{"id":2202,"date":"2019-01-03T10:59:51","date_gmt":"2019-01-03T15:59:51","guid":{"rendered":"https:\/\/www.syracusewomanmag.com\/?p=2202"},"modified":"2018-12-19T11:01:33","modified_gmt":"2018-12-19T16:01:33","slug":"dollars-and-sense-courtney-arria-and-carol-schmeiser-urist-financial","status":"publish","type":"post","link":"https:\/\/www.syracusewomanmag.com\/?p=2202","title":{"rendered":"Dollars and Sense: Courtney Arria and Carol Schmeiser, Urist Financial"},"content":{"rendered":"

Tell us about your business. What services do you provide?<\/strong><\/p>\n

We are LPL Financial Advisors at Urist Financial and Retirement Planning, Inc. in East Syracuse. We not only help our clients pursue their personal and financial goals, we also support them thru all stages of life (new job, retirement, death of a spouse, etc.). Finances are connected to so many aspects of life, so we are very invested in our clients. We take a holistic approach to financial planning, looking at all aspects of a client\u2019s life (past, present and future).<\/p>\n

 <\/p>\n

What should people be thinking about in terms of their finances with the start of the New Year?<\/strong><\/p>\n

Set small, attainable goals, such as creating and\/or reviewing your spending plan. See where you can cut or decrease expenses to increase savings into an emergency fund and\/or a retirement account. Once you have reached your goals, build upon that.<\/p>\n

 <\/p>\n

How can people set themselves up for a healthy financial future?<\/strong><\/p>\n

A healthy financial future starts by living consistently within your take-home income. This includes reducing or eliminating the use of credit cards and not carrying a balance.<\/p>\n

 <\/p>\n

If you\u2019re not in a healthy financial position, how can you improve your financial welfare?<\/strong><\/p>\n

Simple (yet often challenging) ways to improve your situation are to reduce your \u201cextras,\u201d such as dining out and your daily cup of Joe. If you don\u2019t keep track of these extras, they can add up quickly before you know it.<\/p>\n

 <\/p>\n

What are some of the biggest mistakes people make with their finances?<\/strong><\/p>\n

They spend beyond their means, don\u2019t have an emergency fund (three to six months of living expenses), delay saving for retirement and are unwilling to get real about their finances\/spending habits. People can be very reluctant to talk about their finances. Oftentimes finances are totally ignored or left to be handled by the other partner\/spouse. We encourage everyone to be knowledgeable of their own financial situation.<\/p>\n

 <\/p>\n

Is there anything women specifically should be doing for their financial well-being?<\/strong><\/p>\n

Women need to establish their own credit, have their own savings and retirement account and have enough insurance coverage (especially if they have a family). It is important to have a financial review annually, just like you have an annual medical check-up \u2014 make it a priority.<\/p>\n

 <\/p>\n

Is there anything else people should know?<\/strong><\/p>\n

There is a misconception when it comes to saving for retirement \u2014 you don\u2019t save to just get you to your retirement date, you save to get you through the rest of your life. Finances are not something that should be feared.<\/p>\n

 <\/p>\n

How can people contact you with questions or to take advantage of your services?<\/strong><\/p>\n

We have two ways to contact us.\u00a0 You can give our office a call at (315) 445-2147 or email us thru our website at uristfinancial.com.<\/p>\n

 <\/p>\n

The authors of this article, Courtney Arria, CFP\u00ae and Carol Schmeiser, ChFC\u00ae, are<\/em>both LPL Financial Advisors at Urist Financial and Retirement Planning, Inc., located in East Syracuse, New York.\u00a0 Courtney Arria is a CERTIFIED FINANCIAL PLANNER\u2122 practitioner and Registered Representative with LPL Financial.\u00a0Carol Schmeiser is a Chartered Financial Consultant\u00ae and Registered Representative with LPL Financial. Both are dedicated to building personal connections with clients, which leads to a clear understanding of their financial needs and how she can help them to pursue their financial goals. They strive to simplify clients\u2019 finances in order to educate and empower. Courtney and Carol can be reached at (315) 445-2147.\u00a0 Company information can be found at www.uristfinancial.com.<\/em><\/p>\n

\u00a0<\/em><\/p>\n

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.<\/em><\/p>\n

 <\/p>\n

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA\/SIPC.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Tell us about your business. What services do you provide? We are LPL Financial Advisors at Urist Financial and Retirement Planning, Inc. in East Syracuse. We not only help our clients pursue their personal and financial goals, we also support them thru all stages of life (new job, retirement, death of a spouse, etc.). Finances…<\/p>\n","protected":false},"author":4,"featured_media":2203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[99,101],"tags":[735],"class_list":["post-2202","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-features","tag-urist-financial"],"gutentor_comment":0,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/12\/Courtney-Arria-Carol-Schmeiser-0002.jpg?fit=5200%2C3470&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":1746,"url":"https:\/\/www.syracusewomanmag.com\/?p=1746","url_meta":{"origin":2202,"position":0},"title":"Creating Your Personal Plan","author":"Staff","date":"April 30, 2018","format":false,"excerpt":"So You Want to Start a Business By Colette Powers\u00a0 So many of us want to pursue the American dream of owning our own businesses. It\u2019s the challenge of creating something, controlling your own destiny, potentially unlimited success, following in a parent or family footsteps or, of course, the flexibility\u2026","rel":"","context":"In "Features"","block_context":{"text":"Features","link":"https:\/\/www.syracusewomanmag.com\/?cat=101"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":1835,"url":"https:\/\/www.syracusewomanmag.com\/?p=1835","url_meta":{"origin":2202,"position":1},"title":"Understanding Investment","author":"Staff","date":"May 31, 2018","format":false,"excerpt":"Making Sound Financial Decisions By Mary Ann Pierce\u00a0 I recently met with a group to talk about investment basics. This group was a mix of people of all ages, from different backgrounds and varying professions. Every single person appeared to be confident and competent. We had a lively discussion. Relevant\u2026","rel":"","context":"In "Features"","block_context":{"text":"Features","link":"https:\/\/www.syracusewomanmag.com\/?cat=101"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/01\/syracuse-women-magazine-logo-jan-17-1-e1485623317278.jpg?fit=889%2C400&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":3281,"url":"https:\/\/www.syracusewomanmag.com\/?p=3281","url_meta":{"origin":2202,"position":2},"title":"Finance: Estate planning brings peace of mind","author":"Alyssa Dearborn","date":"September 15, 2022","format":false,"excerpt":"By Paula Highers You may find more glamorous healthy senior living tips in this month\u2019s magazine, but few, if any, are as important and beneficial to your current and future health as estate planning! In truth, there\u2019s no perfect age to begin estate planning. It\u2019s important for everyone; 21 year-old\u2026","rel":"","context":"In "Finance"","block_context":{"text":"Finance","link":"https:\/\/www.syracusewomanmag.com\/?cat=1237"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2022\/09\/ORe33ygA.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2022\/09\/ORe33ygA.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2022\/09\/ORe33ygA.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2022\/09\/ORe33ygA.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2022\/09\/ORe33ygA.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2163,"url":"https:\/\/www.syracusewomanmag.com\/?p=2163","url_meta":{"origin":2202,"position":3},"title":"For A Good Cause: Reinvest CNY! Katelyn Kriesel, Reinvestment Alliance","author":"Staff","date":"December 2, 2018","format":false,"excerpt":"Tell us a little about yourself and why you became a financial advisor. I work with Hansen\u2019s Advisory Services, in Fayetteville. I have a passion for all things sustainability. I became a financial advisor to help people. I chose to focus on Socially Responsible Investing (SRI) because it allows my\u2026","rel":"","context":"In "Causes"","block_context":{"text":"Causes","link":"https:\/\/www.syracusewomanmag.com\/?cat=104"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Katelyn-headshot.jpg?fit=674%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Katelyn-headshot.jpg?fit=674%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Katelyn-headshot.jpg?fit=674%2C1200&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":647,"url":"https:\/\/www.syracusewomanmag.com\/?p=647","url_meta":{"origin":2202,"position":4},"title":"Me\u2019Shae Brooks-Rolling","author":"Staff","date":"March 30, 2017","format":false,"excerpt":"The Difference Between Dreaming and Doing By Samantha Mendoza |\u00a0Photography by Delores Holloway Me\u2019Shae Brooks-Rolling considers herself, above all else, a \u201chybrid professional.\u201d She\u2019s accustomed to wearing many different hats, and wearing each one with commitment and compassion. In fact, it\u2019s this balancing act that brings her the most joy\u2026","rel":"","context":"In "Featured"","block_context":{"text":"Featured","link":"https:\/\/www.syracusewomanmag.com\/?cat=99"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/03\/Z_Inspire1_Online-1.jpg?fit=1200%2C792&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/03\/Z_Inspire1_Online-1.jpg?fit=1200%2C792&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/03\/Z_Inspire1_Online-1.jpg?fit=1200%2C792&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/03\/Z_Inspire1_Online-1.jpg?fit=1200%2C792&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2017\/03\/Z_Inspire1_Online-1.jpg?fit=1200%2C792&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2136,"url":"https:\/\/www.syracusewomanmag.com\/?p=2136","url_meta":{"origin":2202,"position":5},"title":"Jennifer Shorr","author":"Staff","date":"November 7, 2018","format":false,"excerpt":"Kindness and Business\u00a0 Photography by Alice G. Patterson\u00a0 No matter what sector you work in, you can be part of philanthropy. In honor of this month\u2019s theme, we asked local business owner Jennifer Shorr, owner of That Insurance Girl, to chat with us about what she does to help Medicare\u2026","rel":"","context":"In "Features"","block_context":{"text":"Features","link":"https:\/\/www.syracusewomanmag.com\/?cat=101"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Jennifer-Shorr-0038.jpg?fit=1200%2C801&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Jennifer-Shorr-0038.jpg?fit=1200%2C801&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Jennifer-Shorr-0038.jpg?fit=1200%2C801&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Jennifer-Shorr-0038.jpg?fit=1200%2C801&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.syracusewomanmag.com\/wp-content\/uploads\/2018\/11\/Jennifer-Shorr-0038.jpg?fit=1200%2C801&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/posts\/2202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2202"}],"version-history":[{"count":1,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/posts\/2202\/revisions"}],"predecessor-version":[{"id":2204,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/posts\/2202\/revisions\/2204"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=\/wp\/v2\/media\/2203"}],"wp:attachment":[{"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.syracusewomanmag.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}