Some topics of discussion include:

-Market Recap – Key Headlines From Last Quarter

-AI Disruption – Software Sell-off and the Importance of Diversification

-U.S. Economic Activity – Manufacturing Returning to Expansion

-Oil Prices – Historical Context and Implications for the Economy

-Inflation Monitor – Update on Recent Inflation Trends

-Interest Rates – How Many Rate Cuts Are Forecast in 2026?

-Fixed Income – High Yield Credit Spreads Widen in Response to Oil Shock

-Long Term Perspective – S&P 500 is 96% Correlated with Earnings Growth

-Looking Ahead – Key Themes to Watch the Next Six Months

Some topics of discussion include:

-Market Recap – Key Headlines From Last Quarter

-Stock Market – Nasdaq’s Historic Market Rebound

-Washington Policy – U.S. Tariff Timeline

-Inflation – Expectations Rising But Not Showing up in the Data

-Interest Rates – Updated Rate Cut Forecast Through 2026

-Market Upside – Earnings and Valuation Scenario Analysis

-Looking Ahead – Key Themes to Watch Over the Next Six Months

-Long Term Perspective – Economic Slowdowns Are Historically Short-Lived

Topics of discussion include:

• Navigating a career change

• Recognizing the need for financial planning guidance as a physician

• The responsibility as a business owner

• Finding the balance between paying off debt, saving for retirement and navigating your lifestyle

• Malpractice protection, disability income coverage and life insurance

• Achieving financial freedom and legacy planning

• The importance of a good team - “You don’t know what you don’t know”

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Some topics of discussion include:

• Market Recap – Key Headlines From Last Quarter
• Stock Market – Nasdaq’s Historic Market Rebound
• Washington Policy – U.S. Tariff Timeline
• Inflation – Expectations Rising But Not Showing up in the Data
• Interest Rates – Updated Rate Cut Forecast Through 2026
• Market Upside – Earnings and Valuation Scenario Analysis
• Looking Ahead – Key Themes to Watch Over the Next Six Months
• Long Term Perspective – Economic Slowdowns Are Historically Short-Lived

Items of discussion include:

Spending: Understand your essential vs. discretionary expenses and how to maintain your lifestyle in retirement.

Income: Transitioning from earning a paycheck to paying yourself — including traditional and non-traditional income sources for retirement.

Legacy: Is leaving a legacy important and part of your plan?

At Synergy, every plan is personalized so our clients can focus on what matters most — their passions, purpose, and life experiences.

Call us today at 888-363-4546 to start building your retirement plan and find the answer to the question, are you ready to retire?

Your path to financial freedom starts here.

Topics of discussion include:

• Enjoying where you are in each stage of life
• Reflecting on your time as your children get older
• Navigating a change in roles in the household
• Exploring your purpose and how to get there
• Managing aging parents
• Personal and financial planning benefits

Some topics of discussion include:

• Market Recap – Key Headlines From Last Quarter
• Stock Market – Nasdaq’s Historic Market Rebound
• Washington Policy – U.S. Tariff Timeline
• Inflation – Expectations Rising But Not Showing up in the Data
• Interest Rates – Updated Rate Cut Forecast Through 2026
• Market Upside – Earnings and Valuation Scenario Analysis
• Looking Ahead – Key Themes to Watch Over the Next Six Months
• Long Term Perspective – Economic Slowdowns Are Historically Short-Lived

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Topics of discussion include:

• Setting Shared Financial Goals
• Budgeting and Spending as a Team
• Common Issues That Arise
• Options for Managing Finances Together
• Managing Joint Accounts, Bills, and Debt
• When and Why to Keep Finances Separate
• Aligning on Values and Understanding the Numbers

Merging finances is more than just combining bank accounts—it’s about building a shared vision for your future. With open communication, mutual respect, and a clear plan, couples can turn money into a tool for connection rather than conflict.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

At Synergy, we recognize that you may need different services at different stages of your life and career. We match your financial needs through the various chapters of your life by offering support at the Build, Grow, Enjoy and Give stages of life.

Firstly, we start with the build stage which Synergy advisors Jordann Andrusiak, CFP® and Brennan Ifkovits will be discussing within this latest podcast episode:

Topics of discussion include:

-What is the build stage of life?

-How do we begin to build out a plan?

-Identifying S.M.A.R.T goals

-Developing your plan further with actionable steps

- Importance of a team to monitor and develop your plan over time

-Adapting to change and navigating life’s events

The Synergy Capital Solutions team is interested in serving as your partner, working alongside you to transform your goals and vision into a solid financial plan that helps you realize your dreams. Call us today at 888-363-4546. We’re ready to get started.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Some topics of discussion include:

Market Recap – Key Headlines From the Past Six Months

Stock Market – How Company Size is Shaping 2025 Returns

U.S. Sector Trends – 7 of 11 Sectors Posted Gains in 1Q 2025

Performance Drivers – Earnings Remain Strong, But Valuations Moderate

Interest Rates – Why Have Bond Yields Declined This Year?

Market Turbulence – Policy Uncertainty Has Increased Market Volatility

Sentiment Insights – Trends in Consumer and CEO Survey Data

Economic Dashboard – Takeaways from Four Key Metrics

Long Term Perspective – Market Volatility is a Normal Part of Investing

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

• Market Recap – 2024 Asset Class Performance

• Stock Market – What to Expect in the Third Year of the Bull Market

• Performance Drivers – Expectations for Earnings Growth in 2025

• Interest Rates – Comparing the Market’s & Fed’s Forecasts

• Inflation Update – Progress Stalls as Goods Deflation Slows

• Economic Trends – What’s Driving U.S. Economic Growth?

• Historical Perspective – Comparing the Economy in 2016 & 2024

• What to watch

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The end of the year can be a busy time for many, but it's important to take a moment to reset and realign your financial plan while planning ahead for the new year.

Topics of discussion include:

-Specific areas to look at within your plan before the year ends

-Planning for 2025 and what to prepare for

-Looking at how your goals translate to your plan

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com

hello@synergycapitalsolutions.com

(888) 363-4546

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial Plan-It, Synergy Capital Solutions Advisors Jordann M. Andrusiak, CFP®, and Kevin R. Keith, CRPC®, CRPS® share their tips for planning your spending and navigating your financial plan during the holiday season.

Topics of discussion include:

-The temptations of sales and ‘special offers’

-Exploring gift options – physical gifts, experiences or memories

-Planning and making lists for gifting, gatherings and holiday activities.

-Avoid the last-minute stress and panic buying

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com

hello@synergycapitalsolutions.com

(888) 363-4546

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

• Market Recap – Timeline of Key Events in 2024
• Interest Rates – Federal Reserve Cuts Rates by -0.50%
• Path Forward – How much could rates be cut by?
• Economic Trends – Watching Interest Rate Sensitive Industries
• Historical Perspective – How Does the S&P 500 Perform During Rate Cuts?
• Labor Markets – Weakening, but Not Weak by Historical Standards
• What We’re Monitoring – Number of Companies Mentioning “Recession”
• Presidential Election – Staying Invested vs. Choosing Sides

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Topics of discussion include:

• Why its important to stay invested during election years
• Historical data which shows that it is much more impactful to stay invested than to try and time the markets
• How we approach election years in our plans looking at the long-term solutions

The Synergy Capital Solutions team provides a full suite of wealth management solutions that can help individuals and families reach their financial goals. Call us today at 888-363-4546 or email us at hello@synergycapitalsolutions.com. We’re ready to get started.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Topics of discussion include:

• The 2017 Tax Cuts and Jobs Act

• What the upcoming changes mean for our clients

• Importance of your plan and selecting which professionals to work with

• Three things you can do now to define your legacy

• The importance of working with your professionals to have all your pieces in place

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Some topics of discussion include:

• Asset Classes – Mid-Year Performance Update
• Performance Drivers – Earnings Growth vs Valuation Multiples
• Equity Factors – The Biggest Companies Are Outperforming in 2024
• Inflation Update – What is the Federal Reserve Looking For?
• Interest Rates – More Central Banks are Starting to Cut Interest Rates
• U.S. Economy – Monitoring the Economy on Weekly Basis
• Importance of Diversification

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Key elements discussed in this episode include:

• Essential versus Discretionary Spending
• Calculating Monthly Income and Expenses
• Implementing Budgeting Techniques
• Tracking Expenses Methodically

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com hello@synergycapitalsolutions.com (888) 363-4546

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

-Historical Market Events

-Market Returns – S&P 500 Index Sets Multiple New Highs in Q1 2024

-S&P 500 Bull & Bear Markets

-The Odds of Cash Underperforming Are High

-Credit Markets – Investors Now Expect Fewer Rate Cuts This Year

-Inflation – Slowing Progress and the Impact of Rising Gasoline Prices

-Labor Market – The Unemployment Rate Starts to Creep Higher

-Consumer Health – The Low Savings Rate Signals a Willingness to Spend

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Some highlights include:

• Why a financial plan is important
• Norton's experience over his career
• Estate Planning and what you should be doing
• Business succession planning and taking care of your clients

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Key topics include:

• The transition to motherhood and navigating your new budget, work life balance, career path and new priorities.

• Preparing for 529 plans, childcare, sports, and travel.

• The transition to single motherhood and creating a new budget, goals and values. Creating new saving plans and emergency funds.

• Time management and prioritizing your values.

• The transition to losing a parent and becoming a support system for your family. Helping to navigate grief and offering education and support to your parent during the difficult life transition.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Some topics of discussion in this podcast include:

-Kevin and Lindsay's career path and experience

-The passion they both share for the industry

-The everchanging financial industry

-How and why, Kevin and Lindsay choose Synergy

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Some topics of discussion include:

-Market returns

-New opportunities

-Inflation

-Consumer Confidence

-Market themes

-Time in the market

-Withdrawal rates

To read more on the 4Q market recap and 1Q 2024 recap, read the latest blog post on our website or reach our to the Synergy Capital Solutions team. https://synergycapitalsolutions.com/blog.html?page=1

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Some highlights include:

-Their career path and experience

-The passion they share for the industry

-How and why, they choose Synergy

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

As a new member to our team, Caryn provides a brief introduction to herself as she co-hosts her first podcast with Synergy Capital Solutions.

As changes in your life occur, are you adjusting your financial plan accordingly throughout the year? Some main topics in this podcast include:

-Life changes updates (Retirement, new family members, residence, ETC.)

-Financial plan updates

-Estate plans

-Tax changes

-Retirement planning

-Income and budgets

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Reach out to the Synergy Capital Solutions team if you have any questions or need further information. hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

• Google search trends
• Historic market events
• Time in the market
• Interest rates
• Bond market

To read more on the 3Q market recap and 4Q recap, read the latest blog post on our website or reach our to the Synergy Capital Solutions team.

For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements and commit to CFP Board's ethical standards that require them to put their clients' interests first.

Congratulations to Sarah who recently passed her CFP exam!

During this podcase they will discuss:

• Their journey during the CFP® process

• What the CFP® process is

• How the certification impacts the service we deliver to our clients.

- Advice for anyone who is going through the CFP® process.

Topics of discussion include:

·  When Mark knew having a second generation in the team was an important asset to have.

·  Alex Burns' journey into Synergy Capital Solutions and working with the generation one advisors.

·  The benefits of a multiple generational firm for our clients.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

When it comes to short term investing, there are a number of uncertainties that come along with it that may allow for more issues to pop up versus if you take a long-term strategic approach. Sometimes, when going through turmoil, a heads up as well as a solid financial plan to fall back on just might be your saving grace to not jump at the chance to pull out based on your fears in the market.

In this episode, David Vallieres is joined by Eric Nahat to uncover the changes in the market since the beginning of the year, what that means for your portfolio and how you can go about understanding these changes while looking forward into the third quarter.

David Vallieres discusses,

●     How we approach investing through understanding the logic and the long-term benefits

●     Proactive versus reactive investing and how it can benefit your portfolio

●     How the market can currently be compared to prior shifts in history and how we can use that to determine the onset of where the market is headed

●     And more

Connect With David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

Connect With Eric Nahat:

●     LinkedIn: Eric Nahat

About Our Guest:

Eric Nahat holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres chats with Sarah Zvekan financial advisor at Synergy Capital Solutions about the importance of women in the financial industry, and the impacts that they have had. Sarah also talks about planning your taxes for charitable giving.

David and Sarah discuss:

●    Her observations as a woman in finance

●    Women in philanthropy

●    Tax planning for philanthropic and charitable giving

●    And more

Connect with David Vallieres:

●    David Vallieres

●    Synergy Capital Solutions

●    Email at: hello@synergycapitalsolutions.com

Connect With Sarah Zvekan:

●    LinkedIn: Sarah Zvekan

About Our Guest:

Sarah Zvekan delights in working hand in hand with clients in developing their goals that drive their long-term financial plan. Sarah enjoys helping clients organize their financial life to lessen their burden and stress. She has a high level of proficiency in the financial planning platforms that are used to serve clients and is consistently willing to leverage specialized tools to empower clients to accomplish their goals.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres speaks with Mark Burns, CFP®, CIMA®, chief executive officer and investment officer and Sarah Zvekan financial advisor at Synergy Capital Solutions. They discuss how to prepare for tax season, creating retirement plans that clients can be excited about, and the importance of investment planning.

Mark and Sarah discuss:

●     Building a stable cash flow plan for after retirement to mitigate risk

●     Creating retirement plans that are client oriented and help clients visualize an end goal

●     Investment planning and the importance in creating a diverse portfolio of well managed assets

●     Passing down your values and your wealth to your family through wealth transfer planning

●     And more

Connect with Mark Burns:

●     LinkedIn: Mark Burns

Connect With Sarah Zvekan:

●     LinkedIn: Sarah Zvekan

Connect with David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

About Our Guests:

Mark Burns began his financial services career in 1982 and quickly became a widely recognized advisor for Wells Fargo Advisors and its predecessor firms. Mark focuses on investment planning and consulting, in addition to overseeing the asset management process. He spearheads the Synergy Investment Committee which manages client portfolios on discretion using Synergy Strategy Portfolios. Mark believes continuing education enhances Synergy’s advisory services and investment strategies.

Sarah Zvekan delights in working hand in hand with clients in developing their goals that drive their long-term financial plan. Sarah enjoys helping clients organize their financial life to lessen their burden and stress. She has a high level of proficiency in the financial planning platforms that are used to serve clients and is consistently willing to leverage specialized tools to empower clients to accomplish their goals.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The Secure Act 2.0 is a 1.7 trillion dollar package, some of the features of the plan are very confusing, complex and broad, which is why it is recommended you talk with your advisor.

In this episode, David Vallieres talks with Dr. Jeff Allen, CFP®, to dissect the features of the Secure Act 2.0 on a high level and how it can benefit you.

Dr. Jeff Allen discusses:

●      Potentially significant changes with charitable distributions

●      The larger catch up for retirement contributions

●      Student loan payment matches beginning in 2024

●      And more

Connect With David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●      Email at: hello@synergycapitalsolutions.com

Connect With Dr. Jeff Allen:

●      LinkedIn: Jeff Allen

About Our Guest:

Dr. Jeff Allen is a retired physician working as a financial advisor for Physicians, Dentists and other successful professionals with an understanding of their unique objectives. He focuses on helping clients create financial freedom by creating a spending and investment plan to reach retirement goals. Additionally, he helps clients with college planning, investment management, insurance needs analysis and retirement planning.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

2022 threw just about every financial disruption it could at us. At this point, nothing should surprise us.

In this episode, David talks to Eric Nahat, Advisor & Director of the Investment Committee at Synergy Capital Solutions. Together they go over the events of the past year and look forward to 2023. They discuss the state of the markets along with what they think the markets will hold in the new year.

David and Eric discuss:

• How 2022’s markets differ from the financial crisis of 2008
• Strategies for making smart financial decisions going into 2023
• The importance of not letting your emotions cloud your judgment
• And more!

Connect with David Vallieres:

• David Vallieres
• Synergy Capital Solutions
• Email at: hello@synergycapitalsolutions.com

Connect with Eric Nahat:

• LinkedIn: Eric Nahat

About our guest:

Eric holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.

Previously, Eric worked for J.P. Morgan Private Bank where he assisted with high-net-worth families and institutions to monitor investment portfolios, model wealth projections, and provide investment solutions for their clients. He holds the Series 7, 63 and 65 licenses as well as Life, Health and Variable Annuities Insurance licenses. He has a master's degree in business administration from the University of Michigan, where he also earned a bachelor's degree in economics.

Eric lives in Ann Arbor, Michigan. He enjoys being involved in the community and spends his free time traveling the world, tasting the newest local cuisine and playing various sports, most notably hockey and golf.

The holidays are an exciting time of the year. Maybe you enjoy; spending time with friends and family, enjoying delicious food, or shopping for those best gifts.

In this episode, the team at Synergy Capital Solutions share some of their family traditions during the holidays and what they think about as they go through the holidays. Members of Synergy Capital Solutions discuss:

●       The must-haves during the holidays

●       Favorite holiday foods to have with guests

●       The best gifts to be received or given

●       Where they shop for the best deals

●       How to spend an appropriate amount on gifts

●       And more

Connect With David Vallieres:

●       David Vallieres

●       Synergy Capital Solutions

●       hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Staying up to date on phishing and vishing scams, malware, ransomware, and other computer threats is absolutely necessary to keep your finances and identity safe.

In this episode, David Vallieres talks with Sarah Khan, a chief information security officer at Hightower Advisor LLC, to discuss cybersecurity. Sarah dives into what cyber security is, the different types of cyber fraud to look out for, and shares some essential tips for keeping yourself safe online.

Sarah discusses:

●    What cyber fraud is, and the different techniques scammers are currently using to compromise security for financial accounts and computer systems

●    Some examples of different fraudulent money movement scenarios

●    12 essential pieces of advice for staying safe online

●    And more

Resources:

●    DashLane.com

●    LastPass.com

Connect with David Vallieres:

●    David Vallieres

●    Synergy Capital Solutions

●    Email at: hello@synergycapitalsolutions.com

About Our Guest:

Sarah Khan was born and raised in Chicago and is naturally drawn to science, technology, engineering, and mathematics. She completed her Bachelor’s degree at UIC in electrical engineering and then attended Northwestern University for her Master’s degree in computer sciences. Over the past 20 years, Sarah has been focused on technology and security, specifically in financial services, and is currently the Chief Information Security Officer for Hightower Advisors and the Hightower Trust company.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Are we currently in a recession or are we headed towards a recession? Because of the economic cycles and changes, there are always times where the market goes through good and bad periods, that’s one of the reasons why you need to be a long-term investor.

In this episode, David Vallieres talks with Mark Burns and Eric Nahat from Synergy Capital Solutions to discuss the fourth quarter market update and what trends they have noticed over the past couple of months.

Mark and Eric discuss:

●     Why your economic outlook should match your portfolio planning

●     Why long-term investing is so effective

●     The Monte Carlo simulations and how you can use it to make predictions

●     Click here to read more about portfolio processes and market updates

Connect with David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

According to CNBC, a college education is now the second largest expense that an individual is going to make in a lifetime. With college costs increasing, more families know they have to have a plan to pay for college than ever before.

In this episode, David Vallieres talks with Sarah Zvekan, to explain how parents can begin to plan for the costs of college. She also shares some tips for navigating this expensive event in a cost-efficient manner.

Sarah discusses:

●      The value in allowing your kids to contribute to their college fees

●      Why it’s worth checking if you qualify for financial aid

●      The benefits of gifting stocks to your children for college expenses

●      Reasons why you should try to avoid private loans

●      How to plan for education costs for different age groups

●      And more

Connect with David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

Connect With Sarah Zvekan:

●     LinkedIn: Sarah Zvekan

About Our Guest:

Sarah Zvekan delights in working hand in hand with clients in developing their goals that drive their long-term financial plan. Sarah enjoys helping clients organize their financial life to lessen their burden and stress. She has a high level of proficiency in the financial planning platforms that are used to serve clients and is consistently willing to leverage specialized tools to empower clients to accomplish their goals.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

It is vital to control your finances with all the uncertainty in the markets.

In this episode, David Vallieres talks with Alex Burns, an advisor at Synergy Capital Solutions. Alex explains the importance of controlling your spending and details how your savings should be organized for the short, medium, and long term.

Alex discusses:

●     What can be truly controlled by investors

●     The three-step process of saving

●     Why time in the market is better than timing the market

●     And more

Connect With Alex Burns:

●    LinkedIn: Alex Burns

Connect With David Vallieres:

●    David Vallieres

●    Synergy Capital Solutions

●    Email at: hello@synergycapitalsolutions.com

About Our Guest:

Alex Burns, CFP®, began his business career as a sales account manager for Symantec Corporation and its subsidiary Veritas. He brings deep database knowledge to Synergy Capital Solutions and enjoys working alongside his father, mother and sister. He earned a bachelor's degree in communications from Michigan State University.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

It can help to focus on logic and long term planning since the markets are constantly changing.

In this episode, David Vallieres talks with Eric Nahat, an advisor and director of the investment committee at Synergy Capital Solutions about the second quarter of 2022. They discuss the possible economic indicators and their impacts on the economy, while explaining their market projections in the face of a possible recession in the short term.

Eric discusses:

●      How GDP numbers for the first quarter shocked to the downside

●      Five ways the odds of a recession are rising

●      A recap of what’s been happening with the performance of the markets

●      What's next for equities

●      And more

Connect With David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

Connect With Eric Nahat:

●     LinkedIn: Eric Nahat

About Our Guest:

Eric Nahat holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres chats once more with Dr. Jeffrey Allen, CFP®, on insurance and risk management within financial planning while discussing options for long term coverage.

Dr. Jeffrey discusses:

●     How he mitigates risk for his clients

●     The different types of insurance

●     Long term care insurance options

●     And more

Connect with David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

About Our Guest:

Dr. Jeffrey Allen, CFP®, entered the financial service industry 15 years ago following his vast experience in the medical industry. Jeff is our team specialist in working with medical practices, closely held corporations and families to provide wealth management solutions. He focuses on developing a coordinated wealth creation and preservation plan to help with investment planning issues often encountered by medical professionals. As a certified physician, Jeff brings a distinct perspective and experience to these client needs.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial Plan-It, David Vallieres chats with Dr. Jeffrey Allen, CFP®, to discuss the importance of your Social Security and the benefits to integrating it into your retirement plan.

Dr. Jeffrey discusses:

●     A definition of Social Security

●     The benefits of Social Security

●     What are survivor benefits and how it works

●     And more

Connect With David Vallieres:

●     David Vallieres

●     Synergy Capital Solutions

●     Email at: hello@synergycapitalsolutions.com

About Our Guest:

Jeff entered the financial service industry 15 years ago following his vast experience in the medical industry. Jeff is our team specialist in working with medical practices, closely held corporations and families to provide wealth management solutions. He focuses on developing a coordinated wealth creation and preservation plan to help with investment planning issues often encountered by medical professionals. As a certified physician, Jeff brings a distinct perspective and experience to these client needs.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres chats with Eric Nahat, an advisor and director of the investment committee at Synergy Capital Solutions to provide you with a 2022 quarter one market update. They also share what could lie ahead in the market for the next quarter.

Eric discusses:

●    A quick recap of what’s been happening in the market this year

●    What he is seeing ahead for equities and why diversification is important

●    Why fixed income has had a tough start to the year

●    And more

Connect With David Vallieres:

●    David Vallieres

●    Synergy Capital Solutions

●    Email at: hello@synergycapitalsolutions.com

Connect With Eric Nahat:

●    LinkedIn: Eric Nahat

About Our Guest:

Eric Nahat holds dual roles working on implementation of client investment portfolios and managing client financialplanning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Your market advisor should be able to identify those concerns and create a plan of action based on that information.

In this episode, David Vallieres talks to Norton Stern, advisor at Synergy Capital Solutions to discuss the financial setbacks he’s seen within his career and how he was able to manage them. Plus, how his financial outlook has changed as he aged.

David and Norton discuss:

●     How he is adapting to financial concerns to prepare his clients for potential issues

●     Modern technology and its potential misuses in the future

●     The different mindsets of clients based on their age

●     And more!

Connect with David Vallieres:

●     LinkedIn: David Vallieres

●     Synergy Capital Solutions

●     Email: hello@synergycapitalsolutions.com

Connect with Norton Stern:

●     Synergy Capital Solutions

About Our guest:

Norton Stern assists Synergy Capital Solutions as a specialist in institutions and charitable foundations. He began his financial services career in 1969 creating a diverse and multi-layered scope of experience. He also works with individuals and families to continually monitor and provide individualized plans. Prior to joining Synergy’s predecessor firm, he was the registered principal and president of Franklin Financial Investments, LLC. Norton holds the Series 1, 24, 63, 65 licenses along with Life, Health and Accident, and Variable Annuities Insurance licenses.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

But, even though 2021 was unpredictable, 2022 is right around the corner with new economic predictions and opportunities.

In this episode, David Vallieres is joined by Eric Nahat, director of the investment committee at Synergy Capital Solutions, to discuss a market wrap-up of 2021, and what to expect in 2022.

David and Eric discuss:

● What’s next for the economy

● Stocks and equities in 2021 and what to expect in 2022

● 2021’s fixed income and bonds, and what’s around the corner in the new year

● And more!

Connect with David Vallieres:

●     LinkedIn: David Vallieres

●     Synergy Capital Solutions

●     Email: hello@synergycapitalsolutions.com

Connect with Eric Nahat 

●     LinkedIn: Eric Nahat

●     Synergy Capital Solutions

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres speaks with colleagues Mark Burns and Norton Stern about the moving parts of life insurance and long term care annuities. They break down the changing structure of insurance over the years and the planning it takes to find the right fit.

In this episode, you will learn:

• How the world of insurance and long term care has changed
• Why insurance companies are raising premiums as they gain experience
• How annuities are viewed through the lens of a financial planner
• How life insurance should fit into your plan
• And more!

Tune in now to hear the details of insurance planning and long term care annuities!

Resources:  Synergy Capital Solutions 

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres is joined by Jeff Allen, director of planning solutions, and Eric Nahat, advisor and director of the investment committee at Synergy Capital Solutions. David, Jeff and Eric discuss why ESGs are becoming so popular, take a look into the history of ESGs, and discuss where they think they may be going in the future.

They also share why you may want to consider a company’s ESG files before investing.

David, Jeff, and Eric discuss:

●     The different aspects of ESG investing

●     Why investors are looking into company’s ESGs before deciding to invest

●     The history behind ESGs and where they may go in the future

●     And more!

Connect with David Vallieres:

●     LinkedIn: David Vallieres

●     Synergy Capital Solutions

●     Email: hello@synergycapitalsolutions.com

Connect with Jeff Allen

●     LinkedIn: Jeff Allen

●     Synergy Capital Solutions

Connect with Eric Nahat

●     LinkedIn: Eric Nahat

●     Synergy Capital Solutions

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In this episode, David Vallieres and Jordann Andrusiak are joined by Leslie Davis, the CEO of National Association of Minority & Women Owned Law Firms (NAMWOLF). They discuss how Synergy Capital Solutions and NAMWOLF aim to achieve their common goal of helping women and other minorities thrive in the legal profession and beyond.

 Leslie discusses:

●     How you can tap into NAMWOLF’s country-wide network of first rate law firms

●     NAMWOLF’s comprehensive vetting process for its member law firms

●     How DEI drives efficiencies and leads to more creative solutions

●     And more!

Connect with David Vallieres:

●     hello@synergycapitalsolutions.com

●     Synergy Capital Solutions

●     LinkedIn: David Vallieres

Connect with Jordann Andrusiak:

●     LinkedIn: Jordann Andrusiak

About Our Guest:

Leslie Davis, the CEO of the National Association of Minority & Women Owned Law Firms (NAMWOLF), is reputed as a business strategist with deep legal knowledge and ability to align business, operations, and strategies to meet key objectives while supporting growth. She delivers significant financial impact to organizations by identifying opportunities to drive business forward. Leslie is a respected leader and trusted advisor with a strong business mindset and legal background providing a foundation for driving business objectives in competitive environments. The leadership she brings results in meeting goals while enjoying collaborative team dynamics and enhanced organizational engagement and culture.

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In this episode, David Vallieres is joined again by Norton Stern to share stories of how estate planning has added value to family’s lives and addressed their biggest concerns. 

In this episode, you will learn:

• Reasons to work with a fiduciary advisor
• The pros and cons of having an institutional vs. known trustee 
• Stories of estate planning successes
• How often to review your trust

Tune in now to hear estate planning successes!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial-Plan It, David Vallieres is joined again by Mark and Alex Burns to take a deep dive into estate planning and a deeper dive into wealth transfer.

In this episode, you will learn:

• What estate planning is and the goals of wealth transfer
• The two key areas of focus for Synergy Capital Solutions when it comes to wealth transfer 
• Why it’s important to review estate plans regularly 
• How a wealth transfer plan can benefit business owners
• And more!

Tune in to do a deep dive on wealth transfer!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres and Eric Nahat provide key performance statistics for the markets in the first 3 quarters of 2021 and share insights into what investors should expect in 2021-Q4 and beyond.

 David and Eric discuss:

●     How the Delta Variant and supply chain pressures are affecting the global economy

●     The potential impact of Federal Reserve's “tapering” on inflation

●     Why international investors should be careful of China’s highly leveraged housing sector

●     And more!

Connect with David Vallieres:

●     hello@synergycapitalsolutions.com

●     Synergy Capital Solutions

●     LinkedIn: David Vallieres

Connect with Eric Nahat:

●     LinkedIn: Eric Nahat

About Our Guest:

Eric holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection. With a master’s degree in business administration from the University of Michigan, Eric also holds the Series 7, 63 and 65 licenses as well as Life, Health and Variable Annuities Insurance licenses.

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

As a result, we’re proud to partner with the National Association of Minority & Women Owned Law Firms (NAMWOLF), which aims to promote DEI in the legal profession.

In this episode, David Vallieres and Jordann Andrusiak discuss what NAMWOLF is all about, the different benefits it offers to its members, and the synergy created for clients through their partnership with NAMWOLF.

David and Jordann discuss:

●     NAMWOLF’s core mission and vision

●     How you can easily become a member of NAMWOLF

●     The types of financial services provided specifically to NAMWOLF members

●     How small- and medium-sized business owners can promote DEI within their business

●     And more!

Resources:

●     The National Association of Minority & Women Owned Law Firms (NAMWOLF)

Connect With David Vallieres:

●     hello@synergycapitalsolutions.com

●     Synergy Capital Solutions

●     LinkedIn: David Vallieres

Connect With Jordann Andrusiak:

●     LinkedIn: Jordan Andrusiak

About Our Guest:

Jordann Andrusiak, CFP®, holds dual roles as an advisor and the director of business solutions. As an Advisor, Jordann works with individuals and families to help them achieve their financial goals. She works to enhance their client experience through relationship management, investment planning and asset-management strategies. She is also a part of the Synergy Investment Committee. As Director of Business Solutions, she strives to evolve and grow the practice through cultivation of the advisory team and overall firm best practices alongside the COO.

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

David Vallieres is joined by Jordann Andrusiak, Norton Stern, and Jeff Allen to answer your frequently asked questions about financial planning, 

In this episode, you will learn:

• Whether you should focus on investing or paying down debts
• Some tips for saving for retirement
• The difference between various education savings plans
• Why it’s important for your family to be involved in financial planning
• And more!

From short and long term investments, to retirement planning, wealth, and education, tune in as David, Jordann, Norton, and Jeff answer your questions!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

David Vallieres is joined by Eric Nahat as they go back to basics with investment terms. Whether your investment knowledge is general or advanced, David and Eric are here to answer your questions. 

In this episode, you will learn:

• Key investing phrases and terms
• Many different kinds of stocks available 
• Various investment terms, what they mean and how they work
• And more!

Tune in to learn valuable information and language about investments!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In part four of the Women and Wealth series, David Vallieres and Jordann Andrusiak once again speak with Margie, Pat, and Marla, who share the steps they are taking to prepare their next generations for a healthy financial future. They also candidly discuss their biggest financial wins and how they achieved them.

The guests discuss:

●    Financial planning tips they wish they had known earlier in life

●    The financial freedom you achieve after working with an advisor

●     Biggest financial pitfalls of their lives and how they overcame them

●     The importance of having a secure document locator while planning your estate

●     And more!

Connect With David Vallieres:

●     hello@synergycapitalsolutions.com

●     Synergy Capital Solutions

●     LinkedIn: David Vallieres

Connect With Jordann Andrusiak:

●    LinkedIn: Jordann Andrusiak

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In this episode, David Vallieres and Eric Nahat answer this question. They discuss the recent trends in equity markets and fixed income assets, and provide an economic outlook for the later half of 2021 and beyond.

David and Eric discuss:

●     Industry sectors that have experienced the maximum rebound in consumer spending

●     Why we are seeing a shift towards value-oriented companies

●     The impact of anticipated inflation and interest rate changes on fixed income markets

●     The importance of long-term planning instead of “timing the markets”

●     And more!

Connect with David Vallieres:

●     hello@synergycapitalsolutions.com

●     Synergy Capital Solutions

●     LinkedIn: David Vallieres

Connect with Eric Nahat:

●     LinkedIn: Eric Nahat

About Our Guest:

Eric holds dual roles working on implementation of client investment portfolios and managing client financial planning and asset-management relationships. As Director of the Synergy Investment Committee, Eric consults on the Synergy Strategy Portfolios with a focus on economic analysis and security selection. With a master's degree in business administration from the University of Michigan, Eric also holds the Series 7, 63 and 65 licenses as well as Life, Health and Variable Annuities Insurance licenses.

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Remember, doing so can significantly affect you at a later stage in your life.

In part three of the Women and Wealth series, David Vallieres and Jordann Andrusiak are joined by Margie, Pat, and Marla, all of whom are in the retirement phase of their lives. They discuss the importance of taking hold of your finances and developing financial literacy early on in life.

The guests discuss:

●     How they navigated their financial complexities during the death of their spouse

●     How an advisor can ease your financial burden during unforeseen life circumstances

●     Why you need to discuss your finances with your children

●     Financial decisions that might keep you up at night if you have not planned for them

●     And more!

Connect With David Vallieres:

●     hello@synergycapitalsolutions.com

●     Synergy Capital Solutions

●     LinkedIn: David Vallieres

Connect With Jordann Andrusiak:

●     LinkedIn: Jordann Andrusiak

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In part two of this series, David Vallieres and Jordann Andrusiak are joined by Amanda Dorio, Danielle Lee, Denise Gergley, and Hannah Haley. With each of them currently in a different stage of life, they share what they wish they could’ve told their younger selves regarding finances.

You will learn:

●     How to balance your finances based on your priorities

●     How being concentrated now can help you make better decisions when you’re older

●     Why you need to slow down and put a financial plan in place

●     And more!

Tune in to learn these women’s mistakes and how you can avoid them for yourself!

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: hello@synergycapitalsolutions.com | Amanda Dorio | Denise Gergley | Hannah Haley | Silver Spoon Kids : How Successful Parents Raise Responsible Children

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In part one of this series, David Vallieres and Jordann Andrusiak are joined by Amanda Dorio, Danielle Lee, Denise Gergley, and Hannah Haley. With each of them currently in a different stage of life, they share the major expenses they are facing, how they deal with them, and steps they are taking to secure their financial future.

You will learn:

●     Why certain major financial decisions might keep you up at night if you haven’t planned for them

●     How an advisor can help you make informed, data-driven decisions

●     Tips to raise your children to be financially responsible

●     And more!

Tune in to learn how you can navigate the financial complexities at different stages of your life!

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: hello@synergycapitalsolutions.com | Amanda Dorio | Denise Gergley | Hannah Haley | Silver Spoon Kids : How Successful Parents Raise Responsible Children

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In part two of this series about expected tax changes, join David Vallieres, Jordann Andrusiak, and returning guest Richard Schloss, as they dive deeper into how the new tax proposal may affect your income, estate, and gift taxes. They also discuss strategies to help you optimize your wealth transfer to future generations.

You will learn:

●     The time period when the proposal is most likely to be passed

●     How to use the Spousal Lifetime Access Trust (SLAT) & the Irrevocable Life Insurance Trust (ILIT) for efficient estate planning

●     Tips to help you fully utilize your current unused gift tax exemptions

●     And more!

Tune in to discover steps you can take today to minimize the impact of the new tax regulations!

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

But you can take advantage of them while they last.

In this episode, David Vallieres and Jordann Andrusiak talk to Richard Schloss, member at Dawda, Mann, Mulcahy & Sadler, PLC. Join them as they explore the expected tax law changes and discuss the impact on estate planning, trust administration and income tax planning.

You will learn:

●     How drastic reductions in estate and gift tax exemptions may affect your financial plan

●     The likelihood of various tax laws being passed in the near future

●     Things you can do now to prepare yourself to deal with the new tax regulations

●     How increased tax rates might affect the M&A space

●     And more!

Tune in to learn how you can proactively adapt to expected tax changes!

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Email at: hello@synergycapitalsolutions.com |

Hightower Advisors, LLC is an SEC registered Investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

In this episode, David Vallieres and Eric Nahat discuss the anticipated trends in consumer spending, equity markets and fixed income assets. They also explore strategies to reduce your exposure to short-term market changes and help you lay out a comprehensive long-term plan.

You will learn:

• How changes in the 10-year treasury yield affect the equity markets
• What we mean by “duration” – and how it affects fixed income investments
• Expected economic growth in 2021 and beyond
• Tips to create a well-balanced portfolio while still taking advantage of short-term trends
• And more!

Tune in to get important updates on the current and anticipated market trends!

Resources: Synergy Capital Solutions | David Vallieres | Eric Nahat on LinkedIn | Email at: hello@synergycapitalsolutions.com 

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In the second part of the Florida Domicile series, David Vallieres is joined by Michael Witzke, chair of McDonald Hopkins Estate Planning and Probate Group, and Amanda Dorio, managing attorney at The Dorio Law Firm, PLLC. Together, they dive deep into the asset protection and property tax benefits in Florida and discuss how it can have a significant impact on your financial plan.

You will learn:

●     The fundamental difference between estate tax and inheritance tax

●     How to access the two key asset protection tools in Florida – Homestead Creditor Protection and Tenancy by the Entirety

●     Real-world examples of clients benefitting from Florida Domicile

●     Complications that may arise in the state you’re leaving, and tips to deal with them

●     And more!

Listen now to learn how you can take advantage of the various tax and asset protection advantages offered by the state of Florida!

Resources:

Synergy Capital Solutions | David Vallieres | Email at: hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

And one of the states in hot demand right now is – Florida!

In this episode, David Vallieres is joined by Mark Burns, CEO at Synergy Capital Solutions. They discuss why so many people are moving to Florida, not just for the warm weather and the social lifestyle, but also for various tax benefits and a better asset protection offered by the state.

You will learn:

• The key factors you should consider before changing your residency
• How the lack of a state death tax in Florida can save you thousands of dollars
• What the Homestead Creditor Protection program is all about – and the potential benefits from an asset protection standpoint
• The property tax benefits enjoyed by primary residents of Florida
• Why top wealth advisors and attorneys are setting up their practice in Florida
• And more!

Tune in to learn why you should consider a Florida domicile, and how the rapidly growing state offers several opportunities for the future!

Resources: Synergy Capital Solutions | David Vallieres | Mark Burns | Email at: hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres is joined by Jordann Andrusiak, and guest Dennis Wolgin, tax consultant at Schlaupitz Madhavan, P.C. Join them as they discuss how financial planners can effectively collaborate with tax advisors to provide greater value to their clients, as the tax filing season approaches.

In this episode, you will learn:

• How Synergy Capital Solutions works closely with tax experts to develop highly efficient tax-plans
• Ways in which secure online portals help you keep your documents organized
• How to prepare for the very first tax meeting with your advisors
• Questions that you should ask while hiring a tax advisor – as an individual or a business
• And more!

Tune in to learn how you can be better prepared to tackle your 2020 taxes during the upcoming tax season!

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Schlaupitz Madhavan, P.C.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres is joined by Alex Burns, John McCarron, and Lisa Inman to discuss 2020 taxes and how you can prepare for this upcoming tax season. 

In this episode, you will learn:

• Ways you can begin to prepare for the 2020 tax season
• How the CARES Act will impact your 2020 taxes
• Whether you should be maxing out your retirement accounts this year
• How Synergy can help you this tax season — and why it’s imperative to coordinate with your tax professional
• What you should be asking of your tax professional
• And more!

Tune in to hear from the Synergy Capital Solutions team to start preparing for the 2020 tax season!

Resources: Synergy Capital Solutions | David Vallieres | Alex Burns | John McCarron

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Wouldn’t it be so much better if they could collaborate with each other?

In this episode, David Vallieres, Jordann Andrusiak and Norton Stern from Synergy Capital Solutions are joined by Matt Caplan from Dawn Divorce Attorneys for Women. They discuss how advisors can work closely with attorneys and other professionals to better serve their clients.

In this episode, you will learn:

• The importance of having a solid understanding of your finances
• How advisors and lawyers can work together to help their clients have an effective plan in place
• Why you should always look towards the future and ask “What do I do next?”
• How COVID-19 has increased the need for legal and financial help
• Synergy Capital Solution’s plans for an all-new series in 2021
• And more!

Tune in now to learn how you can optimize your financial situation through collaborations with professionals.

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Synergy Capital Solutions Podcasts | Email at: hello@synergycapitalsolutions.com | Dawn Divorce Attorneys for Women

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

So, are you ready to kickstart 2021? Do you have a robust plan in place?

In this episode, David Vallieres is joined by his fellow investment committee members at Synergy Capital Solutions, Jordann Andrusiak and Eric Nahat. They discuss the key market trends you can expect over the coming months, and how you can adjust your plan to fully harness the opportunities that 2021 has to offer!

In this episode, you will learn:

• The expected recovery trends for the markets going forward
• How the elections, both at the presidential level and Georgia Senate run-off, affect the markets
• Ways in which interest rates are expected to influence fixed-income investments
• Why you should always focus on long-term investment planning
• And more!

Listen now to learn more about the expected market trends, as further updates about the elections and COVID-19 unfold!

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Eric Nahat | Synergy Capital Solutions Podcasts | Email at: hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres speaks with Jordann Andrusiak, Bill Brown and Norton Stern as they discuss how they take on the primary responsibility as the quarterback calling the shots. They discuss the systematic process of leading advisors and professionals to achieve the clients’ goals.

In this episode, you will learn:

• What it means to collaborate with other professionals to get the best results for your clients
• How we work and collaborate with other advisors
• How we take the lead to overcome challenges
• What expectations we hold for the CPAs, attorneys or other professionals that we have partnerships with
• And more!

Tune in now to learn more about who is in charge of the group marching you down the field. 

Resources: Synergy Capital Solutions | David Vallieres | Jordann Andrusiak | Bill Brown 

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres is joined by colleague Mark Burns to discuss how COVID and the recent elections have affected the market. They provide several meaningful insights into how you can proactively adjust your financial plan to the anticipated future changes in 2021.

In this episode, you will learn:

• The key transition periods during 2020 and how to prepare for year end
• Ways in which the elections affect you from a regulatory and a tax standpoint
• How technology has impacted the marketplace, the workforce and the clients
• What’s around the corner for 2021 and your next steps going forward
• And more!

Tune in now to learn how you can enter 2021 with a solid long-term plan to better manage your finances!

Resources: Synergy Capital Solutions | David Vallieres | Mark Burns | Email at: hello@synergycapitalsolutions.com

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres and Eric Nahat discuss the impact this historic election and results have had on the market. David and Eric dig through the noise and talk about what they have seen over the past week of dissension from a market perspective.

In this episode, you will learn:

• How the noise and lawsuits around this election may affect the market
• Why a divided government historically has had a positive effect on the market
• Why this can be an emotional time for investors and clients with the interim uncertainty
• What is driving the federal reserve
• And more!

Tune in now to learn more about how the results of the election are impacting the market.

Resources: Synergy Capital Solutions | David Vallieres | Eric Nahat

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres speaks with team members Norton Stern, Mark Burns and Jordann Andrusiak to provide a picture of the people who work together on behalf of the Synergy Capital Solutions client experience.

In this episode, you will learn:

• How Mark and Norton brought their businesses together to create Synergy Capital Solutions
• How Synergy Capital Solutions works to serve their advisors and relationship managers
• How the clients benefit from having a collaborative team approach
• And more!

Tune in to learn more on the strength of the team!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

David Vallieres is joined by Daniel Alfredson, Vice President of Client Services at Synergy Capital Solutions to discuss the tough questions that need to be answered when starting, expanding or exiting your business

In this episode, you will learn:

• The types of businesses that Synergy Capital Solutions works with
• What questions you need to ask yourself before starting your business
• How the Synergy team can help with your exit strategy
• And more!

Tune in to learn valuable information about starting your own, expanding, or exiting your business!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, David Vallieres is joined by Norton Stern, Anne Iwasko, Lisa Inman and Jeff Royse as he introduces to you the team behind the scenes that are committed to helping you create your financial plan.

In this episode, you will learn:

• The role the service team plays in the office functions
• How Synergy Capital Solutions creates a  seamless experience between client and advisor
• Who tracks and monitors your accounts on a regular basis
• Why it’s important to have a trusted team on your side
• And more!

From scheduling and marketing, to client concierge, tune in as David, Norton, Lisa, Anne and Jeff give you insight into  the office breakdown!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial-Plan It, David Vallieres is joined again by Bill Brown to continue their series on estate planning, and to discuss special needs trusts with a very special personal story.

In this episode, you will learn:

• What a special needs trust is and who it helps
• The benefits and potential drawbacks of this type of trust
• The different types of special needs trusts
• Bill’s personal connection with special needs trusts
• And more!

Tune in to learn how a special needs trust can increase quality of life in applicable situations!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this special market update episode of Your Financial-Plan It, David Vallieres is joined by Mark Burns and Eric Nahat to discuss and update you on several market aspects that have been impacted by the pandemic. 

In this episode, you will learn:

• How the downward economic trends impacted markets, bonds, and investments 
• How fiscal government policies supported financial re-opening 
• How financial plans and emergency funds can ease the recovery process 
• Some predictions for a possible second COVID-19 wave
• And more!

Tune in to learn how the economic stimulus can help the markets recover more quickly. 

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn how Synergy Capital Solutions takes the time to do the research to find the best possible solutions for their clients.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn how to you can ensure your wishes for your assets are adhered to incase the worst should happen.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn more about advanced planning to see how you can ensure your wealth is shared for years to come.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to be kept up to date and don’t focus too much on the short term, the markets will survive beyond COVID-19.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

But this isn’t the first time an unexpected event has rocked the investment world.  

To help put the current pandemic into perspective, David Vallieres is joined by Norton E. Stern for today’s insight-filled episode. With 50 years of investment experience, Norton shares his experience with past market events and how he’s helped guide investors through the unexpected.

In this episode, you’ll learn:

• How a plan can help you overcome uncertainty
• How past events have impacted the global economy 
• What Norton has learned about the economy over the past 50 years
• And more!

Join David and Norton now to gain a new perspective on the COVID-19 crisis and our economy!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn to hear how great companies are adapting to the new way of commerce.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn how to start preparing for what the new norm may be.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Today, David Vallieres is joined with Dr. Jeff Allen of Synergy Capital Solutions to discuss the coronavirus crisis, covering everything from social distancing to the different financial consequences of this global pandemic.

In this episode, you will learn:

• Dr. Allen’s experience with COVID-19 and the importance of social distancing 
• If warmer weather could decline the spread of COVID-19
• How an emergency fund could help during difficult times 
• The importance of considering financial and estate planning 
• And more!

Tune in to now for David and Dr. Allen’s insightful explanation of the medical and financial impacts of COVID-19. 

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn how the government is helping individuals get through this time of self isolation.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, you will meet your host, David Vallieres, chief operating officer at Synergy Capital Solutions. Get to know David as he shares his firm’s financial-planning philosophy, how his role as a youth hockey coach influences his work, and more. 

In this episode, you will learn:

• About Synergy’s mandate when helping families and businesses  
• Who David Vallieres is: his leadership role, financial career, hockey, and family 
• David’s best recommendation for clients, family, and friends
• And more!

Tune in now to the first official episode of Your Financial Plan-It Podcast!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Tune in now to learn how the markets are being affected and what we’re doing to help clients during this tumultuous time.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode, you will learn:

• How historical events have helped Synergy Capital Solutions prepare their clients for market fluctuations
• Why today’s investors are more prepared for a market crash than in the past
• Why the coronavirus is not the only thing that’s impacting the markets
• Why it is important to have a strategic plan
• What you can do to get through the market changes
• And more!

Tune in now to learn how the markets are being affected and what Synergy Capital Solutions does to help clients during tumultuous times!

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.