By Kyle Hill, CFP®
4.7
1212 ratings
The podcast currently has 24 episodes available.
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
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RESOURCES:
LMFAO - “Sexy and I Know It”
Chris Stapleton - “White Horse”
Charlie Blackmon Walk up
401k Plan
Roth 401k Plan
Vesting Schedule
Preferred Provider Organization (PPO) Plan vs. High Deductible Health Plan (HDHP)
Health Savings Account (HSA) limits for 2023 and 2024
Lively HSA Provider
Long-Term Disability Insurance
Term Life Insurance
Episode #4 - Life Insurance w/ Andy Flattery
Michael Pyle - Challenge Everything Financial
Website,
LinkedIn,
Facebook,
X (Twitter)
Kyle Hill, CFP® - Hill-Top Financial Planning, LLC
Website,
LinkedIn,
Kansas City Financial Advisors Network (KCFAN)
XY Planning Network (XYPN),
NAPFA,
FEE-ONLY Network,
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.
These are all questions that have probably popped into your head at one time or another when thinking about bitcoin.
Being intrigued but still skeptical about bitcoin, Kyle sits down with Andy to ask his honest questions about bitcoin.
Before they dive into bitcoin, the Hill boys define money for you. Not bad for a 4 and 6-year-old!
To skip the fluff go to the 25:20 mark.
Bitcoin Resources:
Satoshi Nakamoto While Paper
Who is Satoshi Nakamoto?
Nick Szabo
What is a Cypherpunk?
Merkle Tree
Blockchain
Satoshi Nakamoto = SAmsung, TOSHIba, NAKAmichi, and MOTOrola?
Halving Events
Block Reward
Bitcoin Mining
Mt. Gox
Brainwallet
El Salvador goes to Bitcoin
Value Investing
Austrian School of Economics
The Bullish Case for Bitcoin by Vijay Boyapati
Michael Saylor
The Bitcoin Standard: A Decentralized Alternative to Central Banking by Saifedean...
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:
Per usual, before we dive in we enjoy some fluff with Don as he shares his world travel adventures, and what we wanted to be growing up.
To skip the fluff go to the 41:35 mark.
RESOURCES:
Full House house
The Rock (movie)
Oracle Park
Cam Gallagher Catcher for the Kansas City Royals
RSUs (Restricted Stock Units)
Yellowstone (tv show)
Stranger Things (tv show)
Ozark (tv show)
Ted Lasso (tv show)
Yosemite National Park
Mickey Mantle
Machu Picchu
Don's Walk-up Song - “Song 2” by Blur (confirmed after recording; great choice!)
Kyle Walk-up Song - “Forever Young” by Bob Dylan
Episode # 17 “What Should you do with that old 401k?” w/ Ethan Hutcheson, AAMS®
What is a Roth IRA [Investopedia]
Roth IRAs [IRS]
Individual Retirement Arrangements (IRAs) [IRS]
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 continuum of housing services. Stephanie discusses her background, homelessness in Kansas City, some of the major causes of homelessness, and how reStart is working to help end homelessness. As CEO of reStart, Stephanie shares their biggest challenge and identifies what she believes are three keys to ending homelessness.
If you would like to make a donation to reStart check out their website.
Resources:
$600 Tax Deduction for MFJ Standard Deduction,
Hillcrest Transitional Housing,
Kyle's Walk-up Song: Beers on Me by Dierks Bentley ft. Breland, and Hardy
reStart Inc.
Website,
Facebook,
Twitter,
LinkedIn,
Email,
YouTube
Podcast Guest:
Stephanie Boyer, CEO - reStart Inc.
Website,
LinkedIn,
Podcast Host:
Kyle Hill, CFP® - Hill-Top Financial Planning, LLC
Website,
Email,
LinkedIn,
KCFAN (Kansas City Financial Advisors Network),
XY Planning Network (XYPN),
NAPFA,
FEE-ONLY Network,
CFP Board
*This podcast uses sounds from freesound: Dry Transition by Electroviolence , Metal Door Slam Shut by
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 the estate planning necessities for young adults.
Kyle hops on the mic with estate planning attorneys, Jessica Kimbrell of Kimbrell Estate Planning and Jamie Weese of Weese Law Firm. They discuss what is:
and how all of these are a part of a well-rounded, and well-planned Estate Plan. Every young adult needs an estate plan, especially if you have minor children or special needs children (which we touch on in the podcast).
“Advance Healthcare Directive and Living Will mean the same thing. How I describe this document is the ’Pull the Plug’ document” - Jessica Kimbrell of Kimbrell Estate Planning
Before they dive into everything estate planning for young adults, they discuss their favorite movies surrounding estate planning, their favorite Halloween candy - which no surprise Kyle’s is money related - and their favorite estate planning cases… and Kyle doesn’t like where Jessica’s is going.
Don’t wait, check it out now so you’re prepared for when life happens. As Forrest Gump’s momma says, “Life is like a box of chocolates, you never know what you’re gonna get.”
To skip the fluff, go to the 50:28 mark. However, it's not advised!
Resources:
Law Abiding Citizen (2009)
PFFTHT Episode # 17 - "What should you do with that old 401k"
Parks and Rec - Ron Swanson makes a Will
Knives Out (2019)
The Last Blockbuster
Little Big League (1994)
PFFTHT Episode # 12 - What the hell is a CERTIFIED FINANCIAL PLANNER™ (CFP®)?"
Howard Hughes Estate Planning Debacle,
The Complete Guide to Wills, Estates & Trusts (Book)
The Nobel Peace Prize started via a will
Terri Schiavo case
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:
There are important things to consider like taxes and your income when deciding what to do with that old 401k (or 403b, or TSP).
Before they dive into the topic, they discuss their favorite memories from K-State (pretty epic), good books you should check out, sports they wish they would have tried (apparently there are only two places in the U.S. where Kyle can try it out), and.... poop. Yep, we said it, poop.
Don't flench because you don't want to miss this!
To skip the fluff, go to the 30:30 mark. However, it's not advised!
Resources:
Backdoor Roth IRA and the Aggregation Rule,
IRA & Roth IRA Limits 2021,
WellnessForTheWin,
WellnessForTheWin Instagram,
The Bitcoin Standard (book),
Fortitude: American Resilience in the Era of Outrage by Dan Crenshaw (book),
Apocalypse Never: Why Environmental Alarmism Hurst Us All by Michael Shellenberger (book),
Josh Hutcherson,
The Reformed Financial Advisor Podcast - "How Should Patrick Mahomes Invest His $503 Million Contract?",
Glenn Gronkowski,
Where can you bobsled in the US?,
Episode #10 - "What the hell is a Financial Planner?",
Unemployment Rate & Statistics (Aug. 2021),
"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...
In episode 16, we're discussing what you need to know about selling a house, with Rockstar Realtor, Tony Long of Long Real Estate Team.
Round 2 with Tony Long and Kyle to discuss what you need to know when you’re thinking about selling your house. Kyle lays it out into a 4 Part Process:
Tony shares the important things you need to do to get the house ready to go to market. He takes off his realtor hat and discusses the pros and cons of getting a realtor or trying to sell your house yourself. What about being a Sell-Buyer (Selling your house while trying to buy a house)? Tony talks about structuring the deal to eliminate the stress of having to quickly find a house to buy.
Before they got started, they were shooting the breeze about the glory days in Manhattan, KS (the Little Apple), cereal, and of course.... wrestling. Who would win the Manhattan High Wrestling dual between Team 1998 vs. Team 2002? Kyle gets the expert, the head coach of both teams, to weigh in!
You don't want to miss this!
To skip the fluff, go to the 47:53 mark. However, it's not advised!
Resources:
Long for Realtor,
Overland Park Crossfit,
Coach Woodford,
Coach Woodford Bio,
Big Cedar Lodge,
Do you owe capital gains on the sale of your home? (NerdWallet),
Electric Boogie (The Electric Slide),
Yeah - Usher feat. Lil Jon, Ludacris,
Llama Llama Red Pajama - Ludacris
Earl Woods buried in Manhattan, KS,
Shawn Bammes Named MHS Wrestling Coach,
Nature Valley Baked Oat Bites Cereal
Tony Long, Principal Agent - Long Real Estate Team
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 that matter?!? Conventional, FHA, VA... we discuss all things mortgage, and the process for getting a mortgage to buy a house.
Before they dive into mortgages, they talk volleyball and what makes for the perfect kill, more wrestling, and their shoes growing up. As always, they top things off with some Five-Teen Minutes of Fluff.
This one is for the record books, our first explicit episode because Kyle said, "shit," and we don't want to get banned. :)
Tune in!
To skip the fluff, go to the (31:13) mark. However, it's not advised!
Resources:
Noah’s Bandage Project,
Jen Gile, the KC Dancing Star,
Vote for Jen!,
The BMA Foundation Annual Dine and Dance with the Stars,
Road Trip (the movie),
Air Jordan 11,
Millennials made up the largest share of home buyers at 38% in 2019 (statistics),
Types of Mortgages,
Debt to Income Ratio,
Mortgage Closing Costs,
Spencer Lee is tougher than LeBron James,
Iowa Hawkeye Volleyball Record Books, and Kill Master Jen (Bell) Gile,
Iowa Hawkeye Volleyball #6 All-Time Kills Leader, Jen (Bell) Gile (Page 8),
Rep. Dan Crenshaw Eye Surgery, and **
“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 questions to ask your perspective realtor. Tony also discusses the State of the Market, and how we got here. Before they got started, they had to do some catching up talking about babies, crossfit, and wrestling… and not that fake crap! Actually they did talk abou that too. Who were their favorite WWF wrestlers, and what are these guys walking out to? This is the longest show yet, but they’re hangin’ tough.
Tune in!
“It is a very bad idea (to waive inspections).” Tony Long of Long Real Estate Team
To skip the fluff, go to the 51:25 mark. However, it's not advised!
Benefits of owning a Home:
Recommendations prior to buying a home:
First Steps to buying a house (either order):
Contract on a House Contingent on:
After the Inspection buyer can:
Top Costly Things to be Aware of When Looking at a House to Buy:
How to find a realtor:
Resources:
Long for Realtor,
Overland Park Crossfit,
Coach Woodford,
Coach Woodford Bio,
Christina Aguilera,
Britney Spears “...Baby One More Time” (Album),
Taylor...
The podcast currently has 24 episodes available.