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How Money Works

Welcome to the How Money Works Podcast with husband and wife team Craig Moser, CFP and Jennifer Moser of Maestro Wealth Advisors. This show will cover all the essential financial and retirement planning elements you need to know to make it to, and through, retirement.

Join us each episode for valuable information on how to avoid some of the common financial pitfalls that others make.

Craig and Jennifer have more than 30 years of experience helping people to retire successfully in the Triad area of North Carolina. Their offices are in Winston-Salem & Greensboro.

If you need any help with your financial or retirement plan, give them a call at 336-448-1086 or visit the website,

Apr 9, 2020

We understand how difficult this time can be for individuals and small business owners. The uncertainty of the coronavirus and what the ultimate impact on the economy will be has put a huge financial burden on everyone.

The government has responded with the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which is a record-setting stimulus package aimed to provide help to everyone. We’ve heard quite a bit about the payments being sent out to individuals, but we want to focus on the impact this will have on small businesses.

So we’ll discuss two of the main provisions that owners should be considering. The first are emergency economic disaster loans and the second is the payroll protection plan. Beyond what we talk about on the show, we’ll also provide you with a six-page document listing all of the important details of the CARES Act. All you need to do to receive it is text CARES to 50597.

Following that conversation, we’re going to take a bit of a lighter approach to a phrase we’re hearing over and over again, and that’s social distancing. What if we took the idea of keeping space and staying separated to maintain our physical health and applied that to investing and planning to protect our financial health.

We’ll pull out four different examples of things your should be keeping separated in your plan and help you understand why it’s important to do so.

Thanks for listening to this episode. We’ll be back again next week for another show.


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Today's rundown: 

2:41 – We’re talking about the CARES Act and it’s important for people to pay attention to.

3:44 – Small businesses are classified as fewer than 500 employees but there are some key benefits.

5:27 – This Act does two main things - loans and payroll protection.

6:43 – Business owners are concerned about how to operate in this current environment but you’re not alone. That’s why the CARES Act is important.

8:04 – Fun fact of the week dealing with Corona.

8:20 – Quote of the week

9:10 – Congress has really pulled together to help employers and employees.

10:56 – Social Distancing as it pertains to finance. First up is your emergency fund and stock market fund.

14:02 – Next two are life insurance and your investments.

16:35 - High turnover investment strategies vs after-tax brokerage accounts

19:30 - That last thing to keep separated is our emotions and our investment decisions.