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Indhold leveret af Sean Kosednar and Associated Wholesale Grocers. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Sean Kosednar and Associated Wholesale Grocers eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
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What Should I Do With My Money?


1 Can We Afford a Wedding, a Home and IVF? 26:12
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As a newly engaged couple, Jules and Shay have a lot to look forward to: a destination wedding, starting fertility treatments and the potential of buying a home. But their goals have a short horizon, are they able to save enough to accomplish three large milestones within a five-year period? In this episode, Jules and Shay sit down with Carolina, a Morgan Stanley Financial Advisor to discuss short- and long-term savings strategies, utilizing company benefits and how their families can help them save for a down payment . For more information about this episode and the topics covered, check out our episode page and explore how you can connect with a Morgan Stanley Financial Advisor . Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley Smith Barney LLC or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, a Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Important Risk Information for Securities Based Lending : Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC, its affiliates and their employees are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4766848 (09/2025)…
AWG Teammates Share Takeaways from Groceryshop Conference
Manage episode 450032858 series 1462786
Indhold leveret af Sean Kosednar and Associated Wholesale Grocers. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Sean Kosednar and Associated Wholesale Grocers eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
On this week's Grocer Pod, several AWG teammates talk to host Sean Kosednar about what they learned, as well as the benefits of attending the Groceryshop 2024 conference.
117 episoder
Manage episode 450032858 series 1462786
Indhold leveret af Sean Kosednar and Associated Wholesale Grocers. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af Sean Kosednar and Associated Wholesale Grocers eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
On this week's Grocer Pod, several AWG teammates talk to host Sean Kosednar about what they learned, as well as the benefits of attending the Groceryshop 2024 conference.
117 episoder
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1 Get Ready for the Holiday Season with New AWG Brands Items 11:48
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Q4 2025 is fast approaching. That means AWG Brands Product Manager Tyler Olinger joined Sean Kosednar on this week's Grocer Pod to discuss the success of some previously launched items and introduce the additions to the AWG Brands lineup.

1 Empower Your Team with AWG University—Training That Drives Results 28:13
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In this episode of Grocer Pod, Ana Velazquez—Vice President at the Retail Learning Institute and IGA Coca-Cola Institute—returns to share how AWG University can help retailers cut costs and boost performance through effective staff training. Ana and host Sean Kosednar dive into the wide range of learning resources available, from onboarding to advanced retail strategies. If you're ready to elevate your team's skills and efficiency, reach out to Ana to get started with AWG University.…
Recent changes allow states to apply for SNAP waivers modifying, state-by-state, what products will be SNAP eligible. AWG Chief Legal Officer and General Counsel Stephanie Becker is in the studio breaking down what this mean for AWG member retailers. Get the latest update of SNAP waivers for you state HERE .…
On this week's episode, we share a Learning Lounge presentation from AWG Innovation Showcase 2025. BRdata President John Abbene presents the ways AWG members can harness the power of AI to help their business.

1 Let ShoptoCook Help With Your Digital Media 17:45
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Digital media is crucial to AWG member retailers. Sean Kosednar sat down with ShoptoCook President and CEO John Thompson at the AWG Innovation Showcase in March. Thompson explained how AWG members can use digital media to not only get new customers but maintain their existing customers as well.

1 Boost Sales with AWG Brands’ Ready-to-Use Marketing Success Kits 7:15
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AWG Brands Senior Marketing Specialist Rachel Frierdich joins Sean Kosednar in the studio to spotlight the power of AWG Brands’ Marketing Success Kits. Each month, the AWG Brands team curates a fully themed, plug-and-play marketing plan designed to help AWG member retailers drive sales of private brand products. These kits make it easy to showcase the value and benefits of AWG Brands to customers—saving time while delivering results.…

1 Reduce Shrink, Increase Basket Size with ProfitTrax 13:09
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Sean Kosednar sat down with Founder and CEO of ProfitTrax Larry Miller at Innovation Showcase 2025 in March and learned all about how AWG members can harness the power of centralized data to improve their business.

1 Don't Miss These New Item Launches From AWG Brands 9:29
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On this week’s episode of Grocer Pod, we’re diving into another exciting quarterly product launch from AWG Brands. Every quarter, the team rolls out a fresh wave of new products—carefully designed to help AWG member retailers stay competitive, meet shifting shopper needs, and keep shelves stocked with high-quality, value-driven items. AWG Brands Product Manager Tyler Olinger is back in the studio with Sean Kosednar to discuss the success of new AWG Brands items and introduce the latest items launched in July.…

1 Outfit Your Employees and Your Stores with AWG Grocer's Kart 3:33
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Big changes are coming to AWG Grocer's Kart. AWG intern Miller Brown joins Sean Kosednar in the studio on this week's Grocer Pod to talk about these exciting enhancements. Learn why Grocer's Kart is your one-stop shop for textiles and signage.

1 Give Your Loyalty Program a Boost with GiveX 14:15
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GiveX’s loyalty program can help AWG member retailers retain customers, increase basket size, and, most importantly, drive extra trips. Sean Kosednar sat down with GiveX's VP of Community Rewards Andy Ruff at the Innovation Showcase to hear all about it.

1 Say "Hello" to AWG Brands' New Baby Line 5:48
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Hello World by Best Choice is the new baby line from AWG Brands. Vice President of AWG Brands Emily Detwiler is in the studio with Sean Kosednar to discuss the new product line.

1 Integrate Your Data with North Country Business Solutions 7:46
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Sean Kosednar sat down with Matt Swanson from North Country Business Solutions at the AWG Innovation Showcase. The two talked about how North Country can help AWG members better integrate their data.

1 Empower Your Fresh Department with AI 18:29
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This week Sean Kosednar is joined in the studio by Robert Austin and Jesse Himango from Empower Fresh. The three discuss how AWG member retailers can harness the power of AI in their fresh departments.

1 Don't Miss These New Products from AWG Brands 9:44
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On this week's Grocer Pod, AWG Brands Product Manager Tyler Olinger is in the studio with Sean Kosednar to discuss the new AWG Brands items launching in Q2.

1 AWG Brands Unleashes a New Breed in Pet Care, Pure Wonder by Best Choice 5:41
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Celebrate National Pet Month by learning about Pure Wonder by Best Choice. Vice President of AWG Brands Emily Detwiler joins Sean Kosednar in the studio on this week's Grocer Pod to talk all about the new pet focused brand.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

This week we have Sean Kosednar's conversation with Ideal's Adam Zimmerman. The two sat down at Innovation Showcase to talk about the company's rebrand as well as how AWG member retailers can harness the power of digital circulars.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 ECRS—Not Only POS Technology, But Whole Store Solutions 11:58
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Sean Kosednar talks with Caroline Catoe and Brittany Benton from ECRS during AWG Innovation Showcase 2025.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 How to Participate in Viral Food Trends in Your Store 12:49
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AWG Marketing Services Specialist Maggie Wilson and Sean Kosednar discuss some of the latest food trends sweeping social media on this week's Grocer Pod. They also talk about ways you can take advantage of these trends in your store.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 How to Increase the Potential Buyer Pool for Your Store 14:50
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This week is the first installment of conversations recorded at AWG Innovation Showcase 2025. Carey Berger from Crossroads is back on Grocer Pod to lead things off. Sean Kosednar talks with him about what AWG member retailers can do to increase the pool of potential buyers when it comes time for them to sell their stores.…
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 REPLAY: Anticipatory Grocery - Accelerating Innovation and Growth with Daniel Burrus 27:52
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We are all excited for AWG Innovation Showcase 2025. To get ready, here is a look back to last year's keynote speaker, Daniel Burrus.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

On this week's Grocer Pod, AWG Brands Product Manager Tyler Olinger is in the studio with Sean Kosednar to discuss the Q1 new items and what is still to come from AWG Brands this year.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 Learn More About AWG's New Cross-Dock Program with KeHE 9:49
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AWG members will soon be able to take advantage of a new cross-dock program with KeHE. Group Vice President of Center Store Merchandising & Sales Scott Evans joins Sean Kosednar in the studio this week to explain the new program and how it will help AWG member retailers.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

Sean Kosednar took his microphone around the HGS Spring Show in early February to give everyone who wasn't in attendance a feel for what the show had to offer.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 Protect Your Store and Your Customers From Credit Card Skimmers 14:12
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Credit card skimming has come to grocery stores and Jeff Klaus from Retail Data Systems is here to share how it's happening and how to prevent it. On this week's Grocer Pod, Jeff explains to Sean Kosednar how AWG member retailers can protect their stores and their customers from these devices.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 Dan Funk Recaps 2024 and Looks Ahead to 2025 18:58
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AWG President and CEO Dan Funk joins Sean Kosednar on this week's Grocer Pod. They discuss Dan's first year as President and CEO. Dan also lays out what AWG members can expect in 2025.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

AWG Brands has big plans for 2025 and AWG Brands Product Manager Tyler Olinger is in the studio to tell host Sean Kosednar all about them.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 AWG Brands Brings Home the Gold...en Penguin 6:25
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AWG Brands has been stacking up the awards as of late. Cara Finger, AWG Brands Marketing Manager, is back in the studio to tell everyone about which brands and products won.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 Help Your Customers Save Money with AWG Brands Digital Coupons 6:03
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Cara Finger, AWG Brands Marketing Manager, is in the studio with Sean Kosednar talking about AWG Brands digital coupons on this week's Grocer Pod.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 Access Public Funding with AWG's Store Engineering Department 17:57
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Executive Director of Design and Construction Joel Riggs joins Sean Kosednar in the studio this week to tell AWG member retailers how Store Engineering can help them access public funds to pay for new store builds or even remodels.
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Grocer Pod - Presented by AWG - Grocery, Marketing and more

1 AWG Teammates Share Takeaways from Groceryshop Conference 9:24
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On this week's Grocer Pod, several AWG teammates talk to host Sean Kosednar about what they learned, as well as the benefits of attending the Groceryshop 2024 conference.
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