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?

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

Tax season is right around the corner! Are you prepared to prepare those returns?

Tax filing deadlines can sneak up on us quickly, and make life a bit more stressful than it needs to be.

In this episode, Matt and Elliott discuss a few helpful pointers that you can use both when filing that 2024 Return, along with proactive tips to carry with you throughout the year that can make 2025’s Return a bit easier.

You can expect insightful conversations on:

• Making use of a digital tax folder
• Verifying your W-2 information
• Time considerations of when to file
• Communicating effectively with your tax preparer
• Where to deploy your tax refund

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

Whether it’s a big vacation, your insurance bills, or even the subscriptions to various services, Matt and Elliott share their thoughts on when it makes sense (or maybe doesn’t) to prepay. In a world with increasingly popular “Buy Now, Pay Later” options, it’s important to know why paying in advance might not only help you create a successful financial future, but also feel better when you do spend money.

In this episode, we discuss:

• Why paying for vacation in advance makes it more enjoyable
• Finding what makes sense for you to prepay versus someone else
• Disadvantages to paying before your do or receive something
• How your approach to prepaying may change over time

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

Happy (almost… anyways…) New Year!

As we all start looking ahead to 2025, many times it can feel like an opportunity to have a fresh start, make changes, or try to be a bit more proactive on a given habit or aspect of our life.

In this episode, Matt and Elliott share how they approach these conversations with their clients in terms of their Personal Finances.

You can expect some great conversation around:

• Planning for goals and larger expenses
• Reflecting on spending and earnings from last year
• Tax opportunities
• Boosting retirement savings
• 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

**Episode 12 was also released today, don’t forget to check out our conversation with Olivia Sharp on all things Home, Auto, and Liability Insurance**

In this second edition of ME & MONEY for this week, Matt and Elliott sit down with 3 Tax Experts as we enter the beginning of tax season for those 2024 Returns.

With our special guests Alicyn McLeod, Ashley Francis, and Logan Graf, we touch on a few key points you should think about while determining whether you’ll self-file, or look to hire a CPA for this upcoming tax season.

We discuss:

• Common mistakes self-filers make
• The value of working with a CPA
• What to expect in terms of cost for a tax filing
• Why it can be hard to find a CPA
• Questions to ask as you search for a CPA
• And much more!

You can follow our guests at the links below:

Alicyn McLeod: https://www.linkedin.com/in/alicynmcleod/

Ashley Francis: https://www.linkedin.com/in/ashley-francis-seattle/

Logan Graf: https://www.linkedin.com/in/logangraf/

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 episode, we’re back with another special guest! This time, to talk about some real-life stories with Property and Casualty (Home, Auto, Umbrella, etc.) Insurances.

Olivia dives deep into several great topics with us in this episode, including:

• What most people are looking for with their insurance policies?
• Understanding when coverage does, and doesn’t make sense
• Real stories of claims, both good and bad!
• An $8 MILLION case from walking a dog!?
• Debunking myths about car insurance
• Scenarios that you may not think need insuring

You can follow Olivia on LinkedIn @ https://www.linkedin.com/in/olivia-sharp-405/

Or, reach out to her directly at olivia.sharp@usi.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/

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

Podcast: Play in new window | Download

Many times we see advertisements for “how you can save money on your home, auto, and personal insurance”. While most of us have these coverages, how do you know if you have enough? Is price the most important thing when shopping for insurance? Listen to this episode to find out!

In this episode, we discuss:

• The different coverages and what to look for (Home, Auto, Renters, Umbrella, etc.)
• Understanding how limits work
• What various coverages do and how they work
• Are you underinsured? What does that mean if you have an accident?

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

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