Podcast appearances and mentions of francis financial

What happens when you're suddenly the one in charge of all the paperwork, passwords, and decisions, but you're not sure where to begin? In this heartfelt and practical episode, father-and-son duo Peter and Jacob Gordon share how daily money management can be a lifeline for people navigating everything from grief and memory loss to major life changes like retirement, divorce, or moving across the country. They didn't set out to become financial organizers—but life led them here through personal family experiences, and now they're helping others find order and peace during some of life's most overwhelming moments. You'll hear them discuss: • How their family's own challenges with elder care inspired them to create a service that supports others in managing the emotional and practical sides of personal finance. • The unexpected transitions that often lead people to seek help—like a partner's death, a dementia diagnosis, or simply realizing the bills haven't been opened in months. • What it means to be a daily money manager, and how their work goes far beyond bill pay to include safeguarding personal data, organizing financial records, and helping clients feel less isolated. • Why solo agers—those without family support nearby—often rely on them as trusted fiduciaries to serve as power of attorney, healthcare proxy, or executor when no one else can. • The ways loneliness, memory loss, and vulnerability intersect—and how just having someone to check in weekly can dramatically improve a person's wellbeing and confidence. • How they collaborate with financial advisers, attorneys, and care professionals to create a wraparound team that protects clients from falling through the cracks. • Their top piece of advice for anyone suddenly managing money on their own: start by finding out exactly where everything is, before trying to make sense of it. ResourcesJacob and Peter Gordon on the Web | YouTube | Facebook | LinkedIn | Email: info@nyfo.nyc Jacob Gordon on Email: jacob@nyfo.nyc I Phone number: 917-945-0912 Peter Gordon on LinkedIn | Email: peter@nyfo.nyc | Phone number: 917-279-3972 Other resources mentioned: Article on How to Freeze Credit Card Quicken - Manage Your Finances in One Place You Need a Budget Personal Capital / Empower Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

What if your financial struggles aren't really about money—but about emotions you've never even considered? In this powerful and refreshingly honest episode of Financially Ever After Widowhood, Stacey Francis is joined by Erika Wasserman, one of only 100 certified financial therapists in the U.S. Together, they dive into how fear, overwhelm, shame and even childhood memories can keep you stuck in place financially. Whether you're recently widowed, divorced, or simply navigating money matters on your own for the first time, this conversation offers hope, practical tools, and a whole new way of thinking about your relationship with money. You'll hear them discuss: How 90% of our financial decisions are driven by emotion, and why understanding this can help you make better choices moving forward Why your money mindset is shaped by your background, culture, and past experiences—often without you even realising it What financial paralysis looks like, and how to gently move forward with manageable, confidence-building steps How feelings of fear, overwhelm and loneliness can stop you from taking action, and what to do when that happens Why making financial mistakes is completely normal—and how to reframe them as part of your learning journey How Erika's simple highlighter method can help you understand your spending habits and make joyful, intentional choices What a “sunshine fund” is, and how having one can create space for spontaneous joy and generosity When it might be the right time to work with a financial therapist, especially if you feel emotionally stuck or ashamed about money Resources Erika Wasserman on the Web | Email | Instagram | LinkedIn Pre-order ''Conversations with Your Financial Therapist'' on Amazon Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In honor of Financial Literacy Month, we're revisiting one of our most powerful episodes of Financially Ever After: Widowhood, a conversation that underscores why financial knowledge is essential, especially during life's most difficult transitions.   You'll hear from Kathy Gleason, a widow, author, and host of the podcast As I Live and Grieve. Kathy shares her deeply personal journey of navigating grief and the overwhelming financial aftermath that followed the loss of her husband.   This episode is a powerful call for women to not just be emotionally prepared, but financially informed. Are you struggling to cope with the loss of a spouse and the financial challenges that come with it? In this episode of Financially Ever After Widowhood, host Stacy Francis speaks with Kathy Gleason, an author and grief support expert with a deep understanding of the struggles that come with losing a spouse. Kathy is also co-host of the As I Live and Grieve podcast. Kathy details her personal journey of loss, including the challenges of managing the paperwork and red tape that come with it. She also shares valuable insights and practical advice on how to navigate the financial challenges of widowhood. Losing a spouse is a complex and devastating loss that brings many unique challenges, including the loss of future plans and the added responsibility of managing all the paperwork and red tape that come with it. It's important to surround yourself with supportive people who understand what you're going through and can offer emotional and practical support. If you are not the partner who manages the finances, it's important to make yourself aware of what accounts and assets you have in case you need to take over in the future. It's common for married couples to not make long-term financial decisions together, but this can leave one partner at a disadvantage if they need to take over after a spouse's passing. Prioritizing tasks and taking care of practical matters can help you begin to work on yourself and heal after a loss. Resources Kathy Gleason Facebook | Instagram Email: info@asiliveandgrieve.com  As I Live and Grieve Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

What if doing absolutely nothing during a market downturn was actually the best financial move you could make? In this episode of Financially Ever After, Stacy Francis sits down with Matt Haertzen - Chief Investment Officer at Francis Financial - to dive deep into how to handle market volatility without letting fear drive your decisions. When markets dip, it's easy to panic, but Matt and Stacy highlight how staying calm and sticking to your investment plan can help you not just weather the storm, but come out ahead. They explore the importance of staying invested through the ups and downs, how to avoid making emotional mistakes, and why focusing on the long-term can ultimately be more rewarding. In a world full of uncertainty, it's more important than ever to know how to make smart decisions that will benefit your future, even if the road to get there feels a little bumpy. You'll hear them discuss: Why reacting emotionally during a market drop could cost you more in the long run and why staying calm is key Why markets have historically bounced back and why it's essential to focus on the bigger picture, especially when things feel uneasy The importance of staying invested for the long haul and how volatility can be an opportunity if you're prepared How strategies like tax-loss harvesting and Roth conversions can actually work in your favor when markets are down The psychological impact of market swings and how to manage your emotions to avoid costly mistakes Simple yet effective steps to manage your finances during uncertain times without sacrificing your goals Why diversification is crucial and how expecting every part of your portfolio to perform perfectly all the time is unrealistic Real-life insights into why reacting to market drops, like during the 2008 financial crisis, can leave you worse off in the long run Resources Matt Haertzen on the Web | LinkedIn Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

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        

Is skimping on employment taxes worth the risk? Think again! The IRS is watching, and the consequences could be severe. From personal liability to potential criminal charges, tax attorney Megan Brackney breaks down what you must know about payroll tax compliance—and what happens if you get it wrong. Think an IRS notice is something you can ignore? Not so fast. Failing to respond could mean escalating penalties, wage garnishments, or even asset seizures. Failing to pay your taxes—or even unknowingly making mistakes—can lead to serious consequences. In this episode of Financially Ever After Widowhood, Stacy Francis sits down with Megan Brackney, a leading tax controversy attorney, to unpack the dangers of employment tax issues, IRS audits, and how to handle tax troubles before they spiral out of control. Whether you're a business owner, someone dealing with tax issues from a former spouse, or just trying to stay on the right side of the IRS, this episode is packed with invaluable insights and actionable advice. You'll hear them discuss: Why employment tax fraud is taken more seriously than personal tax evasion – When you withhold payroll taxes, you're holding money in trust for your employees and the government. Failure to pay is viewed as theft, making it one of the IRS' top enforcement priorities. The IRS' six-year (or even unlimited!) statute of limitations on tax fraud cases – Just because you haven't been caught yet doesn't mean you're in the clear. The IRS has years to investigate, and in cases of fraud, there's no time limit at all for them to come after you. How unpaid payroll taxes can personally impact business owners, CFOs, and controllers – The IRS can go after individuals within a business under the responsible person penalty, making them personally liable for unpaid taxes. If you're in a leadership role, you must ensure payroll taxes are properly handled. The real-life regrets of those who got caught—and why it never pays off – Megan shares stories from 20+ years in tax law, revealing how every client who thought they could outsmart the IRS deeply regretted it once they faced penalties, legal fees, and sleepless nights. Innocent Spouse Relief—what it is and how it can protect you from a former spouse's tax mistakes – If you're facing tax liabilities from an ex-spouse's wrongdoing, you may not have to pay. Learn what qualifies for Innocent Spouse Relief and how to apply. Practical steps to take if you receive an IRS notice (hint: open it, don't panic!) – Ignoring IRS letters only makes things worse. Megan explains how to read your notice, understand what's being asked, and take action before penalties escalate. How to communicate with the IRS to avoid aggressive collection tactics – Many people fear bank levies and wage garnishments, but staying in contact with the IRS and showing good faith can often prevent the harshest consequences. Taxpayer rights you didn't know you had – The U.S. has strong taxpayer protections, but many people don't realize what they're entitled to. Megan covers important rights, including appeal options, installment agreements, and offers in compromise. Why procrastination makes tax problems exponentially worse – The longer you wait, the more interest and penalties pile up. Megan shares key steps to take immediately if you suspect a tax issue, even if you can't afford to pay the full amount. How tax issues can impact your financial future, credit, and even your passport – Owing the IRS isn't just a money problem—it can affect your ability to get business loans, travel, and plan for retirement. Learn how to mitigate long-term consequences. Resources Megan Brackney on the Web | LinkedIn Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

How do you navigate the overwhelming challenges of supporting a loved one dealing with mental illness or substance abuse when the systems meant to help are failing? And how can you be sure you're making the right choices when it feels like everything is stacked against you? In this powerful episode of Financially Ever After, Stacy Francis sits down with Lisa Herman, a seasoned mental health attorney who guides families through some of life's most difficult situations—mental health crises, substance abuse struggles, and complex family dynamics. Lisa shares her personal journey and professional insight, revealing the emotional and legal challenges that families often face. Together, they discuss the crucial resources and strategies that can make a difference when dealing with a loved one's mental health or addiction issues. Lisa's experience gives a unique perspective on how to act quickly, thoughtfully, and with care in times of crisis. You'll hear them discuss: The challenges of navigating mental health and substance abuse systems, and why it often feels like families are flying blind without proper guidance. Lisa's personal journey of losing her husband to cancer and how it shaped her understanding of crisis and family support. The importance of acting quickly and seriously when a loved one expresses harmful intentions, and how to identify when immediate intervention is needed. The legal mechanisms available to families, including guardianship, Kendra's Law, and the assisted outpatient treatment law to help manage loved ones with severe mental illness. How to avoid enabling destructive behavior while still showing love and support for a family member going through a crisis. The delicate balance between helping someone get the treatment they need while preserving family relationships and communication. Practical advice for reaching out to the right resources, including psychiatric case managers, security personnel, and legal professionals who can step in during critical moments. Resources Lisa Herman on LinkedIn | Email I Phone: 914-607-7010 Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Are you really prepared for solo aging? Have you thought about who will care for you as you get older? What about where you'll live, how you'll afford care, and who will manage your finances if you're unable to? Too many people wait until an emergency forces them to make these decisions, but planning ahead can give you control over your future and peace of mind. What if you could make choices now that ensure your later years are filled with security, independence, and dignity? In this episode of Financially Ever After, Stacy Francis is joined by Marni Blank, founder of Begin With The End, to discuss the essential steps solo agers (and everyone else!) should take to prepare for the future. From financial planning to housing choices to organizing your digital life, this conversation is full of critical insights. You'll hear them discuss: A powerful way to leave a legacy through handwritten letters and how this simple but meaningful act can create deep connections that last beyond a lifetime. Solo aging realities and why it's crucial to proactively plan for healthcare, housing, and financial needs before unexpected circumstances force rushed decisions. The importance of choice in aging and how making key decisions early allows you to maintain control, rather than having others step in when it may be too late. Where you will live as you age, whether staying in your home, moving to assisted living, or considering other options, and how to determine the right fit for your needs. Financial planning for long-term care, breaking down the true costs, what options exist, and why starting early can make all the difference in affording quality care. The digital side of aging, including organizing passwords, documents, and financial accounts so your loved ones aren't left struggling to access important information. Why waiting lists matter when choosing senior living communities and how long delays in availability could leave you scrambling for a less ideal option in an emergency. Resources Marni Blank on the Web | LinkedIn | Instagram | Email Free Plan Well Organizer Free Legacy Project Ideas Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In today's episode I speak with Stacy Francis, the President and CEO of Francis Financial, who helps women in transition through widowhood. She is a certified grief coach and is talking to us about the financial implications of widowhood. Stacy also shares her own experience with loss and how it has impacted her to help others. Listen as we discuss: Taking inventory of where you're at and what help you need The importance of finding a financial advisor and how to you find the right financial advisor for you Understanding your assets & liabilities as well as your new income and expenses Resources: Stacy Francis: www.FrancisFinancial.com 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/ Financial Help for Widows: A Complete Resource Guide: https://francisfinancial.com/financial-help-for-widows/ Join my Free Facebook Group ‘Widowed and Rising' https:// www.facebook.com/groups/widowedandrising Find me on Facebook https://www.facebook.com/karensuttonwidowcoach Find me on Instagram https://www.instagram.com/karensuttonwidowcoach/ TikTok http://www.tiktok.com/@karensuttonwidowcoach Twitter https://twitter.com/KarenWidow LinkedIn https://www.linkedin.com/in/karensuttonwidowcoach/ YouTube https://www.youtube.com/channel/UCNgKpAqSpEdQV2zYJIPaHvg

When facing the loss of a loved one, is there anything worse than being blindsided by legal battles and financial chaos? The last thing you need while grieving is to be buried under probate paperwork, unexpected family conflicts, or financial uncertainty. In this episode, Stacy Francis speaks with grief coach Claire Schwartz about how to prepare ahead of time so that loss doesn't turn into a crisis. They discuss the importance of trusts, delaying big financial decisions, and leaning on the right professionals to help you navigate both grief and financial security with clarity and confidence. Claire also shares insights on managing family conflicts that may arise after a loss and how to approach them with a clear mind and a steady heart. You'll hear them discuss: How probate can be costly and emotionally draining, and why setting up a revocable trust can help assets pass smoothly without legal disputes. Why grief can cloud judgment and the importance of delaying major financial decisions, like selling a home or changing investments, until you're emotionally ready. The role of self-care in maintaining both mental and financial clarity—why staying hydrated, eating regularly, and getting rest is non-negotiable during grief. How breaking legal and financial matters into small, manageable steps can help prevent overwhelm and keep you in control. The benefits of seeking professional guidance from estate attorneys, financial advisors, and grief coaches to bring clarity and peace of mind. Why having a neutral, outside support system—whether a professional, friend, or therapist—can help process emotions and navigate difficult family dynamics. The reality that grief is a long journey, and how thoughtful planning and the right support can make it smoother and less overwhelming. How to handle family conflicts over assets or decisions with preparation, boundaries, and professional support to maintain peace. Resources Claire Schwartz on the Web | LinkedIn | Facebook | Email: miriamswellhealing@gmail.com or youcanhealyourgrief@gmail.com  Phone: 973-826-2682 Book: Putting out the Fire by Claire Schwartz Schedule a No-Cost Client Consultation Fearless Grieving to Fearless Living 3-Month Portal Program Organizational Support Stacy Francis on LinkedIn | X(Twitter) | Email: stacy@francisfinancial.com  FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

After losing a spouse, how do you regain financial confidence and ensure long-term security? Losing a spouse can leave widows feeling overwhelmed, especially when it comes to finances. But taking control doesn't have to be daunting—it can be empowering. In this episode, Stacy Francis and Natalie Colley share five key financial resolutions to help widows navigate money decisions with confidence in 2025. From understanding cash flow to making smart investment choices, they break down practical steps for creating financial security and peace of mind. You'll hear them discuss: Why estate planning mistakes can be costly and how to choose the right executor and attorney to avoid complications. How tracking cash flow (rather than strict budgeting) helps widows feel more in control and prepared for financial changes. The 50/30/20 rule as an easy framework for balancing needs, wants, and savings, ensuring a sustainable spending plan. Helpful budgeting tools like You Need a Budget and Good Budget to simplify tracking expenses without feeling overwhelmed. Why reviewing your investment portfolio is crucial after a spouse's passing and how to ensure it aligns with your new financial needs. The hesitation many widows feel about managing investments and how taking control of their portfolio leads to greater financial empowerment. Why 80% of widows leave their late spouse's financial advisor and how to find a fiduciary, fee-only, independent advisor who truly supports your goals. Studies and data - studies show a widow's income drops on average by 35% after the loss of a spouse, 56% of widows feel less financially secure after their spouse passes away and 80% of widows leave their husband's financial advisor within one year, often due to feeling unheard or not involved in the relationship. Key financial decisions that need attention sooner rather than later, including tax-saving opportunities widows should be aware of. Resources Natalie Colley on the Web | LinkedIn Recommendations Fee Only Network | NAPFA | Five Financial Resolutions for Widows 2025 | YNAB | Good Budget Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Ever wondered if there's a secret recipe for reducing your tax burden without sacrificing your long-term financial health? Could your estate planning be leaving money on the table? In this episode of Financially Ever After, Stacy Francis is joined by the brilliant Dahemia Grant, CPA and tax expert, to unravel the intricacies of tax planning and estate strategies. From the basics of income taxes and capital gains to the more complex topics like estate taxes and inheritance planning, Dahemia walks us through strategies that can help you optimize your financial future—whether you're a female entrepreneur or someone navigating personal tax scenarios. With practical advice and a clear focus on the green zone of financial health, Dahemia ensures that you don't have to do it alone when it comes to taxes and estate planning. You'll hear them discuss: How understanding tax planning can make a huge difference in your financial future, particularly the difference between income taxes, capital gains, and how each affects your investments. Dahemia explains how proactive planning can help reduce your overall tax burden and maximize your wealth. The importance of estate and inheritance tax planning, and why it's crucial to understand how your estate will be taxed when it's passed down. Even if you think your estate is far from the $13.6 million threshold, Dahemia reveals why filing an estate tax return may still be beneficial to capture exemptions that would otherwise be lost. The "portability provision," which allows the surviving spouse of an estate to use the unused portion of the deceased spouse's estate tax exemption. This little-known rule can provide a significant benefit by increasing the amount a surviving spouse can pass on tax-free, potentially saving millions. How different states have vastly different estate tax rules and exemption limits, and why it's critical to be aware of these when making estate planning decisions. Dahemia highlights examples like New York's lower exemption levels and explains why some people choose to relocate to states with more favorable tax policies, like Florida. Why building a team of professionals—including an accountant, tax advisor, and financial planner—can make all the difference when navigating the complexities of taxes, estate planning, and wealth management. You don't have to go it alone, and Dahemia emphasizes the value of having the right support system. The strategy of gifting assets during your lifetime to reduce your taxable estate. Dahemia discusses how this can be a powerful tool, especially for those concerned about estate taxes, but also explains how to balance gifting with the need to maintain financial security for yourself. Resources Dahemia Grant on LinkedIn I Web Email: dgrant@dsgadvisorycpa.com Phone: 917-309-8574 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

What if learning to say “no” could be the most powerful form of self-care you ever practiced? In this inspiring episode of Financially Ever After, Stacy Francis chats with Debbie Weiss, author of On Second Thought, Maybe I Can and The Sprinkle Effect, about the power of setting boundaries, prioritizing self-care, and living with greater intention. Debbie shares her personal journey of caregiving while pursuing her own growth, offering practical advice for anyone feeling overwhelmed or stretched too thin. You'll hear them discuss: Why saying "no" can be one of the most powerful forms of self-care, especially for caregivers, people-pleasers, and those who feel stretched too thin. Debbie explains how to recognize when it's time to decline requests — and how to do it without guilt. How the 24-hour rule for commitments can stop you from over-scheduling yourself. Instead of agreeing on the spot, Debbie suggests giving yourself space to reflect on what truly aligns with your priorities. Why self-care isn't just massages and manicures. Debbie's decision to learn something new during a caregiving crisis led to an unexpected sense of fulfillment and purpose. She shares how learning and growth can be a powerful form of self-care. The hidden cost of attending social events you don't want to go to. If you've ever said "yes" to a dinner only to regret it the moment you arrive, you'll relate to Debbie's story. Learn how to gracefully say no and avoid the "why did I agree to this?" feeling. How to live intentionally, even when life is chaotic. Debbie shares how she committed to writing her book during one of the most challenging times of her life. Her story shows that even in tough seasons, small, consistent steps can lead to big results. Why taking care of yourself is the opposite of selfish. Debbie reminds us that if you burn out, the people who rely on you suffer too. Her advice will reframe the way you think about self-care. How to break free from people-pleasing tendencies. If you struggle to say no because you don't want to disappoint others, Debbie's simple strategies — like not over-explaining your "no" — will give you a new perspective. An inside look at Debbie's new books, The Sprinkle Effect and its companion workbook. These hands-on tools offer exercises and reflections to help you create a more colorful, fulfilling, and intentional life. Resources Debbie Weiss on the Web | LinkedIn | Facebook | Facebook Group | Instagram | TikTok | YouTube | Maybe I Can Podcast | Email Debbie's Books: The Sprinkle Effect Book, On Second Thought…Maybe I Can Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Welcome to Financially Ever After Widowhood. As we're in the heart of the holiday season, we know this time of year can bring both cherished memories and difficult emotions, especially for widows navigating loss. Today, we're bringing back one of our most impactful episodes from last year, featuring Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin. We hope this special replay offers comfort, guidance, and a reminder that you're not alone. Thank you for tuning in, and we wish you peace and support this holiday season. Let's revisit this incredible episode. Jordan draws from her personal experiences with grief, having lost her own mother at a young age and supporting her widowed grandmother through multiple losses. Now a professional coach, she works with women struggling with grief and major life transitions. In this week's show, Jordan and Stacy explore handling loss and loneliness, honoring traditions, and staying financially sound. The holidays can bring up complex emotions such as sadness, anger, and loneliness. This is normal after a major loss. Avoid unhealthy coping strategies like becoming an "isolator" or "doer." Don't overcommit to events or hide away alone. Reflect on your core values. Focus on traditions that align with what matters most, like family time. Make new memories and experiences, especially with children. Gift experiences rather than material items. Have open conversations with family about your grief. Don't pretend to be okay if you're not. Manage your finances by focusing on your values, not material possessions. Stick to a budget for holiday gifts and activities. You don't have to navigate the holidays alone. Seek support from family or a grief counselor during this difficult time. Resources Jordan Schwartz on Website | Instagram | Email | Phone: 917-947-6037   Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com   Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

How can you navigate the emotional complexities of the holiday season, set financial boundaries, and plan for a secure financial future after the loss of a spouse? In this insightful episode, Kim Murray, founder of Widow411, shares valuable financial strategies and emotional insights for widows. She discusses how to handle holiday spending, set healthy financial boundaries, and plan for long-term financial goals, all while coping with the challenges of grief. You'll hear them discuss: The emotional pressure to overspend during the holidays and making clear boundaries around gift-giving and social events are crucial. By being intentional about your spending, you can avoid financial stress and emotional burnout during a challenging time. How material gifts or excessive spending cannot heal emotional pain. Kim encourages widows to be mindful of emotional spending during the holidays and to focus on meaningful ways to celebrate without breaking the bank. The importance of "paying yourself first." By automating savings (such as maxing out your 401(k) or contributing to an emergency fund), you ensure that your financial goals are a priority, even before paying other bills. This sets a solid foundation for long-term security. Having separate accounts for specific purposes—such as travel or holiday spending - gives you peace of mind. It helps keep track of your funds and ensures that you don't overextend yourself financially while trying to fund multiple priorities. Planning for future expenses like car maintenance and retirement. Breaking down long-term financial goals into manageable chunks, like setting aside money for a Roth IRA or emergency savings, makes them feel more achievable. The importance of having an emergency fund to avoid relying on credit cards when unexpected expenses arise. This is an essential step in gaining control over your finances and avoiding unnecessary debt. Funding an HSA and how HSAs can be a valuable tool for saving money for medical expenses. HSAs grow tax-free and can also be used in retirement, making them a flexible savings option. Resources Kim Murray on the Web | LinkedIn | Instagram | Pinterest | Email The Ultimate Survival Guide for Widows - helps widows manage and complete the crushing list of to-dos after a spouse dies. It offers step-by-step instructions for essential tasks like managing finances, closing accounts, and navigating Social Security benefits, taxes, and insurance. Practical tools like fillable templates, checklists, and worksheets to simplify complex tasks empower widows to take control and get things done. Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

What steps can you take to prepare for potential tax changes and secure a financially stable future? In this episode of Financially Ever After Widowhood, Stacy Francis sits down with tax expert Deborah Schaub to break down the complexities of the Tax Cuts and Jobs Act and share actionable strategies to maximize savings and navigate tax planning in a rapidly shifting economic landscape. From understanding current laws to preparing for future uncertainties, this conversation equips you with the tools to make smarter financial decisions today. Listen in as they discuss: Key provisions of the Tax Cuts and Jobs Act, how they impact individuals and business owners, and what might change in the coming years. Why Roth IRA conversions are powerful tools for tax-free growth and how to use them strategically. The importance of analyzing your tax bracket to avoid costly mistakes, such as unexpectedly higher taxes or penalties. Capital gains tax rates: what they are now, what could shift, and how to plan for potential increases. How inflation continues to bite into budgets and the role taxes play in financial planning. Balancing today's tax advantages with future uncertainties through effective tax deferral or realization strategies. Proactive tax planning tips for individuals and small business owners to save money now and minimize risks later. Resources Deborah Schaub on LinkedIn | CNB Accounting Website Phone: +201-787-6542 Email: cfo@deborahschaub.com Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! TCJA Overview: IRS tax reform

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

What rights do families truly have when a loved one's death might have been preventable? In this insightful episode of Financially Ever After, Stacy Francis sits down with Mary Beth Heiskell, a seasoned legal expert in wrongful death cases, to unravel the often-hidden financial and legal challenges families face when tragedy strikes. From the rights of estranged family members in estate claims to practical tips on managing assets and legal appointments, Mary Beth shares indispensable guidance to help families protect their financial future and avoid common pitfalls. Listen in as they discuss: How estate rights can affect you. For example, New York state law grants parents, including estranged ones, a potential share of the estate in certain cases, impacting surviving spouses and heirs. When a spouse wants to serve as the estate administrator, certain family members, such as estranged parents, may need to formally approve the appointment. Planning these steps in advance can help avoid disputes and smooth the process for surviving family members. Steps for proactive asset management, such as transferring ownership of specific assets—such as vehicles, firearms, or real estate—before a loved one's passing can greatly simplify the estate process for survivors. Navigating the complex landscape of wrongful death and estate administration requires specialized knowledge, making expert assistance essential to avoid costly mistakes. Resources: Mary Beth Heiskell on LinkedIn  Email: mbheiskell@gmail.com and info@healthcarepathfinder.com NY - Advance Directories - Make your wishes known and honored NY - Appoint your healthcare proxy 9.11 World Trade Centre Health Program WTC Victim Compensation Fund Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Can prioritizing your health make you more financially secure? In this episode of Financially Ever After Widowhood, Stacy Francis speaks with Dr. Gina Williams, a physical therapist and advocate for holistic well-being, about how wellness influences every aspect of our lives, including finances. Together, they explore practical ways to prioritize health and wellness, discussing affordable care options, the impact of stress on the body, and the importance of self-care. Listen in as they talk about: Gina shares the link between health and wealth with her holistic approach, emphasizing the connection between wellness and financial stability. She discusses founding her own practice to offer individualized care tailored to each client's unique needs. Gina and Stacy explore how grief and stress can lead to physical pain and why self-care is crucial, especially during challenging times. Gina highlights ways to make physical therapy accessible, with insurance, telehealth, and flexible scheduling options. For those feeling overwhelmed, Gina provides simple ways to incorporate movement into daily life, showing that even a few minutes of exercise can have meaningful benefits. Gina discusses the importance of establishing boundaries at work and in personal life to protect both physical and mental health, especially when dealing with grief or stress. She shares how small, consistent adjustments to daily routines—like posture corrections and mindful breathing—can lead to significant long-term improvements in physical well-being. Resources: Dr. Gina Williams on Website I Physical Therapy I LinkedIn I Podcast | YouTube | Instagram | Facebook Email: DrGina@mobilityhealthpt.com I +516-715-2601 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

How to Support Grieving Loved Ones Are you struggling with grief and seeking support? In this episode of Financially Ever After Widowhood, Hope Reger, a passionate advocate for those experiencing loss, shares her journey and insights on coping with grief with Stacy. She highlights the importance of recognizing the unique challenges that come with grieving and emphasizes the value of genuine connection and support. As the founder of Grief 2 Hope, she provides resources and a safe space for individuals to navigate their grief journey.  Hear them discuss: Understanding Grief: Grieving is a deeply personal experience, and acknowledging it can be the first step toward healing. Authentic Support: When helping someone who is grieving, honesty matters—simply saying, "I don't know what to say, but I'm here for you," can be incredibly powerful. Casserole Therapy vs. Specific Help: While well-meaning friends may offer food, true support comes from specific offers to help, like picking up kids or walking the dog, rather than leaving the burden on the grieving person to ask for help. The Importance of Ongoing Support: Grief doesn't end after the funeral. Continuing to reach out during significant milestones—like anniversaries or the first day of school—can mean the world to someone navigating loss. Grief to Hope Program: Open to anyone grieving, this seven-week virtual program provides a supportive community. It covers various topics related to grief and allows participants to share their experiences in a safe space. Inclusivity of Loss: The program welcomes those grieving any loss, whether it be a partner, child, or friend, emphasizing that all grief is valid. Free Resources: The Grief to Hope program is entirely free, emphasizing the mission to support anyone in need without financial barriers. Resources: Hope Reger on LinkedIn | Website | Facebook | Instagram Grief 2 Hope on LinkedIn | Facebook Phone: 937-768-1459  Email: grief2hope2020@gmail.com ''Grief 2 Hope - A mother's memoir of devastation to determination'' by Hope Reger Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Are you maximizing your tax strategies to avoid costly pitfalls? In this episode of Financially Ever After Widowhood, financial expert, Deborah Schaub, shares with Stacy Francis crucial insights into effective tax planning. With a background working for Fortune 500 companies like Price Waterhouse and IBM, Deborah founded CNB Accounting in 2016 to provide personalized financial advice. She emphasizes that many accountants focus on form-filling rather than strategic planning, a gap she addresses through comprehensive tax planning. Deborah's philosophy is simple yet profound: truly understanding your finances is key to avoiding unnecessary losses. Planning for today, next year, and the future can help reduce tax burdens and prepare for financial changes. A 3.8% tax affects high earners (above $200,000 for singles) at federal, state, and potentially city levels; strategic portfolio management can help minimize this tax. Surviving spouses may face higher taxes due to changes in their filing status; careful planning can mitigate the impact. Coordinated planning with financial advisors and CPAs can significantly reduce tax liabilities and manage higher marginal tax rates, especially important for surviving spouses. Net investment income tax is often underreported, but it can result in significant costs if not managed properly. As income increases, especially for surviving spouses, higher marginal tax rates can exacerbate financial burdens. Charitable deductions and bunching strategies are effective ways to reduce taxable income. Many accountants focus on form preparation rather than strategic planning; proactive tax planning can offer substantial savings. Staying within legal tax boundaries is crucial, but smart planning can still significantly reduce tax liabilities. Women facing divorce or the loss of a spouse often need to change accountants to find someone who listens to their unique financial needs. Understanding taxes and personal finances is key to making informed decisions and avoiding unnecessary financial losses. Resources: Deborah Schaub on LinkedIn Phone: +201-787-6542 Email: cfo@deborahschaub.com  CNB Accounting Website  Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Solo agers, people without traditional family supports, are an increasingly common demographic. Dr. Gerda Maissel, a private patient advocate, joins Stacy Francis on Financially Ever After Widowhood to discuss the challenges solo agers face, especially in navigating the healthcare system. Dr. Maissel's expertise as a physician has led her to help individuals maximize medical relationships and make informed decisions. She emphasizes the importance of preparing for solo aging ensuring access to financial, medical, legal, and mental health resources to maintain quality of life as one ages without family support. Key points: Solo Aging: Discusses the growing demographic of solo agers—those aging without traditional family support. Healthcare Navigation: Dr. Gerda Maissel helps solo agers navigate complex healthcare systems, translating medical jargon, and advocating for better outcomes. Informed Decision-Making: Importance of preparing for solo aging, including how to ask the right questions and make informed decisions. Challenges of Solo Aging: Covers the risks solo agers face such as depression, poor nutrition, and substance abuse. Building Support Networks: Advice on creating reciprocal relationships and securing medical, financial, and legal resources. Financial Planning: Addresses the financial challenges of aging, particularly for single women, and the need to plan for healthcare costs. Patient Advocacy: Dr. Maissel explains the role of a patient advocate in helping individuals navigate their medical needs and coordinate care. Resources: My MD Advisor Website | Email | Facebook Dr. Gerda Maissel on LinkedIn | The Foglight Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Paula Jones, a trust and estate attorney, discusses the complexities of estate planning and taxation for U.S. citizens with international assets or family members abroad. She highlights the U.S. system of taxing worldwide income and assets, in contrast to other countries' residency-based taxation. Paula also talks about other subjects she specializes in - gifting to foreign beneficiaries, managing dual jurisdiction tax laws, and considerations for U.S. citizens living or retiring abroad. The importance of coordinated legal counsel across different countries to navigate these issues efficiently is emphasized. Tune it to the new episode of Financially Ever After Widowhood podcast, where host Stacy Francis and guest Paula Jones, unravel the subtleties of tax systems worldwide. The U.S. taxation system requires citizens to report and pay taxes on their worldwide income and assets, regardless of their residency status. Estate planning becomes more complex for individuals with international assets or foreign family members due to varying laws and regulations across countries. When gifting assets to non-U.S. citizens, it's crucial to understand the tax implications and regulations that affect such transfers. Navigating dual jurisdiction tax laws is essential for U.S. citizens with international ties, as they must comply with tax regulations in multiple countries. U.S. citizens living abroad need to be aware of key financial and legal considerations, including tax obligations and estate planning while residing or retiring outside the U.S. Trusts and estate planning tools can be used to effectively manage and protect assets across borders, providing solutions for international asset management. Coordinating legal counsel across different countries is vital for handling complex estate and tax issues effectively. International tax treaties play a significant role in reducing double taxation and simplifying cross-border estate planning. Ensuring compliance with both U.S. and foreign tax regulations is essential to avoid legal complications and financial penalties. Seeking expert advice is crucial for navigating the complexities of international estate planning and taxation successfully. Resources: Paula Jones on LinkedIn Email: Paula@JonesEstateGroup.com Jones Estate Group - Paula is admitted to practice law in the States of New York, New Jersey, and Pennsylvania however, she is happy to entertain working with clients from other states Phone number: +1 484 680 1143 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

When faced with a terminal illness diagnosis, your emotions can be overwhelming. You still need to navigate the legal aspects, however, to ensure that you and your loved ones are protected. Stacy Francis' guest this week is Alison Arden Besunder, a partner in charge of the Trust and Estates department at Goetz Fitzpatrick. Alison has extensive experience in guardianship and estate litigation. She joins Stacy to discuss end-of-life planning, including steps to take when the timeline is limited. Stacy and Alison delve into navigating the healthcare system, and the importance of having critical documents in place to convey your medical wishes clearly.  Highlights from this episode: Ensure you have a healthcare proxy and living will in place to appoint someone as your medical decision-maker and provide evidence of your end-of-life intentions. Discuss end-of-life decisions openly with your loved ones, promoting a foundation of good communication to handle high-stress situations effectively. Even with your best efforts, you may feel helpless when dealing with a loved one's illness, but remember that your support and care are invaluable during these challenging times. Avoid burnout as a caregiver by setting boundaries and not taking on more than you can handle. Seek support from therapists to manage the emotional burden effectively. Find the right caregivers for your loved one by tapping into resources like personal needs guardians or geriatric care managers who can connect you with experienced aides. When navigating end-of-life care decisions, ask questions and advocate for your loved one to ensure the best possible care and treatment options. Bioethics committees in hospitals can offer support and assistance in decision-making, especially in challenging end-of-life care situations. They can help translate medical jargon and provide guidance to both physicians and families. Even without a living will, there are other forms like MOLT (Medical Options for Life Sustaining Treatment) or PULST (Physician Orders for Life-Sustaining Treatment) that can be used to make end-of-life decisions in a hospital setting. Navigating end-of-life decisions for pets also requires careful consideration, and sometimes there may be disagreements between family members on the best course of action. For anyone facing end-of-life care decisions or other financial challenges related to medical care, seeking guidance from financial advisors can be crucial to manage expenses and make informed choices. Resources Alison Arden Besunder on LinkedIn | Facebook | Twitter Goetz Fitzpatrick | LinkedIn Phone: 212-695-8100 x289 Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

What if you received a call or email claiming to be from the IRS, demanding immediate payment for back taxes or threatening legal action? How would you react in a moment of heightened emotion and urgency? In this episode of Financially Ever After, Stacy Francis is joined by Kathy Stokes, who brings a wealth of knowledge and experience in combating financial crimes. As the Director of Fraud Prevention Programs at AARP Kathy brings unique insight into the tactics used by criminals, the importance of education in fraud prevention, and the resources available to protect oneself from scams. Discover how to empower yourself against fraud and safeguard your financial well-being. Understanding that the IRS will not initiate contact through calls or texts unless there is an existing issue is crucial in avoiding potential scams and protecting personal information. With a significant 400% rise in cyber crimes and fraud reported in recent years, it is more important than ever to stay informed and vigilant to safeguard against financial threats. AARP's Fraud Prevention Program, led by Kathy Stokes, plays a vital role in educating people about the risks of financial fraud and providing support to combat these crimes. Eight out of 10 women change financial advisors within a year of their spouse's passing, highlighting the importance of thorough research and due diligence when selecting a new advisor to ensure financial security. Those facing emotional vulnerability, such as widows, are often targeted by fraudsters due to their heightened emotional state, emphasizing the need for awareness and protection. Recognizing red flags like unexpected contact, urgency, and heightened emotions can serve as warning signs to identify and avoid potential scams, empowering you to protect yourself. Regularly monitoring credit reports and implementing credit freezes are proactive measures that can help prevent identity theft and financial fraud, ensuring greater security and peace of mind. AARP's Fraud Network Helpline, staffed by trained volunteers, offers valuable support and guidance to those facing potential fraud, providing a safe space to seek assistance and report suspicious activities for better protection. Resources Kathy Stokes on LinkedIn | AARP | AARP Fraud Watch Network AARP Fraud Watch Hotline: 877-908-3360 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Holly Strelzik, a woman who has experienced her fair share of loss and grief, joins Stacy Francis on this episode of Financially Ever After. From a childhood of divorce and estrangement to the death of a close friend and several traumatic events, Holly has cultivated a profound connection to the art of dying and end-of-life care. As an end-of-life doula and grief recovery specialist, Holly understands the importance of caring for oneself while caring for others. She shares her personal journey as a caregiver and offers valuable insights on finding support and maintaining one's own well-being. Be inspired by Holly's wisdom and compassion as she empowers women to navigate the challenges of caregiving and grief. Taking care of oneself is crucial as a caregiver, as neglecting self-care can lead to negative consequences for both the caregiver and the person being cared for. Holly shares her personal journey of caregiving, from her childhood experiences to her current role as a caregiver for her husband with Alzheimer's. The 2-2-2 plan is a practical approach to ensure that caregivers have support in place for different timeframes, from a few hours to a couple of weeks. Caregivers face a higher mortality risk and need to prioritize their own well-being to avoid caregiver strain. Center for the Heart, founded by Holly, provides end-of-life care and grief support to individuals and families facing terminal illnesses. Grief is a complex process that requires compassionate support and understanding, and Center for the Heart offers a safe space for individuals to explore their grief and find healing. Embracing a spiritual practice or finding solace in nature can be beneficial for caregivers in maintaining their own well-being. Grief can be a catalyst for personal growth and can inspire individuals to serve others who are experiencing similar challenges. Resources Holly Strelzik on Instagram | LinkedIn | Facebook | Podcast | Center for the Heart | Center for the Heart LinkedIn Email: holly@centerfortheheart.com Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Stacy Francis is the President and CEO of Francis Financial, a boutique wealth management, financial planning, and divorce financial planning firm. She's dedicated to providing ongoing, comprehensive advice for successful individuals, couples, and women in transition such as divorce or widowhood. She's 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. And she's the founder of the non-profit Savvy Ladies™, host of the Financially Ever After podcast, and the author of Unveiling the Unspoken Truth: The Financial Challenges Women Face During and After Divorce and Financial Help for Widows - A Complete Resource Guide. Connect with Stacy for practical tips about financial planning before, during, and after divorce, that will help secure your financial future.Web: FrancisFinancial.comIG: @francisfinancialinc FB: @Francis Financial Inc LI: @Francis Financial, Inc. X: @FrancisFinanceYT: @francisfinancial

Robert Farrington, founder of The College Investor, is a student loan and financial aid expert. He guides individuals in making wise college decisions and assists families in managing the challenges of student loan debt. In this episode of Financially Ever After Widowhood, Stacy interviews Robert about how single parents can best save for and pay for college without compromising their own financial security. They discuss 529 savings plans, different types of student loans, as well as strategies to lower college costs. He also shares why it's important for parents to prioritize their own retirement savings first before saving for college. Take care of your own financial stability first before worrying about college savings - there are lots of ways to pay for college later. 529 plans allow tax-free savings and growth for education expenses. Most states offer tax deductions as well.  Federal student loans typically have better terms and options than private loans.   Never borrow more than your expected first year salary after graduating.  Apply for scholarships and grants. Negotiate with the school's financial aid office. Consider community college for the first 1-2 years then transfer to save money. Take AP classes in high school to enter college with credits already completed. Find colleges with good financial aid packages to lower the overall cost. Have open conversations with your child early about money and college expectations. Resources Robert Farrington on the Web | The College Investor Website | Instagram | X | Email Tuition Fit Saving for College FAFSA Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Do you have a family business that could disintegrate into awkward disputes or expensive tax fights when you pass away? This week's guest, Michael Levy, knows all about the dramatic infighting and family stress depicted on HBO's acclaimed show Succession in real life! In over 20 years as an estate planning attorney, he has helped hundreds of families navigate messy succession scenarios. On this episode of Financially Ever After Widowhood, he shares expert insights on smart succession planning with host Stacy Francis, including strategies to transfer ownership interests while avoiding unnecessary taxes safely. Michael stresses thoughtfully and compassionately handling which family members will lead the business in order to future-proof your business.  Succession planning is critical but often neglected by business founders who believe things will continue seamlessly after them. Without a plan, disputes frequently arise between heirs with differing ideas of who should take over the business. Strategies like buy-sell agreements, estate freezes, defective grantor trusts can facilitate tax-optimized succession transfers. Paying for business valuations regularly is wise to avoid surprises later when gifting interests or facing estate taxes. Spouses inheriting interests may still owe taxes, so planning ahead with vehicles like life insurance is key. Advisors like financial planners, estate attorneys and CPAs can help navigate these complex scenarios, so clients shouldn't hesitate to ask questions. Resources Michael Levy on Website | LinkedIn Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Jeanne Jacobwitz is a nurse practitioner and an adjunct professor at Georgetown University and New York University in the Graduate Midwifery and Women's Health programs. She believes that mental, physical, and financial health are interconnected. After losing her husband and experiencing her own grief journey, she co-founded The W Connection, a nonprofit providing support for widowed individuals. Jeanne joins Stacy Francis on this Financially Ever After Widowhood episode to discuss how prolonged stress impacts overall well-being. They also explore the concept of "broken heart syndrome" and the importance of self-advocacy.  Dealing with ongoing stress from grief can seriously affect your physical health, leading to problems like heart issues, a weaker immune system, diabetes, and osteoporosis. It's important for healthcare providers to recognize that mourning is a health risk. Acute grief, often known as "broken heart syndrome," can cause real physical changes similar to a heart attack. It's crucial to identify it quickly. Feeling lonely can have a negative effect on your health, and being a widow often means more isolation. Joining community groups can make widows feel more connected. Widows should speak up for their own health by asking for more doctor visits and focusing on self-care, even when they feel tired and overwhelmed. Finding the right healthcare provider is important. Doing things that boost the "happiness hormone" oxytocin, like laughing, dancing, and hugging, can help you manage stress. Even simple acts like smiling more can make a big difference. Financial struggles add more stress, and most widows start retirement with fewer resources than average. This makes it even more important to stay vigilant about your health. The W Connection offers online support groups, workshops, webinars, and in-person meetups for widows. Being part of this community can help reduce feelings of isolation and loneliness. Taking proactive care of yourself and getting clinical support can significantly improve your long-term well-being. Resources Jeanne Jacobwitz on Website | Instagram | Email  Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

With financial expertise, compassion, and kindness, Stacy Francis educates and empowers women in transition through divorce and widowhood to live their lives to the fullest. During her childhood, Stacy watched her grandmother stay in an abusive marriage because she did not have the skills to effectively deal with money, and this insight both changed Stacy's life and inspired her career in finance. She is a Certified Financial Planner, a Certified Divorce Financial Analyst, a Certified Estate and Trust Specialist, and a Certified Grief Recovery Specialist who is the president and CEO of her company, Francis Financial, and Stacy is also the founder of the non-profit Savvy Ladies, which has positively impacted the lives of over 30,000 women by offering invaluable resources, webinars, and personalized guidance from certified financial experts. Join us for a heartwarming episode filled with wisdom, compassion, and inspiration, as Stacy highlights the significance of financial empowerment for women, explains how grief can affect a widow emotionally, physically, mentally, and even spiritually, describes self-care tools that allow women to take care of themselves emotionally, offers constructive ways a woman can cope with the effects of grief and more! IN THIS EPISODE, YOU'LL HEAR THINGS LIKE:The ways Stacy's grandmother's story inspired the current trajectory of Stacy's life. Why choosing a financial advisor is a “gut thing.”The most objective and unbiased financial advisors are fee-only advisors who don't get paid in any other way but from the client. How the financial decisions a woman makes during her divorce impact her future, and the benefits of working with a Divorce Financial Planner. Why the core values shared by Stacy and each member of her team is highly important for each of her clients.SOME QUESTIONS IRENE ASKS STACY:How does your work as a grief recovery specialist help you to support your clients who are experiencing and grieving the loss of a loved one? In what ways can grief affect a widow emotionally, physically, mentally, and even spiritually?What are the benefits of working with a Divorce Financial Planner?How does the non-profit Savvy Ladies empower women to identify their goals, make proactive choices about their finances, and lead richer, more rewarding lives? Why are the most important professionals a woman needs on her team an estate planning attorney, a financial advisor, and a therapist?

Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin joins host Stacy Francis to discuss navigating the holidays after losing a spouse. Jordan draws from her personal experiences with grief, having lost her own mother at a young age and supporting her widowed grandmother through multiple losses. Now a professional coach, she works with women struggling with grief and major life transitions. In this week's show, Jordan and Stacy explore handling loss and loneliness, honoring traditions, and staying financially sound.  The holidays can bring up complex emotions such as sadness, anger, and loneliness. This is normal after a major loss. Avoid unhealthy coping strategies like becoming an "isolator" or "doer." Don't overcommit to events or hide away alone. Reflect on your core values. Focus on traditions that align with what matters most, like family time. Make new memories and experiences, especially with children. Gift experiences rather than material items.  Have open conversations with family about your grief. Don't pretend to be okay if you're not. Manage your finances by focusing on your values, not material possessions. Stick to a budget for holiday gifts and activities. You don't have to navigate the holidays alone. Seek support from family or a grief counselor during this difficult time.  Resources Jordan Schwartz on Website | Instagram | Email | Phone: 917-947-6037 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

We're thrilled to welcome the remarkable Stacy Francis to the show. She's the President and CEO of Francis Financial, a boutique wealth management and financial planning firm specializing in divorce financial planning. Stacy is a certified financial planner, divorce financial analyst, grief recovery specialist, and certified estate and trust specialist, with over two decades of experience in the financial industry.Stacy is also the founder of the nonprofit organization Savvy Ladies, the host of the Financial Ever After podcast, and the author of "Financial Help for Widows" and "Unveiling the Unspoken Truth: The Financial Challenges Women Face During and After Divorce." Her expertise has earned her a place among the nation's leading wealth managers on CNBC's Digital Financial Advisor Council, a spot in the Forbes Finance Council, and recognition as an expert contributor to The Wall Street Journal.Stacy's passion is driven by her personal experiences. She witnessed her grandmother's abusive relationship with her grandfather, igniting her desire to empower women and ensure they have a strong financial foundation. Stacy also provides valuable insights into recognizing the signs of financial abuse and taking steps to protect yourself. The conversation delves into the significance of prenuptial agreements in marriages, dispelling misconceptions and highlighting their role in safeguarding both partners' interests. Her personal journey, from starting Savvy Ladies and Francis Financial with minimal resources to now being a successful social entrepreneur, is an inspiring testament to the power of resilience, sacrifice, and financial empowerment.Join us for an enlightening discussion with Stacy Francis as we unveil the unspoken truth about financial abuse and empower women to build secure financial futures.Resources mentioned include The National Domestic Violence Hotline at 800-799-7233.

Irene Weinberg shares her journey from profound grief to a renewed sense of inner strength and spiritual wisdom after losing her husband, Saul, in a tragic car accident. Irene's story goes beyond conventional narratives, exploring a spiritual awakening that shaped her healing journey and led her to a passion for helping other grieving women create a divine plan for their lives. She joins Stacy Francis on this episode of Financially Ever After to share her incredible story. Embracing a spiritual perspective can provide solace and guidance during times of profound loss. It's important to seek therapy and professional support in navigating both emotional and financial challenges after the death of a spouse. Your grief can be a catalyst to personal growth and service to others. Irene recounts receiving messages before the accident that foretold Saul's departure. After the accident, she experienced a spiritual awakening, connecting with Saul through renowned medium John Edward. The messages provided undeniable proof of Saul's presence beyond the physical realm. Irene's connection with Saul brought her comfort in knowing that he was not lost and that there was more to life beyond the physical realm. The experience reshaped her perspective on death, eliminating fear and instilling a sense of acceptance. Channeling Saul for her book and podcast allowed Irene to explore deep questions about soulmates, the afterlife, and the universal experience. This process facilitated healing, not only for Irene but also for those who resonated with her journey. Irene emphasizes the importance of not staying stuck in the "swamp of suffering" after a loss. She shares her passion for introducing people to healers and resources through her podcast, helping them move through pain and grief to find joy again. Irene, in her third act of life, continues to pay it forward through her podcast. She strives to inspire others to embrace their purpose and make a positive impact on the world. Resources Irene Weinberg on Website | Facebook | Instagram | YouTube | Email The Grief and Rebirth Podcast on Apple Podcasts | Spotify | TikTok They Serve Bagels in Heaven Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In this episode of Financially Ever After Widowhood, Stacy Francis welcomes Sarah Constantine, an accomplished estate planning attorney renowned for helping ultra high net worth individuals presere and transfer their legacies. Sarah's commitment goes beyond the technical aspects of the law; it stems from a genuine belief in service and a desire to make a tangible difference in the lives of her clients. She and Stacy discuss the human side of estate planning, emphasizing the importance of organizing your affairs to support and safeguard your family. A comprehensive plan to manage your assets starts with foundational estate planning documents. These documents include wills, revocable trusts, powers of attorney, and healthcare proxies. Estate planning should be flexible to adapt to changes in tax laws and personal circumstances. Regular reviews and updates ensure that your plan remains effective and aligned with your goals. Specialized trusts offer tailored solutions for individuals seeking to achieve specific financial, philanthropic, or legacy goals within their estate plans. For example,  Charitable Lead Annuity Trust (CLAT) allows individuals to contribute to charitable causes during their lifetime while eventually passing assets to heirs. It can be a powerful tool for both philanthropy and tax planning. Non-U.S. citizens may be subject to different rules and tax implications than U.S. citizens. Additionally, non-U.S. persons who own assets in the U.S. may be subject to specific rules and taxes. It is important to plan properly to ensure compliance with all applicable laws and regulations. Resources Sarah Constantine on LinkedIn | Arnold & Porter Email: sarah.constantine@arnoldporter.com Phone: 212-836-8066 Stacy Francis on LinkedIn | X(Twitter) Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Planning Your Finances for Life After DivorceEnding a marriage brings major financial changes. In this week's episode of How to Split a Toaster, hosts Seth Nelson and Pete Wright talk with financial planner Stacy Francis about how to prepare your finances for a stable life after divorce. They also tackle a listener question on calculating living expenses post-split.Stacy Francis is a certified financial planner who founded Francis Financial, a wealth management firm specializing in divorce and widowhood planning. She shares her expertise on financial models for equitable distribution, budgeting, managing real estate, and more.Key Discussion PointsCreating a detailed post-divorce budget based on your new lifestyle. Look at current monthly spending and categorize as "needs," "wants," and "savings."Formulas for dividing assets - no more than 30-40% should be real estate.Tips for affording your marital home post-divorce or downsizing to renting. Prioritize kids' needs.Keeping divorce from negatively impacting kids' futures. Communicate about college savings.Becoming an authorized user vs. account holder on credit cards and loans. Check your credit report.Withdrawing retirement funds penalty-free due to divorce, but taxes still apply.Overview of Savvy Ladies, Stacy's nonprofit for vulnerable women.Listener Question AddressedHow to calculate general living expenses and budget for life after divorce when household income is split.Implications of receiving the house but little retirement savings in equitable distribution.Key TakeawaysCreate a detailed budget tracking current spending to plan for your post-divorce lifestyle.When dividing assets, be strategic about taking retirement funds vs. cash.Communicate with kids about how divorce will impact college savings and their futures.Always check your credit report to see accounts you're attached to.Savvy Ladies provides financial advice for vulnerable women.Get essential tips on how to financially prepare for your next chapter after divorce from expert Stacy Francis on this week's How to Split a Toaster!Links & NotesSeth's Sample Financial AffidavitCheck out You Need a BudgetGet your free credit reportGreen CreditSchedule a consult with SethGot a question you want to ask on the show? Click here! (00:00) - Welcome to How to Split a Toaster (00:26) - Meet Stacy Francis (01:03) - Financial Planning After Divorce (47:11) - Wrap Up Establishing trust with Co-Parents can be difficult when alcohol abuse is involved. Use Soberlink as an opportunity to improve co-parenting arrangements. Visit their site to learn more and get a promo code for $50 off.

In this Financially Ever After Widowhood episode, Stacy Francis welcomes Kelley Joyce and Susan Crumiller to explore rejoining the workforce after loss. Kelly, a seasoned career coach, specializes in helping professionals find their career path and realize their dream job. Susan is an accomplished attorney who is known for her work in representing victims of workplace discrimination. They share invaluable insights and guidance on dealing with workplace discrimination and reentering the workforce after experiencing a significant loss.  When grappling with workplace discrimination and career transitions, always prioritize your mental health. Explore flexible work options, update your resume, and seek assistance. Remember, you don't have to go through this process alone; support is available. Clear evidence, such as text messages and written communication, can be crucial in legal situations. Effective communication is key, and creating a record of actions and behaviors is essential for addressing workplace issues. Navigating the workforce after a significant loss requires open and honest communication with supervisors. Balancing work and personal life is possible with the right strategies, such as documenting arrangements made regarding personal obligations. By building strong relationships with your colleagues and managers, you can create a network of support that can help you navigate difficult situations. Additionally, by presenting yourself in a professional and competent manner, you can earn the respect of your colleagues and make it more likely that they will listen to your concerns. Resources Susan Crumiller on Website | LinkedIn | Twitter | Instagram | Facebook | Email | Phone: (212) 390-8480  Survivors Law Project Kelley A. Joyce on Website | LinkedIn | Twitter | Email | Phone: (917) 566-0808  Book your free 45-minute consultation with Kelley today! Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Dawn Nargi is the Executive Director at The W Connection, an organization that provides essential resources for widows looking to rebuild their lives after the loss of a spouse. Beyond her role at the W Connection, Dawn is a widow herself. Balancing personal grief with the demands of single parenthood, her story is a testament to the strength of the human spirit. Dawn joins Stacy Francis to bring not just her professional expertise but also a deeply personal understanding of the journey of widowhood. She delves into the challenges, the risks, and the transformative power of support. Many widows grapple with job loss, reduced income, and the financial implications of their changed status. Navigating the professional landscape can be daunting, especially when balancing grief and potential single parenthood. The W Connection is dedicated to offering resources for widows as they rebuild their lives after the loss of a spouse. Providing invaluable resources, the organization assists widows at various stages of their journey.  Widows need not navigate their workplace challenges alone. By initiating transparent conversations with employers, widows can strike a balance between their work and personal lives without jeopardizing their positions. Social ties are a pivotal part of healing and moving forward. The W Connection, with its community-focused approach, advocates the healing potential of shared experiences.  Resources Dawn Nargi on LinkedIn | Email The W Connection | Become a Member | LinkedIn | Facebook | Instagram | Twitter Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Stacy Francis is the founder of the nonprofit Savvy LadiesTM and 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 PlannerTM (CFP®), Certified Divorce Financial Analyst® (CDFA®), Certified Grief Recovery Specialist® and Certified Estate and Trust Specialist (CESTM) with over 20 years of experience in the financial industry. Stacy is also the, host of the Financially Ever After podcast, and the author of Financial Help for Widows: A Complete Resource Guide as well as Unveiling the Unspoken Truth: The Financial Challenges Women Face During and After Divorce. She is a nationally recognized financial expert being one of twenty of the nation's leading wealth managers on CNBC's Digital Financial Advisor Council, a member of the Forbes Finance Council, as well as an expert contributor for Kiplinger and The Wall Street Journal. She has appeared in hundreds of media outlets and has received numerous industry awards, among them, Forbes Top Women Wealth Advisors, Investopedia's 100 Top Wealth Advisors, Investment News Top 20 Women to Watch in the United States and Financial Planning Magazine's Pro Bono Award. Stacy's info: Website: https://francisfinancial.com/ Website: https://www.savvyladies.org/ Facebook: https://web.facebook.com/savvyladies/ Instagram: https://www.instagram.com/savvyladies/ LinkedIn: https://www.linkedin.com/company/savvy-ladies Twitter: https://twitter.com/SavvyLadies YouTube: https://www.youtube.com/channel/UCVXCxiwThtDLh5ZzxDJqyNA Please click the button to subscribe so you don't miss any episodes and leave a review if your favorite podcast app has that ability. Thank you! Visit http://drlaurabrayton.com/podcasts/ for show notes and available downloads. © 2014 - 2023 Dr. Laura Brayton

In this episode of Financially Ever After Widowhood, host Stacy Francis welcomes Carolyn Moor, the founder of the nonprofit organization Modern Widows Club. Recognized internationally for her impactful TED Talk on supporting those experiencing grief, as well as her appearances on The Oprah Winfrey Show, Carolyn has become a leading advocate empowering women in widowhood to transform their pain into strength. It's critical to have support while you're navigating grief and widowhood.  Widows experience profound loneliness, and need a space where they can discuss their lost loved ones openly. Stacy and Carolyn discuss the double loss experienced by widows—the loss of a partner and the loss of their envisioned future together. Carolyn reflects on her own experience of losing her husband and the immense emotional and psychological impact this type of loss can have on your identity and sense of purpose. Carolyn shares the origins of Modern Widows Club, which began as a simple idea to provide a space for widows of all ages and backgrounds to share their experiences without judgment.  Wisdom emerges from the unique experience of widowhood. Widows possess insights born from singlehood, marriage, divorce, and widowhood, leading to a reservoir of knowledge that can drive advocacy, change, and personal growth. Through listening to thousands of widows, Carolyn discovered common patterns and issues that widows face, such as financial instability, disinheritance, government neglect, and social exclusion. She realized the need to advocate for widows' rights and raise awareness about their challenges. Everyone can play a role in supporting widows, whether they have personal experience or not. Resources Carolyn Moor on LinkedIn | Email | (844) 429-4369 Legendary Widows: Stories of Legacy Modern Widows Club | Events and Programs | Facebook | LinkedIn | Instagram | Email Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

The No Labels, No Limits podcast is excited to introduce a truly remarkable guest, Stacy Francis, President and CEO of Francis Financial, a fee-only boutique wealth management, financial planning and divorce financial planning firm. She also holds these certifications: Certified Financial PlannerTM (CFP®), Certified Divorce Financial Analyst® (CDFA®), and Certified Estate and Trust Specialist (CESTM) with over 20 years of experience in the financial industry. If that wasn't enough, Stacy is also the founder of the non-profit, Savvy Ladies TM, 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.When asked how her work has enhanced her life, she said, "After watching my grandmother stay in an abusive marriage because of a lack of financial knowledge, I decided to find a way to help women and ensure that no one would ever be rendered powerless by a lack of financial education. I founded Savvy Ladies, a 501(c)3 charity, to provide women all over the world access to free financial education and guidance. Savvy Ladies seminars, webinars and helplines have assisted over 12,000 women attain the information and resources they need to lead a financially secure life and to feel empowered by their money decisions. Topics include budgeting, saving, investment planning and regaining financial independence after a difficult life transition."Today, Stacy and I are going to dig deeper into:How her grandmother's death changed the course of her lifeWhat she's learned from founding the non-profit, Savvy LadiesWhy she's so passionate about women's financial security and wealth planningTypical misconceptions and barriers women have about financial planning and what to doLearn more and connect with Stacy here:Instagram: @francisfinancialincTwitter: @Francis FinanceYouTube: https://www.youtube.com/user/francisfinancialFrancis Financial's Facebook: https://www.facebook.com/FrancisFinancialInc/Francis Financial's LinkedIn: https://www.linkedin.com/company/francisfinancialincStacy's Facebook: https://www.facebook.com/StacyFrancisFinancial/Stacy's LinkedIn: https://www.linkedin.com/in/stacyfrancis/Stay connected with Francis Financial: https://linktr.ee/francisfinancialFree Financial Help for Widows Resource Guide: https://francisfinancial.com/financial-help-for-widows/Free Divorce Financial Help for Women Resource Guide: https://francisfinancial.com/divorce-financial-guide-women/ Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Marc Zimmerman is an expert in all things probate. He is the co-founder of The Zimmerman Firm, a welcoming and informative resource for people seeking guidance on this important aspect of the law. He is committed to simplifying the often mystifying world of probate and estate planning and believes in taking a proactive approach to asset management; this has ensured smoother transitions for numerous families during times of loss. Marc joins Stacy Francis on this episode of Financial Ever After Widowhood to demystify the complexities of probate and highlights its significance, especially when assets are involved without a designated beneficiary. Probate, a legal process where assets are frozen until the executor appointed in a will seeks the Surrogate's Court's approval, has seen considerable delays due to the pandemic. These delays can span from six months to over a year and can become more prolonged if any litigation is involved.  A revocable trust empowers individuals with control over their assets and ensures hassle-free access for the successor trustee upon their demise. Transferring assets into this trust is straightforward; while real estate uses deed assignments, tangible personal property, such as artwork, calls for individual assignment documents. Assets in a revocable trust might not invite immediate taxes, yet they remain within the taxable estate. Conversely, assets within an irrevocable trust are viewed as finalized gifts and face different taxation criteria.  Acting on your estate planning requirements can be a gesture of care and responsibility towards your loved ones, ensuring they're spared unnecessary legal complications during an already emotionally taxing period. Resources Marc Zimmerman on the web LinkedIn | Email | (212) 519-5114 The Zimmerman Firm 600 Third Avenue, 35th Floor New York, New York 10016 Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

In this episode of Mastering Your Financial Life, Judy Heft interviews Stacy Francis, President and CEO of Francis Financial. Francis Financial is 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. Stacy 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. Tune into the episode for insights from Stacy Francis: * The most important things to do when you lose a loved one * Specific financial documents that need to be collected once widowed * Who you need to inform when your spouse passes away * How to let others help you when you're grieving * How to navigate handling your late spouse's retirement accounts and benefits Connect with and learn more about Stacy Francis: * Connect with Stacy on LinkedIn: https://www.linkedin.com/in/stacyfrancis/ * Follow Francis Financial on LinkedIn: https://www.linkedin.com/company/francisfinancialinc * Subscribe to Francis Financial's YouTube Channel: https://www.youtube.com/user/francisfinancial * Tune into Stacy's podcast show, Financially Ever After Widowhood: https://podcasts.apple.com/us/podcast/financially-ever-after-widowhood/id1259474146 * Visit Stacy's business' website: https://francisfinancial.com/ * Follow Francis Financial on Facebook: https://www.facebook.com/FrancisFinancialInc/ * Follow Francis Financial on on Twitter: https://twitter.com/francisfinance * Follow Francis Financial on on Instagram: https://www.instagram.com/francisfinancialinc/ * Download a FREE Guide: Financial Help for Widows: https://francisfinancial.com/financial-help-for-widows/ * Email: Stacy@francisfinancial.com * Learn about Savvy ladies, a nonprofit organization Stacy organized over 20 years ago providing free financial education to all women: https://www.savvyladies.org ******************************** In each episode of Mastering Your Financial Life, Judy Heft interviews professionals who help others successfully manage their financial lives. Judy is a Financial and Lifestyle Concierge and Founder & CEO of Judith Heft & Associates. Connect with Judy Heft on LinkedIn: https://www.linkedin.com/in/judyheft/ Visit Judith Heft & Associates' Website: http://www.judithheft.com/ Subscribe to Mastering Your Financial Life on Apple podcast https://podcasts.apple.com/us/podcast/mastering-your-financial-life/id1628822980 Don't miss a video by subscribing to Judith Heft & Associates' YouTube Channel: https://www.youtube.com/channel/UCxnWUm35dJhmCX0XPX_eZhQ

Brian Corrigan is a seasoned expert specializing in trusts, estates, and fiduciary litigation. He brings a wealth of knowledge from his experience handling a diverse range of Surrogate Court matters, including will contests, contested accounting, fiduciary removal and surcharge, and discovery proceedings. With a primary focus on the implications for financial matters, Brian explains how a power of attorney, or an attorney in fact, is pivotal in decision-making on behalf of someone who becomes incapacitated. He joins Stacy Francis to offer key insights into common challenges, New York's legal adjustments, and protective measures against potential misconduct. The choice of a power of attorney plays a critical role, particularly in the context of financial decisions during incapacitation. It's important to select a responsible and trustworthy person, capable of meticulous record-keeping. Understanding the legal nuances and state-specific requirements related to power of attorney is a must. In the absence of a power of attorney, alternatives like guardianship proceedings, though expensive and invasive, may become necessary. To counter potential misconduct or abuse by unscrupulous agents, it's recommended to appoint a monitor who can review the transactions performed by the agent and ensure their propriety. A contingent power of attorney can step in if the primary agent is unavailable. You should have clear and open conversations with potential agents about their willingness and understanding of the responsibilities involved. Resources Brian Corrigan on LinkedIn | Farrell Fritz | Email | T: 646-237-1804 Farrell Fritz  Defensive Estate Planning Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

When faced with a terminal illness diagnosis, your emotions can be overwhelming. You still need to navigate the legal aspects, however, to ensure that you and your loved ones are protected. Stacy Francis' guest this week is Alison Arden Besunder, a partner in charge of the Trust and Estates department at Goetz Fitzpatrick. Alison has extensive experience in guardianship and estate litigation. She joins Stacy to discuss end-of-life planning, including steps to take when the timeline is limited. Stacy and Alison delve into navigating the healthcare system, and the importance of having critical documents in place to convey your medical wishes clearly.  Highlights from this episode: Ensure you have a healthcare proxy and living will in place to appoint someone as your medical decision-maker and provide evidence of your end-of-life intentions. Discuss end-of-life decisions openly with your loved ones, promoting a foundation of good communication to handle high-stress situations effectively. Even with your best efforts, you may feel helpless when dealing with a loved one's illness, but remember that your support and care are invaluable during these challenging times. Avoid burnout as a caregiver by setting boundaries and not taking on more than you can handle. Seek support from therapists to manage the emotional burden effectively. Find the right caregivers for your loved one by tapping into resources like personal needs guardians or geriatric care managers who can connect you with experienced aides. When navigating end-of-life care decisions, ask questions and advocate for your loved one to ensure the best possible care and treatment options. Bioethics committees in hospitals can offer support and assistance in decision-making, especially in challenging end-of-life care situations. They can help translate medical jargon and provide guidance to both physicians and families. Even without a living will, there are other forms like MOLT (Medical Options for Life-Sustaining Treatment) or PULST (Physician Orders for Life-Sustaining Treatment) that can be used to make end-of-life decisions in a hospital setting. Navigating end-of-life decisions for pets also requires careful consideration, and sometimes there may be disagreements between family members on the best course of action. For anyone facing end-of-life care decisions or other financial challenges related to medical care, seeking guidance from financial advisors can be crucial to manage expenses and make informed choices. Resources Alison Arden Besunder on LinkedIn | Facebook | Twitter Goetz Fitzpatrick | LinkedIn Phone: 212-695-8100 x289 Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Charity is not just about giving; it's about making a difference. In this enlightening episode of Financially Ever After Widowhood, Mindy Stern joins Stacy Francis to discuss all things philanthropy. Mindy is a partner at Schwartz Sladkus Reich Greenberg Atlas LLP, specializing in real estate and estate planning. She has a passion for helping clients make a difference with charities during their lifetime and in their wills. She shares her wealth of knowledge on charitable giving, including insights into the intricacies of donations, the importance of understanding the mission of the institutions you support, and the impact of thoughtful giving.  You'll hear Stacy and Mindy discuss: The importance of aligning your charitable contributions with your personal mission. Mindy says that donors need to think through all aspects of their giving, including the potential impact on their estate and personal privacy. Institutional flexibility in using donations. Mindy explains that while institutions will do everything possible to preserve the mission for which the money was given, there may be circumstances where this becomes impossible. In such cases, institutions need to have a "plan B." "Giving big" can have a tremendous impact on both the donor and the recipient. This approach to giving can provide a lot of flexibility and support to the recipient organization. The more specific a donor is about the use of their funds, the more difficult it can be for the institution to ensure that the funds are used exactly as the donor wishes. The role of planning and considering other assets in giving. These conversations can provide a window into the donor's life, revealing what they value and collect, such as antique dolls or cars.  Resources Mindy Stern on the web | LinkedIn Email: mstern@ssrga.com Phone: 212.743.7028 Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Anne DeButte is a respected and empathetic grief coach, author, and podcast host. She has made significant contributions to the field of grief counseling through her comprehensive approach to helping people navigate through their unique grief journeys. Her book, Grief's Abyss: Finding Your Pathway to Peace, encapsulates her insights on the impact of grief and offers practical advice for those who are navigating this challenging life experience. In this episode, she guides people through their healing process by debunking myths, offering strategies for coping, and emphasizing the importance of support and internal work.  Contrary to the adage, time does not heal all wounds. As such, distracting yourself from grieving a loss by filling your schedule may not always be beneficial. The grief journey varies greatly among individuals and rushing the process may only delay true healing. Grief affects individuals mentally, physically, emotionally, socially, and spiritually. Healing requires internal work, such as understanding your stress levels, acknowledging and expressing emotions, and seeking help when necessary. Isolation during grieving periods can be harmful. It's vital to seek support from friends, professionals, or community groups, especially those who can empathize with the experience of loss. This support is not just for advice, but more crucially, for understanding and companionship through a difficult time. Strategies like meditation, journaling, and breath work have been proven to help with the acute pain of grief. Incorporating them into your routine as daily activities may help you get through the day. Resources Anne DeButte on LinkedIn | Twitter | Facebook | Grief's Abyss: Finding Your Pathway to Peace Let's Talk About Grief with Anne DeButte UnderstandingGrief.com Stacy Francis on LinkedIn | Twitter Email: stacy@francisfinancial.com FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Tess Connolly LCSW talks with Stacy Francis, 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.    Learn about Stacy and the work that she does with parents.   Stacy talks about the importance of understanding what the finances of your marriage look like.  Stacy shares with us some useful tools that can help you with budgeting.  Stacy talks about the importance of thinking and having separate discussions about Add-ons in child support to cover expenses beyond typical child support as these require separate negotiation; these might include significant costs like medical, dental, extracurricular activities, and college expenses. Tess and Stacy discuss the different types of 401k and the importance of knowing what you are receiving in your settlement.  Tess and Stacy talk about the importance of making good decisions and setting yourself up for good financial success in the future.   Tess and Stacy discuss the importance of planning for retirement.  Stacy is most grateful for starting a non-profit when she was 26 and then starting a for-profit a year later to finance the non-profit and having her children through doing all of this. She is grateful for helping so many women through her non-profit and being able to pay herself through Francis Financial so she has the security of being able to look after herself and her family financially now and in the future.    Get information about Savvy Ladies here

Here's what to expect on the podcast:How can women ensure their financial security during widowhood and divorce?How can women empower themselves through financial literacy and independence to navigate life's transitions more effectively?What societal factors or gender-related challenges contribute to women's financial instability?What are the three essential considerations to evaluate before making an investment decision?And much more! About Stacy: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 PlannerTM (CFP®), Certified Divorce Financial Analyst® (CDFA®), and Certified Estate and Trust Specialist (CESTM) with over 20 years of experience in the financial industry. Stacy is also the founder of the non-profit Savvy LadiesTM, host of the Financially Ever After the 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. Connect with Stacy Francis!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/Twitter: https://twitter.com/FrancisFinanceInstagram: https://www.instagram.com/francisfinancialinc/YouTube: https://www.youtube.com/user/francisfinancial Connect with Kamie Lehmann!Website: https://www.kamielehmann.com/Facebook: https://www.facebook.com/kamie.lehmann.1Instagram: https://www.instagram.com/shesinvinciblepodcast/LinkedIn: https://www.linkedin.com/in/kamie-lehmann-04683473National Domestic Violence Hotline: https://www.thehotline.org/Get your Podcast on IMDB: https://imdb.failureguy.com/submitpodcastkamieLearn more about how to minimize the emotional side effects of cancer: https://adventurefound.org/The National Eating Disorder Helpline: https://www.nationaleatingdisorders.org/help-support/contact-helpline

Our guest on the podcast today is Stacy Francis. She is president and chief executive officer of Francis Financial, a fee-only financial advisory firm that focuses on serving women, especially those who have experienced divorce or the loss of a loved one. Francis is a certified financial planner, and she's also a certified divorce financial analyst, a divorce financial strategist, and a certified estate and trust specialist. She also founded Savvy Ladies, a nonprofit organization that aims to educate and empower women to take control of their finances. To date, Savvy Ladies has helped over 20,000 women through free one-on-one financial counseling, workshops, and retreats. Francis also hosts her own podcast; it's called Financially Ever After. She earned her bachelor's degree at Middlebury College.BackgroundBioFrancis FinancialSavvy LadiesFinancially Ever After podcastWoman and Money“How Do Women Really Invest?” by Christine Benz, Morningstar.com, March 2, 2021.“100 Must-Know Statistics About Women and Retirement,” by Christine Benz, Morningstar.com, March 3, 2021.“The Biggest Financial Mistake Women Make? Not Investing Enough,” by Arielle O'Shea, The Florida Times-Union, Feb. 15, 2019.“Are Women Better Investors?” by Farnoosh Torabi, farnoosh.tv.com.“Happy Women's History Month—How Can Women Improve Their Financial Wellness,” by Natalie Colley, Francis Financial, March 8, 2022.“Stop Letting Your Man Make These Financial Decisions Without You,” by Dayana Yochim, HerMoney, Oct. 1, 2020.Divorce and Couples“Financial Abuse—The Most Common Type of Abuse That Far Too Many Ignore,” by Stacy Francis, Francis Financial, Sept. 16, 2020.“Financial Abuse Is on the Rise: What It Is and What to Do About It,” by Stacy Francis, Savvy Ladies, Feb. 19, 2023.“Why Financial Advice Is Key Before Beginning Your Divorce,” by Stacy Francis, Francis Financial, Aug. 6, 2020.“Farnoosh Torabi: ‘Money Is Meaningless Without Goals,'” The Long View podcast, Morningstar.com, Sept. 13, 2022.“Why Anyone Getting Married Should Consider a Prenuptial Agreement,” by Julia Rodgers, Savvy Ladies.Divorce Financial Advice for Women: A Free Divorce Resource Guide, Francis Financial.WidowsLastPass“What Do Widows Need to Know About Their Finances When Their Partner Dies,” by Stacy Francis, Francis Financial, Nov. 22, 2021.“Managing Your Finances Through Widow's Fog,” by Stacy Francis, Francis Financial, June 17, 2022.Financial Help for Widows, Francis Financial.