Beyond Conventional Podcast Joe Biondolillo

Many financial services professionals today believe their clients do not need insurance because they are self-insured. However, once clients truly understand what insurance can do for them, they tend to see the power of life insurance when it is a part of an overall financial strategy. Insurance is a way to transfer risk and by taking away that risk, you no longer need to worry about absorbing that risk.
Learn more about the myth of life insurance in this podcast:
Pension maximization is a financial strategy that has the potential to increase retirement income by combining the benefits of permanent life insurance with aspects of a defined benefit pension plan, particularly in cases where the pension participant may choose between a Life Only Benefit and a Joint and Survivor benefit, which pays a benefit for as long as the plan participant or a surviving spouse lives. 
Disclosure:
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or BiondFinancial and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  
By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.  
Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. BiondFinancial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 0I32947 / AR Insurance License Number- 12821376.  #2023- 151752. Expires 03/2025

Compound interest is something that has really become a topic at the forefront of financial strategies. You get a lot of money over a long period of time since it compounds in an exponential manner. It’s often depicted as an exponential curve which, really gets you value after a long time. However, you have to realize that compound interest computations take into account a lot of hypothetical scenarios.
Learn more about compound interest in this podcast.
Disclosure:
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or BiondFinancial and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  
By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.  
Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. BiondFinancial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 0I32947 / AR Insurance License Number- 12821376. #2023- 151751. Expires 03/2025

In today’s society, we are constantly faced with the possibility of life throwing us a curveball.  This is why implementing a protection plan is very important when it comes to finances. However, there is a popular myth going around where having more protection equals less cash flow. In this podcast, Joe shares how protecting yourself properly does not necessarily mean less cash flow.
Joseph Biondilillo, Financial Representative of The Guardian Life Insurance Company of America (guardian). New York, NY, BiondFinancial/Biondilillo Financial Group, LLC, is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.
Disclosure
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or BiondFinancial and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  
By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.  
Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. BiondFinancial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 0I32947 / AR Insurance License Number- 12821376. #2023- 151750. Expires 03/2025

Joe Biondolillo shares when it comes to mortgages, most people make financial decisions that are ultimately based on what they’ve heard. A lot of people approach mortgages with the sales hype and the psychological perspective of paying for your home over a long period of time. Oftentimes, people make a decision on mortgages based on their emotions.
Learn more about myth number 3 A 15-Year Mortgage Costs Less Than a 30-Year Mortgage in this podcast.
Disclosure:
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or BiondFinancial and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  
By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.  
Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. BiondFinancial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 0I32947 / AR Insurance License Number- 12821376.  #2023- 151748. Expires 03/2025

Most of us have heard of the benefits of a 401k. It’s great from a tax perspective, it’s what successful people do, so we are often recommended to max out our 401k. However, before we dive into the 401k discussion deeper we have to establish a couple of things. We often hear of 401k as part of an investment strategy but we have to realize that for every financial decision we make, it has to fit in with the big picture of what we’re trying to accomplish. It’s not that 401k is good or bad, but it is situational. We have to understand both the advantages and the disadvantages to avoid any misunderstanding.
Learn more about the advantages and disadvantages of the 401k in this podcast.
Disclosure:
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or BiondFinancial and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  
By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.  
Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. BiondFinancial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 0I32947 / AR Insurance License Number- 12821376. 
#2023- 151747. Expires 03/2025

Joe Biondolillo shares how many people in retirement feel they will be paying less money from a tax perspective. In fact, some actually pay higher taxes and while we can’t do anything about high taxes, we can plan for it. Learn more about how to plan for retirement and retirement preparing in this podcast.
Disclosure:
This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or BiondFinancial, and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  
By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.  
Joseph Biondolillo is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. BiondFinancial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 0I32947 / AR Insurance License Number- 12821376.
#2023- 151745. Expires 03/2025