In today's fast-paced world, navigating the complexities of financial planning is very difficult at times. Many individuals find themselves asking, "What exactly does working with a financial advisor entail?" Today we’re going to shed light on this very question, offering a comprehensive guide to understanding our role and our process for planning.

Join Todd and David as they take listeners on a journey through their six-step approach to financial advising. They emphasize the importance of aligning financial goals with personal values, a concept that resonates deeply throughout the episode. As Todd aptly puts it, "If our goals don't line up with our values, there's a disconnect, and we're oftentimes doomed to failure." This foundational principle serves as the bedrock for their unique approach to financial planning.

For anyone considering working with a financial advisor, this episode is a must-listen. It not only demystifies the process but also highlights the importance of aligning financial decisions with personal values.

Here’s some of what we discuss in this episode:

• How faith drives Todd and David in their financial decision making.
• Why it’s so important to align your financial goals with your values.
• The process of getting to know your team at Kemp Harvest.
• Every client is assigned an onboarding specialist to help facilitate the process.
• A look inside the six-step process we work through.

Contact:

If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/

One of the first questions that anyone asks before working with a financial advisor is how do you get paid? It’s a great question because there are different fee structures, and understanding what each means can help you choose the right type of service for your needs.

In this episode, we’ll down the different ways that advisors get paid and the types of clients often drawn to these different types of advisors. We’ll break down the four main categories of financial advisory services: do-it-yourself, product-based, fee-for-service, and partnership. So whether you're a DIY investor, need a specific financial product, seek comprehensive planning, or want a long-term partnership, this episode will guide you through the pros and cons of each option.

Ultimately, it’s important that you build a true partnership with your financial advisor and we hope this show helps make that easier.

Here’s some of what we discuss in this episode:

• The four types of clients in financial planning.
• How commission-based payments work.
• Payment by way of a planning fee and how this is structured.
• How the relationship between advisors and clients is a genuine partnership.
• Advisors who are paid a fee based on how a portfolio performs.

Contact:

If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/

As we approach the fall, many employees will soon receive emails from their HR departments about open enrollment for the 2025 calendar year. This period is crucial for reviewing and selecting the benefits that best meet your needs. To help us better understand our options and what coverage is best, we are excited to have Kelly Brownell, a seasoned expert in open enrollment and employee benefits, on the show for this important episode.

Here’s some of what we discuss in this episode:

• Why open enrollment is important and what the open enrollment period allows you to do.
• Non-health insurance benefits to take a look at as an employee during open enrollment.
• Where you should go to get your questions about benefits addressed.
• Under what circumstances can you change your benefits mid-year?
• The future of employee benefit packages.

Connect with our guest: https://www.linkedin.com/in/kelly-brownell-28b182156

Contact:

If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/