ME and Money Podcast

Episode 50: Feeling Financially Behind

This week’s episode dives into what we hear a lot of… “I feel behind”. In this episode, we discuss a few things about what causes this feeling, where to start if you’re feeling it, and what you can do to get rid of the feeling. We’d love to hear your thoughts about this episode, reach out to us below. Have a question for a future show topic? Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com [matt@planwithharmony.com] or at www.planwithharmony.com [http://www.planwithharmony.com] Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com [elliott@kindnessfp.com] or at www.kindnessfp.com [http://www.kindnessfp.com] You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9 [https://forms.gle/z2qWJpvmnzxqDfCK9] DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice. Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”). However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party. When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment. Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted. Kindness is a registered investment adviser authorized to do business in Wisconsin, California, and Washington, and in other jurisdictions where exempted. Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services. Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance. Podcast Intro Music Credit: Inspiring Optimistic Upbeat Energetic Guitar Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987 Released by: Oleg Mazur https://soundcloud.com/fm_freemusic Music promoted by https://www.chosic.com/free-music/all/

Episode 49: To file a claim, or not to file a claim?

Over the Spring, Madison WI was hit with some pretty heavy storms, causing a ton of hail and wind damage to cars, roofs, and there have been a lot of losses! In this episode, Matt and Elliott discuss their thoughts (not advice) on when insurance could be used, versus when it may make more sense to just pay out of pocket. Also, a cautionary tale of Storm Chasers! We’d love to hear your thoughts about this episode, reach out to us below. Have a question for a future show topic? Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com [matt@planwithharmony.com] or at www.planwithharmony.com [http://www.planwithharmony.com] Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com [elliott@kindnessfp.com] or at www.kindnessfp.com [http://www.kindnessfp.com] You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9 [https://forms.gle/z2qWJpvmnzxqDfCK9] DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice. Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”). However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party. When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment. Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted. Kindness is a registered investment adviser authorized to do business in Wisconsin, California, and Washington, and in other jurisdictions where exempted. Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services. Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance. Podcast Intro Music Credit: Inspiring Optimistic Upbeat Energetic Guitar Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987 Released by: Oleg Mazur https://soundcloud.com/fm_freemusic Music promoted by https://www.chosic.com/free-music/all/

Episode 48 – The Great 529 Plan Debate!

In this episode, Matt and Elliott have a light-hearted debate about whether or not a 529 Plan is really worth the hype it gets. Elliott highlights the tax advantages, the “flexibility”, and how the 529 Plan can be used for excellent generational planning opportunities. Matt on the other hand… isn’t so fond of these accounts. His stance highlights the limitations on 529 Plans, why they are more of a nuanced topic than they may be portrayed as in the “parenting advice” space, and where he thinks some better opportunities may be. We’d love to hear your thoughts about this episode, reach out to us below. Have a question for a future show topic? Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com [matt@planwithharmony.com] or at www.planwithharmony.com [http://www.planwithharmony.com] Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com [elliott@kindnessfp.com] or at www.kindnessfp.com [http://www.kindnessfp.com] You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9 [https://forms.gle/z2qWJpvmnzxqDfCK9] DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice. Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”). However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party. When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment. Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted. Kindness is a registered investment adviser authorized to do business in Wisconsin, California, and Washington, and in other jurisdictions where exempted. Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services. Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance. Podcast Intro Music Credit: Inspiring Optimistic Upbeat Energetic Guitar Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987 Released by: Oleg Mazur https://soundcloud.com/fm_freemusic Music promoted by https://www.chosic.com/free-music/all/

Episode 47 – What To Think About Trump Accounts? (aka 530A Accounts)

A New Year, New Tax Code… simply not enough! Let’s add a new account to the mix! In this episode, Matt and Elliott discuss their takes on the new “Trump” Account. You’ll learn: * What better options may be available? * How to get your $1,000 free money if eligible!? * What to consider about using these accounts? * Where the biggest opportunity could be? * What we’d like to see added in the future? We’d love to hear your thoughts about this episode, reach out to us below. Have a question for a future show topic? Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com [matt@planwithharmony.com] or at www.planwithharmony.com [http://www.planwithharmony.com] Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com [elliott@kindnessfp.com] or at www.kindnessfp.com [http://www.kindnessfp.com] You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9 [https://forms.gle/z2qWJpvmnzxqDfCK9] DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice. Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”). However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party. When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment. Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted. Kindness is a registered investment adviser authorized to do business in Wisconsin, California, and Washington, and in other jurisdictions where exempted. Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services. Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance. Podcast Intro Music Credit: Inspiring Optimistic Upbeat Energetic Guitar Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987 Released by: Oleg Mazur https://soundcloud.com/fm_freemusic Music promoted by https://www.chosic.com/free-music/all/

Episode 46 – Does The Iran War Impact My Investment Decisions?

With a new conflict in the headlines, we’ve heard many people asking if this means we should be thinking about portfolio changes. In this episode, we will cover: * Why rebalancing is important? * What an Investment Policy Statement is, and why you should have one? * What to do if you’re considering changes? * How much change is acceptable in your portfolio? We’d love to hear your thoughts about this episode, reach out to us below. Have a question for a future show topic? Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com [matt@planwithharmony.com] or at www.planwithharmony.com [http://www.planwithharmony.com] Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com [elliott@kindnessfp.com] or at www.kindnessfp.com [http://www.kindnessfp.com] You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9 [https://forms.gle/z2qWJpvmnzxqDfCK9] DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice. Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”). However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party. When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment. Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted. Kindness is a registered investment adviser authorized to do business in Wisconsin, California, and Washington, and in other jurisdictions where exempted. Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services. Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance. Podcast Intro Music Credit: Inspiring Optimistic Upbeat Energetic Guitar Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987 Released by: Oleg Mazur https://soundcloud.com/fm_freemusic Music promoted by https://www.chosic.com/free-music/all/