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Finance Fresh

Get a fresh take on finance with Kyle Ryan, CFP and Thomas Elms, CFP. Fresh Finance is intended to educate the viewers on the many facets of financial planning through the lens of a pair of young CFPs. Not only do the pair discuss financial planning topics and strategies, but also current factors going on in the the world that directly affect the market.

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Episode 21 - Decreasing Risk: The Long-play

In this week’s episode, Thomas and Kyle discuss the most important component of risk for many investors - time. Understanding the difference between one's risk tolerance and risk capacity can broadly change one's perception of long-term investing, especially during downswings. As our time horizon for requiring liquidity from investments decreases, so should the amount of portfolio risk.

Episode 20 - Early Retirement: The Good, The Bad, and The Ugly

In this week’s episode, Thomas and Kyle talk about what many people are interested in - early retirement! While this is an increasingly popular idea, there are many nuances and complexities when it comes to planning for an early retirement. Working can be seen as a means to an end when it comes to planning for retirement, but what are the best steps for YOUR specific circumstances. What are some pitfalls to watch out for? These topics and many more are discussed in this weeks video.

Episode 19 - Passive Income Requires Active Planning

In this week’s episode, Thomas and Kyle take on the topic of passive income and what it takes to create a passive income stream that you can rely on in the future. Active planning and goal setting are crucial elements for creating passive income.

Episode 18 - The Importance of Diversification

In this week’s episode, Thomas and Kyle discuss how important having diversification is in your life. Diversification in your investments, income, assets, or anything else can help reduce risk in your financial life and provide a more steady income stream to rely on in the future.

Episode 17 - Financial Skills to Master Early

In this week’s episode, Thomas and Kyle discuss four financial skills that they believe are crucial for anyone to master. The sooner one can master these skills, the sooner their pathway to financial independence can begin.

Episode 16 - The Importance of Planning Early

In this week’s episode, Thomas and Kyle discuss how impactful early financial planning can be. People don't plan to fail, but some fail to plan. This episode details easy ways for people to begin the process of financial planning.

Episode 15 - Tax Planning Strategies for 2023

In this week’s episode, Thomas and Kyle cover different ways that people can get ahead of their taxes. No one likes owing taxes, and when you're filing your taxes it's too late to change anything. Therefore, prompt and thorough tax planning will help people retain more money in their pockets, rather than the governments.

Episode 14 - The Secure 2.0 Act and Who It Affects

In this week’s episode, Thomas and Kyle discuss the recent tax law changes that came with the passing of SECURE 2.0. The SECURE Act (Setting Every Community Up for Retirement Enhancement) greatly expands credits for employers to open retirement accounts, allows for availability for investors to contribute to Roth accounts, and much more.

Episode 13 - Market Recap of 2022

In this week’s episode, Thomas and Kyle reflect on how the markets performed in 2022. Headline issues, such as inflation, rising interest rates, the Russia-Ukraine war, and consumer sentiment are well known, but why did they impact the markets the way they did? This and many other lesser known headwinds are broken down in this episode.

Episode 12 - Don't Fight The Fed

In this week’s episode, Thomas and Kyle discuss the current state of the market. We dive into different topics such as our thoughts on what the Fed is doing, why they are doing it, and how it impacts investors. We follow the Fed's statements and analysis of the current economic conditions in the US and try to determine how the markets will react. In short - don't fight the Fed!

Episode 11 - Why Business Owners Work With Advisors

In this week’s episode, Thomas and Kyle discuss how business owners are traditionally some of the busiest people, as they have to focus most, if not all, of their time and energy on actually running their business. Financial advisors can help play a role in setting up a business owner for financial success not only today, but in the future.

Episode 10 - How To Analyze A Portfolio

In this week’s episode, Thomas and Kyle discuss how investors can both analyze their portfolios and rethink their investment strategies. The investing landscape is ever changing, which is why we provide investors with different ways of staying up to date with their investment portfolios and how to change their mindset to not allow for short-term market fluctuations to get in the way of their long term goals.

Episode 9 - Monthly Market Update: May 2022

In this week’s episode, Thomas and Kyle discuss the volatility in the stock and bond markets and how investors can position themselves to handle this downturn, both financially and emotionally.

Episode 8 - Estate Planning: Don't Let the Government Be Your Primary Beneficiary

In this week’s episode, Thomas and Kyle discuss the significance of having an estate plan. Estate planning is not just for the wealthy, as everyone ought to have some sort of plan, whether it is in the form of a will, adding beneficiaries to financial accounts, etc. Who would you rather decide where your money goes when you pass, the government or you?

Episode 7 - Understanding Interest Rates

In this week’s episode, Thomas and Kyle discuss the impact of a rising interest rate market environment. Many people are worried about rising rates and how it may impact anything from mortgage payments, car payments, lower earnings multiples for stocks, etc.

Today is all about touching on the important things to consider in rising rate environments like this and how sticking to a long-term investment approach tends to be the most effective path forward.

Episode 6 - Income & Tax Planning

In this weeks episode, Thomas and Kyle discuss the nuances of income and tax planning. The most important thing to remember is that it's not how much you make, but how much you keep.

Thomas and Kyle dive into different misnomers out there relating to tax planning, as well as ways to increase income and allocate it according to your plan.

Episode 5 - Monthly Market Update: March 2022

In this weeks episode, Thomas and Kyle discuss their thoughts on what has been occurring in the markets since the start of 2022. With volatility spiking due to a myriad of factors such as geopolitical pressure, rapidly increasing inflation, and rising interest rates, it is important to keep a level head and stick to your long term investing plan.

This episode focuses on how investors can perceive changes in the market and reminds them to remain objective in their investing and not emotional. While it is not time to panic within investment portfolios, it is important to be mindful of changes in the economic cycle and how it may impact ones investments.

Episode 4 - Retirement Planning: It's Never Too Early

In this week’s episode, Thomas and Kyle discuss retirement planning and how it is never too early or too late to begin planning for retirement.

Topics covered include different types of retirement plans that one can contribute to, understanding expenses before and into retirement, Social Security strategies, and much more.

Episode 3 - Cash Flow: Building Wealth & Reducing Debt

In this week’s episode, Thomas and Kyle talk about the base of Financial Planning, Cash Flow. It’s so important to understand what is coming IN and what is going OUT and balancing that in a way that has you saving, investing, and also enjoying your life in the present.

It’s also important to understand what you want your cash flow to look like in retirement as well, because if you don’t have that nailed down, how are you actually measuring your progress towards being able to achieve a successful retirement?

Episode 2 - Investing 101: Account Types, Diversification, and Rebalancing

On this weeks episode of Fresh Finance Thomas and Kyle talk about the most exciting part of the Financial Planning process; Investments.

There are so many important pieces to investment planning, but understanding the account types you can utilize, the importance of diversification, and setting a rebalancing strategy are a few of the key things to consider.

Episode 1 - Introduction to Fresh Finance

On the pilot episode of Fresh Finance, Thomas and Kyle introduce the show and some topics they will be covering on the podcast in episodes to come.

Fresh Finance is hosted by Thomas Elms, CFP®, a Financial Advisor affiliated with LPL Financial and Kyle Ryan, CFP®, a Financial Advisor affiliated with Cetera Advisors. These two parties act separately. This podcast is only made for general educational purposes and should not be interpreted as Financial Advice.


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