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Fresh Finance: Financial Planning Topics and Strategies

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 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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