Make it Make Cents

Armstrong Advisory Group

Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  1. 2d ago

    How to Talk About Money With Your Family Without Making It Awkward

    Money can be one of the hardest subjects to discuss with family, but the right questions can turn an uncomfortable topic into a meaningful conversation. Family gatherings can offer a rare opportunity for different generations to share financial lessons, experiences, goals, and even mistakes. Michele Cropley and financial advisor Brendan Hayes explore ways to start productive conversations about money with parents, children, grandparents, and other family members. They discuss thoughtful questions that can get everyone involved without making the conversation feel intrusive or overly personal. They cover: ●    What financial success means and why the answer can be different for everyone ●    The biggest financial decisions people make throughout their lives ●    What you would tell your 25 year old self about money ●    The difference between looking rich and actually building wealth ●    Why investing early matters even when you can only start with small amounts ●    How retirement goals and lifestyle affect how much you may need to save ●    When parents might consider helping their adult children financially ●    What families should discuss about wills, trusts, powers of attorney, and future financial responsibilities The key takeaway: Talking about money does not have to mean comparing salaries, account balances, or net worth. Sharing experiences, asking thoughtful questions, and discussing lessons learned can help younger generations develop better financial habits while giving families a clearer understanding of each other's goals and priorities. Sometimes one conversation around the dinner table can introduce an idea or lesson that sticks for years. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  2. 5d ago

    What Higher Interest Rates Mean for Your Money

    Interest rates affect more than Fed headlines. They shape borrowing costs, savings yields, mortgage rates, bond returns, and the decisions investors make with their money. In this episode of Make It Make Cents, Michele Cropley is joined by Cash Armstrong of Armstrong Advisory Group to explain how the federal funds rate works, why the Fed raises or lowers rates, and how those decisions ripple through the economy. They also discuss why the Fed does not directly control mortgage rates, what the 10-year Treasury crossing 5% may signal, how higher rates affect borrowers and savers differently, and why your investment strategy should reflect your time horizon, risk tolerance, income needs, and overall financial plan. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  3. 5d ago

    Money Lessons That Shape a Financial Advisor’s Life

    Michael Bradley joins Make It Make Sense to share how his path from Newton, Stonehill, and early career uncertainty led him to become a financial advisor with Armstrong Advisory Group. In this episode, Michele Cropley talks with Michael about his background, his decision to pursue finance, the professional risk he took by leaving Armstrong before eventually returning, and how his own relationship with money has changed over time. They also discuss balancing short-term spending with long-term goals, why investing early can make such a difference, and the simple first step anyone can take to get more organized with their finances Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  4. Sep 14

    Meet Paul Lane The Values Behind a Financial Advisor

    What shapes the way a financial advisor thinks about money, relationships, success, and the people who trust them with their financial future?  In this episode of Make It Make Cents, Michele Cropley sits down with Armstrong Advisory Group financial advisor Paul Lane for a more personal conversation about the experiences that shaped his life and career. Paul shares how his upbringing, family, love of sports, and early exposure to financial advising influenced the person and advisor he is today. They cover: ●    How growing up in Wellesley shaped Paul's perspective on opportunity and gratitude ●    Why sports played such an important role in his childhood and still influence how he thinks ●    How becoming a husband and father changed his priorities and motivation ●    The habits and discipline that helped him advance personally and professionally ●    Why an early internship convinced him that financial advising was the right career ●    The best lessons he has learned from mentors, including the importance of owning mistakes ●    Why trust, honesty, and communication are essential to a strong advisor and client relationship ●    How Paul defines success through relationships, client retention, referrals, and helping people reach meaningful financial goals The key takeaway: For Paul, being a successful financial advisor is about much more than markets and investments. It is about building relationships based on trust, communicating complicated ideas clearly, continuing to learn, and helping people feel more confident about important financial decisions. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  5. Sep 2

    The Big Money Decisions That Shape Long Term Wealth

    Small purchases get a lot of attention, but the biggest impact on long term wealth usually comes from major financial decisions around housing, investing, taxes, retirement timing, and big ticket purchases. In this episode of Make It Make Sense, Michele Cropley is joined by Brendan Hayes, financial advisor with the Armstrong Advisory Group, to discuss why decisions like how much house to buy, whether to pay down debt or invest, how to evaluate investment returns, and when to retire can have a much larger effect than everyday spending habits. They also cover opportunity cost, tax planning, expensive cars, boats, vacation homes, and why a strong financial plan can help people make confident choices without losing sight of the future. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  6. Aug 26

    Meet Scott Wilson Discipline, Family and the Lessons Behind Financial Success

    Financial success rarely happens overnight. For financial advisor Scott Wilson, the same principle that applies to investing also applies to life: meaningful progress comes from discipline, consistency, and doing the difficult things even when motivation fades. In this special episode of Make It Make Sense, Michelle Cropley sits down with Scott to learn more about his life inside and outside the office. Scott shares how a college professor helped steer him toward financial services, what more than two decades in the industry have taught him, and why his roles as a husband, father, athlete, and lifelong learner continue to shape the way he approaches his work with clients. They cover: ●    How an accounting major unexpectedly found his way into financial services ●    Why hockey played a role in bringing Scott to Armstrong Advisory Group ●    How family, coaching, skiing, hiking, and an active lifestyle shape his life outside the office ●    Why continuous learning remains important after more than 20 years in the financial industry ●    How the role of a financial advisor has evolved from selling products to providing comprehensive guidance ●    What financially successful clients have taught Scott about consistency and sacrifice ●    Why discipline matters more than motivation when pursuing long term goals ●    How strong client relationships go beyond numbers and often include the emotional side of financial decision making The key takeaway: building financial independence is a lot like reaching the summit of a mountain. There will be difficult stretches along the way, and motivation will not always be there. Scott's experience has shown him that consistently making thoughtful decisions, accepting necessary sacrifices, and continuing to move forward one step at a time can ultimately make the biggest difference. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  7. Aug 19

    Meet Cash Armstrong From World Traveler to Financial Advisor

    Before becoming a financial advisor, Cash Armstrong took a very different path. He taught English in South Korea, waited tables in New Zealand, worked on a strawberry farm in Australia, and traveled throughout Southeast Asia. But his interest in money and investing began much earlier, growing up in the Armstrong family and learning the value of hard work, teamwork, and saving from a young age. In this special episode of Make It Make Sense, Michelle Cropley sits down with Cash to learn more about the man behind the microphone. Cash shares the story behind his unusual first name, what it was like growing up in the family that founded Armstrong Advisory Group, the experiences that took him around the world, and what ultimately led him to a career helping people with their finances. They cover: ●    The story behind the name Cash and his connection to the Armstrong family ●    The money lessons his father taught him at an early age ●    How a savings match helped Cash start investing while working his first job ●    What living and working in South Korea, New Zealand, and Australia taught him ●    How teaching, traveling, and meeting people from different backgrounds shaped the way he communicates today ●    What it took to earn the Certified Financial Planner certification ●    Why the fiduciary standard is so important to Cash and his approach to financial advice ●    What Cash finds most rewarding about helping clients navigate their financial lives The key takeaway: becoming a financial advisor isn't always a straight path. Cash's experiences with family, travel, education, and investing have all helped shape his approach to the profession and his belief that good financial advice starts with understanding the individual and doing meaningful work that can make a difference in someone's life. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

  8. Aug 12

    Meet Brendan Hayes: Money, Family and Lessons From a Financial Advisor

    For financial advisor Brendan Hayes, an interest in money started long before it became a career. From counting coins with his grandmother at five years old to investing money from paper routes and odd jobs as a teenager, some of his earliest experiences helped shape the way he thinks about money today. In this special episode of Make It Make Cents, Michelle Cropley sits down with Brendan for a more personal conversation about his path into financial services, his life outside the office, and the lessons more than 25 years of working with clients have taught him about money, retirement and life. They cover: ●    How Brendan's experiences with money as a child helped spark an interest in investing ●    Why becoming a financial advisor requires experience, education and trust ●    The role family, soccer, skiing, biking and adventure play in his life outside the office ●    What Brendan finds most rewarding and most frustrating about working with clients ●    Why understanding a person's priorities is essential to building a successful advisor relationship ●    What decades of watching clients navigate retirement and major life changes have taught him ●    Why accumulated wealth should ultimately help people find fulfillment and enjoy the life they've built ●    Brendan's encouraging observation that financial lives can often turn out much better than people expect The key takeaway: financial planning is ultimately about much more than the numbers. After decades of working closely with families, Brendan has seen how quickly circumstances can change and why thoughtful planning can give people more opportunities to use their money in ways that create meaningful experiences, memories and fulfillment. Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”

About

Make It Make Cents is an educational personal finance podcast produced by Armstrong Advisory Group to help listeners better understand money decisions and long term planning concepts. The show covers broad financial topics such as budgeting, saving, debt management, and retirement planning. “This content of the post or podcast is intended solely to provide general information regarding our business services. Nothing within the post constitutes personalized investment advice or is an offer to buy or sell any security or insurance product. To the extent you wish to engage us for investment advice based upon your personal investment circumstances and objectives, please contact us directly at (781) 433-0001. Armstrong Advisory Group, Inc. does not offer tax or legal advice and no portion of the post or podcast should be interpreted as legal or accounting advice. You are strongly encouraged to seek advice from qualified tax and/or legal experts regarding any tax or legal matters relevant to you. You agree, as a condition precedent to your access to the post or podcast, to release and hold harmless Armstrong Advisory Group, Inc., its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of your actions or omissions, which are independent of your receipt of personalized investment advice from Armstrong Advisory Group, Inc. Armstrong Advisory Group ("AAG") is affiliated with an insurance agency called Armstrong Insurance Group, Inc. ("AIGI"). AIGI offers insurance products and services to customers, including investment advisory clients of AAG. AAG refers clients to AIGI for those products and services. AIGI does not, however, compensate AAG for any referrals. Certain AAG representatives are also licensed as insurance professionals appointed with AIGI and may earn commission-based compensation for selling insurance products, including insurance products implemented for AAG clients. Insurance commissions earned by AAG representatives are separate and in addition to AAG's advisory fees. This practice presents a conflict of interest as the representative has a financial incentive to recommend insurance products to a client. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any of AAG's representatives or any other AAG affiliated person.”