POPULARITY
88 episodes with cdfa
77 episodes with cdfa
46 episodes with cdfa
44 episodes with cdfa
54 episodes with cdfa
35 episodes with cdfa
31 episodes with cdfa
29 episodes with cdfa
29 episodes with cdfa
13 episodes with cdfa
8 episodes with cdfa
11 episodes with cdfa
11 episodes with cdfa
7 episodes with cdfa
18 episodes with cdfa
6 episodes with cdfa
14 episodes with cdfa
11 episodes with cdfa
7 episodes with cdfa
5 episodes with cdfa
6 episodes with cdfa
7 episodes with cdfa
5 episodes with cdfa
4 episodes with cdfa
14 episodes with cdfa
4 episodes with cdfa
4 episodes with cdfa
4 episodes with cdfa
3 episodes with cdfa
5 episodes with cdfa
4 episodes with cdfa
4 episodes with cdfa
2 episodes with cdfa
6 episodes with cdfa
13 episodes with cdfa
8 episodes with cdfa
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
Doing Divorce Different A Podcast Guide to Doing Divorce Differently
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
Catherine and Nathan, both seasoned CPAs and ABVs, discuss the complexities of subsequent events in business valuation. They explain the definition, implications, and relevance of these events in contexts like estate and gift tax transactions. Their conversation covers how these events can affect or indicate value, the standards and court rulings involved, and the challenges of determining what is known or knowable at the valuation date. Key Takeaways: Definition of subsequent events are particularly relevant in litigation, estate, and gift tax transactions Known or knowable at the valuation date, but courts may sometimes consider subsequent events differently Importance of providing additional information to courts without muddying the valuation process Guests: Catherine Stoddard, CPA/ABV, Stoddard Consulting PA Nathan Duke, CPA/ABV, Senior Manager, Forvis Mazars US 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. Disaster relief resource center 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 VS Section 100 (SSVS) Development Compliance Checklists VS Section 100 (SSVS) Reporting Compliance Checklists Considerations when valuing distressed or impaired businesses FAQs The FVS Valuation Podcast archives Turning Risk into Value - Gathering and Applying Information for Better Data Visuals Reconciling Discount Rates for Intangible Asset Valuation in PPAs Supporting Company Specific Risk and Reconciliation under ASC 805 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
Catherine and Nathan, both seasoned CPAs and ABVs, discuss the complexities of subsequent events in business valuation. They explain the definition, implications, and relevance of these events in contexts like estate and gift tax transactions. Their conversation covers how these events can affect or indicate value, the standards and court rulings involved, and the challenges of determining what is known or knowable at the valuation date. Key Takeaways: Definition of subsequent events are particularly relevant in litigation, estate, and gift tax transactions Known or knowable at the valuation date, but courts may sometimes consider subsequent events differently Importance of providing additional information to courts without muddying the valuation process Guests: Catherine Stoddard, CPA/ABV, Stoddard Consulting PA Nathan Duke, CPA/ABV, Senior Manager, Forvis Mazars US 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. Disaster relief resource center 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 VS Section 100 (SSVS) Development Compliance Checklists VS Section 100 (SSVS) Reporting Compliance Checklists Considerations when valuing distressed or impaired businesses FAQs The FVS Valuation Podcast archives Turning Risk into Value - Gathering and Applying Information for Better Data Visuals Reconciling Discount Rates for Intangible Asset Valuation in PPAs Supporting Company Specific Risk and Reconciliation under ASC 805 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
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.
When the legal system becomes a weapon, how do you protect yourself—and your children? In this compelling conversation, Rhonda is joined by Lisa Johnson, co-founder of Been There, Got Out, to expose the realities of legal abuse, coercive control, and the hidden challenges self-represented litigants face in high-conflict divorce and custody battles. Lisa shares both her lived experience and professional insights to equip listeners with tools for survival and success in the courtroom. From navigating manipulative exes to choosing the right attorney and crafting a rock-solid parenting plan, this episode is packed with strategy, strength, and solidarity for anyone who feels like the system is stacked against them.
FEDERAL EMPLOYEES CONSIDERING VERA OR VSIP FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and special guest Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA
Wildfires. Hurricanes. Cyber Attacks. How are today's biggest threats reshaping the insurance industry—and what can you do to stay protected? In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, sits down with Gregg Knepper, President of Integrated Coverage Group, to break down the rapidly changing insurance landscape. With more than 15 years of experience … Read More Read More
Meet Jeffrey Landers: I spoke to Jeffrey Landers, CDLP, CDFA about his company, Divorce House Sense, LLC and his new book, Divorce House Sense: How To Keep Your Marital Home So You Can Move On, Not Out. The book will help divorcing people nationwide who want to keep their marital home. In addition to discussing his book he also shared his personal story of being married for 34 years and now divorced. You can find Jeffrey here:https://www.linkedin.com/in/jefflanders/ https://www.facebook.com/jeff.landers.9210/
This week, Ivy Slater, host of Her Success Story, chats with her guest, Stacy Francis. The two discuss Stacy's journey from launching a nonprofit at a young age to establishing a successful wealth management firm, the complexities of succession planning, and harnessing technology like AI to boost efficiency and client service. In this episode, we discuss: How Stacy embarked on her journey What sparked her mission and why it was so important to her Why succession planning is crucial What role technology plays in buisness How Stacy balanced her personal and professional life Stacy Francis, CFP®, CDFA®, CES™ Stacy is the President and CEO of Francis Financial, a fee-only boutique wealth management, financial planning and divorce financial planning firm dedicated to providing ongoing comprehensive advice for successful individuals, couples, and women in transition such as divorce or widowhood. She is a Certified Financial Planner™ (CFP®), Certified Divorce Financial Analyst® (CDFA®), and Certified Estate and Trust Specialist (CES™) with over 20 years of experience in the financial industry. Stacy is also the founder of the non-profit, Savvy Ladies™, host of the Financially Ever After podcast, and the author of the white paper, Unveiling the Unspoken Truth: The Financial Challenges Women Face During and After Divorce and Financial Help for Widows - A Complete Resource Guide. Social Media Handles: Instagram: @francisfinancialinc; Twitter: @FrancisFinance; Francis Financial's Facebook: https://www.facebook.com/FrancisFinancialInc/ Francis Financial's LinkedIn: https://www.linkedin.com/company/francisfinancialinc Stacy's Facebook: https://www.facebook.com/StacyFrancisFinancial/ Stacy's LinkedIn: https://www.linkedin.com/in/stacyfrancis/ Mailing Address: Francis Financial, Inc. 39 Broadway, Suite 1730 New York, NY 10006
What tax traps could derail your retirement plans? In this episode, Larry Heller, CFP®, CDFA®, breaks down five major tax “gotchas” that high-net-worth retirees must navigate to protect their wealth and retirement security. From the impact of required minimum distributions to the looming expiration of the 2017 tax cuts, Larry sheds light on often-overlooked tax … Read More Read More
In this episode of The Authority Company Podcast, Joe chats with Mary Clements Evans, a seasoned financial advisor and author of Emotionally Invested: Outsmart Your Anxiety for Fearless Retirement Planning. Mary shares her journey from growing up in a financially struggling household to becoming a successful financial advisor, helping clients navigate the emotional complexities of money management. She introduces her concepts of FOMO (Fear of Missing Out) and FORO (Fear of Running Out), explaining how these emotional drivers influence financial decisions. Mary also delves into the history of pensions, the complexities of modern finance, and common mistakes people make when planning for retirement. With a blend of personal anecdotes and professional insights, Mary offers practical advice for anyone looking to take control of their financial future. Tune in to learn how to outsmart your financial anxieties and plan for a fearless retirement.MARY CLEMENTS EVANS, CFP®, CDFA®, ABFS®, is the founder and president of Evans Wealth Strategies in Emmaus, Pennsylvania and a registered principal with Raymond James. She specializes in helping individuals and couples overcome their fear, anxiety and guilt about money so they can achieve financial happiness now and in retirement.
It's a question I hear time and time again from people getting divorce: Will I be able to keep my home in the divorce? My guest in this episode is Jeff Landers, CDLP®, CDFA®, and author who has dedicated his career to helping people stay in their homes if that's what they want. Jeff has so much knowledge and many wonderful tips. Learn more: https://www.divorcedgirlsmiling.com/homeownership-after-divorce-the-emotions-and-financial-reality/
You may have spent years and decades combining your finances. But now have to separate them in a matter of weeks or months. Certified Financial Litagator Lisa Zeiderman with Miller Zeiderman, LLP says finding out if each side in a divorce is 'apples to apples OR apples to oranges' is the first step in dividing the joint accounts. Zeiderman also recommends keeping many of your accounts compeletly separate, especially if you inherit anything during the marriage. Also discover what a CDFA is and if you need one. You can follow this show on Instagram and Facebook. To see what Heather does when she's not talking money, go to her personal X (Twitter) page. Be sure to email Heather with your questions and request topics you'd like her to cover here.
What happens when three women-all divorce professionals who all happen to have gone through a divorce get together and talk divorce? A lot of: wisdom and tips, and a little bit of laughter. My guests in this episode are Catherine Shanahan, CDFA and Karen Chellew, who are the co-founders of their amazing divorce financial preparation process called My Divorce Solution. Learn more here: https://mydivorcesolution.com/
It's time to discuss the world of Mergers and Acquisitions (M&A) in accounting. In this episode, Larry Heller, CFP®, CDFA ® sits down with Geoff Bruskin, M&A specialist from White Tiger Connections, Inc., to discuss the bustling landscape of M&A, particularly within accounting. Geoff, with his extensive background in business brokerage and private equity, sheds … Read More Read More
In this episode, Rhonda Noordyk welcomes Karen, known as the "Good Divorce Coach," to discuss how divorce can be a transformative process rather than a destructive one. Together, they explore essential strategies for navigating divorce with emotional regulation, communication, and self-care. Key Takeaways: Divorce as a Transformation Tool: How shifting your mindset can turn divorce into an opportunity for personal growth. Parenting Through Divorce: Effective communication strategies, maintaining a unified front, and preparing children for the transition. Navigating Life as a Single Person: The importance of self-care, rediscovering personal joy, and embracing the "Devorgasmic stage." Co-Parenting & Relationship Transitions: How to manage changing dynamics with respect and strategy. Practical Divorce Advice: Tips for those without complex financial situations and the power of community support. Connect with Karen here: Website here. Link to socials here. Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence. For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.
Tune in to this episode of A Wiser Retirement® Podcast as we sit down with Senior Financial Advisor Missie Beach, CFP®, CDFA®, to discuss her 20+ years of experience in financial planning. She shares the challenges of being a woman in a male-dominated industry, the importance of integrity in financial planning, and her passion for empowering women and young families. Discover how her client-first approach, commitment to financial education, and passion for making a difference shape her work at Wiser Wealth Management.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 SmithLearn More:- Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial success.- Access Our Free Guides: Gain valuable insights on topics such as why most financial plans fail, how to leave a financial legacy, 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!
What does it mean to face the ‘sequence of returns risk' when you retire? In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, discusses why the order of your investment returns matters as you enter retirement. Larry also breaks down this critical aspect of retirement planning and introduces strategies that can safeguard your financial … Read More Read More
In this insightful episode, Rhonda and Heather dive into the unique challenges women face during divorce, from financial concerns to emotional well-being. They discuss the importance of financial literacy, self-advocacy, and navigating the legal system with confidence. The conversation highlights the role of mediation in resolving disputes, the need for skilled mediators, and why women should take an active role in decision-making both during marriage and divorce. Key Topics Covered: Financial challenges women face during divorce Empowering women to understand and manage their finances The role of mediation in resolving disputes Importance of skilled mediators and legal guidance Why women should be active participants in financial and legal decisions Connect with Heather: Heather's Linktree Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence. For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.
"I'm dedicated to dispelling financial uncertainty for women and guiding them toward self-reliance." - Donna S. Cates Divorce is challenging, especially when significant wealth is involved. Dividing assets, valuing complex holdings, and ensuring financial stability for both parties requires specialized expertise. In this episode, Certified Divorce Financial Analyst (CDFA®) Donna S. Cates provides insights into high-net-worth divorce, covering key topics such as equitable distribution, valuing businesses and real estate, tax implications, and strategies to secure your financial future. Whether you're in the midst of divorce or rebuilding afterward, Donna's advice will help you navigate this complex transition. Donna, with over 20 years of experience, is a leader in financial empowerment, particularly for women. As the founder of "Money Matters Wealth Solutions" and "Navigating Divorce," she provides expert financial planning and divorce mediation services. She's also the bestselling author of Divorce Decoded and Financial Trendsetters. Join us for this crucial conversation on: Equitable vs. equal distribution of assets Valuing complex assets like businesses and intellectual property Tax implications and preserving wealth after divorce The benefits of working with a CDFA® during divorce If you're facing the challenges of high-net-worth divorce, this episode is a must-listen. Connect with Donna: Free Gift: Surviving the Storm: Navigating Through Divorce with 5 Smart Financial Steps - https://go.moneymatterswealth.com/surviving-the-storm Instagram: https://www.instagram.com/donnacates Facebook: https://www.facebook.com/MoneyMattersWealth; https://www.facebook.com/DivorceDivasAlabama/ LinkedIn: https://www.linkedin.com/in/donnacates/ Journey Beyond Divorce Resources: Join the High Conflict Divorce Support Group: https://www.jbddivorcesupport.com/hcdsg Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com A word from our sponsors: Soberlink is a revolutionary tool designed to support individuals in their journey to sobriety. As a leading provider of remote alcohol monitoring, Soberlink offers a secure and reliable solution that helps people stay accountable and transparent in their recovery process. We're grateful for Soberlink's commitment to enhancing the recovery process and providing valuable resources to our listeners. Learn more about how Soberlink can make a difference in your journey at www.soberlink.com/jbd ======= TalkingParents provides a comprehensive platform designed to simplify co-parenting and enhance communication between parents. With secure messaging, a shared calendar, and features for tracking parenting time, TalkingParents ensures that all important details and agreements are documented and accessible. We're grateful for TalkingParents' support in simplifying co-parenting and enhancing communication for our listeners. Discover how TalkingParents can bring clarity and organization to your co-parenting journey at www.talkingparents.com/jbd
In this episode, Rhonda and Brynn discuss the crucial role of a nanny in co-parenting relationships, especially during and after divorce. Brynn, founder of the Premier Nanny Network, shares how professional nannies provide stability, facilitate trust, and help manage daily logistics, allowing parents to focus on quality time with their children. They also explore Brynn's work in supporting women through life's challenges and the potential for future collaboration. Key Topics: How a professional nanny supports co-parenting dynamics The impact of nannies on stability, trust, and financial matters post-divorce Brynn's work helping women navigate life transitions Exciting plans for a future collaboration Connect with Brynn: www.premiernannynetwork.com @premiernannynetwork Her Social Media: https://www.linkedin.com/in/brynn-ungerleider-a123ba30a/ https://www.facebook.com/profile.php?id=61558084171799 Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence. For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.
In this episode, Rhonda sits down with Anne Wintemute, CEO of Aimee Says, an innovative AI app designed to support individuals through the challenges of divorce, especially those recovering from abusive relationships. Anne shares the inspiration behind Aimee Says and its mission to provide accessible companionship, legal guidance, and emotional validation, bridging the gap often left by costly therapists and legal professionals. She highlights the app's impactful features, including a message evaluation tool that helps users process and respond to communication from their abusers with clarity and confidence. Tune in to hear how Aimee Says is transforming the divorce process into a less traumatic and more empowering journey for its users. Connect with Anne: https://www.facebook.com/people/Aimee-Says/61552414454913/ www.aimeesays.com https://www.aimeesays.com/en/home?utm_source=financial&utm_medium=email&utm_campaign=dec_launch Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence. For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.
This is the second in the series of interviews with authors of “The Other Side of Divorce: Breakups That Lead to Breakthroughs”. Today, I have the opportunity to speak with Laura Richards, Gina Nalbone Phillips, Melissa K. Range, and Myriam-Rose Kohn. We explore why they contributed to the book, the lessons they learned through their divorce, and the words of wisdom they would like to share with other women at any stage of the divorce process. Tune in to hear from the authors, consider a different way to experience divorce, and why sharing how divorce can positively impact your life is so important. About the Guests:Laura RichardsLaura Richards is an international podcaster and author dedicated to empowering women by providing a platform for sharing their profound stories of darkness and resilience. Through her acclaimed podcast, "That's Where I'm At," Laura unveils her personal journey of recovery from a 32-year marriage to a narcissist. She insightfully reveals the deceit and manipulation tactics used by abusers, offering guidance and support to help women recognize, understand, and heal from such experiences. Beyond her podcasting achievements, Laura is also the author of the best selling book "There Is Hope: 52 Keys To Healing After Divorce," a book offering essential insights and strategies for rebuilding life after the end of a marriage. Her work stands as a beacon of hope and transformation for those navigating the path to healing and empowerment.To find out more about Laura's podcast: https://www.thatswhereimatpodcast.com/ Gina Nalbone PhillipsGina 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.To find out more about Gina: https://www.wnydivorcefinancial.comMelissa K. RangeMelissa is a single mom of three certified lifeguards who have saved over 20 lives combined, plus Apollo the friendliest dog in town. Melissa loves to travel (especially if it means playing with fire), meet new people, and live interdependently by her own lights. Tell her she can't do something, and she will probably reply, "Watch me!"She has been on a spiritual path for 15 years, being inspired to evolve through multiple certifications such as Firewalk instructor, Crystalline Priestess, Money Breakthrough Business coach, Sacred Money Archetypes coach, and Doula. She's also an Usui, Karuna, Angelic, and Crystal Reiki Master Teacher, Akashic record reader, and former Zumba and ballroom dance instructor.Melissa mentors and empowers women to rebuild their intuition, reclaim their power, and restore grace to their lives by reminding them of who they are, and helping them to push their edge through focused action to create what they want in life. She is a...
Do you know the smartest way to manage your withdrawals in retirement? In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, shares expert strategies for managing retirement withdrawals to ensure financial stability and tax efficiency. Larry covers essential steps for building a smart distribution plan, emphasizing pre-retirement planning and proactive wealth … Read More Read More
Doing Divorce Different A Podcast Guide to Doing Divorce Differently
In this episode of 'Doing Divorce Different,' Lesa welcomes financial expert Victoria Kirilloff, who shares her personal journey of escaping an abusive relationship and provides in-depth advice on maximizing spousal support during divorce. The discussion aims to empower women by addressing the importance of financial independence, understanding trauma bonds, and the value of proper financial planning during significant life transitions. Victoria also touches on the use of unique techniques like isochronic tones for personal healing and the critical role of building a supportive network.00:00 Introduction and Guest Welcome01:18 Victoria's Personal Journey06:31 Understanding Trauma Bonds11:07 Breaking Free and Seeking Help21:56 Maximizing Spousal Support33:05 Services and Closing RemarksVictoria Kirilloff, CDFA®, NCPM®, CDS®, was at a crossroads in a decade-long, financially entangled relationship that had turned toxic. To find her way out, she leveraged her background in financial analysis, creating the first Global Settlement Proposal and divorce report. This helped her and her partner reach a peaceful separation, sparking an idea: she could help others navigate divorce with financial clarity and empowerment.Victoria went on to found Divorce Analytics, a firm dedicated to making the financial side of divorce transparent and productive. By focusing on financial facts, she transforms divorce from a destructive process into one of empowerment.Victoria has also released a 9-part Divorce Planning Kit, available at DivorceAnalytics.com/shop. Along with her many financial licenses, she's a Certified Divorce Financial Analyst®, Certified Divorce Specialist®, and Nationally Certified Professional Mediator®.DIY Parenting Plan Coursehttps://linktr.ee/LesaKoskiMarrie Simpson's Metabolic Reset Functional Assessment Practitionerjjflizanes.com/lesa Core Wounds and Mindset CourseShark HP302 NeverChange Air PurifierShark Air PurifierFrowniesBiology of Belief by Bruce Lipton
The legal industry is evolving, and law firms are facing unprecedented challenges in recruiting and retaining top talent. In this episode of Life Unlimited, Larry Heller, CFP®, CDFA®, sits down with Shari Davidson, founder and president of On Balance Search Consultants, to explore the shifting dynamics of legal recruiting and career transitions. Shari brings over … Read More Read More
Imagine starting the year with a solid financial foundation.In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, will guide you through setting intentional and achievable goals using the SMART method. We'll explore how reflecting on 2024's financial accomplishments, no matter the size, can boost your confidence. Discover how writing down aspirations makes them more attainable, and how incremental progress, alongside addressing past financial challenges, can lead to a well-strategized financial journey.Our conversation doesn't stop at goal setting; we delve into streamlining your financial plans by consolidating retirement accounts and reviewing investment costs. Stay ahead of rising insurance expenses, and check to see if your coverage is both adequate and cost-effective. As tax season looms, proactive planning becomes essential, and with future episodes featuring estate planning attorneys, you'll be equipped to handle this often-overlooked aspect. And if you are financially thriving, maintaining well-being through clear goals and regular check-ins is crucial in the new year!Listen and Learn:Intentional Goal-Setting: Using SMART goals to build a strong financial foundation.Streamlining Financial Plans: Consolidating retirement accounts and reviewing investment costs.Proactive Tax Planning: Organizing tax documents early to avoid last-minute stress.Importance of Estate Planning: Tackling this essential step with expert advice.Maintaining Financial Well-Being: Regular check-ins and clear goals for financial success.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
Ever wondered how to embrace the holiday season with more joy and less stress?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® dives into the pressures of holiday obligations and the transformative power of letting go of perfection. Drawing from her own holiday experiences, including cherished traditions at Greenfield Village, Melissa shares how prioritizing joy can create a more fulfilling season.We explore how social media and personal standards fuel comparison, often leading to stress, and how shifting focus to what truly matters can change both your holidays and your financial mindset. The conversation highlights how women, in particular, can navigate added holiday expectations with grace and confidence.Beyond holiday traditions, we tackle how comparison impacts financial decisions and overall well-being. By embracing imperfection, you can not only manage holiday pressures but also apply these lessons to everyday life, including how you approach money and lifestyle choices.Listen and Learn:Finding Joy in Imperfection: Let go of comparison and embrace your unique journey.Prioritizing What Matters: How small changes can create a more meaningful holiday season.Navigating Financial Pressures: Insights on how comparison impacts financial decisions.Everyday Lessons from Holiday Experiences: Apply these strategies year-round to enhance well-being.Join us as we celebrate the beauty of imperfection and discover ways to make the holiday season—and life—a more joyful and fulfilling experience. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
Rhonda talks with Divorce Recovery Coach and Therapist, Dawn Wiggins about healing in a holistic way. It's a fascinating conversation about trauma and healing and how homeopathy can work to bring you back to your true self. Learn about: Mind / Body Connection How we store negative energy Homeopathic treatment methods There are resources to help you lift your energy levels [be sure to check out Dawn's journal - linked below] 21 Day Immersive Journal To get the journal for free, use the code: EMAILFRIENDS And be sure to grab Rhonda's new book: Bold Beginnings! About today's guest: Divorce recovery coach and therapist Dawn Wiggins helps people tear down their walls and build back their confidence. Challenging the status quo, she integrates multiple modalities from EMDR Therapy to EFT tapping, immersive journaling, and homeopathy, embracing remedies that heal both the mind and body. She is on a mission to deliver life-changing therapy in an accessible and affordable way, with the same enlightenment that happens in her office: part science, part essential oils, pure magic. She also has her own Podcast, Dear Divorce Diary, which has recently been ranked globally as a top 3% show. Connect with Dawn: Website: https://mycoachdawn.com/ Instagram: https://www.instagram.com/dawnwiggins/ Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence. For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.
Ever wondered how to navigate retirement planning with both financial security and personal fulfillment in mind?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar and author of How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Christine shares her approach to retirement planning, highlighting strategies like annuities, cash flow management, and balancing time-tested methods with innovative ideas. Gain insights into navigating retirement complexities with an open mind and a strategic outlook.We delve into managing retirement finances, including equity compensation, tax strategies, and post-retirement financial decisions. Christine provides actionable tips on handling restricted stock units (RSUs), Roth conversions, and optimizing portfolios based on risk tolerance and long-term goals. Generational lessons and past market experiences add valuable perspective.Christine also emphasizes balancing financial planning with personal fulfillment. Inspired by real-life stories, we discuss aligning work with passions, transitioning gradually into retirement, and making intentional choices for a meaningful future.Listen and Learn:Holistic Retirement Planning: Key strategies like annuities and cash flow management for financial stability.Smart Tax and Investment Moves: Tips on RSUs, Roth conversions, and portfolio optimization.Generational Insights: Lessons from past market downturns and diverse viewpoints.Purposeful Living: Align financial plans with personal passions for a fulfilling retirement.Join us for practical advice and inspiration to help you create a secure and meaningful retirement. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
What Financial Moves Should Women Prioritize as 2024 Comes to a Close?As the year winds down and the political landscape shifts under the anticipated policies of President Trump, Melissa Joy, CFP®, CDFA®, unpacks the key financial strategies women should focus on to optimize their year-end planning. With potential changes to tax policies—including adjustments to the standard deduction and estate tax limits—Melissa offers expert insights to help you navigate the complexities and prepare for a prosperous 2025.This episode dives into actionable tactics, from maximizing retirement contributions to making strategic property tax decisions, all aimed at setting a strong financial foundation. Additionally, Melissa explores innovative ways to maximize your charitable giving, leverage tax advantages, and celebrate your financial achievements during this reflective season.Key Takeaways:Navigating Potential Tax Changes: Understand how upcoming shifts in tax policies, including the standard deduction and estate tax limits, might impact your financial plans and what steps you can take now to stay ahead.Year-End Tax Optimization Tactics: Learn how to maximize your retirement contributions, make strategic decisions about property tax payments, and take advantage of key deductions before the year ends.Smart Charitable Giving Strategies:Explore the benefits of donor-advised funds and Qualified Charitable Distributions for retirees over 70½.Discover how to utilize the $17,000 annual gift tax exclusion to benefit loved ones.Consider gifting appreciated stock to reduce capital gains taxes while making a meaningful impact.Reflecting on Wins and Giving Back: Celebrate your financial achievements in 2024 and explore heartfelt ways to give during the holiday season that align with your values and goals.Whether you're preparing for changes in tax laws, planning your charitable contributions, or reflecting on your financial journey, this episode is filled with actionable tips to help you end the year strong and step into 2025 with confidence.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
Rhonda sits down with New Jersey attorneys, Sarah Jacobs and Jamie Berger. Sarah and Jamie's unique approach to law makes them disruptors in the divorce space. Listen in as they share their top tips for navigating a high conflict divorce. You'll learn: How to separate the conflict from your end goal. Find balance in making concessions Feel empowered rather than backed up against the wall 3 tips to successful negotiating Helpful apps mentioned in today's episode; DComply Our Family Wizard About today's guests: The Jacobs Berger team takes a forward-thinking approach to family and matrimonial law by focusing on each client's unique situation, needs and goals in order to de-stress the divorce process. This solution-oriented mentality helps avoid the scorched-earth approach so commonly seen (and encouraged) on TV. Located in Morristown, NJ, the Jacobs Berger team of attorneys have decades of combined experience helping families before, during and after the divorce process. Their areas of concentration include mediation, high-net-worth divorce, child custody and support, complex family structures, adoption, alimony and spousal support, family law appeals and navigating domestic violence issues. Connect with Sarah and Jamie: Website: https://jacobsberger.com/ Facebook: https://www.facebook.com/jacobsberger/ LinkedIn (firm): https://www.linkedin.com/company/jacobs-berger-llc/ LinkedIn (Sarah): https://www.linkedin.com/in/sarah-j-jacobs/ LinkedIn (Jamie): https://www.linkedin.com/in/jamie-berger-1168461a/ Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence. For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.
In this eye-opening episode of Divorce & Beyond, Susan Guthrie welcomes Amanda Singer, a family mediator, California-licensed attorney, CDFA, and founder of West Coast Family Mediation. Together, they explore the complexities of remarrying after divorce, a topic that has surprisingly never been covered on the show before. Whether you're already in a new relationship or still unsure about love after divorce, this conversation is packed with valuable insights that could reshape how you approach your next chapter. What You'll Discover in This Episode: Why remarrying after divorce requires unique emotional and financial preparation. The critical role of premarital mediation in fostering stronger partnerships. How prenuptial agreements can protect your future while building trust. Key considerations for blending families, including estate planning and alimony. Expert tips for navigating parenting dynamics in a new marriage. Take the guesswork out of remarrying with Amanda's expert advice! More About Our Special Guest, Amanda Singer: Amanda D. Singer, Esq., MDR, CDFA® is a professional family mediator and founder of West Coast Family Mediation. She is a California licensed attorney and Certified Divorce Financial Analyst. Amanda leads West Coast Family Mediation's team of mediators working with clients all throughout California to help families improve communication, solve problems and reach agreements while staying out of court. In addition to divorce mediation, Amanda has a focus and interest on premarital mediation as well as educating and training others on the benefits of premarital mediation. She was the past Vice President of the Academy of Professional Family Mediators and was the awardee of the 2022 APFM Outstanding Professional Family Mediator Award. Amanda lives in San Diego with her Husband, almost 1-year-old daughter, and rescue dog. They enjoy hiking, cooking and traveling. Website: http://westcoastfamilymediation.com Social Media: https://www.linkedin.com/company/west-coast-family-mediation-center/ https://www.instagram.com/westcoast_mediators/ https://www.facebook.com/westcoastfamilymediation https://x.com/Divorce_CA Make 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! ***************************************************************************** THANK YOU TO OUR SPONSORS: PARACHUTE HOME Going through a divorce is tough, and self-care can easily get overlooked. Something that helped me was creating a cozy space to relax. I found Parachute Home—bedding and home goods that bring real comfort. Imagine ending your day wrapped in the softest sheets or a warm blanket. If you're looking to add a bit of peace to your home, visit divorcebeyond.com/parachute. When you shop through my link, it supports the podcast, and I appreciate it. ***************** SUSAN'S BOOK: BUILDING THE PRACTICE OF YOUR DREAMS, ONE MONTH OF DAILY TIPS FOR FINDING SUCCESS Are you looking to build the practice of your dreams? Check out Building the Practice of Your Dreams: One Month of Daily Tips for Finding Success—the book that just hit #1 on the Amazon Kindle bestseller list for law firm marketing!
In this episode of A Wiser Retirement® Podcast, we're joined by Missie Beach, CFP®, CDFA®, to discuss the power of generosity and its impact on your finances. Together, we delve into strategies for making charitable giving both tax-efficient and meaningful. Discover how to maximize tax benefits through techniques like donating appreciated securities and utilizing donor-advised funds. We also discuss the advantages of bunching deductions and the power of qualified charitable distributions from IRAs for individuals over 70½. Tune in to gain valuable insights on how the act of giving can transform both your financial well-being and the lives of others.Related Podcast Episodes:- Ep 196: Your Year-End Financial Planning Checklist- Ep 190: Year-End Tax Moves: Planning Ahead for a Stress-Free Tax Season Related YouTube Videos:- Reduce Your Taxes and AGI by Giving to Charity- What is the best way to take your RMD?Learn More:- Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial success.- Access Our Free Guides: Gain valuable insights on topics such as why most financial plans fail, how to leave a financial legacy, 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!
Want to practice regenerative agriculture? Daniel Rath, Agricultural Soil Carbon Scientist at Natural Resources Defense Council recommends that you start by asking what you want to regenerate. Beneficial practices including integrating livestock, crop rotations, cover cropping, minimizing tillage, increasing diversity, improving soil health, adding organic matter, and reducing external inputs will vary site to site. A long-term study found that these practices improved above and below ground biodiversity, increased water storage and infiltration, bolstered resilience to climate change, increased carbon and organic matter storage, and, impressively improved human health. Listen to the end to learn how soil metagenomics has the potential to not only tell us what is living in the soil but how the organisms interact. Resources: 231: Stacking Regenerative Practices to Create a Healthy Vineyard Daniel Rath Daniel Rath on Google Scholar Daniel Rath on National Resources Defense Council (NRDC) Healthy Soils Playlist (podcast play list) NRDC Regenerative Agriculture 101 page Soil Biodiversity in California Agriculture What the Soil Can Teach Us | Daniel Rath | TEDxBelmopan Wine grape grower perceptions and attitudes about soil health Vineyard Team Programs: Juan Nevarez Memorial Scholarship - Donate SIP Certified – Show your care for the people and planet Sustainable Ag Expo – The premiere winegrowing event of the year Sustainable Winegrowing On-Demand (Western SARE) – Learn at your own pace Vineyard Team – Become a Member Get More Subscribe wherever you listen so you never miss an episode on the latest science and research with the Sustainable Winegrowing Podcast. Since 1994, Vineyard Team has been your resource for workshops and field demonstrations, research, and events dedicated to the stewardship of our natural resources. Learn more at www.vineyardteam.org. Transcript [00:00:00] Craig Macmillan: Our guest today is Daniel Rath. He is a soil scientist with the Natural Resources Defense Council. And today we're going to be talking about regenerative agriculture. Thanks for being on the podcast, Daniel. [00:00:10] Daniel Rath: Thanks a lot, Craig. I'm excited to be here. [00:00:13] Craig Macmillan: We've been trying to find folks to talk about regenerative agriculture because it's a real buzzword right now. [00:00:18] And it's a buzzword in the vineyard industry, but it's not vineyard specific. This is applying to all sectors of agriculture and globally. This is a big concept now. So that's inspiring and drawing a lot of people, uh, in different directions. But I get different definitions of it. What regenerative agriculture? [00:00:37] Daniel Rath: Well, first of all, I'll say it's not really surprising that you get a different definition depending on who you talk to because, you know, regenerative agriculture really hasn't been like very specifically defined yet the way I think about it. Part of the reason it's so hard to define is that it's really more of a philosophy and an approach to land management. [00:00:59] And so, you know, it's taking into acknowledgement the fact that agricultural systems have this complexity. And instead of trying to reduce that complexity, we lean into it. We see what advantages we can get from it. It's a holistic approach. You know, it doesn't just necessarily focus on the environmental impacts, but what are the social impacts? [00:01:18] What are the economic impacts of agricultural systems? Looking at things like local food systems and connecting farmers to consumers, but also how do we increase soil health? How do we reduce pests and diseases? It's funny. You should bring it up now. The state of California. Just finished a process in of defining regenerative agriculture for their legislative effort. [00:01:40] Craig Macmillan: Oh [00:01:41] Daniel Rath: Yeah, there's a draft definition out there have been numerous listening sessions The next one is on august 22nd, but I was part of that committee that tried to like Capture this sort of like ephemeral philosophy and like nail it down without hopefully killing it. [00:01:57] Craig Macmillan: Uh, and to put a timestamp, the date of this interview is August of 2024. [00:02:03] So this is new to that point. We'll see how that develops from here. Which is pretty cool, but no, I was not aware of that. That's pretty, pretty interesting. What are some of the specific practices somebody might use? So, philosophically, I'm in alignment. I want to build and protect my soil. I want to protect my community. [00:02:20] I want to have healthier plants. What are some of the techniques that folks are using around the world to do this? [00:02:26] Daniel Rath: Well, I will answer your question with a saying that my PhD advisor used to tell me every time I walked into her office, which was that, you know, what is your goal? What is the question that you're trying to ask, right? [00:02:37] Part of the reason that regenerative agriculture does not have one set definition is that it's going to look very different. different depending on where you are. A regenerative agricultural system in a place that is facing a lot of restrictions on water, low soil organic matter, the practices you use there are going to look very different than say if you have regenerative agriculture in a place that has regular rainfall, has a lot of soil organic matter, very active soils. [00:03:02] I would say that some of the most commonly mentioned practices are things like integrating livestock into perennial systems, cover crops, crop rotation, increasing the diversity on farm systems, reducing tillage, basically all of these practices that increase soil health, because really increasing soil health is at the the core of what it means to sort of regenerate a plot of land. [00:03:29] But if you're talking about specific practices, you kind of have to think like, well, what am I trying to regenerate? What are the goals that I want to get out of it? One other interesting topic is the idea of reducing external inputs, not eliminating them entirely, but reducing dependence on things like fertilizers and pesticides, seeing how a that can result in cost savings for farmers, but also Relying on the natural complexity of the system to provide those benefits. [00:03:58] Craig Macmillan: Yeah, that's always been one of the tenants of sustainable farming is to reduce the number of off farm inputs and reduce the number of farm outputs other than the crop, and that includes things like pollution, erosion, whatever, um, and try to develop a system that's stable in and of itself. Um, and it sounds like there's some things that can contribute to that. [00:04:18] Um, what about composting? That's another popular topic. [00:04:21] Daniel Rath: Composting, I forgot to mention that composting really adding organic matter to the soil. A lot of the systems that we've developed over the last few decades are very focused on adding nitrogen, which is important. Nitrogen is a really big limiting nutrient, but we've learned that adding nitrogen on its own is not enough. [00:04:38] You have to add carbon in there. You have to add other micronutrients that might not be contained in your typical fertilizer mixture. And so yeah, adding compost is a really great way adding organic matter residue crop. [00:04:53] Craig Macmillan: Again, the inclusion of animals seems to be, um, pretty consistent across different definitions, including mobile cropping systems. [00:05:00] In permanent crops that can be a little tricky. So like in vineyards, I have heard of folks that were grazing goats and sheep in season for the most part. Folks will plant a cover crop in the winter and then maybe they'll come through with some sheep or some goats in the springtime. I guess my question is, when I read other things and they talk about having animals as part of the system, I see like herds of cattle, which are generating a lot of manure. [00:05:25] And I can go, yeah, I, I bet that's doing a lot, but your smaller ruminants, in your opinion, I mean, can they contribute enough in a, in a, a seasonal, uh, past to, to make a difference? [00:05:39] Daniel Rath: Yeah, this, that's a really good point. I think the short answer is, yeah, I think they do. And so the example you gave is, I think the one I would have used, right, is that planting cover crops in between these sort of like, vines that are there for a long time, and then using ruminants to terminate those cover crops and to convert it into manure and urine, which was a great source of nitrogen. [00:06:00] When I was at UC Davis doing my PhD, we had a couple experiments on sheep terminating cover crops and goats terminating cover crops. And you could see the benefits in the soil, as long as you had those like livestock ruminants being on the plot. [00:06:15] Craig Macmillan: That leads to another question. You know, I've got the philosophy now. [00:06:19] I believe in the philosophy. I believe that I can actually improve the soils. One of the things I've always been a little suspicious of with regenerative agriculture is the idea of regeneration. I have a hard time kind of making sense of that in my mind in agricultural systems because things are leaving. [00:06:36] And certain crops are not big miners. Wine grapes are kind of famous for not really mining the soil that much and they can grow in very poor soils Doesn't mean you don't want to build those soils, but if I'm looking to detect what we would call regeneration, what kinds of Variables might I be looking at and what are the kinds of things that I might actually be able to get some metrics on? [00:07:00] Where I can say yes, this program seems to be working This is making a difference or I'm not seeing the results that I would like Maybe I should make a shift and try something different [00:07:09] Daniel Rath: Yeah, that's also a really good question. So I think there are actually two really interesting questions in what you just said. [00:07:15] The first one is, what do you measure? And again, it depends on your question, but very often the things that we will measure will be things like soil organic matter, right? We will be looking at measurements such as nutrient balance. So how much nitrogen is soil's organic matter, what are the nitrate and phosphorus levels in the soil for wine grapes? [00:07:36] I know you don't want it to be like too fertile because it is good to stress those grapes out a little bit to get a high quality product. You look at things like drainage and water storage. If you see better infiltration on plots, if you don't see water ponding quite as much. One thing that is becoming more common is tracking microbial indicators, right? [00:07:56] And so part of the reason that we do that is that microbes are like early indicators. They will change faster than the soil organic matter content. And so they can give you an idea of where you're headed and whether or not it's a direction you want to be heading in. I can, you know, apply to stuff like pest and disease too. [00:08:15] Craig Macmillan: This is a great one because I've been working on this for the last couple of years. What am I looking for? I, uh, there's a bunch of different tests that you can do. There's a bunch of different things you can look at. If I'm trying to get a sense of what's happening with the cell microbiome, what kind of testing might I be interested in doing? [00:08:30] What kinds of things might I specifically be looking for? [00:08:34] Daniel Rath: There have been a lot of advances in the last, you know, decade or so looking at this. One of the biggest areas that there have been advancements is tracking the incidence of pests and diseases, right? And so, you know, that is a really good one. If you're worried or, you know, concerned about a specific pest, there are often really good methods to test for that. [00:08:52] You can also be looking at biological tests that look at functions of interest. So say your goal is to reduce nitrogen application on your plot. There are measurements that you can make of nitrogen release from organic matter by microbes and that will give you a really good idea or, you know, a fairly good idea of maybe how much nitrogen this soil is already supplying. [00:09:17] California is also really interested in this. So another thing, there's a soil biodiversity report that came out about a year ago in which the CDFA asked us this very question. They were like, if we were going to measure soil biology across California for a number of different purposes, what would we do? [00:09:32] We had 15 scientists that have really been working on this for a long time. We all sat down and like, how do we capture the thought process and thinking that goes into this? into selecting the right microbial indicator because there are a lot of them and they're not all easy to interpret. [00:09:47] Craig Macmillan: Are those recommendations out there now? [00:09:49] Daniel Rath: I would say the, the report is out and in the report we, you, we have a couple examples. We're really hoping that the California Department of Food and Ag will sort of expand on those recommendations for more like, sort of like a targeted approach. Really what we did is we used that nitrogen example as an example. [00:10:10] It's like this is how you would do it, but really the devil is in the details. What is the specific area you're looking at? What is like the question you're looking to answer? The biodiverse report has at least like the thought process, what are the things you should be looking for? [00:10:25] Craig Macmillan: So we've been talking about kind of like more short term. [00:10:27] What about long term? You have some experience, I believe, in long term agricultural research. Like, I think you did a study that was like a 25 year retrospective, if you will, of the health of a particular farm. In the long term, in the longer range, What kinds of benefits should we expect? We've talked about pest and disease resistance, maybe water status. [00:10:51] What kinds of slow changes might we be looking for that we might see that would give us some confidence that this is working? [00:10:58] Daniel Rath: Sure. I mean, this is an example of why long term experiments are so great because. They're the only really way for us to get at this question. But you can expect things like improved biodiversity on, um, especially above ground biodiversity, below ground biodiversity. [00:11:15] That is a process that takes a long time. You can see things like improved water storage, improved water infiltration. You can see You know, if you're talking about the ultimate long term metric resilience, right, how do our agricultural systems respond to the climate changes that are already occurring and, you know, building that resilience means relying on this like complex biological network that really sustains our plants right now. [00:11:46] Increased carbon and organic matter storage is another really good one. And so, you know, over time you see all of these environmental benefits and along with that comes social benefits. We see improved human health. We see improved connectivity between farms and the communities nearby. Improved sort of farm worker health and safety. [00:12:07] All of these things are a little bit longer term, but they are all one of some of the goals and some of the benefits we see from regenerative systems. [00:12:16] Craig Macmillan: I want to drop back to one of the practices because I've talked about this quite a bit with folks. I want to get your take on it. No till or minimal till. [00:12:24] Or, uh, I talked to one person that said, uh, avoid excessive tillage. And the question that came back was, what the heck is that? What's excessive? You know, what, if I drag the disc through here one time, is that excessive? And this may apply to other crops that you've worked with. What role does tillage have in this process, in these systems? [00:12:45] Because one school of thought that I'm familiar with is, okay, we grow these cover crops, we terminate them with sheep, it's great, but we may still want to incorporate that material into the soil. So that it breaks down and gets in there. Then there's another school of thought that says, No, don't do that. [00:13:03] Don't touch it. Leave it alone. Let the system do what it normally does. And then there's a third school of thought that's like, well, I can't do that forever. Floors get too bumpy. Um, things need to be reset. Or I need to plant cover crops. So I need to set a seed bed. And again, you can draw from other cropping systems on this. [00:13:21] What is your feelings about the effect of tillage on the soil microbiome and soil health discrimination? [00:13:26] Daniel Rath: No, no till has been a really hot topic for quite a while. It came about when the NRCS was first started looking to reduce the impacts of a dust bowl and realizing that tillage was over tillage was a major cause of that. [00:13:41] And so when you are looking at no tillage, there are very clear benefits. There's increased plant root presence, decreased erosion, better soil structure formation, a potential for better infiltration. But you have to wear that against the. benefits of tillage. I mean, it has very clear benefits too. It helps to keep weed and pest populations under control. [00:14:03] It makes it a little bit easier, especially in annual cropping systems for roots to establish. Like you said precisely, it's a better way for incorporating organic matter into the soil. My point of view is that I think tillage is a valuable tool in the farmer's toolbox, right? And that what is over tillage is going to really depend on where you are. [00:14:24] If you're on a slope, probably less tillage is better because again, you don't want that top soil to be washed off. If you're on sort of like a flat plain and you know, you know, you're tilling to establish a crop, then it's probably not a big deal to have one or two tillage passes, at least from the erosion standpoint. [00:14:41] What we do know is that no till has also been recommended as a way to increase soil carbon. There's still, I think, a little bit of back and forth on that. At least we have seen is that no till increases soil carbon at the top. Part of the soil really doesn't increase at the bottom. So it's more of a redistribution of carbon again There are really clear benefits to tillage and you know There's a reason that people have been doing it for a long time [00:15:07] Craig Macmillan: kind of what I'm hearing I think this is a really great message is it's another tool. [00:15:11] It's a tool that we don't have to throw away But it is one that we should think about how we use it. I've, I've actually started to think about tillage the same way I think about, uh, pesticides and fertilizers. Where it's, it's a question of what benefit am I going to get from this? Do I need to do it? [00:15:28] Are there other things that I could do? And then you put that all into your calculator in your brain and, and try to sort it out. And I've had some very interesting conversations as how different people kind of sorted those things out. So I think that's a great point. That leads me to another question that I just thought of. [00:15:42] And so the role of synthetic fertilizers, for instance. The synthetic fertilizers have been pointed to, and I think accurately so, as driving land degradation in many cases, especially the overuse of nitrate based fertilizers. You also have environmental impacts in terms of pollution, potentially. Is there a role for conventional fertilizers in regenerative agriculture? [00:16:05] Daniel Rath: Yeah, well, that's a real hot button topic there. Yeah. [00:16:10] Craig Macmillan: Hey, we go, we go for deep water on the show. Inquiring minds want to know. Hey, [00:16:16] Daniel Rath: that's, that's a real good question. Honestly, that's a question that I has been taking up a lot of my professional time recently. Like you said, it's not a secret. We are seeing a lot of negative environmental impacts from Over application of fertilizers that includes nitrate pollution in groundwater that applies to pesticides as well. [00:16:36] You know neonic pesticides have had major problems with insect populations. I think that exactly What you said you need to sort of weigh the costs and benefits Of these like particular practices and you know In my work in my phd talking to farmers the sort of farmer calculus that occurs in like You know, in the minds of the folks that I work with is so complex. [00:17:00] There are so many factors that you have to balance. One thing to be aware of is that we are applying too much nitrogen fertilizer now, and that's pretty clear from like the negative environmental impacts that we've seen. And so it's less of an idea of like. Like how do we eliminate nitrogen fertilizer and more like how do we make sure that that fertilizer gets into the plant? [00:17:23] You know, how do we match that fertilizer application to what the plant actually needs instead of over applying, right? How do we keep it on the plot? Because it is expensive. No one wants it to be running off into the environment, [00:17:36] Craig Macmillan: right? [00:17:37] Daniel Rath: One of the things that has really come across to us is when we talk to folks about nitrogen fertilizer application, there are yield benefits, but very often it's also a risk management strategy. [00:17:50] You want to apply enough nitrogen fertilizer so that if conditions are ideal, you can take advantage of them. Really and truly, there have got to be better, less environmentally intensive solutions. impactful risk management strategies. You know, that includes looking at the way that we incentivize crops, looking at the way that we handle crop insurance, looking at the crop choices. [00:18:13] If you're in a area that has a lot of potential for agricultural runoff, it may be better to grow crops that do not require as much nitrogen, corn is very greedy, or to put systems in place that reduce that nitrogen runoff, cover cropping, riparian buffers, All of these things are like great ideas to get to the underlying goal, which is reducing the need for nitrogen fertilizer. [00:18:39] Craig Macmillan: That's perfect. Gosh, we just keep getting more variables, don't we? [00:18:42] Daniel Rath: Oh my gosh, I assure you that's [00:18:46] Craig Macmillan: And speaking of more variables, I want to switch topics now. This is great, background graded by some regenerative agriculture. I know that I now have a better sense of what the philosophy and the practices are. [00:18:56] However, you've also worked in the area of soil metagenomics and metagenomes. And this has come up in other interviews that I've done around soil health with soil microbiologists. What is soil microgenomics and where are we at and where are we going and what can we do with this and what's all the exciting stuff coming down the pipeline? [00:19:19] But first of all, what, what is it? [00:19:21] Daniel Rath: When you talk about soil metagenomics, in a teaspoon of soil, I'm sure you've heard the statistics somewhere, right? In a teaspoon of soil, there's like a billion microbes and like so much fungal hyphae. And inside each one of those cells is DNA. That are basically the instructions for life for those different cells. [00:19:40] What we do in soil metagenomics is that you extract the DNA from a soil sample. And then the most complex, insane puzzle you've ever seen. We try to reassemble them, right? Right. And so like that is only possible because of the advances we've made in computing over the last few decades. And I get, you know, the national labs have really like pushes forward. [00:20:03] You need a really powerful supercomputer to do it. Once you've done that, you have this sort of unprecedented ability to glimpse what is happening in the soil at a scale that we've never been able to before. And so that's part of the reason that people are really excited about it is because it gives us a window into like this. [00:20:24] previously unknown black box of how microbes work and interact in the soil. I worked on that during my PhD at UC Davis, looking at like how metagenomes changed in farming systems over 25 years. [00:20:37] Craig Macmillan: So I have always been looking for the work that I do, looking for what are the variables that I can measure and what's going to give me a number that's going to tell me what's going on. [00:20:46] At one point I hit upon soil respiration, and I was talking to a soil ecologist and she said, well that's fine, but that tells you how much life is there, but it doesn't tell you whether it's good guys or bad guys. And then dove in to a whole nother level of, Oh yeah, I hadn't thought about, oh yeah, you're right. [00:21:05] Oh, and then those guys prey on those guys, and then this happens over here. Oh wow, yeah, you're right. And then I got kind of hooked on the um, The Haney test, which is, I think, kind of falling out of fashion now, which again, people were throwing rocks at that, you know, and I think that when Haney first came up with that, that was something, it was like, we need something, and it would prove to be useful, I think, but I don't think that's as popular or gives us the kind of dimension that we really need anymore, at least that's what I'm told. [00:21:34] With metagenomics, we're going to be able to tell not simply quantities, but we're going to be able to tell possibly down to the level of genus, maybe even species of who's, who's down there, which could be really, really important because like pseudomonas, for instance, there's certain pseudomonas that are, um, pathogenic and there's others that are beneficial. [00:21:56] And so we kind of need to figure out who's who and what's what is, is that on the horizon? Maybe it's 10 years out or more, but is that on the horizon? [00:22:04] Daniel Rath: Probably a little further out than that. A [00:22:06] Craig Macmillan: little further out? Okay. [00:22:07] Daniel Rath: I'll try and give you an example here. So, one of the things that we get when we pull out all this DNA is we get sort of relative abundances of different types of organisms, right? [00:22:18] It's sometimes quite difficult to get to the absolute abundance of organisms because We're really looking at, like, proportions of DNA, but that doesn't really tell you, like, are there, like, massive amounts of this organism present in the soil. You just have a relative idea. When it comes to metagenomics, there's a lot of promise in being able to say, Oh, look, we've seen these genes that, like, allow you to fix nitrogen. [00:22:43] And we found these genes that are associated with these, like, pests. And that's a really good idea, a really good indicator of, like, But there's another level to it. And that's really, I think what one of the like exciting parts is, is that it's not just the genetic potential that matters. It's the interactions between organisms that is quite hard to pull out. [00:23:05] So to your example, you could have pseudomonas, you could have quite high levels of pseudomonas. Do you have a. predator that keeps those pseudomonas populations under control, right? Because if you do, then you might not be seeing a lot of disease, like presence in the soil, even though you have like relatively high amounts of it. [00:23:25] And so understanding these interactions is sort of the next level in actually getting practical, actionable information out of these metagenomes. And we're, we're still. Teasing that apart. So really, when I talk about metagenomes, it's about potential. What is the potential for things to happen? But it does not actually mean that is what is going to happen. [00:23:46] Craig Macmillan: Right, exactly. And so the commercialization of this technology is quite a ways out. [00:23:51] Daniel Rath: Yeah. I mean, there are companies that are working on it right now. Again, this, it's a, this innovation is really, we're going to need to like be iterating towards success here, but really a lot more sort of research and work is required, especially on these interactions, thinking about like how they fit together. [00:24:10] And I personally think that it's a useful indicator. I've given a talk on these like. Soil test before the real power hard part comes when you're trying to interpret right when you have a scale that says like based on these abundances There's X percent chance that you will have a disease or X percent chance that you will be able to cycle nitrogen better That's really hard to like say at this point in my opinion, [00:24:35] Craig Macmillan: right? [00:24:35] Right. Well, at least we're moving in the right direction. I think [00:24:37] Daniel Rath: we absolutely are and honestly The, the best thing to compare metagenome test is your own soil five years ago. It gives you an unprecedented look into how your soil has changed and progressed depending on whatever practices you've applied. [00:24:51] Craig Macmillan: Right, right. Going back to regenerative agriculture, is there one thing, piece of advice, idea, one thing that you would like growers to take away on this topic? [00:25:02] Daniel Rath: Yeah, I think that one main thing is that this is not just about one specific environmental impact. This is about thinking about how we farm, how we grow food, what is our relationship To both farm ecosystems and agricultural ecosystems. [00:25:21] You know, I think there's this idea that natural ecosystems and agricultural ecosystems, they cannot coexist. And I think that over time we're starting to see that maybe that's not true. We can encourage biodiversity. We can encourage sort of these complex natural processes on farms. And indeed they make the farms more resilient. [00:25:41] more productive, we get more benefits from that. And so just in a way that like natural ecosystems evolve, I think that farming systems are also evolving and growing. And to us, regenerative agriculture is about bringing all farmers, no matter where they are, along on this journey towards sort of more sustainable, environmentally safe agro ecosystems. [00:26:05] Craig Macmillan: That's exactly the word I was going to use, is uh, is we think more about an agroecosystem as part of a much larger system, um, which is what ecology is kind of all about. We can look at the ecology of a pond, but then we can also look at what role that pond plays in the forest, and we can look at how the forest plays in the landscape and we can just keep going depending on what level you want to do it at. [00:26:27] And I think looking at our farms as part of a larger ecological system and an ecological system in and of itself also I think is a huge philosophical move. Absolutely right. Where can people find out more about you? [00:26:39] Daniel Rath: The NRDC website is a great place to start. We have a number of different resources. We published a report on regenerative agriculture where we interviewed farmers from across the U S at least for California specific stuff. [00:26:50] The California department of food and agriculture, again, is, has this regenerative agriculture definition process that's being carried out. As of this date in August, 2024, I also have a personal website that I update infrequently. [00:27:04] Craig Macmillan: Well, there's something on there. Yeah. So, yeah, and if you can share those links with us, that would be fantastic. [00:27:10] Our guest today has been Daniel Rath. He is a soil scientist with the Natural Resources Defense Council. Thanks for being on the podcast, Daniel. [00:27:18] Daniel Rath: Hey, absolutely. It's been quite a pleasure, Craig. Nearly perfect transcription by Descript
Today, I have the privilege of speaking with Gina Phillips, a certified divorce financial analyst and the owner of WNY Divorce Financial Advisors, LLC. Gina has dedicated her career to guiding individuals through the often overwhelming financial decisions that accompany divorce, armed with the unique insight gained from her own experience of navigating a divorce.Gina's goal is to empower her clients by giving them the knowledge necessary to make informed financial choices. She emphasizes the importance of understanding the different types of assets involved in settlements, and we discuss the options available in the financial aspects of divorce. Having started her business in 2017, she uses her platform to help others avoid the financial pitfalls she once faced. During the episode, Gina shares practical advice, including ten essential tips for those at the beginning stages of divorce.The conversation also includes a discussion on balancing new responsibilities, educating oneself about state-specific divorce laws, and the opportunities in remote work that allow a better work-life balance, especially for parents with children.Through a blend of personal anecdotes and professional expertise, this episode is an informative guide for anyone facing the financial challenges of divorce. Gina makes it easy to understand the importance of having the knowledge you need to make decisions in your best interest. About 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: https://www.wnydivorcefinancial.com/ebook.phpTo connect with Gina:Facebook https://www.facebook.com/wnydivorcefinancial/ Linkedin https://www.linkedin.com/in/gina-phillips/ YouTube https://www.youtube.com/@wnydivorcefinancialadvisor41About 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 -...
Passion Fuels Purpose What if the key to unlocking your potential lies in discovering your passion? In this episode, we chat with Stacy Francis about how discovering your passion can shape your life's journey and the importance of staying open to opportunities, allowing you to learn, adapt, and keep moving forward. Stacy Francis is the President and CEO of Francis Financial, a fee-only wealth management firm specializing in financial planning and divorce financial planning. With over 20 years of experience, she holds the CFP®, CDFA®, and CESTM designations. Stacy is also the founder of Savvy Ladies™, a nonprofit empowering women to take control of their finances. A nationally-recognized financial expert, she serves on CNBC's Digital Financial Advisor Council and the Forbes Finance Council, and contributes to The Wall Street Journal. Stacy is the host of the Financially Ever After podcast and author of Financial Help for Widows and the white paper Unveiling the Unspoken Truth: The Financial Challenges Women Face During and After Divorce. In her free time, Stacy enjoys indoor skydiving with her daughter. Kristine Delano guides the conversation on how being intentional and brave about your passions leads to out of the box thinking and opportunities for growth. Follow on Instagram kristine.delano.writer Visit www.womeninetfs.com to find additional support in the ETF industry. Go to www.kristinedelano.com for your Thrive Guide: a compilation of the most requested and insightful advice from our guests on Leadership and Advancement. Episode References: Savvy Ladies Money Circles
Andy chats with fellow retirement planner Jamie Lima, CFP®, CDFA from Woodson Wealth Management and Allegiant Divorce Solutions. In this episode they talk about a wide array of retirement planning topics such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to know when people have enough to retire, what consumers often overlook in retirement planning and much more! Also, Jamie interjects his experience and knowledge around divorce-related matters in the retirement and financial planning processes.Links in this episode:Jamie's advisory company website - Woodson Wealth ManagementJamie's divorce planning company website - Allegiant Divorce SolutionJamie's podcast - Broke Up, Not Broke(n)FINRA's BrokerCheck - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com
© 2020-2025 Ivy Podcast Discovery LLC
