final Takeaways: Be Proactive, Plan Ahead!

Disclaimer: Richard Leimgruber, nor Onyx Bridge Wealth Group LLC, is affiliated with nor receives any compensation for their relationship with Joe Paldino, CPA. 

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Welcome to the EnRich Your Life Podcast! In our premiere episode, we’re kicking off your journey to financial empowerment.  It tackles common misconceptions about financial advisors and delves into the comprehensive services they provide, from investment planning to tax strategies and elder care. Learn about the value of professional financial advice, regardless of your net worth, and how it can help you overcome financial roadblocks and make informed decisions. Tune in for practical strategies to grow, protect, and shape your financial future.

Timestamps:
00:00 Introduction to Enrich Your Life Podcast

01:03 Debunking Myths About Financial Advisors

03:19 The True Role of Financial Advisors

08:40 Comprehensive Financial Planning Services

13:39 Overcoming Financial Roadblocks

18:34 The Financial Advisor's Process

21:04 Conclusion and Final Thoughts

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Launching January 2025!
The EnRich Your Life Podcast is your go-to guide for financial empowerment. Hosted by Richard Leimgruber, this podcast breaks down complex money topics into simple, actionable steps to help you grow, protect, and shape your financial future—no matter where you’re starting from. Tune in for practical advice, myth-busting insights, and strategies to enrich your life!

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/

Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.