We had so much fun doing this last week, we had to do it again!

In this episode, Matt and Elliott debate:

• Would you rather never compare your finances to someone else, or know you’re always beating them?
• Never stress about money, or never pay taxes?
• Always feel like you never have enough, or never know how much money you have?

Let us know what you think! Shoot us an email!

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

We’re kicking off a little experiment, which started with an interesting conversation we had a couple weeks back off the air.

For the next few weeks, we’re going to play a financial version of the classic “Would You Rather?” social game.

To kick things off, Matt and Elliott discuss their takes on:

• Would you rather be Age 40 with $500k, or 65 with $5M?
• Have $1M now, or $100k/year for life?
• Make $250k at a job you hate, or $60k at a job you love?

Have thoughts on these yourself? Comment or shoot us an email!

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

With all the tariff-related market fluctuations, Matt and Elliott take some time this week to discuss market-timing.

• Is it possible to time the market, consistently?
• How do you know when to get out? More importantly, when to get in?
• Why making decisions for days at a time, can have decades of an impact?
• Horror stories of trying to time the market

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

Building off of the technical information from last week, Matt and Elliott discuss more about some of their favorite use cases for a Brokerage Account, and who may find them to be a valuable tool.

While we don’t know the details of your exact situation, perhaps hearing a few examples may help you understand if this is the right tool for you to consider. (Please consult with your financial or tax professional, first!)

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

“Brokerage Account, what the heck is that?”

In this episode, Matt and Elliott discuss one of the most confusing accounts in the savings worlds, Brokerage Accounts. These can sometimes just be called “Individual”, “Joint”, or “Taxable” investment accounts, adding to the confusion.

While they function much like an IRA, Roth IRA, or any other retail investment account, tune in to learn more about the details, and what to know before opening one yourself.

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

In a follow-up to our last episode, we went even deeper into the Roth versus Traditional debate for IRAs and 401ks.

We hope you enjoy this nuanced discussion around saving for retirement, and why the best decision for you, is much more the question than listening to the “YOU MUST DO THIS…” news articles out there.

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

We’re here to talk retirement plan options today! Many times when working with their clients, Matt and Elliott take the approach that many of these accounts are functionally the same thing, but they come with slight variation in how, when, and what you can contribute to them.

Think of these accounts as “ice cream”, but with different flavors!

In this episode, we talk about:

• Contribution limits, timing, and taxation
• Matching provisions
• Investment choice
• Roth vs. Traditional
• and… much more!

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

Picking up where we left off last time, we’re here to talk about Health Sharing Plans, which are sometimes used as a replacement for traditional health insurance.

In this episode, we talk a bit more about the pitfalls and considerations you should make before signing up for a community/group health sharing program.

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

Healthcare is undoubtedly one of the greatest financial concerns for the majority of Americans. With health-related expenses being the #1 cause of bankruptcy, it’s really important to understand what all these letters mean.

In this episode, Matt and Elliott share”

• What is the difference between an HMO and PPO?
• Deductibles, Max Out Of Pocket, and understanding what annual costs could be
• What is an Health Savings Account, when is it appropriate?
• Why picking a health plan is not “set it and forget it”, but should be revisited on an annual basis.
• and …. more!

Here’s an article from Elliott’s website on using an HSA in retirement: https://kindnessfp.com/hsa-in-retirement/

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download

Credit Scores and their importance are one of the most written about topics when it comes to personal finance, yet there is still a great deal of confusion on how they work, what they mean, and what you can do to take care of it.

In this episode, Matt and Elliott discuss the 5 major factors a Credit Score is based on, some general rules of thumb for how to manage your credit, and what pitfalls to avoid when looking to make use of credit.

Have a question for a future show topic?

Matt Fizell, CFP® can be reached by email at matt@planwithharmony.com or at www.planwithharmony.com

Elliott Appel, CFP® can be reached by email at elliott@kindnessfp.com or at www.kindnessfp.com

You can also submit questions to this link: https://forms.gle/z2qWJpvmnzxqDfCK9

DISCLAIMER: The ME & Money Podcast is hosted and produced by Harmony Outsourcing Services LLC and is intended only to be educational, informational, and should not be considered as financial advice.

Matthew Fizell, CFP® is an investment adviser representative of Harmony Wealth L.L.C. (“Harmony”). Elliott Appel, CFP® is an investment adviser representative of Kindness Financial Planning LLC (“Kindness”).

However, the views and opinions expressed by Matt and/or Elliott in this podcast are not intended as individualized investment advice on behalf of Harmony and/or Kindness, or as tax, accounting, or legal advice. Although we gather information from sources that we deem to be reliable, we cannot guarantee the accuracy, timeliness, or completeness of any information prepared by any unaffiliated third-party.

When specific investments or types of investments are mentioned, such mention is not intended to be a recommendation or endorsement to buy or sell the specific investment.

Harmony is a registered investment adviser authorized to do business in the states of Wisconsin and Texas, and other jurisdictions where exempted.

Kindness is a registered investment adviser authorized to do business in Wisconsin and Washington, and in other jurisdictions where exempted.

Registration as a registered investment adviser does not imply a certain level of skill or training. This website contains links to the Harmony and Kindness websites that provide general information about the advisory services offered by Harmony and Kindness. These links are provided as a convenience only. Harmony and Kindness can only provide individualized services after you sign an agreement and receive required disclosures. Users of this website may, but are not required to, engage the services of Harmony or Kindness for advisory services.

Please remember that all investments involve varying degrees of risk, and the future performance of any specific investment or investment strategy is not guaranteed to be profitable or equal to any historical performance.

Podcast Intro Music Credit:

Inspiring Optimistic Upbeat Energetic Guitar

Music Title: Inspiring Optimistic Upbeat Energetic Guitar Rhythm https://www.patreon.com/posts/62282987

Released by: Oleg Mazur https://soundcloud.com/fm_freemusic

Music promoted by https://www.chosic.com/free-music/all/

Podcast: Play in new window | Download