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.   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. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. #FinancialPlanning #CFP #Market #Investing

In this week’s episode, Thomas and Kyle discuss the impact of our current rising interest rate market environment. So many people are worried about rising rates from higher mortgage payments or car payments to lower earnings multiples for stocks. Today is all about discussing 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.   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. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

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.   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.   Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. #FinancialPlanning #CFP #Tax #Income

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.   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. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

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. 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. Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

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 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?   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.   Securities and Investment Advice offered through LPL Financial, member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to Links section. Personal Financial Group is a separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.   No offers may be made or accepted from any resident of any other state. Investment Advisor Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. The views stated in this letter are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

On today's episode 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 some of the most important. 

Welcome to the Fresh Finance Podcast. Get to know your Co-Hosts Thomas Elms CFP® and Kyle Ryan CFP® in this first episode as they give background on how they met, why this podcast will help you, and some of the things they will be talking about throughout the series. Thomas and Kyle are two of the youngest people to ever get the fabled Certified Financial Planner™ designation and they are excited to start spending time giving their knowledge away to you.