Wise Financial Coaching w/Eddie and Kelsey Abrams

11/02/2026

Sean (Total BS LLC, IT Consulting) is asking business owners how many AI subscriptions they’re paying for versus how many they actually use each week. Comment with your numbers to help boost the post. He’s sharing which tools are worth keeping in the replies.

Unpopular opinion: most small businesses don’t need more AI tools, they need to stop paying for the ones they don’t use. I’ve seen owners stack ChatGPT, Copilot, and three “AI-powered” apps that all do the same thing. So, honest question: how many AI subscriptions is your business paying for right now, and how many do you actually open every week? Drop your numbers in the comments. I’ll share the ones I see earning their keep for small businesses in the replies.

11/02/2026

Don’t wait to find out you didn’t have the correct coverage in place. Contact Rebecca and schedule a free review.

BUSINESS OWNERS: DON’T JUST RENEW YOUR INSURANCE BECAUSE IT RENEWED LAST YEAR!

Your business changes, and your insurance should keep up with it.

Before your next renewal, here are 5 things to review:

Payroll: Have you hired employees or had changes in payroll?

Sales & Revenue: Has your business grown or changed?

Subcontractors: Are you using more subcontractors or taking on different projects?

Equipment & Tools: Have you purchased new equipment, tools, or vehicles?

Changes to Your Operations: Have you added services, locations, or expanded your business?

These changes can affect your coverage needs, premiums, and even how your policy responds to a claim.

Your renewal is the perfect opportunity to make sure your coverage still fits your business!

Not sure if your current policy is keeping up? Let’s review it together and make sure you have the right coverage in place.

10/26/2026

Whether you're envisioning retirement in the near future or it's still a few years down the road, ensuring you're on the right track is essential. Many people make common mistakes that can impact their financial security later in life. The good news is, with the right information and guidance, you can learn how to avoid these pitfalls and build a retirement plan that truly works for you.

At Wise Financial Coaching, we specialize in helping individuals and families in Rochester, NY, navigate the complexities of retirement planning. We believe that a well-informed approach, combined with personalized strategies, can make all the difference. My goal is to empower you with simple yet powerful information, so you can make confident decisions about your future. We'll help you understand your options, identify potential challenges, and create a roadmap to a comfortable and secure retirement.

Don't leave your retirement to chance. Take control of your financial future today. Send me a message to schedule a conversation about your retirement goals and how we can help you avoid common mistakes.

10/26/2026

Ever wonder where your money goes each month? You're not alone! Many people feel like their hard-earned cash just disappears. The good news is, with a simple weekly tracker, you can uncover those hidden expenses and find money you didn't even know you had. This isn't about cutting out everything you enjoy, but about gaining clarity and control over your finances.

At Wise Financial Coaching, we help individuals and families in Rochester, NY, understand their spending habits and create budgets that work for them. We believe that financial coaching should be straightforward and empowering, not overwhelming. By identifying where your money is truly going, you can make informed decisions that align with your financial goals, whether that's saving for a down payment, planning for retirement, or simply building a stronger financial foundation.

Ready to discover where your money is hiding? Click the link in my bio, and I'll send you the exact worksheet I use to help my clients track their spending and find hidden money in their budget. Let's work together to bring clarity to your finances!

moneyhowto.com/us/~GRW7F/FindYourMoneyTracker?lang=en

10/18/2026

If your business insurance just sent you one of those cyber questionnaires, this is the guy to call. Sean at Total BS handles the setup and fills it out with you. Rochester area.

If your business insurance renewal came with a cyber questionnaire this fall, you’re not alone. Most Rochester business owners I talk to open it, see “multi-factor authentication,” “endpoint protection,” and “tested backups,” and put it back in the pile.

Here’s the thing: those aren’t hard. They’re just not your job. I set all three up for small businesses in Monroe County in about a week, for a flat monthly fee, and I’ll fill out the questionnaire with you so your agent gets honest answers and you get the better rate.

Contractors, law and accounting offices, restaurants, anyone with five to forty people and no IT person. Send me a message and tell me when your renewal is due. I’ll tell you exactly what you need and what you don’t.

10/18/2026

Not sure when you should look into Commercial Insurance for your business? Reach out to Rebecca to learn more on what coverages are right for you.

Think you don’t need commercial insurance because you haven’t formed an LLC yet? Think again!

One of the biggest misconceptions I hear from new business owners is, “I’m not an LLC, so I don’t need business insurance yet.”

The truth is, your business structure and your insurance needs are two different things.

Whether you’re a sole proprietor, partnership, or LLC, you can still have exposures that your personal insurance may not cover.

For example, if you:
- Run a business out of your home
- Work as a contractor or service provider
- Have business equipment or tools
- Meet clients at their homes or businesses
- Could be held responsible for property damage or someone getting injured
- Provide products or services to customers

You may need commercial coverage before you ever form an LLC.

And here’s the important part: forming an LLC doesn’t automatically mean you’re protected from every business-related loss. Your legal structure and your insurance policy work together to protect your business in different ways.

Starting a business? Don’t wait until something goes wrong to find out what your personal policy doesn’t cover.

If you’re not sure what coverage you need or even whether you need commercial insurance yet. I’d be happy to help you figure it out.

Starting a business? Let’s talk about protecting what you’re building.

10/18/2026

Thinking about selling? Contact Tyrone to find out what you could potentially net from the sale of your home.

Even tho rates are up slightly, Rochester is still seeing 2.4x the viewers per listing and averaging less days on market when compared to the national average (Realtor.com). If you’d like to discuss where your home is valued and what you could net by selling give me a call or message me! 🏡🔑

10/16/2026

Anyone here know a Estate Planning Attorney? We’re looking to add that seat to our Rochester referral group. We zoom Mon @ 7pm

10/15/2026

Anyone here know a Business Attorney? We’re looking to add that seat to our Rochester referral group. We zoom Mon @ 7pm