Personal Finance from the Hill-Top

We're back, baby! After a year-long hiatus (and a new baby in the Hill household!), Personal Finance from the Hill-Top is kicking off Season 2. In this episode, I’m joined by my good friend Tyler Landes, CFP® , as we break down the last-minute tax planning moves you can still make before Tax Day (April 15th). What We Cover: ✅ Post-Year-End Tax Moves – What you can still do now (HSA, IRA, Roth IRA...

EPISODE SUMMARY: In this episode, Kyle and Michael cover Annual Benefits Enrollment. Topics covered include: 401k/Roth 401k Plans, Employer-Sponsored Health Insurance, Health Savings Accounts, Long Term Disability Insurance, Life Insurance, and much more.  Skip the Fluff Time Marker: 54:33 Schedule a Call RESOURCES: LMFAO - “Sexy and I Know It” Chris Stapleton - “White Horse” Charlie Blackmon...

In Episode 21, we're discussing questions about bitcoin with Andy Flattery, CFP® from Simple Wealth Planning. Andy is a Kansas City-based bitcoin enthusiast and local expert on the topic that is very involved in the bitcoin community. The rise over the last decade of bitcoin has created a lot of interest, but even more questions. What is bitcoin? How does it work? Is it money or an investment? How...

In Episode 20, we're talking about where to stash some retirement cash with Don Martini, CFP®, CFA of Envision Financial Planning, a firm based in San Francisco, CA. The Roth IRA is a great little investment vehicle for retirement savings because of the tax-free benefits. We dive into all the details of: Contribution limits for 2021 & 2022 Income Contribution Limits & Phaseouts Required Mi...

On Episode #19 of Personal Finance from the Hill-Top, Kyle mentions a unique opportunity to be able to deduct up to $600 ($300 for Single) from your taxes in 2021, even if you're taking the Standard Deduction (Single $12,550/MFJ $25,100). He is also joined by Stephanie Boyer, Chief Executive Officer of reStart, an organization that provides support to Kansas City's homeless population with a conti...

Ever wonder if you need a last will and testament (aka “a will”)? The answer is YES!  A will is an integral part of a well-rounded estate plan that every adult needs, not just the rich and famous.  "If you have kids under the age of 18, the guardianship in your will is 100% the most important part of your estate plan." - Jamie Weese of Weese Law Firm In episode 18, we’re talking about th...

Have an old 401k from a previous employer? Wondering what to do with it? In episode 17, we're discussing what your options are for your old 401k. Kyle hops on the mic with Financial Advisor, Ethan Hutcheson, AAMS® of Metcalf Partners Wealth Management and they discuss: What exactly is a 401k What are your options when you change employers The pros and cons of those options Unique situations to con...

"Most people move because of two things: they need more square footage (more space), or they're at a new income level." - Tony Long of Long Real Estate Team Have questions about selling a house like... How far out should you start preparing to sell your house? To stage or not to stage? When should we put it on the market? In episode 16, we're discussing what you need to know about selling a house,...

In episode 15 , we're talking about the way most folks buy a house (at least Millennials)... with a Mortgage. I'm joined by Mortgage Bankers, Jen Gile and Taylor Nedrow. Jen and Taylor sit down with Kyle to discuss what you need to know about getting a mortgage. As you'll discover, not all mortgages are the same, or created equal. How much do you need down? How do you avoid PMI... what is PMI for...

“Never buy a house to just buy a house.” - Tony Long of Long Real Estate Team In episode 14 , we're talking about the American Dream… Buying a House , with Rockstar Realtor, Tony Long of Long Real Estate Team . Tony Long sits down with Kyle to discuss what you need to know when you’re thinking about buying a house. He gives you a peek behind the curtain to share the things to look for and the ques...

“Fee Only means I only get paid a fee from my clients. I don’t get paid fees from products, from brokerage firms, from banks, from insurance companies… I only get paid by the client and that is the person I’m responsible to.” - Brent Hoskins, CFP®, CKA® of Focal Point Financial Group  “One of the questions you need to ask advisors you’re interviewing is, ‘how do you get paid?’” - Donovan Broo...

In episode 12, we're talking about what the hell is a CERTIFIED FINANCIAL PLANNER™? David Tuzzolino, CFA, CFP® of PathBridge and Tyler Landes, CFP®, AIF® of Tandem Financial Guidance , sit down with Kyle to discuss what it means to be a CERTIFIED FINANCIAL PLANNER™ professional. It can get confusing when an advisor says they're a financial advisor and a CERTIFIED FINANCIAL PLANNER™. It leaves you...

“A financial plan is more of helping someone understand what their true priorities are in life.” - Brandy Branstetter, CFP® of Beyond WealthCFP® of Beyond Wealth “A financial plan in its simplest terms is a glorified to-do checklist of things that we need to put in place in order for our clients to accomplish those goals.” - Clint Haynes, CFP® of NextGen Wealth In episode 11, we're talking about w...

What the hell is a Financial Planner? In episode 10, Kyle sits down with three CERTIFIED FINANCIAL PLANNERS™ to discuss just what it means when someone calls themself a "Financial Planner". Andy Flattery, CFP® from Simple Wealth Planning , Mike Zung, CFP® from Java Wealth Planning , and Tyler Landes, CFP®, AIF® of Tandem Financial Guidance sit down with host of the podcast, Kyle Hill, CFP® of Hill...

Merry Christmas! Christmas came early. Show notes are Coming soon!

“Whether people realize it or not (buying direct to consumer), they’re acting as their own insurance agent.” - Ryan Gerstner of Prime Insurance Agency In episode 8, we're talking about the things you need to know when reviewing or shopping for auto insurance. Ryan Gerstner from Prime Insurance Agency , and Kyle discuss why we need auto insurance in the first place. They also help you understand wh...

“ Once you buy, you’ve gotta be ready for the ups and downs, and set your expectations. ” - Betty Wang, CFP® of BW Financial Planning In episode 7, we're talking about how to get your money invested. In our previous episodes we broke down the different types of investments and how they’re different… But now, how do you turn your money into an investment? Betty Wang, CFP® from BW Financial Planning...

“You want all of your investments to be a part of your diversified portfolio.” - David Tuzzolino, CFA, CFP® of PathBridge Financial, LLC In episode 6, we're taking a deeper dive into understanding investments. People talk like all investments are created equal, but that’s certainly not the case. In this episode, we dive a little deeper to help you better understand how investments are not all the...

“It’s kinda like why, how and what. Why are you investing? How are you going to invest? Then, what are you going to invest in? It’s a three step process.” - Rockie Zeigler III, CFP®, of RP Zeigler Investment Services, Inc. In episode 5, we're talking about how to get started investing. From the time you’re in high school, everyone tells you to start saving early and often, but they never tell you...

“What would you want to see happen with your family, if god forbid, something were to happen to you, and you were to leave your family, without you around?” - Andy Flattery, CFP®, of Simple Wealth Planning, LLC In episode 4, we're talking LIFE INSURANCE... because September is (and was) "Life Insurance Awareness Month". I know, it's October, and it can be scary talking about your own mortality, bu...

The best time to start investing was yesterday, but the second best time is today. - Tyler Landes, CFP®, AIF® of Tandem Financial Guidance, LLC In episode 3, this is Part 3 and the finale of the Laying the Foundation miniseries to kick off Personal Financial from the Hill-Top.  Tyler Landes, CFP®, AIF® from Tandem Financial Guidance, and Kyle discuss why saving is key to building margin...

"You have to take a step back, focus on what you can control and what you can control is your own household, and what you do there.” - Mike Zung, CFP® of Java Wealth Planning In episode 2, this is Part 2 of the Laying the Foundation series to kick off Personal Financial from the Hill-Top.  Mike Zung, CFP®, from Java Wealth Planning, and I discuss why getting out of debt is crucial to your bui...

"The budget is the foundation for everything you can do for the rest of your life.” - David Gourley, The Budget Teacher In episode 1, this is Part 1 of the Laying the Foundation series to kick off Personal Financial from the Hill-Top.  David Gourley, from The Budget Teacher, and Kyle discuss why the budget is the foundation for building your personal financial plan, and how to do one. We shar...

Coming Soon! A Personal Finance podcast for Gen X, Y & Z. Submit Questions for future episodes at: kyle@hilltopfp.com www.hilltopfp.com