The Margaritas with Marguerita Cheng, CFP® Pro Show

Wealth Management EDGE, Sept. 14, 2023 — Reaching career heights and achieving client goals on the road to success is the mission for Marguerita Cheng, CFP® Pro. In this episode of the WealthManagement EDGE Podcast, special guest host Nabia Jenkins-Johnston talks one-on-one with Marguerita Cheng, CEO of Blue Ocean Global Wealth, about her path to success as a financial planner. Marguerita shares her insights on establishing trust, the power of authenticity, and her inclusive approach to working with clients from diverse backgrounds and multiple generations. Nabia and Marguerita discuss: Building credibility before entering the financial planning profession. The importance of authenticity and Inclusivity in creating judgment-free spaces for clients to discuss their financial situations openly. Early planning to secure financial futures for clients of all ages. Working with multi-generational families toward a life plan. Click here to listen to the podcast now!  Learn more: WealthManagement EDGE Podcast

August 11, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off learning from industry experts how to flex our financial muscles.  Meet our guest: Corey Beal, CEO and Director of Joy, at Empowering Finance Today's Topic: Financial planning for the bold, the ambitious, and the badass Rita asks Corey:  How did you get into financial planning and what has your journey been like? What inspired you to start your own financial planning practice? What do you most enjoy about your career and what do you like the least? What makes you different than others in the financial planning field? What type of people are your dream clients? About our guest: Corey Beal is the CEO and Director of Joy at Empowering Finance. After more than a decade of experience in financial planning and wealth management, she decided to take the leap to launch her own firm so she could work with the bold, the ambitious, and the badasses of the world. Empowering Finance helped her finally chase her own rainbow—the goal of using her authenticity, financial knowledge, and a dash of glitter to connect with people and enable them to pursue their own passions and goals. Corey was the recipient of Investment News' 40 Under 40 Award in 2022 and worked with clients nationwide, either on an hourly or flat-fee model. When she is not working with her amazing clients, she loves traveling, is obsessed with crystals, and always looking to try a new pop-up restaurant in sunny Portland, OR, where she currently resides. Learn more at empoweringfinance.com. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

August 4, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Cary Carbonaro, author of The Money Queen's Guide: For Women Who Want to Build Wealth and Banish Fear Today's Topic: Top things women need to know about money Rita asks Cary:  What is your mission and Dharma? Why is your passion helping women? What should women be doing to protect their financial future? Tell us about your second book. What are the top things women need to know about money? About our guest: Cary Carbonaro is an award-winning Certified Financial Planner professional with over 25+ years of experience. She is a tireless advocate for women in the financial industry and is passionate about increasing financial literacy and empowering women to overcome any financial challenge they face. Before joining ACM Wealth, Ms. Carbonaro was Vice President, Head of Office at Goldman Sachs. At United Capital,  she founded and served as Head of Women's Leadership.  She was a Managing Director,  Partner,  Voice of the Women, Finlife Coach,  Managing Director Most Valuable Player, and her financial planning practice was a Diamond office winner. She is a CFP® Board Ambassador and was appointed to represent the industry in the media. She is the 2016 recipient of the prestigious Investment News Women to Watch award and was ranked #4 on Investopedia's Top 100 Financial Advisors list in 2019. She was listed in the Top 100 Investopedia in 2018-2020.  Her expertise is highly sought after, and she has offered commentary while appearing on both local and national television news outlets. Cary spearheads the establishment of the Women and Wealth division of ACM Wealth, which aims to provide women and families with strategic financial planning guidance and wealth management support to help them live the lives they want. She has spoken all over the world on financial literacy for women. Learn more at carycarbonaro.com. About the Money Queen's Guide: Are you a material girl? The truth is that, as women, we all have a unique relationship with money. We strive for financial security to support our family, ensure we can retire comfortably, create independence separate from our partners, and buy some nice purses along the way. As much as we are motivated to make money, we often do not consider the crucial relationship between what we do today and how it WILL impact our life tomorrow. From your Roaring 20s to your Thrifty 30s and to your (hopefully) Smooth 60s, The Money Queen Guide will work to guide you through each of these financial decades and provide insight and detailed guidance into the steps you can take and the decision you should make to build a financially responsible future. Financial security is an exciting journey we can take together. So pack your purse and get ready for the ride. Click here to buy the book! Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

July 28, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Ashley Quamme, a Licensed Marriage and Family Therapist, Financial Behavioral Specialist®, and Certified Financial Therapist-Practitioner™ Today's Topic: How couples can communicate better around money — and how they can create shared goals and meaning to create a life well lived.  About our guest: Ashley Quamme is a Licensed Marriage and Family Therapist, Financial Behavioral Specialist®, and Certified Financial Therapist-Practitioner™. She is the owner of BAM Financial Consulting, where she provides fractional CFO services to financial advisors and firms, with a focus on improving the relational aspect both within the firm and with clients. In addition, she maintains a clinical practice, The Wealthy Marriage, where her focus is helping couples with financial relational problems. On the personal side, she is a wife and mother of 2. When not serving as an Uber driver for her kiddos, she is gardening or spending time on the lake. You can connect with her on Twitter, LinkedIn, or through her website www.bamfcc.com. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

July 21, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend learning from industry experts how to flex our financial muscles.  Meet our guest: Christine Simone, co-founder of Caribou Today's Topic: Wealth Management with a Healthcare Twist Rita asks Christine:  What brought you into the world of wealth management, given your background is in healthcare? How are you seeing retirees plan for future healthcare costs? What're some tips or tricks when it comes to saving for or paying for healthcare that people need to know? What are key life events where people need to look at their healthcare costs and re-evaluate their costs and insurance options? What do you love most about the work you do? About our guest: Although she's years away from her own retirement, Christine Simone is obsessed with helping current and future retirees plan for and optimize their healthcare costs. She's held notable leadership positions within the healthcare industry, working with key stakeholders from payers to providers to the Veterans Affairs. Now, Christine is the CEO and co-founder of Caribou, a software solution for the finance industry. She's driven by her passion for slashing hidden incentives in healthcare to support smarter financial decision-making, and she is within the small fraction of women founders who have raised venture capital. Click here to learn more about Christine's company: CaribouWealth.com Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

June 14, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Risk Management specialist Terrell Joyner, Financial Advisor, Charter Oak Financial Today's Topic: Risk Management for clients new to being in the high-net-worth category Rita asks Terrell: From women receiving a large inheritance to ensuring a financial legacy continues with the next generation, tell us about your clients and the situations they face You also help your clients work with their children so they can be prepared for an inheritance but not reliant on it. What advice do you give them? Risk management is your specialty. How do you respond if your clients say they have a risk management plan in place — but do their children have to worry about having their own plan? What happens when clients receive their inheritance at the height of their careers? Should they be concerned that the investment portfolio is going to cause tax inefficiencies in the plan?  What are some strategies for helping them mitigate this risk? About our guest: A Connecticut native and graduate of Western New England University and Springfield College, Terrell says he puts his passion at the forefront of his practice. He has helped numerous business owners find solutions to their financial concerns and implement strategies to grow their businesses. His personal planning practice focuses primarily on educators. As the spouse of a teacher and an adjunct professor at Elm's College, Terrell understands the struggle teachers face balancing their workload and personal lives. Terrell believes that proper planning and understanding one's goals can help to overcome financial restraints. As a member of the LGBT community and a founding member of the MA LGBT Chamber of Western Mass, Terrell is a champion for equality and social justice. His belief that the needs of his clients are best served through diverse perspectives and skill sets inspires him to teach minority- and women-owned business leaders how to run their businesses like true corporations. Terrell's charitable interests are a direct reflection of his professional passion: He teaches financial literacy to both students and adults and serves on numerous boards and advisory committees. In his spare time, he loves to garden, golf, barbeque, and brew homemade wine. Learn more here: charteroakfinancial.com Disclaimer: The information provided today is not intended as specific tax or legal advice.  MassMutual, its employees and representatives are not authorized to give tax or legal advice.  Individuals are encouraged to seek advice from their own tax or legal counsel.  Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

A Note from Marguerita Cheng, CFP® Pro — We are thrilled to share with you Episode 100 for Margaritas with Marguerita! This show has been an amazing opportunity to share the stories and voices of so many financial experts, entrepreneurs, and authors with our audience. I know you are going to love the star of this important episode! Meet our guest: Sheena Yap Chen, author of "The Tao of Self Confidence: A Guide to Moving Beyond Trauma and Awakening the Leader Within" Today's Topic: What is the Tao of Self-Confidence — and how can we all get it? Rita asks Sheena:  What is the Tao of Self-Confidence? What made you decide to write this book? Tell us about your background. Have you always been self-confident? What are 3 key things our audience can take away today to help them feel more confident? About our guest: Sheena Yap Chan is a keynote speaker, podcaster, consultant, and author on building self-confidence. She currently inspires women through her award-winning podcast called The Tao of Self-Confidence where she interviews Asian women about their inner journey to self-confidence. Her mission is to help Asian Women boost their confidence to live their authentic selves, help Asian Women create a voice in the world, and create a stronger representation for Asian women. Sheena has been featured on MindValley, slice.ca, Marketing in Asia, Manila Times and more. She is also the TOP 100 Filipinos to follow on LinkedIn for inspiration and learning in 2020. She is also the co-author of the International bestselling book Asian Women Who Boss Up. You can learn more about Sheena and connect with her on her website​​​​​​​, iTunes​​​​​​​, Spotify​​​​​​​ , and Stitcher​​​​​​​. Learn more at sheenayapchan.com. About the book: In 2021, women represented 54.3% of the US workforce but only held 35% of senior leadership positions. Of that percentage, only 2.7% of Asian women were seen in management roles. While there have been great leaps for women in the workplace in the last decade, women of color still fall behind. The Tao of Self-Confidence book sets a foundation to help Asian Women start being seen as leaders in work and life rather than by our stereotypes. In order to move forward with true confidence, we must learn the lessons our challenges have taught us and heal our trauma. With an honest and vulnerable approach, Yap Chan discusses and explores the specific challenges our community faces, historically and now in the midst of the pandemic, intergenerational and historical trauma, false stories we tell ourselves, and how we can rise above stereotypes. We'll tap into our inner joy, celebrate our authentic self, and awaken the leader within. Click here to order your copy of the book! Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

June 30, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial and entrepreneurial muscles.  Meet our guests: Julia Taylor Brandus, 11, author of "Girl to Boss!" — and her dad, award-winning journalist and author Paul Brandus  Today's Topic: The journey from "Girl to Boss:" How this daughter-father team made a dream come true Rita asks Julia and Paul:  Tell me about Girl to Boss! Who should read this book? You also have some interesting data about women in the workforce. This was one of your motivations behind writing the book. Can you explain? You're working with a charity too. Tell me about that! How can girls — and Moms and Dads — learn more about this incredible project? Click here to pre-order the book: Available September 2023! About our guests:  Julia Taylor Brandus, 11, is a sixth grader in Virginia. She plays basketball and soccer, reads, and is learning to play the bass. She lives with her mom, dad, and Poppy the Corgi. This is her first book. Paul Brandus is an author, columnist, keynote speaker, broadcaster, and podcaster. A speaker at seven presidential libraries and various organizations in the United States and Europe, he has been a member of the White House press corps and White House Correspondents Association since 2008. He founded the widely-followed West Wing Reports ® (Twitter: @WestWingReport) news service, is a business columnist for Dow Jones/MarketWatch, and is the Washington bureau chief for Evergreen Podcasts. He has written five books on presidential and military history and a biography of Jacqueline Kennedy between her two marriages. He is working on a new book - Silicon Prairie - which focuses on America's so-called Rust Belt Renaissance. His three podcasts for Evergreen have won gold or silver Muse awards. Paul has spoken at schools such as the Columbia University Graduate School of Journalism, served as Executive-in-Residence at Washington & Lee University, and has appeared on NBC's Today Show, CNN, PBS, CSPAN, the British Broadcasting Corp., Canadian Broadcasting Corp., and others. He served on the Board of Governors of the Overseas Press Club of America as its Washington, D.C. representative. He previously worked at NBC News and CNBC and worked for five years in Moscow. He is also an early-stage venture capital investor and, as an entrepreneur, once purchased the Russian rights to the Super Bowl from the National Football League – becoming the first person to show the game in Russia. Learn more at paulbrandus.com. And click here to learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

June 23, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend learning from industry experts how to flex our financial muscles.  Meet our guest: Robert Pagliarini, author, Badass Retirement Today's Topic: What is a Badass Retirement? Rita asks Robert:  A Badass Retirement sounds interesting. What is it? I loved your Instagram post about retirees don't need to be bubble-wrapped. I noticed you post a lot about how the culture and the media portray older people badly. What do you mean by that? You say retirees have one job in retirement. What is it? Sometimes I see you in posts with a shirt that says "Retirement is not the finish line." Can you talk about that more?  We often hear about "safe spaces", but you recommend creating an "unsafe space" in retirement. Why?  Why do you think adventure is so important for retirees? About our guest: Robert has a Ph.D. in retirement planning and is a Certified Financial Planner. He's been working with retirees for nearly 30 years. He's written five books and his most recent is Badass Retirement: Shatter the Retirement Myth & Live with More Meaning, Money, and Adventure. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

June 2, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Liz Simmie, Co-Founder, Honeytree Investment Management Our Topic: Everything you need to know about ESG (Environmental, Social, and Corporate Governance) Rita asks Liz:  What is ESG? Why are investors interested in investing in ESG and impact-related products? Is ESG political? How is ESG data being standardized? What are the options available for investors looking to invest in ESG products? About our guest: Liz co-founded Honeytree Investment Management, an asset management firm focused on responsible growth based in Toronto. Together with the team, she manages Honeytree's concentrated active investment strategies for institutional and private clients.  Honeytree believes what is traditionally seen as ‘ESG' data is just as important to assessing a company's long-term growth and risk as traditional fundamental data – and we integrate them both equally in our investment process.  We are proud to be one of the handful of women-led responsible asset management firms globally leading the conversation.  Prior to founding Honeytree, she worked at Bristol Gate Capital Partners, a leading active management firm, and before that, she worked in quantitative market research for Ipsos. Liz has BA in Economic Statistics and History. Liz lives with her husband and three kids in Toronto. Learn more: honeytreeinvest.com Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com• Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

Jan. 27, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet our guest: Jeannie Dougherty, money expert and mental fitness strategist Today's Topic: When it's time to call in a coach! Rita asks: Why did you become a money coach? What are some of the biggest money mistakes individuals and couples make? What is money sage power? When is a good time to hire a money coach? What's your money coaching money boot camp about? About our Guest: ​As a determined woman ready to make a positive impact on the world, Jeannie Dougherty continues to help people from all walks of life. She is a coveted counselor, certified money coach, mental fitness coach, and speaker. Moreover, she works with businesses, individuals, and couples to help them find better ways to reach their goals. Over the years, her efforts have earned her a reputation among clients who are ever eager to vouch for her holistic services. Ever since the beginning, Jeannie has immersed herself in a myriad of meaningful activities. She graduated with a Master's degree in Counseling from Ottawa University. She also graduated from the prestigious Money Coaching Institute as a Certified Money Coach for Individuals, Couples, and Businesses.  She's passionate about her area of expertise, Jeannie set forth on her quest to do great things. Evidently, her perspective on life is simple and she's wholly gentle in her approach with the clients. That's exactly why her customer base continues to grow today. Learn more at jeanniedougherty.com Meet Marguerita Cheng, CFP® Pro: MargueritaCheng.com Listen to Rita's podcasts: www.MargueritaChengRadio.com Watch all of the episodes of the Margaritas with Marguerita show: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Today's topic: Mastering the art of financial planning Rita asks: Tell me about your background in the industry. What makes you good at what you do? What are some important lessons you've learned over your career? In your opinion, what is the most important personality trait/strength someone would need to work in your industry/be successful in your job? What advice would you give to someone starting out in your career? Meet our guest: Carol Cho, CLU®, ChFC®, is obsessed with helping her clients unravel and demystify financial planning through education. She is driven by a passion for building relationships through compassion and generosity. She is a financial advisor with IRC Wealth, an SEC-registered investment firm based in Atlanta, Georgia. Her clients come from a variety of wealth-building and money-knowledge stages with a unifying characteristic– they are motivated and actively engaged in the pursuit of financial freedom. Carol's extensive experience in comprehensive insurance and investment planning results from the many roles she's held within the FinServ industry. She is especially passionate about educating women on the importance of long-term care planning and helping young women change how they think about their money and learn to advocate for their worth. In addition, she serves on the Board of Money Weave Academy, a non-profit on a mission to provide comprehensive financial planning education for women. She was born in NJ and earned her bachelor's degree from Rutgers University. She resides in Jersey City, NJ, with her partner, Troy, and their fur baby, Meishka. Her hobbies include gymnastics, CrossFit, and traveling. She has been to nearly 30 countries and has lived in 3! She enjoys learning new languages and planning her next adventure. Click here to connect with Carol on LinkedIn. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to our podcasts on www.MargueritaChengRadio.com • Watch all of our episodes: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Today's Topic: Sustainable investing and the rise of the activist investor featuring author John O'Connell Rita asks John:  What is an activist investor? What changes are coming together to cause a rise in activist investors? How is activist investing different from ESG or sustainable investing? What will be the effect of the Rise of The Activist Investor? Meet our guest: John O'Connell has more than 29 years of leadership experience in emerging businesses and mature, established organizations. He started his career designing and developing financial applications at Merrill Lynch and KPMG Peat Marwick. John then transitioned from developing technology into sales and marketing while leading the financial services vertical for Sybase. John was a member of the senior leadership teams for several startups culminating in an IPO and packaging 2 other firms for their sale. He returned to Merrill for several years and until its acquisition in 2008. He held North American leadership positions at Oracle for over 8 years. He was the president of a private FinTech firm and held C-level customer-facing roles at publicly traded InsureTech and FinTech firms. John was inspired to become an author for his three daughters, who are part of the Emerging Wealth Class. "They have solid careers and are interested in growing their wealth, but they were not prepared in school for investing," John believes. "Like many of their friends in the emerging wealth class, they live through social movements, are socially conscious, and want their investments to reflect their values." In his book, John explains that the Emerging Wealth Class will inherit an estimated $30 to $68 trillion in the expected Great Wealth Transfer when their aging parents die and transfer their accumulated wealth to their adult children. "Wealth has an enormous power to change companies and how they behave. "What happens if a company you think is a good investment does not align with your values, or worse, you've invested in them, and the company turns away from your values? How about companies that you believe are excessively paying their executives at the expense of their workforce? How can you change the direction of these companies? The Great Wealth Transfer in the hands of socially conscious investors will give rise to an activist investor movement." Click here to learn more about John: john-oconnell.com. Find his book for sale on Amazon. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to Rita's podcast show, Margaritas with Marguerita, on her radio channel: MargueritaChengRadio.com • Watch all of the show's video episodes on Rita's YouTube channel: www.MargueritaCheng.tv

Feb. 24, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet today's guest: Tony Steuer, a champion for financial wellness and financial inclusion Today's Topic: Championing financial wellness and financial inclusion Rita will ask Tony:  What is your origin story? How did you get started in financial wellness? Why is important to change how we think about money? Why is financial wellness a social justice issue? How can we increase inclusion in financial wellness? What is the Get Ready Movement? Why should people create a personal money manifesto? Why is a financial calendar a great way to help people stay prepared? How can members of the traditional financial services community collaborate rather than compete with non-traditional financial service providers like financial coaches or personal finance gurus? About our guest: Tony Steuer, CLU, LA, CPFFE, is an internationally recognized financial wellness advocate, award-winning author, and podcaster. He is the creator of The Get Ready Movement, which helps people create their own personal money manifesto and uses a financial calendar so that people can stay prepared. The Get Ready Movement provides a framework for integrating financial products, financial advice, and advisors. Tony is also an Adviser at Paperwork and Dingo Technologies.  He is a contributor to ForbesAdvisor, as well as an expert content reviewer for Nerdwallet. Tony is a member of ThinkAdvisor's LUMINARIES Class of 2022 as a Finalist in Thought Leadership & Education. Tony served as a long-term member of The California Department of Insurance Curriculum Board. Known as a trailblazer in financial wellness, Tony's mission is to change how we think about money. Tony is regularly featured in media, including ABC's Seven on Your Side, Cheddar TV, New York Times, the Washington Post, Fast Company, Chicago Tribune, CNBC, and Fox Business News. Tony is also a frequent podcast guest. Learn more at tonysteuer.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to Rita's podcast show, Margaritas with Marguerita, on her radio channel: MargueritaChengRadio.com • Watch all of the show's video episodes on Rita's YouTube channel: www.MargueritaCheng.tv

Feb. 17, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet today's guest: Claudia Porter, CFP®, Personal Economic Advisor, Financial Reserve  Today's Topic: What is the value of an economic advisor? Rita asks Claudia: When did you first know you wanted to enter the financial services industry? You pursued an academic career in linguistics. What prompted your career change to the financial services industry later, and how did you do it? What challenges did you overcome in building your new career as a financial advisor? What prompted you to pursue CFP® certification? About our guest: Claudia Porter joined Financial Reserve in 2016. She is a Certified Financial Planner™ professional and holds FINRA Series 7 and 66 licenses with Cambridge Investment Research and life and health licenses. Born and raised in Germany, Claudia earned her M.A. in Teaching English and French from the Georg-August University of Göttingen, followed by a Ph.D. in Applied Linguistics from the Technical University of Braunschweig Carolo-Wilhelmina in Germany. She spent her previous academic career in adult education, teaching linguistics and English to international students in Germany and the U.S. Before joining Financial Reserve, she worked with Merrill Lynch Wealth Management. Claudia is the mother of four boys, Jack, Leonard, Nicholas, and Harry, with whom she enjoys pursuing outdoor activities, tennis, swimming, biking, fishing, and reading. Learn more at: www.financialreserve.com Please note: Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to Rita's podcast show, Margaritas with Marguerita, on her radio channel: MargueritaChengRadio.com • Watch all of the show's video episodes on Rita's YouTube channel: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet our guest — Pamela Jackson Sams, a strong voice in personal finance for women Today's topic: The importance of providing financial advice to women Rita asks Pamela: How did you get started in financial services? What are some of the challenges you had early in your career? What keeps you going as an advisor? Tell me about your behavioral advisor designation. Share some words of wisdom for women in this industry. About Pamela Jackson Sams: For 20 years, Pamela has been helping women improve their personal and financial wealth through solid financial life planning. She focuses on helping her clients secure their financial futures so they can sleep well at night. Pamela has become a strong voice in personal finance for women. Her knowledge in this area has made her a sought-after speaker. She has been quoted in articles in various financial publications. She has a membership in the Million Dollar Roundtable (MDRT), a universally recognized mark of excellence for the most successful in the financial services profession. Pamela holds a Behavioral Financial Advisor designation, awarded to advisors who have undergone training to learn to help clients make financial decisions using a rational, values-based approach. She was featured in the Women in Wealth section of Fortune Magazine November 2020 issue as a top Wealth Manager in the Washington DC metro area. In 2021, Pamela once again received a Five Star Wealth Manager award and was highlighted in the Washington Post and the Wall Street Journal. Pamela completed the demanding requirements to receive a Chartered Retirement Planning Counselor certification through the College of Financial Planning. Pamela also holds a Behavioral Financial Advisor designation, awarded to advisors who have undergone training to learn to help clients make financial decisions using a rational, values-based approach. Behavioral Financial Advisors integrate techniques founded in traditional finance, psychology, and neuroscience to positively influence clients' spending and saving behavior in challenging emotions. Pamela is married, lives in Chantilly, VA, and has three children. She devotes her free time to her family and church, enjoys reading, and loves singing. Learn more here: www.jacksonsams.com/ Learn more about Marguerita Cheng, CFP® Pro: www.MargueritaCheng.com • Listen to Rita's podcasts on www.MargueritaChengRadio.com • Watch all of the video interviews on: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet our guest: Kleo Curry, CFP®, Chartered Retirement Planning CounselorSM and vp Wealth Management at the Potomac Wealth Group, UBS Financial Services, Inc. Today's Topic: Women on Purpose — Money talk guides to commonly avoided conversations Rita asks Kleo for insights into the following: If I'm a woman going through a divorce, how will I manage my finances? How do I constructively talk to my partner about our finances without feeling stressed or defensive? My partner and I have never discussed what to do with our finances if something bad happens.  Where do we start? I may have to support my parents in the future financially.  How should I plan for this? Why do I need an estate plan? About our guest: Kleo Curry knows wealth can create complex needs. That's why, for nearly 18 years, she has been helping clients successfully navigate volatile markets to meet their financial goals. Drawing upon her significant experience in financial planning, she works closely with her clients to build customized portfolios specifically aligned with their short-term financial needs and long-term visions for the future. As a result of Kleo's ongoing commitment to learning and providing tailored solutions to client needs, she earned the CERTIFIED FINANCIAL PLANNER™ and Chartered Retirement Planning Counselor certifications. Having previously been a Registered Client Service Associate and Wealth Strategy Associate, Kleo is attuned to the day-to-day intricacies of delivering superior client service and the complexities of high net-worth wealth planning strategies for individuals and families. Her varied personal and professional experiences have instilled in her a passion for empowering women to understand and manage their finances actively. Kleo grew up in Detroit, MI, where she graduated from Adrian College with a degree in Political Science. Today she and her husband, Len, reside in Loudoun County, where she serves on the Loudoun County Transit Advisory Board. She formerly served on the Board of the Loudoun Abused Women's Shelter. In addition to helping to champion civic causes, Kleo is an avid reader. Find more about Kleo here. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to Rita's podcast show, Margaritas with Marguerita, on her radio channel: MargueritaChengRadio.com • Watch all of the show's video episodes on Rita's YouTube channel: MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 5:15 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: College funding specialist Brad Baldridge Today's Topic: The Top 10 College Planning Mistakes — and how to avoid them! Rita asks Brad: If you are a parent and need to plan for college, where should you begin? What are some of the top strategies you recommend for saving and paying for college? You say that one of the biggest surprises for many parents is that the price of college isn't what they see on school websites. What price should parents actually expect to pay? Many parents worry that paying for college will wipe out or delay their retirement. How can families balance paying for college and saving for retirement? You say that many students can attend a private college for about the same price as a public university. But private colleges are really expensive, so how is that possible? About Brad Baldridge: A college funding specialist who has helped thousands of families plan and save for college with smart and proven strategies to save time, money, and stress, Brad has been sharing his college planning insights with clients, subscribers, and listeners for nearly 20 years. As a financial expert, blogger, and host of the Taming the High Cost of College podcast, he teaches parents the best ways to save and pay for college, including how to find the right school, maximize financial aid and scholarships, avoid student loan debt, and make your children's college dreams come true without wiping out your finances or retirement. Since 1998, Brad has become one of the nation's leading college planning and college finance experts. He offers life-changing advice through his private practice, his online platforms, and at numerous workshops, seminars, and events each year. Learn more at baldridgecollegesolutions.com.  Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Our guest: Akeiva Ellis, co-founder of The Bemused  Today's Topic: Helping young adults get #finlit Rita asks Akeiva: What did your financial education journey look like as a young adult? What are some common myths you hear about building wealth? What are some of the money topics young adults should learn about? Meet our guest: Akeiva Ellis is a financial planner, educator, and proud daughter of immigrants. She is the co-founder of The Bemused. She and her husband promote inclusive financial literacy for young adults through YouTube video content, an online program, and speaking on personal finance topics under the brand. Akeiva currently serves as an ambassador for the CFP Board and has been quoted in various media outlets, including The Boston Globe, Business Insider, RIA Intel, and CNBC. She has also been a featured guest on PlanStronger TV and numerous podcasts. She hosts the podcast Ballentine Broadcast: Conversations on Black Wealth. In 2021, Akeiva was recognized by ThinkAdvisor as a Luminary in Diversity & Inclusion. She was also recognized by Financial Planning magazine as an industry Rising Star and was named to Investment News' class of 40 under 40 — the youngest person to grace this list in its 8-year history. Read all about it here: 40under40inadvice.com/winners/akeiva-ellis/ And learn more about Akeiva's new company at thebemusedtv.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to Rita's podcast show: MargueritaChengRadio.com • Watch the video interviews on YouTube: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet today's guest: Elysabeth Alfano, CEO, VegTech™ Invest Our Topic: What is EATV? Rita asks: Tell us about the world's first plant-based innovation ETF — the only fund that is addressing climate change and food security by disrupting the global food supply system with plant-based innovation. How many companies and what is the strategy? Is it actively managed, and if so, why? What are the ramifications of being the first and only plant-based innovation ETF? Why are Plant-based foods and Plant-based Innovation deflationary? Why are plant-based foods recession-proof? Why does Bloomberg Intelligence predict that the Plant-based Innovation Sector is going to $166B by 2031? Why GenZ and Millennials are leading the charge for a change in the global food supply system Why are governments around the world investing in Plant-based Innovation & Alternative Proteins? About our Guest: ​Elysabeth Alfano is the CEO of VegTech™ Invest, the advisor to the VegTech™ Plant-based Innovation & Climate ETF, EATV.  With EATV, VegTech™ Invest has created a completely new impact asset class: plant-based innovation and alternative in the capital markets.   The company has also launched the industry benchmark index, VegTech™ Plant-based Innovation & Alternative Proteins Index. A plant-based industry expert, Elysabeth speaks globally on the intersection of sustainability and our global food supply system, including recently at the U.N. Global Leaders Compact Summit. Having started her career at Kellogg's working on Special K and Frosted Mini-Wheats, Elysabeth is the CEO of Plant-Powered Consulting and advises multinationals and C-Suite Executives on the industry landscape, direction, and whitespaces.  Finally, Elysabeth hosts the Plantbased Business Hour, which features the CEOs and thought leaders in the industry.  The Plantbased Business Hour is considered, “The Gold Standard” for those who want to understand, participate in, and capitalize on this secular trend. Meet her on LinkedIn. And learn more at vegtechinvest.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to our podcasts on www.MargueritaChengRadio.com • Watch all of our episodes: www.MargueritaCheng.tv

Friday, Sept. 16, 2022: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet our guest: Angela Randolph, CPA, MBA BIO Today's Topic: The Importance of Knowing Your Numbers for Entrepreneurs Rita asks: Tell us about your professional background and your experience in the industry. Tell us about Stellar Ledgers and how the business came about. What services do you offer? What industries do you serve currently? What made you decide to start a training academy for small business owners? What are the major issues you see impacting small businesses? When is the best time for small businesses to outsource their accounting to a CPA/CFO? Why is it essential for small businesses to have an accounting system? About our Guest: ​Angela Randolph, CPA, is the Founder/CEO of Stellar Ledgers LLC a boutique financial firm that serves small to medium businesses by providing financial accounting, outsourced CFO, training, and consulting services. Angela has been licensed as a CPA in Texas since 1998. She obtained her BBA in Accounting and Finance from Loyola University New Orleans and MBA in Finance and Management from Tulane University. With more than 20 years of experience, Angela has experience with accounting, finance, tax, and audit across various industries with Fortune 500 companies, Big 4 Public Accounting, and the state and federal government. "I am very passionate about empowering and equipping entrepreneurs with the financial knowledge and business acumen needed to have profitable businesses," explains Angela, who believes education in both personal and business finances can significantly improve the lives of the community. Learn more at stellarledgers.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Listen to our podcasts on www.MargueritaChengRadio.com Watch all of our episodes: www.MargueritaCheng.tv

Friday, September 2, 2022, A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles. Meet our guest: Carina Diamond, CXO, Dakota Wealth Management Today's topic: Making a difference with Diversitas — New ways to expand diversity in wealth management Rita asks Carina:  Diversitas-Expanding Diversity in Wealth Management is a program founded 6 years ago at The University of Akron. What exactly is Diversitas, and how and why did it get started? What are some of the unexpected findings from the Diversitas program? What resources does Diversitas offer students and employers? You're a founding board member and a regular speaker at Diversitas – why have you chosen to devote your time and talent to this cause? What is a fun fact about the last/2021 Diversitas program? About Carina: As Chief Experience Officer for Dakota Wealth Management, Carina is responsible for the organic growth, culture, and communications of the firm. She leads and mentors the other client advisors and also advises her own clients. Before joining Dakota, Carina founded Springside Partners LLC and transitioned her brokerage business to an RIA model. She has built and sold three financial services businesses. She founded the program Flourish™ Women and Wealth, an initiative that has educated over 1000 diverse women on personal finance over a decade. She is a founding board member for Diversitas – Expanding Diversity in Wealth Management, a program started at The University of Akron to promote diversity in financial services and is now national, spanning dozens of universities. Carina was an inaugural CFP™ Board Ambassador, a Trustee for The University of Akron Foundation, and serves on the University's Financial Planning Executive Committee. She founded the Diamond Graduate Women's Leadership Xperience, an interdisciplinary leadership program. She serves on the RIA Institute's Advisory Board and is a frequent speaker. Carina is a passionate advocate of financial literacy and next-gen talent development. She is a frequent source for national news media. She was named an honorary alumna by The University of Akron in 2022. She has been a Forbes-ranked advisor annually since 2017 and was an Investment News 2018 “Women to Watch.” Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com Join us this and every Friday at 5 pm EST for a new podcast episode: www.MargueritaChengRadio.com Watch all of Rita's video interviews: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Tedla "Ted" Mekonnen, CEO and Founder of EveryIncome™ Today's Topic: Why financial planning is for EveryIncome! About our guest: ​"Nearly everyone is struggling financially," says today's guest Ted Mekonnen. "We recognize this as a real problem and want to do our very best to bring reliable tools and education to people all around the world so they can take control of their finances and navigate life with less financial friction." Learn more at everyincome.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Listen to our podcasts on www.MargueritaChengRadio.com Watch all of our episodes: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Steve Gruber, Director of Operations at Bluestone Life Today's Topic: Do you really need life insurance? About our Guest: ​From the beginning of Steve's career as an equity trader to leading a team at a private European bank in Montreal, he has always been “the go-to guy.”  People gravitate to him because he gets things done and he likes to understand what makes people tick and how they think.  He joined Bluestone Life because he's attracted to systems change and is a Practical Activist.  He's passionate about volunteering and how it has enriched his life.  He's a Board member for Green Mountain Habitat for Humanity and previously served on the finance committee of Lake Champlain Waldorf School. Steve holds insurance licenses in several states from Vermont to California and received his Bachelor's in Economics from Lawrence University in Wisconsin. Steve lives on a country road in Charlotte, VT with his wife, two teenage daughters, a dog, cat, fish, and a hive of bees. An avid skier in the winter and hiker in the summer, his path often leads to a cool swimming hole. Learn more at bluestonelife.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Listen to our podcasts on www.MargueritaChengRadio.com Watch all of our episodes: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 5:15 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Vicki Vollweilder, MBA, CDC, founder of College Financial Prep Today's Topic: College and Divorce Rita asks Vicki: How can parents best prepare to help their children with college when facing divorce (even if they have a high net worth)? If the kids are already in high school or college, is it too late? What are some strategies for divorced parents to use to help save money on the cost of college? If student loans are needed, how will that work in a divorce situation? Remarriage, blended families, and college: What parents need to know! About our Guest: ​College Financial Prep was founded by Vicki Vollweiler whose practice focuses on College Planning College Affordability Divorce and College and other special situations. Vicki holds her Master's Degree in Business Administration and has focused the bulk of her career on analysis pricing return on investment and business negotiations. Vicki received her MBA degree from Syracuse University where she had been awarded a Full Merit Scholarship plus financial stipends. Prior to creating College Financial Prep, Vicki was serving her clients as a Divorce Coach who helped parents achieve personal financial goals.  As clients started to ask how they were going to afford the cost of college for their children she knew as a divorced mom herself that we all want the absolute best for our children especially as they are preparing for college. The key is to be informed strategic and detail-oriented in order to maximize savings and minimize costs when it comes to college. To date, some clients have been able to successfully save hundreds of thousands of dollars each with College Financial Prep's guidance.  College Financial Prep was formed to help parents navigate college planning college affordability financial aid scholarships and student loans. Learn more at CollegeFinancialPrep.com. Discover more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Listen to our podcasts on www.MargueritaChengRadio.com Watch all of our episodes: www.MargueritaCheng.tv

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Kelly Mould, senior VP and Wealth Sales Team Lead, Johnson Financial Group Today's Topic: Estate planning and elder care, gray divorce With rising rates of “gray divorce,” and last year's #FreeBritney movement, many people are wondering about their own estate plans and what aging could mean for their financial plans. Rita asks Kelly: What is gray divorce and how is it different than a typical divorce? You had been a single mother to three children, then made a midlife career change to become a lawyer and just out of law school, did work as guardian ad litem.  What lessons did you from learn these experiences that you use in your work as a financial advisor now? What are some of the mistakes you think women make when it comes to their money? As women age what should they be thinking about as part of their financial plan? Can women plan for long-term care needs for others and themselves? About our Guest: ​As Senior Vice President, Wealth Sales Team Lead, Kelly develops long-term relationships and provides comprehensive fiduciary solutions to her clients. She oversees and manages a knowledgeable team of wealth professionals in the Racine and Kenosha area. Kelly is dedicated to working with you to ensure your financial goals meet your expectations. Her experience includes: B.A. and M.A. from Marquette University and J.D. from the University of Wisconsin Law School Joined Johnson Bank in 2014 with a diverse professional background specializing in family law and estate planning Served as an attorney, operated her own law firm, and had a judicial appointment as guardian ad litem for Racine County Served as an executive in the telecommunications industry for more than 20 years Learn more at JohnsonFinancialGroup.com. Discover more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Listen to our podcasts on www.MargueritaChengRadio.com Watch all of our episodes: www.MargueritaCheng.tv

May 27, 2022: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 4:30 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Perth Tolle, founder of Life + Liberty Indexes Today's Topic: Is investing in Emerging Markets (EMs) still worth an allocation? Rita asks: EM has had a terrible run. Why is that? Are there risks we have miscalculated? And have we treated EMs like DMs and ignored EM-specific risks? How should we think about strategic EM allocations in the future? About our Guest: ​Perth Tolle is the founder of Life + Liberty Indexes and creator of the Freedom 100 EM Index (FRDM index), a freedom-weighted emerging markets equity index strategy. Before forming Life + Liberty Indexes, Perth was a private wealth advisor at Fidelity Investments in Los Angeles and Houston. Perth also has lived and worked in Beijing and Hong Kong, where her observations led her to explore the relationship between freedom and markets. Perth is a frequent speaker at investment industry events and provides commentary for various financial media, including WSJ, Barron's, CNN, Bloomberg, CNBC, Cheddar, MarketWatch, and Institutional Investor. Perth was named one of the Ten to Watch in 2020 by Wealth Management magazine and one of the 100 People Transforming Business by Business Insider in 2021. The FRDM index and ETF were voted “Index of the Year” and “Best New International/Global Equity ETF 2019” by etf.com. Learn more about Perth here. Check out all of Marguerita's podcasts: MargueritaChengRadio.com Watch all of her TV episodes: www.MargueritaCheng.tv

May 27, 2022: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 5:15 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Elaine Chu, Senior Philanthropic Advisor at Seattle Foundation Today's Topic: Community foundations and collective impact Rita asks: How did you get involved in Seattle Foundation, and how did you become interested in philanthropy? What does the Seattle Foundation do? Are there benefits to someone opening a fund at a community foundation than just giving individually? How has COVID impacted the foundation? The community? About Elaine Chu: As Senior Philanthropic Advisor at Seattle Foundation, Elaine leads with a diversity, equity, and inclusion lens. She provides strategic consulting to  100+ impact-driven individuals and families to achieve their philanthropic goals, align their giving priorities, and develop trusted community relationships between nonprofits and donors.  She also manages the Foundation's Scholarships Program and Youth Grantmaking Board. Elaine started her career in nonprofit at a grassroots housing organization focused on providing workshops to educate tenants on their rights around evictions.  She has over 20 years of nonprofit experience in relationship building and development, focusing on youth development and education.  Before Seattle Foundation, she held positions with YouthCare, Seattle Housing Authority, U.S. Department of Housing and Urban Development, and Casey Family Programs. Elaine holds two Bachelor of Arts degrees (Business and Political Science) and a Master in Public Administration, both from the University of Washington.  Her volunteer and community work includes serving as Board of Trustees Chair for Green River College, a Governor appointed position and being on the executive leadership committee for the Washington State Opportunity Scholarship.   She was awarded the National Women's Political Caucus Heroine Award and Northwest Asian Weekly Foundation's Community Award. Click here to connect with Elaine on LinkedIn! Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Watch all of our episodes: www.MargueritaCheng.tv.

A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for today's special episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 5:15 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  You are going to love our guest: Meetup CEO David Siegel, author of Decide and Conquer Today's Topic: Learn about the 44 Decisions that will Make or Break All Leaders Rita asks David: Pivoting strategies: What did Meetup do when they couldn't meet in person during the pandemic? What are some of the decision-making best practices you discuss in your book? Share your thoughts about the power and impact of community on business and life in general. Tell us about your path to becoming a tech CEO. What is your general approach to leadership, radical transparency, etc.? About David: David Siegel is the CEO of Meetup, the largest platform for finding and building the local community. He has over 20 years of experience as a technology and digital media executive leading organizations through innovative product development, rapid revenue growth, and digital traffic acceleration. Prior to joining Meetup, David was CEO of Investopedia and before that, President of Seeking Alpha. David holds a BA in Philosophy, Politics & Economics and an MBA from the University of Pennsylvania. He is an adjunct professor at Columbia University where he teaches strategic planning and entrepreneurship. He hosts the podcast Keep Connected, which is dedicated to the power of community. David's book, Decide & Conquer, (HarperCollins) lays out the framework for decision-making that leaders can use to ensure organizational and personal success. About his new book: "Success boils down to one thing: making good decisions," explains author David Siegel. "Learn the right framework now that can make all the difference later when faced with terrible options, deep anxiety, and fear of failure." Decide and Conquer helps all leaders navigate the big decisions that will impact their future and make their organizations a success. David outlines the 44 challenges leaders face when starting a new position, then shows you the decision framework he applied to overcome challenges in his own role. David takes you on an epic journey of corporate and personal survival that includes industry titans like Adam Neumann, Barry Diller, Jack Welch, Bill Ackman, and other leaders. In Decide and Conquer, you will learn to: Apply principles like open communication, transparency, and kindness to inform great decision-making. Set yourself up to succeed, even before you start, by removing potential roadblocks before they become a problem. Be a bold and decisive leader and not succumb to fear. By applying the principles he had learned in previous leadership positions, David was able to make the many critical decisions that would mean life or death for Meetup when WeWork decided to sell the company. From deciding to accept the position and negotiating terms to managing a seemingly endless series of crises during the sale and global pandemic, Decide and Conquer walks readers through the key decisions they will face with invaluable advice for each one. Click here to check out the book! Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Watch all of our episodes: MargueritaCheng.tv

April 22, 2022: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 5:15 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Sibyl Slade, Chartered Retirement Planning Counselor, VP and Financial Advisor at LifePlan Today's topic: Building Generational Wealth — A Family Planning Strategy Rita and Sibyl will discuss:  What's the difference between building wealth and building generational wealth? How long does it typically take to build generational wealth? What are the most common assets used to build generational wealth? What are the components of a family planning strategy? How can an ordinary family begin to close the wealth gap for their family and build a legacy? Sibyl Slade says: ​“Empowerment is knowing the highest and best use of your dollars to achieve your goals. For nearly 20 years at the Federal Reserve, I worked tirelessly to protect consumers, strengthen affordable housing, and advise people about personal finance across six states. Today that passion and experience fuels the personal commitment I bring to each of my clients, whether they are first-generation small business owners, professionals, women, or extended or blended families. I advise you where your money should go, not figuring out where it went. As a senior financial advisor, I am among less than 1% of advisors who are women of color. I have a special commitment to individuals and families who are building their financial resources from the ground up, to give their loved ones more opportunities and a better life. I joined LifePlan Financial Advisors in 2019 to use my passion for consumer protection, astute financial planning, and investment advisory services to clients in Atlanta and the Southern Crescent area. I help folks who find themselves off-course, by providing proven road maps to financial stability and success. My clients work with me to keep more of the money they make and to use those resources to create financial security. As a fiduciary, I am beholden to no one but my clients. Your welfare and well-being is my only priority. My credentials include Chartered Retirement Planning Counselor Designation and Certified Trainer for Money Smart financial education curriculum. I earned a B.S. in Planning and Economic Development from Georgia State University and a Financial Planning Certificate Program from Kennesaw State University. My husband, Kenneth, and I live in Powder Springs, GA. When I am not hanging with my guys (three sons and two grandsons), I'm usually camping beside a lake, or riding my Harley. “We believe with wise guidance, determination and opportunities to build financial security our team can empower your financial dreams.” Learn more at lifeplanfinancialadvisors.com Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Watch all of our episodes: www.MargueritaCheng.tv

April 15, 2022: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at 5:15 pm EST, we learn from industry experts how to flex our financial muscles live on Facebook.  Meet our guest: Melody Young, CFP® candidate Today's Topic: From classroom teacher to financial advice-r Rita asks Melody:  1. In the title for today's podcast you use financial advice-r emphasizing the word advice. Tell us about that. 2. You were a classroom teacher what are some resources available to those teaching financial literacy? 3. Tell us about the Certified Financial Education Instructor (CFEI) designation. 4. You're a career changer. What is FPA doing to support career changers? Scroll down for links to the resources and organizations that Melody knows will be helpful to other career changers!  About Melody Young: ​A candidate for CFP® Certification, Melody is the NexGen Chair for the San Gabriel Valley chapter of FPA, located in Los Angeles, CA. She is one of three national NexGen reps for OneFPA, focusing on career changers, and is also a member of NAPFA. Previously, she taught math at Arcadia High School and California State University in Los Angeles, where she obtained her Math degree. During Melody's 20-year tenure at Arcadia HS, she specialized in teaching the lower-level math courses, where the students need the best teaching strategies to train and often re-train their skills. These students demanded to know when they would ever need to use any of these skills in the “real world.” This is where her enthusiasm for math, sociology, and theatre resulted in some unorthodox teaching methods, and where she developed her warrior spirit. She made a point of creating teachable moments to showcase real applications of math including the cost (and benefit) of compound interest, the purpose of paying a security deposit, and the necessity of reading the fine print. Learn more here. Join us this and every Friday at 5 pm EST on Facebook Live: facebook.com/hopekatzgibbs Watch all of our episodes: www.MargueritaCheng.tv Resources from Melody Young:  Michael Kitces's article "Financial Advicer Manifesto:" https://www.kitces.com/financial-advicer-manifesto-values-difference-advisor-broker/ Jump$tart State Coalitions: https://www.jumpstart.org/who-we-are/states/ Jump$tart National Educator Conference: https://www.jumpstart.org/what-we-do/nec/ Next Gen Personal Finance Certification Courses: https://www.ngpf.org/certification-course/ National Financial Educators Council's certification programs: https://www.financialeducatorscouncil.org/financial-certifications/ Financial Planning Association's NexGen community: https://www.financialplanningassociation.org/networking/fpa-nexgen Connect with me on LinkedIn! Please add a note about how you found me: www.linkedin.com/in/ms-melody-young