In this episode, we welcome our first guest to the show! Tony Steuer, CLU, CPFFE joins us to talk a bit more about the nuance of Life Insurance, when it makes sense, and when it doesn’t.

Tony has a wealth of experience on this topic, and Elliott and Matt (well… due to tech issues, mostly Elliott!) chat with Tony about the following topics.

• Understanding Permanent Life Insurance
• Different types of Permanent Life Insurance
• The Pitfalls of Permanent Life Insurance
• Importance of regular/frequent policy review
• What an “In-Force Illustration” is?
• What to do with an underperforming policy?

You can follow Tony on LinkedIn @ https://www.linkedin.com/in/tonysteuer/

Or, check out his website @ https://www.tonysteuer.com/

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 this “semi-breaking news” episode of Me & Money, Matt and Elliott chat a bit about what the election results could mean for some of the larger planning topics in Personal Finance.

While there are surely to be mixed feelings depending on who you voted for, it’s a great time to focus on the big picture whether you’re optimistic or not about the next 4 years.

Will the Tax Cuts and Jobs Act of 2018 expire? Will we go back to the old tax brackets?

Will we get an entirely new tax bracket system?

What impacts could this have on your budget?

What are some of the local election results to watch for?

What’s the outlook on the stock market?

All this 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/

Download Free copyright music

Podcast: Play in new window | Download

While we don’t sell it, we believe insurance is an incredibly important aspect of a well-rounded financial plan. In our time working with clients, we’ve seen great plans, and some that leave us scratching our head.

In this episode, we discuss:

• Different types of life insurance (term, whole life, cash value)
• Do you REALLY need life insurance?
• What does it pay for?
• How much does it cost?

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

It’s that time of the political cycle again, the election is near! Regardless of who you support, plan on voting for, or what their agenda may be, we wanted to give you a few words of wisdom for this upcoming election cycle when it pertains to your investments.

In this episode, we discuss:

• What impact elections have had on investments, historically
• Proposed policy doesn’t mean anything will change
• Taxes, the tax code, and it’s impact on the market
• Why you may see volatility on or near Election Day
• Going back to your long-term plans

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

Last time, we talked about the “why” behind investing. While we think it’s the most important, investment selection is the next key step. While there’s not a specific recommendation being made in this episode, we want to share a few helpful tips to think about while you think about how to structure your investments.

In this episode, we discuss:

• Understanding your Investment Timeline
• Why discipline can lead to success
• Finding the balance of risk and return
• Ignoring the headlines, focusing on your plan

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

Investments are always in the headlines. So many times we hear about what we should be investing in, what the “hot stocks” are, and how to pick the next big thing. In this episode, we talk about the reasons why we need to invest, and why time may just be more important than knowing what the next big winner is.

Here’s a few topics we discuss in this edition of ME & Money:

• Why you can’t stuff money “under the mattress”
• The power of compounding interest
• Why housing is usually seen as a “good investment”
• Inflation’s impact on your financial future

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

Usually when you see those financial advertisements, it’s all about “save, save, save”… but what if you don’t really need to? What if you have something you want to pursue NOW?

In this episode we discuss:

• Planning for cash needs in the near future
• Retirement is important, but should it always be the top priority?
• Balancing saving while having debt
• Creating accountability for yourself if you do decide to stop saving

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/

Download Free copyright music

Podcast: Play in new window | Download

The housing saga and conversation continue in this episode of ME & Money. Elliott Appel, CFP® is still on the search for a house, and he’s still weighing the pros and cons of renting versus buying.

In this episode, we discuss:

• Do you have a renter or owner lifestyle?
• Is renting “really throwing money out the window?”
• Can renting give you more flexibility in retirement?
• A live calculator walkthrough with things to consider

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 back to talk more about homes, and the pieces of owning a home that are commonly missed, or just not spoken about while going through the home purchase process.

Listen to Matt and Elliott as they share their stories of owning a home, and what has changed or been discovered as time has gone on.

In this episode we discuss:

• Inspections and Repairs
• Property Taxes
• Home Insurance
• Why it’s important to have cash on hand for your house

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/

Download Free copyright music

Podcast: Play in new window | Download

Today, we’re digging into the homebuying process with some key items to be aware of while going from looking at homes, to submitting an offer.

With the housing market being in a very competitive state, it can be daunting to know “how far you should go” when looking at how much you may have been approved for by a lender versus what may be comfortable.

In this episode, Matt and Elliott cover:

• Risks Involved With Home Purchases
• The Pre-Approval Process
• How Interest Rates Impact Monthly Payments
• Home Offers and Inspections
• Shopping Interest Rates

Have a question for a future show topic?

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

Elliott Appel, CFP® can be reached by email at elliott@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/ 

https://www.chosic.com/download-audio/27120/

Podcast: Play in new window | Download