Podcast appearances and mentions of melissa joy

Is your retirement plan based on outdated assumptions—or real-world trends?In this episode of Women's Money Wisdom, Melissa Joy, CFP®, breaks down how retirement is changing—especially for women and Gen Xers. From unexpected post-retirement spending spikes to the growing trend of phased retirement, Melissa shares insights on what today's retirees really need to be thinking about.You'll hear why traditional assumptions about retirement may no longer apply, how inflation and rising costs are impacting timelines, and why confidence levels vary so dramatically between generations and genders.Whether you're planning decades ahead or approaching retirement soon, this conversation will help you understand the trends, risks, and planning opportunities shaping the future of retirement.Key Topics Covered:Why retirement spending often increases—not decreases—right after leaving the workforceThe impact of inflation and rising living costs on retirement timelinesConfidence disparities across age groups and between men and womenCommonly underestimated costs in retirement—especially healthcareHow phased retirement is changing the traditional retirement modelThe importance of flexible, forward-looking planning strategiesTune in to gain valuable insights on how to build a retirement strategy that's both realistic and resilient—regardless of where you are in your journey.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Market volatility can be unsettling—but long-term financial success is rarely built on short-term reactions.In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP® addresses the emotional and financial challenges that often arise during market downturns. As markets enter bear territory, many investors may feel inclined to make significant changes to their portfolios. Melissa encourages listeners to take a step back and revisit their overall strategy, focusing on long-term planning rather than short-term uncertainty.She discusses general principles and planning considerations that can help investors stay grounded, including the potential benefits of maintaining diversified contributions, reviewing withdrawal strategies, and exploring financial planning opportunities that may arise in volatile environments.This conversation is not a recommendation or a forecast, but a reminder that financial decisions are best made from a place of clarity, not fear.Don't forget to check out the most recent Pearl Planning blog with more on tariffs and current market conditions. View here.Topics Covered:

Are big changes coming to the way we pay for college? In this episode, host Melissa Joy, CFP®, sits down with Ann Garcia, CFP®, and  author of How to Pay for College, to discuss the shifting landscape of higher education. With potential policy changes on the horizon, including modifications to student loans, grants, and university funding, families need to be more strategic than ever in planning for college expenses.Melissa and Ann explore the role of the Department of Education, the impact of proposed Parent PLUS loan eliminations, taxation of scholarships and endowments, and how federal research funding plays a pivotal role in the U.S. economy. Ann provides valuable insights on smart financial planning strategies for families navigating the cost of higher education and shares actionable steps for making informed decisions.Key Takeaways:✅ Potential Changes in Higher Education – How proposed federal policies may impact college affordability and financial aid. ✅ Understanding the Role of the Department of Education – What it funds, why it matters, and what could happen if it's restructured or eliminated. ✅ The Risks of Taxing Scholarships & Endowments – Who could be most affected and why financial aid could become even more limited. ✅ Parent PLUS Loans on the Chopping Block? – The pros and cons of eliminating these loans and what it could mean for families. ✅ Why Research Universities Matter – How federally funded research drives economic growth and innovation, from medical breakthroughs to technological advancements. ✅ Financial Planning for College – Smart strategies for families, including using net price calculators, alternative education pathways, and financial aid negotiations. ✅ The Importance of Open Conversations About Money – How to discuss finances with your kids and prepare them for responsible decision-making.Follow Ann on LinkedIn Learn More About Paying for College  Follow on FacebookThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Even as a CNN business correspondent, Alison Kosik struggled with financial imposter syndrome—a reality many successful women face. In this episode, Melissa Joy and Kosik dive into how women can build financial confidence and take control of their money, drawing from Kosik's new book, What's Up With Women and Money: How to Do All the Financial Stuff You've Been Avoiding.With Women's Equal Pay Day upon us, this conversation is more timely than ever. Women still earn just 84 cents for every dollar men make, and while 70% of women now negotiate their salaries, the remaining 30% contribute to the persistent pay gap. It's time for real talk about money, confidence, and financial independence—and this episode delivers exactly that.Takeaways: 

Money is everywhere in our lives, yet talking about it remains one of the biggest taboos. In this episode, we bring together—Kathleen Burns Kingsbury, financial psychologist and author, and Melissa Joy, CFP®, founder of Pearl Planning—to explore why breaking money silence is crucial for financial confidence, wealth-building, and stronger relationships.Key Takeaways:

How can mothers find the support they truly need in a world that often leaves them feeling isolated?In this inspiring episode, Melissa Joy sits down with Ariel Wan, founder of The Mamas Network, a nonprofit dedicated to creating a safe and empowering space for parents. Ariel shares her journey of building third spaces—welcoming environments where moms can connect, share experiences, and navigate the unique challenges of motherhood without fear or judgment.We explore the economic realities of childcare, the balancing act of work and parenting, and why investing in community support is critical for modern moms. Ariel's vision includes coworking spaces with onsite childcare, offering flexible solutions for parents striving to maintain both personal and professional fulfillment.Key Takeaways: ✨ The power of community in reducing isolation for parents ✨ Why third spaces matter & how they help moms thrive ✨ Economic realities of childcare and the need for flexibility ✨ How The Mamas Network is bridging the gap for working moms ✨ The importance of investing in well-being & support networksJoin us for a meaningful conversation about motherhood, financial wellness, and the importance of strong communities. Don't miss this episode! Subscribe now and let's continue creating spaces where parents feel seen, heard, and supported.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Ever wondered how to balance your career ambitions while thriving as a dedicated mom?In this empowering episode, we're diving deep into the balancing act of career ambitions and motherhood with an honest, heartfelt conversation about redefining success on your own terms. Melissa Joy, CFP® is joined by the inspiring Hannah Moore, CFP®—a dynamic leader, entrepreneur, and dedicated mom—who shares her journey of embracing multiple roles while staying true to herself.Whether you're navigating the complexities of the corporate world, building your own business, or managing family life, this episode offers practical strategies and transformative insights to help you thrive in every aspect of your life.What You'll Learn in This Episode:✨ Embracing Multifaceted Identities: Discover how integrating your roles as a professional, entrepreneur, and mom can empower you both at home and in the workplace.✨ Navigating Real-Life Challenges: Hear authentic stories of the struggles and successes that come with balancing career and family.✨ Prioritizing Self-Care: Gain actionable tips for carving out time for yourself amid the daily chaos.✨ The Power of Support: Learn why asking for help, setting boundaries, and delegating responsibilities are essential to sustainable success.✨ Redefining Success: Explore how to challenge societal expectations and create a definition of success that truly resonates with your core values.Tune in for an episode filled with inspiration, actionable advice, and a celebration of the incredible journey of modern womanhood. Join us now and step into a life that celebrates every facet of who you are!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

The Stories: “On my first day as a CFDA member, I stood up in front of then-president Diane von Furstenberg and Steven Kolb and I asked what our industry's plans for sustainability was. I remember the Olsen twins sitting in front of me and turning around, staring at me. Everyone was staring at me. ‘Who is this girl?' Diane and Steven looked at each other and said, ‘We have none.'"The Backstory: Grew up with two creative grandmothers and aunts; one grandmother who was an award-winning quilter and who had hand-selected the rocks that her grandfather built their house with. Her mother is an ‘overachiever,' former lawyer who creates watercolor art and who spent hours with Melissa as a child making food for her Barbie refrigerator. “My dad, although he isn't crafty, is very intellectually creative.”Wisdom Rains: “I tend to look at the shifts and the circularity of my business – marked by what some people might call ‘trauma' – as opportunities to rebuild better. Even though they're really challenging to go through at the time, you really learn what's important, and what you want.”On Inspo: “The way that we make jewelry is so influenced by traditional Mexican silversmithing techniques. I don't do a lot of casting. We hand-make, hand-form, hand-hammer using a lot of the same tools that are used in Mexico. I really appreciate their craft and attention to detail.” Names her mother as ‘super-inspirational' for how she's reinvented herself to achieve many different things over the years.On Community + On Her Store: “People really enjoy getting together and talking about things, trying stuff on and having fun. I've only been in business for as long as I have, because of my community. I've built really strong relationships that have carried me through really challenging times, so I feel like nourishing those, intentionally. My wholesale partners have become a strong focus, so has creating the same type of partnership and energy within my store.”What Else: “There is a lot of technical detail within what we do that doesn't scream, ‘look at me.' It's an understated elegance that allows each person to put their personal stamp on my jewelry when they wear it.”Obsixed: A collection of Melissa's current lifestyle obsessions and brands.Discover more + Shop The Podcast:melissajoymanning.com

Is Your Family Operating Like a Well-Run Business?In this episode, Melissa Joy, CFP®, explore how families can apply business strategies to create structure and intentionality at home. Our guest, Kelly O'Donnell, an expert in the Entrepreneurial Operating System (EOS), introduces the Vision Traction Organizer (VTO)—a tool that helps families define core values, set a long-term vision, and break goals into actionable steps.Kelly shares how identifying what truly matters can guide financial decisions, time management, and overall family priorities. She also discusses the benefits of quarterly family meetings and "same page meetings" for spouses to ensure alignment and clarity. By integrating structured planning and financial strategies, families can create a stronger sense of purpose while maintaining flexibility for life's unexpected changes.Whether you want to strengthen family bonds, improve communication, or set clear financial and personal goals, this episode offers practical insights to help you build a more organized and intentional family life.Resources & Links:

Unlock the secrets of tariffs and their far-reaching impact on our global economy with me, Melissa Joy, CFP®, in this illuminating episode of the Women's Money Wisdom Podcast. Ever wondered how tariffs shape international trade and affect your wallet? Get ready to explore the journey of tariffs from their historical role in federal revenue generation to their modern-day implications under recent U.S. administrations.In this episode, we dive into:✅ The history of tariffs and how they were once a major revenue source for governments✅ Why many economists see tariffs as a negative tax on economic growth✅ How tariffs increase costs for importers and spark retaliatory trade wars✅ The role of trade agreements like NAFTA and organizations like the WTO in promoting freer trade✅ The broader impact of tariffs on everyday consumers and investment portfoliosBut that's not all! While tariffs take center stage, we also shift the conversation to women's financial education—an essential tool for navigating today's economic landscape. Financial literacy is the key to making informed money decisions, and we're here to provide the resources and knowledge to help you thrive.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

How does addiction impact financial planning, and why is it so often left out of the conversation? In this thought-provoking episode, Melissa Joy, CFP®, dives deep into this sensitive yet critical topic alongside Karen Coyne, CFP® of Clarity Planning. Karen shares her personal journey and highlights the significant gap in financial planning education when it comes to addiction and its far-reaching effects on individuals and families.Melissa and Karen explore practical tools for addressing these challenging conversations and discuss how financial advisors can better support clients navigating the complexities of addiction. They also delve into the psychological allure of risky financial behaviors like cryptocurrency and meme stocks and the impulsive decisions these trends can inspire.Plus, Karen shares a personal story about teaching her son the importance of financial education, emphasizing the value of open, honest communication in safeguarding your financial future.What You'll Learn:The often-overlooked link between addiction and financial planningPractical ways financial advisors can approach sensitive client challenges with empathyThe psychological appeal of high-risk financial behaviors like crypto and meme stocksStrategies for fostering transparency and self-awareness in financial discussionsResources & Mentions:Clarity Planning with Karen CoyneRelated Episode: Tackling Mental Health in Financial PlanningThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

In this insightful episode, Melissa Joy, CFP® is joined by Ashley Waddell-Tingstad, founder of Treetown Law, to explore the vital yet often misunderstood world of estate planning. Together, they uncover the significance of preparing for life's expected and unexpected moments with key documents such as powers of attorney and healthcare directives. Ashley's expertise brings clarity to the complexities of estate planning, emphasizing the importance of building strong foundations for navigating transitions and crises smoothly. What You'll Learn in This Episode: Why estate planning matters: How essential documents like powers of attorney and healthcare directives prepare you for life's uncertainties. Probate vs. trusts: Understanding the burdens of probate and how trusts can simplify asset management, especially for families with minor children. Beneficiary designations: Strategies for minimizing the probate process by keeping beneficiary designations up to date. Revocable living trusts: The privacy, flexibility, and tax advantages they offer, and why they're not just for the wealthy. State-specific planning: The importance of consulting a local attorney to ensure your estate plan complies with unique state laws. Post-death planning: How trusts can protect assets from legal and financial vulnerabilities. Resources: Treetown Law LinkedInAshley on LinkedInTreetown Law on FB The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Can political leadership shape our economic future, or do external factors hold greater sway? In this episode, Melissa Joy, CFP®  dives into the complexities of financial planning during uncertain times, particularly as we approach a new Trump presidency in 2024 or 2025. Using historical events like 9/11 and the COVID-19 pandemic as context, she examines how external shocks often overshadow political leadership in influencing economic outcomes. This episode offers actionable insights on navigating volatile markets, safeguarding your health coverage, and building a resilient financial plan.Listen and Learn:Political Leadership vs. External Shocks: Explore the limited influence of administrations on long-term financial outcomes compared to significant external events.Healthcare Planning: Insights from a Washington analyst on the Affordable Care Act (ACA) and protections for individuals with pre-existing conditions, especially for early retirees.Real Estate Market Challenges: Analyze the impact of high interest rates and potential SALT deduction changes on homeownership and property investments.Industry-Specific Insights: Learn how regulation and deregulation might reshape sectors like the auto industry in Michigan.Long-Term Financial Strategies:The importance of a diversified investment portfolio to weather market volatility.Crafting a financial plan to manage economic uncertainties effectively.Guidance on preparing for future downturns without overreacting to political or market shifts.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Imagine starting the year with a solid financial foundation.In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, will guide you through setting intentional and achievable goals using the SMART method. We'll explore how reflecting on 2024's financial accomplishments, no matter the size, can boost your confidence. Discover how writing down aspirations makes them more attainable, and how incremental progress, alongside addressing past financial challenges, can lead to a well-strategized financial journey.Our conversation doesn't stop at goal setting; we delve into streamlining your financial plans by consolidating retirement accounts and reviewing investment costs. Stay ahead of rising insurance expenses, and check to see if your coverage is both adequate and cost-effective. As tax season looms, proactive planning becomes essential, and with future episodes featuring estate planning attorneys, you'll be equipped to handle this often-overlooked aspect. And if you are financially thriving, maintaining well-being through clear goals and regular check-ins is crucial in the new year!Listen and Learn:Intentional Goal-Setting: Using SMART goals to build a strong financial foundation.Streamlining Financial Plans: Consolidating retirement accounts and reviewing investment costs.Proactive Tax Planning: Organizing tax documents early to avoid last-minute stress.Importance of Estate Planning: Tackling this essential step with expert advice.Maintaining Financial Well-Being: Regular check-ins and clear goals for financial success.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/

Ever wondered how to embrace the holiday season with more joy and less stress?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® dives into the pressures of holiday obligations and the transformative power of letting go of perfection. Drawing from her own holiday experiences, including cherished traditions at Greenfield Village, Melissa shares how prioritizing joy can create a more fulfilling season.We explore how social media and personal standards fuel comparison, often leading to stress, and how shifting focus to what truly matters can change both your holidays and your financial mindset. The conversation highlights how women, in particular, can navigate added holiday expectations with grace and confidence.Beyond holiday traditions, we tackle how comparison impacts financial decisions and overall well-being. By embracing imperfection, you can not only manage holiday pressures but also apply these lessons to everyday life, including how you approach money and lifestyle choices.Listen and Learn:Finding Joy in Imperfection: Let go of comparison and embrace your unique journey.Prioritizing What Matters: How small changes can create a more meaningful holiday season.Navigating Financial Pressures: Insights on how comparison impacts financial decisions.Everyday Lessons from Holiday Experiences: Apply these strategies year-round to enhance well-being.Join us as we celebrate the beauty of imperfection and discover ways to make the holiday season—and life—a more joyful and fulfilling experience. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/

Ever wondered how to navigate retirement planning with both financial security and personal fulfillment in mind?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar and author of How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Christine shares her approach to retirement planning, highlighting strategies like annuities, cash flow management, and balancing time-tested methods with innovative ideas. Gain insights into navigating retirement complexities with an open mind and a strategic outlook.We delve into managing retirement finances, including equity compensation, tax strategies, and post-retirement financial decisions. Christine provides actionable tips on handling restricted stock units (RSUs), Roth conversions, and optimizing portfolios based on risk tolerance and long-term goals. Generational lessons and past market experiences add valuable perspective.Christine also emphasizes balancing financial planning with personal fulfillment. Inspired by real-life stories, we discuss aligning work with passions, transitioning gradually into retirement, and making intentional choices for a meaningful future.Listen and Learn:Holistic Retirement Planning: Key strategies like annuities and cash flow management for financial stability.Smart Tax and Investment Moves: Tips on RSUs, Roth conversions, and portfolio optimization.Generational Insights: Lessons from past market downturns and diverse viewpoints.Purposeful Living: Align financial plans with personal passions for a fulfilling retirement.Join us for practical advice and inspiration to help you create a secure and meaningful retirement. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/

What Financial Moves Should Women Prioritize as 2024 Comes to a Close?As the year winds down and the political landscape shifts under the anticipated policies of President Trump, Melissa Joy, CFP®, CDFA®, unpacks the key financial strategies women should focus on to optimize their year-end planning. With potential changes to tax policies—including adjustments to the standard deduction and estate tax limits—Melissa offers expert insights to help you navigate the complexities and prepare for a prosperous 2025.This episode dives into actionable tactics, from maximizing retirement contributions to making strategic property tax decisions, all aimed at setting a strong financial foundation. Additionally, Melissa explores innovative ways to maximize your charitable giving, leverage tax advantages, and celebrate your financial achievements during this reflective season.Key Takeaways:Navigating Potential Tax Changes: Understand how upcoming shifts in tax policies, including the standard deduction and estate tax limits, might impact your financial plans and what steps you can take now to stay ahead.Year-End Tax Optimization Tactics: Learn how to maximize your retirement contributions, make strategic decisions about property tax payments, and take advantage of key deductions before the year ends.Smart Charitable Giving Strategies:Explore the benefits of donor-advised funds and Qualified Charitable Distributions for retirees over 70½.Discover how to utilize the $17,000 annual gift tax exclusion to benefit loved ones.Consider gifting appreciated stock to reduce capital gains taxes while making a meaningful impact.Reflecting on Wins and Giving Back: Celebrate your financial achievements in 2024 and explore heartfelt ways to give during the holiday season that align with your values and goals.Whether you're preparing for changes in tax laws, planning your charitable contributions, or reflecting on your financial journey, this episode is filled with actionable tips to help you end the year strong and step into 2025 with confidence.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

In this heartwarming Giving Tuesday episode, Melissa Joy, CFP®, explores the profound connection between gratitude, philanthropy, and personal well-being. Delving into the science and practice of thankfulness, Melissa highlights how cultivating a gratitude mindset can reshape your financial habits, reduce stress, and bring deeper fulfillment to your life.Key Takeaways:The Power of Gratitude: Discover research-backed ways gratitude can reduce anxiety, improve mood, and enhance overall life satisfaction.Philanthropy as a Gratitude Practice: Learn how incorporating charitable giving into your financial strategy can align your wealth with your values and bring greater purpose to your resources.Practical Gratitude Strategies: Explore simple techniques like journaling, reframing challenges, and celebrating small wins to foster a positive mindset.Overcoming Challenges to Gratitude: Acknowledge that gratitude isn't always easy, especially during difficult times, and gain insights on how to approach it when facing trauma, loss, or life transitions.This episode is an invitation to reflect on the role gratitude plays in your financial and emotional health, especially during the holiday season. Whether through intentional giving or personal practices, discover how gratitude can set the stage for a more prosperous and fulfilling life.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

What if wealth isn't just about numbers? In this transformative episode, Melissa Joy, CFP® is joined by Dr. Daniel Crosby to discuss his latest book, The Soul of Wealth. With 50 thought-provoking essays, Dr. Crosby redefines wealth as more than financial figures—highlighting its connection to personal values, mental wellness, and meaningful living. Together, they navigate the powerful intersection of wealth and well-being, offering insights that will inspire you to approach financial planning in a way that aligns with your core values.Key Takeaways:Redefining Wealth: Learn how The Soul of Wealth shifts the narrative from dollars and cents to a deeply personal and fulfilling approach to financial success.The Impact of Comparison: Discover how the life of Vincent Van Gogh offers a cautionary tale about the effects of comparison on financial and mental well-being.Choosing the Right Reference Class: Dr. Crosby and Melissa share strategies for focusing on personal growth by reframing your reference points and eliminating unhealthy comparisons.Women in Finance: Explore the unique strengths women bring to investing, and how challenging outdated stereotypes can empower financial decision-making.The Role of Gratitude and Giving: Be inspired by stories from The Soul of Wealth that emphasize the power of gratitude and generosity in fostering a healthier relationship with money.Resources: Buy Daniel's Book Here Follow Daniel on LinkedInLearn More about Daniel The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

Have you ever felt like you're not good enough, or that your accomplishments don't really belong to you?   In this episode, Melissa Joy, CFP® dives deep into the topic of imposter syndrome with coach and speaker L.J. Gamble, who shares her personal journey with self-doubt and offers powerful strategies to manage it. Together, they explore what imposter syndrome is, how it affects women in particular, and what you can do to keep it from holding you back in your career and personal life. L.J. emphasizes the importance of celebrating achievements, finding purpose, and reshaping limiting beliefs—all key steps in building confidence and reclaiming your self-worth.  Key Takeaways: Understanding Imposter Syndrome: Many people struggle with imposter syndrome without realizing it. Acknowledge Self-Doubt: Recognizing and accepting self-doubt is the first step to overcoming it. Management, Not Cure: The goal is not to “cure” imposter syndrome but to learn strategies for managing it effectively. Celebrate Achievements: Regularly acknowledging accomplishments builds confidence and resilience. Impact on Growth: Imposter syndrome can be a significant barrier to both financial and professional advancement. Creating a ‘Hindsight Board': Visualizing past successes through a ‘hindsight board' reinforces self-worth. The Role of CBT: Cognitive Behavioral Therapy (CBT) can help change negative thought patterns and boost self-esteem. Finding Purpose: Discovering one's purpose is a cornerstone of personal fulfillment. Workshops for Change: Engaging in workshops and conferences can lead to meaningful personal growth. Empowerment Conference: The upcoming mini-conference is designed to empower women, encouraging them to set and achieve their long-term goals.  Resources: Learn about LJ on her website Connect with LJ on Facebook The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

How can we manage the heavy responsibilities of family caregiving without sacrificing our own financial and emotional health?In this heartfelt episode, Melissa Joy, CFP®, CDFA® sits down with Danielle Miura, CFP®, MSFP, EA, with first-hand experience navigating the complexities of caregiving after her grandmother's fall. Together, they delve into the emotional and financial challenges faced by caregivers and share practical strategies for managing medical care, logistics, and the personal sacrifices that often come with this role. Danielle shares powerful insights from her journey and offers tools to support caregivers in prioritizing their own well-being. Whether you're caring for a family member with dementia or an adult child with special needs, this episode provides a wealth of resources to help you balance these responsibilities while maintaining your health and happiness. Key Takeaways: Prioritizing Self-Care: Discover the importance of setting aside time for yourself and implementing self-care practices, like journaling and meditation, to stay grounded amidst caregiving duties. Understanding Different Caregiving Roles: From supporting elderly family members to helping children with special needs, Melissa and Danielle explore the unique challenges each role presents. Setting Boundaries & Future Planning: Learn about the crucial role of caregiver agreements, boundary-setting, and long-term care insurance for both peace of mind and practical financial planning. Communication & Role Clarity: Danielle emphasizes the need for open, clear communication among family members to reduce stress and ensure smooth coordination of care. Resources:Follow Danielle on LinkedIN Follow Danielle on X Follow Danielle on Instagram Follow Danielle on Facebook  Learn more about Danielle Interviews BlogThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, dives into the importance of maintaining the right mindset on election day and how political outcomes can affect investment decisions. Drawing from her experiences with clients during past elections, Melissa discusses how political shifts often trigger anxiety and the impulse to react quickly—yet emphasizes the crucial value of focusing on a long-term perspective in investing. Melissa highlights how conventional wisdom about political impacts on markets can often be misleading, noting surprising areas of growth in sectors like alternative energy, despite changing administrations. She also provides actionable strategies to help listeners manage stress, stay focused on what they can control, and adopt a "glass half full" approach to economic growth, especially with the upcoming election on the horizon. Listen and Learn: How to set a stable, positive mindset on election day. The ways political changes influence investor emotions and decisions. Why maintaining a long-term investment focus is key, regardless of short-term political shifts. The unpredictable nature of market reactions to elections and why conventional wisdom often falls short. The benefits of staying invested across administrations for long-term financial success. Practical strategies for managing stress and staying resilient through uncertain times.  Join Melissa for an empowering discussion on how a well-thought-out investment process, combined with a positive outlook, can help you navigate economic challenges with confidence. The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

Ever wondered how to manage your hair care routine without stretching your budget too thin? In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Jessica Hawkins, a top stylist and trainer at HJem Beauty, to break down the secrets to smarter hair care budgeting. Jessica shares her expert advice on how to seamlessly weave personal care expenses into your financial plan while still enjoying the hair care you deserve. Jessica dives into the art of open conversations about hair maintenance costs, offering practical tips whether you're a frequent salon-goer or someone who prefers the occasional visit. She'll help you feel confident in making informed financial decisions, all while keeping your hair looking fabulous. Listen and Learn: How to approach personal care budgeting, especially when it comes to hair maintenance. Expert advice on maintaining blonde hair without breaking the bank. Pros and cons of home color applications as a cost-saving alternative. A sneak peek at the upcoming hair trends for winter 2024-25 and how economic factors may influence your salon booking decisions.  Join us for a practical and engaging conversation, packed with beauty wisdom and financial savvy. Whether you're balancing a high-maintenance hair color or just curious about the latest trends, this episode offers valuable insights from the vibrant world of HJem Beauty. Tune in to discover how to stay gorgeous while making smart financial choices for your personal care!  Resources:Follow Jessica on Instagram HJem's Instagram The average woman spends $877 on beauty – survey The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/

What if resilience and strategic thinking could turn the impossible into reality? In this episode, Melissa Joy, CFP®, CDFA® takes us on an inspiring journey through the Detroit Tigers' rollercoaster 2024 season. With a 0.2% playoff chance at one point, the Tigers made a stunning comeback under the expert leadership of manager AJ Hinch. But this story goes beyond the world of sports—Melissa draws meaningful connections between the Tigers' success and essential financial principles that can help you in your personal financial journey. We explore how perseverance, teamwork, and adaptability played a crucial role in the Tigers' turnaround and how those same traits can power your financial planning. By embracing probabilities over certainties, this episode offers insights on how to approach challenges—whether on the field or in life—with a mindset geared toward progress and success. Listen and Learn: The Tigers' astonishing 2024 season comeback and what it teaches about resilience. How manager AJ Hinch's strategic leadership mirrors the role of a financial advisor. Why embracing probabilities instead of certainties can revolutionize your financial planning, especially in times of economic uncertainty. The parallels between sports perseverance and building a financial plan that endures setbacks. Strategies for staying positive and maintaining a long-term perspective during financial challenges. Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Curious about how your fashion choices affect your wallet and the planet? In this episode, Melissa Joy, CFP®, CDFA® sits down with Marcie Greene, a sustainable fashion advocate and adjunct assistant professor at the Fashion Institute of Technology, to explore the connections between fast fashion, personal finances, and environmental sustainability. From her retail beginnings to her passion for eco-consciousness, Marcie shares her insights into how consumers can rethink their buying habits and take small steps toward a more sustainable wardrobe. We dive deep into the hidden dangers of PFAS chemicals often found in everyday clothing, revealing how brands like Patagonia are leading the charge to reduce their impact. Marcie also highlights essential tools such as Good On You and Eco Cult, which can help consumers make informed decisions about sustainable brands, while emphasizing the broader issues of PFAS pollution and human rights in global supply chains. Are you a fashion lover overwhelmed by fleeting trends? We've got you covered! Marcie talks about the joy of vintage shopping and resale platforms like Vestiaire Collective, The RealReal, and Poshmark, providing practical tips for resisting trend-driven shopping and making mindful luxury purchases that reflect personal style. Learn how "shopping your closet" and renting outfits for special occasions can be both financially savvy and environmentally friendly. Listen and Learn: The hidden costs of fast fashion on both your finances and the environment. What PFAS chemicals are and how sustainable brands like Patagonia are combating them. Key resources like Good On You and Eco Cult to help you identify eco-friendly fashion brands. The growing influence of vintage and resale markets, including Vestiaire Collective, The RealReal, and Poshmark. Simple strategies to build a sustainable wardrobe, such as "shopping your closet" and renting outfits. Resources:  Connect with Marcie on LinkedIn Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

The financial and economic impact of menopause is often overlooked, but the numbers are staggering. With 75 million American women in menopause and more than two-thirds of them active in the workplace, the Mayo Clinic reports productivity losses of $1.8 billion and related health care costs reaching an additional $24 billion.In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, welcomes back friend of the show, Julia Carreon. Together, they explore the stigma surrounding menopause and emphasize the importance of taking control of your health and finances before and during menopause. Melissa and Julia also share personal insights on career pivots they've made that coincided with health transitions, shedding light on the intersection between menopause, career, and financial well-being.This episode is an invaluable resource for women navigating menopause and for those who support them, including partners, family members, employers, and even financial planners.Listen and Learn: The economic impact of menopause on women in the workforce and healthcare costs. Why it's crucial to take control of your financial and physical well-being before and during menopause. The importance of addressing the stigma around menopause in the workplace. Resources: Beyond Hot Flashes: A Deep Dive Into Menopause, Work, and the Economy: Forbes Article AARP Economic Impact of Menopause: AARP Study Hal Hershfield's Book: Book Link Dr. Mary Claire Haver's: Website | Instagram Menopause Practitioner Directory  Midi Health Website Workplace Menopause Support: Maven Clinic Connect with Julia: LinkedIn Profile Julia's past episode: Gen Z Disruption with Julia CarreonLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Discover the unique financial landscape of child-free living with Dr. Jay Zigmont, a CERTIFIED FINANCIAL PLANNER® and founder of Child Free Wealth. Together with Melissa Joy, CFP®, CDFA®, they unpack the nuanced financial strategies tailored for those who choose not to have children. From rethinking the legacy you leave behind to understanding long-term care planning without relying on the next generation, Dr. Zigmont offers profound insights that challenge conventional financial wisdom.  Explore the complexities of long-term care insurance and the critical timing for acquiring coverage, especially for child-free individuals. They delve into the cost implications, the necessity of standalone plans, and the crucial role of early planning in supporting aging parents without jeopardizing your own financial stability. Dr. Zigmont sheds light on Medicaid's limitations and the importance of setting boundaries to avoid financial strain.  In a world increasingly leaning towards living child-free, they discuss the multifaceted reasons behind this choice, including financial, political, and environmental considerations. Embrace the growing trend and learn how to navigate life and financial planning without children. Featuring insights from Dr. Zigmont's book, "The Child Free Guide to Life and Money,” they emphasize the importance of recognizing and respecting diverse family structures.   Listen and Learn:  How child-free individuals need to plan for end-of-life expenses, such as long-term care insurance, as they may not have children to rely on for support. Why estate planning is crucial for child-free individuals to ensure their wishes are carried out and to designate someone to make decisions on their behalf. The reason why child-free individuals have the advantage of being able to optimize their spending and make life decisions without the financial constraints of raising children Resources:  Learn more about Jay on his Website  Connect with Jay on LinkedIn Buy his books on Amazon   Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

 Description: Have you ever felt the frustration of miscommunication straining your personal or professional relationships? In this compelling episode of the Women's Money Wisdom Podcast, relationship and communication coach Joni Woods of Journey Coaching shares how she transformed her own communication struggles into powerful personal growth. Together with Melissa Joy, CFP®, CDFA®, they explore the vital roles of self-awareness and accountability, offering listeners practical strategies to elevate their communication skills and enhance their lives. From navigating family caregiving challenges to tackling tough workplace scenarios, this episode reveals how letting go of assumptions can lead to better outcomes. Additionally, we delve into the concept of personal money origin stories, uncovering how our early financial experiences shape our current behaviors and decisions. Tune in for this enlightening discussion and embark on your journey toward stronger relationships and greater financial wisdom today.  Listen and Learn: Discover why healthy communication is the foundation of strong relationships. Understand the importance of active listening and empathy in extending an olive branch and resetting communication lines. Learn how third-party mediators can play a crucial role in opening up dialogue and finding effective solutions. Explore how communication challenges can surface in diverse settings, from co-parenting to workplace interactions and family dynamics. Resources:  Learn more about Joni on her Website  Connect with Joni on LinkedIn Follow Joni on Instagram Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

Unlock the secrets to maximizing your Health Savings Account (HSA). Discover strategies that can turn your HSA into a powerful financial tool for both immediate and long-term goals. Melissa Joy, CFP®, is joined by Bill Stuart, a leading expert who has been pioneering HSA knowledge since their inception in 2004. In this episode, they guide you through the myriad benefits and complexities of HSAs, revealing how these accounts combine the best features of IRAs and FSAs. Learn how to save pre-tax dollars, grow your savings tax-free, and make tax-free withdrawals for qualified medical expenses—all while ensuring your plan is HSA-eligible. They discuss treating your HSA as a lifetime account, allowing funds to accumulate tax-free without the pressure of annual reimbursements. They illustrate how paying out-of-pocket for medical expenses can let your HSA grow, which is especially beneficial during retirement. They also explore the investment potential of HSAs and their role in bridging the gap between early retirement and Medicare, highlighting the importance of selecting the right beneficiaries to ensure continued financial support for surviving spouses. Tune in to understand how you can leverage HSAs to their fullest potential and safeguard your financial future. Key Takeaways:  HSAs offer immediate tax benefits and can be used as a powerful tool for retirement planning. Eligibility for HSAs is based on specific criteria, including the type of health plan and coverage. Contributions to HSAs are tax-deductible and can be made by both individuals and employers. HSAs offer investment options, and the funds can be used for qualified medical expenses tax-free.  Resources:  Purchase Bill's book: HSAs: The Tax-Perfect Retirement Account  Connect with Bill on LinkedIn   Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

Summer is winding down, and there is a lot to unpack from the past few months. All the medals have been awarded and as we step off the podium and look towards fall we can't forget some key takeaways.  In the episode, Melissa Joy, CFP®, CDFA® reflects on the summer of 2024, discussing the stock market volatility and the lessons she learned from the Olympics. She emphasizes the importance of maintaining a positive outlook and not catastrophizing, drawing parallels between the Olympics and investing.  Melissa also highlights the need for diversification in portfolios and the celebration of access and women's participation in both sports and the economy. Listen in and share this episode. Key Takeaways: Reminder to diversify your investment portfolio to include different types of assets and investments. Celebrate access and women's participation in sports and the economy. Stay vigilant against fraud and conduct due diligence when making investment decisions. Be open to learning from real-life examples, such as the Olympics, and applying those lessons to investing.  Resources: Pearl Planning Summer Investment & Economic Update US Women's Soccer Team Completes Turnaround for Gold Last place marathoner gets first-class Olympic moment USA Rugby receives transformative gift USA Women won more than half of team's medals Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

If you're a business owner, you know that the numbers matter. Accurate tracking of cash flow, expenses, and income help you keep tabs on the financial health of your company.  In this conversation, Melissa Joy speaks with Ronisa Clark, an expert in bookkeeping for business owners and founder of her own company, Dream Joy Consulting. You'll hear about the importance of keeping finances in order, common issues faced by business owners, and the basics of cash flow management.  From experience, Ronisa shares why accurate bookkeeping and using an accounting system from the start is crucial for your business. You'll also hear about the importance of separating personal and business expenses and the potential tax implications for business owners. Overall, the conversation will give you valuable insights ... whether you are an aspiring entrepreneur or are currently running your own company.  Listen and Learn: How accurate bookkeeping is crucial for business owners to understand their cash flow and financial health Why using an accounting system from the start can help track expenses, income, and financial statements more effectively  Ways to plan for tax season and how seeking the advice of a tax strategist or planner can help minimize tax liabilities.  Resources:  Learn more about Ronisa on her Website  Connect with Ronisa on LinkedIn Follow Dream Joy Accounting on Facebook Additional Information about Ronisa as a QuickBooks Pro Advisor    Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

Medicare can seem like a mystery. Whether you are nearing the age to sign up or your parents have questions you're trying to help them answer, this episode is dedicated to demystifying all the options.Melissa Joy and Joanne Giardini-Russell, Owner of Giardini Medicare, talk about what your healthcare can look like in retirement. Understanding Medicare and making informed decisions about enrollment and coverage options isn't easy. Listen and learn about the potential costs associated with Medicare and the need for proper planning. Joanne shares her expertise and provides resources for anyone approaching Medicare age. Medicare decisions are not the same for everyone. You need personalized advice and guidance in navigating the complex world of Medicare... especially during the open enrollment period for Medicare, where changes can be made to Medicare Advantage and drug plans. Understanding the rules and timing of Medicare enrollment has the potential to impact your HSA and IRMA charges. Get informed so you can make the best decisions about your health and money.Listen and Learn:The difference between Medicare, Medicare Advantage and Medigap plans Ways to make informed decisions about cost and coverage to select the right plan for you during retirement The rules and timing of Medicare enrollment, as well as the potential impact on HSAs and IRMA chargesResources: Learn more about Joanne on her Website Connect with Joanne on LinkedInFollow Joanne on YouTube Listen to Joanne's PodcastAdditional Information about Medicare Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

In this conversation, Melissa Joy and Sarah Silvennoinen of My Motivation Counseling, discuss the importance of effective communication, especially when it comes to talking about money. They highlight the need to understand different perspectives and backgrounds in order to avoid miscommunication. They emphasize the importance of identifying and communicating personal wants and needs, even if they may not be rational. They also discuss the role of financial planners in integrating fun and quality of life into financial planning. The conversation concludes with strategies for improving communication and advocating for oneself.   Listen and Learn:  Strategies to navigate financial differences and how to set rules for spending to help with decision making  How to advocate for oneself and why honoring personal values and emotions is essentialWhy effective communication is crucial when discussing money and financial planning Resources:  Learn more about Sarah on her Website  Access Sarah's Community Provider Information Connect with Sarah on LinkedIn     Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

Send us a Text Message.Have you ever wondered what it takes to be a transformative leader? Our guest for today, Melissa Joy MBA, a seasoned talent leader and certified master coach, has an inspiring story to share. Her early experiences in the foster care system ignited her passion for empowering others, and that same passion has fueled her rise in the field of human resources. Melissa speaks about the importance of nurturing the next generation of leaders and inspiring women to reach their full potential. Her insights on reflection, realignment, and personal growth will give you a fresh perspective on transformational leadership.In the second part of our enlightening conversation with Melissa, we delve deeper into community engagement, overcoming hurdles, and the art of collaboration.She shares her vision for transformational growth and how she's fostering this through her work. You'll learn about her free workshops, speaking engagements, and how you can join hands with her to make a real difference. She also talks about the value of self-awareness, the power of looking back on one's failures, and how these experiences can pave the way to success. Whether you're looking to collaborate with Melissa or simply seeking insights on personal growth and leadership, this episode is something you definitely should not miss.Melissa Joy DaltonFounder/Talent Coach & ConsultantWeb: www.coachingbymel.comBook Appointment: www.mycoachmel.comEmail: Melissajoyllc@gmail.com Support the Show.We hope you found the episode to be enlightening and insightful. Our goal is to create content that not only entertains but also helps you grow spiritually and connect with your inner self. If you enjoyed listening to this episode, we would greatly appreciate it if you could take a moment to like, subscribe, and write a review. Your feedback is incredibly valuable to us and helps us to improve the quality of our content and reach a wider audience. We believe that by sharing knowledge and insights about spirituality, we can help to inspire positive change and personal growth. So, if you find our podcast to be meaningful and informative, we encourage you to share it with your friends and family. You TubeFacebookFacebook Group The Road To Spiritual AwakeningSpiritual Awakening 101 Guide

The way you or your partner spends money can have real impact on your relationship. In this episode, Melissa Joy interviews Scott Rick, author of the book 'Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships.' They discuss the different approaches people have towards spending money and how it can impact relationships. Scott defines tightwads as individuals who experience distress and anxiety when thinking about optional purchases, while spendthrifts are more present-oriented and tend to regret their purchases later. They also explore strategies for navigating financial differences in relationships, such as having joint accounts and setting tiebreaker rules for spending decisions. The conversation concludes with a discussion on the influence of parents' spending habits on their children and future research topics in the field. Listen and Learn: Strategies to navigate financial differences and how set rules for spending to help with decision making  How parents spending habits can influence their children's financial behaviors and how it is important to be mindful of the messages we send about money to our kidsWhen it comes to financial psychology, we explore topics such as prenuptial agreements and how couples can better resolve financial disputes.  Resources:  Purchase Scott's book: Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships Connect with Scott on LinkedIn Follow Scott on Twitter Learn More About His Research  Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. 

Have you ever wondered how financial stress impacts mental health and what can be done to address it? In this episode, Melissa Joy and Lindsay Bryan-Podvin discuss the Financial Empowerment Initiative at the University of Michigan, focusing on the intersection of money and mental health. Lindsay shares insights from her work and the impact of the workshops on participants. They also explore the challenges and misconceptions around seeking financial advice and therapy.Listen and Learn:How the Financial Empowerment Initiative at the University of Michigan connects money and mental healthHow to navigate challenges and misconceptions around seeking financial advice and therapyThe significance of educating yourself about reputable financial professionals and finding the right fit for your financial and mental health needsResources: Visit Mind Money BalancePurchase Lindsay's book: The Financial Anxiety SolutionFollow Lindsay's Podcast Follow Lindsay on YouTubePast Podcast Episode: Getting Over Fears of Talking about MoneyOvercoming Financial Anxiety video with LindsayNavigating Money Issues with a PartnerFinancial Therapy with Nate AstleLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

The rates are high in the mortgage world. There's no denying it! In this chat, Melissa Joy dives into the ever-changing landscape of mortgages with guest Erica Powers, CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. We'll spill the beans on today's mortgage scene, chat about savvy refinancing moves, and talk about some little-known home buying hacks. Plus, we'll bust some mortgage myths wide open! It all starts with being well-informed.Listen and Learn1. Are the rates high? We talk historical averages for some comparison.2. Buy now or wait for the rates to drop? Homebuyers get some advice on waiting, prices, and limited inventory.3. How to add up the costs of homeownership (property taxes + insurance + maintenance).4. Refinancers beware! How to balance the costs, potential savings, and long-term financial impact of your refi.5. Special tips for first-time homebuyers to help bridge the gap between savings and that hard-to-reach down payment.Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

This episode, originally aired on "is that cashmere?" hosted by Becca Hoeft and Anna Kincannon, explores the connection between fashion choices and financial decisions, especially during the pandemic. Melissa Joy, CFP® joined Becca and Anna to discuss saving money, planning for the future, and teaching children about finance.This lively conversation covers how money impacts relationships, the importance of diverse financial advice, and managing finances during major life events like divorce. Listen and Learn:How pandemic fashion relates to spendingWays to balance personal growth and financial growthHow to manage finances during big life changes Resources:Listen to ‘is that cashmere?' Follow Becca Hoeft Follow Anna KincannonLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Melissa Joy, CFP® and Cathy Curtis, CFP®, dive into a serious topic: financial fraud against elders. Cathy explains that while scammers try to trick seniors into giving them money illegally, there are many ways to spot these scams and keep your elderly loved ones safe. Listen to gain the know-how and tools to avoid fraud smoothly as you or your loved ones get older.  Listen and Learn:The common scams being used today to steal from eldersWarning signs that may indicate an elder has already fallen victim to fraudWhat to do if you think a loved one's money was taken by scammersResources and organizations dedicated to preventing elder financial abuseResources:Check out Cathy's Firm Follow Cathy on LinkedInFollow Cathy on InstagramRead Cathy's Op-Ed in CNBC Listen to Episode 59: Inheritance Mistakes with Cathy Curtis Monitor fraud with EversafeHow to report Cyber CrimeWhere to report FraudCheck out Cyber SeniorsLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Do you dream of retiring early? Planning carefully is an important part of ending full-time work ahead of schedule. The path to early retirement is different for everyone - you have to look at your unique situation and decide your own goals. Alternatively, some people need to retire earlier than they intended to, so it's smart to have a strong retirement plan in place in case something unexpected happens.Melissa Joy discusses ways to access your retirement savings without penalties if you retire before the traditional retirement age and different options to consider for an early retirement strategy.  With proactive planning and a good mindset, early retirement may be a possibility for you regardless of what inspires you to stop working. Listen and Learn:Why it's important to plan ahead for early retirementStrategies for accessing retirement funds earlyWays to grow your savings and income for an early exitHow to prepare for a fulfilling life without workResources:Register for our June Webinar: How to Prepare for an Early Retirement Retirement Readiness Reports Retirement Statistics by Gender Pew Research Retirement Studies Watch our 2023 Retirement Readiness Webinar Replay Listen to Women's Money Wisdom Episode 49: Visualizing Retirement Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Guest: Melissa Joy, Founder of Pearl PlanningThe first of the Cashmere Confessions are out! Plus, Melissa Joy, President of Pearl Planning, shares invaluable financial insights tailored to meet you where you are in life. Dive into her pearls of wisdom, making financial planning approachable and achievable for all.

Melissa Joy is joined by teacher Melissa Gordon to explore why it's crucial for kids to learn about money management early on. Melissa Gordon shares why it's never too early to start developing budgeting, investing, and retirement planning skills.This episode discusses how having open money conversations at home and school can prevent future financial pitfalls. Listen for why your kids should get involved with hands-on money projects and how you can help guide them as parents. Listen and Learn:The importance of early financial educationTips for making money lessons engaging for kidsRecommended books and programs for building money skillsResources:Follow Melissa Gordon on Twitter and LinkedInTeen Teach In Video for AAPS Next Gen Personal Finance The Psychology of Money by Morgan HouselMind Your Money by Yanely Espinal Episode 127: First Generation Wealth with Valerie RiveraBroke Millennial by Erin Lowry Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Melissa Joy is joined by Dr. William Schulz, former Executive Director of Amnesty International USA to discuss the importance of staying hopeful during turbulent times. How can we stay positive during times of uncertainty? Dr. Schulz explores how hope can be a driving force for change - leading to improvements in our own communities as well as a more just world. The lessons taught in this episode are valuable for all - from investors to friends. Listen and Learn: The ‘why' behind Amnesty International's missionHow to remain resilient despite injustice in the world The importance behind conscious consumption and where you spend your moneyResources:Purchase Dr. William Schulz's Memoir: Reversing the Rivers: A Memoir of History, Hope, and Human RightsDiscover More Books by Dr. William SchulzLearn more about Amnesty International USAHuman Rights | United NationsLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Whether you've already filed your taxes or still need to request an extension, Melissa Joy shares her post-tax season tips and tricks. Discover how you can pave the way for a smoother tax season experience and take control of your money in the year ahead. Listen and Learn: Why it's important to discuss taxes with your financial advisor Which resources you should use during tax season and afterWhen to consider reviewing and adjusting your tax withholdingsResources:How to Extend Your Federal Taxes State of Michigan Tax ExtensionTax Aware Investment Strategies Webinar Tax Withholding Calculator (IRS)Tax Withholding – How to Get it Right Restricted Stock Taxation Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Melissa Joy is joined by Financial Behavior Specialist®, Speaker, and Therapist Ashley Quamme LMFT, to discuss the intricate intersection of relationships and finances. How do we talk about money with a partner when our perspectives differ? What are practical ways to navigate when one partner is a spender, and the other is a saver? Ashley dives into the complexities of love and money and how to navigate the money differences that happen in many relationships.  Listen and Learn: Common challenges couples face when discussing finances and tips to overcome themHow to use communication to navigate differences in spending habitsThe significance of listening, empathy, and vulnerability in client-advisor relationshipsResources:Visit Beyond the PlanFollow Ashley on LinkedInFollow Ashley on TwitterListen: Episode 48: Financial Therapy with Nate AstleListen: Episode 212: Even Out The Power Scales of Marriage and MoneyLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Melissa Joy is joined by philanthropist Aly Sterling, President and Founder of Aly Sterling Philanthropy, to discuss the transformative power of philanthropic giving. Aly shares powerful insights from her experience in facilitating major gifts while offering guidance on how to make your charitable donations more strategic. In this thought-provoking conversation, you'll discover how to maximize your philanthropic impact, whether you're giving millions or just starting your charitable journey. Listen and Learn: How to make your charitable donations more strategic and impactfulThe benefits of giving during your lifetime vs. leaving a philanthropic legacyTips for maximizing tax advantages when making charitable contributionsResources:Visit Aly Sterling Philanthropy WebsiteLearn more about Aly SterlingFollow Aly Sterling on LinkedInPurchase Aly Sterling's Book: 37: The Year I Stopped Making Excuses, Embraced My Power, and Launched My Million-Dollar BusinessRead: $1 Billion Dollar Donation Will Provide Free Tuition at a Bronx Medical SchoolWatch: NYC Medical School Eliminates Tuition After $1 Billion GiftRead: Why A $1 Billion Gift to Medical School Moved So Many PeopleRead: Will a $1 Billion Medical School Donation Help Make the Bronx Healthier?Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Struggling with financial dynamics in your relationship? You're not alone. Melissa Joy delves into the power balance in marriage and money and explores how this affects all partnerships, offering valuable tips for combining finances, open communication, and shared planning. No matter the stage of your relationship, this conversation is for you. Listen and Learn:Simple steps for couples looking to combine their financesHow to have transparent communication and shared financial planningStrategies for managing finances together in a relationshipResources:Read: In a Growing Share of U.S. Marriages, Husbands and Wives Earn About the SameRead: When Couples Fight About Money, What Do They Fight About?Read: Married Couples Who Merge Finances May Be Happier, Stay Together LongerListen: Episode 133: Money Secrets in Your Net Worth with Rachael CampLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

When should you get serious about saving for the future (older) you? It's never too late to start or reassess your retirement strategy. Whether you're a super saver, an average saver, or doing well but unsure if you're on track to retire comfortably—this episode has something for everyone. Melissa Joy discusses options for multiple stages of retirement planning and what you can do if you're traditionally employed, a business owner, or have experienced career setbacks along the way.Listen and Learn:When it's time to get serious about retirement planningThe key steps to take to understand your retirement outlookHow to improve your trajectory no matter which group you fall intoResources:Watch our 2023 Retirement Readiness WebinarDiscover how the average American feels about retirement readinessLearn more about the XYPN NetworkFind out how to get started with Pearl Planning's retirement planning and analysis servicesLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Dr. Sue McCreadie, a pediatrician and women's coach, joins Melissa Joy to discuss how mindset and emotions impact financial well-being. Drawing from her experience in pediatric care, Dr. Sue shares insights on promoting mothers' health and mindsets. This transformative conversation covers the connection between women's roles, taking control of one's life, and financial empowerment. Listen and Learn:How mastering mindset and emotions can transform your financial well-beingThe importance of understanding and honoring your own money personalityHow to normalize conversations about money with your partner and kidsResources:Learn more about Dr. Sue McCreadie, MDTake the SoulFULL Medicine QuizLearn more about Pearl PlanningLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.

Melissa Joy explores a significant yet often overlooked trend: the increasing dependence of adult children on their parents for financial support. Drawing from a recent Credit Karma survey, which reveals that one-third of American adults rely on parental financial assistance, Melissa delves into the problems this trend can cause for parents while also providing practical measures to promote financial independence within families.Listen and Learn:Proactive ways to prepare your kids to support themselvesWhat to do when you're ready to reduce your financial supportHow to manage if you are overcommitted & need to cut the financial cord nowResources:Read: These Families Are Shutting Down the Bank of Mom and DadRead: Nearly One-Third of American Adults Rely on Their Parents for Financial Support Read: The 3 Money Conversations to Have With Your KidsListen: Women's Money Wisdom Ep 161: Teaching Teens the Value of MoneyLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.Data Sources: Capital Group, RIMES, Standard & Poor's.