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Mark Kemp and Todd Little are Certified Financial Planners (CFP) with Kemp Harvest Financial Group in Harleysville, Pennsylvania. Each episode, they'll break down important financial and retirement planning concepts and show you how to avoid common retirement pitfalls. They'll seek to keep each topic simple and easy for you to understand. If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/
 
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show series
 
Where can advisors drop the ball? While they may not mean to, sometimes advisors can overlook areas in our financial plan. On today's episode, we'll discuss 5 areas advisors may drop the ball and how you can make sure your plan is properly taken care of. If your advisor is not reviewing your tax returns you may want to have a discussion with them. …
 
When you do a jigsaw puzzle with your family you probably start off with a strategy. You are going to look at the big picture, organize your pieces, and decide where to start. Approaching our retirement plan, in the same way, can be helpful. What is the big picture of the puzzle? What is the big picture in your retirement plan? The framework of the…
 
We don't hear unreasonable requests very often, but it's still important to manage expectations. On today's episode, we will be discussing 4 requests either we have heard or other advisors have heard that are a bit too unreasonable to expect. We will be discussing risk, reducing fees, taxes, and the importance of being involved in the planning proc…
 
Have some questions about retirement? Let’s open up the mailbag and answer some of these questions. On today’s show, we will be going over 6 financial topics our listeners are curious about. Can you use a home equity line as an emergency fund? Long-term care coverage premiums are going up, should you keep your insurance? How often should you meet w…
 
Sometimes we can get overconfident in our financial planning. This type of overconfidence can create blind spots in our financial plan. On today’s episode, we are going to cover 5 areas people tend to become overconfident in when it comes to the financial world, so you can stay level-headed. We’ll talk about the stock market, dollar figure goals, r…
 
It can be tempting to procrastinate and to figure things out later. But putting certain things off in our finances can really affect our retirement plan. On today's episode, we are going to discuss 5 things that people either want to wait on or have questions about putting off. Writing a will, paying off debt, cashing in on Social Security, are all…
 
Today we are going to consider three red flags to watch out for in your retirement plan. There is a lot to keep track of when it comes to our finances so let's highlight three areas of importance. How often should we meet with our advisors? Is my retirement plan adaptable? We don't know what will happen in the future, but if we keep an eye out for …
 
Every retiree will be facing a new set of challenges that their parents didn’t have to deal with, and that’s absolutely true today. The world is a much different place than it was 20-30 years ago when mom and dad walked away from their paycheck. Let’s look at the biggest adjustments that have to be made in planning and share how we’re helping peopl…
 
At first glance, each of the statements we'll go through today seems like basic common sense that everyone would agree with. But when we look at the way people actually behave with their money, it would seem that common sense is a bit uncommon. Let’s discuss these strategies and why we often struggle to stick to them. What we discuss on this episod…
 
Few things in the financial world are as polarizing as annuities, but when used correctly, they can be a great tool for a retirement plan. Let’s try to sort through the different annuity options and explain what’s to like and what’s to dislike about these sources of retirement income. What we discuss on this episode: 0:35 – Background on this topic…
 
Working with a financial advisor will be one of the most important professional relationships you'll have in life, but it can be hard figuring out who to trust your future with. Today we'll share the key skills and traits you should be looking for in an advisor along with some of the questions you need to ask. What we discuss on this episode: 0:42 …
 
Want to grade your preparedness for retirement? Here are five key questions you need to ask yourself. Your answers will help determine how ready you are for retirement. What we discuss on this episode: 1:37 - Do you know how much you have? 2:54 - How much will you spend in retirement? 8:40 - Do you know how much risk you have? 13:34 - What fees are…
 
Ironically, life insurance is a young man’s game. The perception among many people is that your need for life insurance dramatically decreases and perhaps becomes completely unnecessary as you age. Is that really the case? On this episode, let’s explore some ins and outs of life insurance and its various uses. What we discuss on this episode: 1:29 …
 
If we take a look at the world of medicine, we can learn some valuable lessons that can be applied to your financial life. What we discuss on this episode: 0:42 - Setting up today's discussion 1:06 - Importance of periodic check-ups 3:30 - Sometimes you need a prescription 4:58 - Specialties 10:33 - Get a second opinion Contact: If you have any que…
 
On this episode, we answer some email questions we have received from our listeners. We discuss leaving an entire 401(k) to a child, concerns about inflation rates potentially rising, grading a stock broker's performance, and much more. Contact: If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/…
 
To write the Chinese word for “crisis,” you combine elements of two different Chinese characters. One character means “danger” while the other one means “opportunity.” Translated into English, it means “opportunity riding on a dangerous wind.” Let’s discuss how some of these crises might actually be opportunities, depending on your situation and pe…
 
In nearly all of the retail, restaurant and hospitality world, the old saying is that “the customer is always right.” But when it comes to financial planning, it’s probably not wise to subscribe to that idea. What’s the point of having a financial coach if your advice is better than your coach’s advice? Today we will discuss some statements we migh…
 
Misinformation certainly surrounds the financial world and it can be difficult to discern how certain investments actually work. So on today's show, Mark and Todd address some frequently asked questions that they get from clients regarding their 401Ks. Contact: If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/…
 
Mark and Todd talk about an often overlooked and rarely discussed topic of wills and trusts. They discuss how important it is to sit down with a trusted advisor when it comes to putting together these documents, as well as why you should review them every so often in case changes need to be made as our lives change. Contact: If you have any questio…
 
We’re talking specifically to Baby Boomers on this episode. What are the most common challenges, fears and objectives of this generation? What are some of the mistakes Boomers often make and how can they be avoided? We’ll ask and attempt to answer those questions on today’s show. Contact: If you have any questions, call 215-513-4330 or visit https:…
 
There are plenty of financial lessons to be learned from almost every area of life. And since the Weather Channel is everyone’s favorite station to let play in the background for hours at a time, let’s see what we can learn about retirement planning from the world of weather. Contact: If you have any questions, call 215-513-4330 or visit https://ww…
 
Our first episode is a quick one to introduce you to Mark Kemp and Todd Little, Certified Financial Planners (CFP) with Kemp Harvest Financial Group in Harleysville, Pennsylvania. Each episode, they'll break down important financial and retirement planning concepts and show you how to avoid common retirement pitfalls. They'll seek to keep each topi…
 
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