Better Money with Elements Financial

In this episode, Miranda is joined by four different parents who offer practical tips, real-life examples, and age-appropriate financial strategies to ensure children grow up with a strong financial foundation. They cover Essential conversations to have with your kids about money, effective activities to help children understand spending from a young age, financial products to prepare them for the real world and much more. Miranda is joined by: Liz Wertz, Vice President, LPL Financial Advisor, Elements Wealth ManagementEliza Claborn, Relationship Manager at Elements FinancialCurtis Dodd, Relationship Manager at Elements FinancialMichelle Payne, VP Marketing & Communications at Elements Financial Portions of this podcast episode were recorded virtually, away from the podcast studio. Please be aware that there may be some differences in audio quality. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision. Federally Insured by NCUA

During this episode, Miranda is joined by Indiana Attorney Kent Emswiller of Emswiller, Williams, Noland & Clarke, LLC to answer common questions regarding Estate Planning. During their conversation they cover what an Estate Plan is, the benefits of starting the process early, what information and documents you need to get started, and much more. To contact Kent directly to start the Estate Planning process, he can be reached at 317-257-8787. Their website is also accessible at www.ewnc-law.com. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. During this podcast, legal examples will be discussed. This podcast is for informational purposes only and should not be considered legal advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. Please consult a licensed attorney regarding your own situation and prior to making any decisions.   Federally Insured by NCUA

According to a recent survey conducted by Gallup, 61% of Americans are facing moderate to severe financial hardships due to the recent price hikes. If you are also struggling to cope with the current situation, then you might be looking for some guidance and support. Terri Mossbrucker joins the podcast to share her insights and discuss the topic with Miranda. She is a member of the Elements Financial Asset Recovery department and is well-equipped to help educate others on financial hardships. Terri has almost 30 years of experience in helping individuals with budgeting and finding solutions for difficult financial situations. -- Websites referenced in the episode:  Indiana Debt Relief: https://www.indianadebtrelief.org/ Indiana Hardest Hit Fund/Indiana Foreclosure Prevention Network: https://www.877gethope.org/    Statistics sourced: More in U.S. Say Inflation Is Causing Financial Hardship Americans Remain Discouraged About Personal Finances   Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision. Federally Insured by NCUA

On October 9, 2023 Elements Financial conducted their seventh annual Purpose Day - a day dedicated to giving back and serving the communities and causes we care about. As part of the day, Elements employees heard from Jennifer Bartenbach, the CEO of the Central Indiana Community Foundation. During this conversation with Miranda, the two discuss the importance of giving back and the different ways you can do so.  This episode was recorded live in front of an audience and may vary in sound. To learn more about Purpose Day 2023, visit elements.org/PurposeDay. To learn about CICF, visit cicf.org. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

Miranda is joined by Andrew Chalko, the Chief Financial Officer of Elements, to discuss the causes and effects of inflation. They will explore the sectors that are most affected by inflation and provide tips on budget restructuring to combat it. They'll also dive into the root causes of inflation, which businesses continue to be impacted, and practical ways to restructure your budget to mitigate its effects. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

Miranda is joined by Liz Wertz, LPL Financial Advisor at Elements Wealth Management. Liz shares the answers to the top five questions young professionals have when beginning to invest. Their conversation covers why it’s important to start investing for retirement while you are young, how to use a 401k and employer matching to your advantage, and additional ways you can invest to supplement your current strategies. To learn more about Liz and to contact her, visit her website at elements.org/LWertz.  To view the visual charts mentioned in this podcast, please contact us at bettermoney@elements.org.  The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). For hyperlinks to FINRA and SIPC, please refer to ‘See Contact Info’ section above. Insurance products are offered through LPL or its licensed affiliates. Elements Financial Federal Credit Union and Elements Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Elements Wealth Management, and may also be employees of Elements Financial Federal Credit Union These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Elements Financial Federal Credit Union or Elements Wealth Management. Securities and insurance offered through LPL or its affiliates are: • Not Insured by NCUA or Any Other Government Agency • Not Credit Union Guaranteed • Not Credit Union Deposits or Obligations • May Lose Value Your Credit Union (”Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institutions to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

In this bonus episode, learn about Butler University's innovative approach to higher education accessibility from Dean Esteves, Executive Director of Butler University’s Office of Strategic Engagement, as they revolutionize traditional methods. Learn more about Butler's Office of Strategic Engagement at: https://www.butler.edu/strategic-engagement/ Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

College graduation season is here and many young adults are embarking on a new chapter in their lives. This can often bring about challenging life lessons, especially in regard to finances. In this episode, Miranda is joined by Eliza Claborn, Elements Relationship Manager, to provide guidance on navigating finances for those in their early twenties. Later in the show, Dean Esteves, Executive Director of Butler University’s Office of Strategic Engagement, shares valuable advice on managing money that he wishes he had known in his younger years.  Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

In celebration of International Women’s Day and Women’s History Month, Miranda is joined by Life Coach Andrea Liebross to discuss the history of women and money and how Andrea helps build confidence and empower women to be unapologetically successful. Andrea is a Certified Business and Life Coach, Podcast Host, and Certified You Need a Budget Coach who specializes in helping women holistically achieve peace and success in all aspects of their lives.  Andrea can be reached at https://andrealiebross.com/ Her podcast - "Time to Level Up with Andrea Liebross" is available wherever you listen to podcasts. Andrea's social media pages, including Facebook, Instagram, LinkedIn, and more are also available from her website.  Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

A fresh year can bring a renewed sense of determination and feelings of a fresh slate. In this episode, Miranda is joined by Charles Akinbola, the credit union's Talent Acquisition Partner. The two discuss gradual betterment by looking at healthy mindsets around progress and how to find a balance to make that betterment truly beneficial long term. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

The holiday season is a time for family, friends, and memories. With it, however, comes the stress of holiday spending. We chat about unique ways to approach gift-giving, how children impact gift-giving strategies, and more. Our Community Corner section features our partners from Goodwill of Central And Southern Indiana. Director of Retail Stores, Travis Darden, joins to talk about the impact and benefits of shopping with Goodwill this holiday season. To explore items Goodwill has available, visit shopgoodwill.com. Thanks for listening in 2022 and we'll see you next year! Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

Elements Chief Financial Officer and Executive Vice President Jeff Joyce joins the podcast to talk all things rates and inflation. We'll dive into the basics of inflation, how it impacts borrowing and saving, and who determines what rates will be.  Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

We sit down with personal chef Tanorria Askew of Tanorria’s Table to chat about her work to make good food more accessible to all. We learn about what skills and tools you should always have in the kitchen - even if you’re not a chef. We talk about when to buy fresh, when to buy bulk, and much more. Listen to the episode to find out how you can enter for a chance* to win a copy of Tanorria’s book "Staples +5." *Better Money with Elements Financial Staples+5 Book Giveaway Contest Rules — No purchase necessary to win. Must be 18 years of age or older to enter. Odds of winning depend on number of entries received. Employees, independent contractors, officers, and officials of Elements Financial and Tanorria Askew/ Tanorria’s Table, their affiliates, subsidiaries, and immediate family members of each, are not eligible to participate in the contest. By entering the contest, entrants agree to release and hold harmless Elements Financial, its affiliates, subsidiaries, officials, officers, employees from any and all liability for any injuries, loss, or damages of any kind arising from, or in connection with, this contest. To enter, send an email to bettermoney@elements.org with “Staples+5” as the subject line. Please include first and last name and a telephone number. One entry per person. The contest runs from September 21, 2022 – October 21, 2022. Five (5) winners will be drawn at random and contacted by Elements Financial based on the prize (shown below). The winner has 48 business hours to claim the prize. If not claimed, a new winner(s) will be chosen at random. All decisions of Elements Financial with respect to the contest are final. Prizes are not transferable, assignable, or redeemable for cash. Prizes are offered “as is”. Elements is not responsible for replacing prizes as a result of damage prior to, during or after shipping or events beyond the control of Elements. All applicable federal, state, and local taxes, if any, are the sole responsibility of the contest winner.  The winners agree to the release of their names and to be shown on social media. If the winner(s) does not accept the terms, new winner(s) will be chosen at random. One prize (winner) per person and household. There are five (5) total winners, prize includes: One (1) copy of Staples+5 – 100 Simple Recipes to Make the Most of Your Pantry ($20 Value) Elements does not endorse “Staples+5”, the author, or recipes or concepts or viewpoints  included in the book. You may also enter by printing your name, telephone number, and email address on a 3x5 index card, and mailing the entry (postage prepaid) to: Elements Financial, c/o Marketing for “Better Money with Elements Financial Staples+5 Book Giveaway Contest” 225 South East Street, Suite 300, Indianapolis, IN, 46202. Elements reserves the right to amend or discontinue the offer at any time. Contest is VOID WHERE PROHIBITED BY LAW.  Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.  Federally Insured by NCUA

Elements Financial's VP, Director of Mortgage Lending Julie Bowering the show to discuss what having an increased home value and potentially equity available means for you. Learn how to tap into your equity, what a Home Equity Line of Credit is, and much more.  Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA  Equal Housing Lender Nationwide Mortgage Licensing System: Elements Financial FCU 410639

In this bonus episode, we're joined by Tara Kamm, Managing Director of Finance for Republic Airways to take a closer look at the airline industry. We'll discuss the contributing factors of inflation in airline travel, what Republic is doing to create the next generation of aviation professionals, and much more. Republic Airways was founded in 1974 and is based in Indianapolis, Indiana. Republic is one of the largest regional airlines in the U.S. with nearly 1,000 daily flights to 100 cities in 40 U.S. states, Canada, the Caribbean, and Central America. Republic offers fixed-fee flights operated under our major airline partner brands of American Eagle, Delta Connection, and United Express. To learn more, visit rjet.com. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

The cost and logistics of traveling can sometimes outweigh the destination. With increased gas prices and airline travel becoming unpredictable, what are the best ways to manage these while staying within our means? Miranda is joined by fellow Elements employees Abbey Askew and Karmen Johnson to chat through some ways you can incorporate cost savings into both your everyday and leisure travel plans. Then, Republic Airways' Managing Director of Finance, Tara Kamm, joins the show to discuss the airline industry.  Listen to our bonus episode with Tara and Republic Airways for a more in-depth look at airline travel. Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA

Kids of all ages can find something that fits their budget when coming out to a game at Victory Field. Indianapolis Indians Director of Communication Cheyne Reiter joins the podcast to discuss affordable family fun for the current season. Learn more about the Knot Hole Kids Club, special character appearances, the Elements Financial Club, and more.   Interested in ticket discounts or have questions? Email bettermoney@elements.org to learn more.  Federally Insured by NCUA

Do you find yourself comparing your lifestyle to those you see on social media? In this episode we discuss the idiom ‘Keeping Up with the Joneses’ and how you can align yourself for financial goals with wants vs. needs.     Federally Insured by NCUA

Featuring Doug Jeffs, AVP of Consuming Lending & Credit Manager at Elements. Do you know what underwriters do? Many consumers might not. Join us to learn about the guidelines they use when making decisions. Learn some tips to recover from financial hardship and how to better establish your credit prior to applying for a loan. Federally Insured by NCUA Equal Housing Lender

Featuring Justin Montour, Mortgage Loan Originator at Elements, and Realtor Amy Spillman. Househunting can lead to the largest purchase of your life. Join us to better understand what happens next after you find that home of your dreams. Equal Housing Lender