February 2025 – ME and Money Podcast

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.

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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/

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Each year, our world becomes even more “digital”, and with it, this means there are more ways than ever to have your information, identity, and financial life hijacked on the internet. In this episode, Matt Fizell, CFP® and Elliott Appel, CFP® discuss a variety of ways you can protect your finances, and make life a little more secure.

While the strategies in this episode are not the only ways you can help secure your online presence, be sure to listen to the end and learn how you can tackle a few small things and make a huge difference in protecting against scams, data breaches, and misuse of your financial resources.

Learn more about common scams here: https://www.consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-scams-en-2092/

Have a question for a future show topic?