The Financially Sharp (F Sharp) Podcast

Whether you're a young professional, just starting a family, or looking to optimize your savings, this episode is packed with insights to help you make the most of your HSA. In this episode of the Financially Sharp Podcast, we cover the pros & cons of HSAs and then give you real-life situations of when to use them to your benefit. HSAs are a fantastic tool for managing healthcare costs and sav...

  #DividendStocks #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @HarmoneyWealth

Market update! We are off and running to start 2024! The S&P 500 wrapped up a strong quarter with a gain of 10.2%, marking its strongest first quarter performance in five years. Four sectors notched double-digit gains. Led by energy (13.5%) The only sector that declined in the first quarter was real estate. Bankman-Fried convinced on all seven counts of fraud, conspiracy and money laundering....

In this episode, we explore the world of retirement plans for small businesses, breaking down the four main options available while explaining the nuances of each. Tanner starts with his least favorite option and finishes with his preferred option for business owners.    #SEP #IRA #ProfitSharing #401k #SmallBusiness #Fiduciary #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #Certifie...

In a society that constantly throws around the word "expert" and gives validation of the term solely based on number of followers, it is even more important to be vigilant in who you are taking advice from.  In this episode we discuss what an expert really is, how to sift through all the noise, and things to watch out for when choosing what information to really listen to and believe.    #BlockOut...

In this episode we discuss our favorite books we keep coming back to and look ahead to the books we have tabbed to read in 2024. This is more of just a financial literacy exercise and more about expanding your skillset and mindset and how it can translate to your personal finance.    #BookReview #StartWithWhy #SimonSinek #AdamGrant #ThinkAgain #AtomicHabits #FinancialLiteracy #HarmoneyWealth #FeeO...

In a watershed moment for cryptocurrency, The Securities and Exchange Commission approved the first U.S. listed exchange traded funds (ETFs) to track bitcoin. Among the 11 approved applications were Fidelity, Invesco, Vance and BlackRock.    #ETF #BitcoinETF #Bitcoin #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. Har...

Market update! As we wrap up 2023, we discuss how the markets performed in 2023 as well as look forward into what could be on the horizon in 2024. #MarketUpdate #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @HarmoneyWealth  

In this episode we discuss how to know what value you are getting from your financial advisor.   This value goes beyond just investment performance to show you where you may be missing out. We go over the third party data showing what areas are most impactful to you as the client so you can analyze which financial advisor to be working with.   #FinancialPlanning #AdvisorValue #Mindset #FinancialLi...

In this episode we discuss the "Millionaire Mindset" and what it takes to achieve this status. We simplify it into two buckets -- 1. Understanding the mindset and 2. Discipline & Financial Management. It's important to note that in this episode we talk about characteristics and habits of millionaires and how they approach life and not how to become a millionaire. #MillionaireMindset #Mindset #...

Credit scores -- a useful standardized analysis of an individual's borrowing capacity or more of just a number? Do we put too much stock into this number? What makes up this number and should we be paying attention to it?  #CreditScore #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @Har...

Market update! The start of 2023 was interesting to say the least but dare we say Q3 was boring!? Maybe no news is good news?  #MarketUpdate #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @HarmoneyWealth  

Credit cards...the double edged sword.  In this episode, we make sure you know how to master credit cards to use them for your benefit and not fall victim to their dark side. Questions or suggestions? Email Podcast@FinanciallySharp.com Harmoney Wealth: https://www.harmoneywealthaz.com #certifiedfinancialplanner #feeonly #finance #Estateplanning #will #financialliteracy #harmoneywealth #personalfin...

Inheritance can come in many different forms other than cash. It can be a complicated process so how can you assure that you correctly go about it? Tanner, our Certified Financial Planner, gives us five things to work through to make sure you are correctly inheriting your assets. 1. Take Time 2. Review Your Financial Plan with an Expert 3. Determine What Assets You are Set to Inherit 4. Understand...

You've been named executor or personal representative of an estate -- now what? What's the process? What are your first steps? It's a very complicated process but Tanner, a certified financial planner and estate planning expert walks us through step-by-step. Questions or suggestions? Email Podcast@FinanciallySharp.com Harmoney Wealth: https://www.harmoneywealthaz.com #certifiedfinancialplanner #fe...

Market update! The start of 2023 has been interesting to say the least! What have we learned since the SVB fallout? With more fed rate hikes is it possible a recession is looming? What global issues are causing volatility?  #MarketUpdate #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @H...

We field your questions! In this episode we answer questions sent in by listeners. Do you have a question we didn't answer? Email us -- podcast@financiallysharp.com #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry

In today's episode, we revisit the key concept of Roth conversions and how they could be immensely beneficial to your situation. #RothConversions #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry

Real Estate Market Update!  We bring back Shawn Malkou, owner of X2 Mortgage, for another update on the real estate market and a few new changes to mortgage rules that could apply to you.   #RealEstate #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @HarmoneyWealth  

Are you an optimist or pessimist? What is a Permabear and why are they convincing? If they forecast doom and gloom long enough they are bound to be right eventually but why do they continue to receive air-time from major platforms? #Permabears #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebo...

Market update! The start of 2023 has been interesting to say the least! What have we learned since the SVB fallout? With more fed rate hikes is it possible a recession is looming? What global issues are causing volatility?  #MarketUpdate #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @H...

What is generational wealth and why is it important? In this episode we talk about the steps and strategies to consider to provide financial security to future generations that allows them to pursue their dreams without worrying about their financial stability. 1. Mindset + Education 2. Figure out what you are good at 3. Start early 4. Control spending 5. Invest in assets 6. Model the wealthy 7. P...

On Friday, March 10, 2023 the United States Government (FDIC) took control of Silicon Valley Bank after it collapsed amidst capital crisis. It marks the second largest bank failure in US history (Washington Mutual in 2008). What happened? Is this failure a cause for concern for investors and the financial markets? We breakdown the three main causes that led to the failure of Silicon Valley Bank. #...

The $1.7 trillion federal omnibus spending package that was recently passed by Congress has a provision that allows tax-free rollovers of up to $35,000 in 529 tuition savings plans to Roth individual retirement accounts starting in 2024.  #529plan #EducationSavings #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. Harmo...

Market update! We chat about the end of 2022, what 2023 will bring us and how soon will we see the Fed rate hikes having an effect on the markets.  #MarketUpdate #FinancialLiteracy #HarmoneyWealth #FeeOnly #FinancialAdvisor #CertifiedFinancialPlanner #Finance #FinanceIndustry Website: www. HarmoneyWealthAZ.com Facebook: @HarmoneyWealth