Risk and Reward: The Art of Investing

AmeriServ Presents: Bank Chats

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Setting yourself up for financial freedom is not often an easy task. Finding a reliable and knowledgeable investment advisor, who keeps your best interests in mind, can help you reach your financial goals. Whether you pay into a 401k, an IRA, or other retirement account, your financial advisor's job is to help make your money work for you. In this episode, Drew chats with Frank Lapinsky, President & CEO of West Chester Capital Advisors, on everything investing.
West Chester Capital Advisors:
https://www.ameriserv.com/wealth/west-chester-capital-advisors/about-us
WEST CHESTER CAPITAL ADVISORS DISCLAIMER
West Chester Capital Advisors, Inc. (“WCCA”) is a registered investment adviser and a wholly owned subsidiary of AmeriServ Financial Bank. Keep in mind that investing in securities involves a risk of loss that you should be prepared to bear. Over time, assets will fluctuate and be worth more or less than the initial invested amount. Depending on the investment type, differing risk levels will exist. WCCA cannot offer any guarantees or promises that a client's financial goals and objectives will be met. WCCA does not provide tax advice. Recommendations on specific investment vehicles are meant to be generic in nature. You should consult your personal financial adviser to discuss the right vehicle for you. There can be no assurance that advisory services will result in any particular result, tax, or legal consequence. WCCA does not charge fees based on a share of capital gains on, or capital appreciation of, the funds of clients, but rather on the total assets under management. This fee increases as your account value increases. See WCCA’s Form ADV disclosures to understand how fees are charged along with other important information about their services.
AmeriServ's Website:
https://www.ameriserv.com/
Credits:
An AmeriServ Financial, Inc. Production
Music by Rattlesnake, Millo, and Andrey Kalitkin
Hosted by Drew Thomas

Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.
DISCLAIMER
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The host, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The host of Bank Chats is not an attorney, accountant, or financial advisor, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated.

Chapters

1. Fast Fact (00:00:00)

2. Intro (00:00:38)

3. Meet Frank Lapinsky (00:00:57)

4. What Does an Investment Company Do? (00:02:49)

5. 401k Tips (00:04:00)

6. Roth vs. Standard (00:07:16)

7. Investing on Your Own (00:11:17)

8. From World Events to the Weather (00:13:22)

9. Diversification (00:14:23)

10. Fee vs. Commission (00:17:11)

11. Inflation (00:19:51)

12. When Should I Invest? (00:24:30)

13. What is Matching? (00:27:10)

14. We are All Living Longer (00:31:06)

15. What is a Fiduciary? (00:34:16)

16. Good Communication is Key (00:40:10)

17. Wrap Up (00:43:43)

18. Disclaimer (00:44:40)

19. Final Thoughts (00:45:37)

20. Credits (00:46:15)

21. WCCA Disclaimer (00:46:56)