Podcasts about cdfa

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/KatieHalleLambert​​​This 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.

One of the biggest mistakes people make in divorce is waiting until they are officially divorced to hire a financial planner/investment firm. My guest in this episode is Peter Mullins, CDFA® and Vice-president at Vestor Capital, who explains what exactly a financial plan is, and how you can benefit by consulting with a financial advisor (especially a CDFA®) before or during your divorce. I am a client of Pete's (have been for a long time) so this is personal for me! 

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  

Dave and Lisa explore the intricacies of the market approach highlighting the importance of using reliable market data and multiple valuation approaches to achieve accurate results. They discuss how risk factors and company size influence valuation multiples and provide practical tips for applying these concepts in real-world scenarios. Key takeaways include: Combining income, market, and asset approaches helps mitigate the risk of skewed valuation results Understanding and adjusting for risk factors, such as customer and supplier risks, is crucial in determining accurate valuation multiples. Market multiples should be adjusted for forward-looking earnings and industry-specific risks to ensure they reflect the true value of a business. Guest: Lisa Cribben, CPA/ABV, Partner, Hawkins Ash CPAs 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 NEW RESOURCE Welcome to a career in forensic and valuation services - early-career guidance, built for you 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 How to use MergerShark to improve your market approach | FVS webcast archive Valuation of Privately Held Companies Equity Securities Issued as Compensation Valuation of Portfolio Company Investments of Venture Capital and Private Equity Funds and Other Investment Companies  The FVS Valuation Podcast archives Women Leaders in Business Valuation  The Business Valuation Profession Enhancing Professional Growth through AICPA FVS Section Resources and Participation 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      

In this week's episode of Women and Wealth, Regina covers yet another difficult topic that many people—especially most recent college graduates—have to deal with: Student loans. These loans help make a college education possible for many Americans and can be a big part of the equation in launching your career. However, paying them off can be a tricky situation for young people trying to find financial footing—especially in today's economy. Join Regina as she breaks down the current landscape of student debt but more importantly, what you can do personally, or recommend to others that are leaving college and entering the workforce. From striking the balance between repayment and saving, to creating a budget and how you can leverage your new role to help your retirement! Episode Highlights:   0:00 - Introduction 0:34 - Graduation season and student loans 3:30 - Start contributing to plans as soon as your eligible 5:02 - Creating a monthly budget 10:32 - Take advantage of your company's retirement plan match 12:13 - Setup good habits, a new rule for student loans 13:51 - More about company match (and how it impacts your future) 20:29 - Action item and episode wrap-up 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 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.  

CDFA credits community cooperation for successful eradication, but warns that vigilance against invasive pests must continue.

Outsourcing your bookkeeping isn't just a cost-saving move; it could be the smartest strategic decision your business makes this year. In this episode, Larry Heller, CFP®, CDFA®, sits down with Cheri Giglia, Owner and Managing Director of Supporting Strategies on Long Island, to explore why more small businesses are turning to virtual bookkeeping for efficiency, … Read More Read More

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

Send us a textWhat if the key to financial independence and peace of mind was simply knowing where your money goes every month?In this eye-opening episode, we're joined by Laurie Itkin, a financial advisor and certified divorce financial analyst (CDFA). She is also the author of the Amazon best-seller, Every Woman Should Know Her Options: Invest Your Way to Financial Empowerment. Investopedia named Ms. Itkin one of the top 100 most influential financial advisors in the country. Laurie's not just an expert, she's lived the journey herself, becoming a millionaire before 40 and writing a book about it.Laurie shares her personal story growing up with a single mom who depended financially on others, and how that shaped her fierce commitment to financial independence. She dives deep into the common financial pitfalls women face, especially around divorce, and why budgeting and investing aren't just smart, they're mandatory steps for every woman's future security.You'll get Laurie's no-nonsense, “cold shower” advice on spending less than you earn, making investing a budget priority, and why even high earners can't afford to ignore where their money is going. Plus, she breaks down why prenups matter and the financial realities of marriage and divorce across different states.00:32 The Importance of Prenups in Modern Marriages01:15 Financial Conversations Before Marriage02:30 Normalizing Prenups and Financial Transparency04:58 Introducing Laurie05:50 Laurie's Background08:03 The Reality of Financial Independence for Women14:28 Laurie's Smart Investment at 2418:07 Understanding Stock Dividends and Covered Calls18:55 Secrets to Becoming a Millionaire19:27 The Importance of Budgeting and Investing20:41 Overcoming the Fear of Investing22:27 Navigating Divorce Financially33:26 Defining Financial FreedomFollow & connect with Laurie:Website LinkedInFacebookConnect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

How much did financial abuse impact you in your relationship?We know that over 98% of all domestic violence victims experience some form of financial abuse and that it does not stop once you have left.So, how can you be prepared for your separation and divorce and be set up to survive in the aftermath?Because I am not a financial expert AND because I understand the devastation that financial abuse can cause, I asked Jun Chen, a certified divorce financial analyst and certified financial planner to share his knowledge with all of us. We discuss the basics, like what a CDFA actually does and the best ways to prepare to the more nuanced questions around what to do if your ex is hiding money.And similar to most aspects of divorcing a narcissistic and abusive partner, there are nuances to your situation.  So, if this episode has given your more questions that you started out with or something wasn't answered…I invite you to come to our FREE Q&A style workshop on June 12th. REGISTER FOR THE FREE WORKSHOP W/ JUN: https://mailchi.mp/risingbeyondpc/financesAbout Jun: With over 13 years of experience in the financial services industry, Jun Chen is a seasoned wealth advisor known for providing comprehensive, client centric guidance tailored at each stage of life.  As a Certified Financial Planner™ (CFP®), Certified Divorce Financial Analyst® (CDFA®), and Certified Plan Fiduciary Advisor™ (CPFA™), Jun brings a uniquely broad skill set to families seeking to create bespoke financial plans that require a high level of expertise.  Jun  specializes in holistic financial planning, investment management, retirement planning, and workplace retirement plans. Known for a thoughtful, educational approach, Jun prioritizes building long-term relationships rooted in trust and transparency. Outside the office, Jun is active in the local community, frequently volunteering as a pro bono CFP with Women's Resource Center to End Domestic Violence and Wings For Widows  He is also a board member of Sunnyside, a non-profit focused on resources for neurodivergent individuals.  Jun believes that financial planning should not be limited to those of high net worth but available to those who might not have the resources.Connect with Jun:linkedin.com/in/jun-chen-cfp®-cdfa®-cpfa®-067bb443Email: jun.team@fidaPlease leave us a review or rating and follow/subscribe to the show. This helps the show get out to more people.If you want to chat more about this topic I would love to continue our conversation over on Instagram! @risingbeyondpcIf you want to support the show you may do so here at, Buy Me A Coffee. Thank you! We love being able to make this information accessible to you and your community.If you've been looking for a supportive community of women going through the topics we cover, head over to our website to learn more about the Rising Beyond Community. - https://www.risingbeyondpc.com/ Where to find more from Rising Beyond:Rising Beyond FacebookRising Beyond LinkedInRising Beyond Pinterest If you're interested in guesting on the show please fill out this form - https://forms.gle/CSvLWWyZxmJ8GGQu7Enjoy some of our freebies! Choosing Your Battles Freebie Canned Responses Freebie Mic Drop Moments Freebie ...

The market is unpredictable; your retirement plan shouldn't be. In this episode of Retirement Unlocked, host Larry Heller, CFP®, CDFA®, breaks down six of the most common (and costly) mistakes people make when planning for retirement. From underestimating how much you can spend to failing to optimize your Social Security benefits, Larry shares why these … Read More Read More

If you're in the thick of a divorce or just thinking about what life would look like after, the big question of "What happens to the house?" probably feels overwhelming. That's precisely what we're digging into this week. I am joined by Jeff Landers, CDFA, CDLP, and the founder of Divorce House Sense®, LLC.Jeff is a Certified Divorce Financial Analyst and a Certified Divorce Lending Professional. He's worked with nearly a thousand people navigating divorce, written seven books on the subject, and contributed his expertise everywhere from Forbes to Huffington Post. If anyone can demystify the process of keeping or letting go of the family home, it's Jeff.We talk about why the home is way more than just another line on the asset sheet, the emotional issues and hidden financial pitfalls, and why talking to a specialist early on can save you significant stress, money, and heartache. Jeff shares stories of clients who've made tough choices, from those with children trying to keep stability to "gray divorce" couples without kids at home and everyone in between.You'll gain insight into everything from calculating if you can afford to keep the house to what happens when financial plans go sideways. Plus, Jeff shares practical tips on negotiating with your ex, what your divorce lawyer might not know about the mortgage process, and why you definitely don't want to be "house rich and cash poor."So if the thought of the family home is keeping you up at night, or you know someone facing this crossroads, settle in, and get ready for some expert advice that might just change how you approach this big divorce decision. About the Guest:Jeffrey A. Landers, CDFA, CDLP, is the founder of Divorce House Sense®, LLC, whose mission is to help divorcing people who want to keep their marital home. Jeff is a Certified Divorce Financial Analyst (CDFA™), Certified Divorce Lending Professional (CDLP™), licensed Real Estate Broker and licensed Mortgage Originator. Jeff has written 6 published books with 18,000+ copies sold nationwide focusing on the financial aspects of divorce for women, as well as contributing articles regularly to Forbes.com, The Huffington Post, DailyWorth, More.com, Lawyers.com, and many other online publications. Jeff's 7th book, Divorce House Sense®: How to Keep Your Marital Home So You Can Move On, Not Out® was recently published. He is a go-to expert for the financial aspects of divorce for women, interviewed extensively by CBS and FOX Television News, as well as The Wall Street Journal, Dow Jones, The Miami Herald, Smart Money, Consumer Reports, and The Christian Science Monitor. Jeff earned his BA degree in psychology from Columbia University and studied law at Pace University School of Law.For Jeff's gift of a discount on his book, use code TDS when checking out at https://divorcehousesense.com/To connect with Jeff:Website: DivorceHouseSense.com (https://divorcehousesense.com/)LinkedIn: https://www.linkedin.com/in/jefflanders/About 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 Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube:...

What a fun but also important conversation about being in a relationship or dating men who don't have a lot of money. My guest is financial advisor, Amanda Campbell, CDFA®, CFP®, AIFF®, AAMS®, and together, we offer some relationship red flags for men who might not have a lot of money. By the way, there are a lot of wonderful men who don't have a lot of money, but we tell you what to watch out for! Learn more: https://www.divorcedgirlsmiling.com/there-are-men-with-no-money-and-then-there-are-men-with-no-money/

Divorce negotiations can feel like a battlefield—two people locked in conflict, each fighting to protect what matters most. But what if you stopped viewing your ex as the enemy and started seeing the process as a strategic game—one where understanding, clarity, and emotional regulation could actually help you get better results? In this episode of the Journey Beyond Divorce podcast, I'm joined by Brenda Bridges—Certified Divorce Financial Analyst, Divorce Coach, and Mediator. Brenda has not only helped countless clients navigate the financial and emotional complexities of divorce—she's lived it. After experiencing her own financially devastating divorce, she made it her mission to help others avoid the same mistakes by approaching divorce strategically instead of emotionally. Together, we explore how negotiating during divorce doesn't have to be driven by fear, anger, or reactivity. We talk about the importance of understanding your spouse's values—what they truly care about—and how using that insight can completely shift the way you approach settlement discussions. Whether it's financial security, time with the kids, or protecting their image, knowing what drives them can give you a surprising amount of leverage. We also dive into what it means to regulate your emotions, communicate with intention, and stay grounded during mediation or high-conflict negotiations. If you've ever felt stuck in a tug-of-war, always bracing for the next blow, this conversation offers a new perspective—one rooted in strategy, self-awareness, and the belief that you can walk away from divorce with clarity, confidence, and a future you're excited about. This episode is for anyone ready to stop playing defense and start negotiating from a place of strength and insight. Because when you understand the emotional and financial landscape of divorce, you can make smarter choices and protect what truly matters to you. Connect with Brenda: Website: https://bridgingdivorcesolutions.com/ Instagram: https://www.instagram.com/bridgingdivorce Facebook: https://www.facebook.com/BridgingDivorce/   "New Normal" Post Divorce Checklist: https://mailchi.mp/bridgingllc/jtzu34jo7l 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

In this episode of Doing Divorce Different, Lesa Koski sits down with Kimberly Miller—an attorney and licensed marriage and family therapist—who is changing the way divorce is approached. With a dual background in law and therapy, Kimberly shares how her work bridges legal strategy with emotional intelligence to support families through respectful, amicable transitions.We explore her journey from courtroom advocate to holistic practitioner, the power of mediation, and the inspiration behind Part Wise—an educational platform designed to demystify divorce and empower those navigating it.What You'll Learn:How Kimberly integrates legal and therapeutic practicesWhy collaborative divorce leads to better outcomesWhat Part Wise offers and how it's changing divorce educationTips for finding peace and clarity in the midst of legal transitionsTwin Cities divorce professional Kimberly Miller, JD, LMFT, CFP®, CDFA®, is known for her ability to resolve challenging family issues without resort to aggressive legal strategies that are damaging to vital family relationships. After years of litigating business and family disputes at a prominent national firm, she recognized the devastating psychological and financial impact that litigation can have on individuals, couples, and other loved ones. She decided to establish her own practice to promote alternative forms of dispute resolution, such as collaborative law and mediation, to reach consensus.Resources:

In this episode of Seen & Herd, Paul Sousa, Director of Environmental Sustainability and Regulatory Affairs at Western United Dairies, recaps a significant "doubleheader" of meetings held on Cinco de Mayo—a CDFA hearing on Stop QIP Petition #5 and an afternoon Producer Review Board (PRB) meeting. He breaks down procedural updates, introduces new board members, discusses quota administration issues, and explores the intriguing possibility of using a state bond to retire quota. Paul also provides important guidance on ballot signature requirements ahead of June's upcoming referendum and dives into a tense series of hardship relief requests. Stay informed on how these developments may shape the future of the quota program in California.Resources:> Previous Episode: Breaking Down Quota Results with Anja Raudabaugh> CDFA Producer Record Update Form

Hosts: Catherine Shanahan, CDFA & Karen Chellew, Legal LiaisonPresented by: My Divorce Solution You've done the work, your mediation date is approaching—and your spouse has barely provided more than a screenshot or two of their accounts. What now? In this episode, Catherine and Karen take you behind the scenes of what happens when mediation is scheduled but the documents just aren't there. They walk you through the common pitfalls, legal misconceptions, and high-stakes decisions that clients face in this scenario. Whether you're facing a controlling spouse, incomplete documentation, or pressure from professionals to move forward, this episode offers practical, empowering steps to protect your financial future. Why negotiating in mediation without full disclosure is like “negotiating in the dark” Why asking for documents is not aggression—it's protection Real-world scenarios and how professionals sometimes pressure clients to move forward prematurely The MDS playbook for Pre-Mediation Triage Your three critical options: Go, Pause, or Pivot Tools attorneys and mediators can (and should) use to get the missing data The real cost of moving forward without clarity—and how to avoid regret We want to hear from you. Email us at wechat@ck11.net with your questions or topic suggestions. Disclaimer: This podcast is for informational purposes only and should not be considered legal or financial advice. Please consult your own professionals for guidance tailored to your unique situation. What You'll Learn:Have a Question? Learn more about your ad choices. Visit megaphone.fm/adchoices

What are some steps you should be taking 5 years before your retirement?  This question sets the stage for an engaging episode with Larry Heller, CFP®, CDFA ®, where we delve into the crucial five-year countdown to retirement.  Larry emphasizes the importance of timely planning and actionable strategies to ensure a smooth shift into this … Read More Read More

In this powerful and deeply insightful episode of Breaking the Trauma Bond with Lisa Happ , Rhonda Noordyk, CDFA®, sits down with divorce coach and survivor Lisa Happ to unpack the layered realities of high-conflict divorce—especially when narcissistic abuse, coercive control, and parental alienation are in play. Together, they offer transformational strategies for women navigating these emotionally charged separations, empowering them to recognize abuse, reclaim their voice, and create a safe, healing home environment for themselves and their children. Whether you're in the midst of a difficult divorce or supporting someone who is, this episode sheds light on both the pain—and the path to peace.     Key Discussion Points:

In today's Ag Net News Hour, Nick Papagni, “The Ag Meter,” and Lorrie Boyer started off talking about how the Bureau of Reclamation has increased water allocations for Central Valley Project contractors, with South of Delta irrigation, water service, and repayment contractors receiving an increase from 40% to 50%. However, concerns remain that this isn't sufficient to support farming needs, with frustration over water policy and environmental restrictions preventing farmers from receiving more. They also updated listeners on the California Department of Food and Agriculture (CDFA) working to control Mediterranean fruit fly populations using the sterile insect technique, which involves releasing sterilized male flies to disrupt reproduction. This method has been used before, including in Los Angeles County in 2023. The presence of Mediterranean fruit flies in Alameda and Santa Clara counties poses a significant threat to specialty crop growers, with potential economic losses of up to $1.8 billion per year. CDFA has established quarantines and monitoring programs to address the issue. Another topic on the show today was the Port of Los Angeles is facing a significant drop in shipping volume due to tariffs on Chinese goods. Shipments from China, which account for 45% of the port's business, are expected to decrease by 35% starting next week. Major American retailers have halted shipments from China, and transport companies are exploring alternatives in Southeast Asia to fill ships. This situation is part of a broader trade strategy aimed at addressing imbalances with China. In today's Almond Board of California Almond Update segment, the almond industry is focusing on sustainability, stewardship, and nutrition to highlight its role in addressing climate goals and supporting local communities. Efforts include improving water efficiency, carbon capture, and promoting almonds as a nutritious protein alternative. Communication with legislators is key, as many are unfamiliar with farming challenges. Advocacy efforts, such as lobby days, aim to educate policymakers on the industry's contributions and regulatory impacts. Uncertainty around the 2025 almond crop due to weather and bloom challenges is being closely monitored, with potential impacts on supply and pricing. The almond industry continues to emphasize its importance in agriculture and the economy. Additionally, specialty crop growers are receiving support through the USDA's Marketing Assistance for Specialty Crops program, addressing challenges like rising costs, labor shortages, and trade disruptions. An alliance of agricultural organizations is pushing for a bipartisan farm bill to enhance competitiveness.