Podcasts about cdfa

COSTLY MISTAKES RELOCATING TOO QUICKLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Relocating in retirement can be exciting, but moving without proper research can turn into a costly mistake. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the risks of relocating too quickly—and how to make sure your next move supports both your lifestyle and your financial goals. Full Description A new home in retirement often represents more than just a change of address. For many, relocation symbolizes freedom, fresh opportunities, or a chance to be closer to family. Yet without careful planning, the dream move can bring unexpected expenses and regrets. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the common pitfalls of relocating without enough research. They explain how factors like cost of living, property taxes, healthcare access, and state tax laws can have a lasting impact on financial security. Even small differences—such as insurance costs or utility bills—can add up over the years and strain a retirement budget. Listeners will also learn why lifestyle factors matter as much as financial ones. A move to a warmer climate may seem ideal, but access to quality healthcare, transportation, and social networks is equally important. Sandy and Tyler share real-world examples of clients who reconsidered relocation plans after evaluating these details. The key takeaway is that relocation should never be a snap decision. By running the numbers, visiting multiple times, and discussing long-term goals with a financial planner, retirees can ensure their move enhances rather than hinders their retirement. At BWFA, we help clients weigh the financial and lifestyle implications of relocation. This episode offers practical strategies to avoid surprises and make relocation a positive step forward. For more guidance, visit BWFA's Financial Planning Services.

Retirement planning for Northwell Health employees involves understanding a range of unique benefits and making strategic financial decisions. Many employees across all tiers and roles are unsure how these pieces fit together as they approach retirement. In this episode, Larry Heller, CFP®, CDFA®, speaks with Belinda Tsui, CFP®, about how strategic planning can help employees … Read More Read More

In this episode, Alex Richani, CFP® and Vic Colella, CFP®, CDFA®, continue their Woodward vs. the Machine series—where they put questions generated by ChatGPT to the test and use them as springboards for real-world financial conversations.The episode is a reminder that good financial planning isn't just about investment. It's about determining clear goals and managing risks that would derail your progress so that you get the most life out of your money.If you have suggestions for episode topics or would like to give us feedback, we would love to hear from you! Please email us at podcast@woodwardadvisors.com.

COSTLY MISTAKES THE REALITY OF CREDIT MISUSE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Credit cards are convenient, but without careful management, they can become a financial trap. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss how misusing credit cards impacts long-term financial health—and share strategies for avoiding costly mistakes. Full Description Credit cards offer convenience, rewards, and short-term flexibility. Yet for many, they also become a source of debt and financial stress. High interest rates, overspending, and missed payments can quickly add up, making it harder to save, invest, or plan for retirement. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., and Tyler Kluge discuss the hidden risks of mismanaging credit cards. They explain how carrying balances month after month erodes wealth and why relying on credit for everyday expenses creates long-term challenges. The conversation also covers the impact of late payments on credit scores and how that can affect borrowing costs in the future. Listeners will learn practical strategies for using credit responsibly. Sandy and Tyler share insights on how to avoid common traps, such as making only minimum payments or applying for too many cards at once. They also highlight the importance of budgeting, paying balances in full, and using rewards programs wisely. The key message is that credit cards are not inherently bad—they simply require discipline. With thoughtful use, they can provide flexibility and even benefits. Without discipline, they can derail savings goals and put your financial security at risk. At BWFA, we help clients make informed decisions about debt, savings, and long-term planning. This episode offers actionable advice to help you avoid the pitfalls of mismanaging credit cards and build a stronger financial foundation. For more financial planning resources, visit BWFA's Financial Planning Services.

COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.

COSTLY MISTAKES HOW TO AVOID RUNNING OUT TOO SOON FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Spending too quickly in retirement can drain savings and create stress later in life. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the “retirement spending trap” and share strategies to make sure your money lasts as long as you do. Full DescriptionRetirement should be a time to enjoy the results of years of saving and planning. Yet many retirees fall into the spending trap—using their nest egg too quickly in the early years. What feels comfortable in the moment may create long-term financial pressure, especially as healthcare costs rise and lifespans extend. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the importance of pacing withdrawals. They explain how lifestyle choices, travel, and large purchases in the first decade of retirement can have ripple effects decades later. The conversation also highlights why required minimum distributions and tax considerations should factor into withdrawal strategies. Listeners will learn how to develop a sustainable spending plan that aligns with both current lifestyle desires and future needs. Sandy and Tyler share examples of clients who adjusted their spending pace to preserve financial flexibility while still enjoying retirement. They also emphasize the role of professional planning in stress-testing different scenarios to ensure confidence throughout retirement. The retirement spending trap isn't about avoiding enjoyment—it's about making thoughtful choices that balance today's lifestyle with tomorrow's security. By slowing down spending in the early years and reviewing your plan regularly, you can maintain peace of mind while protecting your financial legacy. For more guidance, visit BWFA's Financial Planning Services.

COSTLY MISTAKES SPENDING BONUSES THE WRONG WAY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Year-end bonuses can provide a big financial boost, but without a plan, extra income often disappears quickly. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why “blowing your bonus” is a costly mistake—and how to turn windfalls into long-term opportunity. Full Description Receiving a bonus feels rewarding. It can be tempting to celebrate with a big purchase, upgrade, or vacation. But when bonuses are spent too quickly, they fail to create lasting financial impact. Instead of building wealth, they disappear into short-term lifestyle choices. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the common mistake of “blowing your bonus.” They explain how treating bonuses like “found money” often leads to spending that doesn't align with long-term goals. The conversation highlights how extra income, when used wisely, can accelerate savings, pay down debt, or strengthen retirement plans. Listeners will hear practical strategies for putting bonuses to work. Sandy and Tyler share how dividing bonuses into buckets—such as savings, debt reduction, and enjoyment—creates balance between financial progress and personal reward. They also discuss how ignoring tax implications can lead to surprises, and why planning ahead ensures that a bonus creates lasting value. The key takeaway: bonuses are opportunities, not guarantees. By planning in advance, individuals can avoid the costly mistake of spending without intention. Even small steps—like contributing to retirement accounts, funding emergency savings, or investing for growth—can have an outsized impact when applied consistently. At BWFA, we help clients integrate windfalls like bonuses into their broader financial plans. This episode shows how a thoughtful approach can turn extra income into meaningful progress toward long-term goals. For more insights, visit BWFA's Financial Planning Services.

In this insightful episode, Rhonda sits down with Georgia-based attorney and author Bree Sullivan-Howell to unpack the emotional and legal realities of navigating divorce. From keeping your strategy private to the power of preparation, this conversation offers clear, actionable guidance for women in the thick of the process. Bree shares hard-earned wisdom on: Why empowering clients with homework is key to long-term confidence How oversharing—even with friends—can hurt your case The emotional traps to avoid when communicating with your ex How to prepare for court with clarity, calm, and compelling evidence Why being "the voice of reason" in court is often your best legal strategy How to build and protect your inner circle during this pivotal time The underestimated power of silence—and when to use it You'll also hear faith-based encouragement and a few of Bree's favorite quotes and verses that have carried her—and her clients—through the toughest chapters.

Year-end tax season doesn't have to catch you off guard. With the latest tax law updates now in effect, there are new windows of opportunity, but also new limitations, especially for high-income earners and business owners. In this episode, Larry Heller, CFP®, CDFA®, sits down with Jonathan Niyazov, CPA, to unpack how the 2025 tax … Read More Read More

COSTLY MISTAKES SELLING IN A DOWN MARKET FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS   with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Selling investments during a market downturn can feel like the safe move—but it's often the most costly. In this episode, BWFA's Sandy Hornor and Tyler Kluge explain why timing the market rarely works, and how emotional decisions can derail your long-term financial plan. Full Description When markets fall, fear often takes over. Investors may feel pressure to sell their holdings to “avoid more losses,” but history shows that this reaction usually does more harm than good. Selling in a down market not only locks in losses—it also prevents investors from benefiting when markets rebound. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge discuss why selling during downturns is one of the most damaging financial mistakes investors make. They explain how emotional reactions, rather than strategy, often drive poor timing decisions. Once investors move to cash, they face two nearly impossible tasks: deciding when to sell and when to get back in. Missing even a few of the market's best days—many of which occur during volatile periods—can set back long-term growth significantly. Sandy and Tyler share practical strategies to help listeners avoid panic-driven decisions. They emphasize the importance of planning, understanding risk tolerance, and aligning investments with short-, mid-, and long-term needs. They also explain how diversifying portfolios and allocating funds to conservative assets can provide stability during volatile times. A key takeaway: volatility is temporary, but your goals are not. By sticking with a well-structured plan and working with a trusted advisor, you can stay focused on what you can control and weather downturns with confidence. At BWFA, we help clients design portfolios that can endure market cycles without jeopardizing long-term goals. This episode offers perspective, reassurance, and a steady reminder to stay the course. For more insights, visit BWFA's Investment Management Services.

In this episode of the A Wiser Retirement® Podcast, Shawna Theriault, CFP®, CPA, CDFA®, and Estate Planning Attorney Arun Gupta discuss a real-life story that shows how one overlooked detail can lead to heartbreaking consequences for a family.Related Podcast Episodes: Ep 295: What Happens If You Die Without a Will? The Legal NightmareEp 279: What Should Parents of Children with Disabilities Know About Estate Planning?Ep 233: How Second Marriages and Blended Families Impact Estate PlanningRelated Financial Education Videos:Prevent Family Conflict with Legacy Planning Does inheritance count as income? Other Links:AG LawLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

COSTLY MISTAKES WHY SAVING TOO LITTLE HURTS LATER FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Saving may appear simple, but many individuals underestimate the actual amount they'll require for retirement. In this episode, BWFA's Sandy Hornor and Tyler Kluge delve into the reasons behind insufficient savings and highlight it as one of the most expensive financial blunders. They also provide actionable steps to help you catch up. Full Description Retirement often arrives sooner than expected—and for many, the biggest regret isn't market losses, but simply not saving enough. While most people know they should save, few realize how quickly expenses grow and how inflation can double the cost of living every 20 years. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge break down the realities of under-saving. They explain why retirement “sneaks up” faster than most expect, and how even diligent savers can fall short without a clear plan. The discussion emphasizes the importance of starting early, automating savings, and increasing contributions over time. Sandy and Tyler also highlight the math behind compounding and inflation. A 7% annual return doubles a portfolio roughly every 10 years—but costs double about every 20. The earlier you start, the more power compounding has to work in your favor. For those starting late, they share realistic steps to catch up, such as boosting savings rates, maximizing employer plans, and aligning investments to long-term goals. The conversation wraps with a reminder that successful retirement planning isn't about reacting to markets—it's about integrating all aspects of wealth management. At BWFA, our comprehensive approach includes investment management, financial planning, tax strategy, and estate planning to ensure all parts of your plan work together. If you're wondering whether you're saving enough—or worried you're behind—it's never too late to take control of your future. For more insights, visit BWFA's Financial Planning Services.

USDA and CDFA team up to strengthen local farms, expand markets, and bring more CA GROWN foods to communities statewide.

Advocacy groups sue the state agriculture department over withheld outbreak data while officials report ongoing bird flu quarantines.

Julie Johnson, Financial Advisor, CDFA®, Financial Literacy Educator joins Enterprise Radio. Julie shares three key must-knows for 2026 – empowering entrepreneurs at any level … Read more The post Entrepreneurs and Financial Planning: Three Key Must-Knows for 2026 appeared first on Top Entrepreneurs Podcast | Enterprise Podcast Network.

COSTLY MISTAKES NOT HAVING ESTATE PLANNING DOCUMENTS FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Estate planning isn't only for the wealthy. Without the right documents, families may face legal challenges, financial stress, and uncertainty. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why putting off estate planning is a costly mistake, and how to avoid it. Full Description Estate planning is often misunderstood. Many assume it's only necessary for people with large estates, but in reality, nearly everyone benefits from having key documents in place. A lack of planning can leave families unprepared, force courts to make critical decisions, and create unnecessary stress during already difficult times. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the risks of not having essential estate planning documents. They explain the role of wills, powers of attorney, and healthcare directives in ensuring that your wishes are carried out. They also highlight how trusts can provide structure for transferring assets, minimizing disputes, and reducing costs for loved ones. Listeners will hear stories of families caught unprepared because estate documents weren't updated—or never created. Sandy and Tyler emphasize that estate planning is not a one-time task. It must evolve with changes in family circumstances, financial situations, and state or federal laws. The episode also explores the emotional benefits of planning. Having documents in place allows families to focus on care and connection instead of conflict and confusion. It's not just about money; it's about protecting the people and priorities that matter most. At BWFA, we work with clients to review and update estate planning as part of a comprehensive financial strategy. This episode highlights why it's important to act now rather than wait until it's too late. For more information, visit BWFA's Financial Planning Services.

If you are going through a divorce, everyone and their brother are probably giving you advice. Some advice is good, but a lot of advice is BAD. My guest in this episode is Financial Divorce Coach, Hirsch Serman, CDFA®, and Hirsch and I talk about some BAD divorce advice you might hear. We also offer GOOD advice! 

Thinking about divorce mediation? Before you walk into the room, ask yourself one question: What exactly are you mediating if you don't even know what you have? In this episode of Divorce Explored, Karen Chellew (Legal Liaison) and Catherine Shanahan, CDFA® (Certified Divorce Financial Analyst) from My Divorce Solution reveal the most common — and most costly — mistake they see every week: people going into mediation without complete, verified financial information. They'll show you why financial clarity is the strategy, and why mediation is just a tool. What You'll Learn: ✅ Why “just mediating to get it over with” can cost you thousands later ✅ The real difference between asset division and spousal support ✅ How a “55/45 split” can be misleading (and not actually in your favor) ✅ How to avoid the pressure of signing after 10+ hours at the table ✅ When to say “I'm not ready” — and why that's your legal right ✅ How the MDS Financial Portrait™ prepares you for mediation with facts, not fear. Before You Mediate: 1) Verify all assets and debts (not just what someone says out loud) 2) Confirm income for both parties 3) Know your realistic support range 4) Review property division scenarios 5) Identify your non-negotiables 6) Get your MDS Financial Portrait™ to organize it all About My Divorce Solution: Founded by Karen Chellew and Catherine Shanahan, CDFA®, My Divorce Solution has helped over 15,000 families navigate divorce with financial confidence and clarity, saving over $1M in legal costs using their signature process — the MDS Financial Portrait™ Start with their free Financial Assessment, then get your verified Financial Portrait™ to walk into mediation empowered, informed, and prepared.

In this episode of the A Wiser Retirement® Podcast, Shawna Theriault, CFP®, CPA, CDFA®, and William Medcalf, CFP® discuss how year-end is the perfect time to be strategic with charitable giving. They explore smarter ways to give, instead of just writing a check, to reduce your tax burden. Related Podcast Episodes: Ep 307: Unlocking the Power of Trusts: 10 Different Trusts & How to Use ThemEp 180: How does a Charitable Trust work?Ep 190: Year-End Tax Moves: Planning Ahead for a Stress-Free Tax Season with Jordan Sute Norton, CPARelated Financial Education Videos:What is a charitable remainder trust (CRT)? Reduce Your Taxes and AGI by Giving to Charity Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

COSTLY MISTAKES THE DOWNSIDES OF EARLY PAYOFF FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode For many homeowners, paying off the mortgage feels like the ultimate financial milestone. But doing it too early can sometimes create unintended consequences. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why paying off your mortgage may not always be the best move in retirement. Full Description Owning a home free and clear is a common financial goal. It provides emotional satisfaction, eliminates a major monthly bill, and can feel like the ultimate symbol of financial security. Yet for retirees, rushing to pay off a mortgage can be a costly mistake if it disrupts cash flow or limits investment opportunities. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the trade-offs of using retirement funds to eliminate mortgage debt. They explain how withdrawing large sums to pay off a loan can trigger higher taxes, reduce liquidity, and leave less money invested for growth. While debt-free living has its appeal, it may not always align with long-term financial health. Listeners will hear why context matters—interest rates, tax brackets, and income sources all play a role in whether paying off a mortgage makes sense. Sandy and Tyler share examples of retirees who balanced a modest mortgage with strong investment growth, ultimately ending up with more flexibility and wealth than if they had paid off the loan immediately. The key lesson is that mortgage decisions should be made within the larger framework of a retirement plan. By weighing both the financial and emotional aspects, retirees can choose the approach that provides confidence today while protecting future stability. For more guidance, visit BWFA's Financial Planning Services.

A $15 million California alliance is speeding farm innovation from lab to field.

If you are thinking about divorce or going through one, or even if you are already divorced, you can benefit so much from this episode! My guests are financial advisors, Pete Mullins, CDFA® and Lauren Connelly, and we talk about the importance of having a budget and a financial plan. It's not as complicated as you think! 

COSTLY MISTAKES WHEN LIFE INSURANCE FALLS SHORT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Life insurance is meant to provide peace of mind and protection for loved ones, but many people discover too late that their coverage is inadequate. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain how to avoid this costly mistake and ensure your family's future is secure. Full Description Life insurance often gets purchased early in a career and then left unchanged for years. While the policy may have been sufficient at the time, family needs, debts, and income can change dramatically. Too often, people only realize their coverage is lacking when a major event occurs, leaving loved ones financially vulnerable. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the risks of inadequate life insurance. They discuss why many policies fall short and how factors like inflation, rising expenses, and lifestyle changes can quickly make an old policy outdated. The hosts also examine the difference between term and permanent coverage, stressing the importance of matching insurance to your goals. Listeners will learn how to evaluate whether their current coverage truly protects dependents, pays off debts, and replaces income if the unexpected happens. Sandy and Tyler share examples of clients who reassessed their needs and adjusted policies to better align with family and financial goals. The takeaway is simple: life insurance is not a one-time decision. It should evolve with your circumstances. By reviewing coverage regularly and working with a professional, you can help ensure that your plan provides the right level of protection—now and in the future. For more guidance, visit BWFA's Financial Planning Services.

The October 22 edition of the AgNet News Hour captured the energy and innovation coming out of this year's CAPCA Conference in Reno, Nevada, with hosts Nick Papagni and Josh McGill sharing highlights from interviews with some of California agriculture's most influential voices — including Ruthann Anderson, Dr. Lauren Fann, and Raquel Gomez. Papagni broadcasted live from the FIRA USA Automation Show in Woodland and the CAPCA Conference, describing it as “two worlds blending in one — the PCA world and the automation world.” The event showcased the synergy between technology and crop advising, with innovators and researchers presenting tools that promise to transform pest management, soil health, and precision farming. At the heart of the episode was Ruthann Anderson, president of CAPCA (California Association of Pest Control Advisors), who shared her excitement over the strong turnout and the new generation of PCAs joining the industry. “We had about 25 students come in this year ready to learn and engage,” Anderson said. “They are the future of California agriculture.” She credited her team and CAPCA's volunteers for creating a conference that balances education, networking, and real-world problem-solving. Anderson also discussed major issues facing PCAs, from rat infestations damaging drip systems to changing pesticide regulations, and expressed optimism that collaboration between CDFA, UC researchers, and industry groups will lead to solutions. The show also featured Dr. Lauren Fann, manager of Pest Research and Pollination Research at the Almond Board of California, who discussed her work developing biological and sustainable pest management tools. “We're studying biologicals already available to growers and learning how to use them effectively,” Fann explained. She noted the challenges of invasive pests, shifting regulations, and the global export standards California almonds must meet. Fann, a proud FFA alumna and participant in the California Ag Leadership Program, said her mission is to “help farmers stay ahead of change through research and innovation.” Another highlight came from Raquel Gomez, agronomist for Brandt, who showcased the company's work on micronutrients, adjuvants, and sustainable crop protection. “If it grows in California, Brandt covers it,” Gomez said. She emphasized how a wet winter can help growers manage salinity and improve soil health and encouraged PCAs to explore Brandt's Manaplex technology and C-Lite diatomaceous insecticide. Throughout the program, Papagni and McGill emphasized that events like CAPCA and FIRA are where California agriculture's next chapter is being written — by the advisors, researchers, and innovators working together to make farming more resilient and efficient. “These are the people who make food better — safer, smarter, and sustainable,” Papagni said. As the show closed, McGill reminded listeners of the shared mission across all sectors of agriculture: “Every booth, every PCA, every researcher here is working toward the same goal — helping farmers grow stronger and smarter.”

In this Divorce Explored episode of We Chat Divorce, MDS co-founders Catherine Shanahan, CDFA®, and Karen Chellew, Legal Liaison, reveal how common financial shortcuts can cost divorcing couples thousands—sometimes hundreds of thousands—of dollars. From so-called “honesty policies” that skip verification, to misclassifying home-sale proceeds as income, to cashing out retirement accounts too soon, Catherine and Karen unpack the real impact of assumptions, missing documents, and misunderstood advice. They'll show you why verified data—not verbal promises—is the only way to protect your financial future. Whether you're preparing for mediation, negotiating a settlement, or already divorced, this episode will help you spot red flags before they turn into regret. You'll Learn How To: Identify the red flags that signal financial shortcuts in divorce Understand when assets ≠ income in support calculations Avoid costly mistakes when dividing or liquidating retirement accounts Confirm accurate valuation dates and tax implications Use the MDS Financial Portrait™ to model real cash flow before you sign Resources Mentioned Free MDS Financial Assessment – discover your starting point The Divorce Financial Portrait™ – verified data = financial clarity MDS Community – connect for support and education Listen & Subscribe - Follow We Chat Divorce on Spotify, Apple Podcasts, and YouTube for weekly financial divorce insights that turn fear into focus, focus into knowledge, and knowledge into power. Learn more about your ad choices. Visit megaphone.fm/adchoices

Come Back to Love® Radio: Money Clarity and Confidence for Women Summary: Robyn Vogel and guest Tatiana Sunik, a fiduciary wealth advisor and Certified Divorce Financial Analyst, explore how women can gain clarity, confidence, and control over their finances. Drawing on her 23 years in wealth management and personal experience with divorce, Tatiana shares practical strategies for aligning money decisions with life values. Together, they discuss the emotional side of money, the importance of early financial conversations, and how proactive planning can reduce stress and create long-term security and freedom. Topics Covered: Tatiana's journey from wealth advisor to empowering women through finance The emotional and historical factors that keep women disconnected from money The role of values-based financial planning in creating clarity and confidence How early financial conversations can prevent conflict and strengthen relationships Strategies for building security: automation, retirement planning, and long-term care Bio: Tatiana Sunik, CFP, CDFA is the founder of Hera Financial and a Wealth Advisor with Forum Financial LP, dedicated to guiding individuals and families through life's most pivotal transitions with clarity and confidence. With over two decades of experience at leading firms including Smith Barney, Raymond James, and Klingman & Associates—a $4 billion boutique RIA recognized by Barron's and Forbes. Tatiana offers institutional-grade expertise in executive compensation, retirement strategies, tax planning, and multigenerational wealth transfer. A CERTIFIED FINANCIAL PLANNER professional and Certified Divorce Financial Analyst®, she combines technical fluency with a personal mission to empower women to own every chapter of their financial story. Fluent in English, Russian, and Ukrainian, and a classically trained pianist, Tatiana brings both global perspective and creativity to her practice, inspiring clients to approach their financial future with resilience, clarity, and confidence. Website: https://www.herafin.com/event-list Free Gift: Coffee with a CDFA® Learn more about Robyn here: https://www.comebacktolove.com

COSTLY MISTAKES TOO MUCH CASH IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS   with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.

What really happens behind the scenes at a divorce law firm? In this eye-opening episode of We Chat Divorce, co-founders Karen Chellew and Catherine Shanahan sit down with Attorney Kirk Stange, Founding Partner of Stange Law Firm, to uncover the truth about how family law really works—from the attorney's side of the table. Kirk has guided clients through divorce for more than 20 years, leading a firm with offices across 30 states. He joins Karen and Catherine for a candid conversation about what makes a great divorce attorney, why so many clients lose trust in the legal process, and how preparation and financial clarity can change everything. Together, they discuss: What makes a lawyer truly good at family law Why some attorneys avoid going to trial (and what that means for you) How judges pressure lawyers to settle cases The real story behind billable hours and “winning” in divorce Why financially prepared clients make better decisions If you've ever felt frustrated or confused by your attorney—or just want to know how to work smarter with one—this episode will change the way you see the legal side of divorce.

What if the chaos in your life was part of a greater plan? In this episode of the Spiritual Journey Podcast, Nimesh Radia sits down with Beth Kraszewski — President of Purposeful Wealth Advisors — to explore the deep spiritual lessons hidden within life's transitions. From navigating divorce to conscious parenting and balancing spirituality in corporate spaces, Beth reveals how self-care, boundaries, and mentorship create resilience in the face of uncertainty.She shares her own powerful transformation, insights from supporting women through financial shifts, and a preview of her upcoming book, Stronger Than You, designed to empower women through life's most challenging transitions. Together, Nimesh and Beth explore how to observe chaos without absorbing it, and how letting go allows greater possibilities to flow in.✨ This conversation is your reminder that you are stronger than you know — and that even in moments of upheaval, your spiritual journey is leading you toward profound growth and empowerment.

If you're over 50 and quietly wondering whether to stay or go, you're not alone. In this episode of We Chat Divorce: Divorce Explored, My Divorce Solution co-founders Karen Chellew and Catherine Shanahan, CDFA®, break down the real truths behind gray divorce—and why so many couples live in a silent divorce long before they ever make a decision. They share personal stories, client experiences, and the financial insights that can help you stop the emotional bleed and start building a plan. Whether you're thinking about divorce, living in financial fog, or simply craving clarity, this conversation will help you move from confusion to confidence. You'll learn: What a silent divorce really looks like—and how to recognize if you're in one The biggest financial mistakes people make in gray divorce Why clarity—not conflict—should guide your next steps How to use the MDS Financial Portrait™ to see your complete financial picture Why Step Zero (getting organized) is the most important part of your divorce journey About We Chat Divorce Hosted by Karen Chellew and Catherine Shanahan, CDFA®, co-founders of My Divorce Solution, We Chat Divorce explores the financial, emotional, and practical sides of divorce so you can move forward with clarity and confidence. Learn more about The MDS Financial Portrait™:https://mydivorcesolution.com/financial-portrait  Join the MDS Community for guidance, resources, and support:https://mydivorcesolution.com/community Listen to more episodes: https://mydivorcesolution.com/podcast  Learn more about your ad choices. Visit megaphone.fm/adchoices

If you are a woman paying alimony in your divorce, or if you are going through a divorce or thinking about a divorce and you think you might have to pay alimony, this is a great episode for you! My guest is Leah Hadley, CDFA® and Divorce Mediator, who offers advice, both practical and emotional advice for this situation. Learn more here: https://www.divorcedgirlsmiling.com/women-paying-alimony-myths-facts-and-advice/

Susan Guthrie welcomes Patrick Kilbane, J.D., CDFA®, partner at Ullman Wealth Partners and Director of the Divorce Advisory Group, to talk about one of the most overlooked but critical phases of divorce: what happens to your finances after the papers are signed. Instead of stopping at the settlement, Patrick shows you how to step into your financial “2.0” with confidence. We talk about creating clarity around your monthly cashflow, setting up systems to cover everyday expenses, and simplifying your accounts so they're easy to manage. Patrick also shares how to plan ahead during the divorce, not just after, so you negotiate with your future in mind. You'll hear practical strategies for rebuilding credit, organizing your retirement and investment accounts, making smart housing decisions, and avoiding costly mistakes that can derail your long-term security.  Patrick's decades of experience as both an attorney and Certified Divorce Financial Analyst make this a must-listen for anyone ready to move beyond survival mode and build a strong, strategic financial foundation for the next chapter of life. What You'll Discover in This Episode How to recognize when it's time to shift from divorce survival to planning your independent future Simple steps to clarify monthly cashflow and set up systems to cover bills and savings Why involving a financial advisor before settlement helps you plan smarter and avoid gaps How strategic planning beyond the settlement sets you up for lasting stability and confidence More About Our Special Guest, Patrick Kilbane, J.D., CDFA®:  Pat is a Partner at the firm and serves as both a Wealth Advisor and General Counsel. He brings over a decade of experience helping clients coordinate and implement comprehensive wealth management strategies. In his legal role, he manages all legal matters for the firm and assists clients with navigating their own legal questions by connecting them to trusted resources. Pat also leads our Divorce Advisory Group, where he supports high-net-worth clients before, during, and after the divorce process. Drawing on his extensive background in family law and his Certified Divorce Financial Analyst® (CDFA®) designation, Pat helps clients make informed, confident financial decisions at every stage of marital dissolution. Before joining our firm, Pat built a successful legal career in matrimonial and family law, serving as a Shareholder at two respected statewide firms—GrayRobinson, P.A. and Rogers Towers, P.A.—in Jacksonville. Pat is deeply involved in the Jacksonville community and has served on numerous civic and professional boards. He has received several gubernatorial appointments, including to the Jacksonville Aviation Authority—where he served as Chairman from 2017–2018 and again from 2020–2021—and to the 4th Judicial Circuit Judicial Nominating Commission, where he served as Chairman from 2017–2019. Most recently, he was appointed by Governor Ron DeSantis to the Jacksonville Port Authority in 2024 and to the Florida Elections Commission in 2025. His leadership extends to the Jacksonville Bar Association, where he served on the Board of Governors and as President of its Young Lawyers Section. He is a graduate of Leadership Florida (Class XXXV) and currently serves as President of the Jacksonville Lawyers Chapter of the Federalist Society. Pat previously served as President of the Board of Directors of the Notre Dame Alumni Club of Greater Jacksonville and as a member of the Foundation Board for St. Vincent's Hospital. In 2017, he was appointed by Bishop Felipe Estévez to the Savings and Loan Board for the Diocese of St. Augustine. In 2020, he was elected to the Board of Trustees for Adrian College, which will honor him as its 2025 Distinguished Alumnus. Pat earned his J.D. from the University of Notre Dame and holds a B.B.A. from Adrian College, where he graduated summa cum laude. He is a Certified Divorce Financial Analyst® and co-author of Move Forward Confidently: A Woman's Guide to Navigating the High-Net-Worth Divorce. Website and Book http://ullmannwealthpartners.com Pat's book: Move Forward Confidently: A Woman's Guide to Navigating the High-Net-Worth Divorce. ===================== Take the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyond MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** SPONSOR SPOTLIGHT: HELLO FRESH HelloFresh is now a proud sponsor of Divorce & Beyond! If you've been thinking about cutting back on grocery bills, avoiding food waste, or just getting dinner on the table without the stress — this is your moment, because right now, HelloFresh is offering one free item in every box — for life! That's right — every single box you order includes a free item, forever. And just to give you a taste of what that looks like... I got pineapple upside-down cakes in my first order! I originally discovered HelloFresh during the pandemic and fell in love with learning new recipes and expanding our dinner routine. I let it go for a while — hey, I live in Chicago with world-class restaurants on every corner — but with today's rising costs, HelloFresh is back on my table, and I'm so glad it is. So if you're ready to save time, money, and dinner — go to divorceandbeyond.com/hellofresh and sign up today to grab that free item for life. ***************** YUMIYU Jewelry YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU  Code: “BEYOND” for 20% off! ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show and reach our large community of those going through and healing from divorce, please reach out to us at  divorceandbeyondpod@gmail.com for pricing and details!!! ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

In this episode of the A Wiser Retirement® Podcast, Estate Planning Attorney Arun Gupta joins Shawna Theriault, CFP®, CPA, CDFA® to demystify trusts, what they are, who they're for, and how 10 common trust types work in real life.Related Podcast Episodes: Ep 295: What Happens If You Die Without a Will? The Legal NightmareEp 279: What Should Parents of Children with Disabilities Know About Estate Planning?Ep 233: How Second Marriages and Blended Families Impact Estate PlanningRelated Financial Education Videos:Prevent Family Conflict with Legacy Planning Does inheritance count as income? Other Links: AG LawLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

In this episode of The Free Lawyer podcast, Gary interviews Brianna Beski, a Certified Divorce Financial Analyst at Raymond James. Brianna shares how her parents' divorce inspired her career and discusses the financial complexities of divorce, including common misunderstandings about retirement accounts and asset valuation. She explains the critical role of financial clarity, collaboration with attorneys, and tailored support for high net worth individuals and business owners. Brianna emphasizes empowering clients to make informed decisions, reduce stress, and confidently rebuild their financial futures after divorce.Brianna's not just a Certified Divorce Financial Analyst (CDFA®)— she's someone who truly understands the emotional weight of divorce and how it impacts every area of life. Her unique backgroundallows her to:✔️ Provide financial clarity in emotionally charged situations, helping clients avoid fear-driven decisions they'll regret later.✔️ Help high-achieving professionals maintain control over their financial future, especially when assets, businesses, and long-term planning are at stake.✔️ Act as a calm, strategic advocate—helping clients navigate complex financial decisions while prioritizing their well-being and their family's future.Brianna's Personal Divorce Experience (00:02:11)Career Path and Olympic Aspirations (00:04:14) BEmotional Impact of Divorce (00:05:27) Common Retirement Account Mistakes (00:05:44) Valuing Pensions and Retirement Assets (00:07:44) When to Use a CDFA (00:09:39) Case Example: Settlement Misconceptions (00:11:26) Role of CDFA in Divorce Process (00:13:37) Client Support and Financial Clarity (00:16:05)Unique Challenges for High Net Worth and Business Owners (00:18:55) Transformation Through Financial Clarity (00:22:16)Advice for Lawyers Hesitant to Use Financial Experts (00:24:13)Maintaining Self-Worth After Asset Division (00:26:31) Finding Personal Freedom After Divorce (00:29:48) Advice for Lawyers Going Through Divorce (00:30:49) Financial Planning for Married Couples (00:32:41) Advice to Her Younger Self (00:35:10)Would you like to learn what it looks like to become a truly Free Lawyer? You can schedule a courtesy call here: https://calendly.com/garymiles-successcoach/one-one-discovery-callWould you like to learn more about Breaking Free or order your copy? https://www.garymiles.net/break-free

Roth conversions may be one of the most overlooked tax planning opportunities in retirement, and the cost of waiting could be staggering.  With recent legislative changes, longer life expectancies, and compressed inheritance timelines for your heirs, it's never been more important to get this right. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, … Read More Read More

Do you want wealth and abundance after divorce? Of course you do. It's a loaded question. Divorce can make a person insecure and stressed about finances, budgeting and saving. My guest in this episode is financial advisor, Amanda Campbell, CFP®, CDFA®, who talks about little, baby steps you can take to get to a place of comfort, and yes, wealth and abundance. Learn more: https://www.divorcedgirlsmiling.com/baby-steps-to-wealth-and-abundance/

Divorce can feel overwhelming, especially when money is involved. In this empowering conversation, divorce coach Michelle Dempsey-Multack and Sylvia Guinan, a Certified Divorce Financial Analyst (CDFA), break down the most important financial steps every divorcing woman needs to know. From understanding hidden assets to protecting your children's financial future, this episode delivers clarity and confidence when you need it most. What You'll Learn: How to identify and protect yourself from financial abuse during separation. The critical first questions to ask your divorce attorney about assets, spending, and hidden accounts. Why a financial affidavit matters, and how to complete it without fear or second-guessing. The pros and cons of keeping the marital home and planning for future expenses like college funds and retirement. How a CDFA can help you create a sustainable financial plan and avoid costly settlement mistakes 02:10 – Why money fears are the #1 stressor in divorce, and how to take the first step toward financial clarity. 09:25 – Recognizing signs of financial abuse and reclaiming control. 15:18 – The truth about financial affidavits and why honest numbers empower you. 23:40 – When to fight for the house, and when to let it go. 30:55 – The hidden costs of divorce most people overlook. 36:12 – Sylvia's strategy for building a trusted professional team to protect your future. 41:30 – Final financial planning tips to move forward with confidence. Meet the Guest: Sylvia Guinan is a Certified Divorce Financial Analyst with Wells Fargo Advisors who specializes in guiding women through the financial realities of divorce. Her expertise helps clients make informed decisions, avoid hidden pitfalls, and secure a confident path forward Tools & Strategies Mentioned: Certified Divorce Financial Analyst (CDFA): Expert support to evaluate assets, tax implications, and settlement scenarios. Financial Affidavit Tips: How to accurately document expenses and protect your lifestyle. Team-Based Divorce Planning: The value of combining legal, financial, and emotional support. Closing Insight: “There's no price for your freedom. Be brave, find your truth, and remember, you deserve a financial plan that reflects your worth.” – Sylvia Guinan Explore "Money & Moving On," our new guide to financial freedom after divorce: https://bit.ly/MoneyMovePod Join The Moving On Collective! A safe, judgment-free support group experience for divorced and divorcing parents: https://bit.ly/MichelleCommunity Subscribe to our YouTube Channel: https://www.youtube.com/@TheMichelleDempseyWebsite - https://michelledempsey.com/Facebook - https://www.facebook.com/michelle645TikTok - https://www.tiktok.com/@themichelledempsey1LinkedIn: https://www.linkedin.com/in/mldempsey/ LINK TO TRANSCRIPT: https://transcripts/moving-on-method-ep265-divorce-financial-planning Learn more about your ad choices. Visit megaphone.fm/adchoices

Think military divorce means automatically splitting everythign 50/50 and going to court? Wrong on both counts! Certified Divorce Financial Anaylst David Smith reveals what most military families get wrong and what it costs them! In today's episode, we'll discuss the complex financial and logistical aspects of military divorce, covering everything from pension division to healthcare benefits, tax implications, and emotional support strategies. Key Topics Jurisdiction & Legal Considerations Multiple state options for filing (voting state, property ownership state, driver's license state, tax filing state) Importance of consulting with an attorney early to determine proper jurisdiction Each state has different rules, formulas, and processes JAG office can provide consultation but cannot represent service members in divorce proceedings Types of Divorce Processes Four main options: DIY without professionals, mediation, collaborative divorce, litigation Court is NOT the only option Out-of-court processes (mediation, collaborative) are often more cost-effective, private, and less stressful Consulting attorneys vs. representing attorneys - different roles and costs Military Pension Division Division is not the only option - can use offsetting with other assets Must determine what portion is "marital" vs. "separate" property Not all pension components are divisible (e.g., VA disability) Requires a Military Retirement Pay Division Order through DFAS Differences between active duty, reservist, and guard member pensions Survivor Benefit Plan (SBP) Critical considerations: Only ONE SBP beneficiary can be named Previous spouses from earlier marriages may already occupy the "SBP chair" Premium costs must be negotiated Former spouse can be SBP beneficiary even without receiving pension payments Time-sensitive: Required forms must be submitted within specific timeframe or rights are lost Cannot be automatically transferred - requires proper paperwork TRICARE Benefits Courts CANNOT order TRICARE coverage - falls under federal rules Key rules: 20-20-20 (full benefits for life), 20-20-15 (transitional benefits) Based on: length of marriage, service member's creditable years, overlap period COBRA-like option available if don't meet other rules GI Bill Transfer Must be transferred WHILE married - cannot go to former spouse after divorce Service member can rescind the transfer Can be transferred to children as alternative Settlement agreement language is critical to protect this benefit Thrift Savings Plan (TSP) Multiple TSPs possible (civilian federal employee spouse, reservist who went active duty) Pre-tax and Roth portions have different tax consequences Must account for outstanding loans Requires Retirement Benefits Court Order (different from pension division order) Not always split - can use offset method with other assets Other Unique Military Assets to Consider Military leave - has monetary value on LES Credit card points and miles - can be worth $30,000-$40,000 USAA Subscriber Savings Account Pets - especially valuable show animals Life insurance policies Tax Implications Filing status changes Tax bracket shifts Capital gains considerations when dividing assets Pre-tax accounts (traditional IRA, 401k) vs. post-tax accounts have different real values Child tax credits and claiming dependents Early withdrawal penalties Marital vs. Separate Property Separate property: assets brought into marriage, inheritances, gifts (if kept separate and not commingled) Marital property: everything accumulated during marriage Characterization process is essential before division discussions Financial Mistakes to Avoid Making verbal agreements before completing full financial inventory Not understanding tax consequences of asset division Overlooking hidden assets (leave balance, points/miles, etc.) Rushing decisions - most divorce decisions have no do-overs Not considering pre-tax vs. post-tax asset values Misclassifying assets as marital or separate Practical First Steps Learn about all four divorce process options If abuse is present, seek legal counsel immediately Open credit card and bank account in your own name Create timeline of important dates and duty stations Gather supporting documents (tax returns, bank statements) in cloud storage Document account numbers, login credentials, passwords Consider consulting with CDFA before hiring representing attorney Supporting Someone Through Divorce Listen deeply and empathetically Avoid projecting your own divorce experience onto theirs Don't rush them into decisions Offer practical help (childcare, meals, house cleaning) Point them to resources (counselors, family services, professionals) Give them breathing room Key Takeaways Divorce in the military involves unique complexities beyond civilian divorces Court is not the only option - consider mediation or collaborative processes Complete financial inventory BEFORE making division decisions Everything accumulated during marriage is generally marital property Professional guidance (CDFA, attorney consultation) is an investment, not just a cost Most divorce decisions are final with no do-overs - take time to understand options Resources & Links David's website: sandoakdivorcesolutions.com Free 30-minute phone consultations available David's LinkedIn: linkedin.com/in/davidsmithcdfa/ Find a CDFA through Institute for Divorce Financial Analysts: institutedfa.com Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

In this episode of A Wiser Retirement® Podcast, Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA®  is joined by Financial Advisor William Medcalf, CFP® to discuss the financial implications of moving across state lines, and how a change in location can also mean major changes to your financial life.Related Podcast Episodes:- Ep 77: Tips for Moving to Lower Tax States- Ep 274: Buying a Home in the Best School District: What You Need to KnowRelated YouTube Videos:Should I invest in real estate or stocks?Second Home Considerations: Tax Implications of Multiple ResidencesLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

In Today's Episode... In this conversation, Ed Vargo shares his unique journey as a male financial advisor working with women, influenced by his mother's struggles with financial literacy during her divorce. He discusses the significant differences in how men and women engage with money, emphasizing the need for women to take an active role in financial discussions within relationships. Ed advocates for bridging the financial literacy gap for women, particularly younger women, to empower them in their financial decisions and align their spending with their values. In this conversation, Ed Vargo and Jordan Pendleton explore the complexities of financial conversations within relationships, emphasizing the importance of aligning day-to-day spending with long-term financial goals. They discuss the different perspectives men and women often have regarding finances, particularly in the context of marriage and divorce. The discussion highlights the necessity of regular communication about financial goals, the challenges of navigating these conversations, and the potential benefits of seeking professional financial advice. Connect with Ed Website  Instagram Facebook Resources & Free Guides  “9 Money Myths You Must Bust (Before they Hurt the Next Generation)” “The Empowered Exit: 12 Steps to Safeguard your Financial and Emotional Well-Being”  Full Program “Divorce Navigator” : A comprehensive program guiding women through the legal, emotional, and financial aspects of divorce.  About Ed Vargo Ed Vargo, CFP®, CLU®, ChFC®, AIF®, CDFA®, founder of Burning River Advisory Group, grew up in inner-city Cleveland. His mother, a first-generation immigrant, struggled financially and was stuck in an unhealthy relationship. Her challenges left a lasting imprint on Ed and his values as a husband, father, and advisor. Ed's father, a steelworker and single dad, raised four children in Cleveland's Slavic Village. Ed attended Case Western Reserve University, earning a BS in Management and meeting his college sweetheart, Wendy. Now the proud parents of five charismatic daughters, Ed and Wendy are deeply committed to women's empowerment. Ed believes financial strength is essential to a woman's health, safety, and opportunity. His commitment to helping women achieve financial independence runs through the heart of Burning River, where he provides customized financial solutions with a compassionate and caring hand.   Don't forget about this amazing free offer from Jordan. She put a lot of time and effort into this project to be able to offer it to you, absolutely free! Take advantage now while you can! eBook: Couples Guide to Getting on the Same Page About Money   Reminder: Subscribe, Rate & Review this podcast!   Whatever platform you are listening on, make sure to follow or subscribe & sign up for notifications for when weekly episodes drop every week! And if you feel called, please leave a rating and review. This helps us to reach more people!  JordanPendleton.com

THE OVERLOOKED $2 MILLION SOCIAL SECURITY MISTAKE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Social Security benefits can add up to more than $2 million for some households, yet many wealthy families overlook their value. In this episode, Senior Financial Planner Thad Ismart explains how high-net-worth individuals can make the costly mistake of ignoring Social Security—and strategies to maximize its impact. Full Description When people think about Social Security, they often imagine modest monthly checks. But over a lifetime, benefits can exceed $2 million for many high-earning households. Unfortunately, wealthy individuals often dismiss Social Security as irrelevant, leaving valuable opportunities on the table. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at BWFA, explores how affluent families can misuse—or underuse—Social Security benefits. Thad explains how treating Social Security as “extra” income rather than a strategic asset can lead to missed planning opportunities. The conversation covers practical ways to put Social Security to work. For instance, using benefits to help fund long-term care, cover estate taxes, or purchase life insurance that transfers wealth more efficiently. Thad also highlights strategies like gifting benefits into trusts, which can create tax-smart legacies for heirs. Listeners will come away with a better understanding that Social Security is not just a government check but a tool that can enhance a larger financial plan. Wealthy households that integrate Social Security thoughtfully may free up other assets for investment, giving, or family support. At BWFA, we help clients of all income levels make informed decisions that align with their goals. This episode encourages even high-net-worth families to reconsider the role Social Security can play in their overall strategy. For more insights, visit BWFA's Financial Planning Services.

WHAT TO DO WITH LEFTOVER 529 FUNDS FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: Saving for education is one of the best financial gifts you can give your family. But what happens when a child graduates and there's still money left in the 529 plan? Many families find themselves asking this very question. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge share practical strategies for putting leftover 529 funds to work. They begin by explaining the flexibility of 529 plans. These accounts aren't limited to just one child or even one generation. With a simple change of beneficiary, leftover funds can be reassigned to a sibling, cousin, or grandchild. Parents can even use the money for their own continuing education. The hosts also highlight how some families leave funds invested, allowing tax-free growth until future generations are ready for school. A newer option gaining attention is the ability to roll a portion of unused funds into a Roth IRA. Under current law, certain conditions apply, but this strategy can jump-start retirement savings for children or grandchildren. Sandy and Tyler walk through when a Roth rollover makes sense and how it can add long-term value. Not every situation allows for easy transfers, and sometimes withdrawals are considered. Non-qualified withdrawals typically involve taxes and penalties, but exceptions exist—such as when the student has received a scholarship. This episode provides guidance on how to evaluate whether withdrawing funds is ever the right move. Ultimately, leftover 529 funds are a “good problem” that reflects disciplined saving. With the right planning, families can use those dollars to support future education, retirement, or even their own lifelong learning. For more insights, visit our College Planning Services page. To explore current rules and IRS guidance on qualified education expenses, see the IRS 529 Plan FAQ.

In this episode of the Journey Beyond Divorce Podcast, I sit down with Gabriella Martinelli, a seasoned Certified Divorce Financial Analyst® and founder of Ever After Wealth®, to explore the critical steps business owners must take to value and protect their businesses before a divorce. With over two decades of experience helping entrepreneurs navigate the complexities of divorce, Gabriella brings deep expertise in avoiding financial pitfalls, cleaning up financial records, and ensuring accurate business valuations. If you are divorcing with a business on the line, the stakes are incredibly high, and one misstep can cost you far more than money. We discuss how businesses are appraised during divorce, the emotional and financial challenges that arise during asset division, and the importance of clarifying valuation long before lawyers and courts are involved. Gabriella also explains why separating personal and business finances and maintaining accurate documentation is essential for protecting both your enterprise and your personal net worth. Together, we highlight the key tax and ownership considerations that can arise when selling, splitting, or retaining a business and share practical strategies to help you safeguard what you've built. Whether you are just beginning to consider divorce or are already mid-process, this conversation will provide clarity, direction, and the financial wisdom you need to protect your future. Connect with Gabriella: Website: www.everafterwealth.com Social Media: https://www.linkedin.com/in/gabriellamartinelli-divorcefinancialclarity/ Book a Free Call: https://calendly.com/everafterwealth/connectionmeeting Resources Mentioned in this Episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com Free Divorce Support Network Gift: https://divorcesupportnetwork.com/e-book-sign-up  

IS CASH KING? BALANCING LIQUIDITY AND GROWTH FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: Cash is often described as either “king” or “trash.” In reality, it can be both—depending on your circumstances. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explore when holding cash makes sense and when it may work against your long-term goals. The conversation begins with why cash matters. Having an emergency fund provides peace of mind and flexibility when life delivers the unexpected—medical bills, job loss, or urgent home repairs. Sandy and Tyler discuss how to size an emergency fund, why rules of thumb like “three to six months of expenses” may not fit every situation, and how personal factors such as job stability or income volatility affect the right cash balance. But cash also has drawbacks. For retirees who already have stable income from pensions or Social Security, holding too much in cash can mean missed opportunities for growth. The episode shares real-life examples of families who kept significant wealth in ultra-conservative accounts—only to realize that over decades, inflation would erode their purchasing power and diminish the legacy they hoped to leave to children and grandchildren. Sandy and Tyler emphasize that the right answer depends on goals, timing, and flexibility. They recommend tailoring cash holdings to personal risk tolerance, liquidity needs, and investment horizon. The discussion also touches on practical strategies, such as using money markets, high-yield savings, or laddered CDs to keep funds both safe and accessible. Finally, listeners are reminded that cash needs evolve with life changes—new jobs, growing families, or retirement. Reviewing and adjusting cash reserves regularly is critical to keeping financial plans on track. For more insights, visit BWFA's Financial Planning Services.

Untying the Knot, Supporting Women through Divorce and BeyondReady to take control of your next chapter? In this episode, we break down the must-do steps for navigating divorce with less stress and more clarity. We cover everything from getting legal consult and gathering your key documents to understanding your living situation and connecting with an RCS D certified real estate pro for a home valuation. Plus, learn why reviewing your mortgage and debts with a CDFA and creating a solid communication plan can be game changers. Do not miss these expert-backed tips that could make all the difference in your journey. Tune in and set yourself up for a brighter tomorrow.​ DM us to connect with the Divorce Defenders. ​​Join The Divorce Community on Facebook: https://www.facebook.com/share/g/16DTxnDsqw/​​✨ Connect with Miranda here: https://www.facebook.com/profile.php?id=100090549335960​✨ Connect with Katie here: https://www.facebook.com/KatieHalleLambert​​​This podcast is for informational purposes only and should not be considered professional advice. Always consult with a licensed professional for guidance tailored to your unique situation. ​ ​​#divorce #coparenting #momlife #familytransition #realestatetips #arizonamoms #untyingtheknot

This week on The Rewrite, we're talking money, mindset, and the emotional side of financial planning with Tatiana Sunik—Certified Financial Planner®, divorce consultant, and founder of Hera Financial.Tatiana knows that money isn't just about numbers—it's about human psychology. After navigating her own divorce and major life transitions, she's on a mission to help others move from financial confusion to empowered, values-aligned decisions.We talk about:- How to make smart financial moves in the middle of emotional chaos- The biggest mistakes people make during divorce (and how to avoid them)- Why your mindset matters more than your math- What real financial empowerment looks like after separationIf you're going through a transition—or ready to take back control—this one is a must-listen.Follow Tatiana: @tatianasunik  www.herafinancial.com

Today on the AgNet NewsHour, Nick Papagni and Lorrie Boyer hosted Don Cameron, President of the California State Board of Food and Agriculture, to discuss the many challenges and opportunities facing California farmers today. Cameron, who also manages his own farms in the Biola area, shared expert insights from both a policy and practical farming perspective. Labor Challenges in California Agriculture A central topic of conversation was labor in agriculture. Cameron emphasized the critical importance of a stable workforce for California's labor-intensive crops. He highlighted the need for programs like H2A, which allows temporary workers to enter the country legally, and stressed the benefits of providing long-term workers with some form of legalization so they can continue working without fear. Cameron noted that without reliable labor, food production in California—and by extension, the United States—would be significantly disrupted. Water Management and Sustainable Farming Water management was another major focus. Cameron discussed the need for sustainable groundwater practices, especially as regulations limit pumping in over drafted basins. He stressed that farmers must maximize the value of every drop of water, focusing on high-value crops and reducing overall usage. While ideal solutions such as new storage and water delivery systems may take decades, Cameron encouraged efficiency and strategic planning for the long-term sustainability of California agriculture. Automation and Agricultural Innovation To address labor challenges, Cameron's operations are embracing automation and innovation. He described experiments with mechanical and laser weeders and drone technology, highlighting the potential for these tools to improve efficiency and offset labor shortages. These investments, along with careful crop management, help farmers remain competitive in a challenging global market. Competing with Global Agriculture Cameron addressed how California farmers face challenges from cheaper imports from countries like Mexico and Brazil. While international labor costs are lower, California farms provide higher wages, better working conditions, and sustainable practices. Consumers supporting local produce, he said, is essential for maintaining a competitive edge. Financial Pressures and Pest Management Cameron also addressed the financial pressures facing farmers, including low commodity prices, rising costs, abandoned farmland, and pest challenges such as rodents destroying orchards and drip systems. He encouraged small and young farmers to take advantage of programs through CDFA and NRCS to maintain stability and remain viable in a high-cost environment. California Agriculture: A National Treasure Overall, Cameron praised California agriculture as a national treasure, capable of producing over 400 crops efficiently and sustainably. His insights underscored the resilience, innovation, and careful planning required for the state's agricultural industry to thrive amid complex environmental, economic, and regulatory pressures. For more updates on California agriculture, visit AgNet West at AgNetWest.com and follow their podcast on your preferred platform.

In this episode of A Wiser Retirement® Podcast, we celebrate hitting a major milestone, 300 episodes! In this special episode, President Casey Smith and Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA®, reflect on the history of Wiser Wealth Management, the growth of the podcast, and the firm's mission to provide real, relationship-driven financial planning.Related Podcast Episodes: - Ep 251: Shawna Theriault's Road to Becoming a Financial Advisor - Ep 241: The Heart and History of Wiser Wealth Management with President Casey Smith- Ep 173: Making the Most of Your Airline 401(k)- Ep 168: Everything You Need to Know About 529 Plans- Ep 184: What It's Like Traveling Full Time in Retirement with the Retirement TravelersLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Divorce can be an emotional and financial grind, but there is more left to do to protect your financial future. In this episode, Mardi Winder-Adams welcomes back Gina Phillips, a certified divorce financial analyst (CDFA) and founder of WNY Divorce Financial Advisors. Together, they focus on the often-overlooked period after a divorce is finalized, a time when many people believe the hardest part is behind them, yet find themselves faced with a host of new financial responsibilities. Gina shares her extensive experience in working with women post-divorce, guiding them through critical steps such as handling property deeds, refinancing mortgages, updating beneficiaries, and navigating qualified domestic relations orders (QRDOs) to ensure a secure future.The conversation covers practical matters like establishing credit, transferring property titles, and the potential pitfalls of neglecting paperwork, which can lead to complicated situations with insurance or retirement accounts. Gina emphasizes the value of post-divorce financial education, encouraging listeners to carefully review settlement agreements and take proactive steps to set up estate plans, change beneficiaries, and address health insurance options. She shares real-life examples that highlight the challenges and sometimes unexpected consequences that can arise after the legal dust settles.Mardi and Gina also discuss the importance of taking control of your financial identity, understanding your obligations and entitlements, and protecting your family with thoughtful planning. Throughout the episode, Gina's warmth and clarity shine as she provides reassurance and actionable advice. Listeners are invited to access Gina's Post Divorce Financial Checklist, ensuring no critical detail is overlooked as they move forward with confidence and independence.For Gina's YouTube video about QRDOs go to https://www.youtube.com/watch?v=Kl94VzR_zc4About the Guest:Gina Phillips is the owner of WNY Divorce Financial Advisors, LLC, where she passionately dedicates herself to empowering individuals navigating marital transitions to regain control over their financial well-being. As a skilled liaison between clients and divorce mediators and attorneys, Gina is driven by personal experience and a deep understanding of the challenges that accompany divorce. Her pursuit of certification as a Divorce Financial Analyst (CDFA®) demonstrates her commitment to providing comprehensive support. With over 30 years of experience in auditing and accounting fields, Gina brings a wealth of knowledge to her practice. Her certification as a CDFA® combined with her expertise enables her to offer compassionate and cost-effective assistance. Whether you are in the early stages of considering a divorce or currently navigating the complexities of the legal proceedings, Gina will guide you with empathy and expertise to ensure your transition is as smooth and financially secure as possible.For Gina's gift, the Post-Divorce Financial Checklist: https://6214433.hs-sites.com/post-divorceTo connect with Gina:Linkedln: https://www.linkedin.com/in/gina-phillips/ Website: https://www.wnydivorcefinancial.com/default.phpFacebook: https://www.facebook.com/wnydivorcefinancialAbout the Host: Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The...