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Losing a spouse is one of life's most difficult experiences, emotionally and financially. Many retirees are surprised to learn that widowhood can also create significant tax and retirement-planning challenges that may affect income, Medicare premiums, estate plans, and long-term financial security. In this episode, Larry Heller, CFP®, CDFA®, explains why the loss of a spouse can create unexpected financial challenges for retirees, including higher taxes, rising Medicare premiums, and changes to retirement income. He discusses how required minimum distributions, Social Security survivor benefits, and IRMAA thresholds can affect a surviving spouse's long-term financial picture. Larry also shares proactive planning strategies couples can consider before widowhood, including Roth conversions, tax-bracket management, beneficiary reviews, and estate planning updates. Through real-life examples, he highlights how thoughtful preparation can help surviving spouses avoid costly mistakes and navigate a difficult transition with greater confidence and clarity. What to expect: Why surviving spouses often face higher taxes after the loss of a spouse How the widow and widower tax penalty impacts retirement income The effect of IRMAA and rising Medicare premiums for single filers How required minimum distributions can create larger future tax burdens And more! Connect with Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/
Almost everyone has heard of a prenup, but very few of us have actually sat down and thought one through in practical terms. In this episode, Melissa Joy, CFP®, opens up a candid, surprisingly approachable conversation about what prenuptial agreements really are, who they are for, and why they belong in the financial planning discussion. Whether you are considering one for yourself or thinking about the next generation in your family, this is a topic worth understanding before the question ever comes up.Melissa is joined by Kaylin Dillon, CFP®, a fee-only financial planner in Lawrence, Kansas, who has built a specialty around couples with separate assets, blended finances, and prenups. Kaylin reframes the prenup as a partnership exercise rather than a defensive move, walking through what can go into an agreement, why each partner needs their own attorney, how inherited and family wealth complicate things, and the single biggest mistake couples make. It is a thoughtful, practical look at planning for marriage with eyes wide open.What You'll LearnWhat a prenuptial agreement actually is, and why it is not only about divorceWhy each partner should hire their own family law attorney, and how that protects the validity of the agreementWhat can go into a prenup, from current assets and debts to future businesses, homes, life insurance, and even estate termsWhy inherited and family wealth is one of the most common reasons couples pursue a prenup, and how to protect both sidesThe legal standard of unconscionability, and why a 30-day runway before the wedding is far too shortThe number one mistake couples make: rushing the process before agreeing on their own goalsWhy a joint financial plan is Plan A and the prenup is usually Plan BHow a prenup coach can support a couple alongside their attorneys to keep the process focused and less expensiveConnect with Kaylin:Website: kaylindillonfinancial.comThe Prenup Coach: prenupcoach.comInstagram: https://www.instagram.com/theprenupcoach/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...
Today I am joined by a Workamper who served as a camp host for many years, and wrote a book about his experiences. Many people dream about Workamping, but few get to see what really happens behind the scenes. Today’s guest, Steven Erkman, pulls back the curtain in a fun and entertaining way through his book titled, “Not The Brochure.” Steven and his girlfriend have spent years traveling full time across the United States and Workamping in campgrounds and RV resorts. Along the way, he collected dozens of stories that reveal the humorous, unpredictable and sometimes chaotic side of campground life. In this episode, Steven shares how a series of Facebook posts eventually turned into a book filled with real-life experiences from the front lines of Workamping. You’ll hear stories about demanding guests, unusual campground emergencies, wildlife encounters and the creative problem solving that often comes with the job. If you’ve ever wondered what campground guests don’t see behind the scenes, or if you’re considering becoming a Workamper yourself, this conversation offers a realistic and entertaining glimpse into the lifestyle. Steven’s stories remind us that one of the greatest benefits of Workamping is that no two days are ever the same. Throughout this conversation, Steven shared how years of full time travel and Workamping provided not only a place to stay and work, but also a front row seat to some truly unforgettable experiences. From unexpected guest requests and campground emergencies to wildlife encounters and daily surprises, he discovered that people are often the most unpredictable part of the job. His experiences also highlight the flexibility, creativity and sense of humor that help successful Workampers thrive. Whether he was helping stranded guests, solving campground challenges or simply observing human nature in action, Steven found inspiration for dozens of stories that eventually became his book, “Not The Brochure.” If you’re looking for a lighthearted look at campground life and the realities of Workamping, Steven’s book offers plenty of laughs and more than a few moments that will feel familiar to experienced Workampers. To learn more about Steven, visit stevenerkman.com, connect with him on Facebook or follow his writing at Substack. His book, “Not the Brochure,” is available on his website, Amazon and in other bookstores. Today's episode is sponsored by Workamper News. Much more than just a job-listing website, when you put the tools of this professional service into action, you'll find out just how easy it can be to turn your Workamping dreams into reality. A Workamper membership opens the door to a one-stop-shop for all-things Workamping. Being the original resource for Workamping, you'll find the largest number of job listings, be able to connect with a community of Workampers, and view resources compiled by experts who have been enjoying the RV lifestyle for many years. If you're serious about leading a successful and enjoyable Workamping lifestyle, then membership is for you. Join today at www.workamper.com. Embark on new adventures today with the support of Workamper News behind you! That's all for this week's show. Next time I will be speaking with a Workamper who is making a repeat appearance on the show after releasing her new book titled, “Unfolding: Seven Years of Life-Changing Solo Adventure, One Year That Broke Me Open.” I'll have that interview on the next episode of The Workamper Show. If you like these interviews, please consider leaving a review wherever you download the episodes.
Women are told to lean in, negotiate, and step up. And many do. But new research reveals that doing all the right things still isn't enough — and may actually work against them. On this episode of Women's Money Wisdom, Melissa Joy, CFP®, sits down with award-winning journalist and author Stefanie O'Connell to unpack the systemic forces that penalize women for their ambition, and what that means for their careers, their wealth, and their livesStefanie's book, The Ambition Penalty: How Corporate Culture Tells Women to Step Up and Then Pushes Them Down, draws on research across sociology, psychology, economics, and public health to dismantle the persistent myths used to explain away the gender pay gap. This is not a conversation about what women are doing wrong. It is a conversation about what the system is doing to them.What You'll Learn:Why the most commonly cited explanations for the gender pay gap — job choice, caregiving, and lack of negotiation — are not supported by the dataHow ambition itself is weaponized against women as they advance beyond entry-level rolesWhy elevating a single woman into leadership can actually make gender inequity worseHow the ambition penalty shows up in personal relationships, not just the workplaceWhat pay transparency and collective action can do that individual best practices alone cannotThe research-backed threshold at which women's representation in leadership begins to close pay and promotion gapsAbout Stefanie O'Connell:Stefanie O'Connell is an award-winning journalist and the author of The Ambition Penalty: How Corporate Culture Tells Women to Step Up and Then Pushes Them Down. Her work draws on interdisciplinary research to expose the structural forces behind gender inequity in pay, leadership, and power. She also writes the Too Ambitious newsletter.Website: tooambitious.comBook: ambitionpenalty.comNewsletter: Too Ambitious on SubstackInstagram: stefanieoconnellLinkedIn: Stefanie O'Connell on LinkedInThe 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 milestone 200th episode of Retirement Unlocked, Larry Heller reflects on the journey of building the podcast from an audio-only show into a growing multimedia platform focused on helping people make smarter retirement decisions. Joined by co-host Bill Tucker, Larry shares why the podcast was created, the lessons learned over 200 episodes, and how financial education can truly impact people's lives. In this episode, Larry explores how he has always aimed to make financial planning more understandable as he continues to stay ahead of constant changes in tax laws, and retirement strategies. He expresses gratitude to his listeners, clients, and guests who have helped the podcast grow to nearly 50,000 YouTube views as it continues into its next chapter. Larry Heller, CFP®, CDFA®, discusses: How Retirement Unlocked has changed over the years Why retirement planning is more about cash flow than net worth How taxes can become more complicated in retirement Why financial planning should evolve as life changes And more! Connect with Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/
What does it look like to turn a hobby into a thriving business — with no roadmap, no industry model to follow, and a drafty warehouse as your starting point? Melissa Joy, CFP®, sits down with Christy Howden, CEO and co-founder of Wolverine Pickleball, to trace an extraordinary entrepreneurial journey from stay-at-home mom to leader of one of the country's first pickleball-centric destination facilities.Christy shares how a 2017 New Year's resolution sparked a business she never could have predicted, and how she and her business partner bootstrapped their way from rented school gyms to a 38,000 square foot facility that has become a community hub for connection, play, and purpose. Along the way, Melissa Joy, CFP®, weighs in on what financial planners can and cannot say about investing in private businesses and why having a frank conversation with your advisor matters more than the answer you get.What You'll LearnHow Christy and her business partner built Wolverine Pickleball from the ground up with sweat equity, community volunteers, and a minimum viable product mindsetWhy 80% of their investors were women and what it means to make a lifestyle investment that overrides professional financial adviceHow Melissa Joy, CFP®, approaches conversations about investing in small businesses and passion projectsThe funding realities female entrepreneurs face and why the statistics around fundraising make building community capital even more importantHow a second act business can emerge from a life transition and why community is often the renewable energy source behind entrepreneurial endurancePractical ways listeners can support small businesses beyond just showing upConnect with Christy: wolverinepickleball.comhttps://www.instagram.com/wolverinepickleball/ https://www.facebook.com/WolverinePickleball/Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor or by any client, nor are they representative of any one client's evaluation. Generally, ratings, rankings, and recognition are based on information prepared and submitted by the advisor. This ranking is based on data as of 12/31/2025. The ranking was released on 02/12/2026. Pearl Planning and Melissa Joy did not pay any compensation to be considered for this rating and does not pay an annual fee for marketing usage of the logo. The methodology used to determine The Michigan 50 Companies to Watch award can be found here: Please visit the ranking methodology page for more info.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...
Teikoku USA makes the canned motor pumps that the chemical, hydrocarbon, and nuclear industries reach for when leaking is not an option. For years, growing public awareness of dangerous chemicals quietly expanded the company's addressable market for them. Then, leadership asked the sales and marketing team to grow faster anyway. Chaitanya Sakhalkar joins The Kula Ring to share what came next: modularizing a product that had always been engineer-to-order, building decision trees so the sales team and channel partners could tell the right story to the right buyer.
The financial news cycle moves fast, but the fundamentals of investing have not changed. Melissa Joy, CFP® sits down with Ben Carlson, Director of Institutional Asset Management at Ritholtz Wealth Management and author of five books including his latest, Risk and Reward, to explore what history actually teaches us about markets, human nature, and the psychology behind smart long-term investing. Ben brings equal parts data and storytelling to make the case that understanding the past is one of the most underrated tools an investor can have.From the inflationary spiral of the 1970s to lost decades and the dot-com aftermath, Ben and Melissa walk through the market cycles that shaped today's investing environment and what those periods reveal about our own tendencies as investors. They also dig into the coming wave of wealth transfer, why women will increasingly control the bulk of financial assets, and why the financial advice industry is not yet ready for it.What You'll LearnWhy studying financial history matters and what it reveals about the range of possible outcomesHow inflation in the 1970s shaped investor psychology in ways that still resonate todayWhat the lost decade of 2000 to 2010 teaches about diversification and why that lesson keeps getting forgottenWhy simplicity in a financial plan beats complexity almost every timeHow to build a portfolio durable enough to survive a wide range of outcomes without requiring you to predict the futureWhy preparation is more valuable than prediction when it comes to investingWhat the great wealth transfer means for women and why the financial advice industry needs to catch upHow human nature is the one investing variable that never changes across market cyclesWhat Ben's list of 20 investing beliefs reveals about discipline, self-awareness, and behavioral financeWhy the best financial plan is the one you can actually stick with through difficult marketsAbout Ben CarlsonBen Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of five books on investing and personal finance, including his latest, Risk and Reward. He is the creator of the blog Wealth of Common Sense and co-host of the Animal Spirits podcast.Book: Risk and RewardBlog: awealthofcommonsense.com Podcast: Animal SpiritsThe 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...
Retirement is often sold as a dream, filled with white sand beaches and endless relaxation, but the reality can be quite different.But what if some of the things we've been told about retirement simply aren't true?In this video, I'm sharing 13 of the biggest retirement lies and myths that many retirees discover after they leave work behind.From “you'll never feel stress again” to “you'll sleep in every day” and “you'll finally feel free,” retirement often looks very different than people imagine. Some surprises are wonderful. Others can leave people feeling confused, lonely, restless, or wondering why retirement doesn't feel the way they expected.If you are retired, close to retirement, or dreaming about retirement someday, this video may help you prepare for the emotional, mental, and lifestyle changes nobody really talks about.Topics include:• Retirement boredom• Friendship changes• Sleeping and energy• Stress after retirement• Freedom vs responsibility• Travel expectations• Feeling younger in retirement• And more…Retirement is not the end of life. For many people, it's the beginning of learning who they are without the job title.If you enjoy honest conversations about retirement lifestyle, purpose, travel, happiness, and aging well, I'd love to have you subscribe.Timestamps0:00 - Introduction1:13 - You'll finally be happy2:02 - You'll be bored2:55 - You'll sleep in4:00 - You won't feel stress anymore4:40 - Retirement is the end5:12 - You'll travel all the time5:55 - Retirement & marriage7:10 - You'll feel young & free8:04 - You'll know what to do8:57 - You won't care what others think9:48 - You'll spend less10:19 - You're friendships won't change11:17 - Retirement is freedomPlease join our Facebook group at www.facebook.com/groups/lifestartsatretirement#Retirement #RetiredLife #RetirementPlanning #LifeAfterRetirement #RetirementTruth
Many retirees assume their Medicare premiums will stay consistent once they enroll. But that's not always the case, especially for higher-income individuals. In this episode, Larry Heller, CFP®, CDFA®, breaks down IRMAA, the income-related surcharge that can increase your Medicare Part B and Part D premiums based on income from two years prior. He explains how everyday financial decisions, from IRA withdrawals to capital gains and Roth conversions, can unexpectedly push you into higher premium brackets. Larry discusses: What IRMAA is and how it impacts Medicare premiums How income from two years prior determines your current costs Common triggers like Roth conversions, property sales, and large withdrawals Strategies to potentially reduce IRMAA through proactive tax and income planning Why coordinating tax, investment, and healthcare decisions is essential in retirement And more! Resources: SSA Form 44 (to report a life-changing event and potentially reduce IRMAA) Medicare IRMAA income brackets and thresholds Connect with Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/
Découvrez la programmation des films du mois de mai, décrite par David Lheureux, qui nous a reçu Au StudioVous pourrez y découvrir ou redécouvrir des films comme Dune (Lynch) ou Rushmore (Anderson), une programmation à ne pas louper !!Brochure à retrouver ici
A great-looking website doesn't always mean great results. In this episode, we explore why so many cleaning company websites fail to convert—and what you can do about it.
Nearly a quarter of Americans have no traditional next of kin, yet the financial planning industry has long operated as if everyone will eventually have children. Melissa Joy, CFP® sits down with Maddy Roche, co-host of the Child Free Life by Design Podcast and Chief Growth Officer of Partnerships for Child Free Trust, to talk about what changes and what becomes possible when you are building a financial life without kids. Maddy brings both personal and professional perspective to the conversation. As someone who is child free by choice, she shares how a financial plan created specifically for her shifted her entire mindset around spending, legacy, and the concept of dying with zero. She and Melissa dig into why estate planning has been so hard for this demographic to complete, why that needs to change, and how Child Free Trust is filling a gap that trust companies and traditional advisors have largely left open. What You'll Learn Why child free people represent a distinct and underserved financial planning demographic How planning assumptions tied to children create blind spots for advisors working with this group Why long-term care insurance matters more than life insurance for most child free people What the die with zero philosophy means and how it gives child free people a financial permission slip to spend and experience more Why upwards of 70 percent of child free people do not have a legally binding estate plan in place How to reframe estate planning as contingency planning and why it matters long before death What roles are required in a complete estate plan and why they are especially hard to fill without children How Child Free Trust serves as a professional fiduciary in the roles of medical and financial power of attorney, executor, and trustee Why hourly billing rather than assets under management makes professional fiduciary services more accessible How the Child Free Trust care document captures everything from pet care plans to end of life wishes Estate Planning and Membership: ChildFreeTrust.com Thought Leadership, Podcast, and Community: ChildFreeInsights.com 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...
Sweden's constitution, its geography and its modern history are just some of the topics included in new educational material for the country's upcoming citizenship test, published online this week. Listen as we look at some of the topics covered in the brochure released by the Swedish Council for Higher Education, as well as what we know about how the test that's set to be taken for the first time this August will work.Also: The drama over the now-defunct pairing agreement between Sweden's political parties continues, following last week's vote on transition rules for the government's new citizenship rules.Presenters: Dave Russell and Michael WalshReporter: Liv LewitschnikProducer: Sujay Dutt
A new type of savings account has entered the conversation, and if you have young children, you need to know about it. Melissa Joy, CFP® sits down with Ann Garcia, CFP®, returning guest, college funding expert, and author of How to Pay for College, to break down the newly created Trump accounts. Also known as 530A accounts, these IRA-style vehicles are generating a lot of buzz, and Ann helps separate the hype from the reality so families can make smart decisions about whether and how to use them. The conversation goes beyond the new accounts. Melissa and Ann also respond to a widely shared Wall Street Journal article about a financial planning expert who is skipping 529s for his own kids, and explain why that strategy works for a very small slice of the population but could leave most families short. They close with practical wisdom on how to talk to your kids about money at every age, and why starting simple is always better than waiting until you have the perfect lesson plan. What You'll Learn What Trump accounts (530A accounts) are and how they work How to open an account and claim the free government funding your child may be entitled to Why Trump accounts are generally not the best vehicle for college savings, and what to use instead How the kiddie tax affects withdrawals and why it matters for your planning The difference between how Trump accounts and 529s are treated on the FAFSA The Wall Street Journal article making the case to skip 529s, and why Ann and Melissa push back Why the 529 remains one of the most flexible and tax-efficient tools for college savings When and how to help your young adult children get their first Roth IRA open Why automating your financial life is the antidote to always being in triage mode Connect with Ann Garcia, CFP® Website: howtopayforcollege.comBook: How to Pay for CollegeThe Mather Group: themathergroup.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...
What would it look like to stop working at 50? Or to step away from a high-powered career and spend your time doing something that lights you up instead? For many women, this is not just a dream. With the right plan, it is a very real option. Melissa Joy, CFP® sits down with Bridget Grimes, founder of Wealth Choice and co-founder of Equita Financial Network, to talk about what retiring in your 50s or 60s actually requires, from knowing your cost of living to healthcare coverage, Roth conversions, and finding purpose on the other side.Bridget is a financial planner, CFP Board Ambassador, and fierce advocate for women and women-led financial firms. She works with breadwinner women every day who are building toward financial independence, and in this conversation she pulls back the curtain on the planning conversations that make early retirement possible.What You'll LearnWhat Coast FIRE is and why it resonates with so many high-achieving womenWhy knowing your actual cost of living is one of the most important retirement planning inputsHow a stair-step retirement, with part-time or passion work, can meaningfully improve your financial pictureWhy healthcare is the biggest wild card for anyone retiring before Medicare eligibility at 65How to think about COBRA, the ACA exchange, and HSAs as part of your early retirement planWhy having multiple account types, taxable, pre-tax, and Roth, gives you flexibility and tax optionsHow Roth conversions work as a multi-year strategy and why doing them all at once can backfireWhat the Rule of 55 means for 401k access and how it differs from IRA rulesWhy rebalancing your investment allocation matters when you stop earning and start drawingHow to give yourself permission to think about what you actually want your life to look likeWhy early retirement is as much a social and emotional transition as it is a financial oneWhat to look for in a financial advisor if you are planning to retire earlier than traditional agesConnect with Bridget GrimesWebsite: wealthchoice.comLinkedIn: linkedin.com/in/bridget-venus-grimes-cfpFacebook: facebook.com/wealthchoiceInstagram: 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...
April 2026 – Planning and delivering change in pensions In this podcast, Aon's Louise Dale and Tim Lancaster are joined by colleagues Fatema Dewji and Dana Weisner to discuss delivering pensions projects, with appropriate oversight, in an ever-changing landscape. You will also hear the key pension news from the last month summarised by Louise Dale and Tim Lancaster. Read our recent article exploring strategic programme consulting in pensions: https://www.aon.com/getmedia/06eab0be-7eb2-4551-aace-fe27e3e0cf70/PA_Nov_25_AonGov2.pdf Discover how Aon's programme management can work: https://www.aon.com/getmedia/944e38b2-a7bb-4b4a-af51-6a0ec96b76b7/Programme-Management-2025-Brochure.pdf Join our upcoming webinar - Protecting the member Experience in a Changing World: https://www.aon.com/unitedkingdom/most/webinar Access the UK Results of Aon's latest Global Pension Risk Survey: https://www.aon.com/uk-global-pension-risk-survey-2025-26-v2 Email us your topic suggestions, comments and questions to TalkToUs@aon.com
Retirement is often seen as a finish line, but in reality, the years surrounding it are where some of the most important decisions get made. In this episode, Larry Heller, CFP®, CDFA®, explains the concept of the retirement “danger zone”, the five years before and after retirement when financial, tax, and lifestyle decisions can have long-term consequences. Larry discusses: Why relocating for tax savings is not always as straightforward as it seems The hidden costs of moving, including healthcare, housing, and lifestyle changes How state-specific rules can impact taxes, estate planning, and retirement income The importance of residency rules and avoiding costly mistakes Real-life examples of retirees who experienced unexpected outcomes after relocating And more! Connect with Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/.
Most people know they need an estate plan. Far fewer actually have one, and even fewer have had the conversations with their families that make that plan meaningful. Melissa Joy, CFP® sits down with Nicole Adkison, estate planning attorney and wealth strategist, to talk about what thoughtful estate planning really involves, from the foundational documents to the deeper family conversations that give those documents their purpose.Nicole works with families and their advisors to design forward-looking plans that protect assets and preserve family harmony. In this conversation, she brings both the technical framework and the human heart of estate planning into focus, including why the why behind your decisions matters just as much as the what.What You'll LearnWhat estate planning actually is and why a will alone is rarely enoughWhy probate is a process worth avoiding and how a revocable trust helps you do thatWhat powers of attorney and healthcare directives do and what happens without themWhy complexity in an estate plan does not just mean complex assetsThe most common source of family conflict after a death and how to address it before you are goneWhy being named trustee is rarely the honor it is treated as and how to choose the right person for the jobHow to have age-appropriate conversations about money and legacy, even with young childrenWhat purpose statements inside your estate plan can do that the documents alone cannotWhy unequal distributions are sometimes the fairest choice and how to explain them to your familyHow dynasty trusts work as a family bank rather than a windfall and why that matters for long-term legacyWhy your estate plan should be reviewed regularly and what a good advisor relationship looks like over timeThe role your financial advisor and estate planning attorney should play together Connect with Nicole Adkison: Website: adkisonlaw.comLinkindIn: https://www.linkedin.com/in/nicole-adkison-7236408/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...
No one expects to get in an accident. But when you do, and when injuries are involved, navigating the insurance system and legal landscape can feel overwhelming. Melissa Joy, CFP® sits down with Megan Burns, founder of Mirador Law and personal injury trial lawyer, to pull back the curtain on what actually happens after an accident and how to protect yourself before one ever occurs.Megan brings both professional expertise and personal experience to this conversation, having been seriously injured in a bike accident in her early twenties. From understanding your auto insurance coverage to knowing when you need a lawyer and when you do not, this episode gives listeners a practical, honest roadmap for one of the most financially and emotionally complex situations a person can face.What You'll LearnWhy your insurance policy is a financial hedge and how to treat it like oneThe difference between fault states and no fault states and what that means for your coverageWhy uninsured and underinsured motorist coverage is one of the most important protections you can haveHow Michigan's 2020 no fault law changes affect what you are actually covered forWhy disability insurance may be as important or more important than life insuranceWhen you absolutely need a personal injury attorney and when you do notHow to find a quality personal injury lawyer and the red flags to avoidWhy hiring a trial lawyer specifically makes a significant difference in outcomesWhat to expect from the legal process after signing with an attorneyHow umbrella liability insurance works and why it matters for protecting your assetsConnect with Megan: Website: www.miradorlaw.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...
Retirement can look solid on paper, but confidence doesn't come from a number; it comes from how your money actually works for you. In this episode, Larry Heller, CFP® breaks down why cash flow, not net worth, is the true driver of financial confidence in retirement. He explains how multiple income sources, tax considerations, and withdrawal strategies must be coordinated to create a sustainable plan. Larry also highlights the risks of relying on outdated strategies like “living off income” and why a more dynamic approach is needed. Through real-life examples and practical insights, he shows how structuring cash flow properly can reduce stress and support long-term lifestyle goals. Larry discusses: Why net worth alone doesn't determine retirement confidence How income sources, taxes, and withdrawals must work together The impact of required minimum distributions and future tax brackets Why “living off income” isn't always a sustainable strategy How to structure cash flow to support lifestyle and long-term goals The role of liquidity and short-term cash reserves in reducing stress Real-life examples of retirees with strong assets but no clear plan And more! Connect with Larry Heller: (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures
Most people think investing means picking the right stocks and getting rich. But according to Cullen Roche, founder and CIO of Discipline Funds and author of Your Perfect Portfolio, that mindset is one of the most costly mistakes investors make. Melissa Joy, CFP® sits down with Cullen to unpack what investing actually is, why time horizons matter more than almost anything else, and how to build a portfolio you can stay loyal to when markets get uncomfortable.From the three fund portfolio to dividend strategies to the growing world of high fee distribution ETFs, Cullen breaks down a wide range of investment approaches with honesty and clarity. This is not a conversation about hot stocks or market timing. It is a conversation about building something that actually works for your life.What You'll LearnWhy investing is better understood as a reallocation of savings than a path to getting rich quickHow thinking about time horizons can transform the way you build and manage a portfolioWhy planning toward averages, including average life expectancy, can set investors up to failWhat the three fund portfolio is, why it works, and where it may fall short for some investorsThe pros and cons of dividend focused portfolios and what investors often misunderstand about themWhy distribution ETFs are not the income generating bond alternatives they are often marketed asHow an asset liability matching approach can help investors align their money with real life goalsWhy managing your own behavior is the most critical component of long term investment successWhat the financial media gets wrong and how to tune out the noise without missing what mattersConnect with Cullen: Website: https://disciplinefunds.com LinkedIn: https://www.linkedin.com/in/cullenroche X: https://x.com/cullenrocheThe 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...
Retirement is one of the most talked about financial milestones, but the concept of retirement itself, what it looks like, how it feels, and how to actually envision it, often goes unexplored. Melissa Joy, CFP® sits down with Jamie Hopkins, CEO of Bryn Mawr Trust, and Bonnie Treichel, CEO of Endeavor Retirement, to talk about their new book, Your Retirement Sketchbook. Equal parts workbook, coffee table book, and retirement roadmap, it covers 125 snackable concepts designed to help readers think about retirement in a whole new way.From vision boards to estate planning, adaptive spending strategies to the emotional side of leaving a career behind, Jamie and Bonnie bring both the technical and the human side of retirement planning into focus. This is a conversation for anyone who wants to move beyond the spreadsheet and actually picture what retirement can look like for them.What You'll LearnWhy most people build their retirement vision from someone else's experience and why that creates problemsHow planning toward averages, including average life expectancy, can lead you astrayWhat adaptive retirement planning is and why it better reflects how people actually liveWhy many retirees with significant savings actually underspend and how to give yourself permission to enjoy what you have builtHow retirement vision boards work and why putting yourself on the board changes everythingWhy your relationship with money follows you into retirement and how the book addresses that head onWhat the sketchbook concept means and how the book invites you to evolve your plan over timeWhy end of life planning remains the most overlooked piece of retirement and what to do about itHow Jamie and Bonnie each updated their own estate plans while writing the bookConnect with Jamie: www.bmt.comhttps://www.linkedin.com/in/jamiehopkinsfinancialservicesConnect with Bonnie: www.endeavor-retirement.comIG: @retirementrisks 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...
He expected Petra, Wadi Rum, and the Dead Sea to be unforgettable. He knew Capernaum, Caesarea, and Jerusalem would leave him in awe. But what he didn't expect? That this would be the trip he not only wanted but deeply needed. That walking the Land would feel like reading a “fifth Gospel.” And that the friendships and sense of community—*not in the brochure—would become one of the most meaningful parts of the journey. In this episode, Matt Olson of Laurel, Mississippi shares his experience from the Pastors' Trip to Jordan & Israel with Rich Ferreira (Jan. 11–23, 2026), reflecting on how this trip was far more than a tour—it was a transformative encounter with Scripture, impactful places, and most importantly, the Person of Christ. Read their trip blog: https://gtitours.org/tour-journal/israelfam26 Dancing on the Galilee boat ride: https://vimeo.com/1155614132?share=copy&fl=sv&fe=ci More about the pastors' discounted tour: https://gtitours.org/discipleshipincontext Video podcast: https://youtube.com/playlist?list=PLXcitijwd7YQpy-2gjQn9DrMXJWRpGEEq&si=FP5SWjoy5rzAOFc_
Hey everyone! We're back (again!) and we hope you didn't miss us too much. In this episode, we're going to be discussing safety events, safety reporting and the compilation of information in the Investigator's Brochure. Remember, you can get in touch with us via clinical.research.intro@gmail.com. Please feel free to send questions, comments and compliments for Elyse to read out on the pod. It's fun to make Debbie squirm! Credit to our friend Sam Winnie for their awesome and cute music. Check out their work at https://www.samwinnie.com/
In the world of business technology, it is easy to get blinded by glossy brochures and a laundry list of technical specifications. But frequency ranges and battery life mean absolutely nothing if they don't solve a headache for the person on the other side of the desk. In this episode, Chris Black challenges leaders and sales teams to move past the "what" and get straight to the "why" of professional communications.On this episode:The Paperweight Trap: Chris explains why the most advanced radio on the planet is just an expensive paperweight if it doesn't translate into tangible value for a transportation director or a site foreman.The True Currency of Connection: Real value isn't found in a manual; it's found in the quiet moments of a workday—like a fleet manager getting their team home for dinner thirty minutes earlier or a bus driver instantly alerting a dispatcher during a medical emergency.Buying Back Peace of Mind: Learn how to reframe your pitch. We aren't just integrating the Horizon platform; we are eliminating dead zones, ensuring DOT compliance, and buying back the time lost to logistical guesswork.Investment vs. Expense: Chris discusses how to shift the conversation from a "line item on a budget" to a "foundation for growth." When you solve a client's specific pain points—like cellular overages or distracted driving risks—you prove that you value their success as much as your own.Links & Resources:The Home Base: thefamboss.comConnect Your Fleet: dccipro.comListener Line: Call 855-4-PODCAST (855-476-3227) to share how you've shifted your perspective from products to solutions.Stop pushing products and start providing a foundation for others to build their dreams on. If this episode helped you find your "why," make sure to Like, Subscribe, and Share. Go enjoy your family, stay value-driven, and we'll see you on the next one.
Teaching kids about money is one of the most important things we can do as parents, but it's also one of the most overlooked. Melissa Joy, CFP® sits down with returning guest Charlotte Geletka, CFP® and owner of Silver Penny Financial Planning, to talk financial literacy at every age and the charming children's book she co-authored with her 12 year old son, Battery, the Bulldog and the Funny Money Tree, released on March 17th.From tooth fairy moments to teenager debit cards to the real cost of college debt, Charlotte breaks down how money conversations can and should evolve as children grow. She and Melissa explore the dangers of TikTok financial advice, the gamification of investing, and why conscious spending beats the YOLO mentality every time.What You'll LearnHow children begin forming money concepts earlier than most parents realizeWhy giving small kids cash to spend at the store is one of the best financial literacy tools aroundHow kid friendly debit cards like Greenlight are teaching real world money management in middle and high schoolWhy TikTok financial advice and gamified investing apps are a growing concern for parentsHow to have honest conversations with your kids about income, debt, and what things actually costWhy the financial decisions made in your early twenties have an outsized impact on the rest of your lifeThe difference between payment focused thinking and understanding the true cost of creditHow Charlotte and her son Andrew created Battery, the Bulldog and the Funny Money Tree together and what it took to get it publishedConnect with Charlotte: Instagram: @silverpennyfinancial LinkedIn: https://www.linkedin.com/in/charlottecowangeletkacrpc/ Book: Battery, the Bulldog and the Funny Money Tree: https://littleripples.media/books/battery-the-bulldog-and-the-funny-money-treeThe 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 does it look like when financial planning meets love, courage, and intentional family leadership? Melissa Joy, CFP® sits down with Shelby Nicholl, founder of Muriel Consulting, to share the story of her father-in-law's remarkable family meeting, held just weeks before his passing. From a handout at the table to a hug at the end, this episode is a powerful reminder that clarity is one of the greatest gifts we can give the people we love.Papa Harry didn't wait for the hard conversations to find him. When he learned his illness was terminal, he went into action. A new roof, a clean garage, and a carefully prepared Sunday evening meeting with handouts and pens. What unfolded was one of the most organized, loving, and generous acts a parent can offer their family, and a masterclass in what it looks like to lead with both heart and intention.What You'll LearnWhy family meetings matter and how to structure one before a crisis hitsHow one family organized passwords, daily bills, and account access in a single sittingWhat medical directives really mean and the nuanced questions families often missHow to talk about wealth, legacy, and inheritance in a way that feels natural and generousWhy beneficiary designations deserve a second look, especially for DIY investorsHow to think about bringing in a financial advisor during a transition of responsibilityWhat family governance can look like beyond dollars and centsHow one family meeting set the tone for values, communication, and stewardship across generationsConnect with Shelby:www.murielconsulting.comhttps://www.linkedin.com/in/shelbynicholl/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...
Many organizations assume a polished campaign brochure is one of the first things they must create for a capital campaign. That assumption can slow down the most important work of building a compelling campaign.In this episode of All About Capital Campaigns, Andrea Kihlstedt talks with Sarah Plimpton, Vice President and Chief Happiness Officer at Capital Campaign Pro, about campaign communications and why the traditional campaign brochure is often the wrong place to start. Drawing on conversations with many campaign leaders, Sarah explains why organizations frequently rush to produce glossy materials and how that instinct can interfere with stronger donor engagement.The discussion begins with a common scenario. Boards and campaign committees often want a sophisticated brochure they can show friends and donors. The thinking is simple: a professional-looking document signals credibility and readiness. Andrea and Sarah explain why this approach misses a critical opportunity early in the campaign process. A campaign case for support is not a single document. It is a clear set of ideas that explain why the campaign matters, what it will accomplish, and how the funding will make that vision possible.The early phase of campaign planning should focus on developing those ideas. Andrea describes how organizations benefit when board members, staff leaders, and volunteers participate in shaping the argument for the campaign. When people wrestle with the core questions of purpose, impact, and urgency, their own commitment grows. The process builds understanding and enthusiasm long before the first major donor conversation takes place.Sarah shares why producing a finished brochure too early can limit flexibility. Campaigns unfold over time and plans often evolve. Project costs shift. New opportunities appear. Certain elements gain traction while others fade. Printed materials that lock in a specific version of the campaign can make it harder to adapt as those changes occur.There is also a deeper strategic reason to avoid a polished brochure at the start. Early campaign conversations should invite donors into the thinking behind the campaign. When organizations present a finalized document, the message to donors is that the organization has already solved the problem and simply needs financial support. When donors see draft materials and evolving ideas, they can take part in shaping the effort. That approach encourages donors to act as partners in the work rather than sources of funding.As the campaign progresses, communication strategies shift with each phase. Early stages focus on developing ideas and testing them with lead donors. Later phases introduce broader materials such as campaign websites, videos, or printed pieces that reach a wider community. The underlying case for support remains consistent while the communication tools expand to match a growing audience.Sarah closes the conversation with practical guidance for campaign leaders who are beginning to think about communications. Start with the ideas behind the campaign. Gather board members, volunteers, and staff to clarify why the campaign matters, what impact it will create, and how the fundraising will make that vision possible. When those ideas become clear and widely understood, the rest of the campaign communication process becomes far more effective.For nonprofit leaders preparing for a capital campaign, this conversation offers a practical reframing of campaign communications. Strong campaigns begin with clear ideas and collaborative thinking. The brochure can wait.To see how this philosophy plays out in a feasibility study, be sure to download our free Ultimate Guide to Capital Campaign Feasibility Studies.
Money isn't just math. It's emotion, identity, and sometimes a whole lot of anxiety, even for people who are objectively doing “fine” financially. Melissa Joy, CFP® sits down with speaker, author, and coach Josie Ann Lee to unpack why so many people feel uncomfortable talking about money, and how to move from financial anxiety to real confidence.They explore why anxiety is a normal stage of learning, how financial jargon and “expert speak” can unintentionally shut people down, and what it looks like to create a more human-centered experience in financial conversations.Josie shares her practical “Service Wrapper” framework - four simple tools that help people feel safer, more in control, and better equipped to engage in money decisions without shame. Melissa connects those ideas to what actually happens in financial planning meetings, especially for women navigating a system that wasn't historically built with them in mind.What You'll LearnWhy money discomfort is common even when you're doing a decent job financiallyHow taboo, culture, and history (especially for women) shape financial confidenceThe Four Stages of Learning and why the “anxiety zone” is normalHow jargon creates a communication gap — and what advisors can do differentlyJosie's “Service Wrapper” framework: Yes And, Sincere Gratitude, Clarifying Questions, and Giving ChoicesHow clarifying questions reduce shame and improve understanding on both sidesWhy autonomy matters — and how choice builds confidence in financial decisionsThe difference between transactional advice and relationship-based planning (and why it affects outcomes)How to interview and choose a financial professional based on values and fitWhere to find Josie's book and learn more about her workConnect with Josie: www.josieannlee.com Book: The Superpower of Service (available on Amazon)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:...
Frank and Rob dive into: • Rob's path from UBS and Morgan Stanley to launching NewEdge Wealth. • How NewEdge Wealth and NewEdge Advisors differ and advisor profiles that may fit each platform. • How multi-custody and open architecture models can offer flexibility. • Perspectives of some advisors that have experienced business growth after joining the firm. • The role of private equity and its innovation in wealth management. • How advisors may use niche marketing strategies and referral initiatives to identify opportunities. Whether you're exploring alternatives to a wirehouse or staying informed on industry developments, this conversation offers a practical look at the choices and trade-offs within today's independent landscape. Want to connect? • Reach out to Frank directly at frank@eliteconsultingpartners.com or send him a DM on LinkedIn. • You can also connect with Rob by emailing RSechan@NewEdgeCG.com or visiting his LinkedIn page. Chapters: 0:00 Introduction 1:02 From Wirehouse Advisor to Building a New Platform 6:30 What Makes Elite Financial Advisors Different 8:08 NewEdge Wealth vs NewEdge Advisors Explained 18:08 Why Multi-Custody & Open Architecture Matter 27:00 How Top Advisors Accelerate Growth After Going Independent 36:09 Private Equity's Role in the Future of Wealth Management 40:46 Why Advisors Should Explore the Independent Model Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ “Assets “serviced by” the firm includes (i) client assets for which we provide investment advisory services, (ii) client assets for which we provide brokerage services through our affiliate, NewEdge Securities, LLC and (iii) client assets held at affiliated and unaffiliated broker dealers for which we provide supervisory oversight, support services and/or wealth strategy services. Opinions expressed are as of October 7, 2025, and may change without notice. This content is for informational purposes only and does not constitute investment advice or a recommendation regarding any security, strategy, or business relationship. Past performance does not guarantee future results. References to advisor experiences (including business growth, win rates, or referrals) reflect individual circumstances and are not representative of all advisors or outcomes. Results vary and are not guaranteed. Any testimonials or endorsements presented reflect the speaker's opinion at the time made. If compensation or other benefits were provided in connection with a testimonial or endorsement, that fact will be disclosed. Such statements should not be construed as indicative of future performance or experience for all clients or advisors. Third-party firms, custodians, platforms, or services referenced are independent of NewEdge. Their inclusion does not constitute a recommendation, endorsement, or approval. Where third-party ratings or rankings are cited, the source and date apply; methodologies may differ, and ratings may not predict future performance. NewEdge may have business arrangements with certain third parties that present potential conflicts of interest; details available upon request. NewEdge may receive or provide referrals to or from third parties, including custodians, which may involve compensation or other benefits. Additional information about referral relationships and compensation is available upon request, A copy of the NewEdge's current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at www.newedgecg.com. All company names, logos, and trademarks are property of their respective owners and are used for identification only. References to media appearances do not constitute an endorsement.
Medicare is a cornerstone of most retirement plans, but it's also a brand-new system for people who've spent decades on employer coverage. Melissa Joy, CFP® sits down with Cameron Giardini of to break down what Medicare is, when you actually need to enroll, and how to avoid the most common (and costly) mistakes.They cover the major coverage paths (Original Medicare + Medicare Advantage vs Medigap), why your first enrollment decision at 65 can affect your options later, and what higher earners need to know about IRMAA surcharges. Cameron also explains a key HSA pitfall, shares what's changing heading into 2026, and points listeners to free education resources to start learning without overwhelm.What You'll LearnWhat Medicare is (and isn't), and when it typically startsWhen to begin planning, and how to check eligibility and costsWhen you can delay Medicare past 65 without penaltiesThe key decision: Medicare Advantage vs Medigap (and what each really means)Why your first Part B enrollment window matters for lifetime flexibilityWhat IRMAA is, how it's calculated, and how to appeal it after retirementHow HSAs interact with Medicare and what not to do at 65What's getting more expensive in 2026 and why “choice” may continue shrinkingHow adult children can help parents by first identifying what coverage they actually haveConnect with Cameron: https://gmedicareteam.com/Youtube: www.youtube.com/@GiardiniMedicareThe 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:...
Financial confidence doesn't come from knowing everything. It comes from knowing what questions to ask.In this episode, Melissa Joy, CFP®, is joined by Tony Steuer, a longtime personal finance educator, insurance analyst, and host of the Get Ready Before Life Happens podcast.Tony shares how his early career as an insurance agent led him to a deeper mission: helping people understand why smart, capable individuals often end up with financial products that don't truly serve them. Over decades of consulting with financial planners, attorneys, and trust officers, Tony saw firsthand how complexity, commissions, and behavioral blind spots can quietly derail good financial decisions.Together, Melissa and Tony unpack how behavioral finance shows up in real life, especially around insurance and risk management. They discuss why permanent insurance products are often misunderstood, how surrender charges and commissions impact long-term outcomes, and why many people feel emotionally stuck in policies that no longer fit their lives.The episode wraps with an important discussion on financial scams and red flags, including pressure tactics, secrecy, and “too good to be true” promises, and why these warning signs matter not just for ourselves, but for aging parents and the next generation.Key TakeawaysWhy financial fluency starts with asking better questions, not memorizing answersHow behavioral finance influences insurance and investment decisionsWhen permanent life insurance can make sense and when it usually doesn'tWhat surrender charges really mean and why they matterCommon red flags of financial scams and bad actorsHow values, communication, and education shape long-term financial confidenceTo learn more about Tony's work, tools, and resources, visit tonysteuer.com and listen to Get Ready Before Life Happens wherever you get your podcasts.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:...
Hello Hyrule!!You can't keep us away, baby!! Slap on that sunscreen and meet us on the beach, it's time to talk about "Link's Awakening" for the Gameboy! And Gameboy Color! Aaand Switch! Surf's up!!Game Music from the Link's Awakening OST. Intro and Outro Music by Chillboy Beats (https://chillboybeats1.bandcamp.com/album/the-hero-of-synth)Hello Hyrule Links: https://linktr.ee/hyrulepod Support us on Ko-Fi: https://ko-fi.com/hyrulepod Join the Discord: https://tr.ee/hO47MCcgB5
What happens when a world-changing technology attracts trillions of dollars in investment and how do you avoid being on the wrong side of the boom?On this episode of the Women's Money Wisdom podcast, Melissa Joy is joined by Kai Wu, founder and chief investment officer of Sparkline Capital, for a thoughtful, data-driven conversation about AI and its real investment implications.Rather than focusing on hype or fear, this discussion centers on capital allocation, specifically what happens when massive amounts of money pour into infrastructure. Using historical parallels like the railroads and the dot-com telecom buildout, Melissa and Kai explore why transformative technologies don't always translate into transformative returns for the companies building the underlying systems.You'll hear what “CapEx” actually means, why AI requires unprecedented spending on chips and data centers, and how today's market concentration around the largest tech companies creates both opportunity and risk. This episode is especially helpful if you've benefited from recent market gains but are wondering about concentration risk, diversification, or how to think more strategically about AI exposure in your portfolio.In this conversation, you'll learn:Why a transformative technology does not automatically mean a great investmentWhat capital expenditures (CapEx) are and why AI infrastructure is so expensiveHow past technology booms rewarded users more than infrastructure buildersWhy highly capital-intensive companies often underperform over timeHow S&P 500 concentration may create hidden portfolio riskWhat “AI early adopters” are and why they may offer overlooked opportunityHow to think about diversification without abandoning innovationWhether you're managing significant wealth or simply trying to make smarter long-term decisions, this episode offers practical insight to help you think clearly — without hype, panic, or binary thinking.Follow Kai and read his research: https://sparklinecapital.comX: https://x.com/ckaiwuLinkedIn: https://www.linkedin.com/in/ckaiwu/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 this episode of the Women's Money Wisdom podcast, Melissa Joy is joined by Michelle Taylor, founder of Women in Wealth, for a practical, honest conversation about what actually creates long-term financial stability for women.Rather than focusing on fear or restriction, this discussion centers on habits — the everyday behaviors that help women build confidence, resilience, and freedom with money over time. Together, Melissa and Michelle break down the six core habits they see consistently among women who feel financially secure and in control, regardless of income level.You'll hear why tracking your money builds confidence (not stress), how “paying yourself first” creates momentum, and why investing — even in small amounts — is non-negotiable. The conversation also reframes budgeting as a flexible spending plan, explores how to set financial goals that actually align with your values, and explains why regular “money dates” can transform how you relate to your finances.This episode is especially helpful if you've ever felt successful in life but uncertain about money, struggled with confidence around financial decisions, or wanted a healthier, more empowering approach to building wealth.In this conversation, you'll learn:Why awareness is the foundation of financial confidenceHow paying yourself first prevents burnout and financial guiltThe difference between restrictive budgets and flexible spending plansWhy investing early matters more than investing perfectlyHow to set financial goals that reflect your version of successSimple ways to build accountability through regular money check-insWhether you're just getting started or refining your financial habits, this episode offers practical guidance you can use immediately — without shame, overwhelm, or unrealistic expectations.Follow Michelle: https://www.instagram.com/women_in_wealth/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:...
Bible college sounds great in theory. Real life tends to ask better questions. This episode continues the Bible college conversation, but drops the polished language and turns up the pressure. Nate comes in hotter with the questions most people think about but usually keep to themselves. What is Bible college actually designed to do. Who does it serve well. And what happens when the classroom version of faith meets real leadership, real relationships, and real church culture. The discussion moves through faith formation, calling, authority, and expectations without pretending there are easy answers. It is not a takedown, and it is not a promo. It is a candid look at what Bible college prepares you for and what it does not, especially once the brochure stops talking. Nate and Dr. Joseph Tillman keep the conversation grounded, honest, and a little uncomfortable in the best way. One pushes with curiosity and skepticism. The other responds with lived experience and zero interest in churchy spin. It stays thoughtful, human, and occasionally funny throughout. If you have attended Bible college, considered it, led people who did, or just wonder how faith education actually shapes people, this episode will probably hit close to home. Follow or subscribe to the podcast
What happens when you do everything “right” and still feel unfulfilled?Melissa Joy, CFP®, sits down with Regina Sih-Meynier, PharmD, a former clinical and pharmaceutical industry leader who followed a quiet inner nudge toward a completely different kind of success. Regina shares how growing up in an immigrant family shaped her drive for security and achievement, why the traditional “success checklist” did not deliver the fulfillment she expected, and what ultimately helped her pivot into entrepreneurship, intuitive work, and a more flexible life.They talk about the midlife moments that can throw everything off course, from career disruption to caregiving responsibilities, and why financial planning can be a stabilizing force during big transitions. Regina also explains what she means by “whispers” from within, how intuition can show up through the body, and why having a practical runway and support system can make all the difference when you are building your next chapter.What you'll learnWhy hitting major milestones can still leave you feeling disconnectedHow Gen X and older millennial women were conditioned to overachieve and overdeliverWhat it looks like to pivot without burning down your entire life overnightHow intuition can show up as body intelligence and internal guidanceWhy financial stability can create the space needed to hear what you actually wantThe mindset shift from “income only comes from a paycheck” to multiple streams and possibilitiesHow to approach midlife change with flexibility, resilience, and intentional tradeoffsAuthor of "A Thousand Whispers from Within"Coming Feb 2026, Manuscripts Press - available Feb 16th on Amazon.
Employer retirement plans can be one of the most powerful wealth-building tools available, yet they are also among the most confusing. In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP®, breaks down how to make the most of your workplace retirement benefits in 2026.Melissa walks through the key retirement plans many employees have access to, including 401(k), 403(b), and 457 plans, and explains why 2026 is a pivotal year for retirement planning. With multiple legislative changes now in effect, including SECURE Act 1 and 2 and new tax rules impacting catch-up contributions, understanding your options has never been more important, especially for high earners.This episode covers updated contribution limits, new catch-up contribution rules for those over age 50, and the temporary super catch-up opportunity for individuals ages 60 to 63. Melissa also explains the new Roth mandate for high earners, what it means for your tax strategy, and how it may change the way you approach retirement savings going forward.Beyond contribution limits, Melissa explores advanced planning opportunities such as after-tax contributions, mega backdoor Roth strategies, and how different employer plan designs can dramatically affect how much you are able to save. She also highlights commonly overlooked strategies for dual-income households, spousal IRAs, and the growing role of Health Savings Accounts as an extension of retirement planning.If retirement planning feels overwhelming, this episode offers clarity, structure, and actionable guidance to help you confidently use your employer benefits to support your long-term goals.Key topics discussed include:2026 retirement contribution limits and what's changedCatch-up and super catch-up contribution rulesThe new Roth requirement for high earners over age 50Coordinating retirement savings for couplesUsing HSAs as a long-term retirement strategyMega backdoor Roth opportunities and plan design considerationsCommon mistakes that can reduce employer matchingFor personalized guidance, Melissa encourages listeners to review their options with a financial planner to ensure their retirement strategy aligns with both current tax laws and long-term goals.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:...
Long-term care is one of the most personal topics in financial planning, and also one of the most frequently avoided.Melissa Joy, CFP®, is joined by Pearl Planning colleague Alexa Kane, CFP®, to unpack how families can think about care earlier and more realistically.This conversation goes beyond nursing homes to explore in-home care, assisted living, and memory care, along with the emotional and financial realities families face when care is needed. Melissa and Alexa explain why long-term care planning often affects women more heavily, why waiting until later in life can limit options, and how today's long-term care solutions differ from the policies many people remember from past generations.Rather than assuming insurance is the answer for everyone, they walk through how Pearl Planning approaches long-term care thoughtfully, weighing costs, health considerations, family dynamics, and alternatives. The discussion also highlights what modern hybrid policies are designed to do, how underwriting works, and what options exist for those who cannot or choose not to pursue insurance.Key takeaways include:Why long-term care planning is often a bigger issue for womenHow rising care costs can impact retirement plans and family decisionsThe importance of starting the conversation earlier than most people expectThe difference between traditional long-term care insurance and newer hybrid optionsPractical alternatives to insurance, including self-funding and housing-based strategiesThis episode offers a calm, realistic framework for approaching a difficult topic and encourages listeners to plan ahead before long-term care becomes an urgent decision.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:...
If you've ever looked at a successful woman and wondered how she really built it — you're not alone. Behind every thriving business is a story that doesn't always show up on social media.In this episode, Melissa Joy, CFP®, talks with Veronica McGibney, creator of LeadHer Magazine, a new print and digital publication dedicated to sharing the real, behind-the-scenes journeys of female founders.Veronica shares how a moment of clarity at a business retreat sparked the creation of Lead Her, and how that idea quickly grew into a platform spotlighting women's honest experiences — from uncertainty and burnout to growth, resilience, and long-term vision. Together, Melissa and Veronica discuss why branding is more than marketing, how visibility impacts opportunity and funding, and why telling the full story matters for women building businesses today.You'll learn:Why branding plays a critical role in both business growth and personal clarityHow moments of uncertainty can signal it's time to pivot or reassessWhat inspired the creation of Lead Her Magazine and its missionThe realities women founders face that often stay behind the scenesWhy visibility remains a challenge for women-led businessesPractical ways founders manage time, priorities, and competing responsibilitiesIf you're building something, considering a pivot, or looking for a more honest picture of what success really takes, this conversation offers insight and perspective.Resources:Learn more about Lead Her Magazine: leadhermagazine.com Connect with Veronica McGibney on LinkedIn: https://www.linkedin.com/in/veronicamcgibneyFollow Lead Her Magazine on Instagram: https://www.instagram.com/leadhermagazine/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:...
Leadership often comes wrapped in glossy language—vision, impact, influence. But behind the brochure lies a messier truth. In this episode, we step into the stories executives rarely tell: the moments that looked impressive on paper but felt anything but behind the scenes. - That “C-suite moment” that checked every box—except the one labeled fulfillment - The disconnect between expectations and reality, and how leaders navigate the emotional fallout - The conversations you wish you could have had, but didn't - And the quiet recalibrations that keep you grounded when everything around you feels off-script This episode moves past the polished narrative and into the lived experience of executive leadership. If you've ever felt like the role didn't match the promise, you're not alone—and this conversation proves it.
As the new year begins, Melissa Joy, CFP®, helps listeners slow down and reset before diving into financial to-do lists.In this solo episode, Melissa lays out seven financial planning themes to help guide decisions in 2026. After an intense year of headlines, market shifts, and economic noise, this conversation offers perspective and grounding for those navigating what she calls the “messy money middle.”Rather than reacting to the news cycle or trying to predict the future, Melissa focuses on practical planning themes — from diversification and human capital to tax changes, estate planning, and lifestyle pressures — all designed to help listeners approach the year ahead with clarity and flexibility.This episode is meant to level-set expectations and provide a thoughtful framework for anticipating a successful year with your money.In this episode, Melissa explores:Why diversification and rebalancing matter after a strong year for marketsHow international stocks, alternatives, and AI are shaping investment conversationsProtecting your human capital and preparing for potential job disruptionsEvaluating the return on investment when spending on skills and career developmentKey tax law changes and what they may mean for planning in the year aheadUpdates to retirement catch-up contributions and charitable giving rulesWhy estate planning still matters, even when estate taxes may not applyHow declining interest rates affect cash, savings, and investment decisionsDetermining how much cash to keep versus investNavigating lifestyle inflation and the financial realities of the sandwich generationThe 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:...
The end of 2025 is imminent and it's time to look back on our discussions and travels and then get ready for a thoughtful and fun 2026! In this episode I'll tell you which episodes were the most downloaded during 2025 and share some other podcast highlights. And then it'll be crystal ball time: what will 2026 bring us? Listeners have weighed in with some of their concrete travel plans as well as some ideas that they're not quite sure about yet; and because 2026 will be the 10th anniversary of The Thoughtful Travel Podcast, I'll let you know about some exciting plans I have for celebrating this milestone. Thanks to all my wonderful listeners and community members of thoughtful travellers - both for listening to episodes every week and for all your discussions and feedback. I'm so lucky to have you all! Happy New Year and wishing you all safe and thoughtful travels in 2026. Links: Get podcast merch - https://www.teepublic.com/user/the-thoughtful-travel-podcast Substack subscription - listener and community special of 50% off Substack https://thoughtfultravel.substack.com/subscribe?coupon=00e800ba or https://www.notaballerina.com/half Hannah Kent's book Always Home, Always Homesick - https://amzn.to/49xigL6 Event link for our February 2026 book club with Hannah Kent - https://www.facebook.com/events/884742791192736 Book Club info also available at https://thoughtfultravellersbookclub.substack.com/ RISE Travel Institute's Experiential Journey https://www.risetravelinstitute.org/rise-experiential-journey Tracy Collins - UK Travel Planning Podcast - https://uktravelplanning.com/ Barefoot Backpacker - Travel Tales from Beyond the Brochure - https://barefoot-backpacker.com/category/podcast/ Michael Jensen - Brent and Michael are Going Places -https://www.brentandmichaelaregoingplaces.com/ 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/376 *Full disclosure: Amazon Services LLC Associates ProgramNotABallerina.com is a participant in the Amazon Services LLC Associates Program. As an Amazon Associate I earn from qualifying purchases.Support the show: https://thoughtfultravel.substack.com/See omnystudio.com/listener for privacy information.
As the year comes to a close, Melissa Joy, CFP® invites you to slow down.This short, reflective solo episode is a pause button — a chance to step off the financial treadmill, release guilt, and reset how you think about money before jumping into goals, resolutions, or to-do lists.Rather than focusing on what still needs to get done, Melissa encourages listeners to notice what worked, acknowledge invisible financial wins, and reconnect with a definition of wealth that goes beyond account balances.This episode is designed as a mindset reset — an “exhale” — to help you enter the new year with more clarity, intention, and self-trust.In this episode, Melissa explores:Why year-end reflection matters more than year-end hustleHow to identify and celebrate your financial wins, including the quiet onesReleasing guilt and shame tied to past money decisionsReframing wealth around values, time, and relationships — not just numbersHow aligning spending with personal values can simplify decision-makingThe power of “set it and forget it” systems to reduce financial stressChoosing a money word or theme for the year aheadSimple challenges (like no-spend periods or intentional splurges) to reset habitsUsing a “stop, start, continue” framework to carry clarity into the new yearKey takeawayYou don't need a perfect plan to move forward — you need a lighter mindset, clearer values, and permission to acknowledge progress.Before diving into goals and action steps, this episode offers space to breathe, reflect, and reset your relationship with money.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:...
Most people chase opportunities, but the most successful people create them by how they show up for others. In this episode, I sit down with my dear friend and performance coach Jordan Montgomery to break down the real mechanics of connection, influence, and service. We talk about why the most connected people are the ones constantly promoting others, connecting people to opportunities, and giving without expectation. Jordan shares a weekly framework that has quietly opened doors to rooms most people never get invited into, and I share stories of how showing up with generosity, even when the payoff wasn't immediate, came back tenfold years later. Get ready to stop chasing opportunity and start becoming the person opportunity looks for. In This Episode, You Will Learn Why CONNECTED people become connected by CONNECTING others first. How PROMOTING people builds real influence, not just visibility. Why SERVING WITHOUT EXPECTATION creates trust and long-term opportunity. Why the best opportunities often come YEARS after you show up. How to stop building a “BROCHURE” and start building a BRAND. The weekly QUESTIONS that quietly expand your influence and network. Why SPECIFICITY is the secret to meaningful connection. How proximity to the RIGHT PEOPLE can raise your standards and your results. Check Out Our Sponsors: Shopify - Sign up for a one-dollar-per-month trial period at shopify.com/monahan Quince - Step into the holiday season with layers made to feel good and last from Quince. Go to quince.com/confidence Timeline - Get 10% off your first Mitopure order at timeline.com/CONFIDENCE. Northwest Registered Agent - protect your privacy, build your brand and get your complete business identity in just 10 clicks and 10 minutes! Visit https://www.northwestregisteredagent.com/confidencefree Resources + Links Call my digital clone at 201-897-2553! Visit heathermonahan.com Sign up for my mailing list: heathermonahan.com/mailing-list/ Overcome Your Villains is Available NOW! Order here: https://overcomeyourvillains.com If you haven't yet, get my first book Confidence Creator Follow Heather on Instagram & LinkedIn Jordan on Instagram & LinkedIn
As we close out the year, Melissa Joy, CFP® steps back from the day-to-day headlines to examine the biggest money trends and economic stories that shaped 2025. Instead of reacting to weekly market noise, this episode offers a thoughtful top-10 look at the forces influencing markets, households, and financial planning — and what they may signal for the year ahead.From the rise of artificial intelligence and shifting government policy to persistent affordability challenges and changing investment landscapes, Melissa breaks down complex topics with clarity and context. She explores how these trends showed up in real life for investors, savers, borrowers, and families — and why discipline and planning mattered more than prediction this year.Throughout the conversation, Melissa connects the dots between policy, markets, and personal finance, reminding listeners that while we can't control outcomes, we can control preparation.Highlights include:Why artificial intelligence became the dominant market and cultural story — and what it means for jobs, productivity, and energy demandHow tariffs evolved throughout the year and the real economic costs for consumers, businesses, and farmersKey changes in the new tax law and why tax planning is becoming more complex, not lessThe ripple effects of the prolonged government shutdown on workers, small businesses, and economic dataWhy interest rates didn't fall as much as expected — and how that impacted borrowers and savers differentlyPersistent affordability concerns and the growing divide between householdsThe growing influence of private equity and private debt across the economyWhy markets delivered strong returns despite overwhelming negative headlinesHow higher education and student loans are undergoing structural changeThe broader financial implications of GLP-1 drugs and rising healthcare costsAs we head into 2026, this episode offers a grounded perspective on what really mattered in 2025 — and why staying focused on what you can control remains one of the most powerful financial strategies available.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:...
Student loans aren't just a financial obligation — they're a moving target. Rules shift, repayment plans evolve, forgiveness programs get redefined, and big deadlines are on the horizon. To help make sense of it all, Melissa Joy, CFP®, sits down with student loan expert David Gourley, founder of K-12 Planning, to break down the latest changes and what they mean for borrowers today.David brings deep expertise from years of helping educators, public service professionals, and families navigate the student loan maze. Together, Melissa and David walk through what's stable, what's shifting, and what borrowers need to pay attention to right now — especially as 2026 brings some of the biggest changes we've seen in years.They explore why Public Service Loan Forgiveness remains intact (despite the headlines), the critical steps Parent PLUS borrowers must take before federal doors close, and how the upcoming Repayment Assistance Program (RAP) could reshape long-term planning for millions. David also shares the little-known strategies around tax filing, repayment timing, and consolidation that can dramatically change someone's loan trajectory.Highlights include:Why PSLF is not going away — and who still qualifiesHow adjunct professors can use a multiplier to qualify as full-timeThe crucial July 1, 2026 deadline for Parent PLUS consolidationWhat RAP is, how it compares to IBR, and why timing matters for borrowersHow long-term forgiveness works (20, 25, or 30 years) — and when it may be taxableHow filing taxes married filing separately can significantly reduce paymentsThe risks of relying on lower payments when interest continues to growWhat changes to borrowing limits mean for grad students and parentsWhen refinancing to a private loan may actually make senseHow to plan ahead when student loan rules continue to evolveIf you're navigating repayment, planning for forgiveness, or preparing to send a child to college, this conversation offers clarity in a landscape that rarely stands still. Melissa and David bring the context, strategy, and grounded perspective borrowers need to make confident decisions — today and in the years ahead.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're revisiting one of our most-requested conversations — a practical, myth-busting look at estate planning with Melissa Joy, CFP®, and Ashley Waddell-Tingstad, founder of Treetown Law.Trusts often sound complicated or “for someone else,” but Ashley breaks them down into simple, everyday tools that protect families, minimize stress, and provide clarity during life's biggest transitions.What You'll Learn: • The essentials: Why powers of attorney and healthcare directives are the cornerstone of any estate plan. • Trusts vs. probate: What probate really involves — and why many families prefer to avoid it. • Beneficiary designations: How small updates can prevent major complications. • Revocable living trusts: The privacy, flexibility, and ease they provide (no, you don't need to be wealthy). • State-specific guidance: Why your plan should be created with local laws in mind. • Post-death protection: How trusts help shield assets from legal and financial vulnerabilities.Whether you're planning for the future or simply want to understand your options, this replay delivers clarity and confidence.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:...
Frank and Rob dive into:• Rob's path from UBS and Morgan Stanley to launching NewEdge Wealth.• How NewEdge Wealth and NewEdge Advisors differ and advisor profiles that may fit each platform.• How multi-custody and open architecture models can offer flexibility.• Perspectives of some advisors that have experienced business growth after joining the firm.• The role of private equity and its innovation in wealth management.• How advisors may use niche marketing strategies and referral initiatives to identify opportunities.Whether you're exploring alternatives to a wirehouse or staying informed on industry developments, this conversation offers a practical look at the choices and trade-offs within today's independent landscape.Want to connect?Reach out to Frank directly at frank@eliteconsultingpartners.com or send him a DM on LinkedIn.You can also connect with Rob by emailing RSechan@NewEdgeCG.com or visiting his LinkedIn page.“Assets “serviced by” the firm includes (i) client assets for which we provide investment advisory services, (ii) client assets for which we provide brokerage services through our affiliate, NewEdge Securities, LLC and (iii) client assets held at affiliated and unaffiliated broker dealers for which we provide supervisory oversight, support services and/or wealth strategy services.Opinions expressed are as of October 7, 2025, and may change without notice. This content is for informational purposes only and does not constitute investment advice or a recommendation regarding any security, strategy, or business relationship. Past performance does not guarantee future results.References to advisor experiences (including business growth, win rates, or referrals) reflect individual circumstances and are not representative of all advisors or outcomes. Results vary and are not guaranteed.Any testimonials or endorsements presented reflect the speaker's opinion at the time made. If compensation or other benefits were provided in connection with a testimonial or endorsement, that fact will be disclosed. Such statements should not be construed as indicative of future performance or experience for all clients or advisors.Third-party firms, custodians, platforms, or services referenced are independent of NewEdge. Their inclusion does not constitute a recommendation, endorsement, or approval. Where third-party ratings or rankings are cited, the source and date apply; methodologies may differ, and ratings may not predict future performance. NewEdge may have business arrangements with certain third parties that present potential conflicts of interest; details available upon request.NewEdge may receive or provide referrals to or from third parties, including custodians, which may involve compensation or other benefits. Additional information about referral relationships and compensation is available upon request, A copy of the NewEdge's current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at www.newedgecg.com.All company names, logos, and trademarks are property of their respective owners and are used for identification only. References to media appearances do not constitute an endorsement.
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