Podcasts about Brochure

Is the Roth the secret weapon of retirement planning?Melissa Joy breaks down everything you really need to know about Roth IRAs and Roth 401(k)s—from how they work and who they're best for, to why they've become a powerful tool for long-term financial freedom.Whether you're early in your career or already eyeing retirement, understanding the pros and cons of Roth accounts can help you make smarter tax decisions and build wealth that grows—and comes out—tax-free.Melissa covers:✅ Roth vs. Traditional contributions: what's the difference?

“Red light therapy is a groundbreaking non-invasive therapy offering a myriad of health benefits, ranging from reducing inflammation to promoting fat loss.” - Dr. Carl Rothschild   Dr. Carl Rothschild is a pioneering advocate for red light therapy with a commitment to enhancing well-being through innovative wellness solutions. With a foundational education from Stony Brook University and a doctorate from the Southern California University of Health Sciences, Dr. Rothschild has been a prominent healthcare provider in Los Angeles since 1979. He founded Trifecta Light and LiPo Melt Technologies, specializing in professional-grade red light therapy devices, establishing himself as a key influencer in the health and wellness industry.   Episode Summary: Join Jana Short as she welcomes Dr. Carl Rothschild to "Oh, My Health… There is Hope!" in a conversation rich with insights into the revolutionary world of red light therapy. An experienced chiropractor, Dr. Rothschild introduces listeners to his journey from traditional chiropractic techniques to his passionate advocacy for red light therapy. Discover how a chance encounter with the technology transformed his practice and fueled his mission to make cutting-edge light therapy accessible.   In this episode, Dr. Rothschild delves into the science behind red light therapy, explaining its non-invasive nature and diverse applications, from aiding heart health to autoimmune disease management. He stresses the importance of whole-body treatment and addresses common misconceptions about red light therapy, highlighting his innovative Trifecta Light bed as a game-changer. Throughout the discussion, Dr. Rothschild shares compelling patient stories that underscore the life-changing potential of this therapy, offering a beacon of hope and health for many.   Key Takeaways: Red light therapy is a groundbreaking non-invasive therapy offering a myriad of health benefits, ranging from reducing inflammation to promoting fat loss. The unique design of the Trifecta Light bed, developed in response to the COVID-19 pandemic, allows for seamless patient use without the need for direct contact with healthcare staff. Short, 12-minute sessions, typically conducted three times a week, can yield significant benefits without any known side effects. Whole-body exposure to red light therapy activates cellular rejuvenation processes, proving effective in the treatment of conditions like heart disease, autoimmune disorders, and neuropathy. Dr. Rothschild encourages an integrative health approach, combining good lifestyle choices with regular use of red light therapy for optimum health and longevity.   Resources: trifectalight.com https://linktr.ee/trifectalightofficial Locations: https://trifectalight.com/contact/ Book: https://www.amazon.com/Illuminated-Healing-Unraveling-Mysteries-Therapy/dp/B0C9GG2ZYV Pro 450 Brochure: https://publuu.com/flip-book/51650/180774/page/1 The Superior Benefits of the Trifecta Light Bed: https://drive.google.com/file/d/1k_QtpeWrIVuGhB0zqwPeQpNLVPemshy2/view Video Testimonials and Other Videos: https://docs.google.com/spreadsheets/d/18OEZ4g6pcvHe0GWVugiw6kA3mDfdVDR4C9uou2sFdBk/edit?gid=0#gid=0 Why Weaker Devices Fall Short https://www.youtube.com/watch?v=059qgtb_2II Why Does the Trifecta Light Bed Use Specific Wavelengths https://docs.google.com/document/d/1OAVuWHOl9cISQACVJ2fTO1gW-2mb_xOdf5fkhcbG85c/edit?usp=sharing Trifecta Light Pulsed Red Light Therapy (PRLT) https://docs.google.com/document/d/18c3Xrkm3vy1jffxX6S-GOeXCkQk_LN9U/edit?usp=sharing&ouid=113169262984746484850&rtpof=true&sd=true Research Explore the science behind red light therapy: https://trifectalight.com/studies/     Get a free subscription to the Best Holistic Life Magazine, one of the fastest-growing independent magazines centered around holistic living: https://bestholisticlife.info/BestHolisticLifeMagazine.   Get in touch with Jana and listen to more podcasts: https://www.janashort.com/ Show Music ‘Hold On' by Amy Gerhartz: https://www.amygerhartz.com/music. Grab your FREE gift today: https://bestholisticlife.info/BestHolisticLifeMagazine Connect with Jana Short: https://www.janashort.com/contact/

Do you still need a printed legacy brochure in a digital world? This episode breaks down why print still matters and how to make your digital materials truly connect.Got a question?  Drop me an email hello@legacyfundraisingchat.co.uk Sign up for your monthly dose of tips and inspiration with my newsletter here. Visit my website  for more infoP.s Could you do me a favour please?  If you are enjoying my podcast, I'd love it if you could either subscribe, share with one other person or leave a review as to why others should listen at Podchaser

This week on Sheena Interrupted, we dropped Jae off at camp… and 24 hours later, TRID was driving him to the ER. What started as a three-week adventure quickly unraveled into back-to-back road trips, a mayo-taxed fast food meltdown, and a rock-paper-scissors showdown to determine who'd make the rescue mission. We unpack the full (and fully chaotic) story—and how, somehow, Jae handled the entire ordeal better than we did. It's parenting chaos, unexpected bonding, and a reminder that resilience sometimes shows up in crutches... and ketchup. ThriveMarket.com/Sheena to start saving today! Sale ends Aug 31st!

What if the hardest part of retirement isn't financial—but emotional?Retirement isn't the goalpost we've been taught to chase. It's a major life transition, and according to retirement researcher and financial planner Dan Haylett, many people arrive unprepared—not because the math is wrong, but because they never planned for what comes next.Melissa Joy, CFP® sits down with Dan—author of The Retirement You Didn't See Coming and host of the Humans vs Retirement podcast—to explore the emotional landscape of retirement and why most planning misses the mark. Together, they unpack the “Retirement Reinvention Curve,” a three-phase, eight-stage model that reflects the psychological shifts retirees experience.They go beyond the portfolio to talk about identity loss, the illusion of a permanent vacation, and how to find rhythm, purpose, and joy in life after work.Whether you're preparing to retire or helping clients make the leap, this conversation will shift your perspective on what truly matters most.

The college landscape has transformed dramatically in a single generation. What once cost $7,000 annually now approaches $70,000, creating unprecedented financial pressure on families navigating the higher education maze. In this eye-opening conversation with Lee Norwood, founder of College Sharks, we unravel the complexities of finding the perfect college fit while managing costs.Contrary to popular belief, your child's most affordable option may not be that in-state university. Leigh reveals how merit scholarships can make seemingly expensive private colleges more budget-friendly than public alternatives. Her own experience attending Elon University for less than in-state Maryland tuition demonstrates this counterintuitive reality—a revelation that could transform your family's college search strategy.Beyond finances, we explore what college admissions officers actually evaluate first: curriculum choices. Before GPA or test scores, they examine whether students challenged themselves appropriately within their school's offerings. This insight, along with Leigh's guidance on extracurricular involvement (quality over quantity), provides a roadmap for application success.Parents of undecided students will find particular comfort in Lee's perspective that college remains a time of discovery, with excellent resources available for students still exploring potential paths. Meanwhile, homeschooling families receive specialized advice on documentation and transitioning to higher education. And for those questioning whether college remains essential, Leigh offers a balanced view acknowledging that while crucial for many careers, alternatives like trades or military service better suit some students.The college journey needn't overwhelm your family. By breaking the process into manageable monthly tasks over junior and senior years, you can navigate this pivotal time with confidence rather than anxiety. Visit CollegeSharks.com to access Lee's structured guidance programs and free resources like her comprehensive two-year planning calendar. Get a free mini lesson plus 52 prompts so your kids can practice every week here!Thanks for Listening to Speak Out, Stand OutLike what you hear? We would love if you would rate and review our podcast so it can reach more families. Also - grab our free mini lesson on impromptu speaking here. This is ideal for kids ages 6+.Interested in checking out our Public Speaking & Debate courses? Find more here!

Jo and forty local traders have collaborated on the publication of a new promotional brochure. Petersfield is home to a vibrant and energetic community of independent stores which service customers with a wide range of products and services, employ local people and help to keep money in our area. Now they've worked with Petersfield Town Council, Hometown Creative and The Directory Group to produce and deliver thousands of copies of a new town brochure. Jo explains what it took to organise this venture. She is speaking to Shine Radio's Stephen Martin in her Lavant Street store Sew Creative. The interview was first broadcast on Sunday 3 August 2025.See omnystudio.com/listener for privacy information.

What if your biggest financial setbacks were actually the foundation for your comeback?Tax professional and financial literacy advocate Michelle Campbell joins Melissa Joy, CFP® for a powerful conversation on shame-free money management, taking control of your financial future, and rising from the ashes—literally.Michelle shares her journey from five evictions and over $500K in debt to becoming an IRS-enrolled agent, nonprofit founder (Hashtag Stability), and author of the memoir Bluebird. With honesty and heart, she reveals how facing her numbers changed everything—and how she now helps others do the same.Together, they unpack the emotional weight of debt, the myths that keep people stuck, and how understanding tax law can be a radical act of empowerment—especially for women and those overlooked by traditional financial systems.This conversation is for anyone who's ever felt behind, buried by shame, or unsure where to start. Spoiler alert: the first step is just looking.

Since the Published by Greenleaf Book Group podcast began in 2017, Greenleaf CEO Tanya Hall has interviewed one expert in the publishing industry every single month. Over that time, she's educated and empowered thousands of authors at all levels of experience to hone their craft and navigate the world of publishing with confidence.  Today is a milestone: Published's 100th episode. To mark the occasion, we're flipping the script — Tanya will be in the hot seat as today's guest while our podcast producer Madison Johnson interviews her about her experience in every role: as a CEO, an author, and a podcaster. We'll take a look back at successes, lessons learned, and how the industry as a whole continues to change.   Learn more about publishing in Tanya's book, Ideas, Influence, and Income. More about Greenleaf: Website: greenleafbookgroup.com Brochure: greenleafbookgroup.com/brochure    Have a book you want to publish? Submit your book to Greenleaf for review: greenleafbookgroup.com/submissions Looking into the different options for publishing your book? We have a quiz for that. Take our publishing options quiz to see which might be the right fit for you. https://greenleafbookgroup.com/publishing-options Connect with us on socials! Instagram: https://www.instagram.com/GreenleafBookGr/ Facebook: https://www.facebook.com/GBGAustin/  Linkedin: https://www.linkedin.com/company/greenleaf-book-group 

  This week on Travel Culturati: The Real Italy & Flight Attendant Wishes — We kick things off with the latest Travel News, bringing you updates and insights from around the globe. Then we head to Italy with journalist and travel expert Erica Firpo, who gives us an insider's look at The Real Italy beyond the tourist spots. We'll also have Ja'Vonne's Travel Minute and in The Culture Report we wrap things up with Lea McIntyre, a seasoned flight attendant, who shares her personal Flight Attendant Wishes — what she wishes every passenger knew before boarding. It's an episode full of tips, culture, and perspective you won't want to miss!    

Jusqu'au 30 septembre – Partout en Ville – 2ème éditionPartez à la découverte d'une trentaine de sculptures monumentales, réparties dans l'espace public, interrogeant les liens entre l'humain, la nature et l'environnement.Visite libre jusqu'au 30 septembre : Brochure avec explications et plan disponible à la mairie ou en téléchargement sur le site de la Ville. On en parle avec Claire TERMANINI, Directrice de la Culture à la Ville de Bischwiller.Visites guidées : Accompagnés par une médiatrice, explorez les visions singulières de douze artistes français et allemands.Dates des visites guidées (gratuites, accessibles dès 8 ans)Dimanche 27 juilletDimanche 31 aoûtSamedi 20 septembreDimanche 21 septembreDépart à 14h30 – Parvis de la gareDurée : 2hLes interviews sont également à retrouver sur les plateformes Spotify, Deezer, Apple Podcasts, Podcast Addict ou encore Amazon Music.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Discover the essentials every legacy leaflet and brochure needs to engage supporters and inspire gifts in Wills—without overwhelming them.Got a question?  Drop me an email hello@legacyfundraisingchat.co.uk Sign up for your monthly dose of tips and inspiration with my newsletter here. Visit my website  for more infoP.s Could you do me a favour please?  If you are enjoying my podcast, I'd love it if you could either subscribe, share with one other person or leave a review as to why others should listen at Podchaser

Summer often invites us to pack in travel, events, and to-do lists—but what if the most powerful move you could make right now is to slow down?In this solo episode, Melissa Joy, CFP®, reflects on her own slower-paced Michigan summer and the meaningful lessons it's brought—about happiness, well-being, money, and the beauty of doing less with more intention. Drawing inspiration from the slow living and slow money movements, Melissa shares personal stories, client experiences, and practical ideas for embracing a slower rhythm in both your financial life and everyday choices.Whether you're managing a hectic calendar or simply trying to spend more intentionally, this conversation offers a grounding reminder: small joys and deliberate choices add up to a truly rich life.In This Episode, You'll Learn:Why slowing down can increase your happiness, contentment, and financial clarityHow the slow money movement parallels the principles of long-term investing and sustainable livingWhy “less but better” spending habits often lead to greater satisfactionHow to audit your subscriptions, triage financial decisions, and adopt a summer spending pauseThe link between gratitude, joy, and long-term financial successReal-life strategies to savor the season without overspendingMelissa also shares a must-read article from The New York Times on finding “microjoys” in daily life—a beautiful reminder that happiness doesn't always require a major overhaul.

The first half of 2025 has included significant market volatility, especially around early April. Now, as Q2 comes to an end and markets have evened out some, the JNBA Financial Advisors Investment Committee analyzes the historic ups and downs in a video discussion recorded on July 14, 2025.The conversation between JNBA Chairman and CEO Richard S. Brown, Senior Advisor – Investment Strategist Michael Bilotta, ChFC®, CASL®, RICP®, and Investment Strategist Mark Rosenkranz, CFA® covers the unpredictability faced over the last six months and provides perspective on what that could mean for investors as we look ahead. They also share insights into keeping portfolios positioned to achieve long term goals by managing a disciplined process, such as JNBA's review of portfolios every 10 business days to help avoid emotional, short-term trading decisions that may cause investors to miss key market recovery days.DISCLOSUREThe previous presentation by JNBA Financial Advisors, LLC (“JNBA”) was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from JNBA or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither JNBA's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if JNBA is engaged, or continues to be engaged, to provide investment advisory services. JNBA is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the podcast or video podcast content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if JNBA is engaged, or continues to be engaged, to provide investment advisory services. A copy of JNBA's current written disclosure Brochure discussing our advisory services and fees is available upon request or at jnba.com. Please see import...

In this special solo episode, Melissa Joy, CFP®, CDFA, breaks down the newly passed One Big, Beautiful Bill Act—yes, that's really the name! Signed into law on July 4th, this sweeping piece of legislation (affectionately nicknamed “OB3”) will impact everything from your tax brackets to your charitable deductions, and much more in between. Whether you're a retiree, parent, small business owner, or high earner, Melissa walks through what's changing, what's staying, and what you need to know to navigate the financial road ahead.⚖️ Key Topics Covered:

What if success didn't have to come with stress, hustle, and emotional burnout? Performance coach Brandi Hudson joins Melissa Joy to share how high-achievers can shift from chasing external validation to building a life rooted in purpose, clarity, and peace.Brandy introduces her powerful BASE framework—Beliefs, Alignment, Self-Awareness, and Emotional Resilience—a mindset map for those ready to evolve from achievement to mastery. Together, they explore the inner work it takes to untangle limiting beliefs, align your desires with your emotions, and build true emotional resilience so that success actually feels successful.This conversation is for the doers, the leaders, the “check-the-box” professionals who suspect there's more waiting on the other side of the hustle.

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Ever wonder what separates thriving CEOs from those who struggle? The secret isn't just business savvy—it's mindset. This compelling conversation with Megan Schwan, founder of Sidekick Accounting Services, explores how CEO-level thinking can radically improve both your business and your personal finances.As a single mom and successful entrepreneur with over 11 years of experience, Megan shares her journey from surviving to thriving. She explains how transitioning from reactive, task-based management to intentional, strategic leadership transformed her business and life. This mindset shift is equally powerful when applied to personal finances.Megan also emphasizes the power of embracing your financial data. Avoiding your numbers may feel safer, but regularly reviewing them is the key to clarity and confidence. Her use of the Profit First methodology ensures you pay yourself first and run a business—or a household—that works for you.We explore why outsourcing isn't a sign of failure, but a strategic tool for growth. Whether it's hiring in your business or getting help at home, letting go of the guilt around asking for support can unlock a new level of financial and emotional well-being.Whether you're a business owner, managing household finances, or juggling both, this episode delivers real, relatable insights to help you become the CEO of your money. Tune in for actionable tips, powerful mindset shifts, and a reminder that financial leadership starts with you.Key Takeaways:Shifting from doing the work to strategic thinking changes everythingSetting boundaries protects your energy and your prioritiesFinancial data is a tool for empowerment, not something to avoidProfit First helps ensure you prioritize your own payDelegation and outsourcing free up space for growthGrace and small wins help maintain long-term financial momentumVulnerability and support-seeking are strengths in any financial journeyIf you found value in this episode, please share it with a friend or leave us a review. Connect With Megan:https://www.linkedin.com/in/meganmschwan/https://www.instagram.com/mompreneurof4/https://www.facebook.com/sidekickaccountingThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Welcome back to Published. Today we're joined by Christopher Locke, Director of Membership & Member Services at the Independent Book Publishers Association.  The indie publishing landscape has changed dramatically in recent years, and IBPA's resources have helped educate authors and hold publishers to clear standards of professionalism. In this episode, we'll talk about how joining a publishing association can give authors more agency and provide access to tools for greater visibility. In addition to supporting thousands of independent authors and publishers through his work at IBPA, Christopher also hosts the podcast Inside Independent Publishing, where he shares insights and updates from across the publishing world. Have a question about Greenleaf or the publishing process? Email us at contact@greenleafbookgroup.com and we're happy to chat! More about IBPA: ibpa-online.org More about Greenleaf: Website: greenleafbookgroup.com Brochure: greenleafbookgroup.com/brochure    Have a book you want to publish? Submit your book to Greenleaf for review: greenleafbookgroup.com/submissions Looking into the different options for publishing your book? We have a quiz for that. Take our publishing options quiz to see which might be the right fit for you. https://greenleafbookgroup.com/publishing-options Connect with us on socials! Instagram: https://www.instagram.com/GreenleafBookGr/ Facebook: https://www.facebook.com/GBGAustin/  Linkedin: https://www.linkedin.com/company/greenleaf-book-group 

Ever feel like some financial "truths" don't quite add up? In this episode of Women's Money Wisdom, Melissa Joy, CFP®, teams up with colleague Alexa Kane, CFP®, for a candid conversation challenging some of the most widely accepted (but often unexamined) money beliefs.

Ever dreamed of owning a business but felt overwhelmed by starting from scratch? Franchising might be the solution you didn't know you needed—offering the independence of entrepreneurship with the structure and support of an established brand.Melissa Joy, CFP® is joined by husband-and-wife team Alex and Julie Roberts to explore the world of modern franchise ownership. With over two decades of industry experience, Alex is the founder of The Franchise Playmaker, helping professionals navigate over 4,000 franchise options to find the right fit. Julie is the founder of Kindling Creative and brings her marketing savvy to their newest venture: opening The Milkshake Factory in Ann Arbor.From surprising truths about franchise selection to behind-the-scenes insights into local marketing and revenue strategy, this conversation is packed with actionable takeaways—especially for professionals looking to transition out of corporate roles into entrepreneurship.Key Highlights:Why most franchise owners end up choosing a brand they never expectedHow franchise consultants work like realtors to guide the processThe rise of franchising among 45–55 year-olds seeking more controlWhat “validation” means in the franchise world—and why it's essentialCreative marketing tactics from Julie, including local partnerships and community eventsThe realities of ownership: “There's no such thing as absentee franchising”Resources Mentioned:Connect with Alex: franchiseplaymaker.comFollow their journey IG: @milkshakefactorya2This episode is for anyone exploring entrepreneurship, looking for a career pivot, or simply curious about how franchising really works—beyond the buzzwords.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

What happens when financial advisors ignore half their potential clients? They miss out on a trillion-dollar opportunity.This compelling conversation with Cary Carbonaro, CFP® and author of Women and Wealth, explores how the financial services industry has consistently overlooked women—and what needs to change. As Cary puts it, “Financial services is the least sympathetic to women, but the one that has the most to gain if they get it right.”We explore why 70–80% of women leave their financial advisors after the death of a spouse (hint: it's not because they want to), and how common industry missteps—like unconscious bias, excessive jargon, and dismissing women's priorities—push female clients away. Cary also unpacks key emotional and financial concerns, including the “bag lady fear” that affects over 50% of women regardless of net worth, and why values-based financial planning matters more than ever.By 2030, women are expected to control two-thirds of the nation's wealth—an estimated $30 trillion—driven by increased longevity, entrepreneurship, “gray divorce,” and rising numbers of female breadwinners. This shift presents a massive opportunity for advisors who are willing to evolve.Whether you're a woman taking charge of your finances, someone who wants to support the women in your life, or a financial professional aiming to create a more inclusive practice, this conversation offers powerful insights into why empathy, education, and intentionality lead to stronger financial outcomes for all.Key Themes:How the industry has failed women—and how it can do betterThe emotional drivers behind women's financial decisionsWhy women often switch advisors after major life eventsThe trillion-dollar wealth transfer and what it means for the futureCreating financial plans that prioritize purpose, not just performanceConnect with Cary Carbonaro Website: https://carycarbonaro.com/ LinkedIn: https://www.linkedin.com/in/carycarbonarocfp/ Facebook: https://www.facebook.com/ccarbonaro Instagram: https://www.instagram.com/carycarbonaro/ https://x.com/CaryCarbonaroThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

We are excited to have Dr. Gilbert Valentine as our guest speaker! Dr. Valentine is a respected Adventist scholar and educator who, even in retirement, continues to teach occasionally at the H.M.S. Richards Divinity School at La Sierra University in California. Originally from New Zealand, Dr. Valentine has served the Adventist Church in pastoral ministry, youth leadership, and higher education around the world—including in Pakistan, England, Thailand, Australia, and his home country. He is widely recognized for his work in Adventist history and Ellen White studies. His writings include several major biographies and books exploring the development of Adventist thought, leadership, and prophetic identity. His forthcoming biography of theologian Edward Heppenstall is expected to be released by Pacific Press this summer. Dr. Valentine is also a beloved member of our Azure Hills Church family. He and his wife, Dr. Kendra Haloviak Valentine, live in Riverside, where he enjoys cycling through the citrus groves near their home. The title of Dr. Valentine's message this is “Beware the Travel Brochure." Here's a preview: "Sometimes our experience at a destination does not match what the glossy travel brochures promised. What do we do when that reflects our experience in the church? The assurance that Jesus is the builder of the church assures us that though the development process might at times be messy and uncomfortable, the community being built is strong. Jesus is an experienced builder. What can we learn from Jesus' confidence in the future of the church?" - Dr. Gilbert Valentine

What does it really mean to live life on your own terms?Melissa Joy, CFP®, is joined by Sherita Janielle—digital marketing consultant, and entrepreneur who pulls back the curtain on what it looks like to redesign your life after a major transition, reject societal timelines, and prioritize fulfillment, flexibility, and financial sustainability.After a career in finance, Sherita transitioned to entrepreneurship. Following her divorce, she took a leap and embraced a life she once never imagined—working remotely while traveling the world. But this conversation goes far beyond digital nomadism. It's about crafting a life that aligns with your values, your energy, and your vision of success—whether that means flying across continents or simply living more intentionally at home.Melissa and Sherita dig into:Rebuilding life and finances post-divorceWhy location independence can actually be more affordable than city lifeThe power of saying "no" to society's expectations (and "yes" to your own)Building authentic community while traveling soloThe importance of not making long-term decisions in a temporary mindsetWhy it's okay to change course and not have it all figured outThis episode is for anyone questioning the status quo, navigating a life transition, or dreaming of a different kind of success.Connect with Sherita:Get the Digital Nomad BlueprintInstagram: @sheritajanielleWebsite: modernwomanagenda.comThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Working harder isn't the answer—thinking strategically is.In this empowering episode, Melissa Joy, CFP®, sits down with executive coach Jackie Simon to explore what it really takes to grow your career—and your income. From navigating leadership roles to preparing for bold career moves, Jackie shares how to shift from “doing more” to demonstrating more value.

Today we're joined by Justin Branch, Director of Publishing Strategy at Greenleaf Book Group. Justin plays a pivotal role in guiding authors through the early stages of publishing by customizing proposal tailored to their books' unique needs. In this episode, he tackles the most common questions and misconceptions he encounters from authors in the early stages of publishing.   This interview will equip authors with the information they need to navigate the publishing world, talk to professionals, and make informed decisions about publishing contracts.    Have a question about Greenleaf or the publishing process? Email us at contact@greenleafbookgroup.com and we're happy to chat!   More about Greenleaf: Website: greenleafbookgroup.com Brochure: greenleafbookgroup.com/brochure  Have a book you want to publish? Submit your book to Greenleaf for review: greenleafbookgroup.com/submissions Looking into the different options for publishing your book? We have a quiz for that. Take our publishing options quiz to see which might be the right fit for you. https://greenleafbookgroup.com/publishing-options Connect with us on socials! Instagram: https://www.instagram.com/GreenleafBookGr/ Facebook: https://www.facebook.com/GBGAustin/  Linkedin: https://www.linkedin.com/company/greenleaf-book-group 

Ever wondered how people afford champagne and lie-flat seats at 35,000 feet? Hint: It's not always their wallet—it's their credit card strategy.In this episode, Melissa Joy, CFP®, sits down with travel pro and entrepreneur Bry Keith to reveal how to turn everyday spending into extraordinary travel experiences using credit card points. Bry shares how she went from corporate finance and tech to helping clients fly business class for pennies on the dollar—sometimes squeezing 5–10x more value out of their points.You'll learn: ✈️ The #1 mistake most travelers make when using points (and how to avoid it)

What really happens when someone passes away—and are you (or your family) prepared to handle it? In this episode of Women's Money Wisdom, Melissa Joy, CFP®, sits down with Rachel Donnelly, founder of Afterlight and author of Late to Your Own Funeral, to unpack the messy, often overwhelming world of death administration.Rachel shares her personal story of becoming executor for both her parents' estates—while working full-time and raising young children—and how that experience inspired her to build a business helping others avoid the same chaos. Together, Melissa and Rachel dive into the real work that goes beyond writing a will: handling assets, updating beneficiaries, navigating probate, and keeping bills paid when no one's watching.They discuss why so many women delay estate planning, the hidden landmines (like untitled assets and digital accounts), and how you can start untangling this intimidating topic with simple, practical steps. The conversation also tackles how to bring up these sensitive issues with family, why “co-anything” can backfire, and how to avoid turning a loved one's legacy into a logistical nightmare.Key Takeaways:Estate planning isn't just about legal documents—it's about full asset management and communication.Women are more likely to delay estate planning, often because they don't know where to start.Probate horror stories highlight why comprehensive planning matters.Digital assets (social media, crypto, email) need to be included in your plan.Choose roles (executor, trustee) carefully—co-roles can create more problems than they solve.Even imperfect action now is better than procrastinating and risking chaos later.Having the tough conversations with family now can save heartache and confusion later.Whether you're starting from scratch or fine-tuning your existing plan, this episode will give you the confidence to take action—because death is inevitable, but an administrative nightmare doesn't have to be.Learn more & connect with Rachel: Website: www.myafterlight.com Instagram: @myafterlight LinkedIn: Rachel Donnelly Book: Late to Your Own FuneralThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Learn how to build a business that fits your lifestyle and goals! Discover practical strategies for success and designing your dream business.

Spring is the perfect time for more than just a closet refresh—your finances deserve a reset too!In this practical, action-driven episode of Women's Money Wisdom, Melissa Joy, CFP® shares 20 powerful strategies to reinvigorate your financial life with the same fresh energy that spring cleaning brings to your home.From reviewing your budget in today's uncertain economy to automating savings and tackling debt in a high-interest environment, each suggestion is designed to be practical, manageable, and highly effective. Whether you're ready to revamp your beneficiary designations, audit your insurance coverage, consolidate accounts, or simply schedule regular “money dates,” these steps are all about reducing financial stress and building momentum toward your goals.Melissa draws on real-world client experiences to offer tips that are proven to deliver results—without overwhelming you with complexity. Every recommendation includes ideas for how and when to take action, helping you make meaningful progress without feeling stuck.Key Topics Covered:How to prioritize small financial wins for big impactWhy reviewing your beneficiary designations is crucialThe value of an insurance audit to protect your financial futureSmart ways to tackle debt and manage rising interest ratesThe benefits of automating savings and financial organizationHow to maximize unused loyalty rewardsTips for setting consistent money dates for accountability and partnershipWhy financial spring cleaning is about progress, not perfectionDownload the full checklist mentioned in this episode at pearlplan.com and track your progress as you bring clarity, confidence, and momentum to your financial life.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Is now a smart time to buy a home—or just a risky financial move?On this episode of Women's Money Wisdom, host Melissa Joy, CFP® sits down with returning guest and mortgage specialist Erica Powers CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. She unpacks the ever-changing housing market and what it means for your money moves.With over 20 years of experience and certifications in divorce lending and mortgage planning, Erica helps us cut through the confusion about mortgage rates, affordability, and refinancing strategies. Together, Melissa and Erica explore:

My dear friend, the Barefoot Backpacker, is a thoughtful traveller, but they often approach travel in different ways to me. We've chatted many a time about our varied styles and decided that making a collaborative podcast episode about just this would be a lot of fun. So, this episode is a combination of the two of us as hosts from Travel Tales from Beyond the Brochure and The Thoughtful Travel Podcast, and to frame our conversation we picked, of all things, a Buzzfeed quiz on the age-old (silly!) distinction of traveller versus tourist. But this did help us to discuss many of our travel ideas: what is slow travel, and can it look different? How do you get the most out of travel when you have limited time off from a "real" job? Why do people enjoy luxury service (and why don't we)? Is it still possible to travel without making plans or booking accommodation in advance? All this and much more, along with quite a few laughs! Links: The Barefoot Backpacker blog - https://barefoot-backpacker.com/ Travel Tales from Beyond the Brochure - https://barefoot-backpacker.com/category/podcast/ The Buzzfeed Quiz we used - https://www.buzzfeed.com/remeepatel/traveler-or-vacationer Join our Facebook group for Thoughtful Travellers - https://www.facebook.com/groups/thoughtfultravellers Join our LinkedIn group for Thoughtful Travellers - https://notaballerina.com/linkedin Sign up for the Thoughtful Travellers newsletter at Substack - https://thoughtfultravel.substack.com Show notes: https://notaballerina.com/345 Support the show: https://thoughtfultravel.substack.com/See omnystudio.com/listener for privacy information.

Is your retirement plan based on outdated assumptions—or real-world trends?In this episode of Women's Money Wisdom, Melissa Joy, CFP®, breaks down how retirement is changing—especially for women and Gen Xers. From unexpected post-retirement spending spikes to the growing trend of phased retirement, Melissa shares insights on what today's retirees really need to be thinking about.You'll hear why traditional assumptions about retirement may no longer apply, how inflation and rising costs are impacting timelines, and why confidence levels vary so dramatically between generations and genders.Whether you're planning decades ahead or approaching retirement soon, this conversation will help you understand the trends, risks, and planning opportunities shaping the future of retirement.Key Topics Covered:Why retirement spending often increases—not decreases—right after leaving the workforceThe impact of inflation and rising living costs on retirement timelinesConfidence disparities across age groups and between men and womenCommonly underestimated costs in retirement—especially healthcareHow phased retirement is changing the traditional retirement modelThe importance of flexible, forward-looking planning strategiesTune in to gain valuable insights on how to build a retirement strategy that's both realistic and resilient—regardless of where you are in your journey.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Market volatility can be unsettling—but long-term financial success is rarely built on short-term reactions.In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP® addresses the emotional and financial challenges that often arise during market downturns. As markets enter bear territory, many investors may feel inclined to make significant changes to their portfolios. Melissa encourages listeners to take a step back and revisit their overall strategy, focusing on long-term planning rather than short-term uncertainty.She discusses general principles and planning considerations that can help investors stay grounded, including the potential benefits of maintaining diversified contributions, reviewing withdrawal strategies, and exploring financial planning opportunities that may arise in volatile environments.This conversation is not a recommendation or a forecast, but a reminder that financial decisions are best made from a place of clarity, not fear.Don't forget to check out the most recent Pearl Planning blog with more on tariffs and current market conditions. View here.Topics Covered:

Are big changes coming to the way we pay for college? In this episode, host Melissa Joy, CFP®, sits down with Ann Garcia, CFP®, and  author of How to Pay for College, to discuss the shifting landscape of higher education. With potential policy changes on the horizon, including modifications to student loans, grants, and university funding, families need to be more strategic than ever in planning for college expenses.Melissa and Ann explore the role of the Department of Education, the impact of proposed Parent PLUS loan eliminations, taxation of scholarships and endowments, and how federal research funding plays a pivotal role in the U.S. economy. Ann provides valuable insights on smart financial planning strategies for families navigating the cost of higher education and shares actionable steps for making informed decisions.Key Takeaways:✅ Potential Changes in Higher Education – How proposed federal policies may impact college affordability and financial aid. ✅ Understanding the Role of the Department of Education – What it funds, why it matters, and what could happen if it's restructured or eliminated. ✅ The Risks of Taxing Scholarships & Endowments – Who could be most affected and why financial aid could become even more limited. ✅ Parent PLUS Loans on the Chopping Block? – The pros and cons of eliminating these loans and what it could mean for families. ✅ Why Research Universities Matter – How federally funded research drives economic growth and innovation, from medical breakthroughs to technological advancements. ✅ Financial Planning for College – Smart strategies for families, including using net price calculators, alternative education pathways, and financial aid negotiations. ✅ The Importance of Open Conversations About Money – How to discuss finances with your kids and prepare them for responsible decision-making.Follow Ann on LinkedIn Learn More About Paying for College  Follow on FacebookThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Even as a CNN business correspondent, Alison Kosik struggled with financial imposter syndrome—a reality many successful women face. In this episode, Melissa Joy and Kosik dive into how women can build financial confidence and take control of their money, drawing from Kosik's new book, What's Up With Women and Money: How to Do All the Financial Stuff You've Been Avoiding.With Women's Equal Pay Day upon us, this conversation is more timely than ever. Women still earn just 84 cents for every dollar men make, and while 70% of women now negotiate their salaries, the remaining 30% contribute to the persistent pay gap. It's time for real talk about money, confidence, and financial independence—and this episode delivers exactly that.Takeaways: 

Money is everywhere in our lives, yet talking about it remains one of the biggest taboos. In this episode, we bring together—Kathleen Burns Kingsbury, financial psychologist and author, and Melissa Joy, CFP®, founder of Pearl Planning—to explore why breaking money silence is crucial for financial confidence, wealth-building, and stronger relationships.Key Takeaways:

In this weeks episode Patricia shares the second part of her housing journey with us. We discuss the process of finding an apartment, submitting the landlord packet, and finally moving into an apartment. We also discuss the importance of advocating for yourself. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NYCHearOurVoices@gmail.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hear Our Voices' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ account links can be found on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linktr.ee/nyc_hov⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. RESOURCES⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NYC311⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://portal.311.nyc.gov/  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DHS' Prevention Assistance and Temporary Housing (PATH) intake center ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- apply for shelter  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brochure⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HRA Guide for Housing Instability⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠     Education⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Advocates for Children⁠⁠⁠⁠⁠⁠https://www.advocatesforchildren.org/⁠⁠⁠  Contact info for STH Regional Managers: ⁠⁠⁠https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housing⁠⁠⁠Contact info shelter-based STH Family Assistants and school-based STH Community Coordinators:  ⁠⁠⁠https://bit.ly/STHStaff⁠⁠⁠  Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.orgEducation specialist helpline, Monday - Thursday 10am-4pm866-427-6033 or send a message: ⁠⁠⁠https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message⁠⁠⁠  Students in Temporary Housing Tip Sheet: ⁠⁠⁠https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1⁠⁠⁠   Spanish Version: ⁠⁠⁠https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1⁠⁠⁠   ⁠⁠⁠CAMBA, Inc.⁠⁠⁠⁠⁠⁠https://camba.org/⁠⁠⁠ ⁠⁠⁠info@CAMBA.org⁠⁠⁠ ⁠⁠⁠Education and Youth Development⁠⁠⁠ ⁠⁠⁠https://camba.org/program/educationyouthdevelopment/⁠⁠⁠ ⁠⁠⁠Education Center⁠⁠⁠ ⁠⁠⁠College & Career Prep⁠⁠⁠ ⁠⁠⁠Community Centers⁠⁠⁠ ⁠⁠⁠After-School and Summer Programs⁠⁠⁠ ⁠⁠⁠Community Schools⁠⁠⁠ ⁠⁠⁠Young Adult Support⁠⁠⁠Mental Health⁠⁠⁠Better Help Teen Mental Health Resources⁠⁠⁠⁠⁠⁠https://www.betterhelp.com/advice/teenagers/⁠⁠⁠Talk It Out Mental Health Counseling PLLCTalkitoutcounselingservices@gmail.comTracey Liang M.S, LMHC, NCC, C-DBTInterborough development and consultation centerPsychotherapistAddress: Coney Island ClinicIDCC Medical Building2846 Stillwell AveBrooklyn, Ny 11224Tel: (718)975-4888FAX: (718)975-2286Email: tliang@interboro.orgWebsite:⁠⁠⁠ www.interborough.org⁠⁠⁠Languages: English, Cantonese, MandarinHousing Vouchers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Section 8⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/site/nycha/section-8/about-section-8.page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CityFHEPS⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/site/hra/help/cityfheps.page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FHEPS⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/site/hra/help/fheps.page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Special One-Time Assistance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (SOTA)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nyc.gov/site/hra/help/sota.page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Check out other resources: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bit.ly/40pB4p8

How can mothers find the support they truly need in a world that often leaves them feeling isolated?In this inspiring episode, Melissa Joy sits down with Ariel Wan, founder of The Mamas Network, a nonprofit dedicated to creating a safe and empowering space for parents. Ariel shares her journey of building third spaces—welcoming environments where moms can connect, share experiences, and navigate the unique challenges of motherhood without fear or judgment.We explore the economic realities of childcare, the balancing act of work and parenting, and why investing in community support is critical for modern moms. Ariel's vision includes coworking spaces with onsite childcare, offering flexible solutions for parents striving to maintain both personal and professional fulfillment.Key Takeaways: ✨ The power of community in reducing isolation for parents ✨ Why third spaces matter & how they help moms thrive ✨ Economic realities of childcare and the need for flexibility ✨ How The Mamas Network is bridging the gap for working moms ✨ The importance of investing in well-being & support networksJoin us for a meaningful conversation about motherhood, financial wellness, and the importance of strong communities. Don't miss this episode! Subscribe now and let's continue creating spaces where parents feel seen, heard, and supported.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

On April 5, 1951, Julius and Ethel Rosenberg were sentenced to death under the Espionage Act of 1917. The couple was accused of spying for the Soviet Union and providing classified information about nuclear weapons, radar, sonar, and jet propulsion engines. The trial, which was presided over by Judge Irving Robert Kaufman, captured international attention. Narrated by Rebecca Naomi Jones and featuring Martin J. Siegel, author of Judgment and Mercy: The Turbulent Life and Times of the Judge Who Condemned the Rosenbergs.   Image: Cover of Brochure produced by the National Committee to Secure Justice for Morton Sobell in the Rosenberg Case, circa 1954. From the Committee to Free Morton Sobell Collection at AJHS, I-356.   The Wreckage is part of the American Jewish Education Program, generously supported by Sid and Ruth Lapidus.

Ever wondered how to balance your career ambitions while thriving as a dedicated mom?In this empowering episode, we're diving deep into the balancing act of career ambitions and motherhood with an honest, heartfelt conversation about redefining success on your own terms. Melissa Joy, CFP® is joined by the inspiring Hannah Moore, CFP®—a dynamic leader, entrepreneur, and dedicated mom—who shares her journey of embracing multiple roles while staying true to herself.Whether you're navigating the complexities of the corporate world, building your own business, or managing family life, this episode offers practical strategies and transformative insights to help you thrive in every aspect of your life.What You'll Learn in This Episode:✨ Embracing Multifaceted Identities: Discover how integrating your roles as a professional, entrepreneur, and mom can empower you both at home and in the workplace.✨ Navigating Real-Life Challenges: Hear authentic stories of the struggles and successes that come with balancing career and family.✨ Prioritizing Self-Care: Gain actionable tips for carving out time for yourself amid the daily chaos.✨ The Power of Support: Learn why asking for help, setting boundaries, and delegating responsibilities are essential to sustainable success.✨ Redefining Success: Explore how to challenge societal expectations and create a definition of success that truly resonates with your core values.Tune in for an episode filled with inspiration, actionable advice, and a celebration of the incredible journey of modern womanhood. Join us now and step into a life that celebrates every facet of who you are!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

We are on the Hill Advocating for a better future – Sprint, DREEM, Travel & NET -  #S10e162 Tuesday, February 25, 2025 - Week 9   ADVOCACY - Thank you Jessica, Jaime and Vicky for repping SRF at ELF RD Week https://www.linkedin.com/posts/curesyngap1_raredc2025-syngap1-advocacy-activity-7300237949831368705-FIRS    SPRINT4SYNGAP - April 26, 2025 Webinar: cureSYNGAP1.org/S4S25 Guide: cureSYNGAP1.org/S4SGuide   LEVERAGE ON OUR GRANTS #Finland #Missense: https://www.linkedin.com/posts/graglia_kulttuurirahastontuella-skr2025-syngap1-activity-7296289488912191489-rWl-/?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAD8f4B7JC4TMss45Q8hrsq5kiceI0Z8HE   STUDY OF THE WEEK - Email syngap-study@beacon.bio Dreem: https://curesyngap1.org/resources/studies/beacon-dreem-eeg-device-study-in-syngap1/    Study Tracker page: https://docs.google.com/spreadsheets/d/1oQLNi85AUbISmcW0KbsgGn4cBK_4MNuvwGlKUUKLyIQ/edit?usp=sharing    IMPACT REPORT NL43 cureSYNGAP1.org/NL43    ONLINE DID YOU KNOW We have a calendar now! https://curesyngap1.org/calendar/ Brochure is updated: cureSYNGAP1.org/Brochure  YouTube - Adding Family Day Talks - https://www.youtube.com/playlist?list=PLjpr3a14_ls2ummdbWyUdvRpMcQBlRXy2    COMPANY OF THE WEEK - Stoke & Biogen! STK ($0.45Bn) partners with BIIB ($20.5Bn) https://investor.stoketherapeutics.com/news-releases/news-release-details/biogen-and-stoke-therapeutics-enter-collaboration-develop-and   #SpecialNeedsTRAVEL e31 of SYNGAP1 Stories. Navarros - cureSYNGAP1.org/Stories  Comments on YouTube are great, see this presentation by SRF's Heather on travel… https://youtu.be/c7S7q_gK4Bk?si=wM4Ter_q8-37Yg8V   RESEARCH UPDATE There are 318 papers on or related to SYNGAP1 since 1998, but 54 of those are in 2024!  So far 10 (Coller included) for 2025. https://pubmed.ncbi.nlm.nih.gov/?term=syngap1&filter=years.1998-2025&sort=pubdate&timeline=expanded Frazier paper on NET: https://onlinelibrary.wiley.com/doi/10.1002/aur.3290   VOLUNTEER SPOTLIGHT Toby and John Brimsek are tireless.  Thank you. https://curesyngap1.org/team/volunteers/emily-brimsek-phd/    VOLUNTEER  Join us: https://curesyngap1.org/volunteer-with-srf/   CONFERENCE Pre-register now: December 4 & 5 – https://cureSYNGAP1.org/Pre25  REGISTER FOR BRAIN DONATION via https://www.autismbrainnet.org/ https://www.frontiersin.org/journals/neurology/articles/10.3389/fneur.2024.1486227/full   SOCIAL MATTERS - 3,937 LinkedIn.  https://www.linkedin.com/company/curesyngap1/ - 1.28k YouTube.  https://www.youtube.com/@CureSYNGAP1  - 11.5k Twitter https://twitter.com/cureSYNGAP1 - 46.6k Insta https://www.instagram.com/curesyngap1/    NEWLY DIAGNOSED? New families have resources here! https://syngap.fund/Resources    Podcasts, give all of these a five star review! https://podcasts.apple.com/us/channel/syngap1-podcasts-by-srf/id6464522917   Episode 162 of #Syngap10  #CureSYNGAP1 #epilepsy #autism #intellectualdisability #id #anxiety #raredisease #epilepsyawareness  #autismawareness #rarediseaseresearch #SynGAPResearchFund #CareAboutRare #PatientAdvocacy #GCchat #Neurology #GeneChat #F78A1

In this special milestone episode, we're celebrating five years of the podcast and my 50th birthday with an empowering conversation about the transformative power of style! Joining her is Morgan Wider, founder of Wider Style and author of The Worthy Wardrobe, to explore how authentic self-expression through style can elevate confidence, impact success, and create alignment between personal and professional identity.What does your wardrobe say about you? Whether you're navigating rigid dress codes, stepping into leadership roles, or simply seeking a wardrobe that makes you feel powerful and worthy, this episode offers deep insights into the interplay between fashion, self-worth, and success.What You'll Learn in This Episode:✨ The Power of Authenticity in Style: Why dressing as your true self boosts confidence and how to balance self-expression with professional expectations. ✨ Vulnerability & Fashion: How your wardrobe reflects more than just appearance—it's an emotional and psychological tool for self-acceptance. ✨ Strategic Wardrobe Investments: Where to spend vs. save when building a professional wardrobe, especially for women in male-dominated industries. ✨ Wardrobe as a Career Tool: How personal style impacts the way you're perceived and can open doors to unexpected opportunities. ✨ Smart Fashion Purchases: How to elevate your style on a budget with practical tips on investing in key pieces like blazers, shoes, and accessories.Resources:Morgan's online course! Listeners can get 25% off with the code PODCASTIG: @morganwiderstyleConnect on LinkedIn with MorganThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Is Your Family Operating Like a Well-Run Business?In this episode, Melissa Joy, CFP®, explore how families can apply business strategies to create structure and intentionality at home. Our guest, Kelly O'Donnell, an expert in the Entrepreneurial Operating System (EOS), introduces the Vision Traction Organizer (VTO)—a tool that helps families define core values, set a long-term vision, and break goals into actionable steps.Kelly shares how identifying what truly matters can guide financial decisions, time management, and overall family priorities. She also discusses the benefits of quarterly family meetings and "same page meetings" for spouses to ensure alignment and clarity. By integrating structured planning and financial strategies, families can create a stronger sense of purpose while maintaining flexibility for life's unexpected changes.Whether you want to strengthen family bonds, improve communication, or set clear financial and personal goals, this episode offers practical insights to help you build a more organized and intentional family life.Resources & Links:

In Episode 53 of The Chief Exchange Podcast, Alec talks to Durham Fire Chief Robert Zoldos about leadership, recruitment, and firefighter retention. Chief Zoldos shares how his time as a mayor gave him a unique edge in fire service leadership, along with proven strategies to attract and retain top talent. From advocating for pro-athlete-level pay to exploring innovative shift schedules, this episode is packed with insights every fire service leader needs to hear. Plus, we dive into why you should always practice harder than you perform and how to elevate risk management in your department.

Unlock the secrets of tariffs and their far-reaching impact on our global economy with me, Melissa Joy, CFP®, in this illuminating episode of the Women's Money Wisdom Podcast. Ever wondered how tariffs shape international trade and affect your wallet? Get ready to explore the journey of tariffs from their historical role in federal revenue generation to their modern-day implications under recent U.S. administrations.In this episode, we dive into:✅ The history of tariffs and how they were once a major revenue source for governments✅ Why many economists see tariffs as a negative tax on economic growth✅ How tariffs increase costs for importers and spark retaliatory trade wars✅ The role of trade agreements like NAFTA and organizations like the WTO in promoting freer trade✅ The broader impact of tariffs on everyday consumers and investment portfoliosBut that's not all! While tariffs take center stage, we also shift the conversation to women's financial education—an essential tool for navigating today's economic landscape. Financial literacy is the key to making informed money decisions, and we're here to provide the resources and knowledge to help you thrive.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

How does addiction impact financial planning, and why is it so often left out of the conversation? In this thought-provoking episode, Melissa Joy, CFP®, dives deep into this sensitive yet critical topic alongside Karen Coyne, CFP® of Clarity Planning. Karen shares her personal journey and highlights the significant gap in financial planning education when it comes to addiction and its far-reaching effects on individuals and families.Melissa and Karen explore practical tools for addressing these challenging conversations and discuss how financial advisors can better support clients navigating the complexities of addiction. They also delve into the psychological allure of risky financial behaviors like cryptocurrency and meme stocks and the impulsive decisions these trends can inspire.Plus, Karen shares a personal story about teaching her son the importance of financial education, emphasizing the value of open, honest communication in safeguarding your financial future.What You'll Learn:The often-overlooked link between addiction and financial planningPractical ways financial advisors can approach sensitive client challenges with empathyThe psychological appeal of high-risk financial behaviors like crypto and meme stocksStrategies for fostering transparency and self-awareness in financial discussionsResources & Mentions:Clarity Planning with Karen CoyneRelated Episode: Tackling Mental Health in Financial PlanningThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

In this insightful episode, Melissa Joy, CFP® is joined by Ashley Waddell-Tingstad, founder of Treetown Law, to explore the vital yet often misunderstood world of estate planning. Together, they uncover the significance of preparing for life's expected and unexpected moments with key documents such as powers of attorney and healthcare directives. Ashley's expertise brings clarity to the complexities of estate planning, emphasizing the importance of building strong foundations for navigating transitions and crises smoothly. What You'll Learn in This Episode: Why estate planning matters: How essential documents like powers of attorney and healthcare directives prepare you for life's uncertainties. Probate vs. trusts: Understanding the burdens of probate and how trusts can simplify asset management, especially for families with minor children. Beneficiary designations: Strategies for minimizing the probate process by keeping beneficiary designations up to date. Revocable living trusts: The privacy, flexibility, and tax advantages they offer, and why they're not just for the wealthy. State-specific planning: The importance of consulting a local attorney to ensure your estate plan complies with unique state laws. Post-death planning: How trusts can protect assets from legal and financial vulnerabilities. Resources: Treetown Law LinkedInAshley on LinkedInTreetown Law on FB The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

In this enlightening episode, we sit down with Sharon McRill, founder of Betty Brigade, to explore the transformative power of professional organizing, outsourcing, and future-proofing your life. Sharon shares her journey from corporate burnout to building a business that helps clients manage home organization, relocation, and vendor coordination with ease.We delve into the challenges faced by the "sandwich generation," juggling belongings and responsibilities for their children, spouses, and aging parents. Sharon shares a powerful story of how her team helped an overworked attorney reclaim his home and peace of mind, showing just how life-changing professional organizing can be.Discover the art of maximizing your personal time by outsourcing tasks, rethinking the 'do-it-yourself' mindset, and focusing on what matters most. Learn how to cherish and use your treasured possessions rather than letting them gather dust and how clearing your physical space can enhance your mental well-being.Sharon highlights her book, Downsizing the Silver Tsunami, a must-read guide for managing trusts, estates, and the emotional process of decluttering.Listen and Learn:Reclaiming Your Space: How professional organizing can transform your home and well-being.The Sandwich Generation Struggle: Strategies to balance belongings and responsibilities across generations.Outsourcing for Success: Why letting go of the 'do-it-yourself' mindset can free your time and reduce stress.Cherishing Your Possessions: Using what you love and finding joy in your space.Future-Proof Your Life: The benefits of home inventories, wills, and trusts for peace of mind.Motivation and Momentum: How to tackle overwhelming projects and clear spaces faster.Expert Advice: Practical tips from Sharon's book, Downsizing the Silver Tsunami, on managing estates and trusts.Resources MentionedDownsizing the Silver Tsunami by Sharon McRill Betty Brigade Services IG  @bettybrigadeThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...