Episode 8

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Published on:

17th Dec 2020

Episode #8 - I was in an Accident!

“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 what liability limits are and what liability limits you should carry. Being a growing trend in auto insurance, Telematics gets discussed too. Lastly, they wrap up with Kyle's two recent car accidents he was in (not at fault by the way)! What did he do right? What did he do wrong? Find out by listening!

Per the usual, they kick it off with some fluff about KU of all things.... not sure how that happened. If you want to know what they want for Christmas, here's your chance. Is Die Hard a Christmas movie? Maybe you have the answer. You’re going to get jacked with Ryan's walk up song… and you'll probably want to throw some aviators on for Kyle’s.

Tune in!

"I look at independent insurance agents a lot like independent financial advisors." Kyle Hill, CFP®

Skip the Fluff go to: 48:08

Resources:

Left Handed Presidents,

Playstation 5 (looks AWESOME!),

Bowflex SelectTech Dumbbells,

Matthew Berry Love/Hate and Why Die Hard is a Christmas Movie,

Jingle All the Way,

Christmas Trap Music,

Liability Coverage Explained,

Telematics Devices,

Telematics: Who, What & Why?,

More on Telematics,

Dave Ramsey ELPs,

Ryan’s Walk-up Song: Saliva - Ladies and Gentlemen

Kyle’s Walk-up Song: Kenny Loggins - Danger Zone

Ryan Gerstner - Prime Insurance Agency

Dave Ramsey ELP

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC

XY Planning Network (XYPN),

FEE-ONLY Network,

*This podcast uses sounds from freesound: Dry Transition by Electroviolence , Metal Door Slam Shut by ecfike, and Scream by ngrib

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About the Podcast

Personal Finance from the Hill-Top

Smart, Practical Personal Finance for Every Stage of Life

There are plenty of retirement podcasts out there, but what about the financial challenges facing families, professionals, and retirees navigating life today? Personal Finance from the Hill-Top (PFFTHT) brings you real, straightforward conversations about money—without the confusing industry jargon.

Hosted by Kyle Hill, CFP®, owner of Hill-Top Financial Planning, LLC, this podcast dives into the financial topics that actually matter to you:
✅ How to build wealth while raising a family
✅ Saving for college and retirement at the same time
✅ Smart tax strategies for high earners and retirees
✅ Investing, insurance, and making confident financial decisions
✅ Avoiding common money mistakes and planning for the future

You’ll hear expert interviews, real-world financial tips, and practical advice you can actually use—whether you’re in your 30s juggling career and kids, in your 50s preparing for retirement, or somewhere in between.

💡 Join us as we break down personal finance in a way that’s fun, engaging, and built for real life.

🎧 Subscribe now and start taking control of your financial future!

About your host

Kyle Hill, CFP®

Kyle is a CERTIFIED FINANCIAL PLANNER™ professional and owner of Hill-Top Financial Planning, LLC, an independent financial planning firm that he started to help younger adults develop financial confidence and create a path to financial independence. He provides comprehensive financial planning and investment management services. With his subscription model (think Netflix for your finances) he's able to bring objective, Fee-Only advice to an underserved population, Younger Adults. He lives in Kansas City, MO with his wife, two boys, and two bassador dogs (Bubba & Charlie Gibson... yep, after the former news anchor!).