Fresh Finance: Recent Episodes
Thomas Elms / Kyle Ryan
The Fresh Finance Podcast is all about taking a new look at how Investing and Financial Planning gets accomplished in an age of technology, instant information, and a market that’s evolving faster than ever. Co-Hosts Thomas Elms CFP and Kyle Ryan CFP are two of the youngest advisors to ever attain the Certified Financial Planner designation and they are ready to help make the complicated world of Finance fun and educational through this podcast.
In this week’s episode, Thomas and Kyle touch on some ideas and strategies to consider before the end of the year.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle explain what makes up your credit score. Specifically, we break down each factor that makes up your score and what impact it has. We then discuss the impacts that your credit score can have on your financial life and some tips on how to build up your score.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Michael Raymond, founder of Raymond Representation, a sports agency firm that specializes in NIL and Talent Management.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately.
This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss different things to consider when investing in a high interest rate environment.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss various tax strategies for business owners. Some topics including: determining your corporate structure, how much to pay yourself vs. take in profit, employee benefits and retirement plans, etc.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the importance of aligning your values with your money.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section.
Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the pros and cons of renting vs buying a home. Many wish to fulfill the American Dream of owning a home, but are they overlooking some 'hidden' costs? Should you look at your primary residence simply as a place to live, or is it another investment? There are many factors that tie into why the decision to buy a home relies solely in your unique goals and circumstances.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section.
Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the basics of life and disability insurance. We touch upon how to determine if one has life insurance needs, how much those needs are, and different insurance policies that can accomplish their goals. Similar with disability insurance, and we dive in deeper on how disability insurance can impact business owners.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the basics of retirement plans. This includes Traditional IRAs, Roth IRAs, 401(k)s, and much more. We dive into how each of these plans work and when you can take advantage of each retirement vehicle.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the elephant that has been in the room for the last year and a half - inflation. Inflation has reared it's ugly head on the global economy after the onset of the pandemic, and it has remained persistent. We discuss just how 'sticky' inflation is and how it impacts you financially.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Jaylin James, an influencer with over 3 million followers across various social media platforms. We discuss how Jaylin handled the sudden increase in wealth and fame, and how he planned accordingly to preserve his financial future. Many people wish to gain notoriety and fame, but lose themselves in this search. Jaylin opens up about the path that led to his success, and what has kept him grounded along the way.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Zach Wolkstein, an associate broker with the Balaban Group, LLC. In this episode, we discuss the nuances of estate planning and risk management (insurance) for high net worth and high profile individuals, such as celebrities and entrepreneurs. To reach Zach, you can contact him at (973) 494-3840 or Zach@Balaban.com
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle celebrate 30 episodes of the Fresh Finance podcast! We reflect on how the podcast has grown and changed from when we started it, as well as how we have personally grown from creating the podcast.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the importance of building your financial team early. These are the people you will go to when you are in a pinch, so it is essential to form trust with them prior to when it is needed. We discuss who the members of the team are and why they are each important.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Sean Robinson, a Property and Casualty Insurance Specialist to discuss the ins and outs of auto, home, and umbrella liability coverages.
This episode emphasizes the importance for people to review their insurance policies whenever they experience a significant life change. To reach Sean, you can contact him at (913) 669-9296 or Sean@BrushCreekSelect.com
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle talk about the power of paying yourself first. Many people struggle with managing their expenses, and seldom keep a consistent budget. We dive into the pitfalls of a traditional budget and explain what reverse budgeting is and how it may better align someone's expenses with their short and long term goals.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section.
Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss many of the nuances associated with receiving employer stock options. These can come in a variety of forms, such as ESPPs, ISOs, NSOs, RSUs, etc. We break down each of these different types of stock options and how you as an investor may take full advantage of these benefits.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section.
Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Salvatore Bello III, an attorney with a focus on estate planning located in King of Prussia, PA, right outside of Philadelphia. In this episode, we discuss why we believe it is important for everyone to have a will. We also dive into the value of trusts and how they can work for you. The biggest misconception with estate planning is that it is reserved only for the wealthy, but, as we discuss in this episode, there are many ways in which everyone can benefit from some form of estate planning. To reach Sal, you can contact him at Sbello3@pmrbm.com or (610) 992-1300.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section.
Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle touch on the recent shock that overtook the banking system globally and the fallout the occurred. We also touch on everything that happened in the investing world in the first quarter and what we believe investors should keep an eye on moving forward into 2023.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section.
Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Cayden McLaughlin, an Enrolled Agent located in the Clearwater, Florida area whom helps individuals with tax preparation and filing. In this episode, we discuss common mistakes made on taxes and how to avoid them. To reach Cayden, you can contact him at Cayden@mytampataxpro.com or (727) 408-0304.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss how young parents can help save their kids future (financially). From topics such as understanding credit scores, building valuable habits, learning to set and work toward goals, etc. this episode covers what we believe everyone should know when trying to successfully position your child for financial success.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle are joined by Mike Harvey, a mortgage broker located in the Greater Philadelphia area whom helps individuals with obtaining financing for mortgages, refinancing, etc. In this episode, we discuss things to look out for when buying home and different programs that could save you thousands.
To reach Mike, you can contact him at Mike@VPMortgage.com or (484-919-8976).
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the most important component of risk for many investors - time. Understanding the difference between one's risk tolerance and risk capacity can broadly change one's perception of long-term investing, especially during downswings. As our time horizon for requiring liquidity from investments decreases, so should the amount of portfolio risk.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle talk about what many people are interested in - early retirement! While this is an increasingly popular idea, there are many nuances and complexities when it comes to planning for an early retirement. Working can be seen as a means to an end when it comes to planning for retirement, but what are the best steps for YOUR specific circumstances. What are some pitfalls to watch out for? These topics and many more are discussed in this weeks video.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle take on the topic of passive income and what it takes to create a passive income stream that you can rely on in the future. Active planning and goal setting are crucial elements for creating passive income.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss how important having diversification is in your life. Diversification in your investments, income, assets, or anything else can help reduce risk in your financial life and provide a more steady income stream to rely on in the future.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC.
For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In episode 17 of the Fresh Finance Podcast, Thomas and Kyle discuss four financial skills that they believe are crucial for anyone to master. The sooner one can master these skills, the sooner their pathway to financial independence can begin.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately.
This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC.
For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss how impactful early financial planning can be. People don't plan to fail, but some fail to plan. This episode details easy ways for people to begin the process of financial planning.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle cover different ways that people can get ahead of their taxes. No one likes owing taxes, and when you're filing your taxes it's too late to change anything. Therefore, prompt and thorough tax planning will help people retain more money in their pockets, rather than the governments.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the recent tax law changes that came with the passing of SECURE 2.0. The SECURE Act (Setting Every Community Up for Retirement Enhancement) greatly expands credits for employers to open retirement accounts, allows for availability for investors to contribute to Roth accounts, and much more.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately.
This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle reflect on how the markets performed in 2022. Headline issues, such as inflation, rising interest rates, the Russia-Ukraine war, and consumer sentiment are well known, but why did they impact the markets the way they did?
This and many other lesser known headwinds are broken down in this episode.
Fresh Finance is hosted by Thomas Elms, CFP® and Kyle Ryan, CFP®, who are both Financial Advisors affiliated with LPL Financial. These two parties act separately.
This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group and Menninger & Associates are separate entities from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
In this week’s episode, Thomas and Kyle discuss the volatility in the stock and bond markets and how investors can position themselves to handle this downturn, both financially and emotionally.
Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. #FinancialPlanning #CFP #Market #Investing
In this week’s episode, Thomas and Kyle discuss the impact of our current rising interest rate market environment. So many people are worried about rising rates from higher mortgage payments or car payments to lower earnings multiples for stocks. Today is all about discussing the important things to consider in rising rate environments like this and how sticking to a long-term investment approach tends to be the most effective.
Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
In this weeks episode, Thomas and Kyle discuss the nuances of income and tax planning. The most important thing to remember is that it's not how much you make, but how much you keep. Thomas and Kyle dive into different misnomers out there relating to tax planning, as well as ways to increase income and allocate it according to your plan.
Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. #FinancialPlanning #CFP #Tax #Income
In this weeks episode, Thomas and Kyle discuss their thoughts on what has been occurring in the markets since the start of 2022. With volatility spiking due to a myriad of factors such as geopolitical pressure, rapidly increasing inflation, and rising interest rates, it is important to keep a level head and stick to your long term investing plan. This episode focuses on how investors can perceive changes in the market and reminds them to remain objective in their investing and not emotional. While it is not time to panic within investment portfolios, it is important to be mindful of changes in the economic cycle and how it may impact ones investments.
Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
In this week’s episode, Thomas and Kyle discuss retirement planning and how it is never too early or too late to begin planning for retirement. Topics covered include different types of retirement plans that one can contribute to, understanding expenses before and into retirement, Social Security strategies, and much more.
Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
In this week’s episode, Thomas and Kyle talk about the base of Financial Planning, Cash Flow. It’s so important to understand what is coming IN and what is going OUT and balancing that in a way that has you saving, investing, and also enjoying your life in the present. It’s also to understand what you want your cash flow to look like in retirement as well, because if you don’t have that nailed down, how are you actually measuring your progress towards being able to achieve a successful retirement?
Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.
Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.
No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
On today's episode Thomas and Kyle talk about the most exciting part of the Financial Planning process; Investments. There are so many important pieces to investment planning, but understanding the account types you can utilize, the importance of diversification, and setting a rebalancing strategy are some of the most important.
Welcome to the Fresh Finance Podcast. Get to know your Co-Hosts Thomas Elms CFP® and Kyle Ryan CFP® in this first episode as they give background on how they met, why this podcast will help you, and some of the things they will be talking about throughout the series. Thomas and Kyle are two of the youngest people to ever get the fabled Certified Financial Planner™ designation and they are excited to start spending time giving their knowledge away to you.