How to Money with Kole & Cole: Recent Episodes
howtomoneywithkoleandcole
Welcome to How To Money, with Cole and Kole. I’m Kole...and I’m Cole. We coach people every day on their money, and how to plan for the future. As financial advisors, we’re here to have an honest conversation and educate you on how to money intentionally and passionately to hit your money goals, and we’ll throw in some sports talk along the way. Our mission and goal of this podcast is to improve your money journey, and help you create the financial life you deserve. So let’s talk money....and sports
Many wealthy people have overlapping financial habits. Cole and Baileigh sit down to discuss five habits that wealthy people have.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
As we reach the middle of summer, Baileigh takes a moment to help you check in on your financial goals. She discusses practical ways to improve your finances, reviews key areas that may need attention, highlights common summertime spending mistakes, and shares simple tips to help you finish the year on a stronger financial footing.
This episode also features clips from some of How to Money's most popular past guests:
- https://youtu.be/08K3jxFyjv0
- https://youtu.be/BTkAI-adztU
- https://youtu.be/laNtZdTuemM
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Baileigh brings the ultimate financial "Would You Rather" game to Cole and grills him with different scenarios. Would you rather have most of your money now, or have it come in slowly over the years? Would you rather invest in the market or real estate? These questions and more in this fun-filled episode.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. CDs are FDIC insured to specific limits and offer a fixed rate of return if held to maturity, whereas investing in securities is subject to market risk including loss of principal.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Ben Crimmins of White Transfer and Storage tells his story of becoming an entrepreneur, the origins of his work ethic, working with family, maintaining a positive mindset, helping manage a family company, and more!
🔗 Follow White Transfer & Storage:
Website: https://www.whitetransfer.com
Facebook: https://www.facebook.com/p/White-Transfer-Storage-Co-Inc-100080077737033/
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh sit down with Michael Downey from Uncommon Farms to discuss farm succession planning, the common myths about farm succession, rapid-fire questions about best practices, and more!
🔗 Follow Uncommon Farms:
Website: https://uncommonfarms.com
Facebook: https://www.facebook.com/uncommonfarms/
Instagram: https://www.instagram.com/uncommon_farms/
X: https://x.com/UnCommon_Farms
YouTube: https://www.youtube.com/@UnCommon_Farms
LinkedIn: https://www.linkedin.com/company/uncommon-farms
Mike Downey and Uncommon Farms is not affiliated with Full Swing Financial Planning or LPL Financial
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh discuss why so many people who are high earners are still living paycheck to paycheck, the importance of budgeting (regardless of income), keeping your expenses in check, and more!
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh discuss 10 different topics that many people fail to understand about retirement. Do your future plans align with your retirement finances? Tune in to find out more!
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh talk with Patrick Schultz of Clark Capital about why it is important to do estate planning regardless of your income, simple steps to take to evaluate your finances, how estate planning differs for people with businesses, and more!
Clark Capital and Patrick Schultz are not affiliated with Full Swing Financial or LPL Financial
🔗 Follow Clark Capital:
Website: https://ccmg.com
X: https://x.com/clarkcapital
LinkedIn: https://www.linkedin.com/company/clark-capital-management-group/
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh discuss different scenarios where consistency can outperform reactionary investing solely based on emotions and water-cooler talk. Remember, it's TIME IN THE MARKET, not TIMING THE MARKET.
Stock investing includes risks, including fluctuating prices and loss of principal. Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Money can be emotional sometimes. There is some psychology behind that. We discuss why people feel certain ways about money, the emotions they go through, and positive mindsets that can help alleviate some stress.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Ordinary families can become millionaires too! This week, we discuss why some families become millionaires, and why some don't.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Tax season is here! For those of you who feel like doing your taxes is a daunting task every year, we cover various tax topics for individuals with different financial situations.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh discuss what they would do differently if they started over financially. It's easy to look back at our decisions and want to change them, but unfortunately, we can't. What we can do is set up a plan going forward to help us work towards becoming more comfortable in life.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Instagram: https://www.instagram.com/fullswingfinancial
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Kole Petersen joins us for his last episode of How to Money with Kole and Cole. Starting with episode 101, our show will be called How to Money with Cole and Baileigh. New name, same great podcast content!
Sign up to get notified when our podcasts release: contactus@fullswingfp.com
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/ YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
This episode covers different ways you can start investing without overthinking it. Let's start 2026 out right!
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Every year we make goals, and every year we review those goals to see how we did. In this episode, we cover our 2025 goals and decide which ones we did the best at. We also discuss what mindsets can "move the needle" financially and which ones can be detrimental financially
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Baileigh and Cole discuss different scenarios you should ask yourself before your financial journey continues into 2026.
On today's episode:
🏈 Philip Rivers Comeback Story
❓ Questions to Ask Yourself Before 2026
💲 Consumer Confidence Report
🤷♂️ Why Are You Saving Money?
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
This week, we discuss a year-end tax checklist to help you get situated for a great 2026.
On today's episode:
❓ What are RMDs?
📊 Roth Conversions
⚖️ How to Reallocate
💰 Tax Saving Strategies
A Roth IRA conversion—sometimes called a backdoor Roth strategy—is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you’re required to take a minimum distribution in the year of conversion, it must be completed before converting. To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions. This material is for informational purposes only and does not constitute tax, legal, or investment advice. Please consult a qualified tax professional regarding your individual circumstances. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Have you ever had questions about your 401(k)? The end of the year is the ideal time to ensure you are well-positioned for success in the years to come.
On today's episode:
🤝 Employer Match
⚖️ Traditional vs. Roth
👨💼 Retirement Accounts for Self-Employed
📊 Tax Implications
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Have you ever wondered what the answers are to the most Googled financial questions? This week, Cole and Baileigh answer these questions and more.
On today's episode:
🎃 Halloween Recap
⚖️ What are Stocks?
👶 How Do I Teach My Kids About Finances?
❓ Answers to Common Financial Questions
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Cole and Baileigh discuss the importance of a year-end review of your finances. The holidays are coming up, and 2026 is just around the corner. Do you have your finances in order?
On today's episode:
🗓️ Finishing 2025 Strong Financially
📊 10 Tasks to Review Your Finances
⚖️ Reviewing Goals and Being Intentional
💸 Don't Leave "Free Money" On the Table
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Many of us have thought about how neat it would be to be a millionaire, but few of us have considered the common steps that many people take to achieve this goal.
On today's episode:
🍂 October in Iowa
🏈 Football Season
🚗 Milestones to Millionaire
🧠 Having a Good Mindset
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Eddie Thompson joins us this week to discuss his estate planning strategy, which focuses on legacy, values, & planning ahead.
On today's episode:
🗓️ Planning Ahead
⚖️ Assessing Value
💰 Estates
🧑🧑🧒🧒 Passing Along Family Values
🔗 Follow Thompson & Associates:
Website: https://ceplan.com
Facebook: https://www.facebook.com/ceplanusa/
X: https://www.twitter.com/ceplanusa
LinkedIn: https://www.linkedin.com/company/381182
Eddie Thompson is not affiliated with Full Swing Financial Planning or LPL Financial.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
This week, Cole and Baileigh are discussing financial roadmaps.
On today's episode:
🚗 A Roadmap for your finances
⚖️ Net Worth
👴 Retirement
🏈 Football is Back!
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
This week Kole and Baileigh discuss financial tools parents can use to help prepare them for the back-to-school season.
On today's episode:
🎓 Back to School
📊 529 Plan Updates
🗓️ End of Year Planning
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Larry McLuckie is a retiree who is living his life to the fullest.
On today's episode:
🥳 Living Fully in Retirement
⚖️ Balancing Feelings in Retirement
💵 How to Handle Money Emotions in Retirement
🎉 Trying New Things in Retirement
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Kole and Baileigh discuss ways individuals can stay on track amidst the recent policy changes passed by the government.
On today's episode:
✂️ Tax Cuts
⬆️ Deduction Increases
🏦 Student Loan Adjustments
⚾️ Ryne Sandberg Quote
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
The gang's all here this week! We discuss ways individuals convince themselves that their finances are not in order, when in all actuality, those individuals just need to reframe their thought processes.
On today's episode:
⚾️ Sports Talk
💰 Most Millionaires are Self-Made
⚖️ Correcting Bad Financial Thinking
📊 Budgeting Methods
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Josh Mason, owner of Active Health Clinics, Optic Ink, Anytime Fitness Fort Dodge, and CrossFit Fort Dodge, stops by to discuss how his entrepreneurial journey started, being prepared for new opportunities in business, balancing work and family life, and more!
On today's episode:
💪 Working Hard to Reach Your Goals
📊 Being Prepared for Opportunities
🧑🧑🧒🧒 Balancing Work Life and Family Life
🏃 The Role Fitness Plays in Our Lifestyle
🔗 Follow Active Health Clinics:
Website: https://www.theactivehealthclinics.com
Facebook: https://www.facebook.com/activehealthclinicsfd
Instagram: https://www.instagram.com/activehealthclinicsfd/
YouTube: https://www.youtube.com/channel/UCCYyBWg76P3SbKGgrW3GpAQ
🔗 Follow Optic Ink:
Website: https://www.opticinkllc.com
Facebook: https://www.facebook.com/opticink/
Instagram: https://www.instagram.com/optic_ink/
🔗 Follow Anytime Fitness Fort Dodge:
Website: https://www.anytimefitness.com/locations/fort-dodge-iowa-1338
Facebook: https://www.facebook.com/anytimefitnessfortdodge
🔗 Follow CrossFit Fort Dodge:
Website: https://www.crossfitfortdodge.com
Facebook: https://www.facebook.com/CrossFitFortDodge
Instagram: https://www.instagram.com/crossfitfortdodge
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Baileigh and Cole discuss the good and the bad of social media "finfluencers", how to properly vet financial advice online, and review advice they've overheard online.
On today's episode:
⚖️ Finding Advice That Applies to You
💰 Deciphering Who the Advice Pertains to
🛑 Not Buying Into Sales Pitches
⚾️ Cal Ripken Jr.'s Streak
🏀 WNBA Discussion
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMindset #Investing101 #DebtFreeJourney
Kole, Cole, and Baileigh cover important foundational steps everyone could benefit from financially.
On today's episode:
🥎 Softball Talk
⚖️ Matching Contributions
📖 Tracking Expenses
🛟 The Importance of Life Insurance
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Kole and Baileigh sit down with Nate Moeller of Moeller Furnace & Air.
On today's episode:
⏳ Over 100 Years of Service
☺️ Values and Work Ethics
🔥 Heat for the Holidays
🏢 The New Moeller Location
🔗 Follow Moeller Furnace & Air:
Website: https://www.moellerfurnace.com
Facebook: https://www.facebook.com/MoellerFurnaceAir
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Kole, Cole, and Baileigh weigh in on the top ten budgeting mistakes that everyone makes.
On today's episode:
🏃 Recapping the 5k/1k Event
💵 Budgeting Mistakes That Can Cost Thousands
🤑 The Top Overspending Categories
⚖️ How to Help Make a Budget Stick
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
LinkedIn: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Cole and Beileigh discuss your 401(k) options after leaving an employer.
On today's episode:
⚖️ What To Do With Your 401(k) When You Leave a Job
🆚 Roll It Out vs. Cash It Out vs. Leaving It
🧮 IRA vs. 401(k)
🏀 March Madness Talk
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Scott Ladner from Horizon Investments joins How to Money this week to discuss how to make smart investments when policies are impacting the markets.
On today's episode:
💲 Scott Ladner of Horizon Investments
⚖️ Making Smart Investments
🎙️ Dollars and Sense
🏃 Full Swing Forward 5k/1k
🔗 Follow Scott Ladner - Horizon Investments:
Website: https://www.horizoninvestments.com/author/sladner/
X: https://www.twitter.com/horizoninvest
Scott Ladner/Horizon Investments is not affiliated with or endorsed by LPL Financial and Full Swing Financial Planning. All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Stock investing includes risks, including fluctuating prices and loss of principal. Advisors may discuss a company, provide data or facts, market related info, company announcements, etc. They may not discuss performance, revenue increases or other language that would imply he is recommending action regarding the stock.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Kole, Cole, and Baileigh weigh in on charitable contributions, the benefits making a contribution can have at tax time, and more! They even do a Zoom call with Abby Coppola of Children's Cancer Connection of Iowa to promote an upcoming 5k event.
On today's episode:
🏃 The Full Swing Forward 5k
💻 Zoom Call with Children's Cancer Connection
❄️ Crazy Iowa Weather
🎗️ Getting the Most Out of Your Charitable Contributions
🔗 Follow Children's Cancer Connection of Iowa:
Website: https://ccciowa.org Facebook: https://www.facebook.com/ChildrensCancerConnection/
X: https://www.twitter.com/ccc_iowa
YouTube: https://www.youtube.com/channel/UC4KlQXYt4gCHJ8bqzjxmEcQ
LinkedIn: https://www.linkedin.com/company/childrens-cancer-connection/
All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Stock investing includes risks, including fluctuating prices and loss of principal. Advisors may discuss a company, provide data or facts, market related info, company announcements, etc. They may not discuss performance, revenue increases or other language that would imply he is recommending action regarding the stock. CDs are FDIC insured to specific limits and offer a fixed rate of return if held to maturity, whereas investing in securities is subject to market risk, including loss of principal. This is a hypothetical example and is not representative of any specific investment. Your results may vary.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Baileigh recaps How to Money's most popular episodes from 2024 by featuring clips from each of those episodes!
👥 Guest Episodes:
51 - https://www.youtube.com/watch?v=4eTUdoQxX0M
64 - https://www.youtube.com/watch?v=epeeGIYk64M
69 - https://www.youtube.com/watch?v=8pU9w4Le2-8
67 - https://www.youtube.com/watch?v=bLN2Uo3IemQ
👤 Solo Episodes:
65 - https://www.youtube.com/watch?v=MokeEiqnm3Q
71 - https://www.youtube.com/watch?v=wqv-QaAot-Y
63 - https://www.youtube.com/watch?v=24D6vvAAvRs
61 - https://www.youtube.com/watch?v=_caUkLQ1vrg
🏃 Full Swing Forward 5k & Children's 1k Event:
Online Registration: https://raceroster.com/events/2025/102358/the-full-swing-forward-5k
Registration: email contact@fullswingfp.com for the form or stop by our office at 1725 1st Ave S. Fort Dodge, IA 50501
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Baileigh and Cole sit down this week to complete part 2 of their "Retirement Derailment" series.
On today's episode:
⚖️ Maximizing Contributions
👶 Start Saving Young
📊 Sticking to Your Plan
🏈 Super Bowl Recap
Part 1: https://youtu.be/p07QoKPx5F0
Asset allocation does not ensure a profit or protect against a loss. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Cole and Baileigh discuss common mistakes and events that can derail a retirement.
On today's episode:
🏥 Unexpected Life Events
📊 Market Volatility
🎈 Inflation
🏈 Go Chiefs
*** Asset allocation does not ensure a profit or protect against a loss.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. ***
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Denny and Emily Stucky are the new owners of Fort Dodge's Community Orchard.
On today's episode:
🍏 Fort Dodge's Community Orchard
🍎 The Apple Attic at Community Orchard
🎃 The Pumpkin Patch at Community Orchard
🌽 The Corn Maze at Community Orchard
🍾 New Apple Cider Drinks
🔗 Follow The Community Orchard:
Website: https://www.communityorchard.com
Facebook: https://www.facebook.com/thecommunityorchard
Instagram: https://www.instagram.com/communityorchard_fd/
TikTok: https://www.tiktok.com/@community_orchard_fd
🔗 Follow The Apple Attic:
Website: https://www.communityorchard.com/shop
Facebook: https://www.facebook.com/appleatticorchard/
Instagram: https://www.instagram.com/apple_attic/
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Kole, Cole, and Baileigh dispel some common myths about retirement.
On today's episode:
🥶 Cold Weather
🗓️ 2025 Goals
🕵️♂️ Investigating Retirement Myths
💸 New Year's Financial Tips
🏈 College Football Playoffs
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Kole, Cole, and Baileigh break down their 2024 goals. Who do you think did better?
On today's episode:
🧐 Recapping Our 2024 Goals
🤩 Our Favorite Episodes of 2024
🏈 College Football Picks
📈 NVIDIA vs Netflix
💰 Setting Short, Mid, and Long-Term Goals
All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The NASDAQ Composite Index measures all NASDAQ domestic and non-U.S. based common stocks listed on The NASDAQ Stock Market. The market value, the last sale price multiplied by total shares outstanding, is calculated throughout the trading day, and is related to the total value of the Index. Stock investing includes risks, including fluctuating prices and loss of principal. Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Kole, Cole, and Baileigh are here to talk about seven things nobody tells you about retirement.
On today's episode:
🎄 How Much Americans Spend on Christmas
🎁 Kole, Cole, & Baileigh's Favorite Christmas Gifts
💰 Balancing Spending During Retirement
⚖️ Balancing Free Time in Retirement
👴 Feeling Old is Relative
Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
This episode is a replay of our most popular episode from 2024, which featured Iowa Central Community College President Dr. Jesse Ulrich.
This week, Iowa Central Community College President Dr. Jesse Ulrich joins us to discuss a wide range of topics related to post-secondary education.
On today's episode:
💵 The best ways to avoid student loans
💰 The best course of action for those with student loans
⚖️ Comparing costs of community colleges and universities
🎓 Why graduating from a community college is beneficial
🇺🇸 What Olympic event Jesse would want to compete in?
🔗 Follow Iowa Central Community College:
Website: https://www.iowacentral.edu
Facebook: https://www.facebook.com/iowacentral/
Instagram: https://www.instagram.com/iowacentral/
X: https://www.twitter.com/IowaCentral
YouTube: https://www.youtube.com/IowaCentralCC
LinkedIn: https://www.linkedin.com/school/iowa-central-community-college/
Snapchat: https://www.snapchat.com/add/tritonnation
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
FinancialEducation #FinancialPlanning #Investing #personalfinance #financialfreedom #financialliteracy #financialmanagement #financeplanning #finance #financetips #finances #financialindependence #financialgoals #financialsuccess #StudentLoans #college #collegelife #collegeadmissions #collegedays #communitycollege
Dr. John Clay is a dentist and the owner of Iowa Dental Associates.
On today's episode:
🦷 Dr. John Clay Starting His Own Business
🪥 The Creation of Iowa Dental Associates
💸 Taking Strategic Risks
📈 Changing Systems at New Locations
🏈 Sports Talk
🔗 Follow Iowa Dental Associates:
Website: https://www.iowada.com
Facebook: https://www.facebook.com/iowada1
Instagram: https://www.instagram.com/iowadentalassociates/
YouTube: https://www.youtube.com/@IowaDentalAssociates
LinkedIn: https://www.linkedin.com/company/iowa-dental-associates
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
HowToMoney #FinancialLiteracy #MoneyTips #FinancialPlanning #InvestingForBeginners #WealthBuilding #RetirementPlanning #SmartInvesting #PersonalFinance #MoneyManagement #InvestingTips #FinancialEducation #FinancialIndependence #BudgetingTips #MoneyMondset #Investing101 #DebtFreeJourney
Jordyn Harman is the owner of Med Spa Express in Pocahontas, Iowa.
On today's episode:
🩺 Jordyn's Prior Employment in the Healthcare Industry
📊 How did Med Spa Express Start?
😷 Jordyn's Training
💉 The Wide Range of Services Med Spa Express Offers
🔗 Follow Med Spa Express:
Website: https://www.medspaexpress.net
Facebook: https://www.facebook.com/MedSpaExpressJH/
Instagram: https://www.instagram.com/medspaexpressjh/
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
FinancialEducation #FinancialPlanning #Investing #health #wellness #spa #weightloss #financialmanagement #financialfreedom #finance
Andrea Oswald and Mackenzie Ramthun of Rejuvenate Health + Wellness stop by to discuss how Rejuvenate Health + Wellness can improve your health and wellness.
On today's episode:
🌪️ ISU Cyclones Sports
🩺 Health and Wellness
⚖️ Weight Loss
💉 Botox
💰 A Nearly $50 Billion Industry
🔗 Follow Rejuvenate Health + Wellness:
Website: https://rejuvenatefd.com
Facebook: https://www.facebook.com/rejuvenatefd/
Instagram: https://www.instagram.com/rejuvenate_fd/
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
FinancialEducation #FinancialPlanning #Investing #health #wellness #spa #weightloss #financialmanagement #financialfreedom #finance
Ryan Smith, President of Kingsgate Insurance, joins us this week to discuss how Kingsgate started as a family-owned business and progressed to where it is today.
On Today's Episode:
⚾️ Baseball Talk
🎓 Working After College
🌽 Having Insurance Roots in Agriculture
🌪️ How Disasters Can Impact the Industry
⚖️ Being a Generalist vs. Being a Specialist
🔗 Follow Kingsgate Insurance:
Website: https://www.kingsgateinsurance.com
Facebook: https://www.facebook.com/KingsgateInsurance
Instagram: https://www.instagram.com/kingsgateins/
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
📩 Contact Full Swing Financial Planning:
Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
🌐 Follow Full Swing Financial Planning:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is presented by Full Swing Financial Planning and is produced by Spin Markket + Digital (https://www.spinmarkket.com).
FinancialEducation #FinancialPlanning #Investing #insurance #insuranceagent
Kole, Cole, and Baileigh discuss common statements people make about their personal finances. Sometimes these statements can have underlying implications. Sometimes it depends on how the statement is said. Regardless, these statements have impacts on the people saying them and the people hearing them.
On today's episode:
🏈 NFL Talk
⌚️ Starting Investing Early
🙋♂️ Making Your Own Financial Goals
👀 Not Comparing Yourself to Others
⚖️ Full Swing’s Upcoming Medicare Seminar
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us online:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital! https://www.spinmarkket.com
FinancialEducation #FinancialPlanning #Investing
Mark Campbell stops by this week to discuss what it's like to be a county supervisor, how the county aims to help all communities in Webster County, events at Amigos, and more!
On today's episode:
🌊 Amigos Giving Back to the Community
🎰 Casino Discussions
📊 Economic Outcomes of Elections
🏈 Super Bowl Picks
🎓 Mark's ICCC HOF Induction
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us online:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital! https://www.spinmarkket.com
FinancialEducation #FinancialPlanning #Investing
Big or small, it's important to have a plan for an inheritance. This week Cole and Baileigh discuss steps individuals can take when coming into an inheritance, legacy planning, and more!
On today's episode:
🥇 Having a plan for YOU
🏦 Managing money in a place you're comfortable with
🗣️ Discussing your options with professionals
⛳️ Eddie Doyle qualifying for USGA Mid-Amateur
💰 What would Baileigh and Cole do with a million dollars?
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future! If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us online:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital! https://www.spinmarkket.com
FinancialEducation #FinancialPlanning #Investing
We are joined by Iowa Central Community College President Dr. Jesse Ulrich this week to discuss a multitude of topics relating to post-secondary education.
On today's episode:
💵 The best ways to avoid student loans
💰 The best course of action for those with student loans
⚖️ Comparing costs of community colleges and universities
🎓 Why graduating from a community college is beneficial
🇺🇸 What Olympic event Jesse would want to compete in
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us online:
Website: https://www.fullswingfinancial.com
Facebook: https://www.facebook.com/fullswingfinancialplanning
Linkedin: https://www.linkedin.com/company/full-swing-financial-planning/
YouTube: https://www.youtube.com/@HowToMoneyPodcast
Kole Petersen: https://www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: https://www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: https://www.facebook.com/baileighfullswingfinancialplanning
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
https://www.spinmarkket.com
FinancialEducation #FinancialPlanning #StudentLoans
After catching up on the first week of the Olympics, we are discussing the ins and outs of Financial Planning for the future given many different scenarios.
On today's episode:
🧮 Obtaining quality financial planning
❔ Asking why we own the investments we own
🕰️ Creating goals for your financial future
📝 Planning ahead for unexpected events
⛹️ Our dream Olympic events to participate in
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
Thanks to all our listeners for following our podcasting journey!
On today's episode:
💍 What questions should I be asking if I'm engaged
📋 It's mid year checkin time - how is everyone doing on their goals
📈 What's the market like right now
🇺🇸 At the end of the day, regardless of beliefs, we are all human beings
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
Today we are joined by Nick Wolfe from Horizon Investments who is one of the "coaches" we lean on at Full Swing Financial.
On today's episode:
💵 What Horizon Investments does for us
👰🏼♀️ The dynamic between a client, financial advisors, and their connections
🇺🇸 4th of July spending
🧒 Nick's calling to adopt
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
Today we are joined by the two people who make this company actually go...Chelsie Jaeschke and Molly Nelson, the wives of Kole and Cole!
On today's episode:
💵 The important conversations before getting married
👰🏼♀️ What it's like to be married to financial advisors
📝 Staying on the same page financially
💰 Should we have separate or combined finances?
🏀 Wives vs. Husbands 3 on 3...who wins?
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
The googler gave us some great tips...we broke them down for you!
On today's episode:
⛓️💥 Budgeting should be freeing, not restricting
💸 Creating a plan to attack your debt
📈 Where the market stands at the half-way point
💰 What's a split stock
🏀 The NBA Finals are on deck, who do you got?
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel and other platforms:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
Did you know we make specialized plans just for you? Learn more about what exactly we can do for you on this episode? If you missed part 1 and 2 be sure to listen to episode 49 and 51 of the podcast to get the full series
On this episode the team discusses:
👨🏻💻 The importance of a financial advisor during the unexpected twists of life
⚾️ When life throws a curve ball will you be prepared
😬 "Social Security is Going to Be in Trouble" - What that headline actually means
💸 Legacy Planning - planning your finances for the future
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
Today the team is back with another episode of How to Money with Kole and Cole and today we are joined by our first ever remote guest - Founder and CEO of Invst and Best-Selling Author Scott Jarred
On today's episode we talk:
👦🏻 Scarcity wasn't what I wanted so I worked hard and made a better life
📌 Finding your why
💰 Building a wealthy mindset
👨🏻💼 A human being or a human doing?
🏀 Caitlin Clark is changing women's sports unlike anyone before
Buy Scott's Books:
FutureHack - https://www.amazon.com/FutureHack-Reach-Your-Financial-Potential/dp/1735111201
Accelerate - https://www.amazon.com/Accelerate-Reach-Financial-Freedom-Faster/dp/1636802060
Scott Jarred's Website - www.scottjarred.com
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
We're back with another episode and today we are joined by the President of Availa Bank in Fort Dodge - Dave Flattery
On today's episode:
👨🏻💼 Dave's journey to becoming the President of Availa Bank in Fort Dodge
🏢 The future of commercial real estate
📖 What makes a good leader?
🧑🧑🧒🧒 Faith, faith, and business: what motivates you?
🏀 The Caitlin Clark effect on women's sports
⛳️ The boys way in on the upcoming Master's tournament and make their picks
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel and other platforms:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
🚨 Attention How to Money Listeners! 🚨
If you love hoops this episode is for you! In this special bonus episode the Full Swing team and special guest Wade Lookingbill break down the first weekend of the NCAA Tournaments and look ahead to the remainder of the tournament!
In this episode the team discusses:
🏀 Can anyone stop UConn or South Carolina?
🏆 How far can the Iowa women and Iowa State men go?
💰 The affect of "Clarkenomics" on Iowa and on women's basketball
💫 Audi Crook's 40-piece
👴🏻 Super seniors and chemistry vs. freshman and raw talent
🎰 Baileigh's hot streak of picking winners
⛹🏼 Wade's experience being apart of the NCAA tournament
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel and other platforms:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
https://open.spotify.com/show/2hga3ucraCOwxsFMWRpJwb?si=e2fb6656bbed454a
https://podcasts.apple.com/us/podcast/how-to-money-with-kole-cole/id1617891492
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
We're back with another episode and today we are joined by the owner of our marketing company, Cheryl O'Hern, and Spin Markket.
On today's episode:
🏀 March Madness Bracket: Join the How to Money Bracket Challenge! Enter for a chance to win some Full Swing Merch!
📖 History of Spin Markket: Why did Cheryl start it?
💻 Digital Marketing: the ever-changing world
👩💻 Importance of having professional digital marketing assistance
📈 Branding vs. Marketing: Importance of your online brand and presence
🛜 Evolution of being online
🐕 Be a BULLDOG for your business!
Join the How to Money Bracket Challenge:
Men's Bracket: https://fantasy.espn.com/games/tournament-challenge-bracket-2024/group?id=54068d13-0871-48cf-a09d-24970542ef2b
Women's Bracket: https://fantasy.espn.com/games/tournament-challenge-bracket-women-2024/group?id=c4894ce7-cfa5-4b7f-9a46-95c89cf2a117
At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions, please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check out our podcast on our Youtube Channel and other platforms:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
https://open.spotify.com/show/2hga3ucraCOwxsFMWRpJwb?si=e2fb6656bbed454a
https://podcasts.apple.com/us/podcast/how-to-money-with-kole-cole/id1617891492
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa, and is produced by Spin Markket + Digital!
Did you know we make specialized retirement plans for every client? Learn more about what exactly we can do for you on this episode!
On today's episode:
📝 How we take what we've heard from our meetings and implement them into your plan
💵 Choosing the right investments based off of risk
💰 Being prepared for taxes
🏀 Will Caitlin go pro?
🎂 Sharing a birthday is more common than you'd think
📈 The NASDAQ is up 100% over the last 5 years
🏈 The boys pay their debt
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
We have another great episode of How to Money with Kole and Cole with a special guest Brady Haye - the lead of the Brady Haye Mortgage Team
On this episode the team discusses:
💸 Max Mortgage Amount < Comfortability in Your Budget
👬 What makes Brady's team different from other mortgage companies
💵 What is PMI?
📈 Brady gives his opinion on where interest rates will go from here
🏈 Baileigh celebrates her victory in the pre-season Super Bowl bet
Follow Brady Haye
The Brady Haye Mortgage Team Podcast: https://www.youtube.com/@BradyHayeMortgageTeam
Facebook: https://www.facebook.com/DSMHomeMortgage/
Instagram: https://www.instagram.com/bradyhayemortgageteam
TikTok: https://www.tiktok.com/@bradyhayemortgageteam
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
Did you know we make specialized plans just for you? Learn more about what exactly we can do for you on this episode?
On this episode the team discusses:
📝 The first 2 steps to building a financial plan
💵 Why it's important for you to have a personalized retirement plan
🎤 The impact that Taylor Swift has had on the NFL
🤔 The parts of retirement people don't think about
🏈 Mahomes vs. Purdy - Who ya got?
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
Mortgage rates are dropping. Should you buy now? Troy Anderson thinks so!
On this episode the team discusses:
🏡 Troy's path to becoming owner/broker of Coldwell Bank Fort Dodge
🔄 Troy tells the story of his first flip house
🏠 Mortgage rates are plummeting; is it time to buy?
🏈 The team makes their 4 picks for the Divisional Round of the NFL playoffs
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
Happy New Year to all of our listeners! We appreciate you listening to the podcast so much and can't wait to see what this year brings!
On this episode the team discusses:
🤑 Three steps you can take to a financially successful 2024
✅ We review our goals from 2023 to see our successes and failures and set new goals for 2024
🏡 Mortgage rates are plummeting; is it time to buy?
🏈 The team makes their 6 game picks for Super Wildcard Weekend
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
Christmas-time is here and it's our last podcast episode of 2023! We've seen tremendous growth this year and we just want to say thank you to all of our listeners who've supported us this year! We hope you enjoy our final episode of 2023 and can't wait to see what 2024 brings!
On episode forty-five the team discusses:
🎄 Our favorite parts of Christmas and the holiday season
💭 The importance of reflecting on your financial successes in 2023
💸 Why so many Americans have accrued debt this year
📋 Your checklist of things to do by December 31st
📈 The great news that the S&P 500 is wayyy up year-to-date and what we'd expect next year
🏈 Where our Super Bowl predictions stand as the playoffs quickly approach
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
Today on How to Money with Kole and Cole we have a special guest, "Iowa Mr. Basketball-1988" Wade Lookingbill. Wade was an Iowa Hawkeye basketball player from 1988-1993 and a Fort Dodge Dodger basketball legend. We are so excited to have him on the podcast and can promise you that you won't want to miss this episode!
On this episode the group discusses:
🏀 The Fort Dodge Dodgers magical run to the 1988 state basketball title
⛹🏼 Having the opportunity to play against NBA HOF'ers while playing for the Hawkeyes
👨🏻💼 The moment Wade realized that basketball was fun but wouldn't be his career
💰 The affects of NIL and the transfer portal on today's college athletics
📊 Wade's many side hustles and how sports has helped him in his work
📈 The comparison of the markets from January 2023 to December 2023
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
In this episode Kole, Cole, and Baileigh are joined by a special guest - The Director of Happiness: Matt Johnson!
Listen in as the team interviews Matt to hear all about his entrepreneurial and philanthropic endeavors in Fort Dodge.
In this episode we discuss:
😁 How a happy attitude can be infectious for those around you
🍱 The development of the Fort Dodge Ford Thanksgiving Meal
🚲 How one boy's gift to Bikes for Tykes touched Matt's heart
🚚 How Meals on Wheels has helped so many
🎁 Using the Federal Gift Tax Exemption in your gifting every year
At Full Swing Financial Planning we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
ICYMI - We made a huge announcement on Wednesday! We are launching our new brand - Full Swing Financial Planning!
In this episode Kole, Cole, and Baileigh bring you up to date on all that's been happening to make FSFP a reality!
In this episode we discuss why Kole, Cole, and Baileigh felt that it was time to launch Full Swing, who on the team is going with us, what the rebranding will mean for our current clients, who is LPL and what they will do for you, and some of the things that future clients can expect.
And don't worry...the podcast is going nowhere! We are still going to talk money management, inflation, interest rates, and sports, interview our local entrepreneurs, and much more!
We are all very excited and know that the best days are ahead! At Full Swing Financial Planning, we are here to empower you to take control of your plan, your way, for your financial future!
If you have questions please contact us today!
Business Address: 1725 1st Ave S, Fort Dodge, IA 50501
Phone Number: 515-308-4545
Email Kole Petersen: Kole@fullswingfp.com
Email Cole Jaeschke: Cole@fullswingfp.com
Email Baileigh Ashbrook: Baileigh@fullswingfp.com
Follow us on Facebook:
Full Swing Financial Planning: www.facebook.com/fullswingfinancialplanning
Kole Petersen: www.facebook.com/kolefullswingfinancialplanning
Cole Jaeschke: www.facebook.com/colefullswingfinancialplanning
Baileigh Ashbrook: www.facebook.com/baileighfullswingfinancialplanning
Check Out the Podcast on our Youtube Channel:
www.youtube.com/channel/UCWod36PsnadVcQrt_K8BLlw
Visit Our New Website:
www.fullswingfinancial.com
This podcast is a production of Full Swing Financial Planning in Fort Dodge, Iowa and is produced by Spin Markket + Digital!
www.spinmarkket.com
In this episode the team discusses with Special Guest Dan Scott:
🎂 What is the difference between a bank and a credit union
🏘️ Making a IMPACT in your community and in your business
⚾️ In Dollars and Sense, Cole discusses how the pitch clock has affected baseball attendance
🏀 Cole and Baileigh share about their experience at the Kinnick Crossover
Visit our Website for More Information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
www.spinmarkket.com
In this episode the team discusses:
🎂 Understanding the timing of each birthday and what it means for your financial future
🏠 Understanding the housing market deficit and high interest rates
🏀 The Kinnick Crossover this coming weekend
🏈 Iowa State's Brock Purdy and the 49ers are rolling
Visit our Website for More Information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
www.spinmarkket.com
Kole, Cole, and Baileigh are back with another episode and this week they have a special guest - small business owner and serial entrepreneur Jacci Hindt of Gowrie, Iowa. You won't want to miss this episode!!
In this episode the team discusses:
🥂 Turning the tragedy of losing a best friend and creating a legacy in Salty Suz
😰 Understanding how to take your fears and turn it into freedom
⏳ The importance of prioritizing your time to be there for what's important
🏈 The Denver Broncos giving up 70 points last week
Connect with Jacci Hindt:
Salty Suz
Jacci Addison Studio
Addison James Boutique
Visit our Website for More Information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
www.spinmarkket.com
The gang is back with another episode and this week it's How to Money with Cole and Baileigh. On this episode the group discusses
💰 What employers need to know when setting up retirement benefits for employees
🩺 How to properly set up healthcare benefits
🧾 The resumption of student loan payments
🏈 NFL Week 1 reactions and SB predictions
See the chart that Baileigh mentioned - https://www.facebook.com/photo/?fbid=817937900118338&set=a.536523181593146
Visit our Website for More Information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
www.spinmarkket.com
The team is back with another episode and it's all things medicare. We are missing Cole this morning but he'll be back next week. On this episode Kole and Baileigh have a great conversation with Doreen Coppinger and Linsey Simpson:
😷 Understanding the wheres, whys, and whens about all things medicare
👨🏻💻 The reasons for meeting with a specialist and not doing it all yourself
💸 Understanding when is the right time to take social security
🥵 Enjoying the outrageous heat in Fort Dodge this week
Connect with KHI Solutions:
www.khisolutions.com
515-576-1800
Visit our Website for More Information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
www.spinmarkket.com
The team is back with another episode and it is one of the best ones yet! On this episode Kole, Cole, Baileigh, and Caleb discuss the following topics:
👨🏻💻 The questions you should ask when getting a new job 💰 Making sure you take your investments with you when you leave a job 💸 Inflation, inflation, inflation 🏀 Baileigh and Kole finally played a game of 1v1
Visit our Website for More Information: www.cfgfortdodge.com www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
The team is back with another episode and it is one of the best ones yet! On this episode Kole, Cole, Baileigh, and Caleb discuss the following topics:
5️⃣2️⃣9️⃣ Ways to financially invest in your child's future 💰 The importance of educating and training your children about finances and investing 🤔 Just because you can spend it doesn't mean you should 🏌🏼 How Caleb ended up with Iowa Hawkeye legend Caitlin Clark's autograph 📈 The historic climb of the DOW
Visit our Website for More Information: www.cfgfortdodge.com www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
On this episode of How to Money with Kole and Cole, the team discusses the process of understanding the market
On this episode we discuss: 🏪 The differences of the NASDAQ, DOW Jones, and S&P 500 🧠 The differences in growth and value stocks 🤑 Understanding the reasons why older people tend to want more control of their assets 🏌🏼 Cole J's big win in the county golf tournament
Visit our Website for More Information: www.cfgfortdodge.com www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
On this episode of How to Money with Kole and Cole, Kole Petersen got to share his entrepreneurial story
On this episode we discuss: 📈 The state of the market at halftime in 2023 🧠 What person made the most influence on Kole's decisions 🤑 The transition from employee to small business owner 👨🏻🦳 How to find a mentor 🏌🏼 Who is cooking on the golf course right now
Visit our Website for More Information: www.cfgfortdodge.com www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
With summer in full swing and the team on vacations this week's episode is just a little different! We decided to highlight our favorite moments of the podcast from 2023 thus far! We hope you enjoy this week's episode and we will be back fresh and ready to go July 7!
Visit our Website for More Information: www.cfgfortdodge.com www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
On this episode of How to Money with Kole and Cole the team had a great conversation about the Top 10 Financial Questions that were searched in the year 2023
On this episode we discuss the following questions: 📈 What is a credit score and how do I improve mine? 💵 How much money should I have saved to start investing and how old should I be? 💳 Should I get a credit card? 🤑 How do I track my investments and my net worth? 💰 How do I make sure I am paying my taxes on my investments correctly? % What is the difference between APY and APR?
Visit our Website for More Information: www.cfgfortdodge.com www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
On this episode of How to Money with Kole and Cole the team sits down with Abby Stromberg, the owner of the newest coffee shop in Fort Dodge: Stella's Coffee Bar!
On this episode we discuss:
🕷️ How Abby got the entrepreneur "bug"
😷 The covid-19 pivot
☕️ The future for Stella's Coffee Bar
💭 Advice for other young aspiring entrepreneurs
💸 What the debt ceiling actually means for us
Visit our Website for More Information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Follow Stella's Coffee Bar:
Follow Abby and Stella's on Instagram, Facebook, Pinterest, and TikTok and visit the coffee shop today!
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
We are back with another episode of How to Money with Kole and Cole and it is a great one! On this episode of the team discusses:
📰 The importance of not overreacting to a negative headline
🏦 Steps you can take during market volatility
📉 Riding the market wave all the way out
🏠 The increased interest rates and comparisons to previous times
🏌🏼 Kole and Cole's golfing competition
Schedule a financial meeting with Kole, Cole, or Baileigh by emailing Baileigh at baileigh.ashbrook@centralfinancialgroup.com
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Thank you to BetterHelp for sponsoring How to Money with Kole and Cole! #sponsored
Go to www.betterhelp.com/cfg for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help!
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket. www.spinmarkket.com
In this episode of How to Money with Kole and Cole, the group discusses:
📈 Cole Jaeschke's journey to becoming a "serial entrepreneur"
🏈 Getting cut in football rookie camp and finding a new direction
🏠 Deciding to invest in real estate
⛳️ Understanding the interest rate hikes
👶🏼 The birth of Caleb and Lilly's baby girl
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode of How to Money with Kole and Cole, the group discusses:
📈 How our goals for 2023 are progressing
📅 Why it's important to do a financial check-in
👨🏻💻 A simple way to check if you have unclaimed assets
🪪 Will Social Security run out
💸 Whether you should pay off your debt or save for retirement
⛳️ The results for the Master's
Check if you have unclaimed financial assets at www.missingmoney.com
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole, Cole, and Baileigh discuss:
🏦 The SV Bank Failure and How it Affects You
👨🏻💻 What and Who is a Fiduciary
💸 How much does FDIC cover my accounts?
🍾 The Upcoming CFG events!
🏀 Bring on March Madness!
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
- Financial Literacy- the importance of communication
- How to talk to loved ones about money.
- Dollar Cost Averaging Out
- Why She Wrote a Girl’s Guide to Personal Finance
- Joey’s Golden Nuggets of Personal Finance
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Find Joey Beech:
LinkedIn & Facebook & Instagram
Order her book
Visit her website
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
- Why budget, and what does it entail?
- Do you have the right insurance into place?
- Mortgage payment tip!
- What is the opportunity of a meeting with a financial planner
- Reacting to the Super Bowl and coaching changes
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
- What does the process of a financial plan look like and why?
- The Importance’s of Pre-Retires to be prepared before retirement.
- Active vs Passive Investing
- What do you want retirement to look like?
- The CFG Team makes their Super Bowl predictions!
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
On Episode 21 Kole, Cole, Baileigh, and John discuss:
- To have a will, trust, or both?
- What happens to my assets without a will or trust in place
- Changes to gifting amounts
- The 5 Year Look Back Rule
- Their 2023 Super Bowl predictions ahead of the Divisional round of the NFL Playoffs
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
- The Secure Act 2.0
- Iowa Tax Law Changes 2023
- 2023 Personal and Business Goals
- Actionable Steps for Anyone to Improve their Financial Year
- Their Predictions for the Final week of the NFL Regular Season and the NCAA National Championship
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
- Who is Mark Manos? Who is Clark Capital?
- Active Management in volatile markets
- Clark Capital an Extension of our CFG Team
- Dollars & Cents/Sense – How many times has the market been positive!
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole will be discussing with special guest Andy Jansen:
-
- Andy Jansen Discuss Money Guide Pro & Riskalyze
- Succession Planning for Clients
- Legacy Planning, passing down
- Dollars & Cents/Sense – the Market & Farmland
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Andy Jansen Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
-
- The new Shop Local 401k Campaign
- Who oversees the 401k
- How we take care of your 401k
- Dollars and Sense about the election affects on the market
- What would you do if you won the lottery?
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Listen to the Podcast:
Apple Podcasts
Spotify
CFG Website
Youtube
Social Media:
Central Financial Group: Facebook & LinkedIn
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
-
- Social Security COLA Updates
- IRS Updates on 2023 Contributions
- Student Loan Forgiveness- What you need to know.
- Our First Dollars & Cents/Sense!
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
-
- We discuss the journey of Kole and Cole
- How they became Financial Advisors
- What happened in their life to get them to the path they’re on
- Their Favorite Aspect of Advising People
- What Habits create success
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
On episode 14 of How to Money with Kole and Cole we will be discussing:
-
Positives of down market or current market conditions
-
Definition of Bear Market
-
Buying opportunities
-
Tax loss harvesting
-
Diversification / Dividends
-
Rising Interest Rates
-
Roth Conversions
-
Whether to stay in or get out
-
The importance of working with a financial professional in uncertainty
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Baileigh Ashbrook Facebook & Linkedin
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss with Special Guest Craig Jarrard:
• Life as an Entrepreneur
• Pivoting in the up and downs of Covid
• Craig Jarrard’s History at Brown Shoe Fit
• Impacting others with your success
Connect with Brown Shoe Fit and Craig Jarrard:
• https://www.facebook.com/brownsfd
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
Today on How to Money with Kole and Cole we will be joined by special guest CPA Neil Flattery and they will be discussing: •Taxes in retirement •Tax changes coming to Iowa •10 year drain rule
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
The Q & A Episode!
Hear Kole and Cole’s answers to your questions!
- How much life insurance should I have?
- How much should I invest for retirement?
- What is the best way to invest in my kid’s college fund?
- The best money advice Kole and Cole have received!
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
In this episode Kole & Cole discuss:
-How does Income work in Retirement
-Retirement Distributions
-Iowa State Law Tax Changes that can impact you!
-What is an RMD?
..and of course, a little sports talk.
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
On Episode 9 of How to Money with Kole and Cole, we get to interview John Engler of Johnson Law about what he sees every day in helping people prepare their finances for the future. Join us as we discuss Estate planning, wills, trusts, and much more on this episode of the podcast.
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
How to Money with Kole and Cole have a conversation about current and personal finance with sports talk in the mix.
In this episode Kole & Cole discuss:
-Baileigh Ashbrook’s Role at CFG
-Women Financial Advisors
-Securities Exams: SIE, Series 7, Series 63, Series 65, Life & Health
-CFG’s Growing Team
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
How to Money with Kole and Cole have a conversation about current and personal finance with sports talk in the mix.
In this episode Kole & Cole discuss:
-What is an Alternative Investment
-Crypto Currencies
-Should I be investing in Crypto, why is a hot topic
-Real Estate, Gold, and other alternative investments
-The Importance of Diversification
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
On Episode 6 of How to Money with Kole and Cole we are joined by special guest Patrick O'Rourke. We will be discussing:
-
The History of CFG Financial Group
-
Pat’s History in the Finance Business
-
How financial Strategies have changed
-
How interest rates and the market have changed
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
On Episode 5 of How to Money with Kole and Cole we will be discussing:
-How the Stock Market Works
-Inflation, controlling your finances
-How to handle Uneasy times in the market
-The importance of having a financial plan
Find Us Here:
Our website for more information:
www.cfgfortdodge.com
www.centralfinancialgroup.com
Check us out on YouTube
Kole Petersen Facebook & LinkedIn
Cole Jaeschke Facebook & LinkedIn
Support our Sponsor:
-
Spin Markket: Facebook & Instagram & Linkedin & Twitter
-
Contact us for your all your digital marketing needs at 515-302-8026 or email us at digitalagent@spinmarkket.com
-
Visit our website www.spinmarkket.com
This podcast is a production of Central Financial Group Fort Dodge and is produced by Spin Markket.
Welcome to How to Money with Kole and Cole! On today's episode we will be talking about the importance of Life Insurance and Legacy Planning and planning for the unexpected circumstances of life!
Caleb Westall:
Welcome to How To Money with Cole and Kole.
Kole P:
I'm Kole.
Cole J:
And I'm Cole.
Kole P:
We coach people every day on their money and how to plan for the future.
Cole J:
As financial advisors we're here to have an honest conversation and educate you on how to money intentionally and passionately to hit your money goals. And we'll throw in some sports stocks along the way.
Kole P:
Our mission and goal of this podcast is to improve your money journey and help you create the financial life you deserve.
Cole J:
So let's talk money.
Kole P:
And sports.
Caleb Westall:
Hello. Hello. Hello. Welcome back to How To Money with Cole and Kole. I'm your host, Caleb Westall with Spin Market as always and I'm joined by the stars of the show Kole with a K and Cole with a C.
Kole P:
Stars of the show?
Caleb Westall:
Yeah.
Cole J:
Yeah, I know. That's flattering.
Caleb Westall:
Yeah.
Kole P:
Thanks, Caleb.
Caleb Westall:
Got to do my best.
Kole P:
Feeling very important today, Cole.
Caleb Westall:
I know. I've got to make my clients feel good about themselves.
Cole J:
Both of our heads are getting bigger by the moment.
Kole P:
Right. Right.
Caleb Westall:
We'll still have the argument about which is spelled better, but you know what, they're both the stars of the show.
Cole J:
We've been told not to talk about that anymore.
Kole P:
Yeah.
Caleb Westall:
Oh, okay. I see.
Kole P:
That joke's getting old and that's why we're going to run it into the ground.
Caleb Westall:
I'm still going to side with Cole with a C.
Cole J:
I appreciate it, buddy.
Kole P:
Oh. Yeah.
Caleb Westall:
Hey, no problem. When your name starts with a C, you have to pick the C.
Cole J:
Yep.
Kole P:
Yeah.
Caleb Westall:
It's been two weeks since we talked about retirement and we talked about how the Masters happened and Cole with a C picked the second place finisher, but also Kole with a K picked the NCAA champion. As you're listening to this, it is May 17th, or later, depending on when you hear it. Today, as we record, this is April 18th, so any sports talk you hear just know that we're talking a month ago because...
Kole P:
We're not dumb. We just...
Caleb Westall:
We don't know yet.
Kole P:
We don't know what's in the future.
Cole J:
Yep
Caleb Westall:
Yeah.
Cole J:
Wish we had those powers.
Kole P:
Right.
Caleb Westall:
Yeah. Right? That'd be nice. Let's see here, coming up is the NFL draft.
Kole P:
Yeah. Yeah.
Caleb Westall:
I know my Panthers have a good pick, but I don't really care anymore because they're just bad.
Kole P:
Yeah.
Cole J:
Mm-hmm (affirmative).
Caleb Westall:
It's just how it goes.
Kole P:
Let's talk about the Steeler situation. They've got an interesting situation. Dwayne Haskins passed away.
Cole J:
Yeah. Crazy.
Kole P:
Yeah. Cole Jass. He's a huge Steelers fan and they got Mitch Trubisky. Ben Rothlesberger retired.
Cole J:
We've got a quarterback question mark, I would say, so who knows? That's... we'll see, the drafts coming up. I know. Or no, I guess we're in the rear. When would the draft be, based on the podcast?
Caleb Westall:
Today, the draft is coming up.
Cole J:
Yep.
Caleb Westall:
When they hear this, it'll be in the rear view.
Cole J:
Next time we record and we're on air here, we'll know whether the Steelers... But I think we'll probably take us a quarterback. I'll be curious to see what happens there. Crazy. Sad, sad story there going on.
Caleb Westall:
Yeah.
Cole J:
It's kind of relevant, too, not that I want to transition out of our sports talk at all, but relevant for our topic today too, the unexpected. One other thing maybe kind of going on that will be relevant for our listeners is Mother's Day, right?
Caleb Westall:
Yeah.
Cole J:
Right.
Caleb Westall:
Happy Mother's Day.
Cole J:
Happy Mother's Day to all the mothers out there, even though it's ahead of time.
Caleb Westall:
Yeah.
Kole P:
Yeah, absolutely. Yeah. Happy Mother's Day, Karen, my wife? My mom, Karen. My wife, Molly. Both great mothers and I appreciate them both a lot and I know that Cole's got-
Cole J:
Yeah, got Chelsea. My wife, amazing mother. My mom, Christy and my stepmom, Heather, all amazing, great impacts in my life. Along with all the other moms that we can't mention on here.
Caleb Westall:
Yeah.
Kole P:
Yeah, I want to own-
Caleb Westall:
Happy Mother's Day to my mom, Laura.
Kole P:
Oh yeah.
Caleb Westall:
She's an awesome mom.
Cole J:
Does she listen to the podcast? Will she listen to the podcast?
Caleb Westall:
Not this one or the one that-
Cole J:
Darn it!
Caleb Westall:
Spin Market does, but she might listen to certain ones.
Cole J:
Yeah.
Caleb Westall:
This is not up her alley.
Cole J:
Yeah.
Kole P:
I also want to say happy Mother's Day to all the mothers at our office too, at Central Financial Group. We have many women that work there. Angie, Bailey, Emily, Kirsten.
Caleb Westall:
Don't forget anybody.
Kole P:
I know!
Cole J:
I know. That's always downfall when you start saying names, right?
Caleb Westall:
Yeah.
Kole P:
Yeah, I know.
Cole J:
It leaves someone off that...
Kole P:
All the mothers at Central Financial Group, happy Mother's Day and thank you for all that you do. I know that my life would never be the same without my mother or my wife. I don't want to trade places with them. They do way more-
Cole J:
Yep.
Kole P:
Than I do. I'm a bum compared to them. I just want to say-
Cole J:
Brownie points. Cole's trying to get the brownie points.
Kole P:
Yeah. There you go. Just want to say thank you and we do appreciate all the mothers in our life and thanks for bringing that up, Kole.
Caleb Westall:
Yeah, Definitely. Happy Mother's Day to everybody out there. I know coming up is Father's Day and Father's Day weekend brings the US Open for the golf tournament.
Kole P:
Yeah. Yeah.
Caleb Westall:
One of the other really big ones every year.
Kole P:
Not my favorite golf tournament.
Cole J:
No I'm not-
Kole P:
Masters is much better and I actually enjoy the British Open a lot better. You get up at 5:00 AM and it's on.
Cole J:
I was just going to say that I love the British Open purely because of the time difference. It's like you wake up in the morning, first thing you flip on it's Tigers playing number nine or something.
Kole P:
Yeah.
Cole J:
But did come out today, actually Phil and Tiger are both committed to play the US Open.
Kole P:
Yeah.
Cole J:
So at this point they're scheduled in to play. Who knows what happens? I'm sure that'll be a big thing, especially with all the craziness of Tiger's life the last 18 months. But then Phil's had some controversies himself. Having them both-
Caleb Westall:
Yeah.
Cole J:
Back in action should be probably pretty fun.
Kole P:
You remember when Tiger was going through his run and the big question was, would you take Tiger or the field?
Cole J:
Yeah.
Caleb Westall:
[crosstalk 00:05:50]
Kole P:
Right now I think it's would you take Scottie Scheffler?
Cole J:
Yeah.
Kole P:
Or would you take the field? Cause I might take Scottie.
Cole J:
That's crazy. I mean, he's just playing-
Kole P:
He's hot.
Cole J:
Yep.
Kole P:
It's like he can't miss.
Cole J:
Yep.
Kole P:
It's unbelievable. I mean the only putts missed were on 18 of the Masters with a-
Caleb Westall:
Yeah, yeah. That's crazy.
Kole P:
Four stroke, five stroke lead. It didn't matter.
Cole J:
Yup.
Caleb Westall:
Yeah.
Kole P:
I mean the guy has been on fire.
Cole J:
Wish I knew what that felt like.
Caleb Westall:
I saw something that said Scottie Scheffler was by far the fastest person to be number one in the world and to ever win one of top tournaments or something like that. Or maybe it was just the Masters, but...
Cole J:
He already has more career winnings, I believe, than Jack Nicholas ever had.
Kole P:
Yeah, it's like Jack Nicholas-
Cole J:
And dollar amount, that's how much they're making now.
Kole P:
Right.
Cole J:
There's multiple legends that he already has more and he's been on the tour three years maybe.
Kole P:
You think Scottie ever writes Tiger notes and be like, "Thanks, Tiger."
Cole J:
Yeah, no doubt. They all got to, even-
Kole P:
Because you know, They all are making way more money than they would of if-
Cole J:
Even Phil has clashes with Tiger, but he still is like, "Hey Tiger monetarily changed the game."
Kole P:
Oh yeah. Absolutely.
Cole J:
You can see that with these guys now and some of the purses that they have, it's unbelievable.
Kole P:
Yep.
Caleb Westall:
Yeah. Talking about big money salaries for sports players, talking about free agency in the NFL?
Kole P:
Oh yeah.
Caleb Westall:
You're seeing guys like Devonte Adams went to the Raiders and he like got one of the biggest wide receiver contracts ever.
Kole P:
Right?
Caleb Westall:
Him and Tyreek Hill.
Kole P:
Two days after they signed Aaron Rogers, the biggest...
Caleb Westall:
Yeah.
Kole P:
Quarterback contract ever.
Caleb Westall:
Yeah. They had to trade-
Kole P:
And they trade Devonte Adams to the Packers, which they had to, they couldn't keep him under... They wouldn't be under the cap. They had to, and I would assume Rogers knew that going into it.
Cole J:
Yeah. Had to of.
Kole P:
Had to of.
Cole J:
It's crazy to see the numbers.
Caleb Westall:
They were originally going to franchise tag him. Then he was like, "I want my money. I want out."
Kole P:
Yeah.
Caleb Westall:
So they traded him.
Kole P:
Because he probably would have sat out. Yeah.
Caleb Westall:
Him and Tyreek Hill both got huge bags.
Kole P:
Mm-hmm (affirmative).
Cole J:
Who's your NFL team, Caleb?
Caleb Westall:
Carolina Panthers. We don't talk about that.
Cole J:
I knew that.
Caleb Westall:
Yeah. Yeah. We've got our own quarterback drama.
Cole J:
Yep.
Kole P:
Yeah.
Caleb Westall:
I heard team-
Kole P:
You got Gus running back in the league, but...
Speaker 1:
Yeah, if he can stay healthy.
Cole J:
Yeah.
Kole P:
Right. That's true.
Cole J:
He's kind of getting to that age where he's been around four or five years now and it gets tougher to be running. You see they, in about three good years or so.
Caleb Westall:
Yep.
Cole J:
And then age and the beating...
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
Takes a toll on them.
Caleb Westall:
Derrick Henry's been the exception.
Kole P:
No.
Cole J:
Yeah. Yeah. He's-
Kole P:
He got injured last year though.
Cole J:
Specimen though.
Caleb Westall:
It's true.
Kole P:
Yeah.
Caleb Westall:
I heard today Baker Mayfield is potentially going to Carolina and I was like, "I'm just going to emancipate my Carolina Panthers fan."
Cole J:
Good luck.
Caleb Westall:
Give up.
Kole P:
Oh boy.
Cole J:
Good luck.
Kole P:
Yeah. So we've talked about your Steelers.
Cole J:
Yep.
Kole P:
Talked about your Panthers a little bit. How about my Broncos? Russell Wilson?
Cole J:
Yep. Yep.
Kole P:
Come on, man.
Cole J:
I got a bunch of buddies that are really big Broncos fans. Along with Cole, I know more about the Broncos than the fans or the viewers of the podcast would ever want to know. So I-
Caleb Westall:
I heard-
Kole P:
I had not seen it at all. A client of mine walked in. He's like, "You got to be happy." And I'm like, "Happy about what?" He's like, "You haven't seen the TV, have you?" I was like, "No, I haven't been on my phone all day." And he is like, "They signed Russell Wilson." And I was like, "What?!"
Caleb Westall:
Yeah.
Kole P:
I was so excited.
Caleb Westall:
I watched this guy and he said, "The Broncos are a quarterback away from being in the Super Bowl Bubble."
Kole P:
Yeah.
Caleb Westall:
Now they've got the quarterback, we'll see if they're actually in the Super Bowl Bubble.
Cole J:
See where the hype goes.
Kole P:
Yeah.
Caleb Westall:
Yeah.
Kole P:
I mean, just like the-
Cole J:
It's tough to perform.
Kole P:
Just like the Rams did last year though. I'm not saying that the Broncos going to win the Super Bowl this year, but they did have the number one defense in the League, which you need to win Super Bowls.
Cole J:
Yep. Yeah.
Kole P:
And they had poor quarterback play, so we'll see how it goes.
Caleb Westall:
Yeah. It'll be interesting. I just know that my Panthers is going to be bad again and what's new? So...
Kole P:
Unfortunately not a whole lot.
Caleb Westall:
Yeah.
Cole J:
Yeah.
Caleb Westall:
But you know what? It's fine. There's greater things in life than football.
Kole P:
Yeah. That's for sure.
Cole J:
Not many.
Caleb Westall:
Like life insurance. Our topic for today.
Kole P:
Life insurance. Yeah.
Cole J:
Yeah. Life insurance man. Switching gears a little bit. That's...
Caleb Westall:
Yeah.
Cole J:
A big piece of the puzzle and for people's personal financial pictures, and I would say we've got someone that's got a pretty wide scope of knowledge in the life insurance arena. Right, Kole?
Kole P:
I don't know who you're talking about. Someone else coming?
Cole J:
Someone else coming, is it Caleb?
Speaker 1:
I'm going to defer to Kole with a K here on this one.
Cole J:
Yep. Me too. Kole with a K.
Kole P:
Yeah. Yeah. I do dive into life insurance a lot with people and because A, I think it's super important at all different age brackets for different reasons. When you're young like Mr. Cole Jasky over here, I would still consider myself somewhat young. I have young children. When you're younger, like us, you're looking at... you have a wife and you have kids and you got to have that protection that if you don't have, especially when there's different levels of what people need based on how much money they make, how dependent they are on their income. If someone has a stay-at-home mom or stay-at-home dad and the other person makes... They have to be more heavily insured, things like that. So there's not one answer for everybody. That's the biggest thing about life insurance. Everyone's like, "How much life insurance do I need?" I'm like, "How much money do you make? How much do you depend on that money you make?"
Cole J:
"What do you want to use it for?"
Kole P:
What do you... Yeah.
Cole J:
There's different things that can be used for, I think that's a...
Kole P:
Mm-hmm (affirmative).
Cole J:
Common misconception. It's only used for one thing where in all reality, there's a lot of different options based on, the individual. I think this is something we harp at, but each person's different and I think that's the thing. Each plan's customized. We look at your retirement plan that way, we look at the protection needs or the life insurance needs.
Kole P:
Mm-hmm (affirmative).
Cole J:
There's multiple strategies and multiple things. It comes down to what the client's really looking for.
Kole P:
Yeah. It can fit into your financial plan in many different ways.
Cole J:
Yep.
Kole P:
The main way is income replacement. I would say for the younger crowd, obviously.
Cole J:
Yep.
Kole P:
The older crowd, I would say that it fits more into either cash accumulation or getting that long term care part taken care of. There's two main types of insurance. When we get into insurance, there's term insurance, which is really insurance. When you think of term insurance, think of your car insurance.
Cole J:
Yep.
Kole P:
In term insurance, if you don't die, which we all hope you don't, but if you don't die, then there is no benefit. There is no cash balance there isn't... You're purely using it for insurance. Just like your car insurance. If you don't file a claim you don't get that money back.
Cole J:
Yep.
Kole P:
At least I don't. Do you get the money back, Cole?
Cole J:
No, I wish I did. I always compare it, I think this is a simple example, I compare it to renting your house versus owning your house. Right? You pay your rent, you got to live where you want, same thing with term, you pay your rent, or you pay your premiums. Same thing with your car insurance, you get it. You pay your mortgage, right? Some of that goes to equity, some of that goes down to pay down the debt. Same thing in a cash value, life insurance policy.
Kole P:
Yep.
Cole J:
Some goes to pay the premium. You have the life insurance, some goes to a cash value bucket. That's kind of an easy way that... We're going to talk a little bit about both buckets there, but that's an analogy I've used and resonated with me anyways, when I was learning about the difference and different strategies of both.
Caleb Westall:
How soon do you think people should start worrying about life insurance? Because there's two things I have... How soon, I've always thought of it as it's in case I die, but you've already touched on it.
Kole P:
Mm-hmm (affirmative).
Caleb Westall:
How soon and what are the good benefits of it other than having it in case somebody dies?
Kole P:
Let's talk about the "in case you die" situation first. Okay. When do you need it in case you die? Basically, it's when other people are dependent...
Caleb Westall:
Mm-hmm (affirmative).
Kole P:
On you for income or for you to provide something for their life. So I use our situations as far as having a wife or a husband that either... One stays at home or one doesn't or both of them work, either way they're depending on each other. Right?
Caleb Westall:
Yeah.
Kole P:
A lot of times what triggers people needing life insurance is they get married.
Cole J:
Yep.
Kole P:
They have kids, they maybe accumulate debt, buy a house. There's different reasons that you would get life insurance, but that's really what you got to think about. If I was gone, how would that impact other people in my life? If you say, "it wouldn't." Then you don't really need life insurance...
Cole J:
Yeah.
Kole P:
I guess. Most people, it would impact somebody's life if they were gone.
Caleb Westall:
Yeah.
Kole P:
Not only they would be sad, but financially they would be impacted is what I'm talking about.
Caleb Westall:
Yeah.
Cole J:
You're an example of it, right? You're starting to make a step in your life or getting married soon. I don't know how long...
Caleb Westall:
Yeah.
Cole J:
But getting married. Then you guys will look at buying a house or something where you guys have shared assets now and maybe you buy that house based on both of your incomes. But what happens if one of your incomes goes away?
Caleb Westall:
Right.
Cole J:
That's where you start looking and putting the pieces together of saying, okay, that's how we back into roughly the amount you'd want. There can be other goals and objectives tied to that, but that's generally where we start.
Kole P:
Yeah. Really we're talking about insurance in general. But Kole, let's dig deeper into what term insurance is.
Cole J:
Yeah.
Caleb Westall:
Yep.
Kole P:
Because this is something that I'm a really big proponent of, especially for younger people, like a Caleb. So... yeah.
Cole J:
Yeah. Term insurance is basically what it sounds like. You're buying insurance for a set period of time. Most generally it's anywhere from five to 30 year durations. A couple things that I would say that go along with the term insurance versus the other types, generally, it's going to be relatively cheaper because you're not buying it forever. You're buying it for a set period of time. There's a lot of flexibility as you get further on and make changes to the other types of life policies, but generally that's the first step for someone, a lot of times is to get a term policy or something that covers income needs, maybe debt, whatever might be at a relatively lower cost. Back to the age based thing too, is when and how much? All that stuff. A lot of times, your age, Caleb, for example, you're the healthiest you're probably ever going to be at this age. Right?
Caleb Westall:
Yeah.
Cole J:
Insurance wise, you're the cheapest to insure...
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
At this point, so that's where it's a smart thing, as you're hitting those checkpoints in life, it's something that should be in your starter pack or something to think about like, "Hey, what are the one or two things that I should look at as I'm getting married, starting a family, buying a house." Looking at term insurance or some type of life insurance at a young age is something that's probably very important.
Kole P:
Yeah. Because term insurance can be very, very affordable.
Cole J:
Yep.
Kole P:
Even for a $500,000 policy, it can be a couple McDonald's meals a month. it's really not that expensive.
Cole J:
Yep.
Kole P:
But the major downfall is that you're putting this money into...
Cole J:
Yep.
Kole P:
Your car insurance and you don't get that money back unless something happens to you, then your loved ones, get it.
Cole J:
Yep. You stop paying it. Most of the time it goes away.
Kole P:
Right.
Cole J:
There are some nuances and features where it doesn't. Shifting gears a little bit, there's all different types, whole life, universal life, variable life, talk to us Kole a little bit about the other side. We got term.
Kole P:
Yeah.
Cole J:
Talk a little bit more of the cash value side, and there's a lot to that, but...
Kole P:
Mm-hmm (affirmative).
Cole J:
Give us a summary of that.
Kole P:
Yeah. Term insurance is the rental insurance, the other insurance is called permanent insurance. Along with permanent insurance, just like there's many different types of term insurance, there's many different types of permanent insurance. Permanent insurance is probably the most common people have heard of his whole life. They pay a premium for the whole life. They got the life insurance for as long as they pay the premium, they got it their whole life. Then there's universal life, which is probably the most commonly sold right now.
Cole J:
Yep.
Kole P:
Because whole life is more on the expensive end, universal life is a little bit cheaper and a lot of them are based on indexes. Universal life, you're putting money into it. Let's just say the premium is $100 a month. Maybe $80 of that goes into the investment account and $20 goes to pay the actual insurance part of it. You're getting a cash accumulation. You're going to eventually 10, 20, 30 years down the road, you might still have all that insurance. Say you have $500,000 worth of insurance, but you're also going to be maybe have $20,000 in a cash bucket that you can borrow off of. You can do whatever you want with at that point.
Caleb Westall:
Gotcha. With the insurance thing, there's the different types, but what would you say... How does someone determine... You said, it's about your age. For someone like me to go universal versus term now, is there a reason that you should go one or the other now? You said it's cheaper to do term, but is there big benefits of going universal with the cash bucket now?
Cole J:
The major differences between a universal life or a cash value life and term, right? There's the universal life. There can be changes and it has more flexibility, where the term's a flat set. It is what it is. After you get approved, that's what it is. It depends on your strategy and what you're looking. I would think Cole would agree with me, with this. With younger people, we're generally going to try to get term insurance really cheap, get you covered to the points of like, "Hey, income replacement, my mortgage, my car payment." Whatever it might be, whatever the things we want to cover and try to get you to use more of an investment vehicle, like a Roth IRA or, or something on those stance.
Cole J:
You only have so much money to save.
Caleb Westall:
Right.
Cole J:
The problem of getting into the universal life or the whole lifes, they take some money.
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
You got to be in their commitment. There are great vehicles and have a lot of benefits to them, but when you're trying to invest and do some of these things on a budget, sometimes it can be a little tighter to where it doesn't make as much sense at this point with someone's when they're at their lower end of their earning years.
Caleb Westall:
Gotcha.
Kole P:
Yeah. I know we say this very frequently, but it varies-
Cole J:
Yeah it's hard.
Kole P:
With every person. I might have a 20 year old that I would recommend-
Cole J:
Yep.
Kole P:
A universal life policy for, and then the next 20 year old that comes in, I'd only do term with them.
Cole J:
Yep.
Kole P:
Budget, how much they're looking to invest, how much they're wanting to get covered, what's their parents' health history, grandparents' health. There's a lot of different things that we go through to determine what is the right life insurance just like we do for the right investment products. It isn't something that every person gets the same thing.
Cole J:
Yep.
Kole P:
So, yep.
Caleb Westall:
I think with that, we're going to take a quick break and then we'll come back and keep talking about life insurance. We're going to hear a word from our production team as always, Spin Market in Fort Dodge, Iowa.
Speaker 1:
This podcast is produced by Spin Market and Digital.
Caleb Westall:
Located in Fort Dodge, Iowa, Spin Market's highly skilled team can help you increase your market by updating your website, improving SEO, designing advertisements, and producing podcasts that will grab the attention of your market.
Speaker 1:
Contact Spin Market today for all your digital marketing needs. At digital agent @spinmarkket.com or call us at, (515) 302-8026. To learn more, visit our website at www.spinmarkket.com
Caleb Westall:
That's digital agent @spinmarkket.com or (515) 302-8026, or visit our website www.spinmarkket.com.
Caleb Westall:
Welcome back to How To Money. Thank you to Spin Market for all the work they've been putting into this for...
Kole P:
Yes.
Caleb Westall:
How To Money with Cole and Kole. We've been talking a lot about life insurance from a younger perspective. Term insurance.
Kole P:
Mm-hmm (affirmative).
Caleb Westall:
Someone my age, but switching, someone like maybe my grandparents, they're a little bit older. They don't have kids in the house anymore.
Kole P:
Right.
Caleb Westall:
Both of my grandparents are retired.
Kole P:
Mm-hmm (affirmative).
Caleb Westall:
Well then why should they have life insurance?
Kole P:
Yep.
Caleb Westall:
Kole, what do you think?
Kole P:
There's really two main reasons that someone in their later years would have life insurance. First one is called hybrid life insurance and it's a universal life product. I don't want to get too big in the weeds, but the meaning of the hybrid product is that, it's life insurance. If you pass away, it has a death benefit attached to it. If you don't pass away and go to a nursing home facility or need some sort of long term care, even home daycare or home care, adult daycare, whatever sort of care you need. There are hybrid policies that allow you to use that death benefit. Let's just say the death benefit is $500,000. If I go to a nursing home and I need $50,000 a year to help supplement my care, I can take it out of that hybrid policy, take it out tax free, and now I can have it for 10 years if I happen to be there. Then yes, the death benefit would be at zero, but at the same time, I got to use all that money tax free. There are reasons for people to have life insurance later in life. It's got more facets of why you would do it than just the simple term insurance. Like, "Hey, if I die, I want my family to be covered there."
Caleb Westall:
Mm-hmm (affirmative).
Kole P:
Long term care insurance is a thing of the past too.
Caleb Westall:
Yeah.
Kole P:
That's something that we don't really talk about much anymore with people.
Cole J:
There's very few companies that are even offering it anymore.
Kole P:
Yeah.
Cole J:
So the traditional long term care has really... It's transitioned to the hybrid products where that's more where people are getting some of their coverage or their exposure to long term care insurance is through some of these hybrid life policies.
Kole P:
Yeah, and the traditional long term care from 20 years ago that was being sold door to door, to every person that in Iowa, Nebraska, wherever is by the wayside.
Cole J:
Yep.
Kole P:
It's not something being sold anymore. There's many, many reasons, but mainly because premiums are rising really highly on those. And then the amount coverage...
Cole J:
Yep. Cost of care has gotten-
Kole P:
Cost has gotten too crazy expensive that they don't keep up with it. Getting off topic there, but as far as the long term care writers on life insurance, that would be a reason that people would get something later on in life, as far as life insurance goes. Another reason is for legacy planning, and Cole, I know that you've done this with several different people.
Cole J:
Yeah.
Kole P:
Talk to us through that, how that works.
Cole J:
Yeah. All these universal life or different cash value type policies, right? They can have multi goals or many different uses, but legacy planning is a big one I would say. I'll just give an example as say, mom and dad, they're 70 years old and they've got a million dollars in their stock account and a million dollars in their retirement account. They got a million dollars of insurance. They maybe want to spend down all their cash. All their cash use, that's where all their money's coming, knowing, "Hey, we're going to leave the kids this million dollar tax free life insurance." Because that's one big benefit of life insurance proceeds. When someone does pay away, the death benefit is a tax free benefit versus, maybe that stock account that would have some type of... Or retirement account that would have some type of tax implications for the heirs.
Cole J:
That's something there. It can be used. I've seen it in the agriculture world where it can be used more as an equalization where you got a brother and sister, brother farms with dad, mom, sisters not involved in the farming operation, maybe brothers getting the land, sisters getting life insurance proceeds.
Kole P:
Yep.
Cole J:
Same thing. That's an equalization, somewhat of a legacy tool. I've seen people leave death benefit proceeds to charities, or maybe they're a big fan. They want to leave money to Iowa state or Iowa or whatever it might be. They'll, they'll make the university a beneficiary of their life policy. It's part of their giving strategy or legacy strategy is when they pass away. That policy is going to be shared to that charity or university or whatever someone chooses.
Kole P:
I think it's important for us to explain legacy planning. We use that term a lot and I think people maybe have heard that before, but really we're talking about passing money down a generation.
Cole J:
Yep.
Kole P:
How do we get that money to the next generation? What we're talking about with life insurance is how do we get that tax efficiently to them or tax free when it comes to life insurance? Legacy planning is how do we get that money passed down to the next generation in the best way possible.
Caleb Westall:
Makes sense. It's planning for the future in a much different way.
Cole J:
Yep.
Kole P:
Mm-hmm (affirmative).
Caleb Westall:
Instead of me planning for my future, I'm planning for my kid's future or whatever it could be.
Kole P:
Right. Right.
Cole J:
Think of the three stages-
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
Of financial planning be like accumulation. Then you flip to maybe retirement and spending, and then you get to a third step, which is legacy planning or the transitioning of your wealth to the next generation. We're kind of talking...
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
With the legacy strategy, be the back half of that third stretch.
Caleb Westall:
Yeah. There's one other thing, you guys had mentioned this off before. Somebody like your wife, who... Let's say you own a business, you own a financial business.
Kole P:
Right.
Caleb Westall:
And something happens to you but your wife doesn't want in on it, in any way.
Kole P:
Right. Right.
Caleb Westall:
How does life insurance mix into a business side of things, not just for you personally, but your business?
Kole P:
Yeah. That's the example that I was talking about with Cole Jasky earlier, is like, "My wife doesn't want to-
Caleb Westall:
Yep.
Kole P:
Do my job. So if I pass away, someone else has to do my job." Talk a little bit about how that works.
Cole J:
Yeah. Generally we'll see that with a buy sell, say you have a partner, I'm just giving example, a partner in a business where it's 50/50. Most generally there'll be a buy/sell document for that business that just says, what happens if one of the other want to leave...
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
The business? How does that work? That's just put some stuff in writing, but a lot of times we'll see is what happens if something unexpectedly happens and they didn't really get to make that decision. That's where life insurance generally, we'll fund life insurance. Each owner will buy life insurance policy on each other with the sole purpose being, if something happens to one or the other, those funds are then used to buy out the existing spouse or whoever would be inheriting that business owner.
Caleb Westall:
Mm-hmm (affirmative).
Cole J:
They can afford then to keep full control of that business and you're not forced into a business partnership or someone that you don't want to. Or if you have multiple owners, there-
Kole P:
Mm-hmm (affirmative).
Cole J:
Could be four or five owners where it's quite complex and likelihood of something happening unfortunate. You got to have some of that in place. Otherwise, when you don't have the plan in place, a lot of times you got to sell the business or something happens where the money's not there and there's a lot of issues.
Caleb Westall:
Mm-hmm (affirmative). It's all about keeping things from going to chaos if something were to happen.
Kole P:
Right.
Cole J:
Planning for the unexpected, right?
Caleb Westall:
Yeah.
Cole J:
That's the morbid part about it.
Caleb Westall:
Yeah.
Kole P:
Yeah.
Caleb Westall:
Life insurance is one of those tough topics because you know that if stuff have to get used, then something happened.
Cole J:
Yeah.
Kole P:
Yeah.
Caleb Westall:
It's like...
Kole P:
Unfortunately we do see it.
Cole J:
Yep.
Kole P:
When they don't have a plan in place, it does get pretty hectic.
Caleb Westall:
Mm-hmm (affirmative).
Kole P:
Where it's not something that is easy to solve because... Basically somebody has to write a big check or that person that wasn't in the business, the spouse, has to start running a business that they maybe don't know a whole lot about.
Caleb Westall:
There was a business in town that that happened to recently. The owner passed away and wife or daughter or something like that ended up having to take control of it and the business shut down within six months.
Kole P:
Yeah.
Caleb Westall:
It was crazy.
Cole J:
Yep.
Kole P:
Yeah.
Caleb Westall:
Just recently. You see that happen.
Kole P:
It happens more in small business owners because the small business owners put their whole life into that.
Caleb Westall:
Yeah.
Kole P:
They are the only ones that can really run the company that way.
Cole J:
It is, it's a tough thing, planning for those contingencies of that and that's where having something in place and making that decision and just, "Hey, I want to make sure that at least there's..." Because ultimately the life insurance will come and there'll be dollars there to help buy some time too, right?
Kole P:
Right.
Cole J:
For a spouse to get things figured out, whatever it might be versus not having anything there, the bills don't stop. Things keep going on, businesses keep going.
Kole P:
Mm-hmm (affirmative).
Cole J:
It puts people in positions where they're forced to do things where they can't make the right decision, they're forced to do one thing. That's where planning ahead. You can plan for some of that. You can't plan for everything, but it can definitely help if something crazy happens unexpectedly.
Kole P:
Hopefully avoid some of the chaos and heartache because of it.
Cole J:
Yep.
Kole P:
Right. Right.
Caleb Westall:
Well that's about all the time we have for this episode. Thank you all again for listening. Of course, we couldn't put on a podcast without listeners. I appreciate everybody who's tuned in to listen. I hope we give you that. They, I shouldn't say we, because I'm not giving any insight in this, but I hope Cole and Kole gave some good insight to you on why life insurance is important and I hope you join us again next time. It'll be almost time for the US Open after Mother's Day and football season will be only a couple months away.
Kole P:
Yes.
Caleb Westall:
I'm sure they'll have some more sports talk next week and whatever financial topic we have and we'll go from there, Kole with a K, where can they find you on social media?
Kole P:
They can find me at Kole, K O L E CFG on Facebook. They can find me on Twitter, Instagram and LinkedIn. Go Cubs.
Cole J:
They can find me on... Let's see LinkedIn and Facebook at Cole with a C, C O L E CFG. I'm still working on my closing here, but signing off, Cole J.
Caleb Westall:
Okay. You can find Central Financial Group's website, www.centralfinancialgroup.com. You can follow them at Central Financial Group on Facebook, LinkedIn, Instagram, Twitter and you can find the landing page for the Fort Dodge area where Cole and Kole are from @cfgfortdodge.com. This has been another great episode of How To Money with Cole and Kole. We will see you all next time.
Kole P:
Yeah. Yeah.
Caleb Westall:
You've been listening to How To Money with Cole and Kole, the podcast of the Central Financial Group, courtesy of Spin Market. Learn more about the Central Financial Group on their website, www.centralfinancialgroup.com.
Kole P:
For now, I'm Kole.
Cole J:
And I'm Cole.
Kole P:
And we'll see you on the greens.
Caleb Westall:
Securities and investment advisory services offered through Royal Alliance Associations Incorporated. Member F I N R A S I P C Royal Alliance Associations Incorporated is separately owned and other entities and or marketing names, products or services referenced here are independent of Royal Alliance Associations Incorporated. Material discussed is meant for general informational purposes only and it is not to be construed as tax, legal or investment advice. Please note that individual situations can vary, therefore the information shouldn't be relied upon when coordinated with individual professional advice, past performances. No guarantee of future results. Diversification does not insure against loss. Any guarantees discussed refer only to fixed insurance products and are backed by the financial strength and claims paying ability of the issuing insurance company.
Thanks for listening to episode 3 of How to Money with Kole and Cole. On today's episode we are going to be discussing different retirement funds including IRAs and 401K's. We hope you enjoy!
Caleb W: Welcome to How to money with Kole and Cole. Kole P: I'm Kole. Cole J: And I'm Cole. Kole P: We coach people every day on their money and how to plan for the future. Cole J: As financial advisors, we're here to have an honest conversation and educate you on how to money, intentionally and passionately to hit your money goals. And we'll throw in some sports talk along the way. Kole P: Our mission and goal of this podcast is to improve your money journey and help you create the financial life you deserve. Cole J: So let's talk money. Kole P: And sports. Caleb W: Hey, how's it going, everyone? Welcome back to How To Money with Kole and Cole. I'm your host, Caleb Westall here today with Spin Markket, and I'm joined by Kole Petersen and Cole Jaeschke. Kole P: What's up, Caleb? Cole J: What's going on? Caleb W: We are here with the How to money with Kole and Cole show episode three. Kole P: Yeah, episode three. We're on our way.| Cole J:Yeah, we are. Kole P:We might get to 10 or before they fire us, but we'll see.
Caleb W:
Yeah, well, you got to commit to doing 12. So...
Kole P:
Oh, okay. All right.
Caleb W:
You're stuck with that.
Cole J:
Is that the number?
Caleb W:
That's the number. If you do it, you got to do 12.
Kole P:
All right. We'll see.
Cole J:
Awesome. Well, last time, I think we made a lot of picks actually. I don't know. I'm not as big a basketball fan as I am a golf fan, but I think I won the closest to being right for the master's pick.
Caleb W:
You picked McLeroy. You finished second.
Kole P:
We did say how hard it is to pick the winner.
Cole J:
Yeah, impossible.
Caleb W: I think Cole Jaeschke deserves some credit over there, but Kole Petersen did pick the correct NCAA tournament champion. Kole P:
Yeah, yeah, yeah.
Caleb W:
The score is one to one. Well, my Tar Heels did better than I thought they would. We're so close to winning the championship. I didn't even get... I had a crazy weekend that weekend. I didn't even get to watch the game, but I pulled it up after and it was...
Kole P:
The Monday night game?
Caleb W:
Yeah.
Kole P:
The championship game?
Caleb W:
Yeah. It was insane.
Cole J:
I was pulling for the Tar Heels just because of you actually now. I was like, "Oh, okay."
Kole P:
And it looked like at half time they've got a long way with it. I couldn't believe.
Caleb W:
I know. That was unfortunate. Peacocks did good. That was a gift from above for North Carolina to have to play the Peacocks.
Kole P:
I couldn't believe it. I wanted to [crosstalk 00:02:23]. That was crazy.
Caleb W:
Yeah, we got one to one. We'll see how this continues. I did watch. I told everyone last time. I was like, "I'm probably not going to watch any, but I'll keep up with it." I will admit, I watched about an hour of the Masters on Sunday.
Cole J:
[crosstalk 00:02:38] Hey, we're wearing on you already.
Caleb W:
Yeah, I watched. I knew it was going to be late in the day when it ended, so I watched the last hour of it. I saw that crazy shot by McLeroy from the sand trap on the last hole. So...
Kole P:
And then his playing partner made the shot right after him.
Caleb W:
I know. That was crazy.
Kole P:
It was crazy, yeah. It was fun to see Tiger back out there though.
Cole J:
Yeah, that was awesome. Long time off for him. He's kind of... I don't know what the viewership numbers were, but I bet it was pretty off the charts.
Kole P:
[crosstalk 00:03:08] They were, yeah. This was released like yesterday.
Cole J:
That's crazy. Just every time... You can just feel like the draw, even just the normal people that aren't even golf fans, all of a sudden ar talking about, "Oh, Tiger is playing," or whatever it might be. Now we just need the regular weather here in Iowa to cooperate so we can start playing.
Caleb W:
No kidding.
Cole J:
Normally, we'd played like 10 rounds, 15 rounds, but now I think I've been on like twice. So yeah, it's twice.
Caleb W:
It snowed on Easter. When does that happen?
Cole J:
I know. I know. Horrible.
Caleb W:
Yeah. I just made some golf notes because I told everyone I was just going to look at the scores. Scotty shuffler, I think... I don't know if he surprised everybody because he was number one in the world or something like that.
Kole P:
Well, he just became number one in the world. He's not like a household name.
Caleb W:
Yeah, I never heard of him.
Cole J:
Golf is so... What he's done the first half of the year though, that's very unheard of. I mean he's won almost every tournament he's played in. Generally, that's the hard thing to do is to pick the favorite or the person that on paper is like, "Oh, he should win because he is winning every tournament he's going into." That very rarely happens, so it tells you how good he's probably being at this time.
Kole P:
I looked after we made our picks last time, and Jon Rahm was the favorite. I was like, "Hmm."
Cole J:
That's crazy.
Kole P:
I didn't assume he would be the favorite, and then Scheffler obviously ran away with it, but golf is one of those funny sports. It's weird to say, but when the ball's going in the hole, it seems like an easy game. But then six months later, you can't make a four foot putt. It's one of those games that-
Cole J:
It's the most humbling thing you can go through from a sports standpoint.
Kole P:
Right when you think you have it figured out, you're shooting 65, you're shooting 72 every round, and then all of a sudden you can't break 80. It's one of those sports, man. It's crazy.
Caleb W:
Yeah. I've never ever paid attention to it, but I can tell just by the little bit I've seen that it's very up and down, like you can have good days, bad days, and it's just... I mean every sport is that way, but it feels like golf really is that way, and it's magnified because there's so many competitors that are so close. You could win and then drop to 75th and miss the cut or whatever it was. So, yeah, I saw that you had Jon Rahm. He finished tied for 27th.
Kole P:
Oh, did he? I didn't see where he finished.
Caleb W:
Yeah, I looked it up right before this.
Kole P:
That's good.
Caleb W:
I looked up right before this because I was like [crosstalk 00:05:25].
Kole P:
I knew he made the cut.
Cole J:
Solid pick.
Caleb W:
And then Tiger finished 47th, but he did go one under par on Day 1, so that's pretty good.
Kole P:
Yeah, that was exciting.
Cole J:
Yeah, that was pretty good.
Kole P:
He was in 10th.
Caleb W:
Yeah.
Kole P:
I couldn't believe it. It's awesome.
Caleb W:
I will say you both did good picking.
Kole P:
Hey, we picked together. We made the cut.
Caleb W:
Yeah. I was about to say.
Cole J:
It's half the battle.
Caleb W:
Yeah. I saw some... There were some big names that didn't make the cut.
Cole J:
Who did you guys pick to win the NCAA? I forget.
Caleb W:
I picked Duke.
Kole P:
Oh, that's right.
Cole J:
I picked Duke, too.
Caleb W:
Yeah, we both picked Duke, but...
Kole P:
Who'd they lose to? Oh, North Carolina.
Caleb W:
North Carolina. First time North Carolina and Duke have ever met in the NCAA tournament. That's crazy.
Kole P:
Yeah. That's nuts.
Cole J:
That's nuts.
Kole P:
And they met the most times out of any two teams in history, I believe. I saw that [stat 00:06:09], but never in the NCAA.
Caleb W:
Their last a hundred games going into the tournament, they were 50 and 50. They split on-
Cole J:
That's unbelievable.
Caleb W:
That number though, the thing is like I saw a stat line three years ago when Duke and North Carolina played, and their last a hundred games, they're 50 and 50. Three years later, they're still 50 and 50. It's insane. They're so even, but... See, I was a little disappointed about that, but...
Kole P:
But NCAA turnover was-
Caleb W:
Congrats to Cole on picking the closest to the masters and Kole on picking the closest on picking the champion.
Caleb W:
I think maybe we should talk some money now. I mean, that is what the name of the title is.
Kole P:
Just keep talking about sports.
Cole J:
We could always talk sports, so we better transition.
Caleb W:
I've talked about a sports podcast for a long time. I could go on a long time talking sports, but that's not why people are here.
Cole J:
NASCAR Radio with Caleb.
Caleb W:
No, it would be more than just NASCAR.
Cole J:
I'm just joking.
Caleb W:
All right. Well, I think today's topic, they emailed me this list this morning, is we're going to talk about 401(k)s versus IRAs and what is a Roth IRA versus a traditional IRA.
Caleb W:
I'll just say this. I don't really know much of anything about either one. Maybe y'all can explain to me because I kind of fit with the listener probably. I have very little knowledge on this stuff. Maybe dumb it down for me and help me understand. What's the purpose point, what's the difference, pros and cons of each one?
Kole P:
Just in general, a 401(k) is through your employer and an IRA is on your own. IRA stands for individual retirement account. 401(k), why do they call it a 401(k)? I don't even know.
Cole J:
I don't know. Probably with one of the...
Kole P:
The tax rules.
Cole J:
Yeah, the acts. One of the acts that were created, some reason that 401(k) was the terminology they used. I don't know why. Because IRA is [crosstalk 00:08:04]
Kole P:
Two guys that are taking 17 securities test [crosstalk 00:08:08] why they call that 401(k). We won't worry about that. But 401(k) is at your employer. It's called the employer-sponsored plan. Your 401(k) is technically owned by your employer. They run the plan and you are just a participant. You are under their plan. You participate that way.
Kole P:
In IRA, you own the IRA yourself because it's your individual retirement account. No one else is tied to that. You have beneficiaries and everything like that, but your account is yours. That is the main between the two. They're similar, but they're different at the same time.
Cole J:
401(k) is a retirement savings vehicle. It's generally going to be under an employer, some type of a group employer. It's considered a group benefit. It's going to be something as an employee you can participate in, your employer provides it. There's generally some type of matching or maybe a profit share. A lot of different options within it, but it is something that's most commonly provided by your employer.
Kole P:
You take money out of your paycheck and you put it into your 401(k). You have different ways to go about that. But the general thing that people want to make sure that they're doing is that they're getting the employer match. A lot of employers now that we've went through the recession and the COVID and all that, mainly it's back to normal where employers are matching 401(k)s for the most part. Some suspended during that time, some didn't, but...
Kole P:
An employer is going to match part of your contribution. If I'm putting in 6% of my pay, my employer may put in 3%. If you put in zero, they're going to put in zero most of the time. That's typically how they work. If you're leaving that 3% on the... If you're not putting anything into your 401(k) when you're eligible, you're leaving that 3% just out there and you're not getting the benefit that all other employees at work are getting. That's a most common mistake, I would say, people make.
Cole J:
That's something, I'd say for, even for Caleb, our listeners, anyone, one thing make sure you're getting your employer match. Always start there. Maximize it. It's a benefit there for you. Make sure you're getting the most out of it. If it's 3%, 5%, whatever the criteria is for you to be eligible for that match, I think that'd be one little nugget you can take from the day. Make sure, everyone, just do a quick check that they're at least doing that piece.
Kole P:
Yeah. Speaking from my experience at Principal, that was the one thing that I would talk to people about on the phone and be like, "Okay, what is your employer match?" We had all the data in front of us. We would be able to tell them what their employer match, and I'd be like, "I see you're only doing 5%, but your employer will match up to 6%. If you do 6%, they'll do 3%. If you're doing 5%, they're only going to match 2%. Do you want that other percent that your employer is willing to give you as far as an employer benefit goes, and most people are like, "Oh, yeah. I didn't even know that." That's the most common mistake, I would say, I see people make with 401(k)s.
Cole J:
Let's pivot a little bit here. I'm going to kick it back to you and maybe explain the difference or what's an IRA. Let's start there versus the differences. Let's start with an IRA.
Kole P:
IRA stands for individual retirement account. As many people probably don't understand, they call it an IRA. They don't know that it actually stands for individual retirement account. There's different types of IRAs as such like there's different types of 401(k)s. We're going to talk in general terms.
Kole P:
IRA is basically another vehicle that you're putting money into that is not under an employer plan. Again, individual retirement account. It's not tied to an employer. It's something that you individually have started with a financial advisor or maybe you went online and found a company that does IRAs, but for the most part, you're starting it individually yourself. You're not filing this through an employer. There's different contribution limits to that that you have to stick to. We'll get into that a little bit, but it's something that you are investing in just as an individual person.
Caleb W:
401(k) would be a retirement plan through your employer, and IRA would be on your own.
Kole P:
Yup.
Cole J:
401(k) has a sponsor. Generally the plan is sponsored by the employer. They chose to offer that as a benefit to their employees.
Caleb W:
Got you. How are they similar and different?
Cole J:
Similarities, they're both retirement savings vehicles first and foremost. They both have... We don't get too crazy in the variations, a lot of different sides, but they both have a pre-tax where you can get a tax deduction for putting money into. Most of them have what's called an after tax contribution where you're not getting deduction, but that's called a Roth, whether a Roth IRA, Roth 401(k).
Cole J:
Those are, I would say, the two major similarities, and then also some of how the money comes out as well. There's quite a bit of similarities on that end, but without getting too crazy into the weeds, that's some broad scopes. They're retirement vehicles at the heart. That's what they were designed for was retirement-based savings.
Kole P:
Both the 401(k) and the IRA are going to take your money and all the earnings that you make on those, and they're going to defer all that until you take the money out. Unlike an individual brokerage account where you pay capital gains and dividends tax on your stocks, bonds, whatever you have in there in a retirement account, none of that is paid until you take it out. If it's in a Roth, then you never have to pay that tax on that.
Kole P:
When you're talking about retirement accounts, the major advantage of those tax deferment is that you don't have to pay that tax or that tax is forgiven in a Roth. It's forgiven because you put it after tax. That's the main thing with a retirement account, both 401(k) and IRA.
Cole J:
Let's shift a little bit to some of the differences. There's a ton of similarities, but I think one of the major differences is the contribution amounts. Between an individual retirement account versus the 401(k) account, quite significant difference. And then also the IRA account, you're not getting any employer match or employer side contribution, so that's a big piece there.
Kole P:
Yeah. The contribution limit for a 401(k) is much higher. For an IRA, you can only do 6,000 if you're under the age of 50, 7,000 if you're over the age of 50 for the entire year. That's the limit.
Kole P:
For a 401(k), you can do up to $19,500 a year if you're under 50, up to $26,000, do I have that right? $26,000 in total? It changes the numbers every year, so that's why I'm saying that with a question mark.
Cole J:
It might be $20,000 now for the... We're always in rear planning because today I know we're... This podcast will be put out a couple weeks from now, but today is actually the tax filing deadline [inaudible 00:15:34] that's kind of a topic going on where you can still... It's kind a unique thing with retirement accounts, with IRAs specifically, you can still do up until today as long as you've got the check. You can do contributions for the prior year.
Cole J:
Generally, there is some cost of living type adjustments with the amount, the limitations that you can put in those accounts. Those are based, changed periodically. Some years, they stay exact same, but that's where... We've got two different tax years. We're thinking about as advisors at the moment right now.
Caleb W:
Is there a benefit of one over the other, other than like you said, the contribution limit? I mean, for 401(k), much higher, so in that sense it would make sense for it to be that from my standpoint anyway. Is there a benefit to one over the other?
Kole P:
I would say that the major benefit of a 401(k) is the contribution limit plus you're able to put more Roth money into something like that after tax. We can get into more of that down the road, but I would say the advantage of an IRA is that in your own account, you can do with it what you want. You can invest it how you want, where the employer plan, the 401(k), you have to follow all the employer rules.
Kole P:
You're only offered the investments that the employer offers to all the different people in that plan, where an IRA has open architecture. You can do anything you want inside of an IRA. It can buy you an Apple stock, or you can buy a municipal bond. You can do whatever you want. In a 401(k), generally you don't have that option. Some of them do, some of them don't, but generally that's what it is.
Cole J:
Most of the 401(k)s, the employers design that plan or they have an advisor help them design that plan. There's anywhere from 12 to 20 investment options versus the IRA, it's almost unlimited amount of options. As many stocks as there are out there, you generally can hold about anything in a retirement account versus the 401(k). It's a little bit more structured based on... Because it's going to be offered to a lot of individuals within that plan, so it's not an open architecture type format.
Caleb W:
How you choose it would be based on just your personal needs and also just your spot in life, whatever's going on for you would be?
Cole J:
I think what's available to you. You got to think if your employer obviously is offering that and you get a 6% match, you better be saving, making sure you're getting that 6% match as well. There's there's contribution limitations and stuff to IRAs as well. If you have an employer plan, you make X amount of dollars. Again, we don't want to get into the weeds of that, but it limits people from doing IRAs sometimes if they do have an employer-sponsored 401(k) plan they can be in.
Cole J:
Sometimes you're forced one vehicle or the other based on your work situation, but that's... As far as the investment selection goes, I mean, that's purely customized for the individual. Unfortunately, that's one of the downfalls with the 401(k). It's limited based on the options the plan was designed for. But there's generally a wide variety of options still that for a younger individual or an older individual, generally the plans are kind of... They keep that in mind of like, "Hey, we've got to be able to tailor to quite a few, but still keep it somewhat simple."
Caleb W:
Makes sense.
Kole P:
Let's move on to... We've talked a little bit about Roth versus traditional. There's advantages to both, but just in general, Cole, tell us a little bit about Roth first. When we say traditional, that's pre-tax.
Cole J:
Yep.
Kole P:
That means that you're getting the tax break-up for Roth is after tax.
Cole J:
Yep.
Kole P:
Tell us the major difference between those two and why one does one over the other.
Cole J:
Generally, it's... One way I like to think of it... Are you worried about the tax break now, or do you want the tax benefit on the back end? That's the two. You start with that question, "Okay, I want it now," then you want the deduction, so you will do a pre-tax contribution to your IRA versus, "Hey, no. I don't need that deduction. I'm comfortable where I am on the tax side. I want to save and get the tax break on the back end, where then it comes out tax-free."
Cole J:
The Roth vehicle basically, just as Cole described, you get $1,000 dollars, you pay your taxes, $200 goes to the government and then you got $800 left and then you take $200 and put it into that Roth IRA. It grows tax deferred, and then if you use it after 59 and a half, all that money comes out tax-free. If you save over a 30-year window, and hopefully we do a really good job of the investment gains and make a million dollars in there, whatever it might be, theoretically, it all can be tax-free if the vehicle is used right.
Cole J:
It's purely based, I would say... Not all based on the the right now, but it's the long-term goals, and does it make sense to do one way or the other? I think that's where our job comes into play quite a bit, is talking through, along with maybe their other professionals, their tax person or their attorney, or whoever's helping them prepare their tax return on saying, "Okay, which one makes the most sense for you?" We talk through the options, and that's how a lot of times we help people dictate which direction. It can sometimes be, "Well, what do you think we should do?" It'd be nice if everyone had a big tax-free bucket. Everyone wants to make as much money as they can and not pay taxes. Well, maybe [inaudible 00:21:25].
Caleb W:
Make as much as you can, but not pay taxes? Yeah, sure.
Cole J:
No, there's probably someone listening. I don't. Not me.
Kole P:
Let's do a quick example just to kind of do this in the real world. Caleb, over here, let's say Caleb has $5,000 that he wants to put into an IRA for this year. You got your $5,000 check.
Caleb W:
I would love a $5,000 check.
Kole P:
Well, you got to give it to me for me to invest it, but you got $5,000 and you're like, "You know what? I'm going to do the responsible thing. I'm going to put this in an IRA. I'm going to call Kole."
Kole P:
"Kole, I'm going to call to open an IRA. I got $5,000. I want to do contribution. It's April 18th. You can do the contribution 2021. What am I going to put it into?" What I'm going to ask you is I'm going to go, "Okay, well, Caleb..." Although I'm going to ask you your social security number and all those things. But I'm also going to say, "Well, how much money do you make?" When I ask you, you don't have to answer that on right now.
Caleb W:
I'll make up number. I'll make $39,000 a year. Make-up number.
Kole P:
Okay. So we're going to ask you those questions, what's called suitability. We have to get to know you before we invest your money. Also, we're going to say, ""Okay. Now, do you have any reason that you would need a tax break for this year or last year? We're talking about 2021 contributions. Do you need some sort of tax break for last year?"
Caleb W:
I do not.
Kole P:
You do not. Okay. So you don't need any sort of tax breaks. You've already paid taxes on this money. It's money that's out of your checking account right now. Would you like to invest that money in a Roth IRA? Watch it grow until you need it at retirement, either at 59 and a half or past that is when you can take it out tax-free.
Kole P:
Say that 5,000 grows to 50,000. You can take all that out tax-free if you don't want to take a tax break upfront. That's how a Roth works. Now, if you made $390,000 a year and you're going to do a $5,000 contribution, and maybe you wanted the tax break now, so we put the $5,000 in, you get to write it off on your taxes, and then it also grows to $50,000. Well, then you got to pay taxes on that $50,000.
Kole P:
There's good and bad to both. Some people want the tax break now, and they'll worry about the taxes later. Some people like, "Oh, I don't really need a tax break now. I'd rather take it out tax free in retirement."
Caleb W:
Yeah. That makes sense.
Cole J:
It comes down to the individual situation too. I think that's where.... Yeah, there's a lot of rules and standards of our business, but ultimately it comes down to the goals and objectives of the client, what's most important to them. That's the thing. I think that's one of the number one things about our job is helping people define their goals to say, "Okay, well, this is based on what you're saying. This probably makes the most sense," We can give you a numbers analysis all the time, and say, "Okay, here's statistically the right answer. But ultimately sometimes that's not what's most important."
Caleb W:
Yeah, makes sense. All right. Right now we're going to take a break and hear a word from our production team at Spin Markket. When we come back, we're going to talk about how you guys fit into this picture of a 401(k) versus an IRA and all of the stuff involved with that. With that being said, here's a word from Spin Markket.
Speaker 4:
This podcast is produced by Spin Markket + Digital.
Caleb W:
Located in Fort Dodge, Iowa, Spin Markket's highly skilled team can help you increase your market by updating your website, improving SEO, designing advertisements, and producing podcasts that will grab the attention of your market.
Speaker 4:
Contact Spin Markket today for all your digital marketing needs at digitalagent@spinmarkket.com or call us at (515) 302-8026. To learn more, visit our website at www.spinmarkket.com.
Caleb W:
That's digitalagent@spinmarkket.com, or (515) 302 8026, or visit our website www.spinmarkket.com.
Caleb W:
Okay, guys, welcome back. So before the break, we were talking about 401(k)s and IRAs and just how each one works together and the different components of each one. For me, as someone who's not very educated on it, I would never be able to do any of this stuff by myself, so I would have to go to someone like you.
Kole P:
You said it, not us.
Caleb W:
I did. I would have to go to someone like you. How do you guys fit into this picture?
Cole J:
I think there can be a wide variety of ways that we can advise clients and things that come up, but I'll give a couple. There's obviously many out there, but I'm just going to give a couple of ones that are very common for us.
Cole J:
First and foremost is we get this question, am I saving enough? That's the first and foremost thing that we can really nudge people to make sure based on what they want and when they're playing a retire, when they want to retire. That's the first thing I always tell clients is, you want to have the greatest impact on your retirement plan. One of the number one things is your contribution rate.
Kole P:
And saving early.
Cole J:
Yeah, saving early, and then how much you are actually saving. That's the number one thing. You have the greatest performing investments, but if you're only willing to save X amount of dollars and you want to spend something that's far greater than that, it's not going to work even with the best investments in the world. Number one thing is reviewing your contributions. And then we got into the Roth pre-tax. We can help help there. "Okay, hey, maybe it makes more sense based on your plan to do Roth, or maybe it's a portion of the two." That's the first one.
Cole J:
Second one I would say is, especially with the 401(k), tying all the assets together. We have a lot of clients that they kind of use the clutter drawer, right? There's a lot of things. They may have an older employer account, old IRA. They have investment account from their uncle or whatever it might be. That's what we'll do is try to look at the whole picture and tie it all together, so we can paint that plan and say, "Okay, here's this account, this account, this account. How do they work together?" That's what sometimes the 401(k) clients maybe say, "That's ran by my employer." Our reality, they're still in control of some of that and got to make some of those decisions. We'll give recommendations on the funds that are available. You're still limited to the plan, what's available in there, but... Those are two, I would say, are the most common things.
Cole J:
Pivoting a little bit there, Kole, tell us about some of the misconceptions, maybe of IRAs, 401(k)s, some of the things that you've ran across or you think.
Kole P:
Like you said, your 401(k) is ran by your employer as a whole, so they own the 401(k). They do not manage your money. That is probably the number one thing people are like, "Oh, yeah, my 401(k). My employer takes care of that." They don't. They do not take care of it. You are in charge of your own 401(k). It's under their umbrella. You're in charge of putting the investments correctly, the contributions, and if you don't like doing that stuff, that's where we come into play. That's where we can help you with that stuff.
Kole P:
Although your 401(k) is owned by the employer, they don't manage it for you. You pick the investments, you do your contributions, everything like that. That's probably the number one thing that we hear. Not a misconception, but probably the number one mistake that I see people make with that also, other than the contribution thing that we talked about earlier is the investments. I've had a 30-year-old come in and he is in a 1% fixed investment inside their 401(k). I'm like, are you retiring next year that I don't know about because you need to take some risk?
Kole P:
The most general thing that I tell people is the younger you are, the more risk you can take on. The older you are, the less risk you can take on because you're getting closer to retirement. You're going to maybe use some of the money. You don't want to see a big downfall, but the younger you are, and the longer that you have to be in the market... I mean, you think of that 30-year-old, even if he was going to retire at 60, he has 30 years. You think 30 years back from right now is 1992, I had my flat top-
Caleb W:
That was the year I was born. Sorry, Kole. Sorry, there.
Kole P:
I was in eighth grade, I was wearing my high black socks. I was trying to be like the Fab Five. I had my baggy shorts on. So 30 years ago, the stock market was at $4,000. Something $4,000? Now it's at 35,000. What I'm talking about is the growth. Even though the stock market might be high right now, or whatever your conception of the stock market is right now, 30 years from now, it's going to be higher. I don't say guarantee on this podcast at all, I'm not going to say that... Most likely the stock market 30 years from now is going to be higher than it is right now.
Cole J:
I think you're making a great point for why this should be a price. Sometimes finance and personal finance retirement plan is something that people maybe just put on the back burner or like, "Oh, I'm saving and that's good enough." But you made a great point of 30 years from now, a lot can change in 30 years and that's where your plan will change. That's where I think something working with an advisor specifically or even not. Even if you're just making sure you're checking your finances once a year, your whole picture once a year, your allocation should probably change as you get it closer to that retirement.
Cole J:
That's where it's important to continue to look at that and have those checkpoints of like, "Am I on the right track or am I not?" That's where I think doing some of these things... Even if it's on an annual basis and forcing yourself. Sometimes they can be dry and you just have to forcing yourself to do it, to make sure that even if it's a 1% difference each year, that's a lot over 30 years. That's why I think we're getting that point across.
Kole P:
They're saving money and then they're saving money correctly in the correct vehicles. That's probably one of the bigger mistakes we just see in general. Two people end up with $500,000 in a money market account at the bank earning 0.1%. It's like, do we want to leave that there, or do we want to get that into something that has the possibility to grow a lot better?
Caleb W:
Yeah, that makes sense. Someone like me, 20 years old, about to get married, getting ready to...
Kole P:
Congratulations, by the way.
Caleb W:
Thank you. My life is changing a lot. I'm about to finish college, so I start thinking about the future. What is the big things for me in my position that you would say... For anybody in my position to remember about the 401(k) and the IRA and preparing for the future with this stuff?
Kole P:
All right. So do you have car insurance?
Caleb W:
I do.
Kole P:
Do you have renter's or home insurance?
Caleb W:
No. My parents do. Bad example. Sorry.
Kole P:
Do you have... What I think of is the amount that you put into your retirement account and the reason I went down that route was think of it as retirement insurance. Do you want to retire, Caleb?
Caleb W:
Yes.
Kole P:
Okay. So to do that, do you think maybe you should put some money towards that to be able to retire when you want to, or do you want to just retire whenever it happens? That's probably what I would tell someone your age is put it in there as just like your bill, just like your home insurance-
Cole J:
That's what I always say. Treat it like a bill.
Kole P:
Even if you put it on your budget as retirement insurance, I've had people do that. They just don't think of it as like that's money going into an account that I can get to or anything like that. It's retirement insurance. If you want to retire, you've got to start saving at some point, even if it's a small amount. Cole and I are big proponents of even if you're just doing 50 bucks a month or a hundred dollars a month, do something because it will build quickly.
Cole J:
And then try to... I'll just piggyback on that a little bit on an annual basis or however often you're checking on stuff, trying to increase it even just 1% or a half a percent where, as you get a raise proportionally, try to make sure your savings is also moving in that direction. I think that's an easy thing. If we've got an extra $3,000 a year, if you're not disciplined, you'll find a way to spend it. If you're like, "Hey, I got a raise. I'm going to proportionally save that same amount, you still can spend a little extra, but then you're naturally just giving yourself conditioned to that savings."
Cole J:
That's the number one thing I think is the people that we see that are in better spots and have more decisions on the back end are the ones that saved early and they also increased their savings along the way.
Caleb W:
If you think about to logically, it makes sense. The earlier you saved the earlier you could potentially retire. The more you saved earlier, thee earlier you could potentially retire.
Cole J:
Doesn't have to be that complex. Sometimes it just takes discipline. I think that's a lot of the thing. It takes the discipline to do it.
Kole P:
You don't have to make a lot of money to retire early. You just have to make those sacrifices, if you want to. Some people don't want to, which is fine. But if someone comes in to me and says, "Hey, I'd like to retire. I'm 20 years old. I'd like to retire at 55." I've set up plans for people like that. They're like, "I want to retire at 55." Okay. We've got to start doing this, this and this. If you're willing to follow that, I can show you my television screen that you will be able to retire at 55. Some of them will do it. You got to find out what's important to the person.
Caleb W:
I think that's pretty much going to wrap up unless you guys have any closing thoughts about retirement.
Cole J:
Nothing on my end.
Kole P:
Go Broncos.
Caleb W:
Go Broncos.
Cole J:
I'm a Steelers guy, so go Steelers.
Caleb W:
Okay. Well, with that being said, I think we're going to pretty much wrap this episode up. Thank you all for joining us today on How to Money with Kole and Cole. Next time, in two weeks, we'll be back to talk about life insurance. Another big one that I think probably a lot of people don't really think about as much as they should, I would guess. Where can people find you on social media?
Kole P:
You can find me on Facebook at @KoleCFG, K-O-L-E, the right way to spell it, and then I'm also on Twitter and LinkedIn.
Cole J:
Yep. I'm on Twitter and LinkedIn as well. You can also find me on Facebook at Cole, C-O-L-E, CFG.
Caleb W:
Is that the right way to spell it?
Cole J:
That is the correct way, the Cole with the C.
Kole P:
Mine is the right way. His is the correct way.
Cole J:
That's the plan. That's the continuous joke right there. We're going to get harassed for that.
Caleb W:
I'm going to keep egging this on.
Kole P:
I've got a client email me and say something about that. I was like, maybe we're hammering that too much.
Caleb W:
That's all right. If there's no jokes in it, then you lose the audience. You got to have-
Cole J:
We're both dads, so we'll call it the dad jokes.
Caleb W:
Yeah, there you go. Nothing wrong with that. So then you can follow Central Financial Group on Facebook, Instagram, Twitter, LinkedIn at the Central Financial Group. You can visit their website, www.centralfinancialgroup.com. You can visit the Fort Dodge website from there. I believe it's cfgfortdodge.com. That would be where Kole and Cole would be. Of course, find our podcast on all podcasting platforms. We will see you next time on How to Money with Kole and Cole.
Caleb W:
You've been listening to How to Money with Kole and Cole, the podcast of Central Financial Group, courtesy of so Spin Markket. Learn more about the Central Financial Group on their website, www.centralfinancialgroup.com.
Kole P:
For now, I'm Kole.
Cole J:
And I'm Cole.
Kole P:
And we'll see you on the greens.
Caleb W:
Securities and investment advisory services offered through Royal Alliance Associations Incorporated, member FINRASIPC. Royal Alliance Associations, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associations, Inc. Material discussed is meant for general informational purposes only, and it is not to be construed as tax, legal or investment advice. Please note that individual situations can vary. Therefore, the information should be relied upon when coordinated with individual professional advice. Past performance is no guarantee of future results. Diversification does not ensure against loss. Any guarantees discussed refer only to fixed insurance products and are backed by the financial strength in claims paying ability of the issuing insurance company.
In Episode 2 of How to Money with Kole and Cole, the guys talk about the history and values of CFG and what made Cole Jaeschke transfer to CFG. And for a little added enjoyment they make their Final Four picks for the NCAA men's basketball tournament.
Welcome to Episode 1 of How to Money with Kole and Cole. The Podcast of the Central Financial Group in Fort Dodge, IA. On today's episode you'll get to know Kole and Cole and their jobs at Central Financial Group
Visit our website www.centralfinancialgroup.com
Follow us on Instagram, Facebook, Twitter, and Linkedin @centralfinancialgroup
Follow Kole Petersen on Facebook and Twitter @Kolecfg
Follow Cole Jaeschke on Facebook @Colecfg
Caleb: Welcome to how to money with Kole and Cole. Kole Petersen: I'm Kole. Cole Jaeschke: And I'm Cole. Kole Petersen: We coach people every day on their money and how to plan for the future. Cole Jaeschke: As financial advisors, we're here to have an honest conversation and educate you on how to money, intentionally and passionately to hit your money goals. And we'll throw in some sports stocks along the way. Kole Petersen: Our mission and goal of this podcast is to improve your money journey and help you create the financial life you deserve. Caleb: So let's talk money. Kole Petersen: And sports. Caleb: Hello everyone, and welcome to how to money with Kole and Cole, the brand-new podcast of Central Financial Group. I'm your host and producer Caleb Westall, and I work with Spin Markket and Digital and Fort Dodge. And I'm here today with Kole and Cole. Kole Petersen: Well, thanks Caleb. And we're excited to be here. We're here to try to take maybe a little bit of the ease of people talking about money and try to talk about things in layman’s terms, and maybe have a little bit of fun with it. Me and Cole have known each other for a fairly long time and we have a lot of fun when we're out golfing and he's kicking my rear end out there. So we thought maybe we could do this on a podcast and talk about money a little bit. Cole Jaeschke: Yeah, man. Glad to be here and a new thing for both of us here. So, I'm sure we'll learn as we go as well as hopefully educate some people along the way, and hopefully get some laughs out of the deal. So that's... a Kole Petersen: Well, they'll laugh at me. Cole Jaeschke: Yeah, for sure. I'm sure my wife will listen and give me a hard time, so. Caleb:I can tell just by the stuff we've done before being recording, I can tell there's going to be a lot of laughs in this podcast. So maybe tell us a little bit about yourself and how long have you each been with Central Financial Group? Cole Jaeschke: Yeah, I'll kick it off here. Today's actually my first official day as an advisor undersign in Central Financial Group. So I've been in the business for about seven years total as a financial advisor with previous firms and most recently with Edward Jones and had the opportunity to transition and bring my business to central financial group and back home to Fort Dodge. I was officing at Jefferson and now I'm going to be here officing where I live. So I'm looking forward to having my practice here and being part of the team here. Kole Petersen: He says that about moving back to Fort Dodge, but really just wanted to come work with me. That was about it. Caleb: I'm sure. I'm sure. Kole Petersen: We talked about that. And... Cole Jaeschke: He's got a cool name. Kole Petersen: Yeah. Right, right, right. Yeah. But no, we're super excited to have Cole. He's a go getter. He's a person that you look for when you're looking for people to recruit, to work for you. And we're excited to have him, it's his first day and it's already been hectic and crazy, but we're here and we're ready to roll and we're ready for a great career for Cole at Central Financial Group, so. Caleb: Yeah. So for the viewers, Kole Petersen is with a K, Cole Jaeschke is with a C. So that's how you know which Cole is which. Kole Petersen: They'll confuse it and they'll spell it wrong. Caleb: Yeah, it's okay. Kole Petersen: It's alright. Cole Jaeschke: Cole with a C is the right way to spell it. That's what we always say. Kole Petersen: Kole with a K is cooler. Caleb: I just have to say I'm Caleb with a C, don't ever spell Caleb with a K. It's just not good. Kole Petersen: Seen it before. Caleb:Yeah. So how long have you been with Central Financial Group, Kole with a K? Kole Petersen: Yeah. So I'm coming up on five years in October. I moved back to Fort Dodge from Des Moines area, worked for Principal Financial Group for 12 years before that and had a great time at Principal Financial Group. Cole Jaeschke was at Principal for a little while too. It's a great company. I look back to my time there and I wouldn't change anything that I did at all, but I wanted to get to something smaller and wanted to get to where I actually met with clients face to face and helped them with their retirement. So Principal Finance Group, again, great company, large company, very large company. Second largest employer in Des Moines, I believe in Iowa. I'm not sure about that, but don't hold me to that. Caleb: We'll get the fact checked. Kole Petersen: Yeah. Checks out on there, but yeah, Fort Dodge has presented a lot of things that Des Moines cannot which I think is great for people in Fort Dodge that we can keep it small, and we can keep it local. And it's a family run business and I'm super excited to be here and wouldn't change it for the world. Caleb: Yeah. That's I think a lot. To me, it's interesting is like, there's so many people that are like, oh, big city, small town, whatever. I love the small town people, who have a passion for a town like Fort Dodge. Most people would look at Fort Dodge’s 25,000, that's tiny, which it is tiny. But at the same time to have people like you who are passionate about this area and meeting with people face to face and making a difference with a one-on-one thing, I think that's cool. Kole Petersen: Calender, which I don't think has 25 people at all. Caleb: Calender's pretty small. Kole Petersen: No, I love Calendar. I'm just joking with my Calender people out there. Cole Jaeschke: Technically I was in between, like I'm in the country, I'm a country kid. So really, I say Calendar, Moorland, Fort Dodge, in the vicinity. But no, one thing I love when I think the nature of being in this area is how many entrepreneurs were around. That's a cool thing. That's what, I'm friends with a lot of entrepreneurs, clients, that's a big base of my clientele's entrepreneurs. And it's cool to see because you get to see their impact on the communities and the employment and things they provide to a community like ours. And it's a little more personal where if you get a little bigger, some of that personal touch starts to dwindle a little bit. So that's one thing I love about the size and the area we're in. Kole Petersen: Yeah. I was talking about becoming a financial advisor with someone that lived down in Des Moines just the other day. And I was like, man, yeah, go for it. Best of luck to you, but you're competing with, I can't even put a number on it, 5,000 different advisors down there and there's 20 in Fort Dodge. So it's just something that sets Central Financial Group apart too, as far as the service that we can provide that maybe another advisor in Fort Dodge can't because we are a team of people and we're a group, and we do work together on cases and we have our specialties. But we also can really take your whole retirement plan and mold it into one with our expertise. So it's something that we feel is a great thing that Central Financial Group sets apart from the others. Caleb: So you said you guys are advisors for Central Financial Group. What is your role as an advisor? Kole Petersen: Well, what we do as advisors as we take someone's what they're doing as far as their, say they'd never met with an advisor before. Say they had just started their 401k. They bought some life if insurance, maybe from their uncle and they're just putting stuff together themselves. What we do is we take all that information that they already have accumulated and we try to make a plan out of it and try to organize it, try to make sure that their investments are in the right places, that their investments are going in the right directions. We're also trying to make sure that they are saving enough and there's a lot of things that go into it. But as far as what we… a lot of our job is counseling and organizing. Cole Jaeschke: Yeah. I would say emotional support a lot of times for big decisions that people make. I think we tend to get those calls. Sometimes it doesn't even directly relate to us, but it's something where we're maybe a sounding board for them. And then... Kole Petersen: When someone sells a farm... Cole Jaeschke: Yeah. Kole Petersen: And they're going to get $500,000 when their parents pass away, and they got a farm, who are they going to call? Right now, you're not going to the bank to put it in the bank. You're getting 0.05 there. So you're going to call your financial advisor like Cole. And you're going to say, what do I do with this? I don't even know. Unfortunately there are a lot of people that don't know what to do with it. And they don't call a financial advisor. They don't have somebody they can trust. So that's something that we have to earn your trust over years of time sometimes. And then hopefully when something like that does happen, you can come to us. Caleb: So what got you into this? You all seem very passionate about what you do, which is great. I think being passionate, that's one of the biggest keys of your work is you want to be passionate about your work. So what made you realize that this is what you wanted to do? What got you into financing? Cole Jaeschke: I got a pretty simple an answer for this. So I've always had a coaching background. I'd say even when I was, I've been in athletics all my life and coaching was always something I thought I was going to do when I played college football, and thought I was going to be a coach afterwards. That was my first thing. And then I got to the end of that and I'm like, nah, I don't really want to be a coach. They travel around and especially at the college level. But I had that coaching at heart. And that's what I think, ultimately we're doing a lot of coaching, and educating, that's primary. And that's what drives me. I love to see someone stick to a plan, do it and see the evolution. Whether it's a transition from preparing to retirement, to living in retirement, whatever it might be, of passing money to their kids. It's really cool process to see and knowing that you had a small piece in that, maybe helping to educate them or the mechanics to get them there. Kole Petersen: Yeah. I would agree with Cole that coaching is a big part of it. How I got in the industry is basically was forced into it. Not that I was forced to get married, but I got married and moved to Des Moines and I did not have a job. On my marriage certificate it says I'm unemployed. Caleb: Oh. Kole Petersen: Yeah. So. Caleb: That's a great feeling. Kole Petersen: So, real impressive start for my wife, Molly that she married someone that was unemployed, but I was working in a different town. I moved to Des Moines without a job and was applying at jobs at Principal Financial Group, Wells Fargo, where people work in Des Moines. And I got offered a job at Principal and I needed a job. So I started working there. I didn't even know what I was going to be doing. Tell you truth. So I worked in the 401k customer service area at Principal and actually was like, Hmm, I like this. I understand money. Kole Petersen: I understand numbers. I was always good at math. And as the years went on and then we went through recession and nobody could move jobs anywhere. So I stayed at Principal, stayed at Principal, and then I was there for 12 years. And it was like, huh, that was interesting. I'm meant to be here like six months or a year, but 12 years is a great start. So I was basically forced into the industry, but now I love it, of course. It was just one of those things that you got to have a job when you get married, right? Caleb: Yeah. So it was out of necessity and now it's out of enjoyment. Kole Petersen: Right. Now it's not, it's a passion mine now. Cole Jaeschke: Yeah. I would say passion. You got to be passionate about this business to sit in our shoes. Otherwise you're going to get burn out, and you got to enjoy talking to people and hearing their stories, and that's I think one of my favorite parts about the business, is learning from our clients. You get to learn from people that are very successful and it's also, you feel good when someone that you know they're very successful and they want to work with you. That's a cool thing, but then you get to pick you… you ask them their story of like, oh, they made this decision and this decision. You're like, well, that's probably a pretty good decision. And sometimes those are things you can just, unfortunately in the world, there's not a lot of original ideas anymore. So finding the best path for people. And that's one thing I really enjoy is learning from my clients and getting to apply it to not only what I do, but other clients as well. Kole Petersen: I thought that was cool the other day, when you were talking about one of your clients and we obviously won't share any clients' names on this podcast or anything like that, but you were like, he's really successful. And I learned from him. And so our job is to teach people and help them. But lot of times we're learning from them, maybe on some mistakes that they made, maybe on some really big successes they have. So we try to learn from our clients also, but it's just about that relationship. And you can see where we're going with this is that we develop a personal relationship. You're not a number to most advisors, and definitely not to someone at Central Financial Group. We're trying to be a person that you can rely on, especially in times of rough times and good times and scary times, so. Caleb: What would you say, you're on this topic already. I think that's why I'm going to ask this question next, is you're talking about the relationship, what is something that people would have a misconception about you guys as a financial advisor? Kole Petersen: Yeah, that's a great question. Probably the number one thing that I hear is I don't have any money. Why would you want to meet with me? And I say, well, that's my job is to try to get you to have money. And so I think that's probably the number one thing people, misconception is that, hey, I've got to have a big pile of money to go meet with Kole or Cole. Cole Jaeschke: I've heard that a lot of, I don't have enough money for you to want to work with me. I hate that comment. I was like, no, that's not always. And I think Kole said, there's a lot of things in this industry that you do, that we don't get anything out of. And that's part of our business. We know that, we know that not everyone, but if we can help you, we're going to help you. That's what it comes down to. And they got to want the help though. And that's also the other side of the... Caleb: And that's where the passion comes from. Is like, yes, this is your job. It's your business, but you're passionate to help people. And that's why as someone you're like, you hate the misconception of, I don't have money. I can't be helped. It's like, I'm here to help you get where you need to be. And I'm passionate to help you. Kole Petersen: Right. Right. Yeah, that's probably the number one thing that I would say I hear from people that don't want to come meet with us. And probably number two is they think that we're just going to try to sell them something they don't need. But we are both fiduciaries. And I think that's very important to have that disclosure is we have to act in our client's best interest. So we are fiduciaries as far as any sort of fees or things that they're going to pay upfront. We have to disclose all that stuff. We have to tell you about it, otherwise we're not acting in the best interest of our client and we're not disclosing that information. So I think that that is also probably number two on the list that I hear is, well, I'm sure that there's a fee to come talk to you or an hourly rate. Well, it's not like an attorney. We don't file an hourly rate. And we have to disclose every time that there is some sort of fee that you might pay, so. Caleb: Got you. So let's go to the opposite in this spectrum now. So you got the people that have misconceptions, the things that bother you. What is your favorite part about working with people and seeing them achieve their goals? What about that? It's your passion to do this, so what is the most exciting part for you? Cole Jaeschke: I think for me, as this is year seven for me in the business, so actually having my clients my own, and when you first get started, you don't get to see this, but I'm starting to see it now where I've seen someone transition from saving their dollars and accumulating to transition to retirement and spending some money. And it's cool to see that transition to where they're like, oh, I can retire or you can tell someone, hey, you know you can retire, right? If you don't want to work anymore. And that's a pretty satisfying moment in meeting where you see people, it's like a weight off their shoulders. That's really cool. And then another one similar to that is education savings, seeing kids that get college paid for because their parents planned or did things. I think it's really cool to see the transition and the benefit of some of the things we talk about and we preach to our clients and then you actually see it applied and how they feel and how grateful sometimes clients are of your relationship and the relationship you have with them. Kole Petersen: Yeah. I had a cool thing the other day is that I had this couple come in and I got them on our money guide pro system, which I'm going to teach Cole all about, but we use a retirement planning software and I got to take them both from employed to retired. And that was like, they were like, that's pretty cool. And that's something that's like, you can't do this in any other job, as far as, it's like the coaching thing when you win the championship, it's like, but we get to do it more frequently. And it's about helping people to that finish line and being able to, we don't have to do all the heavy carrying, but we help guide you along that way and try to get you to that finish line, so. Caleb: The moment the hard work pays off. That's the end goal. That's the most thing, which I think that really applies to anything, but I can definitely see how that would be even bigger in a realm like you all, as far as like you said, sports. It's like you reach that pinnacle. You win the championship. The hard work pays off. Well in life for what you guys do, it's like they get to retire. They've reached that championship moment for them where their hard work of saving and doing it all right pays off and... Cole Jaeschke: Or just peace of mind. I think that's sometimes for some people is maybe they're not accomplishing something or hitting an achievement right then and there, but they know they're heading in the right direction and they're more comfortable with their situation. Or more ease of mind, just understanding that they're in the right spot. And I think that's cool to see. It's cool to see a person, they walk in, they're uptight and they leave and they're like, oh gosh, I feel way better now that I've had this conversation. And I think that's a very gratifying thing to go through. Caleb: So I'm not a client. I'm going to be this person I'm just going to walk up to you and say, what's the best money tip you can give me right now? What's your answer? Kole Petersen: You don't have any money. Go away. Caleb: I love that. Kole Petersen: what's the best money tip you can give a young lad like Caleb, first of all? Cole Jaeschke: There's probably a couple, but one thing I would start with, and this is something I know we're going to talk about what I would tell my younger self, but one thing I think is educate yourself, right? And I'm not going to give a specific, hey, start a Roth IRA, or do this and this and this, or save early. But I think we have so much information available to us now that if you have a goal, educate yourself first, or just get the highlights, right? The bullet points, make yourself dangerous and then figure out what's most important to you that you need to apply. And I think that's the number one thing, is making the effort to try to educate yourself cause the information's available or the resources of speaking to advisor, or whatever it might be. I think that's always step number one, is educate yourself, and there's no excuse not to. It's purely just an effort thing if you don't. Kole Petersen: Yeah. I would totally agree with that and it's just like the same, I tell people, I don't fix my car. I don't stitch myself up. So what I do, is I do your retirement plan. You can go do your job and be good at it. Let me do my job and be good at it. But what I would tell the younger generation like yourself, Caleb, have a plan and try to stick to it. Do some budgeting. It sucks. Nobody wants to do budgeting, but it does help. And try to think of your retirement savings when you're putting in your 401k, when you're putting your Roth IRA, whatever you end up doing, and that's your retirement insurance. You want to retire. Kole Petersen: Everybody wants to retire and we have people that come in, hey, hey, I want to retire early. Hey, okay. I'm like, well then you need to save more. If you want to retire before most people do, you just have to save more and sacrifice more. That's the whole thing. So it is, you don't have to… you have to develop the plan. You have to come up with a plan either with an advisor or come up with one on your own. There are things obviously available on the internet that you can find tools and we don't want to point you away from us, but everything you see on the internet's true, right? Caleb: Oh, definitely. Kole Petersen: Everything you've find out there is true. But you can do a lot of research yourself, but as far as, once you get to a point where you need a professional to handle it, let them do their job, I would say. Caleb:So we're going to take a quick break and hear a word from the production team at Spin Markket. Mackenzie: This podcast is produced by Spin Markket and Digital. Caleb: Located in Fort Dodge, Iowa, Spin Markket's highly skilled team can help you increase your market by updating your website, improving SEO, designing advertisements, and producing podcasts that will grab the attention of your market. Mackenzie: Contact Spin Markket today for all your digital marketing needs at digitalagent@spinmarkket, with two Ks, .com. Or call us at (515) 302-8026. And to learn more, visit our website at www.spinmarkket, with two Ks, .com. Caleb: That's digitalagent@spinmarkket.com or (515) 302-8026. Or visit our website www.spinmarkket with two Ks, .com. Kole Petersen: See, Spin Markket, two Ks, no Cs. Ks Caleb: Yes. We have two Ks. That's one thing anytime we do an advertisement for Spin Markket, we got to have that two Ks in there because it'll throw people off. Kole Petersen: Yeah. Well, that's the best letter out there. Caleb: So we're going to do a little quick transition. We're going to go from talking about the financial world to let's talk a little bit more about yourself. So Kole Petersen. Kole Petersen: My favorite subject, by the way. Caleb: Yes Cole Jaeschke: We all know that. Caleb: What are you outside of central financial? Kole Petersen: Well, I'm a dad. I have four kids. I am better known as Molly's husband. My wife is Molly Nelson, no laughter on that one. Huh? Okay. Molly Nelson. And so my wife is great and I have four kids that are awesome. I have a 12 year old boy, a seven year old boy and five year old twin girls that keep me crazy busy. But anyway, I like to be outside with my kids during the summer and play golf and do whatever they want to do basically as far as their sports go. So I'm most of the time shuttling them around to different sports after work. And sometimes I get to go out and kick Cole Jaeschke’s rear end at golf, but most of the time outside of work, I'm spending time at home with family and doing things like that. Cole Jaeschke:I don't know about most of the time. That's probably not an accurate way to describe the golf game, but we'll leave that one for another episode. Caleb: Okay. Yeah, we'll start in the next episode. We'll just have a golf debate. Kole Petersen: He wins most of the time. Caleb: You can bring in your score card next month, whenever we do this again. Kole Petersen: Yeah. Caleb: You can see who actually. Kole Petersen: Go through each hole. Caleb: So you would say, so you're a dad, a husband, and sometimes play golf with him. Kole Petersen: Yeah. Caleb: That's a pretty good life to have, be a family man. Kole Petersen: Yeah. Sometimes he gets to play golf with me. Caleb: That's what I aspire to be. Kole Petersen: But yeah, that's mainly, when you get four children and a wife and a house and everything like that, you don't do a whole lot outside of work and family. But I'm okay with that. I love it. I love my life and I wouldn't change it for anything. So I'm a blessed man and I feel really great about where I'm at in life. Caleb: Yeah. So what about you Cole Jaeschke? What are you outside of Central Financial Group? Cole Jaeschke: Yeah. First and foremost, I'm repetitive, but I'm a husband and a father. My wife, Chelsea and I got two little boys. I got a boy, Cail who is five years old, be six in July. And then we have soon to be seven month old Canton. And then we recently added a puppy, a Charlie. So, we've had the C and K discussion here. We're all Cs in my family. So Chelsea, Cail, Canton, Cole, and Charlie with the C. So yeah, so we got the C dominance in our family, but... Caleb: And I say, go Cs, I'm a Caleb with a C, so. Cole Jaeschke: That's right. But, and I'll say my hobbies are probably… my main hobby, my one and only hobby, but is golf. Just as Kole said, a husband and a father that's where most of my time is. So, I got to pick and choose my hobbies. I can't have too many. And golf's one I'm very, very passionate about and the more we listen you guys will find the passion I think Kole and I have for golf. And then also I've got some other business ventures. I would consider myself somewhat of a serial entrepreneur. I've got a couple other family businesses that I owned and some real estate stuff that I do as well. So between all that I'm busy enough, but my day to day and primary thing is being a father and a husband and then a financial advisor. Kole Petersen: It's crazy how much golf relates to the finance world though, too. Because you can do it your whole life. It's one of those rare sports like, you can't play football your whole life. You can't play basketball your whole life. I know that because I recently had to quit, but you can play golf, mainly your whole life. And your whole life, you're going to spend doing some sort of saving or spending or financing, whatever. It has a lot of similarities, and that's what I think is very unique about golf as a sport. And it's something that I want to teach my kids because I know that my dad taught me and it changed the way that I thought about sports. It's an individual sport, but you also can play on a team, but it's also something that you can do with your kids. Kole Petersen: I didn't play football with my dad as far as like in a competition or something like that. But, so it's something that like Cole said, we're both me and him are very passionate about. We're probably talking a little bit too much about it, but it's something that we think is something we want to put on this podcast as far as, we want to not just be about finances and money and everything like that, but we're going to talk a little bit about golf and... Cole Jaeschke: Hey, we got both sports guys too. So, I think there's going to be some sports that's incorporated and- Caleb: I’m all in on that. Cole Jaeschke: We're competitors too. So you'll probably get some competition based conversations at times too. So that'll be probably pretty enjoyable at times. Caleb: Okay. I'll just say this. I'm not a golf guy at all for the viewers. So don't expect me to be in on the golf conversation. Kole Petersen: Caleb, you don't do golf. You don't do finance. Caleb: No, I do... My go to sports are basketball and football and I love watching NASCAR. That's what I do. I don't do golf. I'm a NASCAR guy. Cole Jaeschke: Yeah. Actually not a plug here, but I'm not a big race car guy, but I'm watching F1 series on Netflix and it's about the formula [crosstalk 00:28:14]. Oh my God. It's addicting. And it's awesome. It's super well done, but it's crazy. I know... Caleb: I heard that the F1 documentary is super good. Cole Jaeschke: It's legit. Caleb: I've never watched F1 in my life. Ever. Cole Jaeschke: And it's honestly, my wife watches it. Caleb: It's on ESPN, the F1 races are on ESPN. I actually watched a few laps of one on Sunday. I was like, what is my problem? I do not watch F1. Cole Jaeschke: Yeah. It's crazy. Sidetracked there. Sorry. Kole Petersen: No, that’s alright. Yeah. You spend your nights watching F1 and I watched the basketball games last night and Arizona [inaudible 00:28:46] just killed my brackets. Caleb: Oh, mine were dead last week. Because I had Auburn and Kentucky in the final four. Kole Petersen: Oh wow. not educated. Caleb: And one of my brackets, I had Iowa in the final four actually winning the championship and I was like, this is not good. Kole Petersen:We should talk about that guys right now. [crosstalk 00:29:02]. Let's go. Let's go Cyclones. Yeah, I don't have a big aversion to the Hawks or the Cyclones, and I don't think you do either. Yeah. So we probably won't spend much time on that, but the Hawkeyes had a rough weekend last weekend. I watched both the men and the women's game. Cyclones, congratulations on the sweet 16. Caleb: Yeah. I'm Tar Heels fan. So we also had a good weekend. We knocked off Baylor, the number one seed. Kole Petersen: Yeah. Yeah. They got a tough game tonight against UCLA though. I think that's going to be one of the toughest games or the closest games that we'll see in the same thing. Caleb: So I'm rooting for Duke UNC matchup in the final four. Cole Jaeschke: That'd be legit. Caleb: Because they would meet in the semi-finals. Kole Petersen: Well, because North Carolina's underperformed all year. So, they were better than their record show. They were not an eight or nine seed. It was like Michigan, Michigan was not an 11 seed. They had a rough schedule. They had some injuries, they went through a rough patch, but they were one of the top 16 teams in the country, like North Carolina. They weren't an eight seed. They should have been, their record showed them as a four or an eight seed. But they were like a four seed. Caleb: Well they finished the season 13 and three, in their last 16 months. So- Kole Petersen: They finally got healthy and... Caleb: Healthy, they learned the new coaches system because Roy Williams retired last year. So. Cole Jaeschke: I'm going to have to cut you two off here on the basketball talk, so. Caleb: So, yeah, I don't want to [crosstalk 00:30:24] but it is March Madness week. So, I know it's very relevant right now. Right? Cole Jaeschke: Very relevant. Caleb: But what I was going to say when I brought up the sports thing was I saw, not that I'm a golf guy, but the masters are in two weeks. I'm sure you all are pumped about that. Cole Jaeschke: Oh yeah. Caleb: Is it two weeks, three weeks? Cole Jaeschke: How far is it? Kole Petersen: It is April 9th and 10th. Somewhere around there. Yeah. It's two weeks from this weekend. Yeah. I'm bummed that Phil's not playing. I understand why he is not. He's got to sit this one out, pay his dues for the dumb stuff he said. And I understand why he's not going to do it. I swear I saw something that Tiger's playing. Cole Jaeschke: I hope that's the case. because that's- Kole Petersen: I don't even have my phone handy, but- Cole Jaeschke: Tiger's the figure that draws anyone when he's playing, like the headlines’ like Tiger's playing, everyone flips that on. So there's nothing better though. I love master's week. You flipping on TV and it's one of my favorite weekends of the years, masters week. Caleb: Masters week for you is like speed weeks for me, which is the first race, the Daytona 500. I'm all in that week because there- Cole Jaeschke: I wouldn't have guessed you as a NASCAR guy. Caleb: Well, okay. I grew up in North Carolina. Cole Jaeschke: Okay. That makes sense then. It makes sense. North UNC, that makes sense. Kole Petersen: Yeah, okay. A real race fan. Caleb: From the time I was three to, we moved here when I was 10. So my early childhood years, were all in the sports area. I was 30 minutes from all the tracks, all the teams home bases. So that was a big thing down there. And then I come up here and everyone looks at me like, ew, you're an NASCAR fan? And I'm like, look, I grew up where everyone is an NASCAR fan, so. Kole Petersen: Right. You got to find the right crew to hang out with if you want to watch NASCAR. But yeah, the masters are coming up and just a quick, funny story about the masters or any golf tournament when Tiger was going through his run back in the 2000s, I was in the golf business, and I was an assistant pro at Beaver Hills Country Club I think it was during the US open. And so one Saturday I was there, I was supposed to be there all day. I counted how many times people walked in the door and their only question was, how's Tiger doing? Caleb: That's awesome. Kole Petersen: So I had probably, let's say 150 people walk through there. How many people do you think asked that question? Caleb: At least 60%. Cole Jaeschke: I was going to say 50.
Kole Petersen: 76 people out of 150 asked. Cole Jaeschke: That's amazing. Kole Petersen: And they didn't say, hi Kole. They didn't say anything. Caleb: That's crazy. Kole Petersen: Only thing they said was, how's Tiger doing? Just shows is dom, just- Cole Jaeschke: The relevance of the normal person. Kole Petersen: The only two people that we care are playing the masters are Phil and Tiger. I don't even know who else is playing. Cole Jaeschke: Yeah, me neither. Caleb: Yeah. That's funny. I know Tiger Woods. I know he was dominant, but beyond that, I don't know much about golf. So, I’ll leave it at that for you. Cole Jaeschke: Yeah, we can talk enough probably about golf. So we won't have too much golf content, so. Caleb: Yeah. Let's get back on money talk. Kole Petersen: All right. All right, we can do that. Caleb: Okay. So we have this big thing in the, I'm going to speak from the digital side of things, digital marketing side of things. We have a lot of people go, why do I even need you? Kole Petersen: Oh my goodness. Caleb: Yeah. They're like, I can do it myself. And then you look at their stuff and you're like, that's exactly why you need us because no offense, that's not good. So when somebody says like, well, why is it essential for me to have you? Why can't I just do it myself? Kole Petersen: I'll let you handle that question, Cole. Cole Jaeschke: Yeah. First and foremost, I think one thing, a good response, I'm not going to have an amazing response to that, but I say it comes down to the one thing we can do with people like that is the questioning and narrowing down their goals and objectives. And I think that's always, if you can get that with either the people that are, I don't see the value in the advisor, a lot of times that's where our value is, is helping them define their goals and objectives. And that's one thing that I try to pivot on. If maybe I have someone that's on the edge of speaking to advisor of really narrowing down their objectives and what's important to them. And that's where you'll find is sometimes well, okay. Cole Jaeschke: What you're telling me is not matching up with maybe we're doing a review forum, or someone that's not a client of ours and we can educate them on maybe, hey, that's not what you're telling me. You're telling me this, but your portfolio says this or your retirement plan says this, says otherwise. And that's where, we're going to have that at times, but trying to pivot and have that conversation, I think are we going to be able to help everyone? No. Would we like to? As competitors and as people, yeah. We want to help everyone. But in all reality, we're not always going to be for every single person out there who's not going to be a fit for us. But if we can educate and let people know we're there to help them, I think that's ultimately, and do the right thing. Cole Jaeschke: We do the right thing, and there's plenty of times we'll tell people like, unfortunately, we will help you, but you're not ready for maybe this, this, or this, at this point. You need to start doing this first. You need to budget first before you invest, or you need to pay off some debt before. And we're really just providing the education at that point. We're not really involved in anything. And sometimes that's necessary for us, acting in the best interest of people that are wanting to work with us. And I think that's important for people to know that we want to educate, but we're not for everyone. Kole Petersen: Yeah. I want to tell another quick little story about- Caleb: Go for it. Kole Petersen: And this is my analogy that I use, is I first got a house, my first town home with Molly, and we had a deck that I could grill on. I wanted to get a grill. So, I went to the store. Cole Jaeschke: Everyone needs a grill. Kole Petersen: Right, right. So I go to Menards and there's the $100 grill. There's the $250 grill and the $400 grill. Right? Well, $400 grill's already put together, all ready to go, you can just pick it up, take it out. $100 grill that comes in a box, you got to put it together. So I do the responsible thing, first time home buyer, buy the $100 grill, I go home and put it together. Right? It took me 10 hours to put together this grill. I don't put together grills. I put together retirement plans. And from that point forward, I always bought a grill that was put together, because... Caleb: That's a smart one. Kole Petersen: I'd rather pay a little bit more, get a better product. I had doors on the wrong way. I don't even know if it ever worked right. But that's something that I would say is for the person that wants to put the grill together themselves with their retirement plan. Maybe we're not for you, and maybe you should do that yourself. And if that's really interest of yourself, then go ahead and do it. I'm more of the guy that wants to have the grill all put together, and I have one I have the professionals handle it and I want to put together right. So I would rather have the professional that does it for me. And I know it's going to work and I'm going to retire. So that's my analogy on the whole thing. Caleb: Yeah. That's a pretty good analogy. Kole Petersen: That's a true story. I swear to God, it took me 10 hours to put together this grill. In Cole's lab, it probably took him 45 minutes to put together. And I think the box did say like two hours to put together, but I had to take it apart. Cole Jaeschke: We’ll give you the benefit of the doubt here. So, you were a new homeowner, new husband, so. Caleb: I'm yet to venture down that road. So we'll see. Kole Petersen: There might have been some alcohol involved too. I'm just saying. Caleb: Always does. Cole Jaeschke: Yep. Caleb: So we're getting pretty close to wrapping this episode up, I think. So one final question I have for you guys is what would you tell if you could turn back time and talk to your 18 year old self? So you're fresh out of high school, about to go to college. So it's before you've even really, I would guess probably found a career path yet. Is if you could go back and tell yourself, either do this differently or do this the same, what would you tell your 18 year old self? And this could be, tell your 18 old self, but this also ties what we said earlier about the, you could tell anybody anything. So your 18 year old self or any 18 year old about either being an advisor or saving money or whatever it may be, what would you tell your 18 year old self? Kole Petersen: I think the biggest thing to do is actually put some sort of savings in your budget. Not saying that I did that when I was 18, but as far as whether you're going to do a Roth IRA, whether you're going to do a just regular savings account, put some savings in your budget and just stick to it. And maybe when you're 18, you don't need to meet with a financial advisor, especially if you're going to college. But when you start getting the job and getting actual money that you feel like you're, hey, I'm not scraping every month to make by, then talk to somebody, talk to a professional and get some sort of plan together with them and get on your way a lot quicker. Cole Jaeschke: I'm going to do a little plug here. I don't know if I'm breaking any rules here or anything, but I have a book I actually give when kids turn 18, if their parents are clients of mine. And I know they have a kid turning 18, it's called Napkin Finance. I don't know if I can say that, the book or whatever the rules are there. But if they're going to turn 18, I ship it to them because I think it a book that every 18 year old should read. And it's just a quick snippet, and it comes back to my education, right? Educating yourself. It's a personal finance book that's really easy to read, in quick sections. And now the book's evolved to where it has a cryptocurrency section. So you can educate yourself now to who knows where that goes, what it is, but there's things on, writing a check. A lot of people don't know how to write a check anymore. I know that's become irrelevant. I understand that. But there's many- Caleb: I had to write one the other day and I was like, man, I feel like… or there was the first time because Cheryl does paper checks for us. And so I get to the bank and I'm like, do I just sign my name or do I put something else on the back when I turned this in? And I was freaking out in the car and the deposit line. And I was like, this is terrible. Kole Petersen: He was probably like, what's a memo section? Cole Jaeschke:But there's things in that book. And that's what I love. That's why this is something I've built since I've been doing this for about two years, that I love your book. No, no, it's a book that I bought, I found on Amazon and I bought a bunch of them. And I have them so every time a client turns, if I know a client as a child that's going to turn 18 or maybe there's some specific reason, and it doesn't have to be kids either. This could be for probably a 23 year old, just out of college, same thing. It's got a ton of personal finance, just easy education. And that's part of that, educating yourself of understanding how interest works on a credit card. That's important. That's going to have a detriment, understand how your student loans. I know there's a forbearance on right now with interest on student loans. Cole Jaeschke: Should I be paying principle or should I not? Understanding how the mechanics of that work is very important early on in life. Because if you get to a point where maybe you can't save that much at that point, but if you're understanding debt and that's making you conscious of decisions you're making and purchases you're making to not get in debt or what's maybe more important, it's going to help you as you get further on into that plan and maybe start to saving for different vehicles and retirement or education or whatever it might be. But I think it's very important to understand those type of things especially at a young age whether you're going to college or you're starting a job right away. Kole Petersen: Amen brother. Caleb: So educate yourself and don't wait to start. Cole Jaeschke: Yep. Kole Petersen: Absolutely. Yep. Cole Jaeschke: Can't go wrong there. I think those two, if you were going to start somewhere, that'd be a great start. Caleb:If we're being honest, that applies to any area of life. Cole Jaeschke: Right. Exactly. Kole Petersen: Budget. Yeah. I would say the other thing would be budget. At least come up with some sort of plan. Cole Jaeschke: I think it's good, the budget thing is the understanding of, if someone asked you and you could tell them, hey, roughly, here's what I make, here's what I've said, it's good. Some people have no idea, right? They're just, oh, hopefully this works, hopefully I can buy that. That's not a plan, so. Caleb: No. So what would you tell an 18 year old who's like, I want to get in the financial world, be one of you guys. What would you tell him? Kole Petersen: That's a great question. I think that there's an opportunity out there with a lot of baby boomers that are retiring and it's a great place to be. And me and Cole have joined up as far as our forces, but there are a lot of people that aren't in our age that are in the financial advising role. I would say that we are a dime a dozen as far as our age bracket. A lot of the financial advisors are either 65 and getting ready to retire or they might be 18, 22 years old. So as far as getting into the industry, it's a good time to be getting into our industry. And we're always looking for young prospects that are wanting to try to build their business and try to build their business under Central Financial Group, so. Cole Jaeschke: And you're seeing this, I've looked at this recently, but there's colleges are starting to, and they have their obviously traditional finance degree, but now you're seeing family finance or places where you get a four year finance degree as well as you could get all the education for your CFP designation or your financial planning. You can actually get a financial planning degree or a master's in financial planning now. And you see that becoming more relevant at some of the colleges that have finance specific programs. And I think that'd be something for an 18 year old looking to get into our business and make sure they understand what exactly we do too at times. Cole Jaeschke: I think sometimes that, for an 18 year old can say, oh, money or stocks and sometimes there's some confusion there. So just make sure you actually understand and go and ask someone you know. I'm sure, if you're an 18 year old or a young person, you ask a family member who their advisor is or someone to speak to, we'd love to talk. I've spoken to many schools and classes and stuff about what we do. And ask, ask, ask what they do. And again, it comes back to educating yourself. Kole Petersen: On that note I saw the other day that Arizona is requiring high school, you have to take a financial literacy class. Caleb: That is actually now required in Iowa too. Kole Petersen: Is it in Iowa too? Cole Jaeschke: I love that. Kole Petersen: But why is it just now? Cole Jaeschke: Yeah, I agree. I agree. That's kind of- Kole Petersen: Finances are such a big part of everyone's life, and that was one of my struggles when I got to principal, when I started out, I was like, what's a 401k? I didn't have a clue. And what's an IRA? What's the difference between a Roth and a regular IRA? We don't learn that stuff in school. You have to learn it on your own or you just don't learn it, or you get taught by someone like myself or Cole. And so it's getting there. I think the financial literacy is going to get better. And we hope that that helps people do better with their saving and everything like that. Caleb: Okay. We're going to go ahead and wrap this episode up I think. This has been an awesome time recording this episode. It's been fun to get to know you guys a little bit. I told McKenzie going into this, I'm like, I'm really nervous about this because I don't know these guys. So I feel like this went well. And I think this is going to be a fun thing for people to tune into. You guys seem very relatable. So I think you did a very good job with that. So just a quick promo for Central Financial, you can visit their website, centralfinancialgroup.com courtesy of Spin Markket. We just finished their brand new website. And then on their website, you can go into different landing pages. These guys are with CFG Fort Dodge. So there's a landing page for that. And then I know there's three or four others on there that you can go visit. So check them out on there. Kole and Cole, they have social media, so. Kole Petersen: Yep. You can find me on Facebook at Kole CFG, first name K-O-L-E and CFG. And I'm also on LinkedIn and Twitter. Just if you're searching for me, make sure you spell my names right. Kole, K-O-L-E, and last name Petersen, P-E-T-E-R-S-E-N. Caleb: Oh, I didn't know that. Kole Petersen: Yeah. And if you want to get ahold of us, if you're looking to get ahold of us, you can get ahold of us there. If you want to call the office, you certainly can call the office. Obviously all that stuff is online, but Cole, yeah. You got some social media that- Cole Jaeschke: Yeah. As well, you can find me on LinkedIn, just Cole Jaeschke spelled the right way. C-O-L-E, and then I'm also on Facebook at Cole CFG. Caleb: So, and then anytime, if you guys can't remember that, or don't know where to look, you can go to their website, centralfinancialgroup.com and all of their information, it's actually underneath the CFG Fort Dodge landing page. Underneath their bios is their different contact information. So you can find them there. And then yeah, next time on How to Money with Cole and Kole, which episode one was a blast. I'm looking forward to episode two. Cole J. is going to talk more about his transition into CFG and what that brought about and just the new things going on for him. So I hope you all will tune in next time, and that's going to pretty much wrap it up. Once again, this was courtesy of Spin Markket and Fort Dodge, and we will see you next time. You've been listening to How to Money with Cole and Kole, a podcast of the Central Financial Group, courtesy of Spin Markket. Learn more about the Central Financial Group on their website, www.centralfinancialgroup.com. Kole Petersen: For now, I'm Kole. Cole Jaeschke: And I'm Cole. Kole Petersen: And we'll see you on the greens. Caleb: Securities offered through Royal Alliance Association Incorporated Member F-I-N-R-A S-I-P-C. Royal Alliance Association Incorporated is separately owned and other entities and or marketing names, products, or services referenced here are independent of Royal Alliance Associations Incorporated.