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COSTLY MISTAKES TOO MUCH CASH IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.
What really happens behind the scenes at a divorce law firm? In this eye-opening episode of We Chat Divorce, co-founders Karen Chellew and Catherine Shanahan sit down with Attorney Kirk Stange, Founding Partner of Stange Law Firm, to uncover the truth about how family law really works—from the attorney's side of the table. Kirk has guided clients through divorce for more than 20 years, leading a firm with offices across 30 states. He joins Karen and Catherine for a candid conversation about what makes a great divorce attorney, why so many clients lose trust in the legal process, and how preparation and financial clarity can change everything. Together, they discuss: What makes a lawyer truly good at family law Why some attorneys avoid going to trial (and what that means for you) How judges pressure lawyers to settle cases The real story behind billable hours and “winning” in divorce Why financially prepared clients make better decisions If you've ever felt frustrated or confused by your attorney—or just want to know how to work smarter with one—this episode will change the way you see the legal side of divorce.
What if the chaos in your life was part of a greater plan? In this episode of the Spiritual Journey Podcast, Nimesh Radia sits down with Beth Kraszewski — President of Purposeful Wealth Advisors — to explore the deep spiritual lessons hidden within life's transitions. From navigating divorce to conscious parenting and balancing spirituality in corporate spaces, Beth reveals how self-care, boundaries, and mentorship create resilience in the face of uncertainty.She shares her own powerful transformation, insights from supporting women through financial shifts, and a preview of her upcoming book, Stronger Than You, designed to empower women through life's most challenging transitions. Together, Nimesh and Beth explore how to observe chaos without absorbing it, and how letting go allows greater possibilities to flow in.✨ This conversation is your reminder that you are stronger than you know — and that even in moments of upheaval, your spiritual journey is leading you toward profound growth and empowerment.
If you're over 50 and quietly wondering whether to stay or go, you're not alone. In this episode of We Chat Divorce: Divorce Explored, My Divorce Solution co-founders Karen Chellew and Catherine Shanahan, CDFA®, break down the real truths behind gray divorce—and why so many couples live in a silent divorce long before they ever make a decision. They share personal stories, client experiences, and the financial insights that can help you stop the emotional bleed and start building a plan. Whether you're thinking about divorce, living in financial fog, or simply craving clarity, this conversation will help you move from confusion to confidence. You'll learn: What a silent divorce really looks like—and how to recognize if you're in one The biggest financial mistakes people make in gray divorce Why clarity—not conflict—should guide your next steps How to use the MDS Financial Portrait™ to see your complete financial picture Why Step Zero (getting organized) is the most important part of your divorce journey About We Chat Divorce Hosted by Karen Chellew and Catherine Shanahan, CDFA®, co-founders of My Divorce Solution, We Chat Divorce explores the financial, emotional, and practical sides of divorce so you can move forward with clarity and confidence. Learn more about The MDS Financial Portrait™:https://mydivorcesolution.com/financial-portrait Join the MDS Community for guidance, resources, and support:https://mydivorcesolution.com/community Listen to more episodes: https://mydivorcesolution.com/podcast Learn more about your ad choices. Visit megaphone.fm/adchoices
Susan Guthrie welcomes Patrick Kilbane, J.D., CDFA®, partner at Ullman Wealth Partners and Director of the Divorce Advisory Group, to talk about one of the most overlooked but critical phases of divorce: what happens to your finances after the papers are signed. Instead of stopping at the settlement, Patrick shows you how to step into your financial “2.0” with confidence. We talk about creating clarity around your monthly cashflow, setting up systems to cover everyday expenses, and simplifying your accounts so they're easy to manage. Patrick also shares how to plan ahead during the divorce, not just after, so you negotiate with your future in mind. You'll hear practical strategies for rebuilding credit, organizing your retirement and investment accounts, making smart housing decisions, and avoiding costly mistakes that can derail your long-term security. Patrick's decades of experience as both an attorney and Certified Divorce Financial Analyst make this a must-listen for anyone ready to move beyond survival mode and build a strong, strategic financial foundation for the next chapter of life. What You'll Discover in This Episode How to recognize when it's time to shift from divorce survival to planning your independent future Simple steps to clarify monthly cashflow and set up systems to cover bills and savings Why involving a financial advisor before settlement helps you plan smarter and avoid gaps How strategic planning beyond the settlement sets you up for lasting stability and confidence More About Our Special Guest, Patrick Kilbane, J.D., CDFA®: Pat is a Partner at the firm and serves as both a Wealth Advisor and General Counsel. He brings over a decade of experience helping clients coordinate and implement comprehensive wealth management strategies. In his legal role, he manages all legal matters for the firm and assists clients with navigating their own legal questions by connecting them to trusted resources. Pat also leads our Divorce Advisory Group, where he supports high-net-worth clients before, during, and after the divorce process. Drawing on his extensive background in family law and his Certified Divorce Financial Analyst® (CDFA®) designation, Pat helps clients make informed, confident financial decisions at every stage of marital dissolution. Before joining our firm, Pat built a successful legal career in matrimonial and family law, serving as a Shareholder at two respected statewide firms—GrayRobinson, P.A. and Rogers Towers, P.A.—in Jacksonville. Pat is deeply involved in the Jacksonville community and has served on numerous civic and professional boards. He has received several gubernatorial appointments, including to the Jacksonville Aviation Authority—where he served as Chairman from 2017–2018 and again from 2020–2021—and to the 4th Judicial Circuit Judicial Nominating Commission, where he served as Chairman from 2017–2019. Most recently, he was appointed by Governor Ron DeSantis to the Jacksonville Port Authority in 2024 and to the Florida Elections Commission in 2025. His leadership extends to the Jacksonville Bar Association, where he served on the Board of Governors and as President of its Young Lawyers Section. He is a graduate of Leadership Florida (Class XXXV) and currently serves as President of the Jacksonville Lawyers Chapter of the Federalist Society. Pat previously served as President of the Board of Directors of the Notre Dame Alumni Club of Greater Jacksonville and as a member of the Foundation Board for St. Vincent's Hospital. In 2017, he was appointed by Bishop Felipe Estévez to the Savings and Loan Board for the Diocese of St. Augustine. In 2020, he was elected to the Board of Trustees for Adrian College, which will honor him as its 2025 Distinguished Alumnus. Pat earned his J.D. from the University of Notre Dame and holds a B.B.A. from Adrian College, where he graduated summa cum laude. He is a Certified Divorce Financial Analyst® and co-author of Move Forward Confidently: A Woman's Guide to Navigating the High-Net-Worth Divorce. Website and Book http://ullmannwealthpartners.com Pat's book: Move Forward Confidently: A Woman's Guide to Navigating the High-Net-Worth Divorce. ===================== Take the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond: https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years. Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond! ***************************************************************************** SPONSOR SPOTLIGHT: HELLO FRESH HelloFresh is now a proud sponsor of Divorce & Beyond! If you've been thinking about cutting back on grocery bills, avoiding food waste, or just getting dinner on the table without the stress — this is your moment, because right now, HelloFresh is offering one free item in every box — for life! That's right — every single box you order includes a free item, forever. And just to give you a taste of what that looks like... I got pineapple upside-down cakes in my first order! I originally discovered HelloFresh during the pandemic and fell in love with learning new recipes and expanding our dinner routine. I let it go for a while — hey, I live in Chicago with world-class restaurants on every corner — but with today's rising costs, HelloFresh is back on my table, and I'm so glad it is. So if you're ready to save time, money, and dinner — go to divorceandbeyond.com/hellofresh and sign up today to grab that free item for life. ***************** YUMIYU Jewelry YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU Code: “BEYOND” for 20% off! ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at divorceandbeyondpod@gmail.com for pricing and details!!! ***************************************************************************** DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.
In this episode of the A Wiser Retirement® Podcast, Estate Planning Attorney Arun Gupta joins Shawna Theriault, CFP®, CPA, CDFA® to demystify trusts, what they are, who they're for, and how 10 common trust types work in real life.Related Podcast Episodes: Ep 295: What Happens If You Die Without a Will? The Legal NightmareEp 279: What Should Parents of Children with Disabilities Know About Estate Planning?Ep 233: How Second Marriages and Blended Families Impact Estate PlanningRelated Financial Education Videos:Prevent Family Conflict with Legacy Planning Does inheritance count as income? Other Links: AG LawLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
In this episode of The Free Lawyer podcast, Gary interviews Brianna Beski, a Certified Divorce Financial Analyst at Raymond James. Brianna shares how her parents' divorce inspired her career and discusses the financial complexities of divorce, including common misunderstandings about retirement accounts and asset valuation. She explains the critical role of financial clarity, collaboration with attorneys, and tailored support for high net worth individuals and business owners. Brianna emphasizes empowering clients to make informed decisions, reduce stress, and confidently rebuild their financial futures after divorce.Brianna's not just a Certified Divorce Financial Analyst (CDFA®)— she's someone who truly understands the emotional weight of divorce and how it impacts every area of life. Her unique backgroundallows her to:✔️ Provide financial clarity in emotionally charged situations, helping clients avoid fear-driven decisions they'll regret later.✔️ Help high-achieving professionals maintain control over their financial future, especially when assets, businesses, and long-term planning are at stake.✔️ Act as a calm, strategic advocate—helping clients navigate complex financial decisions while prioritizing their well-being and their family's future.Brianna's Personal Divorce Experience (00:02:11)Career Path and Olympic Aspirations (00:04:14) BEmotional Impact of Divorce (00:05:27) Common Retirement Account Mistakes (00:05:44) Valuing Pensions and Retirement Assets (00:07:44) When to Use a CDFA (00:09:39) Case Example: Settlement Misconceptions (00:11:26) Role of CDFA in Divorce Process (00:13:37) Client Support and Financial Clarity (00:16:05)Unique Challenges for High Net Worth and Business Owners (00:18:55) Transformation Through Financial Clarity (00:22:16)Advice for Lawyers Hesitant to Use Financial Experts (00:24:13)Maintaining Self-Worth After Asset Division (00:26:31) Finding Personal Freedom After Divorce (00:29:48) Advice for Lawyers Going Through Divorce (00:30:49) Financial Planning for Married Couples (00:32:41) Advice to Her Younger Self (00:35:10)Would you like to learn what it looks like to become a truly Free Lawyer? You can schedule a courtesy call here: https://calendly.com/garymiles-successcoach/one-one-discovery-callWould you like to learn more about Breaking Free or order your copy? https://www.garymiles.net/break-free
Roth conversions may be one of the most overlooked tax planning opportunities in retirement, and the cost of waiting could be staggering. With recent legislative changes, longer life expectancies, and compressed inheritance timelines for your heirs, it's never been more important to get this right. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, … Read More Read More
Do you want wealth and abundance after divorce? Of course you do. It's a loaded question. Divorce can make a person insecure and stressed about finances, budgeting and saving. My guest in this episode is financial advisor, Amanda Campbell, CFP®, CDFA®, who talks about little, baby steps you can take to get to a place of comfort, and yes, wealth and abundance. Learn more: https://www.divorcedgirlsmiling.com/baby-steps-to-wealth-and-abundance/
Moms Moving On: Navigating Divorce, Single Motherhood & Co-Parenting.
Divorce can feel overwhelming, especially when money is involved. In this empowering conversation, divorce coach Michelle Dempsey-Multack and Sylvia Guinan, a Certified Divorce Financial Analyst (CDFA), break down the most important financial steps every divorcing woman needs to know. From understanding hidden assets to protecting your children's financial future, this episode delivers clarity and confidence when you need it most. What You'll Learn: How to identify and protect yourself from financial abuse during separation. The critical first questions to ask your divorce attorney about assets, spending, and hidden accounts. Why a financial affidavit matters, and how to complete it without fear or second-guessing. The pros and cons of keeping the marital home and planning for future expenses like college funds and retirement. How a CDFA can help you create a sustainable financial plan and avoid costly settlement mistakes 02:10 – Why money fears are the #1 stressor in divorce, and how to take the first step toward financial clarity. 09:25 – Recognizing signs of financial abuse and reclaiming control. 15:18 – The truth about financial affidavits and why honest numbers empower you. 23:40 – When to fight for the house, and when to let it go. 30:55 – The hidden costs of divorce most people overlook. 36:12 – Sylvia's strategy for building a trusted professional team to protect your future. 41:30 – Final financial planning tips to move forward with confidence. Meet the Guest: Sylvia Guinan is a Certified Divorce Financial Analyst with Wells Fargo Advisors who specializes in guiding women through the financial realities of divorce. Her expertise helps clients make informed decisions, avoid hidden pitfalls, and secure a confident path forward Tools & Strategies Mentioned: Certified Divorce Financial Analyst (CDFA): Expert support to evaluate assets, tax implications, and settlement scenarios. Financial Affidavit Tips: How to accurately document expenses and protect your lifestyle. Team-Based Divorce Planning: The value of combining legal, financial, and emotional support. Closing Insight: “There's no price for your freedom. Be brave, find your truth, and remember, you deserve a financial plan that reflects your worth.” – Sylvia Guinan Explore "Money & Moving On," our new guide to financial freedom after divorce: https://bit.ly/MoneyMovePod Join The Moving On Collective! A safe, judgment-free support group experience for divorced and divorcing parents: https://bit.ly/MichelleCommunity Subscribe to our YouTube Channel: https://www.youtube.com/@TheMichelleDempseyWebsite - https://michelledempsey.com/Facebook - https://www.facebook.com/michelle645TikTok - https://www.tiktok.com/@themichelledempsey1LinkedIn: https://www.linkedin.com/in/mldempsey/ LINK TO TRANSCRIPT: https://transcripts/moving-on-method-ep265-divorce-financial-planning Learn more about your ad choices. Visit megaphone.fm/adchoices
Think military divorce means automatically splitting everythign 50/50 and going to court? Wrong on both counts! Certified Divorce Financial Anaylst David Smith reveals what most military families get wrong and what it costs them! In today's episode, we'll discuss the complex financial and logistical aspects of military divorce, covering everything from pension division to healthcare benefits, tax implications, and emotional support strategies. Key Topics Jurisdiction & Legal Considerations Multiple state options for filing (voting state, property ownership state, driver's license state, tax filing state) Importance of consulting with an attorney early to determine proper jurisdiction Each state has different rules, formulas, and processes JAG office can provide consultation but cannot represent service members in divorce proceedings Types of Divorce Processes Four main options: DIY without professionals, mediation, collaborative divorce, litigation Court is NOT the only option Out-of-court processes (mediation, collaborative) are often more cost-effective, private, and less stressful Consulting attorneys vs. representing attorneys - different roles and costs Military Pension Division Division is not the only option - can use offsetting with other assets Must determine what portion is "marital" vs. "separate" property Not all pension components are divisible (e.g., VA disability) Requires a Military Retirement Pay Division Order through DFAS Differences between active duty, reservist, and guard member pensions Survivor Benefit Plan (SBP) Critical considerations: Only ONE SBP beneficiary can be named Previous spouses from earlier marriages may already occupy the "SBP chair" Premium costs must be negotiated Former spouse can be SBP beneficiary even without receiving pension payments Time-sensitive: Required forms must be submitted within specific timeframe or rights are lost Cannot be automatically transferred - requires proper paperwork TRICARE Benefits Courts CANNOT order TRICARE coverage - falls under federal rules Key rules: 20-20-20 (full benefits for life), 20-20-15 (transitional benefits) Based on: length of marriage, service member's creditable years, overlap period COBRA-like option available if don't meet other rules GI Bill Transfer Must be transferred WHILE married - cannot go to former spouse after divorce Service member can rescind the transfer Can be transferred to children as alternative Settlement agreement language is critical to protect this benefit Thrift Savings Plan (TSP) Multiple TSPs possible (civilian federal employee spouse, reservist who went active duty) Pre-tax and Roth portions have different tax consequences Must account for outstanding loans Requires Retirement Benefits Court Order (different from pension division order) Not always split - can use offset method with other assets Other Unique Military Assets to Consider Military leave - has monetary value on LES Credit card points and miles - can be worth $30,000-$40,000 USAA Subscriber Savings Account Pets - especially valuable show animals Life insurance policies Tax Implications Filing status changes Tax bracket shifts Capital gains considerations when dividing assets Pre-tax accounts (traditional IRA, 401k) vs. post-tax accounts have different real values Child tax credits and claiming dependents Early withdrawal penalties Marital vs. Separate Property Separate property: assets brought into marriage, inheritances, gifts (if kept separate and not commingled) Marital property: everything accumulated during marriage Characterization process is essential before division discussions Financial Mistakes to Avoid Making verbal agreements before completing full financial inventory Not understanding tax consequences of asset division Overlooking hidden assets (leave balance, points/miles, etc.) Rushing decisions - most divorce decisions have no do-overs Not considering pre-tax vs. post-tax asset values Misclassifying assets as marital or separate Practical First Steps Learn about all four divorce process options If abuse is present, seek legal counsel immediately Open credit card and bank account in your own name Create timeline of important dates and duty stations Gather supporting documents (tax returns, bank statements) in cloud storage Document account numbers, login credentials, passwords Consider consulting with CDFA before hiring representing attorney Supporting Someone Through Divorce Listen deeply and empathetically Avoid projecting your own divorce experience onto theirs Don't rush them into decisions Offer practical help (childcare, meals, house cleaning) Point them to resources (counselors, family services, professionals) Give them breathing room Key Takeaways Divorce in the military involves unique complexities beyond civilian divorces Court is not the only option - consider mediation or collaborative processes Complete financial inventory BEFORE making division decisions Everything accumulated during marriage is generally marital property Professional guidance (CDFA, attorney consultation) is an investment, not just a cost Most divorce decisions are final with no do-overs - take time to understand options Resources & Links David's website: sandoakdivorcesolutions.com Free 30-minute phone consultations available David's LinkedIn: linkedin.com/in/davidsmithcdfa/ Find a CDFA through Institute for Divorce Financial Analysts: institutedfa.com Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
In this episode of A Wiser Retirement® Podcast, Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA® is joined by Financial Advisor William Medcalf, CFP® to discuss the financial implications of moving across state lines, and how a change in location can also mean major changes to your financial life.Related Podcast Episodes:- Ep 77: Tips for Moving to Lower Tax States- Ep 274: Buying a Home in the Best School District: What You Need to KnowRelated YouTube Videos:Should I invest in real estate or stocks?Second Home Considerations: Tax Implications of Multiple ResidencesLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
In Today's Episode... In this conversation, Ed Vargo shares his unique journey as a male financial advisor working with women, influenced by his mother's struggles with financial literacy during her divorce. He discusses the significant differences in how men and women engage with money, emphasizing the need for women to take an active role in financial discussions within relationships. Ed advocates for bridging the financial literacy gap for women, particularly younger women, to empower them in their financial decisions and align their spending with their values. In this conversation, Ed Vargo and Jordan Pendleton explore the complexities of financial conversations within relationships, emphasizing the importance of aligning day-to-day spending with long-term financial goals. They discuss the different perspectives men and women often have regarding finances, particularly in the context of marriage and divorce. The discussion highlights the necessity of regular communication about financial goals, the challenges of navigating these conversations, and the potential benefits of seeking professional financial advice. Connect with Ed Website Instagram Facebook Resources & Free Guides “9 Money Myths You Must Bust (Before they Hurt the Next Generation)” “The Empowered Exit: 12 Steps to Safeguard your Financial and Emotional Well-Being” Full Program “Divorce Navigator” : A comprehensive program guiding women through the legal, emotional, and financial aspects of divorce. About Ed Vargo Ed Vargo, CFP®, CLU®, ChFC®, AIF®, CDFA®, founder of Burning River Advisory Group, grew up in inner-city Cleveland. His mother, a first-generation immigrant, struggled financially and was stuck in an unhealthy relationship. Her challenges left a lasting imprint on Ed and his values as a husband, father, and advisor. Ed's father, a steelworker and single dad, raised four children in Cleveland's Slavic Village. Ed attended Case Western Reserve University, earning a BS in Management and meeting his college sweetheart, Wendy. Now the proud parents of five charismatic daughters, Ed and Wendy are deeply committed to women's empowerment. Ed believes financial strength is essential to a woman's health, safety, and opportunity. His commitment to helping women achieve financial independence runs through the heart of Burning River, where he provides customized financial solutions with a compassionate and caring hand. Don't forget about this amazing free offer from Jordan. She put a lot of time and effort into this project to be able to offer it to you, absolutely free! Take advantage now while you can! eBook: Couples Guide to Getting on the Same Page About Money Reminder: Subscribe, Rate & Review this podcast! Whatever platform you are listening on, make sure to follow or subscribe & sign up for notifications for when weekly episodes drop every week! And if you feel called, please leave a rating and review. This helps us to reach more people! JordanPendleton.com
THE OVERLOOKED $2 MILLION SOCIAL SECURITY MISTAKE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA About This Episode Social Security benefits can add up to more than $2 million for some households, yet many wealthy families overlook their value. In this episode, Senior Financial Planner Thad Ismart explains how high-net-worth individuals can make the costly mistake of ignoring Social Security—and strategies to maximize its impact. Full Description When people think about Social Security, they often imagine modest monthly checks. But over a lifetime, benefits can exceed $2 million for many high-earning households. Unfortunately, wealthy individuals often dismiss Social Security as irrelevant, leaving valuable opportunities on the table. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at BWFA, explores how affluent families can misuse—or underuse—Social Security benefits. Thad explains how treating Social Security as “extra” income rather than a strategic asset can lead to missed planning opportunities. The conversation covers practical ways to put Social Security to work. For instance, using benefits to help fund long-term care, cover estate taxes, or purchase life insurance that transfers wealth more efficiently. Thad also highlights strategies like gifting benefits into trusts, which can create tax-smart legacies for heirs. Listeners will come away with a better understanding that Social Security is not just a government check but a tool that can enhance a larger financial plan. Wealthy households that integrate Social Security thoughtfully may free up other assets for investment, giving, or family support. At BWFA, we help clients of all income levels make informed decisions that align with their goals. This episode encourages even high-net-worth families to reconsider the role Social Security can play in their overall strategy. For more insights, visit BWFA's Financial Planning Services.
WHAT TO DO WITH LEFTOVER 529 FUNDS FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA Episode Details: Saving for education is one of the best financial gifts you can give your family. But what happens when a child graduates and there's still money left in the 529 plan? Many families find themselves asking this very question. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge share practical strategies for putting leftover 529 funds to work. They begin by explaining the flexibility of 529 plans. These accounts aren't limited to just one child or even one generation. With a simple change of beneficiary, leftover funds can be reassigned to a sibling, cousin, or grandchild. Parents can even use the money for their own continuing education. The hosts also highlight how some families leave funds invested, allowing tax-free growth until future generations are ready for school. A newer option gaining attention is the ability to roll a portion of unused funds into a Roth IRA. Under current law, certain conditions apply, but this strategy can jump-start retirement savings for children or grandchildren. Sandy and Tyler walk through when a Roth rollover makes sense and how it can add long-term value. Not every situation allows for easy transfers, and sometimes withdrawals are considered. Non-qualified withdrawals typically involve taxes and penalties, but exceptions exist—such as when the student has received a scholarship. This episode provides guidance on how to evaluate whether withdrawing funds is ever the right move. Ultimately, leftover 529 funds are a “good problem” that reflects disciplined saving. With the right planning, families can use those dollars to support future education, retirement, or even their own lifelong learning. For more insights, visit our College Planning Services page. To explore current rules and IRS guidance on qualified education expenses, see the IRS 529 Plan FAQ.
In this episode of the Journey Beyond Divorce Podcast, I sit down with Gabriella Martinelli, a seasoned Certified Divorce Financial Analyst® and founder of Ever After Wealth®, to explore the critical steps business owners must take to value and protect their businesses before a divorce. With over two decades of experience helping entrepreneurs navigate the complexities of divorce, Gabriella brings deep expertise in avoiding financial pitfalls, cleaning up financial records, and ensuring accurate business valuations. If you are divorcing with a business on the line, the stakes are incredibly high, and one misstep can cost you far more than money. We discuss how businesses are appraised during divorce, the emotional and financial challenges that arise during asset division, and the importance of clarifying valuation long before lawyers and courts are involved. Gabriella also explains why separating personal and business finances and maintaining accurate documentation is essential for protecting both your enterprise and your personal net worth. Together, we highlight the key tax and ownership considerations that can arise when selling, splitting, or retaining a business and share practical strategies to help you safeguard what you've built. Whether you are just beginning to consider divorce or are already mid-process, this conversation will provide clarity, direction, and the financial wisdom you need to protect your future. Connect with Gabriella: Website: www.everafterwealth.com Social Media: https://www.linkedin.com/in/gabriellamartinelli-divorcefinancialclarity/ Book a Free Call: https://calendly.com/everafterwealth/connectionmeeting Resources Mentioned in this Episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com Free Divorce Support Network Gift: https://divorcesupportnetwork.com/e-book-sign-up
IS CASH KING? BALANCING LIQUIDITY AND GROWTH FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA Episode Details: Cash is often described as either “king” or “trash.” In reality, it can be both—depending on your circumstances. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explore when holding cash makes sense and when it may work against your long-term goals. The conversation begins with why cash matters. Having an emergency fund provides peace of mind and flexibility when life delivers the unexpected—medical bills, job loss, or urgent home repairs. Sandy and Tyler discuss how to size an emergency fund, why rules of thumb like “three to six months of expenses” may not fit every situation, and how personal factors such as job stability or income volatility affect the right cash balance. But cash also has drawbacks. For retirees who already have stable income from pensions or Social Security, holding too much in cash can mean missed opportunities for growth. The episode shares real-life examples of families who kept significant wealth in ultra-conservative accounts—only to realize that over decades, inflation would erode their purchasing power and diminish the legacy they hoped to leave to children and grandchildren. Sandy and Tyler emphasize that the right answer depends on goals, timing, and flexibility. They recommend tailoring cash holdings to personal risk tolerance, liquidity needs, and investment horizon. The discussion also touches on practical strategies, such as using money markets, high-yield savings, or laddered CDs to keep funds both safe and accessible. Finally, listeners are reminded that cash needs evolve with life changes—new jobs, growing families, or retirement. Reviewing and adjusting cash reserves regularly is critical to keeping financial plans on track. For more insights, visit BWFA's Financial Planning Services.
Untying the Knot, Supporting Women through Divorce and BeyondReady to take control of your next chapter? In this episode, we break down the must-do steps for navigating divorce with less stress and more clarity. We cover everything from getting legal consult and gathering your key documents to understanding your living situation and connecting with an RCS D certified real estate pro for a home valuation. Plus, learn why reviewing your mortgage and debts with a CDFA and creating a solid communication plan can be game changers. Do not miss these expert-backed tips that could make all the difference in your journey. Tune in and set yourself up for a brighter tomorrow. DM us to connect with the Divorce Defenders. Join The Divorce Community on Facebook: https://www.facebook.com/share/g/16DTxnDsqw/✨ Connect with Miranda here: https://www.facebook.com/profile.php?id=100090549335960✨ Connect with Katie here: https://www.facebook.com/KatieHalleLambertThis podcast is for informational purposes only and should not be considered professional advice. Always consult with a licensed professional for guidance tailored to your unique situation. #divorce #coparenting #momlife #familytransition #realestatetips #arizonamoms #untyingtheknot
WHAT IS FINANCIAL PLANNING? A COMPLETE GUIDE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA Episode Details: Financial planning is often confused with investing, estate planning, or tax planning. However, at its core, financial planning is bigger than any one piece—it's the roadmap that helps you reach your life and financial goals with clarity and direction. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explain what financial planning truly means. They discuss how a comprehensive plan covers every part of your financial life: budgeting, saving, debt management, investing, insurance, retirement, and estate planning. Together, these elements create a foundation that helps you not only build wealth but also protect it for the future and for your loved ones. Listeners will also learn why financial planning is more than picking investments. It is about setting short-, mid-, and long-term goals and then creating a clear path to achieve them. Sandy and Tyler emphasize starting early, automating savings, and avoiding lifestyle creep. In addition, they highlight how estate planning documents, though often overlooked, play a critical role in protecting family members and ensuring your wishes are honored. Flexibility is another key takeaway. Plans should not remain static. Just as a pilot adjusts course during turbulence, financial plans must adapt to changes in life. Career transitions, shifting markets, or major family milestones may require new strategies. That is why ongoing updates, regular reviews, and professional guidance are essential to staying on track. With more than four decades of experience, BWFA has guided thousands of families as they set goals, manage challenges, and move forward with confidence. This episode offers practical tips as well as reassurance: you don't have to plan alone. Our advisors are here to help you build and maintain a strategy that works. For more insights on financial planning, visit BWFA's Financial Services page
This week on The Rewrite, we're talking money, mindset, and the emotional side of financial planning with Tatiana Sunik—Certified Financial Planner®, divorce consultant, and founder of Hera Financial.Tatiana knows that money isn't just about numbers—it's about human psychology. After navigating her own divorce and major life transitions, she's on a mission to help others move from financial confusion to empowered, values-aligned decisions.We talk about:- How to make smart financial moves in the middle of emotional chaos- The biggest mistakes people make during divorce (and how to avoid them)- Why your mindset matters more than your math- What real financial empowerment looks like after separationIf you're going through a transition—or ready to take back control—this one is a must-listen.Follow Tatiana: @tatianasunik www.herafinancial.com
Today on the AgNet NewsHour, Nick Papagni and Lorrie Boyer hosted Don Cameron, President of the California State Board of Food and Agriculture, to discuss the many challenges and opportunities facing California farmers today. Cameron, who also manages his own farms in the Biola area, shared expert insights from both a policy and practical farming perspective. Labor Challenges in California Agriculture A central topic of conversation was labor in agriculture. Cameron emphasized the critical importance of a stable workforce for California's labor-intensive crops. He highlighted the need for programs like H2A, which allows temporary workers to enter the country legally, and stressed the benefits of providing long-term workers with some form of legalization so they can continue working without fear. Cameron noted that without reliable labor, food production in California—and by extension, the United States—would be significantly disrupted. Water Management and Sustainable Farming Water management was another major focus. Cameron discussed the need for sustainable groundwater practices, especially as regulations limit pumping in over drafted basins. He stressed that farmers must maximize the value of every drop of water, focusing on high-value crops and reducing overall usage. While ideal solutions such as new storage and water delivery systems may take decades, Cameron encouraged efficiency and strategic planning for the long-term sustainability of California agriculture. Automation and Agricultural Innovation To address labor challenges, Cameron's operations are embracing automation and innovation. He described experiments with mechanical and laser weeders and drone technology, highlighting the potential for these tools to improve efficiency and offset labor shortages. These investments, along with careful crop management, help farmers remain competitive in a challenging global market. Competing with Global Agriculture Cameron addressed how California farmers face challenges from cheaper imports from countries like Mexico and Brazil. While international labor costs are lower, California farms provide higher wages, better working conditions, and sustainable practices. Consumers supporting local produce, he said, is essential for maintaining a competitive edge. Financial Pressures and Pest Management Cameron also addressed the financial pressures facing farmers, including low commodity prices, rising costs, abandoned farmland, and pest challenges such as rodents destroying orchards and drip systems. He encouraged small and young farmers to take advantage of programs through CDFA and NRCS to maintain stability and remain viable in a high-cost environment. California Agriculture: A National Treasure Overall, Cameron praised California agriculture as a national treasure, capable of producing over 400 crops efficiently and sustainably. His insights underscored the resilience, innovation, and careful planning required for the state's agricultural industry to thrive amid complex environmental, economic, and regulatory pressures. For more updates on California agriculture, visit AgNet West at AgNetWest.com and follow their podcast on your preferred platform.
In this episode of A Wiser Retirement® Podcast, we celebrate hitting a major milestone, 300 episodes! In this special episode, President Casey Smith and Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA®, reflect on the history of Wiser Wealth Management, the growth of the podcast, and the firm's mission to provide real, relationship-driven financial planning.Related Podcast Episodes: - Ep 251: Shawna Theriault's Road to Becoming a Financial Advisor - Ep 241: The Heart and History of Wiser Wealth Management with President Casey Smith- Ep 173: Making the Most of Your Airline 401(k)- Ep 168: Everything You Need to Know About 529 Plans- Ep 184: What It's Like Traveling Full Time in Retirement with the Retirement TravelersLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
THE EIGHTH WONDER OF THE WORLD - THE QCD! FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA Episode Details: For charitably minded retirees, a Qualified Charitable Distribution (QCD) can be one of the smartest tax strategies available. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explain how QCDs allow individuals age 70½ and older to donate directly from an IRA to a qualified charity—with meaningful tax benefits. Listeners will learn how QCDs work, the eligibility rules, and why this strategy often provides more advantages than giving directly from a bank account. For example, donating through a QCD reduces adjusted gross income, which may in turn lower Medicare premiums or reduce the taxable portion of Social Security benefits. Sandy and Tyler also explain how the annual contribution limits apply—$108,000 per person in 2025, or $216,000 for married couples filing jointly. The episode covers important differences between required minimum distributions (RMDs) and QCDs, showing why the two should not be confused. Unlike taking an RMD and then writing a check to charity, a QCD ensures the distribution is never taxed in the first place. This simple distinction can mean substantial savings. Practical guidance is also included. The hosts explain how to properly execute a QCD, why the funds must go directly from the IRA custodian to the charity, and how deadlines affect year-end giving. They also share a timeline for planning—suggesting that clients aim to finalize QCDs well before December to ensure smooth processing. Ultimately, QCDs represent a powerful way to align charitable giving with tax-smart planning. For clients who are both financially secure and charitably inclined, this episode highlights why QCDs are often referred to as the “eighth wonder” of retirement planning. For more on BWFA's approach, visit BWFA's Tax Planning page.
Divorce can be an emotional and financial grind, but there is more left to do to protect your financial future. In this episode, Mardi Winder-Adams welcomes back Gina Phillips, a certified divorce financial analyst (CDFA) and founder of WNY Divorce Financial Advisors. Together, they focus on the often-overlooked period after a divorce is finalized, a time when many people believe the hardest part is behind them, yet find themselves faced with a host of new financial responsibilities. Gina shares her extensive experience in working with women post-divorce, guiding them through critical steps such as handling property deeds, refinancing mortgages, updating beneficiaries, and navigating qualified domestic relations orders (QRDOs) to ensure a secure future.The conversation covers practical matters like establishing credit, transferring property titles, and the potential pitfalls of neglecting paperwork, which can lead to complicated situations with insurance or retirement accounts. Gina emphasizes the value of post-divorce financial education, encouraging listeners to carefully review settlement agreements and take proactive steps to set up estate plans, change beneficiaries, and address health insurance options. She shares real-life examples that highlight the challenges and sometimes unexpected consequences that can arise after the legal dust settles.Mardi and Gina also discuss the importance of taking control of your financial identity, understanding your obligations and entitlements, and protecting your family with thoughtful planning. Throughout the episode, Gina's warmth and clarity shine as she provides reassurance and actionable advice. Listeners are invited to access Gina's Post Divorce Financial Checklist, ensuring no critical detail is overlooked as they move forward with confidence and independence.For Gina's YouTube video about QRDOs go to https://www.youtube.com/watch?v=Kl94VzR_zc4About the Guest:Gina Phillips is the owner of WNY Divorce Financial Advisors, LLC, where she passionately dedicates herself to empowering individuals navigating marital transitions to regain control over their financial well-being. As a skilled liaison between clients and divorce mediators and attorneys, Gina is driven by personal experience and a deep understanding of the challenges that accompany divorce. Her pursuit of certification as a Divorce Financial Analyst (CDFA®) demonstrates her commitment to providing comprehensive support. With over 30 years of experience in auditing and accounting fields, Gina brings a wealth of knowledge to her practice. Her certification as a CDFA® combined with her expertise enables her to offer compassionate and cost-effective assistance. Whether you are in the early stages of considering a divorce or currently navigating the complexities of the legal proceedings, Gina will guide you with empathy and expertise to ensure your transition is as smooth and financially secure as possible.For Gina's gift, the Post-Divorce Financial Checklist: https://6214433.hs-sites.com/post-divorceTo connect with Gina:Linkedln: https://www.linkedin.com/in/gina-phillips/ Website: https://www.wnydivorcefinancial.com/default.phpFacebook: https://www.facebook.com/wnydivorcefinancialAbout the Host: Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The...
In this episode of A Wiser Retirement® Podcast, Shawna Theriault, CFP®, CPA, CDFA® and Financial Advisor Michaela Dowdy dive into the essential financial conversations couples should have before saying “I do.” From discussing mindsets and money habits to navigating joint goals and future planning, they offer guidance on how to build a healthy financial foundation for marriage.Related Podcast Episodes:- Ep 233: How Second Marriages and Blended Families Impact Estate Planning- Ep 230: What Can and Can't be Included in a Prenup - Ep 183: How to Avoid Financial Conflict in MarriageRelated YouTube Videos:- The Financial Pros and Cons of Marriage Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
Join us as we explore the critical role of financial professionals in divorce proceedings with Maggie Nielsen, a partner at Purse Strings. Maggie shares her insights on why having a Certified Divorce Financial Analyst (CDFA) can be a game-changer in managing the financial complexities of divorce. While attorneys are vital for legal matters, Maggie emphasizes that financial experts offer specialized knowledge on pre-tax and post-tax dollars, asset distribution, and long-term planning, often at a more cost-effective rate than legal counsel. We'll also discuss the benefits of assembling a comprehensive team, including a CDFA, a mortgage professional, and even a therapist, to ensure a holistic approach to navigating the emotional and financial challenges of divorce.Listen in as we highlight the importance of mediation and how financial professionals can provide leverage in understanding asset distribution and legal entitlements. We touch on the necessity of involving a forensic accountant in cases where assets may be hidden and the challenges faced by conflict-avoidant individuals who might settle prematurely. Maggie provides a roadmap for minimizing expenses and maximizing financial security during this life transition. With a focus on strategic decision-making and the importance of understanding every document before signing, this episode offers valuable resources and insights to guide you through the divorce process. Don't miss out on these essential tips for navigating divorce wisely and strategically, and be sure to explore the resources available on our website and Instagram for further support.
In this solo episode, Rhonda Noordyk, CDFA®, unpacks the psychology behind the "Disney Dad" and why his extravagant gestures aren't really about the kids. If you've ever felt frustrated, exhausted, or even questioned your worth as a parent while your ex showers the kids with trips, gifts, and treats—this episode is for you. Rhonda reveals how Disney Dad tactics often mask deeper issues like guilt, ego, or financial manipulation, and how those behaviors can quietly erode your financial future if left unchecked. She shares the tools and mindset shifts you need to reclaim your power, protect your financial stability, and create a safe, consistent environment for your kids. What you'll learn in this episode: The psychology driving Disney Dad behavior—and why it's not about the kids How financial control and guilt are used as manipulation tools in divorce The real cost of staying silent during negotiations (including the 41% lifestyle drop women often face post-divorce) Practical steps to advocate for yourself and uncover the true value of your assets How to “flip the script” and redefine what it means to be the fun, empowering parent—without sacrificing your financial security Rhonda also shares her free mini-course: 6 Steps to Advocate for a Fair Divorce Settlement, where you'll learn how to spot red flags in financial disclosures, ask the tough questions, and build a strategy to secure your future. If you've been feeling overshadowed by Disney Dad antics, this episode will help you step into your power, advocate with confidence, and focus on what truly matters: your financial stability, your kids' well-being, and the empowered future you deserve.
Join Chief Marketing and Strategy Officer Jared Trexler and FinServe Network ambassadors Terrell Dinkins, ChFC®, RICP®, and Angie Ribuffo, CFP®, RICP®, ChFC®, CDFA®, CLTC®, WMCP®, from the Conference of African American Financial Professionals (CAAFP) as they discuss how advisors can help clients open up about their goals for retirement and what they can do to help them get there. Find all episodes at TheAmericanCollege.edu/Shares.
How can you give more to the causes you care about while keeping more of your hard-earned money? Charitable giving isn't just a personal act of generosity; it's also a strategic financial opportunity. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, sits down with philanthropy professional Joshua Chadajo, CEO of JEC Philanthropy, to … Read More Read More
In this episode of A Wiser Retirement® Podcast, Casey Smith, Andrew Pratt, CFA, CBDA, and Shawna Theriault, CFP®, CPA, CDFA®, dive deep into the state of America's national debt, what it is, how it got this large, and what it could mean for the country and for everyday investors. While it's common to compare government debt to household finances, national debt is far more complex because the U.S. government controls its own currency. Still, unchecked debt growth has long-term consequences that shouldn't be ignored.Related Podcast Episodes:- Ep 277: Tariffs, Trump, and Turbulence: Making Sense of Market Mayhem - Ep 263: Trump's Economic Policies: Tax, Tariffs, and More Related YouTube Videos:- What is Financial Planning?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
Patrick Kilbane, J.D., CDFA®, Partner at Ullmann Wealth Partners, shares more about the firm's mission and values and how they help people navigate major life transitions like divorce and retirement. Kilbane also explains how his background as an attorney and his special divorce certification position him to assist clients with their unique needs.
In this episode, Laura Neal, CFP®, and Vic Colella, CFP®, CDFA®, take a walk down memory lane to detail the changes to the US Social Security system since the 1970s. We share our takeaways, ways to fund the shortfall, and how this should impact your Financial Plan. If you have suggestions for episode topics or would like to give us feedback, we would love to hear from you! Please email us at podcast@woodwardadvisors.com.
Susan Guthrie welcomes accredited financial counselor and CDFA® Leah Hadley to explore the changing financial landscape of divorce in today's unpredictable economy. From rising healthcare costs to a volatile housing market and shifting tax laws, the economic realities of 2025 are reshaping how couples need to approach divorce settlements. Leah shares how thoughtful financial planning, strategic modeling, and expert guidance can help protect your long-term stability, especially if you're divorcing later in life. If you're navigating divorce in this climate, this episode offers timely, essential insights to help you negotiate smarter and move forward with confidence. You'll hear: The truth about healthcare costs and how subsidy cuts may affect you How to plan for (and afford) health insurance post-divorce How housing market trends are shifting common divorce strategies Tips for reducing stress and avoiding costly financial mistakes The top mistake people divorcing after 50 make and how to avoid it More About Our Special Guest, Leah Hadley, AFC®, CDFA®, MAFF® As the Founder of Intentional Divorce Solutions (formerly known as Great Lakes Divorce Financial Solutions) and Intentional Wealth Partners. Leah Hadley is committed to guiding clients to financial independence through thoughtful and strategic planning. An influential voice in the financial community, Leah is a sought-after speaker and expert in overcoming financial setbacks and navigating the financial complexities of divorce. She's a frequent guest on podcasts and has contributed her insights to numerous books and online platforms. Leah is also the author of "When It's Just Not Working: A Practical Divorce Guide for Stay-At-Home Moms." At the heart of her practice, Leah finds genuine satisfaction in empowering her clients to achieve their most heartfelt financial goals. In her leisure time, she enjoys reading, hiking, and spending quality time with her husband, three children, and three dogs. Websites: Intentional Divorce Insights Podcast https://www.greatlakesdfs.com/podcasts/intentional-divorce-insights FREE WEBINAR: If you're over 50 and contemplating divorce, don't miss Leah's free upcoming webinar: Divorce After 50: Protecting Your Retirement and Securing Your Future. https://www.greatlakesdfs.com/divorce-after-50 https://www.greatlakesdfs.com https://www.watchherthrive.co Social Media: http://instagram.com/watchherthrive https://www.linkedin.com/in/leahhadley Also referenced in this episode: Divorcing in 2025: The High Cost of Uncertainty on Divorce Take the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond: https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 35 years. Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond! ***************************************************************************** SPONSOR SPOTLIGHT: HELLO FRESH HelloFresh is now a proud sponsor of Divorce & Beyond! If you've been thinking about cutting back on grocery bills, avoiding food waste, or just getting dinner on the table without the stress — this is your moment, because right now, HelloFresh is offering one free item in every box — for life! That's right — every single box you order includes a free item, forever. And just to give you a taste of what that looks like... I got pineapple upside-down cakes in my first order! I originally discovered HelloFresh during the pandemic and fell in love with learning new recipes and expanding our dinner routine. I let it go for a while — hey, I live in Chicago with world-class restaurants on every corner — but with today's rising costs, HelloFresh is back on my table, and I'm so glad it is. So if you're ready to save time, money, and dinner — go to divorceandbeyond.com/hellofresh and sign up today to grab that free item for life. ***************** YUMIYU Jewelry YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU Code: “BEYOND” for 20% off! ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at divorceandbeyondpod@gmail.com for pricing and details!!! ***************************************************************************** DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.
Your 401(k) could be your largest retirement asset, but are you making the most of it? In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, shares the essential steps to take with your 401(k) as you approach retirement. From rollover decisions and Roth conversions to income generation and estate planning, Larry covers the strategies … Read More Read More
One of the scariest parts of getting divorced is being alone. In fact, many people decide not to get divorced because they fear this. If this is you, you are going to LOVE this episode! My guests are Catherine Shanahan, CDFA® and Karen Chellew, (both divorced) and the founders of My Divorce Solution. We offer tips, and we hope you will feel inspired from this conversation.
State leaders and industry voices will discuss lending, labor, water costs, and more at August 5 meeting.
“Divorce is mostly about money.” –Gabriella MartinelliMarried? Do you know where your money is? I'm really excited to talk with Gabriella Martinelli, Certified Divorce Financial Analyst, about what we need to know about our finances and protecting ourselves before or during a divorce.Even if you don't think you are headed in that direction, you can protect yourself, because if you don't know where the money is or don't have access to the accounts, and something happens, you're stuck.Divorce is often messy — a mix of emotions, laws that aren't clear, and financial confusion. Getting clarity around the money can help you make choices from a better place.We talk about: Why so many women don't know about money — and why it's a problemFinancial and nonfinancial contributions to the familyFear about not having enough money and trust about money going both ways Protecting your business early and keeping business expenses separate from household expensesQuestions you should be asking and how you can start to find informationWhy you should hire a CDFA before an attorney if you are moving toward divorceABOUT GABRIELLAGabriella E. Martinelli is a Certified Divorce Financial Analyst® (CDFA®) and founder of Ever After Wealth®. With 21 years of experience in divorce finance, including 16 working alongside top attorneys, Gabriella helps individuals and professionals navigate the financial complexities of divorce with clarity and confidence. She makes complex financial topics easy to understand, offering real-world strategies that empower listeners to take control of their financial future.LINKShttps://www.everafterwealth.comInstagram: https://www.instagram.com/everafterwealth/LinkedIn: https://www.linkedin.com/company/everafterwealthDOABLE CHANGESAt the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Change comes from action. Doable changes are things that you can add into your life, one at a time to make micro shifts and really create a ripple effect that will create a big change over time. Choose one that really piques your interest and roll with it. Here are three Doable Changes from this conversation:GET A SNAPSHOT OF YOUR FAMILY FINANCIAL PICTURE. What accounts do you have? What investments? What debt? Are your names on those accounts? Ask questions. Collect information. Ask for more access. It's not only useful in case of divorce, but also in case something happens to your spouse and you need to do more than you are doing financially.DIG DEEPER. Gabriella offers some ideas about using tax returns, credit reports, and other documents to start to gather information on your own if you feel you can't ask questions or don't trust the answers.PROTECT YOUR BUSINESS. While protecting your business may take multiple changes, the first step you can take is to talk to an attorney about protecting your business as your livelihood in case, separate from other assets. From there you can make decisions about what you need to do.
In this episode, host Tracy Ann and Andrew Hatherley discuss essential financial strategies for individuals going through a divorce. They cover topics such as preparing financially, organizing documents, understanding assets and tax implications, timing considerations, social security benefits, budgeting for post-divorce life, the importance of professional guidance, and the role of a chief financial officer during and after divorce. The conversation emphasizes the need for a well-structured approach to ensure the best financial outcomes and emotional well-being during this challenging time.Andrew is a CDFA®, financial advisor, and host of The Gray Divorce Podcast, which focuses on financial and emotional planning for people divorcing over 50. He's also the founder of Transcend Retirement and Wiser Divorce Solutions.Connect with Andrew:
This episode of the Journey Beyond Divorce Podcast explores what high-earning women need to know to protect their finances before, during, and after divorce. Guest expert Nikki Tucker, personal financial strategist and founder of The FIIRM Approach, shares actionable strategies for staying empowered through financial transitions. With a focus on proactive planning, Nikki breaks down how women can avoid common financial blind spots, navigate difficult money conversations, and safeguard their assets with clarity and confidence. She also introduces her signature FIIRM framework—Flexible, Intentional, Informed, Resourceful, and Masterful—as a guide for protecting long-term financial well-being. Whether preparing for marriage, going through a divorce, or rebuilding after, this episode offers critical insights to help successful women maintain control of their financial future. Connect with Nikki: FREE GIFT - Divorce Support Pack:https://fiirmapproach.lpages.co/divorce-support-pack/ Instagram: https://www.instagram.com/thefiirmapproach/ Facebook: https://www.facebook.com/thefiirmapproach Website: https://thefiirmapproach.com/ Resources Mentioned in this episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com Join the High Conflict Divorce Support Group: https://www.jbddivorcesupport.com/hcdsg
FVS Valuation subject matter experts Josh Shilts and Dave Consigli address current challenges encountered by professionals conducting valuations, emphasizing that these competencies remain fundamental — mirroring those required during the Covid period. Their discussion highlights several important insights: Embracing Economic Volatility: Ongoing economic uncertainty has become a constant factor, making adaptability essential for valuation professionals. Assessing Client Risk Management: It is critical to evaluate how clients are managing financial, operational, and strategic risks. The Importance of Industry Knowledge: In-depth understanding of industry dynamics remains vital. Composition and management of a company's workforce – especially in the context of generational shifts and the integration of AI. Guest: Josh Shilts, CPA/ABV/CFF/CGMA, Forensic & Valuation Services Director, Dean Dorton Host: David Consigli, Jr. CPA/ABV, CDFA, Partner, FAZ Forensics Please share your thoughts about the episode - click here to leave us a review Want to get involved with future FVS conferences, committees, task forces, or the standing ovation program? Send a message to infoFVS@aicpa-cima.com RESOURCES FOR FURTHER EXPLORATION If you're using a podcast app that does not hyperlink to the resources, please visit our podcast platform to access the show notes with direct links. Check out early bird and special discounts for AICPA and FVS Section members, and ABV, CFF and CVFI credential holders AICPA Forensic & Valuation Services Conference, Oct 28-30, Aurora, CO, in person and online AICPA Expert Witness Skills Workshop, Oct 28-30, Aurora, CO,in person only Business Valuation School - Sep 8-12, Raleigh NC, in person only Business Valuation School - Dec 1-5, Live online Check out these free resources Statement on Standards for Valuation Services (VS Section 100) Disaster Relief Resource Center Tariff Resource Center Demystifying M&A Valuation Engagements - What Sellers (and Buyers) Need to Know Navigating Business Interruption Claims | FVS webcast archive Exclusive content available with AICPA FVS Section membership: Click here to join this active community of your FVS peers. You will get 16 credits of complimentary CPE and access to rich technical content AICPA VS Section 100 subsequent event toolkit Considerations when valuing distressed or impaired businesses FAQs Providing Bankruptcy and Reorganization Services, Vol. 2: Valuation in Bankruptcy | FVS Practice Aid Calculating Lost Profits | FVS Practice Aid FVS Quick Reference Guide: Standards and Premises of Value The FVS Valuation Podcast archives Complexities Of Subsequent Events in Business Valuation Enhancing Professional Growth through AICPA FVS Section Resources and Participation Transparency in Private Market Valuations LEARN MORE ABOUT THE FOLLOWING AICPA CREDENTIALS: Accredited in Business Valuation (ABV®) – Visit the home page and check out the ABV infographic Certified in the Valuation of Financial Instruments (CVFI®) – Visit the home page and check out the CVFI infographic Certified in Financial Forensics (CFF®) - Visit the home page and check out the CFF infographic This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here. Your feedback and comments are welcomed at podcast@aicpa-cima.com
Have you found yourself wondering, “What do I do first when I find out I'm getting divorced?" In this solo episode, top family law expert and mediator Susan Guthrie introduces the concept of Divorce Triage: a clear, strategic approach to navigating those overwhelming first days of divorce. Whether you're the one who's decided to file or you've just been hit with the news, knowing who to call first (and why) can make all the difference. Divorce isn't one-size-fits-all. And the first steps you take can shape your entire journey. This episode helps you figure out where to begin based on your unique circumstances so you can avoid costly missteps. With more than 30 years of experience as a family law attorney and mediator, Susan walks you through how to stabilize your emotional, financial, and legal footing so you can move forward with strength and strategy, not panic. What You'll Discover In This Episode: Why your “first call” might not be an attorney and how to know who to call first How to navigate emotional trauma after infidelity, financial betrayal, or a surprise divorce request The key players on your divorce team, attorney, mediator, coach, therapist, CDFA, and when to bring them in Why too many outside opinions can cause confusion, not clarity Susan's #1 piece of advice if you're unsure where to start Take the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond: https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years. Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond! ***************************************************************************** SPONSOR SPOTLIGHT: HEADSPACE Hello, Divorce & Beyond family! We've teamed up with Headspace to guide you towards better mental health. With Headspace's meditation, mindfulness tools, and mental health support, you're set for a happier, healthier you. Sign up through our exclusive link for free two weeks of Headspace membership. Don't miss out on this opportunity to embrace well-being. ***************** YUMIYU Jewelry YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU Code: “BEYOND” for 20% off! ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at divorceandbeyondpod@gmail.com for pricing and details!!! ***************************************************************************** DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.
On today's episode, hear from Matt Kaiser, who's with CDFA's Pierce's Disease Control Program and speaker at the 2025 Crop Consultant Conference, about his upcoming session in September on Pierce's Disease Control Program Updates.Supporting the People who Support AgricultureThank you to this month's sponsors who makes it possible to get you your daily news. Please feel free to visit their website.2025 Crop Consultant Conference - https://myaglife.com/crop-consultant-conference/
Think you've done everything right for retirement? One overlooked tax detail could cost you thousands. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, welcomes Rob Premselaar, CPA and founder of Premselaar CPA LLC, to shed light on the hidden tax pitfalls that can derail even the most carefully crafted retirement plans. They explore … Read More Read More
In this special solo episode, Melissa Joy, CFP®, CDFA, breaks down the newly passed One Big, Beautiful Bill Act—yes, that's really the name! Signed into law on July 4th, this sweeping piece of legislation (affectionately nicknamed “OB3”) will impact everything from your tax brackets to your charitable deductions, and much more in between. Whether you're a retiree, parent, small business owner, or high earner, Melissa walks through what's changing, what's staying, and what you need to know to navigate the financial road ahead.⚖️ Key Topics Covered:
Andrew is joined by Hirsch Serman, a Certified Divorce Financial Analyst®, CPA, and trained mediator. Hirsch helps navigate the complex financial terrain of divorce with a values-based approach, empowering clients to take control of their financial future. Thanks for listening! We'd be very grateful if you'd subscribe to the podcast and give us 5 stars! Please visit Transcend Retirement or Wiser Divorce Solutions. Follow Andrew on LinkedIn too!
In this week's episode of Women and Wealth, Regina is joined by a very special guest that has a business that we can all aspire to have one day.. Her very own chocolate shop. That's right! Estelle Tracy IS living the dream – as founder of 37 Chocolates and a chocolate sommelier herself, Estelle brings a unique (and tasty) view of business ownership that we haven't seen on Women and Wealth before! From her journey to founding 37 Chocolates and what pushed her to make the leap in the first place, to the personal challenges she faced, her delicious events and much more – Estelle shares what it's like to achieve the perfect mixture of passion, purpose and your career! Episode Highlights: 0:00 - Introduction 0:40 - Intro to Estelle Tracy 7:07 - More about Estelle's events 11:03 - “How did you transition to the chocolate business?” 17:45 - Where you can learn more about Estelle 18:04 - Challenges Estelle has faced as a professional woman ABOUT REGINA MCCANN HESS Regina McCann Hess, CFP®, CDFA®, is the Founder and President of Forge Wealth Management, with more than 25 years of experience guiding clients through wealth-building and life transitions—including divorce. She is a Certified Divorce Financial Analyst® and has completed the Amicable Divorce Professional Training and Collaborative Divorce Training, allowing her to support clients as they navigate the divorce process. Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero and host of the Women & Wealth podcast. Her insights have been featured across national platforms including Schwab TV, Yahoo Finance, CBS Philadelphia, KTLA Los Angeles, FOX 29 Philadelphia, King 5 Seattle, and NTD Television. She's also been quoted in top publications such as Forbes, Business Insider, USA Today, U.S. News & World Report, The Muse, and more. A sought-after speaker, Regina regularly presents at women's networks, divorce and financial wellness events, and has been a podcast guest on Financially Intentional, Average Joe Finances, Money & Mortgages, and more. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com CONNECT WITH ESTELLE TRACY Website: https://37chocolates.com/ LinkedIn: https://www.linkedin.com/in/estelletracy/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.
When divorce and entrepreneurship collide, things get complicated - fast. The emotional, financial, and legal entanglements are real, and one wrong move could cost you big. To help us navigate these divorce danger zones, Susan Guthrie welcomes Gabriella Martinelli to the show. Gabriella is a Certified Divorce Financial Analyst® and the founder of Ever After Wealth®, bringing over two decades of experience, including 16 years working closely with top family law attorneys. She's worked with countless business owners to protect their financial futures through even the most complex divorces. She's also the host of the new podcast Divorce and Money, where she shares no-nonsense financial strategies to help you feel informed and empowered around the money side of divorce. And yes, she brings that same clarity to this conversation. Whether you're the business owner or divorcing one, Gabriella unpacks exactly what can go wrong when business finances are intertwined with personal ones, why it matters, and what you can do before things spiral. From messy bookkeeping to emotional attachment and sudden income deficit disorder, this episode gets into the real-world complications and how to avoid them. What You'll Discover in This Episode: Why divorcing with a business is a “whole new level of hell” How emotional attachment to a business can cloud financial decisions Why running personal expenses through your business is a divorce disaster What to do now if you think divorce may be on the horizon How to avoid costly mistakes, distrust, and tax trouble down the line The power of financial clarity and when to bring in a CDFA® to support your team More About Our Special Guest, Gabriella Martinelli: Gabriella Martinelli is a Certified Divorce Financial Analyst® (CDFA®) and founder of Ever After Wealth®. With 21 years of experience in divorce finance, including 16 working alongside top attorneys, Gabriella helps individuals and professionals navigate the financial complexities of divorce with clarity and confidence. She makes complex financial topics easy to understand, offering real-world strategies that empower listeners to take control of their financial future. If you want more of Gabriella's straight-shooting advice, be sure to check out her new podcast, Divorce and Money, available now on all major platforms. Website: https://www.everafterwealth.com Contact: gabriella(at)everafterwealth.com Social Media: https://www.linkedin.com/company/everafterwealth https://www.instagram.com/everafterwealth/ https://www.facebook.com/EverAfterWealth/ Take the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond: https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years. Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond! ***************************************************************************** SPONSOR SPOTLIGHT: HELLO FRESH HelloFresh is now a proud sponsor of Divorce & Beyond! If you've been thinking about cutting back on grocery bills, avoiding food waste, or just getting dinner on the table without the stress — this is your moment, because right now, HelloFresh is offering one free item in every box — for life! That's right — every single box you order includes a free item, forever. And just to give you a taste of what that looks like... I got pineapple upside-down cakes in my first order! I originally discovered HelloFresh during the pandemic and fell in love with learning new recipes and expanding our dinner routine. I let it go for a while — hey, I live in Chicago with world-class restaurants on every corner — but with today's rising costs, HelloFresh is back on my table, and I'm so glad it is. So if you're ready to save time, money, and dinner — go to divorceandbeyond.com/hellofresh and sign up today to grab that free item for life. ***************** YUMIYU Jewelry YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU Code: “BEYOND” for 20% off! ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at divorceandbeyondpod@gmail.com for pricing and details!!! ***************************************************************************** DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.
Ready to regain your confidence and clarity during divorce? Join Karen McMahon's High Conflict Divorce Support Group—a 6-session group coaching program designed to help you manage triggers, set boundaries, and take back control. -- In this empowering episode of the Journey Beyond Divorce Podcast, Karen McMahon sits down with Certified Divorce Financial Analyst® Jacki Roessler to explore what really happens with your money after the ink dries on your divorce agreement. If you're wondering what financial steps to take after divorce, this conversation is your roadmap. Jacki walks you through a strategic post-divorce financial plan—from what to tackle in the first 3 months to a full year out. We dig deep into smart post-divorce money moves, like organizing your settlement paperwork, budgeting for your new reality, managing name changes and property titles, and understanding why delaying your QDRO (Qualified Domestic Relations Order) can be a costly mistake. With nearly 30 years of experience, Jacki shares insider tips on navigating stock options, RSUs, cash flow, taxes, and more. You'll walk away with a clear, actionable post-divorce financial checklist—and a free customizable worksheet to help you rebuild your financial identity with clarity and confidence. Connect with Jacki: Free Gift: Post-Divorce Game Plan - https://www.roesslerdivorce.com/wp-content/uploads/2024/09/post-divorce-gameplan-fillable.pdf Linkedin: https://www.linkedin.com/in/jackiroessler/ Facebook: https://www.facebook.com/JackiRoesslerCDFA Website:: https://www.roesslerdivorce.com/ Podcast: https://podcasts.apple.com/us/podcast/divorce-rich-with-jacki-roessler-cdfa/id1735150222 Resources Mentioned in this episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com Join the High Conflict Divorce Support Group: https://www.jbddivorcesupport.com/hcdsg
Meet Gabriella MartinelliGabriella E. Martinelli is a Certified Divorce Financial Analyst® (CDFA®) and founder of Ever After Wealth®. With 21 years of experience in divorce finance, including 16 working alongside top attorneys, Gabriella helps individuals and professionals navigate the financial complexities of divorce with clarity and confidence. She makes complex financial topics easy to understand, offering real-world strategies that empower listeners to take control of their financial future.WEBSITE: https://www.everafterwealth.com Email: gabriella@everafterwealth.com Facebook https://www.facebook.com/EverAfterWealth/ Instagram https://www.instagram.com/everafterwealth/ LinkedIn https://www.linkedin.com/company/everafterwealth
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