In this episode, we dive into the latest fiscal priorities shaping America’s future. From proposed $163 billion in cuts to non-defense programs to major increases in defense and homeland security spending, the federal budget tells a story about shifting priorities — and what that means for your money.

Ever wonder where your tax dollars actually go once they leave your paycheck? In Episode 40 of Your Bread and Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down how the U.S. federal budget is created—from the President’s proposal to Congress’s final approval.

In this episode, we dive into practical strategies to stay ahead in today’s changing economic landscape. With inflation pressures, labor shortages, and shifting market conditions, it’s never been more important to take a proactive approach to your money.

In this episode of Your Bread and Butter, advisors Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the origins, history, and role of the U.S. Federal Reserve, and connect it to today’s economic challenges like inflation and tariffs — with insights that matter for investors, consumers, and financial advisors alike.

Ever dreamed of starting your own business? 🚀 In this episode, Andrew Beaudry, CFP® and Ryan Cummings, CFP® dive into the realities of entrepreneurship—the passion, risks, rewards, and what it truly takes to succeed.

Want to not just survive—but thrive—in corporateAmerica? In Episode 36 of Your Bread and Butter, Andrew Beaudry, CFP® and Ryan Cummings, CFP® reveal a proven 6-step career framework to help you stand out, grow your influence, and take control of your professional future.

Your Bread and Butter Podcast with Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® Life is full of choices—but some define the entire course of your journey. Inspired by Robert Frost’s “The Road Not Taken,” this episode explores one of the most definingdecisions: career vs. business.

Congress just passed a massive financial framework, and it's going to change everything — your taxes, your business deductions, even crypto regulation. In this episode, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down what’s inside the FY 2026 federal budget and what it means for your wallet, business, and portfolio.

Summer fun doesn't have to mean financial frenzy! In Episode 33 of Your Bread and Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® share practical tips to help families stay on track with their finances during the busy summer months.

In Part 2 of Your Bread and Butter’s look at the economy and markets, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® return with a deeper dive into how tariffs, market uncertainty, and global dynamics are shaping financial outcomes — and what smart investors can do about it. From revised GDP forecasts to shifting political will in Washington, this episode unpacks the current landscape and offers practical, level-headed strategies to stay grounded through volatility.

In this episode of Your Bread and Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® take a deep dive into thecurrent state of the U.S. economy — and where it might be heading. Ever packed a bag without knowing your destination? Just wandered the airport hoping a flight felt right? Yeah, us neither. When it comes to your financial future, direction matters. We’re here to unpack where the economy and markets stand today — and what’s on the horizon — so you can plan, prepare, and focus on what you can control.

So the bags are packed, the dorm fridge is loaded up, the Play Station is secured along with the TV, and the bills are starting to roll in...It's too late to plan for college expenses, but it IS time to pay. What can you do to get funding, again, without selling your kidney! Listen in and get tips and practical ideas as to steps you can take so that your young adult can focus on their education and campus social life, while your checkbook meet's the challenge.

🎓 College Costs Are Coming! Springtime means blooming flowers, warmer days… and yes, time to figure out how to pay for college! Whether you’re heading off for your first semester or gearing up for another year toward that degree or certification, planning ahead can save you a lot of stress—and all your vital organs. We’re here to help you create a smart, doable funding plan—no kidney donations required. 🏥💸 Tune in to learn the key steps to cover college costs without resorting to black-market solutions. Your future (and your spleen) will thank you.

Welcome to “How to Lose Debt Weight” — the podcast where shedding pounds and paying down debt go together. Like trimming fat from your waistline, we’re here to help you slim down your finances. We will help flex your budgeting muscles, cut the excess spending calories, and build strong saving habits that’ll leave your wallet lean and mean. Join us as we train your mindset, coach your cash flow, and spot you on your journey to financial fitness. Getting in shape isn’t just for the gym — it’s for your bank account too. Ready to lose the debt weight that’s been holding you back? Let’s get financially fit — one rep and one repayment at a time.

There’s no shortage of financial advisors out there—but finding someone who truly puts your best interests first? That’s a different story. When it comes to achieving your financial goals and turning your dreams into reality, working with a fiduciary—especially a Certified Financial Planner™ (CFP®)—can make all the difference. We’re here to show you why choosing the right advisor matters and how a CFP® can be your trusted partner every step of the way.

We use health professionals whose career training is to always seek our best interest for our physical and mental health. The same standard can be used for your monetary health as well. A financial fiduciary’s role is to always seek your best interest in giving advice about your money decisions and how it affects your plans, reality and your dreams. This podcast describes the unique characteristics of what happens when you work with a someone who is a fiduciary by trade and training.

Looking to sell your home but unsure about the best price? Tune into our latest podcast episode, where Steven Laplante, the seasoned owner of Laplante Real Estate, shares his expert insights. With over 30 years of experience in helping homeowners get top dollar for their properties, Steven offers practical tips and valuable advice you won’t want to miss. Don’t leave money on the table—listen now and learn how to price your home right!

After purchasing your home, maintenance and repair or renovations are a key part in keeping or increasing the value of your purchase. How you maintain and how much it costs to upgrade, are important factors in building saleable future value. You should know what brings the most bang for your dollar, both in lifestyle and your wallet!

Buying a home is a huge financial decision. Know what you need and what you want. Let those parameters guide you in your choice of where you will live and "make" your home! We help you go through the decision process and list out factors you should consider.

Whether its a buying or selling frenzy, you should understand the historical housing cycles that are well documented through various economic history. This will help you decide whether you should be a buyer or a seller, or both!

A discussion on how the US and Global economy is currently funstioning and siome of the issues that are affecting the markets around the world.

Are you frustrated by the poor customer service in your daily life...we want to help! Two Customer Service Professionals with over 40 years of combined experience, share their tips in how to get the most out of your customer service providers.

The basics of planning for your estate and what trusts might work for you!

Did you know that if you don't have a legal will, your residence state has one for you...and the people you leave behind after death may very well be hurt financially by your state's plans for your assets.

Alternative Investments are intended for "Accredited Investors" and carry significantly more risk than other investments. If you are curious as to whether you qualify as such, please consult with your Investment Advisor to review the stringent requirements.

What is a stock? It is all about ownership or otherwise known as "equity". We will talk about the fundamental facts of how stocks are used and why they are used as a backbone of a portfolio for most investors.

Basic food groups of investing begin with cash, then onto bonds. These are debt investments where you loan money to an outside entity, a business or government institution, and they give you a rate of interest to borrow your money for a certain length of time

As you begin to make your dinner there are basic ingredients to a recipe that should be followed to have success. Our first financial food group is Cash, freshmen class 101.

The part of eating cooked meals that nobody likes to do: the dishes or in the financial realm= TAXES!

Getting yourself set up for success in preparing your "financial" meals!

Get on track in the new year when it comes to your money. You earn it... how do you keep it!