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Richard Oring and Josh Levitus discuss financial matters at New Century Financial Group, located in Princeton, New Jersey. Richard's expertise in taxes and accounting provides him with a distinct viewpoint on financial planning and how taxes interplay with it. Meanwhile, Josh offers his experience in working with younger investors to the discussion.
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Yo TRIO! Podcast

Jim Oree, Rod Adams and Richard Nixon

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The Yo TRIO! Podcast is the place you listen to for TRIO Information, Discussion, Deliberation and whatever other "ations" you need for your TRIO journey. Pop culture references, movie reviews, music quizzes; you name it, we talk about it! (See what we did there?) We share information for TRIO professionals, alumni, friends, supporters and occasionally students.
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Obscure Music History is an investigative music podcast, sneaking behind-the-scenes to take apart B-sides and rarities of unpopular music. And it's a comedy! || Produced by Tom Hogan. He is also the host of Missing Richard Mercer, and Polish Club's Sophomore Slump. For more projects, visit TomHogan.com.au
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Send us a text Life After TRIO: A Conversation Even before the current crazy climate, we all knew some folks who left TRIO utilizing skills and lessons learned for different areas and/or careers. A professional life after your TRIO career is something everyone should consider. Things are often changing and that alone often requires full information…
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Send us a text Yo TRIO, what's happening?! This episode is fun. Please enjoy. We would like you to join the debate after you enjoy our word of the month (and top contender for word of the year!). Find us on the Buzzsprout Website, I HeartRadio, Apple podcast and just about everywhere in between. Also, reach out to the show and let us know what you …
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Send us a text ASPIRE- land of Rocky Mountains and TRIO veterans with great information to share with the Yo TRIO podcast listeners! This interview was taped in the Spring of 2023. Delayed but not diluted, it packs golden nuggets for the young and not so young TRIO professional. Representing the region in this initial interview are Theresa Rader an…
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Have you ever wondered how Federal Reserve's interest rate changes can affect the market? Well, Kevin Caron, a seasoned Portfolio Manager from Washington Crossing Advisors, drops by to decode the world of finance. With his in-depth knowledge and expertise, we explore current cash, bond, and stock environments, and discuss the impact that interest c…
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Want to uncover the hidden potential of 529 plans and the new twists introduced by the Secure Act 2.0? Wondering how this could be the game changer in your child's college fund or even your first-time home purchase? Then this episode is a goldmine waiting to be discovered. We unpack the quirks and benefits of 529 plans, investment plans that not on…
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Have you ever considered how to ensure your financial accounts' safety? Let's discuss the importance of trusted contacts in maintaining financial security. The Finra Rule 2165 is specifically designed to protect individuals over 65 years old or with a mental disability. We will also cover common scams targeting seniors and why keeping your trusted …
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Send us a text On the podcast, we have Dr. Matteel Knowles. Success Coach, TRIO Supporter, Higher Education Leader, sought after speaker and presenter and we can now add successful author to the list of accolades. Dr. Matteel has written an amazing book "It's Your Time To Soar". We promise this book is one you will return to time and again. Don't b…
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Send us a text We know we kept you waiting but this is worth the wait!!! The Yo TRIO podcast is relaunched with celebrity status. In this power-packed episode, we bring you “Superheroes of TRIO!” We have fascinating interviews with leadership from various levels of our community. You’ll want to hear (and share) the perspectives offered for our TRIO…
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What is a fiduciary? This is a question that Richard Oring is frequently asked by his clients at New Century Financial Group. When looking for an advisor, it's an important question to ask. A fiduciary is an individual or organization legally required to manage a person's assets for that person's benefit, not their own. Being a fiduciary means a fi…
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With the market volatility we've experienced in 2022, many folks are looking at different types of investment vehicles. One that Richard Oring's clients have been asking about lately is the I Bond. Today, Rich explains what they are and more. I bonds are securities issued by the US Treasury, that are 20 year notes and continue paying interest for a…
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There are many things you should consider when it comes to end-of-year tax planning, but today Rich and Jag are focusing on Tax Loss Harvesting. To understand tax loss harvesting, we will want to define terms. Rich walks us through cost basis, capital gains (long and short term), capital losses (long and short term), carry-over losses, and the Wash…
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Send us a text See what we did there?! Episode 4 is here for your listening pleasure to help with your wellness. Please, if you have not had a chance to rate and review the podcast on your favorite podcast player, now is the time. We know you want to give us five stars, it's ok, we want you to give us five starts too. Email: [email protected]
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Send us a text This is the magic Yo TRIO! episode. The Fool On Phone is here and this is your new favorite, I promise. We also have a question for you, our most loyal listeners, that may take a few episodes to fully answer. This is the episode that will make you remember to subscribe and rate us and we are all better for it. Check it out, The Hosts…
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How can I tell how well my portfolio is performing? Through this podcast, it's Richard Oring's goal to educate listeners about managing their money. Today, he and Jag look at different ways to evaluate the performance of your portfolio. First, it's important to understand your strategy and overall objective - is it retirement, savings or something …
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Do I need a financial advisor if I'm in my 20's? There's a stereotype that financial advisors are only for older adults - either in or approaching retirement. And that's simply not true. Today, Richard Oring of New Century Financial Group sits down with Jag to talk about why young adults need a financial advisor. Having a financial advisor early in…
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Investing in bonds can be an important part of your overall portfolio. But many investors find them confusing. Today, Richard Oring and Jag break down what you need to know. Stocks are pretty straightforward - if you buy a stock, you own a percentage of a company. Bonds, on the other hand, mean you are buying part of a company's debt. Rich explains…
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There are many loans available for homeowners who want to renovate their homes. Today, Richard Oring of New Century Financial Group is joined by Bobby Dmuchowski, VP of Mortgage Lending at Guaranteed Rate. Bobby explains the advantages of going to a mortgage broker, as opposed to going to your bank. He also talks about the differences between HELOC…
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As the tax landscape ever changes, it becomes more important for your CPA and Financial Planner to collaborate. In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, and Xavier Angel, CFP® are joined by fellow financial advisor Richard Oring and CPA Douglas Ziegler, to discuss why you want two of your most important advisors to be in…
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Today, Rich and Jag welcome Xavier Angel, out of New Century Financial Group's New Orleans office. Rich and Xavier thought Black History Month would be a good time to address the issue of financial literacy in the Black community. Xavier cites the percentage of households below the poverty line for White., Black, and LatinX households. The differen…
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January is a time to re-consider your financial goals. Today, Richard Oring of New Century Financial Group explains why financial planning is no longer for only the rich - it's something that is accessible to everyone. You should start a financial plan in order to develop real, tangible goals and work toward them. These can include education planni…
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Life Insurance is a very important aspect of your financial future. But it can be very confusing. Today, Richard Oring of New Century Financial Group breaks down everything you need to know about Life Insurance. Why do I need life insurance? What can life insurance protect? Can part of my life insurance benefits be donated to charity? What are the …
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Today, Richard Oring of New Century Financial Group and co-host Jon "JAG" Gay cover the field of financial planning - what financial planners do and who needs one. We all have coaches for different aspects of our lives and financial planning is no different. That's where a planner comes in, and with increased advertising in the field, baby boomers …
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Today Richard Oring of New Century Financial Group and Jag are joined by Bill Cass, Director of Wealth Management Programs at Putnam Wealth Management in Boston. With Democrats now in control of the White House, and both houses of Congress, we've received many questions from clients on what that will mean for taxes going forward. This is one of Bil…
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Today, we visit with Richard Oring's former intern (and nephew) Aaron Kravitz. Aaron is about to graduate a 5-year program at Penn State University with a bachelor's and masters degree in accounting. Not only did Aaron have to navigate the usual challenges of college life - time management, accountability, and budgeting - but he is also finishing h…
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Some people are savers, and others are spenders. Today, we break down the psychology of money. Joining Richard Oring are certified financial planner Erik Garcia and clinical psychologist Matt Morris, hosts of their own podcast, Building Us. We start by looking at different types of couples - pairs of savers, pairs of spenders, and one of each - and…
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Today, Richard Oring of New Century Financial Group joins Jon Gay to explain the various fees associated with mutual funds. We cover: What resources are there to find the costs and performance Investor.gov - https://www.investor.gov/ Morningstar.com - https://www.morningstar.com/ Fund Prospectus Definitions to know Front End Load Back End Load No L…
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Ever since COVID-19 began (August 2019) Tom's found it quite hard to get any guests into the studio, but after a year of hardball experimentation, he managed to get the ultimate podcast interview using a new fandangled video phone! Check out this episode with experimental contemporary classical composer Tracy Ore! In this fantastic interview, Tom u…
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Today Rich and Jag look at ways to keep more of your money and give less of it to Uncle Sam. First, we look at basic tax terms including Adjusted Gross Income (AGI) Above The Line Deductions Itemized Deductions Standard Deductions Taxable Income Credits Total Tax Next, we tackle ways to reduce your W2 income: Contributing to a traditional 401k Fund…
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With June here, Richard Oring of New Century Financial Group joins Jon Gay to take stock of where we are, almost halfway through the year. Things we've learned to live without in 2020 Food and Medical Supplies Social Justice and Social Unrest Financial Issues Interest - the difference between lending and borrowing Low rates and refinance options Do…
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Today, Richard Oring and Jag break down the CARES Act - the Coronavirus Aid Relief and Economic Security Act - and what it means for you. We cover: Recovery Rebate Checks for Taxpayers Retirement Plan Withdrawals Retirement Plan Loans Required Minimum Distributions (RMD's) Changes to Charitable Donations Unemployment Benefits Resources: IRS Publica…
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Richard Oring's phone has been ringing off the hook with calls from clients panicked over the coronavirus and what effects it will have on their investment accounts. Today we cover some important things to remember. When you set up your portfolio, you start with goals and what you need to achieve to get there. Once you have the plan in place, stick…
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There are many mistakes that people make with their 401K accounts. Today we try to help you avoid those mistakes now instead of trying to fix them later. They mainly fall into three categories. Contribution Level Mistakes Not putting enough into your 401k Not putting anything into your 401k Not increasing your contributions over time Investment Mis…
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Nobody wants to think about their own mortality. But careful planning can ensure that both your final wishes are granted as directed, and that your loved ones won't have added stress on top of their grief. Richard and Jag discuss the advantages of digital organizers in today's episode. Many, such as Everplans, can help you create a final plan. And …
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In today's episode, we go inside your FICO score - first by explaining what it is, and the factors that go into calculating it. They are: 35% Payment History 30% Amounts Owed 15% Length of Credit History 10% Credit Mix 10% New Credit In addition to breaking down each of these categories, we will also cover what's changing in the newest FICO Score 9…
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What is success? For some, it means financial security. But it really can be so much more than that. In today's episode, Richard and Jon discuss both the big picture, and how you can set yourself up for financial success. Learn more: New Century Financial Group Website Call Richard: 609-924-2049 x126…
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Expectations are crucial to any relationship, whether it's making them, meeting them, or exceeding them. This is true for your financial adviser, your accountant, and even you as the customer. Communication is key to setting reasonable expectations in any relationship. In our first episode, Richard Oring explains what to expect from your accountant…
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After 45 chapters of non-music related information from our extensive biography of Subtle Sam, we return to music, much like Subtle Sam himself. Subtle Sam attempted to build upon his career as a film producer and writer. He invested into his new script Happily Ever After, but couldn't secure the fashion icon Linda Applestein in the lead role. Subt…
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In Part 1 of our special profile on country actor-turned-singer Subtle Sam, we take a glance at his first release "Hey, How Are You?" from the film Leisurely Rider. In doing so, Obscure Music History explores how the film was a completely fictionalised depiction of the actual definitely-non-sexual completely-platonic just-friends i-love-you-like-a-…
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Tom has a candid interview with music historian (and regular guest) George Greggenmeyer, looking at several unorthodox holiday songs whose other work we'll be hearing from over the next few episodes. That includes vocal group The Pink Smudges, lovebird duo Mary L & James R, country hero Subtle Sam, and the spectacular Josh Cameline. || All songs ar…
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Electronic dance troupe Jâgèñflürg were at the forefront of musical innovation; one of the pioneer groups of the electro genre. Their album Leben is considered way ahead of its time, on account of none of the technology existing before its release date. Simply astounding. We log on to Jâgèñflürg's mainframe and ask them about Life (or "Leben"). Dur…
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In this special episode broadcast, we delve into the International Sound & Radio Archives and uncover a long forgotten radio program which also happens to be named "Obscure Music History". The episode explores crooner Lenny Ziff's classic jazz standard 'Is It Your Love I'm Buying?' from the 1920s! || To follow Tom Hogan's new podcast mini-series, M…
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This week we invite back Sandy Kloystrüm from The Actives to talk about the song It Sucks To Be Peter Best, because we just really wanted to see them again. || Obscure Music History is a podcast investigating historic rarities and B-sides of unpopular music. And it's a comedy! Produced by Tom Hogan. "It Sucks To Be Peter Best", and all music from O…
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Looking at music from all angles is our specialty here, and this time we talk to Marc Cook - the producer of Monster Bait's pop punk extravaganza, The Fart Earthquake. What makes a producer tick? || This week special guests: Georgia Kirby, Brendan Kennedy, Liz Hayton, Erin Greenway! || Obscure Music History is a podcast investigating historic rarit…
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Enigmatic singer-songwriter Joshua Phoenix doesn't only give insight into his process, but also some advice for all young songwriters everywhere. We investigate his natural power over an audience with the live recording of his pop-acoustic ballad, "Then You Called My Name". || Obscure Music History is a podcast investigating historic rarities and B…
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