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April 18, 2025 43 mins

On The Mark with Howard Mark Rubin, Episode 10

In this episode of On The Mark, Howard Mark Rubin speaks with Clifford Michaels, President of Institutional Investment Advisors Corp. Clifford is also a Certified Financial Planner (CFP) and an Investment Advisor Representative.

Tune in to the episode to hear about:

 * Strategies for managing and growing money in a volatile financial world, with a focus on risk tolerance and investment time horizons.

 * Various investment options, including stocks, bonds, alternative investments like master limited partnerships and preferred stock

 * The importance of dollar cost averaging to navigate market fluctuations

 * The importance of starting to save early, using the power of compound interest, and the benefits of Roth IRAs and 529 college saving plans for young investors

 * The potential impacts of government policies, including tariffs and inflation management, on the financial markets, and Michaels’ use of sector rotation to safeguard investments

 * Essential financial planning steps such as having a will, disability insurance, life insurance, and umbrella insurance to protect assets and ensure financial stability for families

Learn more about Clifford Michaels:

 * View Clifford’s bio on Institutional Investment Advisors Corp’s website: https://www.conservativeadvice.com/team-member-01/clifford-michaels

 * Connect with Clifford on LinkedIn: https://www.linkedin.com/in/retirementspecialistnyc

 * Email Clifford: cliffordmichaels@conservativeadvice.com

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On The Mark with Howard Mark Rubin:

This podcast series addresses our rapidly changing world and how it is affecting industries and people in unique and interesting ways. As John F. Kennedy once said, change is the law of life, and those who look only to the past or present are certain to miss the future.

The business leaders and personalities who are interviewed in these podcasts all look to the future. We hope our listeners and viewers come away with information and inspiration that help them adapt in both their business and personal lives. 

Watch more episodes of On The Mark:

 * YouTube: https://www.youtube.com/@goetzplatzer

 * Website: https://goetzplatzer.com

 * SoundCloud: https://on.soundcloud.com/6tkWs6vb8kHev7um6

Connect and learn more from your host, Howard Mark Rubin:

 * Connect with Howard on LinkedIn: https://www.linkedin.com/in/howardrubingf

 * Call: 212-695-7753

 * Email: hrubin@goetzplatzer.com

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