View Details

Real estate decisions carry enormous financial weight, and yet many people navigate them with a realtor who treats the work as a side hustle rather than a true advisory relationship. Melissa Joy, CFP® sits down with Donna Castillo, a top 1% producer realtor with Intero Real Estate Services in Silicon Valley, to talk about what separates a transactional agent from a real financial partner. Donna shares how she works with clients neighborhood by neighborhood, weighing schools, square footage, and competitive dynamics so buyers can win a home without overpaying by six figures.

The conversation turns to Donna's R.E.A.L. Method, a framework she created specifically for homeowners over 55 who are weighing whether to stay put, downsize, or explore new options like an ADU or a 55-plus community. Melissa and Donna cover capital gains exposure on long-held homes, the role of a good lender in structuring financing around equity compensation and investment portfolios, and why having candid family conversations about aging in place, trusts, and estate plans is one of the most generous things a person can do for the people they love.

What You'll Learn

• Why working with a realtor who treats real estate as a true advisory relationship, not a side hustle, matters most on high-value transactions
• How hyper-local market knowledge, down to the specific street, shapes a competitive offer strategy
• The R.E.A.L. Method: a framework built for homeowners 55-plus to evaluate reality, equity, available options, and lifestyle impact
• How capital gains exclusions work for primary residences, and why the math differs for single versus married homeowners
• How a 1031 exchange can defer capital gains on rental property, and why the full proceeds need to stay in real estate
• Why using investment portfolios, RSUs, and other equity compensation to finance a home purchase requires careful tax planning with the right lender
• The importance of having proactive conversations with family about aging in place, trusts, and estate plans before a crisis forces the decision

Connect with Donna:

Website: donnacastillo.com

Facebook: facebook.com/gotodonna

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...

View Details

Most investors assume the key to building wealth is picking the right stock. Melissa Joy, CFP®, says the far more important decision is how you structure your portfolio in the first place, and how much risk you choose to take on. In this solo episode, Melissa breaks down asset allocation, the mix of cash, bonds and stocks that make up an investment portfolio, in plain language, without requiring a finance degree to follow along.

Melissa walks through the fundamentals of stock and bond investing, explains the common shorthand investors use to describe their portfolios (like 60-40 or 80-20), and shares how she helps clients think through allocation decisions using broader, 15 to 20 percent notches rather than micromanaging every 5 percent. She also digs into the questions that matter most when setting your own mix: your time horizon, your investing psychology, your tax situation, and how you would actually feel if your portfolio dropped 20 to 30 percent for an extended period. The goal, she says, is not the perfect allocation. It is one that helps you stay invested through both difficult and exuberant markets.

What You'll Learn

• What asset allocation actually means, and why it matters more than picking individual stocks
• The differences between cash, bonds and stocks, and the pros and cons of each
• How to read portfolio shorthand like 60-40 or 80-20
• Why Melissa builds portfolios in 15 to 20 percent notches instead of fine-tuning by 5 percent increments
• How time horizon, investing psychology and tax considerations shape the right mix for you
• Why the first days of retirement can be the riskiest, and how allocation needs can shift over time
• How to check your current asset allocation and decide whether it needs adjusting

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...

View Details

AI has made everyday life more convenient, but it has also given scammers a powerful new set of tools. In this episode, Melissa Joy, CFP®, is joined by Patrick Coughlin, CEO of Savi Security and author of the new book The Dark Side of the Boom: How Scammers Hijacked the AI Revolution. After building and selling a cybersecurity company to Splunk, Patrick shifted his focus to protecting everyday families following a deeply personal experience: a sophisticated AI voice cloning scam that targeted his own mother.

Patrick walks through how AI tools are supercharging scam operations around the world, why imposter scams have become the most reported fraud type in the country, and the practical habits families can build to protect themselves, from creating a family code word to running a second channel check before sending money. Melissa and Patrick also discuss the role financial advisors and trusted contacts can play in catching fraud early, and how parents can talk to kids and teens about digital safety without shame.

What You'll Learn

• How an AI voice cloning scam targeted Patrick Coughlin's mother, and what helped her recognize it in time
• Why digital fraud now costs Americans almost $200 billion a year and has grown eightfold since the launch of ChatGPT
• The "five families of fraud" and how scam organizations around the world specialize like businesses
• Why imposter scams are now the number one reported fraud type, making up 33 percent of all scams in 2025
• What a "hot zone" moment looks like, and the three ingredients scammers rely on to pressure victims
• How a family code word and a second channel check can stop a scam before money changes hands
• Why caller ID can be faked, and what to do instead if you get a call from your bank's fraud department
• The role trusted contacts and financial advisors can play in catching fraud early
• How to talk with teens and aging parents about scams without shame, and why younger generations are targeted more often than they realize
• How free tools like ScamWise can give you a fast second opinion on a suspicious text, email, or piece of mail

Download the Digital Fraud Protection Guide

Connect with Patrick: LinkedIn

Follow Patrick: Instagram

Savi Security: Website

Savi Security LinkedIn: LinkedIn

Savi Security Instagram: Instagram

The Dark Side of the Boom: Book

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...

View Details

What would it look like if your financial plan actually included a line item for aesthetics? Melissa Joy, CFP®, sits down with Stephanie Stewart, PA-C, founder of The Aesthetic Method, an award-winning medical spa in Ferndale, Michigan, to have the honest conversation that most financial planners and patients avoid entirely. From the secret dollars women squirrel away for skincare to the emotional weight of wanting to invest in how you look and feel, this episode brings a private topic into the open where it belongs.

Stephanie shares her remarkable path from emergency medicine to entrepreneurship, sparked by a car accident at 15 that required years of facial reconstructive surgeries. She opens up about the real cost of injectable treatments, what a full face assessment actually looks like, and how to find a provider you can trust. Melissa and Stephanie also explore the parallel between financial planning and aesthetic medicine, two fields built on transparency, trust, and the courage to say no when it is not the right fit.

What You'll Learn

• How burnout in the emergency department led Stephanie to found The Aesthetic Method in 2018
• Why women often keep aesthetic spending secret, and how to change that conversation
• What happens during a full face assessment and how a personalized treatment plan is built
• The difference between neuromodulators, bio-stimulators, and filler, and how long each lasts
• Real cost ranges for common injectable treatments, from 500 dollar Botox sessions to 3,500 dollar Sculptra plans
• Green flags and red flags to look for when choosing a med spa provider
• Why a provider willing to say no is a sign of someone looking out for you
• How financial planners and aesthetic professionals share a standard of care worth seeking out

Connect with Stephanie

theaestheticmethod.com

Instagram: The Aesthetic Method

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...

View Details

Debt is one of the most emotionally charged topics in personal finance -- and one of the most common. This week Melissa Joy, CFP®, sits down with Bruce McClary, lead spokesperson for the National Foundation for Credit Counseling (NFCC), to take the stigma out of the conversation and walk through what it actually looks like to get professional help with debt. Whether you're watching balances creep up, fielding collection calls, or just feeling the financial squeeze of a world where credit card interest rates are hovering around 23%, this episode is for you.

Bruce brings decades of front-line experience as a former credit counselor, debt collector, and lender to the conversation. Together, he and Melissa break down how nonprofit credit counseling works, what a debt management plan (DMP) actually involves, and how it compares to for-profit debt settlement companies -- including the details those TV commercials conveniently leave out. They also cover when bankruptcy might be the right move and where to find trustworthy, low-cost help.

What You'll Learn

• Why debt struggles are more common than you think -- and affect households at all income levels
• What happens during a free initial credit counseling session with an NFCC member agency
• How a debt management plan (DMP) works, including reduced interest rates, eliminated fees, and account re-aging
• What unsecured debt is and which types of debt can be enrolled in a DMP
• The real math behind for-profit debt settlement programs -- and what those commercials don't tell you
• How student loans, medical bills, and other debt types fit into the bigger picture
• When bankruptcy might be a suitable option and how nonprofit counseling factors into that process
• Where to find a verified nonprofit credit counselor through NFCC.org or by calling 1-800-388-2227

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...

View Details

In many households, one person quietly carries the full weight of the family's financial life: tracking premiums, coordinating with advisors, managing the budget, and planning for the future. Melissa Joy, CFP®, founder and president of Pearl Planning, calls this person the family's chief financial officer, and she has been seeing the role come up repeatedly in client conversations.

Whether that responsibility falls on a spouse, a partner, or a single individual managing everything alone, the invisible work of being the household CFO deserves a closer look.

In this solo episode, Melissa Joy, CFP®, explores the hidden costs of carrying that financial load, the risks that can build when only one person holds all the knowledge, and how to build a stronger financial team, with or without a financial planner.

She walks through practical steps for creating regular money meetings, shares what a productive financial check-in actually looks like, and explains when it might be time to bring in outside support. If you have ever felt the weight of managing your family's money mostly on your own, this episode is for you.

What You'll Learn

• What the role of the family CFO actually looks like, and why so many people fall into it by default
• The hidden costs and invisible mental load that come with being the primary financial decision-maker in a household
• Signs that you may be carrying too much financial responsibility on your own
• What those not in the CFO role may be missing, and why that gap can matter
• How to run a productive monthly money meeting using a structured agenda
• When it makes sense to bring in a financial professional to help share the load
• How the stakes change as you approach retirement and why more shared financial knowledge matters then

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...

View Details

As we move into the second half of the year, Melissa Joy, CFP®, takes a solo deep dive into five major themes shaping the current investment landscape. From artificial intelligence and IPO cycles to persistent inflation and the resilience of employment, Melissa unpacks what is actually happening in the markets and what it means for your financial life.

Rather than reacting to pessimistic headlines, Melissa walks through the data behind recent market performance, explains why earnings growth matters as much as price, and offers a grounded perspective on how to stay disciplined through uncertainty. This episode is a reminder that a sound financial plan, paired with a diversified investment strategy, is still the most powerful tool you have.

What You’ll Learn

• Why artificial intelligence continues to drive market concentration and what that means for your portfolio
• What to expect from high-profile IPOs like SpaceX and Anthropic as they enter public markets
• How corporate earnings growth is affecting valuations even as prices reach all-time highs
• Why inflation remains persistent and what factors are keeping it elevated
• What current unemployment data reveals despite widespread concerns about AI-driven job displacement
• Why diversification is working again, including gains in mid-cap, small-cap, and international equities
• How to think about bonds and interest rates in this environment
• The importance of keeping your financial plan current alongside your investment strategy

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...

View Details

High-achieving women often wear exhaustion as a badge of honor, pushing through until the warning signs become impossible to ignore. For Molly Rosen, co-founder and co-CEO of Project Next Leadership, that moment came while driving between obligations, fantasizing not about a vacation, but about simply being allowed to stop. That recognition led to a sabbatical that stretched from one year to six, a journey that ultimately gave her the perspective, resilience, and clarity to build the leadership coaching company she runs today.

In this episode, Melissa Joy, CFP®, sits down with Molly to explore the realities of burnout for senior women leaders, the under acknowledged impact of perimenopause on career performance, and what it actually takes to build a life and career that is, as Molly puts it, human-sized. Drawing on more than two decades of coaching executives at companies like Pixar, Airbnb, DocuSign, and Samsung, Molly shares the patterns she sees most often in high-performing women, and the strategies that help them find their way back to themselves.

What You'll Learn

• Why working harder stops working at the executive level, and what actually drives advancement
• How burnout differs from a bad week, and why the body often signals it before the mind does
• The underreported career cost of perimenopause and menopause for high-achieving women
• What it means to ask "What is it that only I can do?" and how that question changes everything
• How to strategically step back from the workforce and return with greater clarity and purpose
• Why women leaders consistently rate themselves lower than others rate them, and how to close that gap
• The role of peer networks and cohorts in sustaining women at the top

Website: https://www.projectnextleadership.com

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...

View Details

Almost everyone has heard of a prenup, but very few of us have actually sat down and thought one through in practical terms. In this episode, Melissa Joy, CFP®, opens up a candid, surprisingly approachable conversation about what prenuptial agreements really are, who they are for, and why they belong in the financial planning discussion. Whether you are considering one for yourself or thinking about the next generation in your family, this is a topic worth understanding before the question ever comes up.

Melissa is joined by Kaylin Dillon, CFP®, a fee-only financial planner in Lawrence, Kansas, who has built a specialty around couples with separate assets, blended finances, and prenups. Kaylin reframes the prenup as a partnership exercise rather than a defensive move, walking through what can go into an agreement, why each partner needs their own attorney, how inherited and family wealth complicate things, and the single biggest mistake couples make. It is a thoughtful, practical look at planning for marriage with eyes wide open.

What You'll Learn

• What a prenuptial agreement actually is, and why it is not only about divorce
• Why each partner should hire their own family law attorney, and how that protects the validity of the agreement
• What can go into a prenup, from current assets and debts to future businesses, homes, life insurance, and even estate terms
• Why inherited and family wealth is one of the most common reasons couples pursue a prenup, and how to protect both sides
• The legal standard of unconscionability, and why a 30-day runway before the wedding is far too short
• The number one mistake couples make: rushing the process before agreeing on their own goals
• Why a joint financial plan is Plan A and the prenup is usually Plan B
• How a prenup coach can support a couple alongside their attorneys to keep the process focused and less expensive

Connect with Kaylin:

Website: kaylindillonfinancial.com

The Prenup Coach: prenupcoach.com

Instagram: https://www.instagram.com/theprenupcoach/

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...

View Details

Women are told to lean in, negotiate, and step up. And many do. But new research reveals that doing all the right things still isn’t enough — and may actually work against them. On this episode of Women’s Money Wisdom, Melissa Joy, CFP®, sits down with award-winning journalist and author Stefanie O’Connell to unpack the systemic forces that penalize women for their ambition, and what that means for their careers, their wealth, and their lives

Stefanie’s book, The Ambition Penalty: How Corporate Culture Tells Women to Step Up and Then Pushes Them Down, draws on research across sociology, psychology, economics, and public health to dismantle the persistent myths used to explain away the gender pay gap. This is not a conversation about what women are doing wrong. It is a conversation about what the system is doing to them.

What You’ll Learn:

• Why the most commonly cited explanations for the gender pay gap — job choice, caregiving, and lack of negotiation — are not supported by the data
• How ambition itself is weaponized against women as they advance beyond entry-level roles
• Why elevating a single woman into leadership can actually make gender inequity worse
• How the ambition penalty shows up in personal relationships, not just the workplace
• What pay transparency and collective action can do that individual best practices alone cannot
• The research-backed threshold at which women’s representation in leadership begins to close pay and promotion gaps

About Stefanie O’Connell:

Stefanie O’Connell is an award-winning journalist and the author of The Ambition Penalty: How Corporate Culture Tells Women to Step Up and Then Pushes Them Down. Her work draws on interdisciplinary research to expose the structural forces behind gender inequity in pay, leadership, and power. She also writes the Too Ambitious newsletter.

Website: tooambitious.com

Book: ambitionpenalty.com

Newsletter: Too Ambitious on Substack

Instagram: stefanieoconnell

LinkedIn: Stefanie O’Connell on LinkedIn

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...

View Details

What does it look like to turn a hobby into a thriving business — with no roadmap, no industry model to follow, and a drafty warehouse as your starting point? Melissa Joy, CFP®, sits down with Christy Howden, CEO and co-founder of Wolverine Pickleball, to trace an extraordinary entrepreneurial journey from stay-at-home mom to leader of one of the country’s first pickleball-centric destination facilities.

Christy shares how a 2017 New Year’s resolution sparked a business she never could have predicted, and how she and her business partner bootstrapped their way from rented school gyms to a 38,000 square foot facility that has become a community hub for connection, play, and purpose. Along the way, Melissa Joy, CFP®, weighs in on what financial planners can and cannot say about investing in private businesses and why having a frank conversation with your advisor matters more than the answer you get.

What You’ll Learn

• How Christy and her business partner built Wolverine Pickleball from the ground up with sweat equity, community volunteers, and a minimum viable product mindset
• Why 80% of their investors were women and what it means to make a lifestyle investment that overrides professional financial advice
• How Melissa Joy, CFP®, approaches conversations about investing in small businesses and passion projects
• The funding realities female entrepreneurs face and why the statistics around fundraising make building community capital even more important
• How a second act business can emerge from a life transition and why community is often the renewable energy source behind entrepreneurial endurance
• Practical ways listeners can support small businesses beyond just showing up

Connect with Christy: wolverinepickleball.com

https://www.instagram.com/wolverinepickleball/

https://www.facebook.com/WolverinePickleball/

Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor or by any client, nor are they representative of any one client’s evaluation. Generally, ratings, rankings, and recognition are based on information prepared and submitted by the advisor. This ranking is based on data as of 12/31/2025. The ranking was released on 02/12/2026. Pearl Planning and Melissa Joy did not pay any compensation to be considered for this rating and does not pay an annual fee for marketing usage of the logo. The methodology used to determine The Michigan 50 Companies to Watch award can be found here: Please visit the ranking methodology page for more info.

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...

View Details

The financial news cycle moves fast, but the fundamentals of investing have not changed. Melissa Joy, CFP® sits down with Ben Carlson, Director of Institutional Asset Management at Ritholtz Wealth Management and author of five books including his latest, Risk and Reward, to explore what history actually teaches us about markets, human nature, and the psychology behind smart long-term investing. Ben brings equal parts data and storytelling to make the case that understanding the past is one of the most underrated tools an investor can have.

From the inflationary spiral of the 1970s to lost decades and the dot-com aftermath, Ben and Melissa walk through the market cycles that shaped today's investing environment and what those periods reveal about our own tendencies as investors. They also dig into the coming wave of wealth transfer, why women will increasingly control the bulk of financial assets, and why the financial advice industry is not yet ready for it.

What You'll Learn

• Why studying financial history matters and what it reveals about the range of possible outcomes
• How inflation in the 1970s shaped investor psychology in ways that still resonate today
• What the lost decade of 2000 to 2010 teaches about diversification and why that lesson keeps getting forgotten
• Why simplicity in a financial plan beats complexity almost every time
• How to build a portfolio durable enough to survive a wide range of outcomes without requiring you to predict the future
• Why preparation is more valuable than prediction when it comes to investing
• What the great wealth transfer means for women and why the financial advice industry needs to catch up
• How human nature is the one investing variable that never changes across market cycles
• What Ben's list of 20 investing beliefs reveals about discipline, self-awareness, and behavioral finance
• Why the best financial plan is the one you can actually stick with through difficult markets

About Ben Carlson

Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of five books on investing and personal finance, including his latest, Risk and Reward. He is the creator of the blog Wealth of Common Sense and co-host of the Animal Spirits podcast.

Book: Risk and Reward

Blog: awealthofcommonsense.com

Podcast: Animal Spirits

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...

View Details

Nearly a quarter of Americans have no traditional next of kin, yet the financial planning industry has long operated as if everyone will eventually have children. Melissa Joy, CFP® sits down with Maddy Roche, co-host of the Child Free Life by Design Podcast and Chief Growth Officer of Partnerships for Child Free Trust, to talk about what changes and what becomes possible when you are building a financial life without kids.

Maddy brings both personal and professional perspective to the conversation. As someone who is child free by choice, she shares how a financial plan created specifically for her shifted her entire mindset around spending, legacy, and the concept of dying with zero. She and Melissa dig into why estate planning has been so hard for this demographic to complete, why that needs to change, and how Child Free Trust is filling a gap that trust companies and traditional advisors have largely left open.

What You’ll Learn

• Why child free people represent a distinct and underserved financial planning demographic
• How planning assumptions tied to children create blind spots for advisors working with this group
• Why long-term care insurance matters more than life insurance for most child free people
• What the die with zero philosophy means and how it gives child free people a financial permission slip to spend and experience more
• Why upwards of 70 percent of child free people do not have a legally binding estate plan in place
• How to reframe estate planning as contingency planning and why it matters long before death
• What roles are required in a complete estate plan and why they are especially hard to fill without children
• How Child Free Trust serves as a professional fiduciary in the roles of medical and financial power of attorney, executor, and trustee
• Why hourly billing rather than assets under management makes professional fiduciary services more accessible
• How the Child Free Trust care document captures everything from pet care plans to end of life wishes

Estate Planning and Membership: ChildFreeTrust.com

Thought Leadership, Podcast, and Community: ChildFreeInsights.com

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...

View Details

A new type of savings account has entered the conversation, and if you have young children, you need to know about it. Melissa Joy, CFP® sits down with Ann Garcia, CFP®, returning guest, college funding expert, and author of How to Pay for College, to break down the newly created Trump accounts. Also known as 530A accounts, these IRA-style vehicles are generating a lot of buzz, and Ann helps separate the hype from the reality so families can make smart decisions about whether and how to use them.

The conversation goes beyond the new accounts. Melissa and Ann also respond to a widely shared Wall Street Journal article about a financial planning expert who is skipping 529s for his own kids, and explain why that strategy works for a very small slice of the population but could leave most families short. They close with practical wisdom on how to talk to your kids about money at every age, and why starting simple is always better than waiting until you have the perfect lesson plan.

What You’ll Learn

• What Trump accounts (530A accounts) are and how they work
• How to open an account and claim the free government funding your child may be entitled to
• Why Trump accounts are generally not the best vehicle for college savings, and what to use instead
• How the kiddie tax affects withdrawals and why it matters for your planning
• The difference between how Trump accounts and 529s are treated on the FAFSA
• The Wall Street Journal article making the case to skip 529s, and why Ann and Melissa push back
• Why the 529 remains one of the most flexible and tax-efficient tools for college savings
• When and how to help your young adult children get their first Roth IRA open
• Why automating your financial life is the antidote to always being in triage mode

Connect with Ann Garcia, CFP®

Website: howtopayforcollege.com

Book: How to Pay for College

The Mather Group: themathergroup.com

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...

View Details

What would it look like to stop working at 50? Or to step away from a high-powered career and spend your time doing something that lights you up instead?

For many women, this is not just a dream. With the right plan, it is a very real option. Melissa Joy, CFP® sits down with Bridget Grimes, founder of Wealth Choice and co-founder of Equita Financial Network, to talk about what retiring in your 50s or 60s actually requires, from knowing your cost of living to healthcare coverage, Roth conversions, and finding purpose on the other side.

Bridget is a financial planner, CFP Board Ambassador, and fierce advocate for women and women-led financial firms. She works with breadwinner women every day who are building toward financial independence, and in this conversation she pulls back the curtain on the planning conversations that make early retirement possible.

What You’ll Learn

• What Coast FIRE is and why it resonates with so many high-achieving women
• Why knowing your actual cost of living is one of the most important retirement planning inputs
• How a stair-step retirement, with part-time or passion work, can meaningfully improve your financial picture
• Why healthcare is the biggest wild card for anyone retiring before Medicare eligibility at 65
• How to think about COBRA, the ACA exchange, and HSAs as part of your early retirement plan
• Why having multiple account types, taxable, pre-tax, and Roth, gives you flexibility and tax options
• How Roth conversions work as a multi-year strategy and why doing them all at once can backfire
• What the Rule of 55 means for 401k access and how it differs from IRA rules
• Why rebalancing your investment allocation matters when you stop earning and start drawing
• How to give yourself permission to think about what you actually want your life to look like
• Why early retirement is as much a social and emotional transition as it is a financial one
• What to look for in a financial advisor if you are planning to retire earlier than traditional ages

Connect with Bridget Grimes

Website: wealthchoice.com

LinkedIn: linkedin.com/in/bridget-venus-grimes-cfp

Facebook: facebook.com/wealthchoice

Instagram: wealthchoice_

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...

View Details

Most people know they need an estate plan. Far fewer actually have one, and even fewer have had the conversations with their families that make that plan meaningful. Melissa Joy, CFP® sits down with Nicole Adkison, estate planning attorney and wealth strategist, to talk about what thoughtful estate planning really involves, from the foundational documents to the deeper family conversations that give those documents their purpose.

Nicole works with families and their advisors to design forward-looking plans that protect assets and preserve family harmony. In this conversation, she brings both the technical framework and the human heart of estate planning into focus, including why the why behind your decisions matters just as much as the what.

What You'll Learn

• What estate planning actually is and why a will alone is rarely enough
• Why probate is a process worth avoiding and how a revocable trust helps you do that
• What powers of attorney and healthcare directives do and what happens without them
• Why complexity in an estate plan does not just mean complex assets
• The most common source of family conflict after a death and how to address it before you are gone
• Why being named trustee is rarely the honor it is treated as and how to choose the right person for the job
• How to have age-appropriate conversations about money and legacy, even with young children
• What purpose statements inside your estate plan can do that the documents alone cannot
• Why unequal distributions are sometimes the fairest choice and how to explain them to your family
• How dynasty trusts work as a family bank rather than a windfall and why that matters for long-term legacy
• Why your estate plan should be reviewed regularly and what a good advisor relationship looks like over time
• The role your financial advisor and estate planning attorney should play together

Connect with Nicole Adkison:

Website: adkisonlaw.com

LinkindIn: https://www.linkedin.com/in/nicole-adkison-7236408/

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...

View Details

No one expects to get in an accident. But when you do, and when injuries are involved, navigating the insurance system and legal landscape can feel overwhelming. Melissa Joy, CFP® sits down with Megan Burns, founder of Mirador Law and personal injury trial lawyer, to pull back the curtain on what actually happens after an accident and how to protect yourself before one ever occurs.

Megan brings both professional expertise and personal experience to this conversation, having been seriously injured in a bike accident in her early twenties. From understanding your auto insurance coverage to knowing when you need a lawyer and when you do not, this episode gives listeners a practical, honest roadmap for one of the most financially and emotionally complex situations a person can face.

What You'll Learn

• Why your insurance policy is a financial hedge and how to treat it like one
• The difference between fault states and no fault states and what that means for your coverage
• Why uninsured and underinsured motorist coverage is one of the most important protections you can have
• How Michigan's 2020 no fault law changes affect what you are actually covered for
• Why disability insurance may be as important or more important than life insurance
• When you absolutely need a personal injury attorney and when you do not
• How to find a quality personal injury lawyer and the red flags to avoid
• Why hiring a trial lawyer specifically makes a significant difference in outcomes
• What to expect from the legal process after signing with an attorney
• How umbrella liability insurance works and why it matters for protecting your assets

Connect with Megan: Website: www.miradorlaw.com

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...

View Details

Most people think investing means picking the right stocks and getting rich. But according to Cullen Roche, founder and CIO of Discipline Funds and author of Your Perfect Portfolio, that mindset is one of the most costly mistakes investors make. Melissa Joy, CFP® sits down with Cullen to unpack what investing actually is, why time horizons matter more than almost anything else, and how to build a portfolio you can stay loyal to when markets get uncomfortable.

From the three fund portfolio to dividend strategies to the growing world of high fee distribution ETFs, Cullen breaks down a wide range of investment approaches with honesty and clarity. This is not a conversation about hot stocks or market timing. It is a conversation about building something that actually works for your life.

What You'll Learn

• Why investing is better understood as a reallocation of savings than a path to getting rich quick
• How thinking about time horizons can transform the way you build and manage a portfolio
• Why planning toward averages, including average life expectancy, can set investors up to fail
• What the three fund portfolio is, why it works, and where it may fall short for some investors
• The pros and cons of dividend focused portfolios and what investors often misunderstand about them
• Why distribution ETFs are not the income generating bond alternatives they are often marketed as
• How an asset liability matching approach can help investors align their money with real life goals
• Why managing your own behavior is the most critical component of long term investment success
• What the financial media gets wrong and how to tune out the noise without missing what matters

Connect with Cullen:

Website: https://disciplinefunds.com

LinkedIn: https://www.linkedin.com/in/cullenroche

X: https://x.com/cullenroche

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...

View Details

Retirement is one of the most talked about financial milestones, but the concept of retirement itself, what it looks like, how it feels, and how to actually envision it, often goes unexplored. Melissa Joy, CFP® sits down with Jamie Hopkins, CEO of Bryn Mawr Trust, and Bonnie Treichel, CEO of Endeavor Retirement, to talk about their new book, Your Retirement Sketchbook. Equal parts workbook, coffee table book, and retirement roadmap, it covers 125 snackable concepts designed to help readers think about retirement in a whole new way.

From vision boards to estate planning, adaptive spending strategies to the emotional side of leaving a career behind, Jamie and Bonnie bring both the technical and the human side of retirement planning into focus. This is a conversation for anyone who wants to move beyond the spreadsheet and actually picture what retirement can look like for them.

What You'll Learn

• Why most people build their retirement vision from someone else's experience and why that creates problems
• How planning toward averages, including average life expectancy, can lead you astray
• What adaptive retirement planning is and why it better reflects how people actually live
• Why many retirees with significant savings actually underspend and how to give yourself permission to enjoy what you have built
• How retirement vision boards work and why putting yourself on the board changes everything
• Why your relationship with money follows you into retirement and how the book addresses that head on
• What the sketchbook concept means and how the book invites you to evolve your plan over time
• Why end of life planning remains the most overlooked piece of retirement and what to do about it
• How Jamie and Bonnie each updated their own estate plans while writing the book

Connect with Jamie: www.bmt.com

https://www.linkedin.com/in/jamiehopkinsfinancialservices

Connect with Bonnie: www.endeavor-retirement.com

IG: @retirementrisks

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...

View Details

Teaching kids about money is one of the most important things we can do as parents, but it's also one of the most overlooked. Melissa Joy, CFP® sits down with returning guest Charlotte Geletka, CFP® and owner of Silver Penny Financial Planning, to talk financial literacy at every age and the charming children's book she co-authored with her 12 year old son, Battery, the Bulldog and the Funny Money Tree, released on March 17th.

From tooth fairy moments to teenager debit cards to the real cost of college debt, Charlotte breaks down how money conversations can and should evolve as children grow. She and Melissa explore the dangers of TikTok financial advice, the gamification of investing, and why conscious spending beats the YOLO mentality every time.

What You'll Learn

• How children begin forming money concepts earlier than most parents realize
• Why giving small kids cash to spend at the store is one of the best financial literacy tools around
• How kid friendly debit cards like Greenlight are teaching real world money management in middle and high school
• Why TikTok financial advice and gamified investing apps are a growing concern for parents
• How to have honest conversations with your kids about income, debt, and what things actually cost
• Why the financial decisions made in your early twenties have an outsized impact on the rest of your life
• The difference between payment focused thinking and understanding the true cost of credit
• How Charlotte and her son Andrew created Battery, the Bulldog and the Funny Money Tree together and what it took to get it published

Connect with Charlotte: Instagram: @silverpennyfinancial

LinkedIn: https://www.linkedin.com/in/charlottecowangeletkacrpc/

Book: Battery, the Bulldog and the Funny Money Tree: https://littleripples.media/books/battery-the-bulldog-and-the-funny-money-tree

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...

View Details

What does it look like when financial planning meets love, courage, and intentional family leadership? Melissa Joy, CFP® sits down with Shelby Nicholl, founder of Muriel Consulting, to share the story of her father-in-law's remarkable family meeting, held just weeks before his passing. From a handout at the table to a hug at the end, this episode is a powerful reminder that clarity is one of the greatest gifts we can give the people we love.

Papa Harry didn't wait for the hard conversations to find him. When he learned his illness was terminal, he went into action. A new roof, a clean garage, and a carefully prepared Sunday evening meeting with handouts and pens. What unfolded was one of the most organized, loving, and generous acts a parent can offer their family, and a masterclass in what it looks like to lead with both heart and intention.

What You'll Learn

• Why family meetings matter and how to structure one before a crisis hits
• How one family organized passwords, daily bills, and account access in a single sitting
• What medical directives really mean and the nuanced questions families often miss
• How to talk about wealth, legacy, and inheritance in a way that feels natural and generous
• Why beneficiary designations deserve a second look, especially for DIY investors
• How to think about bringing in a financial advisor during a transition of responsibility
• What family governance can look like beyond dollars and cents
• How one family meeting set the tone for values, communication, and stewardship across generations

Connect with Shelby:

www.murielconsulting.com

https://www.linkedin.com/in/shelbynicholl/

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...

View Details

Money isn’t just math. It’s emotion, identity, and sometimes a whole lot of anxiety, even for people who are objectively doing “fine” financially. Melissa Joy, CFP® sits down with speaker, author, and coach Josie Ann Lee to unpack why so many people feel uncomfortable talking about money, and how to move from financial anxiety to real confidence.

They explore why anxiety is a normal stage of learning, how financial jargon and “expert speak” can unintentionally shut people down, and what it looks like to create a more human-centered experience in financial conversations.

Josie shares her practical “Service Wrapper” framework - four simple tools that help people feel safer, more in control, and better equipped to engage in money decisions without shame. Melissa connects those ideas to what actually happens in financial planning meetings, especially for women navigating a system that wasn’t historically built with them in mind.

What You’ll Learn

• Why money discomfort is common even when you’re doing a decent job financially
• How taboo, culture, and history (especially for women) shape financial confidence
• The Four Stages of Learning and why the “anxiety zone” is normal
• How jargon creates a communication gap — and what advisors can do differently
• Josie’s “Service Wrapper” framework: Yes And, Sincere Gratitude, Clarifying Questions, and Giving Choices
• How clarifying questions reduce shame and improve understanding on both sides
• Why autonomy matters — and how choice builds confidence in financial decisions
• The difference between transactional advice and relationship-based planning (and why it affects outcomes)
• How to interview and choose a financial professional based on values and fit
• Where to find Josie’s book and learn more about her work

Connect with Josie: www.josieannlee.com
Book: The Superpower of Service (available on Amazon)

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...

View Details

Medicare is a cornerstone of most retirement plans, but it’s also a brand-new system for people who’ve spent decades on employer coverage. Melissa Joy, CFP® sits down with Cameron Giardini of to break down what Medicare is, when you actually need to enroll, and how to avoid the most common (and costly) mistakes.

They cover the major coverage paths (Original Medicare + Medicare Advantage vs Medigap), why your first enrollment decision at 65 can affect your options later, and what higher earners need to know about IRMAA surcharges. Cameron also explains a key HSA pitfall, shares what’s changing heading into 2026, and points listeners to free education resources to start learning without overwhelm.

What You’ll Learn

• What Medicare is (and isn’t), and when it typically starts
• When to begin planning, and how to check eligibility and costs
• When you can delay Medicare past 65 without penalties
• The key decision: Medicare Advantage vs Medigap (and what each really means)
• Why your first Part B enrollment window matters for lifetime flexibility
• What IRMAA is, how it’s calculated, and how to appeal it after retirement
• How HSAs interact with Medicare and what not to do at 65
• What’s getting more expensive in 2026 and why “choice” may continue shrinking
• How adult children can help parents by first identifying what coverage they actually have

Connect with Cameron: https://gmedicareteam.com/

Youtube: www.youtube.com/@GiardiniMedicare

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...

View Details

Financial confidence doesn’t come from knowing everything. It comes from knowing what questions to ask.

In this episode, Melissa Joy, CFP®, is joined by Tony Steuer, a longtime personal finance educator, insurance analyst, and host of the Get Ready Before Life Happens podcast.

Tony shares how his early career as an insurance agent led him to a deeper mission: helping people understand why smart, capable individuals often end up with financial products that don’t truly serve them. Over decades of consulting with financial planners, attorneys, and trust officers, Tony saw firsthand how complexity, commissions, and behavioral blind spots can quietly derail good financial decisions.

Together, Melissa and Tony unpack how behavioral finance shows up in real life, especially around insurance and risk management. They discuss why permanent insurance products are often misunderstood, how surrender charges and commissions impact long-term outcomes, and why many people feel emotionally stuck in policies that no longer fit their lives.

The episode wraps with an important discussion on financial scams and red flags, including pressure tactics, secrecy, and “too good to be true” promises, and why these warning signs matter not just for ourselves, but for aging parents and the next generation.

Key Takeaways

• Why financial fluency starts with asking better questions, not memorizing answers
• How behavioral finance influences insurance and investment decisions
• When permanent life insurance can make sense and when it usually doesn’t
• What surrender charges really mean and why they matter
• Common red flags of financial scams and bad actors
• How values, communication, and education shape long-term financial confidence

To learn more about Tony’s work, tools, and resources, visit tonysteuer.com and listen to Get Ready Before Life Happens wherever you get your podcasts.

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...

View Details

What happens when a world-changing technology attracts trillions of dollars in investment and how do you avoid being on the wrong side of the boom?

On this episode of the Women's Money Wisdom podcast, Melissa Joy is joined by Kai Wu, founder and chief investment officer of Sparkline Capital, for a thoughtful, data-driven conversation about AI and its real investment implications.

Rather than focusing on hype or fear, this discussion centers on capital allocation, specifically what happens when massive amounts of money pour into infrastructure. Using historical parallels like the railroads and the dot-com telecom buildout, Melissa and Kai explore why transformative technologies don’t always translate into transformative returns for the companies building the underlying systems.

You’ll hear what “CapEx” actually means, why AI requires unprecedented spending on chips and data centers, and how today’s market concentration around the largest tech companies creates both opportunity and risk.

This episode is especially helpful if you’ve benefited from recent market gains but are wondering about concentration risk, diversification, or how to think more strategically about AI exposure in your portfolio.

In this conversation, you’ll learn:

• Why a transformative technology does not automatically mean a great investment
• What capital expenditures (CapEx) are and why AI infrastructure is so expensive
• How past technology booms rewarded users more than infrastructure builders
• Why highly capital-intensive companies often underperform over time
• How S&P 500 concentration may create hidden portfolio risk
• What “AI early adopters” are and why they may offer overlooked opportunity
• How to think about diversification without abandoning innovation

Whether you’re managing significant wealth or simply trying to make smarter long-term decisions, this episode offers practical insight to help you think clearly — without hype, panic, or binary thinking.

Follow Kai and read his research: https://sparklinecapital.com

X: https://x.com/ckaiwu

LinkedIn: https://www.linkedin.com/in/ckaiwu/

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...

View Details

On this episode of the Women's Money Wisdom podcast, Melissa Joy is joined by Michelle Taylor, founder of Women in Wealth, for a practical, honest conversation about what actually creates long-term financial stability for women.

Rather than focusing on fear or restriction, this discussion centers on habits — the everyday behaviors that help women build confidence, resilience, and freedom with money over time. Together, Melissa and Michelle break down the six core habits they see consistently among women who feel financially secure and in control, regardless of income level.

You’ll hear why tracking your money builds confidence (not stress), how “paying yourself first” creates momentum, and why investing — even in small amounts — is non-negotiable. The conversation also reframes budgeting as a flexible spending plan, explores how to set financial goals that actually align with your values, and explains why regular “money dates” can transform how you relate to your finances.

This episode is especially helpful if you’ve ever felt successful in life but uncertain about money, struggled with confidence around financial decisions, or wanted a healthier, more empowering approach to building wealth.

In this conversation, you’ll learn:

• Why awareness is the foundation of financial confidence
• How paying yourself first prevents burnout and financial guilt
• The difference between restrictive budgets and flexible spending plans
• Why investing early matters more than investing perfectly
• How to set financial goals that reflect your version of success
• Simple ways to build accountability through regular money check-ins

Whether you’re just getting started or refining your financial habits, this episode offers practical guidance you can use immediately — without shame, overwhelm, or unrealistic expectations.

Follow Michelle: https://www.instagram.com/women_in_wealth/

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...

View Details

What happens when you do everything “right” and still feel unfulfilled?

Melissa Joy, CFP®, sits down with Regina Sih-Meynier, PharmD, a former clinical and pharmaceutical industry leader who followed a quiet inner nudge toward a completely different kind of success. Regina shares how growing up in an immigrant family shaped her drive for security and achievement, why the traditional “success checklist” did not deliver the fulfillment she expected, and what ultimately helped her pivot into entrepreneurship, intuitive work, and a more flexible life.

They talk about the midlife moments that can throw everything off course, from career disruption to caregiving responsibilities, and why financial planning can be a stabilizing force during big transitions. Regina also explains what she means by “whispers” from within, how intuition can show up through the body, and why having a practical runway and support system can make all the difference when you are building your next chapter.

What you’ll learn

• Why hitting major milestones can still leave you feeling disconnected
• How Gen X and older millennial women were conditioned to overachieve and overdeliver
• What it looks like to pivot without burning down your entire life overnight
• How intuition can show up as body intelligence and internal guidance
• Why financial stability can create the space needed to hear what you actually want
• The mindset shift from “income only comes from a paycheck” to multiple streams and possibilities
• How to approach midlife change with flexibility, resilience, and intentional tradeoffs

Author of "A Thousand Whispers from Within"

Coming Feb 2026, Manuscripts Press - available Feb 16th on Amazon.

📧 regina@reginasihmeynier.com

🌐 www.reginasihmeynier.com

📸 IG: @reginasihmeynier

💼 LinkedIn: Regina Sih-Meynier, PharmD

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...

View Details

Employer retirement plans can be one of the most powerful wealth-building tools available, yet they are also among the most confusing. In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP®, breaks down how to make the most of your workplace retirement benefits in 2026.

Melissa walks through the key retirement plans many employees have access to, including 401(k), 403(b), and 457 plans, and explains why 2026 is a pivotal year for retirement planning. With multiple legislative changes now in effect, including SECURE Act 1 and 2 and new tax rules impacting catch-up contributions, understanding your options has never been more important, especially for high earners.

This episode covers updated contribution limits, new catch-up contribution rules for those over age 50, and the temporary super catch-up opportunity for individuals ages 60 to 63. Melissa also explains the new Roth mandate for high earners, what it means for your tax strategy, and how it may change the way you approach retirement savings going forward.

Beyond contribution limits, Melissa explores advanced planning opportunities such as after-tax contributions, mega backdoor Roth strategies, and how different employer plan designs can dramatically affect how much you are able to save. She also highlights commonly overlooked strategies for dual-income households, spousal IRAs, and the growing role of Health Savings Accounts as an extension of retirement planning.

If retirement planning feels overwhelming, this episode offers clarity, structure, and actionable guidance to help you confidently use your employer benefits to support your long-term goals.

Key topics discussed include:

• 2026 retirement contribution limits and what’s changed
• Catch-up and super catch-up contribution rules
• The new Roth requirement for high earners over age 50
• Coordinating retirement savings for couples
• Using HSAs as a long-term retirement strategy
• Mega backdoor Roth opportunities and plan design considerations
• Common mistakes that can reduce employer matching

For personalized guidance, Melissa encourages listeners to review their options with a financial planner to ensure their retirement strategy aligns with both current tax laws and long-term goals.

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...

View Details

Long-term care is one of the most personal topics in financial planning, and also one of the most frequently avoided.

Melissa Joy, CFP®, is joined by Pearl Planning colleague Alexa Kane, CFP®, to unpack how families can think about care earlier and more realistically.

This conversation goes beyond nursing homes to explore in-home care, assisted living, and memory care, along with the emotional and financial realities families face when care is needed. Melissa and Alexa explain why long-term care planning often affects women more heavily, why waiting until later in life can limit options, and how today’s long-term care solutions differ from the policies many people remember from past generations.

Rather than assuming insurance is the answer for everyone, they walk through how Pearl Planning approaches long-term care thoughtfully, weighing costs, health considerations, family dynamics, and alternatives. The discussion also highlights what modern hybrid policies are designed to do, how underwriting works, and what options exist for those who cannot or choose not to pursue insurance.

Key takeaways include:

• Why long-term care planning is often a bigger issue for women
• How rising care costs can impact retirement plans and family decisions
• The importance of starting the conversation earlier than most people expect
• The difference between traditional long-term care insurance and newer hybrid options
• Practical alternatives to insurance, including self-funding and housing-based strategies

This episode offers a calm, realistic framework for approaching a difficult topic and encourages listeners to plan ahead before long-term care becomes an urgent decision.

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...

View Details

If you’ve ever looked at a successful woman and wondered how she really built it — you’re not alone. Behind every thriving business is a story that doesn’t always show up on social media.

In this episode, Melissa Joy, CFP®, talks with Veronica McGibney, creator of LeadHer Magazine, a new print and digital publication dedicated to sharing the real, behind-the-scenes journeys of female founders.

Veronica shares how a moment of clarity at a business retreat sparked the creation of Lead Her, and how that idea quickly grew into a platform spotlighting women’s honest experiences — from uncertainty and burnout to growth, resilience, and long-term vision. Together, Melissa and Veronica discuss why branding is more than marketing, how visibility impacts opportunity and funding, and why telling the full story matters for women building businesses today.

You’ll learn:

• Why branding plays a critical role in both business growth and personal clarity
• How moments of uncertainty can signal it’s time to pivot or reassess
• What inspired the creation of Lead Her Magazine and its mission
• The realities women founders face that often stay behind the scenes
• Why visibility remains a challenge for women-led businesses
• Practical ways founders manage time, priorities, and competing responsibilities

If you’re building something, considering a pivot, or looking for a more honest picture of what success really takes, this conversation offers insight and perspective.

Resources:

• Learn more about Lead Her Magazine: leadhermagazine.com
• Connect with Veronica McGibney on LinkedIn: https://www.linkedin.com/in/veronicamcgibney
• Follow Lead Her Magazine on Instagram: https://www.instagram.com/leadhermagazine/

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...

View Details

As the new year begins, Melissa Joy, CFP®, helps listeners slow down and reset before diving into financial to-do lists.

In this solo episode, Melissa lays out seven financial planning themes to help guide decisions in 2026. After an intense year of headlines, market shifts, and economic noise, this conversation offers perspective and grounding for those navigating what she calls the “messy money middle.”

Rather than reacting to the news cycle or trying to predict the future, Melissa focuses on practical planning themes — from diversification and human capital to tax changes, estate planning, and lifestyle pressures — all designed to help listeners approach the year ahead with clarity and flexibility.

This episode is meant to level-set expectations and provide a thoughtful framework for anticipating a successful year with your money.

In this episode, Melissa explores:

• Why diversification and rebalancing matter after a strong year for markets
• How international stocks, alternatives, and AI are shaping investment conversations
• Protecting your human capital and preparing for potential job disruptions
• Evaluating the return on investment when spending on skills and career development
• Key tax law changes and what they may mean for planning in the year ahead
• Updates to retirement catch-up contributions and charitable giving rules
• Why estate planning still matters, even when estate taxes may not apply
• How declining interest rates affect cash, savings, and investment decisions
• Determining how much cash to keep versus invest
• Navigating lifestyle inflation and the financial realities of the sandwich generation

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...

View Details

As the year comes to a close, Melissa Joy, CFP® invites you to slow down.

This short, reflective solo episode is a pause button — a chance to step off the financial treadmill, release guilt, and reset how you think about money before jumping into goals, resolutions, or to-do lists.

Rather than focusing on what still needs to get done, Melissa encourages listeners to notice what worked, acknowledge invisible financial wins, and reconnect with a definition of wealth that goes beyond account balances.

This episode is designed as a mindset reset — an “exhale” — to help you enter the new year with more clarity, intention, and self-trust.

In this episode, Melissa explores:

• Why year-end reflection matters more than year-end hustle
• How to identify and celebrate your financial wins, including the quiet ones
• Releasing guilt and shame tied to past money decisions
• Reframing wealth around values, time, and relationships — not just numbers
• How aligning spending with personal values can simplify decision-making
• The power of “set it and forget it” systems to reduce financial stress
• Choosing a money word or theme for the year ahead
• Simple challenges (like no-spend periods or intentional splurges) to reset habits
• Using a “stop, start, continue” framework to carry clarity into the new year

Key takeaway

You don’t need a perfect plan to move forward — you need a lighter mindset, clearer values, and permission to acknowledge progress.

Before diving into goals and action steps, this episode offers space to breathe, reflect, and reset your relationship with money.

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...

View Details

As we close out the year, Melissa Joy, CFP® steps back from the day-to-day headlines to examine the biggest money trends and economic stories that shaped 2025. Instead of reacting to weekly market noise, this episode offers a thoughtful top-10 look at the forces influencing markets, households, and financial planning — and what they may signal for the year ahead.

From the rise of artificial intelligence and shifting government policy to persistent affordability challenges and changing investment landscapes, Melissa breaks down complex topics with clarity and context. She explores how these trends showed up in real life for investors, savers, borrowers, and families — and why discipline and planning mattered more than prediction this year.

Throughout the conversation, Melissa connects the dots between policy, markets, and personal finance, reminding listeners that while we can’t control outcomes, we can control preparation.

Highlights include:

• Why artificial intelligence became the dominant market and cultural story — and what it means for jobs, productivity, and energy demand
• How tariffs evolved throughout the year and the real economic costs for consumers, businesses, and farmers
• Key changes in the new tax law and why tax planning is becoming more complex, not less
• The ripple effects of the prolonged government shutdown on workers, small businesses, and economic data
• Why interest rates didn’t fall as much as expected — and how that impacted borrowers and savers differently
• Persistent affordability concerns and the growing divide between households
• The growing influence of private equity and private debt across the economy
• Why markets delivered strong returns despite overwhelming negative headlines
• How higher education and student loans are undergoing structural change
• The broader financial implications of GLP-1 drugs and rising healthcare costs

As we head into 2026, this episode offers a grounded perspective on what really mattered in 2025 — and why staying focused on what you can control remains one of the most powerful financial strategies available.

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...

View Details

Student loans aren’t just a financial obligation — they’re a moving target. Rules shift, repayment plans evolve, forgiveness programs get redefined, and big deadlines are on the horizon. To help make sense of it all, Melissa Joy, CFP®, sits down with student loan expert David Gourley, founder of K-12 Planning, to break down the latest changes and what they mean for borrowers today.

David brings deep expertise from years of helping educators, public service professionals, and families navigate the student loan maze. Together, Melissa and David walk through what’s stable, what’s shifting, and what borrowers need to pay attention to right now — especially as 2026 brings some of the biggest changes we’ve seen in years.

They explore why Public Service Loan Forgiveness remains intact (despite the headlines), the critical steps Parent PLUS borrowers must take before federal doors close, and how the upcoming Repayment Assistance Program (RAP) could reshape long-term planning for millions. David also shares the little-known strategies around tax filing, repayment timing, and consolidation that can dramatically change someone’s loan trajectory.

Highlights include:

• Why PSLF is not going away — and who still qualifies
• How adjunct professors can use a multiplier to qualify as full-time
• The crucial July 1, 2026 deadline for Parent PLUS consolidation
• What RAP is, how it compares to IBR, and why timing matters for borrowers
• How long-term forgiveness works (20, 25, or 30 years) — and when it may be taxable
• How filing taxes married filing separately can significantly reduce payments
• The risks of relying on lower payments when interest continues to grow
• What changes to borrowing limits mean for grad students and parents
• When refinancing to a private loan may actually make sense
• How to plan ahead when student loan rules continue to evolve

If you’re navigating repayment, planning for forgiveness, or preparing to send a child to college, this conversation offers clarity in a landscape that rarely stands still. Melissa and David bring the context, strategy, and grounded perspective borrowers need to make confident decisions — today and in the years ahead.

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...

View Details

We’re revisiting one of our most-requested conversations — a practical, myth-busting look at estate planning with Melissa Joy, CFP®, and Ashley Waddell-Tingstad, founder of Treetown Law.

Trusts often sound complicated or “for someone else,” but Ashley breaks them down into simple, everyday tools that protect families, minimize stress, and provide clarity during life’s biggest transitions.

What You’ll Learn:

• The essentials: Why powers of attorney and healthcare directives are the cornerstone of any estate plan.
• Trusts vs. probate: What probate really involves — and why many families prefer to avoid it.
• Beneficiary designations: How small updates can prevent major complications.
• Revocable living trusts: The privacy, flexibility, and ease they provide (no, you don’t need to be wealthy).
• State-specific guidance: Why your plan should be created with local laws in mind.
• Post-death protection: How trusts help shield assets from legal and financial vulnerabilities.

Whether you’re planning for the future or simply want to understand your options, this replay delivers clarity and 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...

View Details

Creativity isn’t just inspiration — it’s a practical tool for better work, clearer thinking, and a more sustainable career. For our 300th episode, Melissa Joy, CFP®, sits down with Dr. Natalie Nixon, CEO of Figure 8 Thinking and author of Move, Think, Rest, to rethink productivity and build a healthier operating rhythm for the year ahead.

Natalie draws on her background in anthropology, fashion, global business, and academia to explain why traditional “always-on” productivity models no longer serve us. She introduces her Move–Think–Rest human operating system and shows how small shifts in movement, intentional thinking time, and meaningful rest can reduce burnout and unlock creativity at every level.

Together, Melissa and Natalie dig into the generational pressure many women feel to overachieve, over-deliver, and never say no — and how boundary-setting is now essential not just for wellbeing, but for strong financial planning over a lifetime.

Highlights include:

• Why shifting from “productivity” to “cultivation” changes how we approach work
• How the Move–Think–Rest framework helps build creativity into daily routines
• Practical ways to incorporate movement into a busy workday
• How mind wandering and micro-retreats improve clarity and problem-solving
• Why rest needs to be modeled across an organization
• The financial consequences of burnout and stepping away from the workforce too soon
• How to set boundaries when what got you here won’t get you where you’re going
• How to use Natalie’s 66-day challenge to build new habits for the year ahead

If you’re ready to rethink the way you work — and create more space for creativity, energy, and purpose — this milestone conversation is a powerful place to begin.

If you’re ready to rethink the way you work — and create more space for creativity, energy, and purpose — this milestone conversation is a powerful place to begin.

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...

View Details

When three dementia diagnoses hit her family at once, Nicole Smith, Author of Diagnosis Dementia, didn’t plan to become an expert—she had no choice. In this episode, Melissa Joy, CFP®, talks with Nicole about navigating the overwhelming realities of caregiving for aging parents while raising kids, maintaining a career, and trying to hold everything together.

Nicole shares her personal story of managing care for three parents across multiple states during COVID, the lessons she learned about elder care, and why she now advocates for better preparation and open communication around aging and incapacity.

Key Topics Covered:

• How to manage multiple dementia diagnoses within one family.
• Building your caregiving “team” with medical, legal, and financial professionals.
• Why early planning and clear documentation make all the difference.
• How to have difficult family conversations about aging, capacity, and long-term care.
• Balancing caregiving, parenting, and personal well-being as part of the “sandwich generation.”
• Why lifestyle choices—like sleep, exercise, and stress management—can help prevent dementia.
• The emotional side of caregiving: guilt, burnout, and learning to set boundaries.

Melissa and Nicole also discuss how professionals—financial advisors, attorneys, and healthcare providers—can help families prepare before a crisis and support caregivers with empathy and clarity.

✨ This conversation is both practical and deeply human—a reminder that caring for others starts with caring for yourself.

Connect with Nicole Smith:
Website: njsmithbooks.com
Instagram: @dementiabookreview
LinkedIn: https://www.linkedin.com/in/utnicolesmith/

Daughterhood.org – caregiver support community

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:...

View Details

If you’ve been hearing more talk about health insurance costs lately — you’re not alone. From higher renewal premiums to open enrollment decisions, healthcare has become one of the biggest line items in many household budgets.

In this episode, Melissa Joy, CFP®, talks with Cole Craven, co-founder of Move Health, about what’s really happening with health insurance in 2025 and how to make confident decisions for your family or your retirement.

Cole works closely with financial planners to help clients understand their options, and he shares practical insights you can use right now — whether you’re choosing coverage through your employer, the marketplace, or looking ahead to early retirement.

You’ll learn:

• What’s driving healthcare costs higher in 2025
• How the Affordable Care Act (ACA) marketplace actually works
• The difference between COBRA, private plans, and marketplace coverage
• What to know about tax credits (and what might change next year)
• Why planning for healthcare is essential if you’re retiring before 65
• How to find the right help during open enrollment

If you’ve ever said “I’d retire early if it weren’t for health insurance,” this conversation is for you.

Resources:

• Learn more about Move Health: advisors.movehealth.io
• Connect with Cole: https://www.linkedin.com/in/cole-craven/,
• Follow Move Health https://www.linkedin.com/company/move-health-partners

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:...

View Details

What if you could give your kids a real head start—not just for college, but for life?

Melissa Joy, CFP®, sits down with fintech founder Philip Barrar to talk about building generational wealth the modern way—through financial literacy, access, and the right tools.

Philip shares how his company, Future Money, is helping families create a foundation for financial security—no trust fund required. From innovative accounts like the Junior Roth IRA™ (a 529-to-Roth pathway) to new “Trump Accounts” launching under the SECURE 2.0 Act, they explore how technology is democratizing wealth-building for everyday families.

Melissa and Philip also dig into:

• 💬 Why conversations about money at home matter more than ever
• 💸 How to make financial tools accessible without needing a million dollars first
• 🧠 Lessons in financial confidence for parents and kids
• 📈 New, tax-advantaged ways to invest for your child’s future

Together, they reframe generational wealth as something inclusive, intentional, and deeply personal—a legacy built not only on dollars, but on knowledge and confidence.

Connect with Philip:

https://www.futuremoney.co/

https://www.linkedin.com/in/philipbarrar/

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:...

View Details

What if your money mindset mattered as much as your money habits? 💭

This week, Melissa sits down with Aja Evans, licensed mental health professional, president of the Financial Therapy Association, and author of Feel Good Finance, to explore how emotions, upbringing, and self-worth shape the way we earn, spend, and save.

Together, they unpack how to identify your money story, recognize emotional spending triggers, and find balance between saving, spending, and satisfaction. From “Target trips gone wild” to understanding the dopamine behind shopping, Aja explains why awareness—not shame—is the first step toward financial peace.

You’ll learn how to:
💡 Uncover emotional roots behind your money habits
💡 Reframe guilt or scarcity into confidence and clarity
💡 Recognize when spending is self-care vs. self-sabotage
💡 Build a “feel-good” financial plan rooted in contentment, not comparison

Whether you overspend, underspend, or just want a healthier money mindset, this episode will help you bring a little more feel-good into your finances.

📘 Learn more about Aja’s work:

Connect on IG: @ajaetherapy

Connect on LinkedIn: https://www.linkedin.com/in/ajaevans/

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:...

View Details

What happens when money dynamics shift inside a relationship—and how do couples find fairness when life, careers, and income change?

In this episode, Melissa Joy, CFP® sits down with Heather and Douglas Boneparth, the powerhouse couple behind Money Together: How to Find Fairness in Your Relationship and Become an Unstoppable Financial Team.

Heather, a former corporate lawyer, and Douglas, founder of Bonafide Wealth in New York City, open up about how their own experiences as partners, parents, and business owners inspired the book—and why talking about money as a team is harder (and more important) than ever.

Together, they explore:

• ⚖️ How power dynamics around money evolve over time—and what couples can do to keep conversations fair and balanced
• 💬 Why curiosity and communication are the foundation of financial teamwork
• 💡 The “aha” moments from interviewing 75+ couples about love, money, and identity
• ❤️ Why fairness doesn’t always mean 50/50—and how to navigate changing roles without resentment
• 🧩 The link between our upbringing, money habits, and emotional reactions in financial conversations
• 📖 What they learned from writing the book together—and how it reshaped their own partnership

Melissa and her guests also discuss what advisors can take away from Money Together: how to see both partners equally, ask better questions, and help clients build stronger financial relationships—not just portfolios.

✨ Whether you’re managing finances solo or as part of a couple, this conversation reminds us that money isn’t just math—it’s meaning, emotion, and teamwork.

📚 Learn more:
Money Together: How to Find Fairness in Your Relationship and Become an Unstoppable Financial Team
👉 www.domoneytogether.com
👉 www.readthejointaccount.com

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:...

View Details

How do you help your kids get into the right college—without sacrificing your financial future?

Melissa Joy, CFP®, sits down with Shellee Howard, Founder and CEO of College Ready, to talk about smart, stress-free strategies for college admissions and funding.

A certified college admissions strategist, Shellee turned her own experience guiding four very different kids through the college process into a mission: helping families nationwide find the best academic, social, and financial fit. From creating a standout student profile to uncovering hidden scholarship opportunities, Shellee shares how to approach college planning with clarity, confidence, and strategy.

💡 Key Takeaways:

• Why college admissions should be approached like a business decision.
• The three funding mindsets: writing the check, earning scholarships, or finding schools that pay for your student.
• What FAFSA actually looks at—and why timing matters.
• How to find real, essay-based scholarships (and avoid scams).
• The “Millionaire Game” exercise to help your teen discover what drives them.
• Why the right fit school is more valuable than a “dream” school with a big price tag.

Shellee’s insights from College Ready help parents and students reduce stress, minimize debt, and make informed, values-based decisions about higher education.

🔗 Resources Mentioned:

• College Ready — Learn more about services, free consultations, and resources.
• Podcast: Parents, Is Your Teen College Ready?
• Books by Shellee Howard, available on Amazon

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:...

View Details

What if knowing your worth became the engine of your wealth?

Strategist and former credit-union executive Bryn Conway joins Melissa Joy, CFP® for a candid, practical conversation about women, wealth, and worth—why the gaps persist and how to close them with informed choices, confident negotiation, and everyday money moves.

Bryn breaks down the landscape—pay, advancement, earnings, and wealth—and how culture, career paths, and compensation structures (including equity) shape outcomes. She shares simple, repeatable actions: normalize money conversations, apply before you feel “100% ready,” negotiate every offer, and “pay future-you first.” Melissa adds planner-level insights on using a financial plan to manage your human capital—from asking for more to aligning your role with your goals.

Together, Bryn and Melissa reframe the path forward: turn passive awareness into active steps that compound over time, build resilience, and help women advance—at work and in wealth.

This episode is a reminder that your value isn’t just recognized—it’s negotiated, nurtured, and compounded.

💡 Key Themes Covered:

• The four gaps women face: pay, advancement/opportunity, lifetime earnings, and wealth
• Why roles, sectors, and equity compensation widen outcomes—and how to navigate them
• “Apply anyway”: closing the confidence gap and raising your hand before you feel ready
• Negotiation playbook: know the comps, make a specific ask, and revisit review/raise cadence
• “Pay future-you first”: enroll in the match and send half of every raise to long-term savings
• Normalize money talks: mentors, sponsors, and transparent check-ins that build confidence and change results

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:...

View Details

What if planning now could be the greatest act of care?

Journalist and MarketWatch columnist Beth Pinsker joins Melissa Joy, CFP® for a compassionate, practical conversation on financial caregiving—the real work we do for the people we love (and our future selves). Beth opens up about the whirlwind that followed her mom’s surgery: hospital stays, paperwork marathons, and a long-term care scare that nearly derailed benefits. Through her new book, My Mother’s Money: A Guide to Financial Caregiving, she lays out a simple roadmap—documents to have before a crisis, a one-page medical “cheat sheet,” and why simplifying accounts and beneficiaries might be the most loving step you take this year.

Together, Beth and Melissa unpack how to connect the legal, medical, and financial lanes so caregivers can act quickly (and confidently). From the $100 POA that can save $18,000+ and a year of guardianship hassles, to making sure trusted contacts and online access are current, this episode turns overwhelm into a plan.

This is your nudge: fear and uncertainty are inevitable—but you can still take control of the plan.

💡 Key Themes Covered

• How a simple medical + contacts cheat sheet can save precious time in emergencies
• The “$100 vs. $18,000” reality: POA/healthcare proxy/HIPAA before a crisis vs. guardianship later
• Why women often shoulder caregiving—and how to prepare even if you’re not the household “money person”
• Long-term care pitfalls (missed paperwork, past-due notices) and how to prevent coverage lapses
• Simplify to protect: consolidate old 401(k)s, confirm beneficiaries/TODs, set legacy/phone access
• The caregiver wallet: cash-flowing expenses, reimbursement timelines, and organizing receipts
• Conversation starters with parents, partners, and siblings to align on roles and next steps

Connect with Beth Pinsker

🔗 LinkedIn: linkedin.com/in/bpinsker

🌐 Bluesky: bsky.app/profile/bethpinsker.bsky.social

📸 Instagram: @bethpinsker_ny

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:...

View Details

Fall isn’t just for cider mills, football games, and cozy sweaters—it’s also the perfect season to reset your financial life. In this solo episode, Melissa Joy shares seven practical tips to help you take advantage of seasonal opportunities and set yourself up for success before the year ends.

From open enrollment decisions and maximizing workplace benefits to planning for holiday spending, reviewing your investments, and checking in on your estate plan—Melissa walks through the steps that can help you move forward with clarity and confidence.

You’ll learn how to:

• Make the most of your employer benefits and avoid last-minute enrollment stress
• Use remaining 2025 benefits wisely, from FSA dollars to legal perks
• Take proactive steps on taxes before December 31
• Plan and budget for the holidays to avoid year-end financial regret
• Rebalance your portfolio and revisit investment opportunities
• Update beneficiaries, life insurance, and estate planning documents
• Conduct a fall financial health check and set goals for the new year

As Melissa reminds us, progress is always more important than perfection. Pick one or two of these seasonal money tasks, get them done, and set the tone for a stronger financial future.

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:...

View Details

What if fear could become the framework for your strength?

Chiropractor, business owner, and TEDx speaker Dr. Rubina Tahir joins Melissa Joy, CFP® for an inspiring and deeply personal conversation on navigating fear, health, and money with courage and clarity.

Rubina shares her journey as a BRCA1 carrier, her shocking breast cancer diagnosis just weeks before delivering her TEDx talk, and how she built a practical framework—Honesty, Options, Decisions—to move from paralysis to empowerment. Along the way, she reveals why self-talk can be life-saving, how body autonomy shaped her medical choices, and what financial lessons she learned from facing the unexpected costs of cancer treatment.

Together, Rubina and Melissa unpack the intersections of health and money: why knowing your deductible is essential, the role of disability insurance, and how emergency reserves protect you from both everyday curveballs and life-altering diagnoses.

This episode is a reminder that while fear is inevitable, you do have power over your plan.

💡 Key Themes Covered:

• How “financial scar tissue” from past experiences shapes both money and health choices
• Why self-talk and inner dialogue are powerful tools for resilience
• The importance of body autonomy and choosing what’s right for you in medical decisions
• Knowing your medical deductible and building cash reserves as part of financial self-care
• Disability insurance, business continuity, and other protections for life’s “what-ifs”
• How community, advocacy, and the Making Strides Walk fuel hope and healing

🔗 Connect with Dr. Rubina Tahir
🎥 TEDx Talk

💗 Fundraising page (Making Strides Walk, October)

📸 Instagram & Instagram (Positivity & Truth)

Facebook

💼 LinkedIn

🌐 Website

Twitter/X

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:...

View Details

What if your biggest money challenges aren’t about math at all—but about the feelings and “financial scar tissue” you’ve been carrying for years?

In this episode of Women’s Money Wisdom, Melissa Joy, CFP®, welcomes fellow advisor and author Shannon Ryan, CFP®, to talk about her new book Your Money Has Feelings. Together, they explore why money is so deeply emotional, how early experiences shape lifelong financial habits, and what it takes to align money with what really matters.

In this conversation:

• What “financial scar tissue” is and how it quietly drives our choices
• Why money feels primal—and why society equates wealth with worth
• The hidden cost of “shoulds” like paying off the house or funding 100% of college
• Permission to spend: overcoming scarcity when you have more than enough
• Overspending as self-soothing—and ways to realign short-term habits with long-term goals
• Why micro-decisions (like raising your 401(k) 2%) create big momentum
• The psychological leap into retirement and why it feels harder than the numbers suggest

Key takeaways:

• Naming your money story is the first step to changing it.
• You can have anything, but not everything—clarify what matters most now.
• Progress is built on small, repeatable actions, not perfection.
• A trusted planner can simplify the math and hold space for the feelings.

Resources & Links:

• Your Money Has Feelings by Shannon Ryan, CFP® – https://www.amazon.com/Your-Money-Has-Feelings-Understand/dp/B0F1XH6DYD
• Author website: https://www.shannon-ryan.com

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:...

View Details

Why do so many of us struggle to follow through on the money habits we know are important? In this episode, Melissa Joy, CFP®, explores the psychology behind three common money behaviors:

• Overspending – from emotional triggers to lifestyle creep and comparison culture
• Undersaving – how present bias and scarcity mindset can sabotage long-term planning
• Freezing – the shame and avoidance that keep us from making financial decisions at all

Melissa shares relatable examples and practical strategies to break free from these cycles. From setting up automatic savings, to creating “fun money” categories in your budget, to celebrating small wins, she explains how incremental progress can rewire your money story.

Resources & Mentions:

• The Geometry of Wealth by Brian Portnoy
• The Psychology of Money by Morgan Housel
• The Behavioral Investor by Daniel Crosby

If you’ve ever felt stuck or ashamed about money, this episode will help you move forward with more self-compassion, awareness, and action.

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:...

View Details

Gen X may be the “forgotten generation,” but they’re shaping retirement in powerful new ways.

Melissa Joy, CFP®, sits down with retirement coach Joy Levin, founder of GenX Encore, to explore how high-achieving Gen X professionals can prepare for what’s next. With longer lifespans, fewer pensions, and careers built on resilience, Gen Xers are facing retirement unlike any generation before.

Joy shares her research and coaching insights on navigating the identity shifts, social transitions, and planning gaps that often go unaddressed in traditional financial prep. Together, they unpack how to reframe retirement as an encore—a purposeful, fulfilling new chapter.

💡 Key Themes:

• Why Gen X resilience is an asset (and a challenge) in retirement
• The risks of skipping emotional + lifestyle planning
• How to align with your spouse/partner on retirement goals
• Avoiding social isolation in retirement and building new connections
• Encore projects: turning passions into purpose
• The power of holistic retirement planning—beyond the numbers

Connect with Joy: www.genxencorelife.com

Linkedin: www.linkedin.com/in/joyatallium

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:...

View Details

Do you already know the date of your retirement—or are you simply dreaming of leaving the workforce sooner than 65?

In this replay of one of our most popular Women’s Money Wisdom episodes, Melissa Joy, CFP®, explores what it takes to prepare for early retirement. She explains why it’s not just about having a date on the calendar, but also about creating flexibility in your plan in case life throws you a curveball.

You’ll learn:

• Who should consider planning for early retirement—even if you think you’ll work longer
• Common assumptions vs. the reality of when most people actually retire
• Key “rules of thumb” financial planners look for when evaluating early retirement readiness
• Why multiple savings buckets (401(k), Roth, brokerage, cash, pensions) matter so much
• Strategies for tax planning, health care coverage, and income replacement before Social Security and Medicare kick in
• The importance of mindset, lifestyle choices, and building a fulfilling life outside of work

Retirement isn’t just about money—it’s about freedom, purpose, and designing a meaningful life for decades to come.

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:...

View Details

What do Roth accounts, Dave Ramsey, and emergency funds have in common? They all came up when Melissa Joy, CFP®, opened the floor to your questions.

At the Dexter Summer Festival, Melissa asked community members to submit their burning money questions—and now she’s answering them in this special mailbag episode. From investment strategies to budgeting hacks, she covers the practical, the personal, and the myths worth busting.

💡 Topics Covered:

• Roth IRA vs. Roth 401(k)—which makes more sense for you?
• The pros and cons of Dave Ramsey’s advice
• Smart strategies for building an emergency fund that lasts
• Practical (and realistic) ways to cut expenses
• Mistakes new investors often make—and how to avoid them
• Whether you should pay off debt or save for retirement (spoiler: it’s not either/or)

If you’ve ever wondered what a CERTIFIED FINANCIAL PLANNER™ really thinks about these topics—or you’ve been waiting to hear your own question answered—this is the episode to tune in.

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:...

View Details

Is the Roth the secret weapon of retirement planning?

Melissa Joy breaks down everything you really need to know about Roth IRAs and Roth 401(k)s—from how they work and who they’re best for, to why they’ve become a powerful tool for long-term financial freedom.

Whether you're early in your career or already eyeing retirement, understanding the pros and cons of Roth accounts can help you make smarter tax decisions and build wealth that grows—and comes out—tax-free.

Melissa covers:

• ✅ Roth vs. Traditional contributions: what’s the difference?
• 📊 Roth income limits, contribution caps, and how they’ve changed over time
• 🔁 What a Roth conversion is (and when it makes sense)
• 🚪 The “Backdoor” and “Mega Backdoor” Roth strategies
• 👨‍👩‍👧‍👦 Why Roth accounts can be powerful legacy tools for your heirs
• 🎯 How to build tax diversification into your retirement game plan

This episode clears up common misconceptions and explores the real value of Roths—not just as a savings option, but as a strategic move in your larger financial plan.

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:...

View Details

What if the hardest part of retirement isn’t financial—but emotional?

Retirement isn’t the goalpost we’ve been taught to chase. It’s a major life transition, and according to retirement researcher and financial planner Dan Haylett, many people arrive unprepared—not because the math is wrong, but because they never planned for what comes next.

Melissa Joy, CFP® sits down with Dan—author of The Retirement You Didn’t See Coming and host of the Humans vs Retirement podcast—to explore the emotional landscape of retirement and why most planning misses the mark. Together, they unpack the “Retirement Reinvention Curve,” a three-phase, eight-stage model that reflects the psychological shifts retirees experience.

They go beyond the portfolio to talk about identity loss, the illusion of a permanent vacation, and how to find rhythm, purpose, and joy in life after work.

Whether you're preparing to retire or helping clients make the leap, this conversation will shift your perspective on what truly matters most.

💡 Key Themes Covered:

• Why financial planning should be 70% life and 30% numbers
• The five pillars of a thriving retirement: Purpose, Identity, Relationships, Structure & Wellbeing
• What most people miss when they focus only on "retiring from" instead of "retiring to"
• The emotional curve of retirement—from shock to elation to flourishing
• How to navigate identity loss when the job title goes away
• Tools for couples to align their personal and shared retirement visions
• Why your post-retirement rhythm matters more than your withdrawal rate
• How relationships shape retirement happiness more than wealth

🔗 Resources:

• Dan's website: www.humansvsretirement.com
• Podcast: Humans vs Retirement
• Book: The Retirement You Didn’t See Coming
• Connect with Dan: LinkedIn – Dan Haylett

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:...

View Details

What if your biggest financial setbacks were actually the foundation for your comeback?

Tax professional and financial literacy advocate Michelle Campbell joins Melissa Joy, CFP® for a powerful conversation on shame-free money management, taking control of your financial future, and rising from the ashes—literally.

Michelle shares her journey from five evictions and over $500K in debt to becoming an IRS-enrolled agent, nonprofit founder (Hashtag Stability), and author of the memoir Bluebird. With honesty and heart, she reveals how facing her numbers changed everything—and how she now helps others do the same.

Together, they unpack the emotional weight of debt, the myths that keep people stuck, and how understanding tax law can be a radical act of empowerment—especially for women and those overlooked by traditional financial systems.

This conversation is for anyone who’s ever felt behind, buried by shame, or unsure where to start. Spoiler alert: the first step is just looking.

💡 Key Themes Covered:

• Getting honest: Why knowing your numbers is the first step to freedom
• Breaking the silence around debt, shame, and financial trauma
• The biggest myths about budgeting, credit, and investing (and what’s actually true)
• What to know about debt collectors, credit reports, and disputing errors
• Why tax literacy is a superpower—especially for business owners
• How Michelle uses her story to educate and advocate through Hashtag Stability
• Why success isn’t about having it all—it’s about understanding what you actually want

Connect with Michelle:

ByMichelleCampbell.com

Facebook

https://www.instagram.com/bluebirdmemoir/

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:...

View Details

Summer often invites us to pack in travel, events, and to-do lists—but what if the most powerful move you could make right now is to slow down?

In this solo episode, Melissa Joy, CFP®, reflects on her own slower-paced Michigan summer and the meaningful lessons it’s brought—about happiness, well-being, money, and the beauty of doing less with more intention. Drawing inspiration from the slow living and slow money movements, Melissa shares personal stories, client experiences, and practical ideas for embracing a slower rhythm in both your financial life and everyday choices.

Whether you're managing a hectic calendar or simply trying to spend more intentionally, this conversation offers a grounding reminder: small joys and deliberate choices add up to a truly rich life.

In This Episode, You’ll Learn:

• Why slowing down can increase your happiness, contentment, and financial clarity
• How the slow money movement parallels the principles of long-term investing and sustainable living
• Why “less but better” spending habits often lead to greater satisfaction
• How to audit your subscriptions, triage financial decisions, and adopt a summer spending pause
• The link between gratitude, joy, and long-term financial success
• Real-life strategies to savor the season without overspending

Melissa also shares a must-read article from The New York Times on finding “microjoys” in daily life—a beautiful reminder that happiness doesn’t always require a major overhaul.

📩 Tiny Little Joys: https://www.nytimes.com/2025/06/27/well/happiness-positivity-tiny-little-joys.html?unlocked_article_code=1.S08.MfIZ.W_os-KboW4X-∣=url-share

Slow Money Movement: https://verifiedinvesting.com/blogs/education/the-slow-money-movement-long-term-investing-in-a-fast-paced-world

WomensMoneyWisdom #SlowMoney #FinancialWellness #MindfulSpending #JoyInTheLittleThings #IntentionalLiving

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:...

View Details

In this special solo episode, Melissa Joy, CFP®, CDFA, breaks down the newly passed One Big, Beautiful Bill Act—yes, that’s really the name!

Signed into law on July 4th, this sweeping piece of legislation (affectionately nicknamed “OB3”) will impact everything from your tax brackets to your charitable deductions, and much more in between.

Whether you’re a retiree, parent, small business owner, or high earner, Melissa walks through what’s changing, what’s staying, and what you need to know to navigate the financial road ahead.

⚖️ Key Topics Covered:

• 🧾 Tax Brackets & Deductions: 2017 rates are now made “permanent,” with small tweaks and no sunset provisions—yet.
• 👵🏽 Seniors Win Big: A new $6,000 deduction and reduced taxation on Social Security (but only for four years…for now).
• 👶🏽 Families with Kids: Increased child tax credit and the introduction of a new “Trump Account” for minors.
• 🏠 Homeowners & Itemizers: Mortgage interest deduction remains capped at $750K—but now includes mortgage insurance premiums.
• 💸 SALTs Revived: The state and local tax deduction cap is increased to $40,000 for many, offering potential relief for homeowners in high-tax states.
• 🍽️ Tipped & Hourly Workers: Temporary deductions for tips and overtime income, subject to income thresholds.
• 🚗 New Car Loan Deduction: But only for U.S.-assembled vehicles purchased after 2024 and under strict income limits.
• 🌱 Clean Energy Credits: Act fast—many are phasing out earlier than expected.
• 🏛️ Estate & AMT Revisions: Estate tax exemptions rise to $15M per person in 2026, and AMT thresholds shift downward.
• 👩🏽‍💼 Small Business Owners: Expanded access to deductions like Section 179, QBI (199A), family leave credits, and retirement plan incentives.
• 🎓 Student Loans & 529s: Parent PLUS loans capped; 529 plans expanded for apprenticeships, therapy, and some non-degree programs.

📬 Resources Mentioned:

• Melissa’s deep-dive blog post on OB3

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:...

View Details

What if success didn’t have to come with stress, hustle, and emotional burnout? Performance coach Brandi Hudson joins Melissa Joy to share how high-achievers can shift from chasing external validation to building a life rooted in purpose, clarity, and peace.

Brandy introduces her powerful BASE framework—Beliefs, Alignment, Self-Awareness, and Emotional Resilience—a mindset map for those ready to evolve from achievement to mastery. Together, they explore the inner work it takes to untangle limiting beliefs, align your desires with your emotions, and build true emotional resilience so that success actually feels successful.

This conversation is for the doers, the leaders, the “check-the-box” professionals who suspect there’s more waiting on the other side of the hustle.

💡 Key Themes Covered:

• Rethinking success: Why accomplishments alone don't guarantee fulfillment
• How subconscious beliefs quietly shape your relationship with money, health, and love
• The difference between wanting money and understanding what you actually want it for
• Why emotional resilience is the ultimate leadership skill
• Tools to align your internal world with your external goals

Connect with Brandi Hudson

🔗 Facebook: facebook.com/hibrandihudson
📸 Instagram: @brandibhudson
▶️ YouTube: @brandibhudson
🐦 X (formerly Twitter): @brandibhudson
💼 LinkedIn: linkedin.com/in/brandibhudson

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:...

View Details

Ever wonder what separates thriving CEOs from those who struggle?

The secret isn't just business savvy—it's mindset. This compelling conversation with Megan Schwan, founder of Sidekick Accounting Services, explores how CEO-level thinking can radically improve both your business and your personal finances.

As a single mom and successful entrepreneur with over 11 years of experience, Megan shares her journey from surviving to thriving. She explains how transitioning from reactive, task-based management to intentional, strategic leadership transformed her business and life. This mindset shift is equally powerful when applied to personal finances.

Megan also emphasizes the power of embracing your financial data. Avoiding your numbers may feel safer, but regularly reviewing them is the key to clarity and confidence. Her use of the Profit First methodology ensures you pay yourself first and run a business—or a household—that works for you.

We explore why outsourcing isn’t a sign of failure, but a strategic tool for growth. Whether it's hiring in your business or getting help at home, letting go of the guilt around asking for support can unlock a new level of financial and emotional well-being.

Whether you're a business owner, managing household finances, or juggling both, this episode delivers real, relatable insights to help you become the CEO of your money. Tune in for actionable tips, powerful mindset shifts, and a reminder that financial leadership starts with you.

Key Takeaways:

• Shifting from doing the work to strategic thinking changes everything
• Setting boundaries protects your energy and your priorities
• Financial data is a tool for empowerment, not something to avoid
• Profit First helps ensure you prioritize your own pay
• Delegation and outsourcing free up space for growth
• Grace and small wins help maintain long-term financial momentum
• Vulnerability and support-seeking are strengths in any financial journey

If you found value in this episode, please share it with a friend or leave us a review.

Connect With Megan:

https://www.linkedin.com/in/meganmschwan/

https://www.instagram.com/mompreneurof4/

https://www.facebook.com/sidekickaccounting

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:...

View Details

Ever feel like some financial "truths" don't quite add up? In this episode of Women's Money Wisdom, Melissa Joy, CFP®, teams up with colleague Alexa Kane, CFP®, for a candid conversation challenging some of the most widely accepted (but often unexamined) money beliefs.

🔍 What they unpack:

• The Hidden Costs of Buy Now, Pay Later:
  From fast food to impulse buys, installment payment apps are everywhere—but at what cost? Melissa and Alexa reveal how these “convenient” options can become debt traps, especially for younger consumers.
• The Case Against Aging in Place:
  It’s a common goal—but is it always the best one? Learn why staying in your home might not be ideal and how retirement communities could offer more social, emotional, and physical support in the long run.

💬 Expect real stories, smart analysis, and bold perspectives that just might shift your thinking. Plus, a preview of what’s next: a hot take on life insurance as an investment.

🎧 Listen now and consider:

• Are your financial choices based on habit—or strategy?
• Could your assumptions about aging be holding you back?
• Who needs to hear this? Forward it to a friend.

📍Resources and more: pearlplan.com

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:...

View Details

Ever dreamed of owning a business but felt overwhelmed by starting from scratch?
Franchising might be the solution you didn’t know you needed—offering the independence of entrepreneurship with the structure and support of an established brand.

Melissa Joy, CFP® is joined by husband-and-wife team Alex and Julie Roberts to explore the world of modern franchise ownership. With over two decades of industry experience, Alex is the founder of The Franchise Playmaker, helping professionals navigate over 4,000 franchise options to find the right fit. Julie is the founder of Kindling Creative and brings her marketing savvy to their newest venture: opening The Milkshake Factory in Ann Arbor.

From surprising truths about franchise selection to behind-the-scenes insights into local marketing and revenue strategy, this conversation is packed with actionable takeaways—especially for professionals looking to transition out of corporate roles into entrepreneurship.

Key Highlights:

• Why most franchise owners end up choosing a brand they never expected
• How franchise consultants work like realtors to guide the process
• The rise of franchising among 45–55 year-olds seeking more control
• What “validation” means in the franchise world—and why it’s essential
• Creative marketing tactics from Julie, including local partnerships and community events
• The realities of ownership: “There’s no such thing as absentee franchising”

Resources Mentioned:

• Connect with Alex: franchiseplaymaker.com
• Follow their journey IG: @milkshakefactorya2

This episode is for anyone exploring entrepreneurship, looking for a career pivot, or simply curious about how franchising really works—beyond the buzzwords.

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:...

View Details

What happens when financial advisors ignore half their potential clients?
They miss out on a trillion-dollar opportunity.

This compelling conversation with Cary Carbonaro, CFP® and author of Women and Wealth, explores how the financial services industry has consistently overlooked women—and what needs to change. As Cary puts it, “Financial services is the least sympathetic to women, but the one that has the most to gain if they get it right.”

We explore why 70–80% of women leave their financial advisors after the death of a spouse (hint: it’s not because they want to), and how common industry missteps—like unconscious bias, excessive jargon, and dismissing women’s priorities—push female clients away. Cary also unpacks key emotional and financial concerns, including the “bag lady fear” that affects over 50% of women regardless of net worth, and why values-based financial planning matters more than ever.

By 2030, women are expected to control two-thirds of the nation’s wealth—an estimated $30 trillion—driven by increased longevity, entrepreneurship, “gray divorce,” and rising numbers of female breadwinners. This shift presents a massive opportunity for advisors who are willing to evolve.

Whether you're a woman taking charge of your finances, someone who wants to support the women in your life, or a financial professional aiming to create a more inclusive practice, this conversation offers powerful insights into why empathy, education, and intentionality lead to stronger financial outcomes for all.

Key Themes:

• How the industry has failed women—and how it can do better
• The emotional drivers behind women’s financial decisions
• Why women often switch advisors after major life events
• The trillion-dollar wealth transfer and what it means for the future
• Creating financial plans that prioritize purpose, not just performance

Connect with Cary Carbonaro
Website: https://carycarbonaro.com/
LinkedIn: https://www.linkedin.com/in/carycarbonarocfp/
Facebook: https://www.facebook.com/ccarbonaro
Instagram: https://www.instagram.com/carycarbonaro/ https://x.com/CaryCarbonaro

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:...

View Details

What does it really mean to live life on your own terms?

Melissa Joy, CFP®, is joined by Sherita Janielle—digital marketing consultant, and entrepreneur who pulls back the curtain on what it looks like to redesign your life after a major transition, reject societal timelines, and prioritize fulfillment, flexibility, and financial sustainability.

After a career in finance, Sherita transitioned to entrepreneurship. Following her divorce, she took a leap and embraced a life she once never imagined—working remotely while traveling the world. But this conversation goes far beyond digital nomadism. It’s about crafting a life that aligns with your values, your energy, and your vision of success—whether that means flying across continents or simply living more intentionally at home.

Melissa and Sherita dig into:

• Rebuilding life and finances post-divorce
• Why location independence can actually be more affordable than city life
• The power of saying "no" to society’s expectations (and "yes" to your own)
• Building authentic community while traveling solo
• The importance of not making long-term decisions in a temporary mindset
• Why it's okay to change course and not have it all figured out

This episode is for anyone questioning the status quo, navigating a life transition, or dreaming of a different kind of success.

Connect with Sherita:

• Get the Digital Nomad Blueprint
• Instagram: @sheritajanielle
• Website: modernwomanagenda.com

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:...

View Details

Working harder isn’t the answer—thinking strategically is.

In this empowering episode, Melissa Joy, CFP®, sits down with executive coach Jackie Simon to explore what it really takes to grow your career—and your income. From navigating leadership roles to preparing for bold career moves, Jackie shares how to shift from “doing more” to demonstrating more value.

💡 Learn why:

• Simply putting in the hours won’t get you promoted—or paid what you’re worth
• Building a team that can run without you is the key to advancement
• Strategic networking (inside and outside your company) is non-negotiable
• Accepting less money to switch industries isn’t a smart move
• You should never underestimate the financial power of a well-timed job change

Jackie also shares practical tips for identifying mentorship opportunities, managing career uncertainty, and aligning your professional path with your financial goals.

🎧 Whether you're eyeing the C-suite, recovering from a layoff, or just ready for what’s next—this episode will help you take control of your trajectory with intention and confidence.

Learn more at JackieSimonCoaching.com.

Connect on LinkedIn: www.linkedin.com/in/jackiesimoncoaching1

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:...

View Details

Ever wondered how people afford champagne and lie-flat seats at 35,000 feet?

Hint: It's not always their wallet—it's their credit card strategy.

In this episode, Melissa Joy, CFP®, sits down with travel pro and entrepreneur Bry Keith to reveal how to turn everyday spending into extraordinary travel experiences using credit card points. Bry shares how she went from corporate finance and tech to helping clients fly business class for pennies on the dollar—sometimes squeezing 5–10x more value out of their points.

You’ll learn:
✈️ The #1 mistake most travelers make when using points (and how to avoid it)
💳 How to build a card portfolio with “main dishes” and “side dishes” for max value
🏨 Ways to elevate your entire trip—lounge access, hotel upgrades, TSA PreCheck, and more
🌈 Special travel tips for LGBTQ+ travelers navigating safety and inclusivity abroad
🚀 What it’s really like to leave corporate life and build a business around your passion

Whether you’re points-curious or already deep in the rewards game, this episode will help you travel smarter, better, and often—without breaking the bank.

🎧 Ready to level up your travel game?
Listen now to unlock the secrets of luxury travel on a budget.
#WomensMoneyWisdom #TravelHacks #CreditCardPoints #SmartTravel #FinancialFreedom #LuxuryForLess

Resources:

Website: https://www.bryguides.com/

1:1 Consult Tool: https://www.bryguides.com/pointsconsulting

Points Deal Finder Tool: https://www.bryguides.com/pointsdeals

MasterClass: https://www.bryguides.com/masterclasslaunch

Connect: IG & 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:...

View Details

What really happens when someone passes away—and are you (or your family) prepared to handle it? In this episode of Women’s Money Wisdom, Melissa Joy, CFP®, sits down with Rachel Donnelly, founder of Afterlight and author of Late to Your Own Funeral, to unpack the messy, often overwhelming world of death administration.

Rachel shares her personal story of becoming executor for both her parents’ estates—while working full-time and raising young children—and how that experience inspired her to build a business helping others avoid the same chaos. Together, Melissa and Rachel dive into the real work that goes beyond writing a will: handling assets, updating beneficiaries, navigating probate, and keeping bills paid when no one’s watching.

They discuss why so many women delay estate planning, the hidden landmines (like untitled assets and digital accounts), and how you can start untangling this intimidating topic with simple, practical steps. The conversation also tackles how to bring up these sensitive issues with family, why “co-anything” can backfire, and how to avoid turning a loved one’s legacy into a logistical nightmare.

Key Takeaways:

• Estate planning isn’t just about legal documents—it’s about full asset management and communication.
• Women are more likely to delay estate planning, often because they don’t know where to start.
• Probate horror stories highlight why comprehensive planning matters.
• Digital assets (social media, crypto, email) need to be included in your plan.
• Choose roles (executor, trustee) carefully—co-roles can create more problems than they solve.
• Even imperfect action now is better than procrastinating and risking chaos later.
• Having the tough conversations with family now can save heartache and confusion later.

Whether you’re starting from scratch or fine-tuning your existing plan, this episode will give you the confidence to take action—because death is inevitable, but an administrative nightmare doesn’t have to be.

Learn more & connect with Rachel:
Website: www.myafterlight.com
Instagram: @myafterlight
LinkedIn: Rachel Donnelly
Book: Late to Your Own Funeral

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:...

View Details

Spring is the perfect time for more than just a closet refresh—your finances deserve a reset too!

In this practical, action-driven episode of Women’s Money Wisdom, Melissa Joy, CFP® shares 20 powerful strategies to reinvigorate your financial life with the same fresh energy that spring cleaning brings to your home.

From reviewing your budget in today’s uncertain economy to automating savings and tackling debt in a high-interest environment, each suggestion is designed to be practical, manageable, and highly effective. Whether you’re ready to revamp your beneficiary designations, audit your insurance coverage, consolidate accounts, or simply schedule regular “money dates,” these steps are all about reducing financial stress and building momentum toward your goals.

Melissa draws on real-world client experiences to offer tips that are proven to deliver results—without overwhelming you with complexity. Every recommendation includes ideas for how and when to take action, helping you make meaningful progress without feeling stuck.

Key Topics Covered:

• How to prioritize small financial wins for big impact
• Why reviewing your beneficiary designations is crucial
• The value of an insurance audit to protect your financial future
• Smart ways to tackle debt and manage rising interest rates
• The benefits of automating savings and financial organization
• How to maximize unused loyalty rewards
• Tips for setting consistent money dates for accountability and partnership
• Why financial spring cleaning is about progress, not perfection

Download the full checklist mentioned in this episode at pearlplan.com and track your progress as you bring clarity, confidence, and momentum to your financial 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:...

View Details

💬 Are you leaving money on the table by not understanding your equity compensation?

Equity compensation is no longer reserved for top tech execs—it’s becoming a standard part of pay packages across industries. In this empowering and informative episode, Melissa Joy , CFP® breaks down the increasingly common but often misunderstood world of Restricted Stock Units (RSUs).

Whether you already receive RSUs or are considering a job offer that includes them, this episode is packed with essential knowledge to help you make confident, informed decisions.

💡 What You’ll Learn:

What RSUs Are - A quick breakdown of how they work and why they matter.

Vesting & Taxes - Why timing matters—and how to avoid surprise tax bills.

Women & Equity Pay - Why women often miss out—and how to change that.

Smart Strategies - How to handle vested shares and reduce risk.

Big Picture Planning -Ways to fold RSUs into your overall financial plan.

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:...

View Details

Is now a smart time to buy a home—or just a risky financial move?

On this episode of Women's Money Wisdom, host Melissa Joy, CFP® sits down with returning guest and mortgage specialist Erica Powers CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. She unpacks the ever-changing housing market and what it means for your money moves.

With over 20 years of experience and certifications in divorce lending and mortgage planning, Erica helps us cut through the confusion about mortgage rates, affordability, and refinancing strategies.

Together, Melissa and Erica explore:

🏡 The real reasons mortgage rates rise and fall—spoiler: it's not just the Fed
📍 Regional housing market trends across the U.S.—from inventory shortages to insurance issues
💡 How to evaluate if refinancing makes sense (and how to find your break-even point)
⏳ Advice for buyers on when to act and why trying to time the market is a myth
📈 What adjustable-rate mortgage holders need to know before their reset

Whether you’re a first-time buyer, thinking of refinancing, or just trying to understand how rates work, this episode will leave you feeling more informed and financially empowered.

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:...

View Details

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 workforce
• The impact of inflation and rising living costs on retirement timelines
• Confidence disparities across age groups and between men and women
• Commonly underestimated costs in retirement—especially healthcare
• How phased retirement is changing the traditional retirement model
• The importance of flexible, forward-looking planning strategies

Tune 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:...

View Details

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:

📉 Why emotional responses to market movements can lead to unintended consequences
📊 How continued contributions during down markets may support long-term goals
📋 Considerations for tax-loss harvesting, Roth conversions, and estate planning in down markets
🧠 Understanding the emotional side of investing and building financial resilience
⚖️ The value of small, intentional adjustments over reactive decision-making

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:...

View Details

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 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:...

View Details

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:
💡 Why women hesitate to take financial control—and how to change that
💰 12 simple steps to start investing today (without the intimidation)
🚗 Car-buying traps to avoid & negotiation hacks
📊 The gender pay gap & why every woman MUST negotiate her salary
📈 How women outperform men as investors (and why we should embrace that confidence!)

💥 This Equal Pay Day, let’s change the conversation. Women deserve more money, more confidence, and more financial power. This episode will help you take the next step toward that.

📢 What’s one financial move you’re committing to today? Drop it in the comments and let’s empower each other!

📖 Follow Alison Kosik on Instagram @AlisonKosik & grab her book at major retailers today!

WomensMoneyWisdom #EqualPayDay #CloseTheGap #KnowYourWorth #NegotiateYourWorth #WomenAndMoney #MelissaJoy #AllisonKosick

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:...

View Details

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:

💡 The Origins of Money Silence – Kathleen explains how our reluctance to discuss money started centuries ago as a form of protection but now acts as a barrier to financial literacy, confidence, and fair compensation.

🧠 Understanding Your Money Story – Before having important financial conversations with partners, children, or aging parents, self-reflection is key. Both emphasize that knowing your own money story creates a foundation for more authentic and productive discussions.

📊 Money Archetypes & Awareness – There’s no "perfect" money personality. Kathleen introduces different money archetypes and how understanding them can help you make better financial decisions.

👩‍💼 Women, Wealth & Workplace Confidence – Melissa shares why women often undervalue their skills in the workplace and how identifying your financial superpower—the unique value you bring—can help you negotiate with confidence and build wealth.

💰 Breaking the Silence for Financial Growth – Open conversations about wealth, investing, and financial planning are essential. Silence keeps women from maximizing their earning potential, making strategic investments, and stepping into financial leadership roles.

❤️ Money & Relationships – Talking about money isn’t just about numbers—it’s about values, security, and trust. Kathleen and Melissa explain how breaking money silence can strengthen personal and professional relationships.

🎯 Your Action Step: Commit to having one money conversation you wouldn’t have had before. Whether it’s with a partner, boss, or financial advisor, that single step can transform your financial confidence and help break generational money taboos.

Resources Mentioned:

📄 Free Financial Planning Resources – Get insights from Melissa at Pearl Planning

📘 Breaking Money Silence – Learn more from Kathleen at kbkwealthconnection.com

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:...

View Details

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 networks

Join 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:...

View Details

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:...

View Details

In this special milestone episode, we’re celebrating five years of the podcast and my 50th birthday with an empowering conversation about the transformative power of style!

Joining her is Morgan Wider, founder of Wider Style and author of The Worthy Wardrobe, to explore how authentic self-expression through style can elevate confidence, impact success, and create alignment between personal and professional identity.

What does your wardrobe say about you? Whether you're navigating rigid dress codes, stepping into leadership roles, or simply seeking a wardrobe that makes you feel powerful and worthy, this episode offers deep insights into the interplay between fashion, self-worth, and success.

What You’ll Learn in This Episode:

✨ The Power of Authenticity in Style: Why dressing as your true self boosts confidence and how to balance self-expression with professional expectations.
✨ Vulnerability & Fashion: How your wardrobe reflects more than just appearance—it’s an emotional and psychological tool for self-acceptance.
✨ Strategic Wardrobe Investments: Where to spend vs. save when building a professional wardrobe, especially for women in male-dominated industries.
✨ Wardrobe as a Career Tool: How personal style impacts the way you're perceived and can open doors to unexpected opportunities.
✨ Smart Fashion Purchases: How to elevate your style on a budget with practical tips on investing in key pieces like blazers, shoes, and accessories.

Resources:

Morgan's online course! Listeners can get 25% off with the code PODCAST

IG: @morganwiderstyle

Connect on LinkedIn with Morgan

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:...

View Details

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:
📌 Connect with Kelly O'Donnell
📌 Learn more about EOS & the Vision Traction Organizer
📌 Download the VTO template:https://pearlplan.com/wp-content/uploads/2025/02/Family-VTO-Template.pdf

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:...

View Details

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 portfolios

But 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:...

View Details

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 planning
• Practical ways financial advisors can approach sensitive client challenges with empathy
• The psychological appeal of high-risk financial behaviors like crypto and meme stocks
• Strategies for fostering transparency and self-awareness in financial discussions

Resources & Mentions:

• Clarity Planning with Karen Coyne
• Related Episode: Tackling Mental Health in Financial Planning

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:...

View Details

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 LinkedIn

Ashley on LinkedIn

Treetown 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:...

View Details

In this enlightening episode, we sit down with Sharon McRill, founder of Betty Brigade, to explore the transformative power of professional organizing, outsourcing, and future-proofing your life. Sharon shares her journey from corporate burnout to building a business that helps clients manage home organization, relocation, and vendor coordination with ease.

We delve into the challenges faced by the "sandwich generation," juggling belongings and responsibilities for their children, spouses, and aging parents. Sharon shares a powerful story of how her team helped an overworked attorney reclaim his home and peace of mind, showing just how life-changing professional organizing can be.

Discover the art of maximizing your personal time by outsourcing tasks, rethinking the 'do-it-yourself' mindset, and focusing on what matters most. Learn how to cherish and use your treasured possessions rather than letting them gather dust and how clearing your physical space can enhance your mental well-being.

Sharon highlights her book, Downsizing the Silver Tsunami, a must-read guide for managing trusts, estates, and the emotional process of decluttering.

Listen and Learn:

• Reclaiming Your Space: How professional organizing can transform your home and well-being.
• The Sandwich Generation Struggle: Strategies to balance belongings and responsibilities across generations.
• Outsourcing for Success: Why letting go of the 'do-it-yourself' mindset can free your time and reduce stress.
• Cherishing Your Possessions: Using what you love and finding joy in your space.
• Future-Proof Your Life: The benefits of home inventories, wills, and trusts for peace of mind.
• Motivation and Momentum: How to tackle overwhelming projects and clear spaces faster.
• Expert Advice: Practical tips from Sharon's book, Downsizing the Silver Tsunami, on managing estates and trusts.

Resources Mentioned

• Downsizing the Silver Tsunami by Sharon McRill
• Betty Brigade Services
• IG @bettybrigade

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:...

View Details

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:...

View Details

Ever thought estate planning was only for the wealthy or elderly?

Think again. In this episode of the Women's Money Wisdom Podcast, renowned estate planner Jennifer Rozelle joins us to demystify the often-overlooked world of estate planning. Together, we explore why starting your estate plan early is essential, regardless of your age or financial situation.

From navigating guardianship for young families to managing complex financial assets in retirement, Jennifer offers invaluable advice to help you avoid common mistakes and secure your loved ones’ futures. We dive into the hidden complexities of wills, probate, and beneficiary designations, highlighting why relying on default intestacy laws can lead to unintended consequences.

With engaging real-world examples—including celebrity estate planning missteps from icons like Aretha Franklin and Kobe Bryant—we emphasize the importance of regular updates, personalized planning, and clear communication. Jennifer shares cautionary tales and expert tips, shedding light on issues like unrestricted inheritances, Medicaid implications, and the tax considerations that catch many off guard.

This episode is a must-listen for anyone looking to take control of their financial legacy with confidence and clarity.

Listen and Learn:

• Why Estate Planning Matters at Any Life Stage: The crucial role it plays in protecting your loved ones.
• Navigating Common Pitfalls: Avoid mistakes with expert tips on wills, probate, and inheritance planning.
• Lessons from Celebrities: What high-profile cases teach us about the need for regular updates.
• The Power of Professional Guidance: How to craft a plan tailored to your needs and avoid a one-size-fits-all approach.
• Communication is Key: Ensuring your wishes are clear and effectively executed.

https://www.indianaestateelderlaw.com/

Follow Jenny on LinkedIn
Follow Jenny on X
Follow Jenny on Facebook
Follow Jenny on Instagram

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:...

View Details

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:...

View Details

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:...

View Details

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:...

View Details

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:...

View Details

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:...

View Details

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 LinkedIn
Learn 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:...

View Details

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:...

View Details

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

Blog

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:...

View Details

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:...

View Details

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:...

View Details

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.

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:...

View Details

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

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:...

View Details

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 Directo

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:...

View Details

Ever felt like you're drowning in the quest to have it all?

Join Melissa Joy, CFP®, on this episode of the Women's Money Wisdom Podcast, where she sits down with Michelle Gauthier, a professional life coach and host of Overwhelmed Working Woman. Michelle shares her transformative journey from a high-pressure finance career to a more intentional and balanced life. Together, they explore the societal pressures that often tie self-worth to external achievements and reveal how shifting priorities can lead to a more fulfilling existence.

Michelle also delves into the art of setting boundaries, highlighting the power of saying no and breaking free from scarcity mentality. You’ll gain practical insights on making deliberate choices, aligning commitments with your lifestyle, and overcoming the fear of regret when making decisions.

Finally, Melissa and Michelle discuss the intersection of financial planning and life balance, showing how seeking professional guidance can simplify life's complexities. Melissa shares her personal experience of planning a life-changing trip to Europe with her teenagers, thanks to strategic financial planning and mindset shifts.

Listen and Learn:

• How setting boundaries can create space for a more fulfilling life
• The impact of scarcity mentality and how to overcome it
• Practical strategies for aligning your commitments with your desired lifestyle
• How financial planning can contribute to both personal and professional fulfillment

Resources:

• Learn more about Michelle on her website here
• Connect with Michelle on Facebook
• Connect with Michelle 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.

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.

View Details

Curious about how corporate responsibility and ethical investing can help shape a better future? Join Melissa Joy, CFP®, as she sits down with William F. Schulz, former Executive Director of Amnesty International USA, to uncover how ESG (Environmental, Social, and Governance) investing has the potential to impact both business and society.

In this episode, Bill shares insights from his memoir Reversing the Rivers and discusses the pivotal moments in history that have fueled the rise of ESG investing—from the fight against apartheid to addressing the challenges of labor trafficking. Together, they explore why ethical practices in supply chains are not only morally right but also beneficial for long-term business success.

Melissa and Bill also dive into the performance and misconceptions surrounding ESG investing, comparing the returns of Vanguard’s ESG Investment Index (ESGV) with the Vanguard 500 Index. They break down the ethical considerations in industries like for-profit prisons and worker safety, and take a closer look at the growing prominence of responsible investing in Western Europe.

Listen and Learn:

• How corporate responsibility has evolved and influenced the rise of ESG investing
• Why ethical supply chains are both a moral and financial necessity for businesses
• The performance of ESG funds versus traditional index funds
• Misconceptions about ESG investing, including its impact on industries like for-profit prisons
• How responsible investing is gaining traction in Western Europe and beyond

This episode is packed with actionable insights to help you align your investments with your values, navigate ethical considerations in finance, and make informed financial decisions that support both your goals and the greater good.

Resources:

• Learn more about William here
• Order William's book "Reversing the Rivers" here
• Review William’s Books here

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.

View Details

Ever wondered how to secure a bright educational future for your children without compromising your own financial well-being?

Join Melissa Joy, CFP®, CDFA®, and her insightful colleagues Lucy Valandra, CFP®, and Alexa Kane, CFP®, CDFA®, AIF®, as they share personal stories and helpful tips to make the college savings process smoother.

Lucy starts off with her heartwarming journey as a new mother to twin boys and the proactive steps she's taking toward their education savings. Meanwhile, Alexa, balancing life with two boys and a baby girl on the way, breaks down the many benefits of 529 plans—from tax advantages to their flexibility. Together, they discuss how dedicated college savings can provide both financial security and peace of mind.

We'll also explore the broad possibilities of educational funds beyond traditional four-year colleges, touching on trade schools, community colleges, and even off-campus housing.

Alexa dives deep into the critical balance between saving for college and securing your own retirement, emphasizing the importance of early and adaptable savings strategies. You’ll learn about lesser-known benefits of 529 plans, such as paying off siblings' student loans and redirecting leftover funds wisely.

This episode is packed with practical advice and personal anecdotes to empower you with the knowledge to make informed decisions about your children’s educational futures and your financial health.

Listen and Learn:

• 529 plans offer tax advantages and flexibility for saving for college
• It is possible to repatriate funds from 529 accounts for other purposes, such as retirement savings or paying off student loans
• How to find a balance between saving for college and retirement is important

Resources:

• Connect with Alexa on LinkedIn
• Connect with Lucy on LinkedIn
• Listen to the College Savings Webinar here

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

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.

View Details

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 situat

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.

View Details

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.

View Details

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.

View Details

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.

View Details

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.

View Details

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 charges

Resources:

• Learn more about Joanne on her Website
• Connect with Joanne on LinkedIn
• Follow Joanne on YouTube
• Listen to Joanne’s Podcast
• Additional 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.

View Details

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 essential
• Why 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.

View Details

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 kids
• When 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.

View Details

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 health
• How to navigate challenges and misconceptions around seeking financial advice and therapy
• The significance of educating yourself about reputable financial professionals and finding the right fit for your financial and mental health needs

Resources:

• Visit Mind Money Balance
• Purchase Lindsay’s book: The Financial Anxiety Solution
• Follow Lindsay’s Podcast
• Follow Lindsay on YouTube
• Past Podcast Episode: Getting Over Fears of Talking about Money
• Overcoming Financial Anxiety video with Lindsay
• Navigating Money Issues with a Partner
• Financial Therapy with Nate Astle

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.

View Details

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 Learn

1. 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.

View Details

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 spending
• Ways to balance personal growth and financial growth
• How to manage finances during big life changes

Resources:

• Listen to ‘is that cashmere?’
• Follow Becca Hoeft
• Follow Anna Kincannon

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.

View Details

Looking to build your dream home? In this episode, Melissa Kennedy, President of Meadowlark Design+Build, and Design Director, Jen Hinesman discuss the process of building a custom home designed specifically for you. Using their 20 years of experience, Melissa and Jen explain all the important steps like planning, budgeting, choosing a location, and making sustainable choices.

Listen and Learn:

• The importance of financial planning and budgeting for your dream home
• How to select the right property site
• Strategies for making sustainable, eco-friendly choices in home construction
• How to deal with challenges like weather delays and labor shortages

Resources:

• Check out Meadowlark Design+Build Services
• Visit the Meadowlark Custom Home Design Gallery
• Follow Meadowlark on Instagram
• Follow Meadowlark on Facebook
• Listen to Episode 174: Exploring Investment Assumptions: Real Estate vs. Stock & Bond Investing
• 6 Steps of the Custom Home Building Process

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.

View Details

Planning a vacation can be overwhelming. But working with a travel expert can make it much easier to create amazing trips tailored for you. Vinal Desai Burbeck, Travel Consultant and Founder of Wanderlark, dives into the changing world of travel planning and how travel advisors create personalized experiences to fit your interests and budget.

This episode also explores money strategies for affordable vacations - like tips on finding good deals and underrated, more cost-effective destinations.

Listen and Learn:

• Cost-saving advice for planning affordable vacations
• Tips on navigating travel after COVID-19
• Budget-friendly travel strategies for all seasons
• The benefits of getting professional guidance for meaningful trips

Resources:

• Check out Wanderlark
• Follow Wanderlark on Facebook
• Follow Wanderlark on Instagram
• Follow Wanderlark 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.

View Details

Struggling to balance work and childcare responsibilities? Heather Boneparth, Director of Business and Legal Affairs at Bone Fide Wealth, sheds light on the challenges parents face in today’s world. Learn helpful tips on dealing with changes in taking care of children, finding new ways to contribute besides earning money, and juggling family duties well.

Listen and Learn:

• Tips for juggling work and childcare
• Strategies to deal with changing childcare needs over time
• Ideas for balancing career goals with family life

Resources:

• Visit Bone Fide Wealth
• Purchase Heather’s book: The Millenial Money Fix
• Follow Heather on LinkedIn
• Follow Heather on Instagram
• Follow Heather on Twitter
• This is How Much Child Care Costs in 2024
• The Joint Account
• The Invisible Costs of Child Care
• The Teamup Family Calendar

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.

View Details

Stressed about student loans? We’ve got you covered. In this episode, David Gourley, CSLP® explains loan forgiveness programs and special payment plans based on your income in simple terms. Whether the loans are yours or your child's, you'll learn who qualifies, important deadlines, and easy tips to manage the debt better. Don’t miss out on key insights to tackle student debt.

Listen and Learn:

• Secrets for understanding confusing student loan programs
• Important dates and changes you need to know about
• Easy ways to combine loans and plan payments better
• What's next? New loan forgiveness plans that could help

Resources:

• Check out David’s Linktree
• Follow David on LinkedIn
• Follow David on Twitter
• Read: Studentaid.gov Announcement on IDR Waiver
• Listen: Episode 131: Student Loan Forgiveness with Alexa Kane
• Listen: How Aspiring Physicians Can Manage Student Loans: https://pearlplan.com/2022/02/15/episode-103-how-aspiring-physicians-can-manage-student-loans/
• Listen: Episode 103: How Aspiring Physicians Can Manage Student Loans
• Read: Navigating the Double Consolidation Process for Parent PLUS Loans
• Read: Changes to Student Loan Planning with the New SAVE (IDR) Plan

View Details

Want to make college more affordable? Listen to this episode with Ann Garcia, CFP® as she explores scholarship funding for college. Discover different scholarship types, application strategies, and the importance of early planning to minimize debt. Make sure you catch these tips to help set up your child's financial future.

Listen and Learn:

• Explore three main scholarship types to help reduce college costs
• Helpful tips to research colleges and find scholarship opportunities
• How to look for local scholarships to reduce the rising costs of college
• Get ahead of rising tuition fees by using 529 plans

Resources:

• Purchase Ann’s book
• Check out Ann’s website recommendations: College Data and College Navigator.
• Check out the FAFSA resource page
• Check out’s Ann’s FAFSA resource page
• Read: ‘Running Out of Road’ for FAFSA Completion
• Visit the CSS Profile
• Discover scholarship directories here and here
• Ann Garcia has been featured on three past Women’s Money Wisdom episodes
  • Episode 170: The Case for 529 Plans for College Savings with Ann Garcia
  • Episode 132: Paying for College with Ann Garcia
  • Episode 86: Demystifying the FAFSA Form with Ann Garcia.

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.

View Details

Social Security has been a staple of retirement planning for past generations. But will it be there for you when you decide to stop working? The cost of a comfortable retirement is rising so understanding how Social Security works is more important now than ever. Join Melissa Joy, CFP®, to learn how Social Security works and how it could impact your retirement.

Listen and Learn:

• How Social Security works & how it supports retirement costs
• Major misconceptions about Social Security
• Current predictions about Social Security & how long it may last
• Simple tips to follow to make sure you're ready for retirement

Resources:

• Register: How to Retire Comfortably In Your 50’s: Everything You Need to Know
• Listen: How to Prepare for an Early RetirementTrustees Report 2024
• Check Out: Your Social Security Account
• Read: Soon To Be Retirees Fail Social Security Literacy
• Read: When Will Social Security Run Out of Money? Latest Prediction Offers Good News
• Read: Social Security Now Expected To Run Short On Funds In 2035, One Year Later Than Previously Projected, Treasury Says

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.

View Details

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 elders
• Warning signs that may indicate an elder has already fallen victim to fraud
• What to do if you think a loved one's money was taken by scammers
• Resources and organizations dedicated to preventing elder financial abuse

Resources:

• Check out Cathy’s Firm
• Follow Cathy on LinkedIn
• Follow Cathy on Instagram
• Read Cathy’s Op-Ed in CNBC
• Listen to Episode 59: Inheritance Mistakes with Cathy Curtis
• Monitor fraud with Eversafe
• How to report Cyber Crime
• Where to report Fraud
• Check out Cyber Seniors

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.

View Details

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 retirement
• Strategies for accessing retirement funds early
• Ways to grow your savings and income for an early exit
• How to prepare for a fulfilling life without work

Resources:

• 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.

View Details

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 education
• Tips for making money lessons engaging for kids
• Recommended books and programs for building money skills

Resources:

• Follow Melissa Gordon on Twitter and LinkedIn
• Teen Teach In Video for AAPS
• Next Gen Personal Finance
• The Psychology of Money by Morgan Housel
• Mind Your Money by Yanely Espinal
• Episode 127: First Generation Wealth with Valerie Rivera
• Broke 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.

View Details

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 mission
• How to remain resilient despite injustice in the world
• The importance behind conscious consumption and where you spend your money

Resources:

• Purchase Dr. William Schulz’s Memoir: Reversing the Rivers: A Memoir of History, Hope, and Human Rights
• Discover More Books by Dr. William Schulz
• Learn more about Amnesty International USA
• Human Rights | United Nations

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.

View Details

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 after
• When to consider reviewing and adjusting your tax withholdings

Resources:

1. How to Extend Your Federal Taxes
2. State of Michigan Tax Extension
3. Tax Aware Investment Strategies Webinar
4. Tax Withholding Calculator (IRS)
5. Tax Withholding – How to Get it Right
6. 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.

View Details

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 them
• How to use communication to navigate differences in spending habits
• The significance of listening, empathy, and vulnerability in client-advisor relationships

Resources:

1. Visit Beyond the Plan
2. Follow Ashley on LinkedIn
3. Follow Ashley on Twitter
4. Listen: Episode 48: Financial Therapy with Nate Astle
5. Listen: Episode 212: Even Out The Power Scales of Marriage and Money

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.

View Details

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 impactful
• The benefits of giving during your lifetime vs. leaving a philanthropic legacy
• Tips for maximizing tax advantages when making charitable contributions

Resources:

• Visit Aly Sterling Philanthropy Website
• Learn more about Aly Sterling
• Follow Aly Sterling on LinkedIn
• Purchase Aly Sterling’s Book: 37: The Year I Stopped Making Excuses, Embraced My Power, and Launched My Million-Dollar Business
• Read: $1 Billion Dollar Donation Will Provide Free Tuition at a Bronx Medical School
• Watch: NYC Medical School Eliminates Tuition After $1 Billion Gift
• Read: Why A $1 Billion Gift to Medical School Moved So Many People
• Read: 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.

View Details

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:

1. Simple steps for couples looking to combine their finances
2. How to have transparent communication and shared financial planning
3. Strategies for managing finances together in a relationship

Resources:

• Read: In a Growing Share of U.S. Marriages, Husbands and Wives Earn About the Same
• Read: When Couples Fight About Money, What Do They Fight About?
• Read: Married Couples Who Merge Finances May Be Happier, Stay Together Longer
• Listen: Episode 133: Money Secrets in Your Net Worth with Rachael Camp

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.

View Details

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:

1. When it's time to get serious about retirement planning
2. The key steps to take to understand your retirement outlook
3. How to improve your trajectory no matter which group you fall into

Resources:

1. Watch our 2023 Retirement Readiness Webinar
2. Discover how the average American feels about retirement readiness
3. Learn more about the XYPN Network
4. Find out how to get started with Pearl Planning’s retirement planning and analysis services

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.

View Details

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:

1. How mastering mindset and emotions can transform your financial well-being
2. The importance of understanding and honoring your own money personality
3. How to normalize conversations about money with your partner and kids

Resources:

1. Learn more about Dr. Sue McCreadie, MD
2. Take the SoulFULL Medicine Quiz
3. Learn more about Pearl Planning

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.

View Details

Join Melissa Joy as she discusses the nitty-gritty of handling extra cash and creating emergency funds. Melissa shares practical tips and personalized advice to help you navigate your financial journey - from stressing the importance of yearly check-ins to offering tailored recommendations to specific situations. Don’t miss out on this enriching episode that offers practical wisdom for effectively managing and investing cash reserves.

Listen and Learn:

1. Understand strategies to maintain and adjust your emergency reserve range
2. Discover a collaborative approach to financial planning so you and your partner are equipped to face the future with financial strength and resilience
3. How to seek professional assistance for ongoing evaluation and personalization in investment management

Resources:

1. Check out our recent webinar Under The Radar: Overlooked Tips & Tricks For Your Investment Portfolio
2. Read: How Much Should I Have in Savings?
3. Discover: The Best Savings Accounts for 2024
4. Listen: Women’s Money Wisdom Episode ‘Paying Down Debt’
5. Listen: Women’s Money Wisdom Episode ‘All About Emergency Reserves’

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.

View Details

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:

1. Proactive ways to prepare your kids to support themselves
2. What to do when you're ready to reduce your financial support
3. How to manage if you are overcommitted & need to cut the financial cord now

Resources:

1. Read: These Families Are Shutting Down the Bank of Mom and Dad
2. Read: Nearly One-Third of American Adults Rely on Their Parents for Financial Support
3. Read: The 3 Money Conversations to Have With Your Kids
4. Listen: Women’s Money Wisdom Ep 161: Teaching Teens the Value of Money

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.

View Details

Melissa Fradenburg explores the complicated nature of receiving an inheritance, especially as a woman. You'll get practical guidance on managing inherited assets, honoring the wishes of passed loved ones, and making informed decisions during this sensitive time.

Listen and Learn:

• How to make what you inherit last & honor a loved one
• An easy way to prioritize the overwhelming list of to-dos
• Tax consequences to be aware of with a transfer of accounts
• Overlooked expenses that can surprise you with inherited property

Resources:

• Listen: Episode 59: Inheritance Mistakes with Cathy Curtis
• Listen: Episode 138: How to Deal with Grief and Financial Decisions with Kathi Balasek
• Read: Emotionally Charged Money: Inheritance
• Review: Can I Delay Distributions From The Traditional IRA I Inherited?

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.

View Details

In this episode of Women’s Money Wisdom, Melissa Fradenburg explores the intricate dynamics of managing finances within relationships. With a focus on the importance of financial transparency and communication, Fradenburg draws from her own experiences to shed light on the complexities couples face when merging their financial lives.

Tune in to gain valuable insights on managing finances within relationships, fostering open communication, and planning for a secure financial future together.

Listen and learn:

1. The importance of learning to manage joint accounts
2. How to navigate pre-marriage finances
3. Steps to plan for the future
4. How Pearl Planning can provide you with expert guidance

Resources mentioned in this episode:

1. Reach out for an introductory call with Pearl Planning
2. Important Numbers for 2024
3. Episode 155: Love And Money: Financial Planning Considerations For Couples
4. Episode 200: Setting Financial Resolutions and Goals for 2024

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.

View Details

Join Melissa Joy as she simplifies the often-overwhelming world of filing your taxes. In this episode, Melissa dives into strategies for managing taxes effectively while providing tools to enter tax season with confidence and organization.

Listen and learn:

• How to get organized and reduce your tax season stress
• Key points to start collecting important documents
• Why paying "zero" in taxes may not be the win you think it is

Resources mentioned in this episode:

• What Documents Do I Need to Collect for Filing My 2023 Tax Return
• Important Financial Numbers for 2023
• Important Financial Numbers for 2024
• Five Financial Tips to Implement After Filing Your Taxes

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.

View Details

Ever feel like your financial confidence takes a hit every election year? You're not alone, and that's exactly why we've dedicated this episode to discussing the current economic enviroment as well as looking at historical election year markets. We all know that political cycles can bring uncertainty, but today, we present compelling reasons backed by statistics for why you should stay invested for the long term, no matter which political party is in office. We share historical data on how markets have performed under both political parties and discuss what long-term investors should focus on when short term headlines have them rethinking their long term investing goals.

Resources mentioned in this episode:

• Learn more about Pearl Planning.
• View Important Numbers for 2024
• What Issues Should I Consider At The Start Of The Year 2024
• Watch our Webinar Replay Winter 2024 Economic Update and Investment Outlook.

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.

View Details

Are you guilty of comparing your financial decisions to others? In this episode of Women's Money Wisdom, Melissa Fradenburg, delves into the pitfalls of financial comparison. It all started with the outrageous ticket prices for a Detroit Lions home playoff game, reminiscent of those Taylor Swift tickets at Ford Field. Melissa shares her personal insights and explores how comparing finances with others can be unproductive. Discover the importance of financial planning, building emergency funds, and setting clear financial goals. Learn how having a tailored financial plan allows you to splurge on what truly matters to you without falling into the comparison trap.

Join us for a candid conversation about why comparing yourself to others can steal your financial joy and how you can take control of your financial future. Don't let comparison rob you of your financial contentment; empower yourself with the wisdom of financial planning.

Resources mentioned in this episode:

• Listen to Episode 192: Resisting the Spending to Impress Trap: Financial Planning Tips Inspired by Travis and Taylor
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• View Important Numbers for 2024
• What Issues Should I Consider At The Start Of The Year 2024
• Register for our Winter 2024 Economic Update and Investment Outlook.

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.

View Details

Have you updated your resume recently? If you're thinking of making a career change or change employers this episode is a must listen. Linda Olejniczak, owner of Phases Career Services brings over 25 years of experience in human resources, coupled with a deep understanding of marketing. Linda is committed to helping women stand out by crafting resumes that not only highlight their unique skills and achievements, but also align with their career aspirations. Linda emphasizes the importance of staying current with job search strategies, developing a professional brand and networking effectively. Embrace a transformative professional journey with Linda's advice on creating standout resumes, nurturing a strong professional brand, and leveraging change for growth. Her expertise doesn't stop there; dive into the essential tactics of updating your resume for our digital age, including the strategic use of LinkedIn and AI-enhanced job applications. We discuss the shift towards remote work that could revolutionize work-life balance, and specific tips to latch onto those sought-after flexible roles. Linda's insights into subtle job hunting are game-changing, especially in a world where your professional online presence is under constant scrutiny.

Resources:

• Connect with Linda or email phases.careers@gmail.com
• Tips for Work From Home Jobs.
• Resume Do's and Don'ts.
• Remote Work board and www.flexjobs.com
• Follow Brenda Meller for LinkedIn ideas.
• View Important Numbers for 2024
• What Issues Should I Consider At The Start Of The Year 2024
• Register for our Winter 2024 Economic Update and Investment Outlook.

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.

View Details

In this episode, we explore whether those pricey skincare products and dermatological treatments are worth the investment. Did you know that on average, women spend over $250,000 on beauty products in their lifetime, with a shocking 90% of these products going unused?

Our host, Melissa Fradenburg, is joined by Dr. Meredith Price, MD, FAAD, a board-certified dermatologist from Grosse Pointe Dermatology. Dr. Meredith Price earned her bachelor's degree in Cell and Molecular Biology from the University of Michigan, Ann Arbor, in 2005, and completed her medical training at Wayne State University School of Medicine in 2009. In this episode, we delve into the world of skincare and dermatological treatments, offering practical tips to help you make informed decisions about your skincare routine and expenses. They also discuss the importance of prioritizing sunscreen to shield your skin from harmful UV rays.

Join us for this informative and engaging conversation with Dr. Meredith Price as we empower you to make smart choices regarding your skincare and beauty expenditures. Achieve healthy, radiant skin without breaking the bank!

Resources:

• Learn more about Dr. Meredith Price, MD FAAD and Grosse Pointe Dermatology.
• Follow @gpdermdoc on Instagram, TikTok and Facebook.
• Shop Dr. Meredith Price's Favorite Skincare.
• View Important Numbers for 2024
• What Issues Should I Consider At The Start Of The Year 2024
• Register for our Winter 2024 Economic Update and Investment Outlook.

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.

View Details

In this episode, Co hosts Melissa Joy and Melissa Fradenburg kick off the new year with a lively discussion on how to set and achieve your financial resolutions for 2024. They emphasize the importance of taking a strategic approach to your financial planning and share practical tips to help you get organized and stay on track throughout the year. The Melissa's share actionable steps you can take to start the year on the right financial footing, including budgeting, automating savings, and optimizing interest rates on your savings accounts. They also remind listeners to consider their tax planning needs and the importance of early communication with tax professionals. Lastly, they share their own New Year's resolutions, from simplifying financial accounts to spending less time on screens, and invite listeners to help them stay accountable. Tune in to this episode to gain valuable insights and practical strategies for making 2024 a financially successful and fulfilling year.

Resources:

• Learn more about Melissa Joy, CFP ®and Pearl Planning.
• Listen to Episode 197: Understanding and Overcoming the Emotional Triggers of Overspending with Paige Pritchard
• View Important Numbers for 2024
• What Issues Should I Consider At The Start Of The Year 2024
• Register for our Winter 2024 Economic Update and Investment Outlook.

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.

View Details

Have you considered starting a side hustle thrifting and reselling items? In this episode special guest and life long thrifter, Ruth Fradenburg, we discuss the nitty-gritty of making sales on sites like Poshmark, Ebay and Facebook marketplace. Ruth shares tips on what to look for as well as how to post and price items for resale. Her tales of trials and triumphs in the online marketplace are not just entertaining but are laced with practical tips, like the power of a good photograph and the art of honest product descriptions. Ruth's sparkling insights are not to be missed, so listen to this episode to follow her thrifting escapades and for a dose of inspiration. Subscribe to our podcast for more empowering financial wisdom that speaks directly to you.

Resources:

• Follow Ruth on Facebook or Instagram
• Read blog posts and shop vintage shop on www.tableglamour.com
• Learn more about Pearl Planning.
• Register for our2024 Winter Economic Update and Investment Outlook.

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.

View Details

In this festive episode, host Melissa Joy, CFP®️, dives into the world of holiday giving with a twist. The focus is on gifts that aren't just thoughtful but also contribute to financial wellness. Melissa Joy opens the discussion by sharing her excitement for the holiday season and the importance of meaningful gift-giving. She emphasizes how charitable gifts can teach younger generations about compassion and empathy. Need something in the next week? How about financial gifts like gifting stocks, subscriptions to budgeting apps or services from financial planners or coaches? This episode is a must listen for a unique take on holiday gift-giving, emphasizing gifts that contribute to financial literacy and wellness, thereby leaving a lasting impact.

Resources:

• Listen to Episode 195: Maximizing the Impact of Charitable Giving with Melissa Joy.
• Read How to give the gift of a Roth IRA.
• Michigan 529 plans have a whole page on how to gift to a 529.
• Save Spend Donate Invest piggy bank.
• Trust and Will digital estate planning solution with 10% discount.
• Help a family member create a book with stories from their life with Storyworth.
• Read Pearl Planning blog, 10 Ideas for Giving.
• Here are Tips and Contribution Limits for Charitable Giving.
• Register for our Winter 2024 Economic Update and Investment Outlook.

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 no

Data Sources: Capital Group, RIMES, Standard & Poor's.

View Details

In this episode, hosted by Melissa Fradenburg, we explore Paige Pritchard's remarkable transformation from an impulsive shopper to a financially savvy individual. By age 29, Paige had achieved notable financial milestones: she paid off $40,000 in student loan debt, cash-flowed her MBA, became a homeowner, and built a substantial six-figure investment portfolio. As a certified life coach, she has empowered thousands of women to improve their spending habits through various platforms, including her social channels, The Money Love Podcast, and her group coaching membership, Overcoming Overspending.

Paige divulges her three-phase approach to money management, underscoring the pivotal role of mindset and emotions in financial decision-making. She provides an in-depth look at the emotional triggers that often lead to overspending, alongside proposing healthier coping strategies. A significant focus is placed on the impact of social media on spending habits. Paige offers valuable insights on how social media can instigate detrimental spending mindsets and provides strategies to counteract these influences.

The episode also delves into the concept of "spending self-concept," where Paige discusses how our mental and emotional states can drastically affect our spending choices. This discussion goes beyond mere financial advice; it's a journey of self-discovery, enriched with personal stories and practical tips designed to transform your relationship with money. Join us in this empowering episode as we learn to overcome the lure of overspending and embark on a path to financial health and freedom.

Resources:

• Connect with Paige on Instagram: @overcoming_overspending or TikTok:@overcoming_overspending
• Follow Paige on herYouTube Channel
• Listen toThe Money Love Podcast
• Join her Free Masterclass: Why You Impulse Shop & How To Stop
• Work with Paige: Overcoming Overspending Membership
• Learn more about Pearl Planning.
• Register for our2024 Winter Economic Update and Investment Outlook.

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.

View Details

Do you feel like you're hemorrhaging money every holiday season? I've been there, and want to share some things that help to navigate holiday spending without breaking your budget. Join Co-host Melissa Fradenburg as she unpacks five effective strategies drawn from her own experiences and missteps. Melissa breaks down how to set clear gift-giving expectations, stick to a fixed budget, and make the most from seasonal sales. Learn how to leverage apps or spreadsheets to track your gift ideas and purchases, saving you from last-minute shopping stress and unexpected costs. And if you're tired of the materialism, we've got you covered with fresh ideas on gifting experiences rather than things. Let's redefine the holiday season together - less financial stress, more joy, and lasting memories. Don't miss this episode!
Resources:

• Download Apps, Christmas Gift List, or Gift List, mentioned in this podcast.
• Read, 5 Smart Holiday Spending Tips, by Melissa Fradenburg.
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Learn more about Pearl Planning.
• Register for our2024 Winter Economic Update and Investment Outlook.

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.

View Details

Ever thought about the power of your generosity? We celebrate Giving Tuesday with a deep dive into making your charitable contributions more impactful. Co-Host Melissa Joy, CFP®️ discusses building a solid donation strategy, pinpointing the organizations that tug at your heartstrings, and involving your family in this profound process. She also shares how you can leverage the tax benefits of philanthropy and how generosity triggers the release of feel-good chemicals that can add years to your life. Lastly, she shares the precious opportunity charitably giving provides to instill the values of generosity and philanthropy in our young ones. So, join us in this episode and let's explore the remarkable world of giving together. Step in and let's discover the joy and impact of purposeful giving this Giving Tuesday!

Resources:

• Visit the virtual headquarters for Giving Tuesday 2023.
• Read Pearl Planning blog, 10 Ideas for Giving.
• Read about the Health Benefits of Giving.
• Here are Tips and Contribution Limits for Charitable Giving.
• Read about How Generosity Helps Kids Live Richer Fuller Lives.
• Watch a webinar replay, Money Smart Charitable Giving.
• Listen to podcast episode 33 Charitable Giving with Laura Brownfield for more information on Donor Advised Funds.

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.

View Details

Ready to step up your fashion game this holiday season? Our recent discussion with personal stylist and wardrobe consultant, Kelley Muzingo might just be the inspiration you need. Kelley's passion for fashion is contagious, as she shares her journey into the industry and how she helps clients feel their best. In this episode, we give you the lowdown on this season's must-haves from sequins and metallics to classic pieces that never go out of style. We also delve into the realm of budgeting and shopping for holiday outfits, providing tips on how to look fabulous without breaking the bank. Kelly shares her favorite stores and we discuss the concept of how to integrate trends with timeless classics. We discuss the art of confidence and dressing to feel empowered, so tune in and join us for this lively exploration into the world of fashion. Thanks for tuning in and here's to a stylish holiday season!

Resources:

• Find out more about Adorned By Kelley.
• Connect with Kelley Muzingoandfollow her on Instagram.
• Listen to Episode 193: Year-End Financial Planning with Alexa Kane
• Learn more about Pearl Planning.
• Connect with Melissa FradenburgandFollow her 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.

Data Sources: Capital Group, RIMES, Standard & Poor's.

View Details

Are you ready to wrap up your financial year and set yourself up for success in the next? In this episode of the Women's Money Wisdom Podcast, with Co-Host Melissa Joy, CFP® and guest Alexa Kane, CFP ® we discuss what you can do in the last few weeks of the year to get your finances in order. We all know how chaotic this time of year can become with the holiday season approaching. Alexa shares valuable insight on things we should review in retirement planning, employee benefits, and taxation before we ring in the new year. This episode is brimming with practical wisdom to help you make smart financial decisions to round out this year and welcome the next. Don't miss out on this chance to elevate your financial planning game!

Resources:

• Find out more about Alexa Kane, CFP®, CDFA®, AIF®
• Read Pearl Planning blog, 7 Year-End Financial Planning Moves.
• Watch our 2023 Year-End Planning Webinar REPLAY
• Listen to Episode 188: Understanding Health Savings Accounts with Melissa Joy

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.

View Details

Ever find yourself caught in the spending to impress trap, also known as 'Keeping up with the Joneses'? Listen in as we draw examples from celebrities like Taylor Swift and Travis Kelce to discuss this age-old phenomenon. We delve into the allure of maintaining a lifestyle akin to those around us, even when it's not financially prudent. From the luxury of rented restaurants to the appeal of matching home décor, we evaluate how these spending habits often mirror our social circles and the influence of social media on our financial decisions. We assure you, a high net worth doesn't always reflect financial health or stability. The lavish lifestyles of celebrities are not the benchmarks for your financial success. Instead, let's focus on individual financial goals and priorities. We dive into the importance of understanding what truly brings joy to your life and how it plays a role in your financial planning journey. Tune in as we discuss the importance of resisting the spending trap, focusing on your financial goals, and understanding that the path to financial stability is unique to everyone.

Resources:

• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Listen to Episode 107: Lifestyle Creep with Melissa Fradenburg
• Learn more about Pearl Planning.
• Register for our Year-End Planning Webinar.

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.

View Details

This Halloween special episode uncovers scary financial blunders people commit, especially in relation to retirement planning and emergency savings. Melissa Fradenburg will walk you through the chilling implications of being too conservative with long-term investments and the terror of having your cash sit idle. We underline the importance of securing your own financial future before extending help to others. This episode is brimming with real-life scenarios and practical advice to keep you safe from these frightening financial pitfalls. So muster your courage, tune in, and let's bravely confront these unnerving money behaviors together!

Resources:

• Listen to Episode 162: More Than Money with Melissa Joy, CFP®
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Learn more about Pearl Planning.
• Register for our Year-End Planning Webinar.

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.

View Details

Do you ever stop to marvel at the incredible intricacies of the human body and the wisdom it possesses? This episode of Women's Money Wisdom Podcast welcomes Cass Ghiorse, a brilliant mind at the confluence of science and spirituality, who teaches us to do just that. Cass unravels the often confusing web of the wellness industry, highlighting how simple, low-cost methods like breathwork can foster a profound connection with our bodies and minds. An in-depth exploration into the dynamics of our respiratory system and stress regulation unveils how something as basic as breathing can significantly influence our state of awareness. Even more captivating is the power of energies - both yours and of those around you. Tune in to this fascinating episode of Women's Money Wisdom Podcast as we uncover the power and wisdom inherent within our bodies, and remember to follow us for more enlightening conversations like this one.

Resources:

· Learn more about Cass Ghiorse

· Follow Cass Ghiorse on Instagram

· Listen to Episode 189: Finding Personal Success and Wellness: A Conversation with Melissa Coulier

· Learn more about Pearl Planning.

· Register for our Year-End Planning Webinar.

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.

View Details

Join Co-Host Melissa Fradenburg, CDFA®️, AIF® for an enlightening conversation with Melissa Coulier, author, entrepreneur, and co-founder of Living Well with Mel. We dive into her journey navigating through her partner's fame, and how she defined her own success while building a thriving career. Melissa bares her soul, discussing her struggles and triumphs, from her successful career in commercial and editorial photography to her experiences in a relationship where her partner was already well established. It's a raw and refreshing discussion about the power dynamics and complex challenges faced by ambitious women. We take a deeper look into Melissa's personal journey with lupus and how that pushed her into the world of wellness and movement. Her approach is all about listening to your body and making nutrition choices that fuel and nourish your body, rather than depriving it. The conversation carries a personal touch and invaluable wisdom about entrepreneurship, holistic wellness, and the importance of balance in all aspects of life.

Resources:

· Learn more about Living Well with Mel and Mel.

· Follow Melissa Coulier on Instagram

· Learn More about Moving Well with Mel.

· Learn more about Pearl Planning.

· Register for our Year-End Planning Webinar.

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.

View Details

Ever wondered why a Health Savings Account (HSA) is often described as the holy grail in personal finance? Co-hosts Melissa Joy and Melissa Fradenburg discuss the nuts and bolts of HSAs and high deductible health plans in this episode of Women's Money Wisdom Podcast. We're delving into the potential savings from lower premiums and employer contributions, and the importance of striking a balance between present and future medical costs. We also talk about the unexpected out-of-pocket costs that may catch you off guard if you’re more familiar with traditional health plans.

Resources:

• Learn more about Pearl Planning.
• Connect with Melissa Joy, CFP®
• Read Hacks for Your Health Savings Account.
• Register for our Fall Economic Update and Investment Outlook.
• Register for our Year-End Planning Webinar.

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.

View Details

Have you ever wondered about the cost of the popular injectable weight loss drugs? In this candid episode, Co-Host Melissa Fradenburg, CDFA®️, AIF® is pulling back the curtain on her personal journey, navigating the costs and side effects of weight loss medication. With an overwhelming response on social media to her weight loss story, it's clear that many of us are in the same boat. From exploring the expensive terrains of name-brand medications to finding cost-effective treatment through compounded medications, Melissa's journey has taught her the significance of understanding healthcare costs and the benefits of cost-effective treatments. As we dive into the physical and financial burdens of obesity—a global issue—we aim to provide you insights, resources, and most importantly, hope, if you're grappling with similar issues. In the realm of women's financial wisdom, we know health is wealth.

Resources:

• Learn more about semaglutide.
• What is a Compounding Pharmacy.
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Learn more about Pearl Planning.
• Register for our Year-End Planning Webinar.

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.

View Details

Get ready to be empowered! Our guest on this episode, Nancy McKenna, is here to help single midlife women take control of their financial futures. With over 35 years of experience in corporate accounting and a successful 17-year stint in real estate investing, Nancy is brimming with practical insights to help you navigate your financial picture. In this episode, Co-Host Melissa Fradenburg, CDFA®️, AIF® and Nancy discuss money management for midlife women, the necessity of financial literacy, and the sweet freedom that comes with financial independence. Nancy deftly demonstrates how financial freedom gives you the power to shape your life and extend a helping hand to others. She encourages you to understand your net worth, set clear goals, and view your financial life through the lens of a full balance sheet.
Resources:

• Learn more about Midlife Money Mastery
• Connect with Nancy McKenna on LinkedIn
• Learn more tips on Nancy's YouTube.
• Learn more about Pearl Planning.
• Register for our Year-End Planning Webinar.

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.

View Details

Ready to unravel the reel of real estate investment? Join us as we share a promising discussion with Natalie Bruno, a savvy entrepreneur and enthusiastic real estate investor. Natalie opens up to Melissa Joy, CFP®, CDFA® about her journey into the realm of real estate. We talk about the importance of guest feedback and how Natalie successfully used it to improve her Airbnb. Just as investments require careful calculations and considerations, so does real estate. Natalie takes us through her strategies and plans for building a rich real estate portfolio and discusses the market fluctuations that might affect it. We also shed light on the financial aspects of investing in real estate and provide tips and resources for those who are interested in dipping their toes in this sector.

Resources:

• Learn more about Pearl Planning .
• Connect with Natalie Bruno
• Find short-term rental analytics HERE.
• Listen to Bigger Pockets podcast.
• Register for our Year-End Planning Webinar.

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.

View Details

Welcome to season 4! Co-hosts Melissa Joy and Melissa Fradenburg discuss the significance of ‘girl money’ and ‘girl math’ in shaping budgeting and making financial decisions. The concept of 'girl money' and 'girl math' is currently trending on Tik Tok. Can these ideas really play a role in financial decisions and budgeting? Can they change the way we perceive purchasing and spending? What is the underdiscussed stigma surrounding these concepts? in this episode, we exchange views on differing spending priorities for various people and families, and the crucial role women often play in managing household finances. We highlight the necessity of researching and budgeting for purchases, and fearlessly confront the potential damage caused by stigmatizing ‘girl money’ and ‘girl math’.

Resources:

• Learn more about Pearl Planning .
• Read about TikTok’s viral ‘Girl math’ trend is fun but don’t let it fool you - The Washington Post
• Listen to Episode 182: Turning the Back-to-School Season into a Financial Reset
• Register for our Year-End Planning Webinar.

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.

View Details

Want to get a grip on your finances? Then you'll absolutely love this week's episode of 52 Pearls Weekly Money Wisdom Podcast, where we dive into the art of cleaning up your budget. This week, Melissa Fradenburg shares strategies and personal stories of the everyday struggles of groceries, mobile app purchases, and personal shopping pitfalls. We pull back the curtain on our own experiences to help you trim down those bills and regain control of your money. Whether you're trying to tighten your purse strings, or looking to make some room for new financial goals, you don't want to miss this. So, tune in and let's get started on that budget clean-up.

Resources:

• Learn more about Melissa Fradenburg, AIF® and Pearl Planning .
• Listen to Episode 182: Turning the Back-to-School Season into a Financial Reset
• Listen to Episode 107: Lifestyle Creep with Melissa Fradenburg
• Register for our Year-End Planning Webinar.

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.

View Details

What if the back-to-school season wasn't just a time of frantic shopping and schedule juggling, but also an opportunity for a financial reset? Melissa Fradenburg discusses how this transitional period can be used as a stepping stone towards financial wellness, offering insights on re-evaluating your financial status and achieving your goals. We tackle a range of topics, from checking up on your retirement savings and credit score, to rethinking your spending habits and debt payment strategies. We also dive into the subject of open enrollment, tax withholding, and how to make the most out of your work benefits. So, if the back-to-school season has you worried about your finances, tune in for some practical advice on turning this hectic time into a path towards better financial health.

Resources:

• Learn more about Melissa Fradenburg, AIF® and Pearl Planning .
• Listen to Episode 140: Making the Most of Your Employee Benefits with Melissa Joy
• Listen to Episode 167: Demystifying Credit Scores with Melissa Fradenburg
• Register for our Year-End Planning Webinar.

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.

View Details

Are you ready to gain the upper hand over one of the most common sources of contention in relationships? We're talking about money, of course! In this episode Melissa Fradenburg, CDFA®️, AIF®, will help you defuse the ticking bomb of financial discord. Together, we dissect the three most prevalent money conflicts couples encounter and offer you effective strategies to evade these confrontations. We take you through the classic spender versus saver dispute, unravel the complex issue of financial infidelity, and everything in between. Arm yourself with the power of communication, the convenience of automated savings, and the virtue of financial transparency as we journey towards marital financial harmony.

Resources:

• Learn more about Melissa Fradenburg, AIF® and Pearl Planning .
• Listen to Episode 175: Financial Planning Discussions for Couples
• Listen to Episode 167: Demystifying Credit Scores with Melissa Fradenburg
• Read The 3 Money Conversations to Have With Your Kids
• Watch the replay Summer Economic Update and Investment Outlook

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.

View Details

Are you preparing for college send off but feeling overwhelmed by the looming financial spreadsheet? Relax, we've got you covered. In this episode, Melissa Fradenburg shares personal experiences and insights to help you prepare for this financially demanding life event. Budgeting is crucial for managing expenses during the college years. We provide practical tips for creating a budget that covers living costs and talk about the importance of setting spending expectations with your college bound child.

Resources:

• Learn more about Melissa Fradenburg, AIF® and Pearl Planning .
• Listen to Episode 166: Late-Stage College Planning with Brad Baldridge
• Listen to Episode 170: The Case for 529 Plans for College Savings w Ann Garcia
• Watch the replay Summer Economic Update and Investment Outlook

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.

View Details

Melissa Joy, CFP ® shares financial planning insights from a surprisingly unusual source - the Barbie movie! We unpack this unlikely catalyst for financial wisdom, revealing five significant takeaways. From understanding the ripple effects of consumerism to the crucial conversation around equal pay, we're breaking down barriers and bringing you a fresh perspective on money matters. A special mention for all the Kens out there - listen in for an essential lesson on individuality and planning your finances! Let's redefine the narrative and explore how you can make financial decisions based on your personal dreams, not societal expectations. Women, don't underestimate your economic power.

Resources:

• Learn more about Melissa Joy, CFP. ®and Pearl Planning .
• Read Blog, Why the New Little Women Offers Great Financial Lessons for Your Daughters.
• Listen to Episode 172: Financial Lessons from Taylor Swift Era’s Tour.
• Watch our Summer Economic Update and Investment Outlook Webinar Replay.

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.

View Details

Ever wonder why it feels like you're constantly asked to shell out bigger tips for everything from your Uber ride to your takeout order? You're not alone! On this episode, Melissa Fradenburg is pulling back the curtain on the convoluted world of tipping in the gig economy. We'll explore the norms, the expectations, and the technology that seems to nudge us into tipping more often and more generously.

Resources:

• Learn more about Melissa Fradenburg, AIF® and Pearl Planning .
• Read Emily Post's General Tipping Guide
• Read US NEWS & World Report Holiday Tipping Guide.
• Watch the replay Summer Economic Update and Investment Outlook

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.

View Details

In today’s episode, we discuss the upsides and downsides of long-term care insurance and delve into key considerations when purchasing it. Join your host, Melissa Fradenburg, AIF®as we navigate the intricate world of personal finance, specifically designed for women. Melissa shares her recent experience visiting her grandmother in an assisted living facility as well as a basic overview of how long-term care insurance works as a standalone policy and as a rider on a life insurance policy. In addition to covering considerations when purchasing long-term care insurance, Melissa will share the most cost effective time to purchase coverage.

Resources:

• Learn more about Melissa Fradenburg, AIF® and Pearl Planning .
• LongTermCare.gov - A resource by the U.S Department of Health and Human Services providing an overview of long-term care, cost estimates, and other helpful information.
• Genworth Financial 2020 Cost of Care Survey - Information on the average costs of various types of long-term care.
• American Association for Long-Term Care Insurance (AALTCI) - Resource for researching and comparing long-term care insurance.
• Register for our Summer Economic Update and Investment Outlook Webinar.

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.

View Details

Have you ever wondered what a forensic accountant does in divorce cases? Are you worried about hidden assets or financial infidelity? In this episode, co-host Melissa Fradenburg, CDFA®️, AIF® welcomes Tracy Coenen, a renowned forensic accountant who specializes in helping find money during divorce. Tracy has created a 10-step Divorce Money Guide to help you find hidden assets and take control of the finances during your divorce, and she and Melissa dive into a few of the steps. They also discuss how to spot financial fraud and infidelity, as well as what every spouse, especially stay-at-home partners, should know about their family finances.

As a forensic accountant, Tracy has investigated hundreds of fraud cases in various industries and served as an expert witness in numerous cases involving damage calculations, commercial contract disputes, shareholder disputes, and criminal defense. Tune in for an informative and empowering conversation on how to take control of your financial future and learn from Tracy's wealth of knowledge.

RESOURCES

• You can learn more about Tracy Coenen and find all the resources mentioned in this episode HERE.
• Order Tracy Coenen's book, Find Me the Money: Take Control, Uncover the Truth, and Win the Money You Deserve in Your Divorce
• Follow the Wealthy After Divorce Podcast HERE.
• Listen to Episode 175: Financial Planning Discussions for Couples.
• Learn more about Pearl Planning .
• Register for our Summer Economic Update and Investment Outlook Webinar.

Links are being provided for information purposes only. We do not suggest that listening to this podcast will make you wealthy. Pearl Planning is not affiliated with and does not endorse the opinions or services of Brian Cohen or his affiliates. 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 or legal 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 or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Tracy shares tell-tale signs to look out for when it comes to marital finances.

Whether you're going through a divorce or simply curious about forensic accounting, this is an episode you wouldn't want to miss.

View Details

Have you ever wondered why so many couples struggle to get on the same page with finances? Are you in a relationship where one person is in the dark on the overall financial picture? In this episode, Melissa Joy, CFP ® and Melissa Fradenburg, AIF ® tackle the all-too-common issue of one partner being left out of financial decisions. It’s not just about understanding finances but also about encouraging participation from both partners for balanced decision-making.

Resources:

• Learn more about Melissa Joy, CFP. ®and Pearl Planning .
• Read More Than Money: Real Life Stories of Financial Planning
• Listen to Episode 162: More Than Money with Melissa Joy, CFP®.
• Register for our Summer Economic Update and Investment Outlook Webinar.

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.

View Details

Ever wondered why real estate investments can feel more comfortable and confident than securities investing? Melissa Joy dives deep into biases surrounding real estate and investing in stocks and bonds. She shares her observations from conversations with clients as well as her own experience in real estate vs investment returns of various indices over time. Melissa unpacks the reasons behind these assumptions and sheds light on the broader discussion about investments in general.

Resources:

• Learn more about Melissa Joy, CFP. ®and Pearl Planning .
• Read Take Control of Your Finances in 2023: 10 Actionable Tips for a Secure and Prosperous New Year.
• Listen to Episode 162: More Than Money with Melissa Joy, CFP®.
• Register for our Summer Economic Update and Investment Outlook Webinar.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Do you feel like you've lost a part of yourself since becoming a mom? Our guest, Carmie Buhalis, owner and founder of Yoga Express and life and wellness coach, is here to remind you that it's possible to find balance and reinvent yourself after motherhood. We dive into the challenges of losing our identity and the importance of prioritizing self-care in our daily lives. Carmie shares her insights on how self-reflection and understanding our own needs and emotions can help us remain calm and composed even in the most difficult situations.

Resources:

• Learn more aboutLife + Wellness Coaching with Carmie Buhalis.
• Connect with Carmie Buhalis onInstagram.
• Find out more about Yoga Express.
• Learn more about Pearl Planning.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode, Melissa Fradenburg, CDFA®️, AIF® shares the financial implications of Taylor Swift Era's Tour tickets and how parents can use them as a valuable lesson in financial decision-making. How resisting the urge to overspend can teach our kids valuable lessons about choices and opportunity cost. We explore what it means to set realistic expectations about budgeting, and how to have honest conversations about our financial decisions with our children. Whether you're a Taylor Swift fan or not, this episode offers insights and lessons on financial responsibility that we can all learn from. If you spent too much on tickets and feel regret or if seeing the images of others at the concert is making you green with envy, Melissa will help you turn this experience into a teachable moment for financial responsibility and wise decision-making.

Resources:

• Learn more about Pearl Planning.
• Listen to Episode 170: The Case for 529 Plans for College Savings w Ann Garcia.
• Listen to Episode 166: Late-Stage College Planning with Brad Baldridge.
• Register for our Summer Economic Update and Investment Outlook Webinar.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode Melissa Joy, CFP ® delves deep into the powerful concept of managing your money mindset amidst a constant barrage of negative news. In a world filled with sensational headlines and endless market fluctuations, it's easy to succumb to fear and make impulsive investment decisions. Listen to this episode to learn why controlling the things we can control is essential in achieving financial success.

Resources:

• Learn more about Melissa Joy, CFP. ®and Pearl Planning .
• Read Take Control of Your Finances in 2023: 10 Actionable Tips for a Secure and Prosperous New Year.
• Listen to Episode 162: More Than Money with Melissa Joy, CFP®.
• Register for our Summer Economic Update and Investment Outlook Webinar.

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.

View Details

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss why a 529 plan is a great vehicle for college savings. They cover everything from asset weighting on the FAFSA form, flexibility on what colleges your child can attend, and how they help maximize tax savings. Did you know if your 529 is overfunded because your student got a scholarship, you don’t pay the penalty on withdrawals of the amount that is overfunded due to the scholarship, only taxes on the gain? If you have a child who may attend college some day, this is a must listen episode to help plan financially.

You will learn:

• The benefits of 529 plans and why they are an excellent option for funding higher education.
• Explanation of what 529 plans are and how they differ from other college savings options.
• Tax advantages of 529 plans, including tax-free growth and potential state tax deductions/credits.
• Flexibility of 529 plans, allowing for changes in beneficiaries within the family and use for K-12 tuition.
• Importance of earmarking funds specifically for college to maintain focus on savings goals and eligibility for financial aid.
• How assets are weighted on the FAFSA, with 529 plans being treated as a parental asset with a maximum of 5.64% factored into the EFC.
• Encouragement to start saving for college early to benefit from compounding and time.

Resources:

• Learn more about Ann GarciaandThe College Financial Lady.
• Find out about Pearl Planning.
• Read 529 Plans: How to Get Money Out.
• Listen to Episode 132: Paying For College with Ann Garcia.
• List of documents you will need to fill out the FAFSA, FAFSA Resources by the College Financial Lady.
• Sign up for the College Financial Plan Masterclass courseHERE.
• Read Ann's Book, How to Pay for College.

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.

View Details

Are you looking to better understand the national debt ceiling? In this episode, Melissa Fradenburg, CDFA®️, AIF® helps listeners gain a clearer understanding of the debt ceiling and why it matters. Melissa sheds light on the historical context of raising the national debt ceiling and explains why it's likely that Congress and the Biden administration will reach an agreement on raising the debt limit. It's important to consider how this issue may influence personal financial decisions, such as investments and savings strategies. Remember, being proactive and staying educated is key to navigating the ever-changing financial landscape.

Resources:

• Read What Does History Reveal about Reducing the National Debt Burden?
• Read The Potential Economic Impacts of Various Debt Ceiling Scenarios.
• Learn more about Pearl Planning.
• Register for our Summer Economic Update and Investment Outlook Webinar.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode, Melissa Joy, CFP, ® and Aravind Sithamparapillai, explore the intersection of finance and caregiving professions. Aravind Sithamparapillai is an associate with Ironwood Wealth Management Group in Ontario, Canada. Aravind has a focus on assisting midwives in their unique financial journeys. Midwives often work for many years with intense schedules, and it's crucial to plan for retirement to ensure a comfortable and secure future. We'll discuss retirement planning strategies specifically tailored to midwives, as well as discuss an intriguing analogy between midwifery-assisted birth and the process of financial planning. The parallels between these two domains of understanding the importance of trust, empathy, and communication hold true for both the midwifery and the financial planning profession.

Resources:

• Learn more about Aravind Sithamparapillai.
• Follow Aravind on Twitterand Instagram.
• Learn more about Pearl PlanningandMelissa Joy, CFP®, CDFA®
• Listen toEpisode 64: Motherhood, Money, and Making Space for Selfcare with Erica Galvan.

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.

View Details

Are you looking to better understand your credit score and take steps to improve it? In this episode, Melissa Fradenburg, CDFA®️, AIF®discusses credit scores and how they impact your financial health. We cover the history of credit scores and why they matter, the five factors that determine your credit score, and tips to improve your score over time. We also discuss why it's important to regularly check your credit report and the best resources to do so. Taking control of your credit score is an important step towards financial health and stability.

Resources:

• Find contact information to dispute errors on your credit report at Consumer Financial Protection Bureau.
• Get your free annual credit report.
• More credit resources to check or monitor your credit score: https://www.creditkarma.com/ or https://www.creditsesame.com/
• Learn more about Pearl Planning.
• Listen to Episode 163: Mortgage Rates and the Unlikelihood of a 2008 Repeat with Nathan Steiner.
• Listen to Episode 137: Paying Down Debt with Melissa Fradenburg.
• Listen to Episode 102: All About Emergency Reserves with Melissa Joy, CFP®, CDFA®

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode, Melissa Fradenburg, CDFA®️, AIF® , sits down with Brad Baldridge, one of the nation's leading college financial experts, to discuss late term college planning strategies. Brad has over 20 years of experience in helping families plan, save, and pay for college without jeopardizing their financial security or retirement. Brad shares his insights on the best ways to pay for college, save on college costs, and take advantage of financial aid and scholarships. Brad emphasizes the importance of understanding the total cost of attendance and creating a plan to cover those costs without sacrificing other financial goals.

Resource Links:

• Connect with Brad Baldridge and follow the Taming the High Cost of College podcast.
• Read Blog, 7 Quick Tips for FAFSA Season (and Younger Students Too) .
• Student Aid Index (SAI) Calculator
• Net Price of Colleges By State
• College Visit Questionnaire and Checklist
• Order the book, Who Gets In and Why: A Year Inside College Admissions.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode, Melissa Fradenburg, CDFA®️, AIF® shares 5 essential tips to help you make the most of your financial situation after filing your taxes. Tune in to discover smart money moves, investment strategies, and retirement planning advice to consider while your tax situation is fresh in your mind.

We will discuss:

• Understand the importance of adjusting your tax withholding based on your current financial situation.
• Learn why it's essential to contribute the maximum amount to your retirement accounts.
• Understand the significance of tax-advantaged accounts.
• Are you taking advantage of tax loss harvesting for your taxable investment accounts?
• Find out how to make the most of your tax refund by paying off debt and saving for emergencies.
• Schedule a Financial Planning Appointment with Pearl Planning.

Resource Links:

• Tax Withholding Estimator on IRS.gov
• View Important Numbers for 2023
• What Issues Should I Consider at the Start of 2023
• Listen to Episode 102: All About Emergency Reserves with Melissa Joy, CFP®, CDFA®

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Why do people try to time the market? One reason is that they want to avoid losses during a recession. But the reality is that it's very difficult to time the market effectively. In this episode, Melissa Fradenburg, CDFA®️, AIF® discusses whether it's a wise investment strategy to time the market during a recession. We'll look at some historical data to explore why pulling your money out of the market during a recession may not be the best move, and why trying to time the market can actually hurt your investment returns.

• Learn more about Pearl Planning or connect with Melissa Fradenburg.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Listen to Episode 163: Mortgage Rates and the Unlikelihood of a 2008 Repeat with Nathan Steiner
• Listen to Episode 117: Interest Rates, Inflation, And The Federal Reserve.
• Listen to Episode 110: Asset Allocation and Diversification with Melissa Fradenburg
• Listen to Episode 102: All About Emergency Reserves with Melissa Joy, CFP®, CDFA®
• Read about Beyond Investment Illusions.
• Sign up for our Spring 2023 Economic Update and Investment Outlook.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you looking to purchase a home but worried about the housing market and higher mortgage rates? In this episode, we welcome back Nathan Steiner, NMLS #771054, Senior Vice President of lending with Guaranteed Rate. Nathan has over 20 years of lending experience and understands the unique challenges buyers and agents are facing in the current rate environment. Melissa Fradenburg, AIF and Nathan discuss the current state of mortgage rates, the potential for a recession, and why we don't think we'll see another housing crisis like in 2008. Nathan shares his valuable insights on the factors that differentiate today's housing market from the one that led to the crisis, as well as the safeguards and regulations put in place to prevent a similar disaster. Don't miss this enlightening conversation that will help you make informed decisions about your mortgage and investments.

Resources:

• Find out more about Nathan HERE.
• Reach out to Nathan Steiner.
• Follow Nathan on Instagram and Facebook.
• Connect with Melissa Fradenburg, AIF®and learn more about Pearl Planning.
• Read, What Issues Should I Consider When Dealing With High Inflation?
• Read about 2-1 Buydowns.
• Read Mortgage Recast: Differences From a Refinance.
• Listen to Episode 88: Mortgage Options in Retirement with Nathan Steiner.
• Sign up for our Spring Economic Update and Investment Outlook Webinar HERE.

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.

View Details

In this episode Melissa Joy, CFP®, is a guest on the All About Your Benjamins podcast, hosted by Justin Castelli, CERTIFIED FINANCIAL PLANNER™ practitioner, and founder of RLS Wealth. Melissa is one of the contributors to the new book, More than Money, curated by Justin which explores the practical aspects of financial planning. During their conversation, Melissa shares a powerful story from her chapter in the book, where she explains how financial planning played a crucial role in helping a widow cope with the aftermath of her spouse's sudden death by suicide. Tune in to hear their insightful discussion about the real-life impact of financial planning.

Resources:

• Purchase a copy of More Than Money: Real Life Stories of Financial Planning, Melissa’s Chapter. from Unanswered Questions to Financial Confidence, can be found on page 221.
• Learn more about Justin Castelli, CERTIFIED FINANCIAL PLANNER™ practitioner andRLS Wealth.
• Follow All About Your Benjamins podcast.
• Connect with Melissa Joy, CFP® and Pearl Planning.

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.

View Details

Teaching kids about the value of money is an important life lesson that can help them develop good financial habits in the long run. It's never too early to start teaching your kids about money and its value. In this episode, Melissa Fradenburg, AIF, ® shares three tips to help you get started.

• By helping teens understand the difference needs and wants, they can learn to prioritize their spending and make informed financial decisions.
• Setting boundaries with spending but allowing your child to make decisions around money while the stakes are low. Earning money, whether it's a job or an allowance is so important to developing good money making decisions in adulthood.
• If you want your kids to be financially responsible, then you need to be financially responsible too. Talk to your kids about how you manage your money, and let them see you make smart financial decisions. For example, if you are saving up for a big purchase, explain to your kids how you are budgeting your money to reach your goal.

Resources:

• Learn more about Pearl Planning.
• Connect with Melissa Fradenburg, AIF, ®
• Listen to Episode 124: Teaching Children Financial Responsibility Through Chores.
• Blog post from Pearl Planning, The Three Money Conversations to Have with Your Kids.
• Read article onMistakes Parents Make When Teaching Kids About Money, by Warren Buffett.
• Listen to podcastEpisode 87: How to Talk to Your Kids About Money with Jackie Fradenburg.
• Read the book The Gift of Failure, by Jessica Lahey.

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.

View Details

In this episode we share a replay of A Word On Wealth Podcast, hosted by Sherri Stephens, President and CEO of Stephens Wealth Management Group, with guest Melissa Joy, founder and President of Pearl Planning. Together they discuss the “ins and outs” of purchasing a second home. Thinking about becoming a snowbird? Not sure where to start? Take a listen to hear more about Sherri and Melissa’s journeys to second home ownership and key considerations for anyone thinking about the snowbird lifestyle.

• Buy or Rent
• Set-up home for rental (i.e., VRBO, Airbnb, etc.)
• Property ownership
• Tax considerations
• Exit planning

Resources:

• Learn more about Pearl Planning.
• Follow A Word On Wealth podcast.
• Watch Retirement Readiness Webinar Replay.

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.

View Details

Are you nervous about the recent bank failures? Bank failures are not a common occurrence, but they can have a significant impact on the economy and on individuals who have invested their money in those institutions. It's important to understand the reasons behind bank failures and how they can affect you. In this episode Melissa Joy, CFP, ® and Melissa Fradenburg, AIF, ® break down the many factors that lead to the run on Silicon Valley Bank and Signature Bank and what it could mean for investors.

Resources:

• Learn more about Pearl Planning.
• Read more about the current banking failures HERE.
• How does FDIC work.
• Read the latest resolutions to Protect Insured Depositors of Silicon Valley Bank HERE.

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.

View Details

As children turn 18 and become legal adults, it's important for parents to be aware that they no longer have legal authority over their child's finances, healthcare, or personal decisions. This means that parents should encourage their children to create certain estate planning documents to ensure their wishes are carried out in the event of incapacity or death. In this episode, Liz Derrick, Senior Vice President of Partnership Development with LPL Financial, shares her personal story about needing to go to court during her daughter's health crisis. It's important for adult children to work with an estate planning attorney to create a Health Care Proxy and Durable Power of Attorney. With these documents in place, parents can have peace of mind knowing that their child's wishes will be carried out in the event of incapacity or death.

Resources:

• Connect with Liz Derrick on LinkedIn.
• Read Molly Nagelli's Story HERE.
• Sign up for theDetroit "Go Red" for Women Event.
• Learn more about Melissa Fradenburg, AIF ®, CDFA ®and Pearl Planning.
• Learn more about Women's Heart Health.

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.

View Details

Kelly Aitken-Gwinnell with Aitken & Ormond Insurance Agencyis back with us this week to discuss insurance for small business owners.In this episode, Melissa Fradenburg, CDFA ®, AIF® and Kelly discuss commercial insurance options and why it's important for small business owners to manage risk when it comes to employees, customers, and their own ability to earn income. Learn about common mistakes business owners make so you can make an informed decision when choosing insurance coverage.

Resources:

• Learn more about Aitken & Ormond Insurance Agency.
• Start a quote HERE.
• Learn more about Melissa Fradenburg, AIF ®, CDFA ®and Pearl Planning.
• Reach out to Kelly Aitken-Gwinnell at kgwinnell@aoinsure.com

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.

View Details

Today we are joined by Renee Mason-Sherry and Kelly Aitken-Gwinnell with Aitken & Ormond Insurance Agency. In this episode, Melissa Fradenburg, CDFA ®, AIF® asks Renee and Kelly about all things insurance. Learn about common mistakes people make as well as tips for adding teen drivers to your auto policy. Car insurance can be expensive, but there are ways to save money and still get the coverage you need. By understanding the types of coverage, discounts available, and other factors that affect premiums, you can make an informed decision when choosing insurance coverage.

In this episode:

• Why is auto insurance more expensive for teenage drivers?
• What are the types of coverage for auto insurance?
• What is an umbrella policy and who needs one?
• Is jewelry covered by homeowners insurance?
• What are some of the biggest mistakes you see when it comes to insurance?
• Good student discount: maintain a certain GPA to qualify for a discount

Resources:

• Learn more about Aitken & Ormond Insurance Agency.
• Start a quote HERE.
• Learn more about Melissa Fradenburg, AIF ®, CDFA ®and Pearl Planning.
• Reach out to Kelly Aitken-Gwinnell at kgwinnell@aoinsure.com
• Reach out to Renee Mason-Sherry at rmason@aoinsure.com

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.

View Details

Have you ever fought with your significant other about money? Achieving financial goals as a couple means having conversations and being transparent with each other. In this episode, Melissa Fradenburg, AIF®️, CDFA®️ and Jay Fradenburg, AIF®️ share their professional experience helping couples come together through financial planning as well as their own struggles around financial matters as a married couple.

Resources:

• Find out more about Pearl Planning.
• Learn more about their Financial Planning process.
• Connect with Jay Fradenburg, AIF®️
• Read Take Control of Your Finances in 2023: 10 Actionable Tips for a Secure and Prosperous New Year.
• Watch the Retirement Readiness Webinar.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Do you know how much you need to save for retirement? What considerations go into creating a financial plan? In this episode Melissa Joy, CFP, ® and Melissa Fradenburg, AIF, ® break down many factors that go into retirement planning and your specific financial plan.

Resources:

• Learn more about Pearl Planning.
• Read Take Control of Your Finances in 2023: 10 Actionable Tips for a Secure and Prosperous New Year.
• Listen to Episode 150: What the Secure Act 2.0 Means for Your Retirement
• Sign up for ourRetirement Readiness Webinar.
• Watch our 2023 Economic Update and Investment Outlook Replay.

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.

View Details

The current job market can be uncertain and layoffs can happen at any moment. If you have recently lost your job, it can be overwhelming to figure out how to move forward financially. In this episode, Melissa Fradenburg, AIF®️ will share her own experience being laid off in 2008 as well a financial checklist, so you can take control of your finances and make a plan for moving forward.
Resources:

• Learn more about Pearl Planning.
• Read Blog, Understanding your Restricted Stock Units (RSUs).
• Listen to Episode 79: Winning Resumes with Brooke Kent.
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg.
• Listen to Episode 46: Equity Compensation with Rachel Elson.
• More resources on how to file for unemployment HERE.
• Sign up for ourRetirement Readiness Webinar.

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.

View Details

Whether you're looking to revamp your wardrobe or find a few items that fit the latest trends, getting your dream style can really add up. In this episode, stylist Kendra Bissig, founder of The Blonde Mom, shares tips to save on your budget, without giving up fashion and personal style. Kendra has a practical approach to creating style by mixing budget pieces with luxury designer items sourced for super deals. She believes styling should be fun and having a wardrobe that makes you feel confident, does not need to break the bank.

Resources:

• Learn more about Kendra Bissigaka The Blonde Mom.
• Follow Kendra on Instagramand Facebook.
• Learn more about Melissa Fradenburg, AIF ®, CDFA ®and Pearl Planning.
• Read The Curated Closet: A Simple System for Discovering Your Personal Style and Building Your Dream Wardrobe.
• Read Secrets of the Capsule Wardrobe: How to Find Your Personal Style & Create a Happy, Confident Closet!

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.

View Details

Have you thought about opening a Roth IRA for your child? A Custodial Roth IRA can be a great way to start saving for a child's future, but it's important to understand the tax implications and the income requirements before opening an account. In this episode, Melissa Fradenburg, AIF, ® discusses how a Custodial Roth IRA allows parents to start saving for their child's future early as well as some of the limitations and considerations before opening this type of account.

Resources:

• Learn more about Pearl Planning.
• Watch Michigan MESP 529 Savings Plan – Everything You Need To Know – Webinar Replay.
• Listen to Episode 86: Demystifying the FAFSA Form with Ann Garcia.
• Read SECURE Act 2.0: Later RMDs, 529-to-Roth Rollovers, And Other Tax Planning Opportunities, Jeffrey Levine, CPA/PFS, CFP, AIF, CWS, MSA
• Sign up for our 2023 Winter Economic Update and Investment Outlookor ourRetirement Readiness Webinar.

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.

View Details

The Consolidated Appropriations Act of 2023 (HR 2617), referred to as The Secure Act 2.0, was signed into law in late 2022, and includes important provisions affecting retirement savings plans which are intended to build upon the 2019 SECURE Act. In this episode Melissa Joy, CFP, ® and Melissa Fradenburg, AIF, ® break down many of the parts of this bill as it related to changes in retirement savings and your financial plan. What you should do to prepare for tax, contribution limit, RMD and education savings changes as a result of this bill.

Resources:

• Learn more about Pearl Planning.
• Read SECURE Act 2.0: Later RMDs, 529-to-Roth Rollovers, And Other Tax Planning Opportunities, Jeffrey Levine, CPA/PFS, CFP, AIF, CWS, MSA
• Link to the Consolidated Appropriations Act of 2023 (HR 2617)
• Sign up for our 2023 Winter Economic Update and Investment Outlookor ourRetirement Readiness Webinar.

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.

View Details

It’s that time of year to reset and focus on your investment mindset for 2023 and how to be successful next year and over the long term. Today we are joined by Charlotte Geletka, CFP, ®, Financial Literacy Advocate and managing partner at Silver Penny Financial Planning in Atlanta, Georgia. Melissa Joy, CFP, ® and Charlotte Geletka discuss how to think like a professional investor going into the new year.

Resources:

• Learn more about Charlotte Geletka.
• Learn more about Melissa Joy, CFP ®and Pearl Planning.
• Read - Market Volatility is Part of Investing.
• Read - Is The Stock Market an Optimist.

*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.

Charlotte Geletka is a Registered Representative and offers securities and advisory services through Lincoln Financial Advisors, a broker-dealer (Member of SIPC) and a Registered Investment Advisor. Silver Penny Financial Planning is a marketing name for registered representatives of Lincoln Financial Advisors Corp. CRN-5392978-010323*

View Details

Have you recently been laid off? Do you feel valued in your current role? Are you thinking about leaving your job to become an entrepreneur? Your human capital is one of the biggest drivers of your financial plan. In this episode, Melissa Joy, CFP, ® and Laura Khalil discuss how female entrepreneurs can rebalance the scales of financial justice in their favor and get paid their worth. After cutting her teeth in Silicon Valley, and collecting an unofficial PhD in “Getting Laid Off,” Laura Khalil left the full-time world in 2013 to become an independent consultant. Today she’s turned her attention to helping women go after that “big deal energy” and grow their consulting businesses.

Resources:

• Learn more about Laura Khalil and Brave-By-Design.
• Learn more about Melissa Joy, CFP ®and Pearl Planning.
• Listen to the Brave by Design podcast HERE.
• Listen to Episode 79: Winning Resumes with Brooke Kent.

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.

View Details

If something happened to your spouse, would you be prepared? Have you had important conversations with parents or in laws about how assets will be passed down to family. Do you and your spouse have important legal documents in place to protect you if the unexpected happens? Women are natural caretakers but who will take care of us? In this episode, Irena Politano, owner of Michigan Conservators, will share ways to protect your assets and why its important to educate yourself on what you own and why. She will share real life examples through her roll as a mediator, conservator, and trustee.

Resources:

• Learn more aboutIrena Politano and Michigan Conservators.
• Connect with Irena onLinkedIn.
• Learn more about Pearl Planning.
• Connect with Melissa Fradenburg.
• RSVP for Moms and Money Fireside Chat in Grosse Pointe, MI.
• Sign up to hear about future events.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you planning to relocate or downsize? Whether you are purchasing a home or renting, there are several costs you want to consider when planning to move. In this episode, Melissa Fradenburg, CDFA®️ will discuss why it's a good idea to build up cash reserves prior to moving and what additional costs you should consider to avoid financial surprises.

Resources:

• Listen to Episode 102: All About Emergency Reserves.
• Listen to Episode 136: Lending and the Housing Market in a Rising Rate Environment with Nathan Steiner.
• Listen to Episode 126: Financial Tips for Buying a Car
• Read Blog 7 Year-End Financial Planning Moves.
• Register HERE for Winter 2023 Economic Outlook.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Do you know how long you have to work to become fully insured for social security benefits? What happens if you spend time out of the workforce? Will social security benefits be available for future retirees? Our guest has over 30 years experience working for the Social Security Administration. In this episode, Melissa Joy, CFP interviews, Vonda VanTil, Public Affairs Specialist representing the agency in Michigan. Vonda shares her knowledge on all things Social Security for listeners of all ages.

Resources:

• Learn more about Melissa JoyandPearl Planning.
• Find out more about Vonda VanTil
• Create an account or check your estimated Social Security benefits.
• Read Blog , What Issues Should I Consider When Dealing With High Inflation
• Listen to Episode 139: Cost-of-Living-Adjustment for 2023 with Melissa Fradenburg

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.

View Details

In this special #GIVINGTUESDAY episode, Melissa Fradenburg, CDFA®️ discuss ways to give back this holiday season (and throughout the year). She will address how a Donor Advised Fund can assist with appreciated stock or bundled gift strategies as well as how to take advantage of your charitable deduction and bundle gifts to get itemized deductions in periodic years.

We will learn:

• What is #GivingTuesday
• How to teach children the power of money through charity.
• How bundling your charitable gifts can increase the tax advantage.
• How do qualified charitable donations work?
• Why gifting appreciated stock can make your donation go further.
• What is a donor-advised fund?

Resources:

• Visit the virtual headquarters for Giving Tuesday 2022.
• Read Pearl Planning blog, 10 Ideas for Giving.
• Watch a webinar replay, Money Smart Charitable Giving.
• Listen to podcast episode 33 Charitable Giving with Laura Brownfield for more information on Donor Advised Funds.

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.

View Details

The cost of almost everything is up this year due to inflation. In this Thanksgiving week episode Melissa Fradenburg, Financial Advisor with Pearl Planning, shares tips to keep your holiday spending under control. Whether you put all your seasonal shopping on credit cards or save up months in advance, learn how to avoid the ‘One for you, One for me,’ gift trap and what items need to be included in your overall holiday budget. The goal is to lower financial anxiety and increase joy in this hectic holiday season.

Resources:

• Download Apps, Christmas Gift List, or Gift List, mentioned in this podcast.
• Read, 5 Smart Holiday Spending Tips, by Melissa Fradenburg.
• Listen to Episode 134: Inflation Expectations and Market Volatility with Jay Fradenburg
• Listen to Episode 40: Holiday Spending with Karen Dybis
• Connect with Melissa Fradenburg and Pearl Planning.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you ready to show up as your best self this holiday season? In this episode, Carmie Buhalis ofLife + Wellness Coaching with Carmie, will share ways to reduce stress and find balance during this hectic time of year. Melissa Fradenburg, CDFA®️, Financial Advisor with Pearl Planning and Carmie discuss how to put yourself first, say no to things that don't bring you joy and why it's more important to be happy than right.

Resources:

• Learn more aboutLife + Wellness Coaching with Carmie Buhalis.
• Connect with Carmie Buhalis onInstagram.
• Find out more about Yoga Express.
• Learn more about Pearl Planning.
• Listen to Episode 100: How to Stay Calm In times of Market Volatility.
• Listen to Episode 93: Keeping Holiday Spending in Check.
• Order the book A Course in Miracles.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you ready to end the year strong? With just 7 weeks left in 2022, Melissa Joy, CFP, ® and Melissa Fradenburg, CDFA, ® discuss year end financial planning. It's important to organize your financial "to-do's" and set intentions going into the new year. In this episode we will cover taxes, retirement contribution deadlines, Roth conversions, charitable giving, and cash reserves.

Resources:

• Learn more about Melissa Joy, CFP ® and Pearl Planning.
• Sign up for our Year End Webinar or watch the Replay.
• Listen to Episode 140: Making the Most of Your Employee Benefits with Melissa Joy.
• Listen to Episode 139: Cost-of-Living-Adjustment for 2023 with Melissa Fradenburg.
• Listen to Episode 128: Roth Conversion in a Down Market.
• Listen to Episode 79: Winning Resumes with Brooke Kent.

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.

View Details

It's open enrollment season! Do you need to make changes to your employee benefits? In this episode Melissa Joy, CFP® reviews what you need to know about open enrollment and what various benefit options mean for you as far as coverage and cost.

You will learn:

• How do high deductible plans work vs. traditional plans.
• What is the minimum deductible to qualify as a high deductible plan?
• FSA vs HSA
• Things to consider with dental coverage options.
• Should I take advantage of life insurance through my employer?
• How do I know if I have adequate coverage?
• What do I need to do if my beneficiaries have changed?

Resources: 

• Read Melissa Joy, CFP®  blog, Top Mistakes in Open Enrollment and How to Avoid Them.
• REGISTER for our Year-End Planning Webinar.

View Details

The Federal Government has announced the largest COLA adjustment for Social Security since 1981 and an upward shift in the income tax brackets as well as increases in contribution limits to retirement plans and the standard deduction. Listen to this episode to find out what you can expect in 2023 and how these changes may offset the high inflation we're currently experiencing.
Resources:

• Learn more about Pearl Planning.
• Listen to Episode 128: Roth Conversion in a Down Market
• Listen to Episode 119: Things You Can Do If You’re Feeling The Pinch Of Inflation
• Learn how is COLA is calculated HERE.
• Register HERE for 2022 Year-End Planning Webinar.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode Melissa Joy, CFP, ® discusses grief with Kathi Balasek. Kathi is an educator, grief literacy communication coach, corporate consultant, university lecturer, speaker, widow advocate, and host of the One Well Widow podcast. In this episode she shares her journey in widowhood and talks about the emotional and financial challenges women, in particular, face when losing a spouse.

Resources:

• Learn more about Kathi Balasek.
• Listen to the One Well Widow podcast.
• Connect with Kathi on Instagram and Facebook.
• Learn more about Melissa Joy, CFP ®
• Read about Pearl Planning or learn more about Melissa Joy, CFP ®

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.

View Details

Are you carrying a balance month after month on your credit card? Have you tried paying down credit card debt but just keep putting it off and paying the minimum payment? In this episode, Melissa Fradenburg, CDFA®️ will share some tips on how to pay down debt, as well as ways to change the habits that got you there in the first place.

Resources:

• Learn more about Pearl Planning.
• Listen to Episode 119: Things You Can Do If You’re Feeling The Pinch Of Inflation.
• Listen to Episode 102: All About Emergency Reserves.
• Calculator to pay down debt HERE.
• Compare various methods of debt repayment HERE.
• Read What Issues Should I Consider When Dealing With High Inflation?
• Read Setting and Achieving Financial Goals.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you shocked at how quickly mortgage rates have increased? Are you looking to purchase a home but worried about the housing market and higher mortgage rates? In this episode, Melissa and Jay Fradenburg discuss the current mortgage environment with Nathan Steiner, NMLS #771054, Senior Vice President of lending with Guaranteed Rate. Nathan has over 20 years of lending experience and understands the unique challenges buyers and agents are facing in the current rate environment.

You will learn:

• What are my options now that mortgage rates have increased so quickly?
• Why are rates so much higher than 6 months ago?
• Are there strategies to get a lower rate?
• Is the housing market still a sellers market?
• How does an ARM work?
• What is a 2 -1 buy down?

Resources:

• Find out more about Nathan HERE.
• Reach out to Nathan Steiner.
• Follow Nathan on Instagram and Facebook.
• Read, What Issues Should I Consider When Dealing With High Inflation?
• Read about 2-1 Buydowns.
• Read Adjustable-Rate Mortgage (ARM): What It Is and Different Types.
• Listen to Episode 134: Inflation Expectations and Market Volatility with Jay Fradenburg.
• Listen to Episode 88: Mortgage Options in Retirement with Nathan Steiner.
• Connect with Jay Fradenburg.
• Sign up for our Fall Economic Update and Investment Outlook Webinar HERE.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect o

View Details

Did you know there may be a check, bank account, or inheritance out there that is owed to you? All you need to do is claim it! Maybe you double paid a medical bill. Did a relative leave you money when they passed and you never knew about it? In this episode, Melissa Fradenburg and Jay Fradenburg will explain the process for claiming money that is yours through the unclaimed property website. Through this quick search you may find hundreds or thousands of dollars that are yours and you either forgot about or never knew were yours.

Resources:

• Search for unclaimed property in Michigan HERE.
• federal Unclaimed Property resources.
• Connect with Jay Fradenburg.
• Read about How to Claim Unclaimed Property.
• Listen to Episode 124: Teaching Children Financial Responsibility Through Chores
• Sign up for our Fall Economic Update and Investment Outlook Webinar HERE.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

Tags: InflationFed PolicyRecession

View Details

Are you worried about the recent volatility in the equity markets? Do you understand the relationship between inflation data, potential Federal Reserve rate hikes, and the stock market? In this episode, Melissa Fradenburg and Jay Fradenburg will review the current market environment as well as discuss what additional indicators we should look at when it comes to inflation.

Resources:

· Connect with Jay Fradenburg.

· Read blog 5 Questions to Ask When Stocks Are Down.

· Listen to Episode 119: Things You Can Do if You’re Feeling The Pinch of Inflation.

· Listen to Episode 117: Interest Rates, Inflation, And The Federal Reserve. · Sign up for our Fall Economic Update and Investment Outlook Webinar.
· Read about Beyond Investment Illusions.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode Melissa Joy, CFP® and Rachael Camp, CFP®, co-owner of Camp Wealth Management discuss net worth and the secret signals within your net worth that can lead you to financial freedom. If you would like to get to a place where you own your own time, then this episode is a must listen.

Resources:

• Learn more about Rachael Camp and Camp Wealth Management.
• Episode 76: Improving Your Net Worth with Alexa Kane
• Setting and Achieving Financial Goals
• Fairy Tales and Finance

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 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 or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

View Details

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss the FAFSA form and strategies to maximize financial aid and merit scholarships, find out how to qualify for tax credits and other benefits. If you have a student applying for college this is a must listen episode to help plan financially.

You will learn:

• What is considered a parent asset on the FAFSA?
• How is the EFC formula calculated?
• Why the Net Price Calculator on every college website can help you narrow down options?
• How are the FAFSA and the CSS Profile difference?
• Why every family of a college bound student should fill out the FAFSA even if you don’t think you will qualify for financial aid.
• Why keeping student assets in Roth or 529plan can have a large impact on financial aid.
• Why paying more in taxes in a FAFSA filing year can be beneficial.
• What is the best way for grandparents to gift money for college?
• What changes are coming to the FAFSA in 2023 and how might that change your EFC?

Resources:

• Register for Pearl Planning Book GroupFeaturing Guest Appearance From The Author Tuesday, October 4th at 7:00 PM EST
• Order a copy of the book How to Pay for College by Ann Garcia
• Learn more about Ann GarciaandThe College Financial Lady.
• List of documents you will need to fill out the FAFSA, FAFSA Resources by the College Financial Lady.
• Learn more about the differences between theFAFSA and CSS Profile.
• Sign up for the College Financial Plan Masterclass courseHERE.
• Are you a divorced parent filling out the FAFSA?Hereis a blog for you.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 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 or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

View Details

Are you wondering if your student loans are eligible for forgiveness? In this episode Melissa Joy, CFP®, and Alexa Kane, CFP® discuss who is eligible, how much could be forgiven and next steps.

Resources:

-The White House Fact Sheet on Student Loan Relief.

-FAQs about the Student Loan Forgiveness Plan.

-Information on requesting a refund if you made payments during the pause.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you feeling stressed out with the logistics and expense of getting your kids back-to-school? Do you feel prepared for the extra costs that inevitably come up this time of year? In this episode, Melissa Fradenburg, CDFA®️ will share some tips on how to plan ahead, organize and prioritize your purchases for a smooth transition into the school year.

Resources:

• Learn more about Pearl Planning.
• Listen to Episode 121: Summer Before College Financial Checklist.
• Listen to Episode 112: Teaching Teens Good Money Habits.
• Read Opening Multiple 529s per Beneficiary
• Read The 3 Money Conversations to Have With Your Kids.
• Watch How to Talk to Your Kids About Money.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

The median white American household has ten times the net worth of the median black American household. This is known as the racial wealth gap. This podcast conversation is a follow-up to an episode of 52 Pearls from the summer of 2020 when Melissa Joy and Renee Baker, DBA, RCC Head of Advisor Inclusion Networks at Raymond James, discussed “Closing the Racial Wealth Gap”.

Additional Resources:

• Federal Reserve research on the Racial Wealth Gap.
• Recent episode, Financial Wellness Through Community Work.
• Camille York Adrien to discusses income inequality.
• Renee TedX Talk “What we get wrong about the racial wealth gap”

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

View Details

Have you thought about converting your traditional retirement assets to a Roth IRA? Has the value of your traditional IRA gone down due to market volatility? In this episode, Melissa Fradenburg, CDFA®️ will discuss the conversion process as well as some considerations for those thinking about converting traditional retirement assets to Roth IRA assets. You will learn why a down market may be a particularly opportune time for a Roth IRA conversion.

Resources:

• Learn more about Pearl Planning.
• Read How to Do a Backdoor Roth IRA Contribution?
• Read Am I Eligible for a Mega Backdoor Roth IRA Contribution?
• Read Tax Loss Harvesting – A Guide for Making the Most of a Down Market.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

This week, Melissa Joy is joined by guest Valerie Rivera, CFP to discuss first generation wealth. Valerie founder and owner of FirstGen Wealth, a virtual fee-only practice serving early to mid-career professionals who are the first gen to build wealth in their family. She is part of the 1.5% of Latinas who holds the CFP designation and has been in financial planning for nearly 15 years. She is born and raised in Chicago where she resides with her husband and a feisty 3-year-old. You can find Valerie on LinkedIn or Twitter (@1GenWealth).

In this episode, we discuss:

• What defines first generation wealth? Valerie defines first generation as people who have crossed a threshold not previously achieved by family including college graduation, professional success, or the success of immigrant families.
• What are shared characteristics of first generation families and individuals.
• Financial planning strategies that are important for first generation clients.

Additional resources include:

• A study was recently published highlighting analysis of the economic impact of immigration and the reasons for immigrant success for future generations.
• Article on first generation Americans supporting families and building financial success.
• 52 Pearls Epidode: Financial Wellness Through Community Work with Diana Yanez

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond d

View Details

Melissa Joy and Melissa Fadenburg discuss buying a car in this episode. This is one of the biggest financial decisions you will make and you will likely do it several times in your lifetime. We cover how to think about the car buying process and consider all financial angles so you can feel confident in making a final purchase.

Additional Resources:

• More Buyers Choosing Car Payments Over $1,000
• More Than 12% of New Car Payments Top $1000 a Month
• How Much Can You Afford to Spend on a Car?
• How To Buy A Car
• The 'best deal' for many is to buy vehicle when their lease ends

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Melissa Joy is joined by guest, Laura LaTourette, CFP, to discuss financial planning for LGBTQ clients. Laura is a gay financial planner who founded Family Wealth Management Group, located in Georgia, and co-launched Rainbow Network for LGBTQ financial advisors in 2022.

Additional Resources:

• Find Laura LaTourette on Twitter @LauraLaTourette and LinkedIn
• SAGE Advocacy & Services for LGBTQ+ Edlers (https://www.sageusa.org/)
• More about Rainbow Network
• Estate Planning Considerations for LGBTQ Couples
• CFP Board resources for LGBTQ individuals and couples

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Do your kids think money grows on trees? Are they helping with chores around the house? If you’re tired of handing out money and want to set up a system for your kids to earn money and become a more responsible member of the household this episode is a must listen. Melissa Fradenburg and Jay Fradenburg, share how they motivated their tweens through a system of chores and weekly allowance and why the concept of earning money is so important.

Resources:

• Learn more about Pearl Planningand connect withJay Fradenburg.
• Read blog, The 3 Money Conversations to Have With Your Kids
• Listen to Episode 87: How to Talk to Your Kids About Money with Jackie Fradenburg
• Read The Ultimate List of Age Appropriate Chores.
• Watch a webinar replay, How to Talk to Your Kids About Money.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you spending your whole paycheck every month? Have your monthly expenses increased with inflation to a point you need to start budgeting but don't know where or how to begin? In this episode, Melissa Fradenburg, CDFA®️ will share some tips on how much should go to needs, wants and savings each month to get your budget back on track. You will learn why budgeting should give you permission to spend rather than be considered a restriction.

Resources:

• Learn more about Pearl Planning.
• Listen to Episode 102: All About Emergency Reserves.
• Listen toEpisode 98: Financial Procrastination with Melissa Fradenburg.
• Read Fairy Tales and Finance.
• Read The 3 Money Conversations to Have With Your Kids.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Do you know why both the equity and bond markets are down this year? Do you wonder if we are in or heading into a recession? In this episode, Melissa Fradenburg and Jay Fradenburg will explain the current market environment as well as discuss what might happen going forward. Meet the newest member of the Pearl Planning, and listen to our first husband-wife team episode.

Resources:

· Connect with Jay Fradenburg.

· Read blog 5 Questions to Ask When Stocks Are Down.

· Listen to Episode 119: Things You Can Do if You’re Feeling The Pinch of Inflation.

· Sign up for our Summer Economic Update and Investment Outlook Webinar HERE.

· Read about Beyond Investment Illusions.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Are you getting ready to send off a college student? Have you had a discussion about expenses and budget expectations yet? In this episode, Melissa Fradenburg, CDFA®️ will share some tips on what you can do to prepare your student for the financial responsibility of going out on their own.

Resources:

• Learn more about Pearl Planning.
• Listen to Episode 34: Money Talk for College Students with Stacy Miller.
• Listen to Episode 86: Demystifying the FAFSA Form with Ann Garcia.
• Read Budgeting Apps for College Students.
• Read The 3 Money Conversations to Have With Your Kids.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

In this episode Melissa Joy sits down with Diana Yanez to discuss financial wellness work, especially for the Latina community. Diana is a financial educator and empowerment coach. Her firm, All the Colors, combines her love of numbers and her desire to see others flourish dance to the same beat. While Diana's technical skills will help clients quickly navigate financial questions, it’s her ability to empower them that transforms their relationship with money.

Melissa and Diana discuss:
- The money archetypes
- How community work can help to develop a sense of agency in financial matters
- The racial wealth gap
- The dangers of financial stress and how her work can reduce that

Additional resources:

• Learn more about Diana and All the Colors here: https://allthecolors.net/
• The Color of Wealth helps to explain the racial wealth gap: https://www.faireconomy.org/infographics#menu
• Our episode with Stacy Frances on Financial Abuse: https://pearlplan.com/2022/05/17/episode-116-break-away-from-financial-abuse/
• Our episode on closing the racial and gender wealth gap with Renee Baker: https://pearlplan.com/2020/07/10/episode-16-closing-the-racial-and-gender-wealth-gap-with-renee-baker/

View Details

Are you feeling the pinch of inflation? Does filling up your car at the pump have your budget feeling tight? Maybe you have considered stopping your automatic investments to increase cash flow? In this episode, Melissa Fradenburg, CDFA®️ will share some tips on what you can do to ease the pressure as well as what NOT to do in the current inflationary environment.

Resources:

• Learn more about Pearl Planning.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Read blog Tax Loss Harvesting – A Guide for Making the Most of a Down Market.
• Watch Financial Wellness in a Bear Market.
• Read about Beyond Investment Illusions.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Dealing with the challenges of safe and appropriate housing for aging parents with a diminished capacity can be extraordinarily challenging. Our guest today is Caroline Gaynor, an investment professional at Avantis. Caroline has personally experienced the need to help her mom change her home, first to Caroline’s house and then to an assisted living facility.

Caroline shares her personal story of how, as she prepared to have her first child, she needed to move her mom into her house. And how she made decisions along the way for both her mom and her financial life. In the end, a financial advisor helped to navigate the complexity of what was right.

Listen in to hear Caroline’s vulnerability and the obstacles she met along the way. How hers and her mom’s quality of life has improved with the ultimate decision for her mom to move into a care facility. Learn how instrumental the family financial advisor was in deciding what was appropriate. And find the silver linings that Caroline feels were blessings in the years that her mom lived with her family.

Resources:

• Caroline Gaynor’s professional profile
• Follow @carolinebikes on Twitter here
• A recent podcast on organizing your house to prepare to downside with Kristie Kindstrom
• The Michigan Area Agency on Aging in Oakland County and for the state of Michigan
• Download our checklist – What Issues Should I Consider for My Aging Parents?

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.

View Details

Do you know why the Fed raises rates to fight inflation? Have you ever wondered what the term "hawkish" or "dovish" mean when in reference to Federal Reserve policy? In this episode, Melissa Fradenburg will explain the reasoning behind increasing rates to control inflation as well as define some of the common terminology you are likely hearing about in relation to the current inflationary environment.

Resources:

• Learn more about Pearl Planning.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.
• Watch a Webinar Replay, Update on the Housing Market.
• Read about Beyond Investment Illusions.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

If you feel as though you are experiencing financial abuse or you have a friend who might benefit from this topic discussion, this episode is a must listen. Stacy Francis, CFP ®, CDFA®, CES®, and founder of Savvy Ladies shares how anyone suffering from financial, emotional and physical abuse can take the necessary steps to get out of this type of situation. Learn what fuels Stacy’s passion for this topic and why it’s so important to take action and break free from feeling “trapped” as soon as possible.

Resources:

Stacey’s organization, Savvy Ladies: https://www.savvyladies.org/

Stacey’s wealth management firm, Francis Financial: https://francisfinancial.com/

National Resources:

National Domestic Violence Helpline: (800) 799-7233

National Domestic Violence Hotline: https://www.thehotline.org/

The Allstate Foundation: https://allstatefoundation.org/what-we-do/end-domestic-violence/

Serena Williams Crusades Against Domestic Violence: https://fairygodboss.com/articles/this-is-the-heartbreaking-reason-serena-williams-decided-to-speak-out-about-domestic-abuse

Local Resources:

Haven of Oakland County: https://www.haven-oakland.org/

Safehouse Center of Ann Arbor: https://www.safehousecenter.org/

The Women’s Center of Southeast Michigan: https://womenscentersemi.org/

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.

View Details

In this episode Melissa Joy, CFP, ® and Melissa Fradenburg, CDFA, ® discuss ways to clean up your finances. Do you have a the financial equivalent to a junk drawer? Do you have a bunch of tasks related to your financial life that keep coming up but never get completed? Spring is the perfect time to refresh your finances and get organized. Listen to this episode to get some ideas on how to get started.

Resources:

Learn more about Melissa Joy, CFP ®.

Read The Brick Magazine article by Melissa Joy, CFP ®,Spring Clean you Finances.Access to yourAnnual Free Credit Report.Listen to Episode 108: Risk Tolerance with Melissa Fradenburg.

Visit http://pearlplan.com/springcleaning for a budget worksheet and additional resources.Watch Pearl Planning Webinar on Spring 2022 Economic Update and Investment Outlook.

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.

View Details

In this episode Melissa Joy, CFP, ® shares what you should do to prepare for next year, now that 2021 Tax filing deadline has come and gone. Are your taxable investment accounts tax efficient? Did you have some surprises this year as far as what you owed or what you got back? Listen to this episode for some tips on how to avoid surprises for next year and learn when you might need to consult a professional.

Resources:

Learn more about Melissa Joy, CFP ®

Read Pearl Planning blog by Hannah Near, CFP ® on RSU'sRead Pearl Planning blog by Hannah Near, CFP ® on Tax Preparation ChecklistRead Pearl Planning blog by Hannah Near, CFP ® on Tax Loss Harvesting.

Watch Pearl Planning Webinar on Spring 2022 Economic Update and Investment Outlook

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.

View Details

Have you been looking to purchase a home? With mortgage rates increasing, you may need to reconsider your home budget. You might get approved for a loan amount higher than what you can comfortably purchase. In this episode, Melissa Fradenburg will share some common calculations to determine the appropriate amount as well as some other considerations when determining how much home to purchase.

Resources:

• Learn more aboutPearl Planning.
• Use this Calculator to figure out your monthly payment.
• Read How do changes in ownership affect property taxes?
• Listen to Episode 101: Simplifying the Mortgage Process with Jill Byrne and Laura Peters
• Listen to Episode 72: Buying a Home in a Seller’s Market with Shana Sine Cameron

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. 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. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.

View Details

In this episode, Melissa Fradenburg shares stories of both money habit success as well as recent failures with her own teenagers. Learn how allowing her daughter to spend money on short shorts and platform sandals turned into one of the best money lessons and how letting her son place items in the online cart for a week can instill good spending habits. This episode will help you prepare your teens for a world where many adults struggle to spend within their means and save for what they want most vs what they want now.

• Learn more aboutPearl Planning.
• Blog post from Pearl Planning, The 3 Money Conversations to Have with Your Kids
• Read article onMistakes Parents Make When Teaching Kids about Money, by Warren Buffett.
• Listen to podcast Episode 87: How to Talk to Your Kids About Money with Jackie Fradenburg
• Read the book The Gift of Failure, By Jessica Lahey. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, CDFA®, talks about environmental, social, and governance (ESG) investing and shares clips from previous episodes featuring Kalita Blessing, CFP® and a Chartered SRI Counselor, as well as Perth Tolle, founder of The Life + Liberty Freedom 100 Emerging Markets Index. In this episode you will learn more about sustainable, responsible, and impact investing strategies and ways to implement ESG investing into your portfolio.

Find out more about Perth Tolle

Find out more about Kalita Blessing HERE.

Read more on ESG Investing HERE.Watch a webinar REPLAYon ESG Investing.
Listen to Episode 55: ESG Investing with Kalita Blessing

Listen to Episode 65: Human Rights and Investing with Perth Tolle.

Links are being provided for information purposes only. The information herein is general and educational in nature . Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request. Utilizing an ESG investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations. Sustainable/Socially Responsible Investing (SRI) considers qualitative environmental, social and corporate governance, also known as ESG criteria, which may be subjective in nature. There are additional risks associated with Sustainable/Socially Responsible Investing (SRI), including limited diversification and the potential for increased volatility.

View Details

Asset allocation and diversification are common investment terms, yet many investors struggle with the concepts. In this episode, Melissa Fradenburg, CDFA®️ , Financial Advisor, will break down the concept of diversification. What does it mean to be diversified among asset classes and how can that help in times of market volatility?

Resources:

• Learn more about Pearl Planning.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Read about Beyond Investment Illusions.
• Listen to Episode 99: Passive vs. Active Investing with Amanda Piper, CFA
• Listen to Episode 108: Risk Tolerance

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

If you feel as though you are giving pieces of yourself in your career and at home, but not quite present in either, this episode is a must listen. Cathy Harber, Realtor at Coldwell Banker- Weir Manual, and mom of 4 boys shares how by being intentional with her schedule she can avoid mom guilt and be present in the moment. Learn what two things Cathy vowed never to argue with her children about and why giving herself grace on those topics is a form of self-care. Learn tips on getting to "all the things" and find the "mom cracks" in your schedule.

Resources:

• Learn more aboutPearl Planning.
• Connect with Cathy Harber.
• Follow Cathy Harber onInstagramor LinkedIn.
• Listen toEpisode 81: Building a Work Life You Love as a Mom with Kelli Anderson
• Listen to Episode 69 The Secrets to Happiness at Work with Dr. Tracy Brower
• Read a Blog on The best to-do Apps.
• Download the To Do List app for ios.

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.

View Details

If you struggle with how to allocate your investments or feel the urge to pull money out of the market in times of volatility, you need to listen to Melissa Fradenburg, Financial Advisor, explain the concept of Risk Tolerance. In this episode, she will explain how she determines risk tolerance for her clients, as well as why it’s important to consider your opinion of risk in both up and down markets. When we only focus on the risk of downside losses, it is possible to increase exposure to inflation risk.

Resources:

· Learn more about Pearl Planning.

· Read blog 5 Questions to Ask When Stocks Are Down.

· Read about Beyond Investment Illusions.

· See Historical Returns at various allocations.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

Have you been feeling the pressure of inflation or rising gas prices as of late? Maybe you are concerned about where your money is going as you worry you are spending more money than you probably should? You are definitely not alone. The number of people who have no idea how much they are spending is alarming. So, in this episode, Melissa Fradenburg will be sharing how to avoid the dreaded lifestyle creep so that you can have a better understanding of your overall finances and spending.

Resources:

• Contact me with your tips for keeping spending down at melissa.fradenburg@pearlplan.com
• Calculate your debt repayment with Credit Karma
• Read Nerdwallet’s article about Lifestyle Creep
• Watch Setting and Achieving Financial Goals
• Listen to Episode 102: All About Emergency Reserves

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

If you feel the urge to pull money out of the market in times of short term volatility, you need to listen to Melissa Fradenburg, Financial Advisor, explain the concept of buying the dips. In this episode, she will explain how the concept works, as well as why buying the dip does not guarantee getting in at market lows. When company valuations are substantially lower than they were just weeks ago, investors have an opportunity to buy at a relative lower price. Learn why in a volatile market, buying at lower prices could be a good strategy for generating long-term returns.

Resources:

• Learn more about Pearl Planning.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.
• Read about Beyond Investment Illusions.
• Read about Averaging Down.

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

View Details

If you feel as though you should be paid more for your work (and want to do something about it), you have only two choices: ask for a raise or find another job that offers higher pay. Of course, if you enjoy the work you’re currently doing, the easier option would be to ask for a raise. But how can you ensure you are asking in the right way? In this episode, Melissa will be sharing everything you need to know before setting up that meeting to ask for more pay.

Resources:

• Learn more about Pearl Planning.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.
• Visit Indeed
• Visit Glassdoor
• Listen to Episode 79 Winning Resumes with Brooke Kent
• Listen to Episode 69 The Secrets to Happiness at Work with Dr. Tracy Brower
• Read about Maximizing the Benefits of Your Incentive Stock Options ISOs
• Read about Utilizing your NQSOs to Help you Meet Your Goals

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.

View Details

In this episode, Melissa Fradenburg is joined by the Ladies in Law®, founders of a boutique law firm in downtown Detroit. They specialize in legacy planning – the process of arranging for the preservation, management and distribution of assets in the event of an individual’s incapacitation or death. Ladies in Law® make quality legacy planning accessible. These two women are from diverse and unique backgrounds but have come together with one unified goal: to provide the highest level of legal services to their clients. Today they join the show to discuss Domestic Asset Protection Trusts in Michigan and how you can apply this to your situation.

Resources:

• Learn more about Pearl Planning.
• Read blog 5 Questions to Ask When Stocks Are Down.
• Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.
• Connect with The Ladies in Law
• Book a consultation with the Ladies in Law
• Connect with Ladies in Law on Instagram
• Connect with Ladies in Law on YouTube
• Connect with Ladies in Law on Facebook

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.

View Details

Tyler Olson is a Financial Planner for Medical Professionals and their families as they transition out of their training, as well as a business and investment educator. He is the host of the Money Mediator Podcast and the owner of Olson Consulting LLC. Tyler joins the show today to discuss how to evaluate a decision to take on debt, whether this is student loans or another important but overwhelming amount of debt. Listen in as he explains how to ensure you don’t get stuck in debt for the rest of your life and shares his advice for anyone considering applying for PSLF.

Resources:
· Learn more about Pearl Planning.
· Read blog 5 Questions to Ask When Stocks Are Down.
· Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.
· Watch REPLAY Financial wellness in a bear market
· Connect with Tyler Olson on Twitter
. Visit Olson Consulting LLC
. Read more on the PSLF Limited Waiver
. Listen to Episode 86: Demystifying the FAFSA Form with Ann Garcia
. Listen to Episode 29: Student Loan Strategies with Catalina Kaiyoorawongs

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.

View Details

Unexpected things happen all the time in life. Sickness, major home repairs, other unforeseen circumstances—any of these can be costly if not prepared for properly. The purpose of an emergency reserve is to improve financial security by creating a safety net that can be used to meet this kind of unanticipated expense. So, in this episode, get ready to dive deep into this topic and learn what there is to know about emergency reserves.

Resources:
· Learn more about Pearl Planning.
· Read blog 5 Questions to Ask When Stocks Are Down.
· Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.
· Watch REPLAY Financial wellness in a bear market
· Read blog How to Do a Backdoor Roth IRA Contribution
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.

View Details

Purchasing a home can be stressful and intimidating—especially if you are applying for a mortgage. When you understand the process and industry terminology, you can make better home buying decisions. In this episode, Jill Byrne NMLS 1422390 and Laura Peters NMLS 1540447, with Hill Mortgage, explain some of the common mistakes buyers make and break down the process in this must listen episode.

You will learn:

• Why it’s better to have a pre-approval letter vs a pre-qualification letter from your lender.
• What is a home appraisal and why do I need one?
• Should you escrow your taxes with your mortgage lender?

Resources:

• Learn more about Hill Mortgage
• Connect with Laura Peters or Jill Byrne
• Use this calculator to estimate your monthly mortgage payment

Links are being provided for information purposes only. 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. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.

View Details

Melissa Joy, CFP ® and Melissa Fradenburg celebrate 100 episodes and reflect on their podcasting journey together. Learn about exciting changes to the podcast and what they hope to share with their growing audience in season 3. In this episode, both Melissa(s) share their knowledge on the topic of investing, specifically how to stay calm in times of market volatility.

Resources:

· Learn more about Pearl Planning.

· Read blog 5 Questions to Ask When Stocks Are Down.

· Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.

· Watch REPLAY Financial wellness in a bear market

· Read blog What Bear Markets Have Taught Me

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.

View Details

Our guest today is always willing to roll up her sleeves and dive into the numbers as a seasoned investment professional. Amanda Piper, CFA® Charterholder and CEP®, is a partner at Wagener-Lee, LLC, where she helps people make investment decisions. In this episode, she joins the show to share her knowledge on the topic of investing, specifically active and passive investing.

Resources:

· Learn more about Melissa JoyandPearl Planning.

· Calculate how to pay down your credit card debt HERE.

· Connect with Amanda Piper on Wagener-Lee, LLC or on Facebook.

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.

View Details

In this episode, Melissa Fradenburg discusses one of the most common things holding people back in their financial lives: procrastination. Do you have credit card debt you have been ignoring? Have you been meaning to start or increase your contributions to a company retirement plan? Do you have an account somewhere but not sure how it is currently invested or how to access statements? Melissa shares a twitter post she found interesting and hopes it will inspire you to act now and stop letting financial chores haunt you.

Resources:

• Learn more about Melissa FradenburgandPearl Planning.
• Calculate how to pay down your credit card debt HERE.
• Read this article, 401K Rollover IRA Guide, by Arielle O'Shea, to figure out how to roll over an old plan.

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.

View Details

In this episode Melissa Joy, CFP ® discusses what you should do to start the year off financially strong. Need to kick-start your financial New Year’s resolutions? This episode can help you get moving on the important things you may have been putting off. Melissa will help you break it down into manageable steps.

You will learn:

· Have your goals or circumstances changed & does this change your investment strategy?

· Does it make sense to do a Roth conversion or back-door Roth this year?

· Have you been putting off getting a will, trust, power of attorney or healthcare directive?

· Why your investment portfolio may need to be rebalanced.

· Have you had a birthday that has implications for distributions from qualified plans?

Resources:

Learn more about Melissa Joy, CFP. ®

Read this Pearl Planning blog,How to do a Back Door Roth IRA Contribution.

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.

View Details

In this episode Melissa Joy, CFP, ® discusses what you should do in these last few days of 2021 to get your financial year wrapped up. She shares valuable insight on things we should review in retirement planning, money mindset, and investing before we ring in the new year.

You will learn:

· What contributions need to be in for 2021 by December 31st?

· What are some things to consider with charitable gifting?

· Why you should make a financial to-do list for this week and next year.

· Take the time to list your accomplishments for the year.

· Write down some thoughts on how it felt to be an investor this year.

Resources:

Learn more about Melissa Joy, CFP. ®

Read Pearl Planning blog by Hannah Near, 7 Year-End Financial Planning Moves.

Watch Pearl Planning Webinar on Year-end Planning 2021.

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.

View Details

In this episode Melissa Joy, CFP, ® and Kristie Kindstrom, founder of Your Honeycomb Inc., discuss ways to plan for aging and leaving a legacy. As a longevity planning expert with more than 30 years of experience in the financial services industry, Kristie Kindstrom helps families create a longevity plan by categorizing all facets of a person’s life, from assets, digital estate, daily life, health, and legacy. If you or your family members need help organizing and creating a plan, this episode is a must listen.

You will learn:

· How to organize and inventory photos and family heirlooms

· Tips for working to take inventory together as a family.

· What is a digital estate?

· Where is a good place to keep passwords and online assets to protect but also share with the right people?

· Why it’s important to build your support network now in case something were to happen to you.

Resources:

· Learn more about Kristie Kindstrom and Honeycomb Inc.

· Learn more about Everplans.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, and Ashley Mont, discuss smart financial moves that can help millennials (and future generations) build wealth. Ashley, a biomedical engineer, is the founder & CIO of a technology start up and a financially savvy millennial. Ashley shares some tips that helped her to lay a solid financial groundwork as well as mistakes she has witnessed others in her generation make.

You will learn:

· How budgeting can set you up for future success.

· Why understanding interest rates is an important component of large purchase decisions.

· How to read the fine print when accepting school loans.

· How the opportunity to go to college being presented as something exciting from a young age, helped shape Ashley’s mindset today.

· Why picking a major that leads to a high-income earning career is important?

· How to learn and recover from your financial mistakes.

· Why mindset is so important when setting goals.

· What inspired Ashley to major in biomedical engineering.

Resources:

Find out more about NeuroTechR3, Inc.

Connect with Ashley Mont on LinkedIn.

Read, 3 Ways Millennials Are Getting Money Right, by Kelsey Sheehy.

Listen to Episode 50: Gen Z Disruption with Julia Carreon.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, shares tips to keep your holiday spending under control. Whether you put all your seasonal shopping on credit cards or save up months in advance, you should have an overall budget number in mind.  The bonus to planning is you can lower financial anxiety and increase personal enjoyment in this hectic season.

You will learn:

·       Why making a list and checking it twice is so important this year?

·       How to avoid the ‘One for you, One for me,’ gift trap.

·       Why it is important to include other holiday expenses outside of gifts in your overall budget.

·       What apps can help you keep track of purchases. 

·       Ways to think outside the box if money is tight this season.

Resources: 

Download Apps, Christmas Gift List, or Gift List, mentioned in this podcast.

Read, 5 Smart Holiday Spending Tips, by Melissa Fradenburg. 

Here are some of Melissa’s favorite gift list ideas from Living In Yellow and The Motherchic. 

View Details

In this special #GIVINGTUESDAY episode, Melissa Joy, CFP® and Alexa Kane, CFP® discuss ways to give back this holiday season (and throughout the year). They will address how a Donor Advised Fund can assist with appreciated stock or bundled gift strategies as well as how to take advantage of your charitable deduction and bundle gifts to get itemized deductions in periodic years.

We will learn:

· What is #GivingTuesday

· How to teach children the power of money through charity.

· How bundling your charitable gifts can increase the tax advantage.

· How do qualified charitable donations work?

· Why gifting appreciated stock can make your donation go further.

· What is a donor advised fund?

Resources:

Visit the virtual headquarters for Giving Tuesday 2021.

Read Pearl Planning blog, 10 Ideas for Giving.

Watch a webinar replay, Money Smart Charitable Giving.

Listen podcast episode 33, Charitable Giving with Laura Brownfield, for more information on Donor Advised Funds.

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.

View Details

In this special Thanksgiving week episode, Melissa Joy, CFP® and nutrition coach Liza Baker discuss the secrets to successfully transform habits when it comes to your health and wealth this holiday season (and throughout the year). As a health coach and employee wellness consultant, Liza focuses on employee wellness programs or 1:1 and group programs for individuals. Liza and Melissa discuss the similarities between taking small sustainable steps to change habits and how to reclaim your agency in both aspects of your life.

We will learn:

· Why the best way to eat is to listen to your intuition.

· Why you need to stop “shoulding” all over yourself.

· What are the three S’s of having success with healthy and wealthy habits?

· What the E-A-T process means.

· Why we cannot give up agency when it comes to our health or our financial future.

· When you indulge make sure you enjoy it.

· Why thinking of each holiday as a single day to indulge vs a season is important?

Resources:

Learn more about Liza Baker Health Coach

Join Liza the first Wednesday of each month for a mid-week workshop.

Read Liza’s blog, Thanksgiving in the Kitchen.

You can follow Liza’s podcast, Simply: Health Coaching.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Liza Baker. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.

View Details

In this episode Melissa Fradenburg, and Hannah Near, CFP, ® CPA discuss what you can do in the last 5 weeks of the year to get your finances in order. We all know how chaotic this time of year can become with the holiday season approaching. Hannah shares valuable insight on things we should review in retirement planning, employee benefits, gifting and taxation before we ring in the new year.

You will learn:

· What can you do with unspent FSA money?

· Why it’s important to review your retirement contributions.

· Is it too late to do a Roth Conversion?

· What are some things to consider with charitable gifting?

· What can I do if I know my taxes are going up in 2022?

Resources:

· Find out more about Hannah Near, CFP®

· Read the latest Pearl Planning blog by Hannah Near, 7 Year-End Financial Planning Moves.

· Read blogs Maximizing the Benefits of your Incentive Stock Options (ISOs) or Utilizing Your NQSO’s to Help Meet Your Goals, if you are considering exercising stock options to accelerate earnings for 2021.

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.

View Details

In this episode, Melissa Fradenburg and Lynn Walsh, discuss ways to communicate better on money differences as well as touch on what could be controlling behavior around money or constitute financial abuse. Lynn Walsh, MS, LLP,holds a Master of Science in clinical psychology and has a private practice in Grosse Pointe, Michigan. With her focus in supportive self-esteem and assertiveness, building and strengthening bonds, and communication in relationships, Lynn is a great resource for those who may find themselves struggling to communicate money differences or who are in a financially abusive relationship.

You will learn:

· What are some signs you are in a financially abusive relationship?

· How limiting your access to assets or ability to earn money is a form of abuse.

· How to determine if you are being controlled in a relationship?

· Why it is important for both partners to feel listened to and heard.

· The importance of spending autonomy.

· Why you can gain clarity on finances when you focus on being on the same team to reach financial goals.

Resources:

· Find out more about Lynn Walsh HERE.

· Read a Blog post, What is Financial Abuse? These Are the Signs.

· Schedule a session with Lynn Walsh, MS, LLP

· Reach out to National Domestic Abuse Hotline for additional resources.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Lynn Walsh, MS, LLP. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.

View Details

Episode 88: Mortgage Options in Retirement with Nathan Steiner

In this episode, Melissa Fradenburg and Nathan Steiner, NMLS #771054, discuss what mortgage options you may have available in retirement. Whether you are looking to downsize or purchase a vacation home, mortgage options may be available even if you do not have employment income. Nathan has over 20 years lending experience and understands the unique challenges retirees are facing in the current rate environment.

You will learn:

· Can I get a mortgage in retirement without employment income?

· What are the advantages of having a mortgage in retirement?

· What are my options to access equity in my primary home to purchase a second home without selling?

· Do you recommend reverse mortgages?

· Should I take money out of my IRA or 401K to pay off my mortgage?

· The difference between home equity lines of credit vs cash out refi?

· How does amortization work and why you might want to do that instead of refinancing your loan?

Resources:

Find out more about Nathan HERE.

Follow Nathan on Instagram or Facebook.

Read an article, Ways to Borrow When Retired from Investopedia.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Nathan Steiner or Guaranteed Rate. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.

View Details

In this episode Melissa Fradenburg and her daughter Jackie discuss ways to talk with your kids about money. Jackie will share how she learned about money and why she is a good saver. Melissa will ask Jackie a series of questions that can help parents have meaningful conversations about money as well as instill good money behavior at a young age.

You will learn:

• Why asking your kids about their first memory of money is a good conversation starter?
• What are some of the things your children could do differently to help with the monthly household expenses?
• Ask your Kids: What’s the difference between a “want” and a “need”?
• Should kids get an allowance for chores?
• Ask your kids: Did you ever purchase something and later have regret?

What Resources:

Listen to a webinar replay, Talking to Your Kids about Money.

Blog post from Pearl Planning, The 3 Money Conversations to Have with Your KidsRead an article from NPR, Want to Teach Your Kids About Money? Start By Including Them In the Conversation.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss the FAFSA form and strategies to maximize financial aid and merit scholarships, find out how to qualify for tax credits and other benefits. If you have a student applying for college this is a must listen episode to help plan financially.

You will learn:

• What is considered a parent asset on the FAFSA?
• How is the EFC formula calculated?
• Why the Net Price Calculator on every college website can help you narrow down options?
• How are the FAFSA and the CSS Profile difference?
• Why every family of a college bound student should fill out the FAFSA even if you don’t think you will qualify for financial aid.
• Why keeping student assets in Roth or 529plan can have a large impact on financial aid.
• Why paying more in taxes in a FAFSA filing year can be beneficial.
• What is the best way for grandparents to gift money for college?
• What changes are coming to the FAFSA in 2023 and how might that change your EFC?

Resources:

• Learn more about Ann GarciaandThe College Financial Lady.
• List of documents you will need to fill out the FAFSA, FAFSA Resources by the College Financial Lady.
• Learn more about the differences between theFAFSA and CSS Profile.
• Sign up for the College Financial Plan Masterclass courseHERE.
• Are you a divorced parent filling out the FAFSA?Hereis a blog for you.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 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 or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

View Details

Melissa Joy, CFP® is joined by Sharee Burkel, the owner of the QDRO Company, LLC, a CERTIFIED FINANCIAL PLANNER™ practitioner, Certified Divorce Financial Analyst (CDFA®), and Certified QDRO Specialist™. In this episode they discuss Qualified Domestic Relation Order (aka QDRO) in simple and easy to understand terms. If you need to divide retirement assets in divorce, you may need a QDRO. We explain the ins and outs.

You will learn:

• A QDRO is a legal document that divides a financial asset, specifically retirement plans pursuant to divorce.
• Why do I need one drafted?
• How do I start the QDRO process?
• What happens if I never ordered the QDRO after my divorce was final?

Resources:

• The QDRO Company LLC website HERE.
• Learn more about Sharee Burkel, CFP®, CDFA®, CQS™
• Additional divorce resources and blogs HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning does not provide legal or tax advice. Please be sure to consult with the appropriate legal or tax professional with regards to your situation.

View Details

In this episode, Melissa Joy CDFA® is joined by attorney Peter Bissett, PLC to discuss spousal support. Peter works both in litigation and collaborative law practice, and focuses solely on divorce, custody, and parenting time proceedings. In this episode, Melissa and Peter address the many variables that go into determining spousal support in the divorce process.

You will learn:

· Even in a “no-fault” divorce state, fault can play a role in spousal support.

· What are the 14 factors considered when determining the support amount?

· How is monthly spousal support determined if the higher-earning spouse is paid in commission or bonus pay?

· What happens if the paying spouse dies or becomes unemployed?

Resources:

Find more information about Peter Bissett, PLC HERERead Peter's Blog ,What Happens to the Equity in our House if we get Divorced?Learn how Divorce Financial Planning can help.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning does not provide legal or tax advice. Please be sure to consult with the appropriate legal or tax professional with regards to your situation.

View Details

In this episode Melissa Fradenburg and Hannah Near, CFP, ® CPA, discuss the recently proposed tax legislation. With her master’s in accounting and experience in financial planning, Hannah offers valuable insight on how the proposed tax changes may affect various aspects of your financial picture. We will discuss potential changes to estate planning, retirement planning and business tax filing status that you might want to consider before this legislation is signed into law.

You will learn:

· What could the new top marginal tax rate look like and what income ranges would be affected?

· What can you do to prepare for a higher capital gains tax rate?

· Who will be impacted by changes in pass-through and S-Corp rules?

· Could Roth IRA conversions going away?

· What is the proposed exemption amount for estate taxes?

· Will the child tax credit from 2021 be extended?

Resources:

Find out more about Hannah Near, CFP®

Read the latest Pearl Planning blog, House Democrat Tax Proposal: What You Need to Know.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 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 or legal matters. You should discuss any tax or legal matters with the appropriate professional.

View Details

In this episode Melissa Joy, CFP® and Adam Wadie, HR consultant with Advanced Insurance discuss what you need to know about open enrollment and what various benefit options mean for you as far as coverage and cost. Adam specializes in complex enrollments and is always looking to simplify the enrollment process.

You will learn:

· What are the differences between an HMO and a PPO?

· How do high deductible plans work vs. traditional plans.

· What is the minimum deductible to qualify as a high deductible plan?

· FSA vs HSA

· Things to consider with dental coverage options.

· Should I take advantage of life insurance through my employer?

· How do I know if I have adequate coverage?

· What do I need to do if my beneficiaries have changed?

Resources:

Find out more about Adam Wadie and Advance Insurance.

Read Melissa Joy, CFP® blog, Top Mistakes in Open Enrollment and How to Avoid Them.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Adam Wadie or Advanced Insurance. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Kelli Anderson discuss the importance of work-life integration for working mothers and how to move from an unhappy work situation to a fulfilled career. Kelli Anderson is a career coach for working moms and the founder of Mindset Mamas and Get The Job Shop.Kelli specializes in helping women gain clarity and take action when considering a pivotal career change or starting a businesses. If you no longer feel like you belong in your current role or crave purpose in your work-life, this podcast episode is a must listen.

You will learn:

· How to gain clarity on what it is that will make you feel fulfilled.

· Why it is important to get your identity back after becoming a mother.

· How to turn that “dream job” into a reality.

· Why women stay at a job when they’re miserable.

· How happiness at work translates to happiness at home.

· How focusing on work-life integration vs work-life balance can be more realistic.

· How to get your resume to stand out to employers.

Resources:

Find out more atwww.mindsetmamas.com

Find job resources at www.getthejobshop.com

Read This one easy tip can change the entire day for working moms, Blog from Kelli Anderson.

Contact Kelli Anderson HERE.

More career resources for moms at The Mom Project.

Join a community for working moms at Hey Mama.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Kelli Anderson, Mindset Mamas or Get the Job Shop. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, financial advisor, RJFS and Chiara Mattieson discuss the common mistakes made in estate planning. As an estate planning attorney with extensive experience in litigating probate and related civil matters, Chiara understands what can happen when estate planning goes wrong.

You will learn:

· A full estate plan does a lot more than "say who gets what when you die."

· A will is not a plan. It is "here's who gets what when I die."

· Why trusts are not just for the super wealthy.

· Why you must title assets and designate beneficiaries in accordance with your plan.

· Why just using “joint titling" instead of an estate plan is risky.

· How to tackle estate planning for blended families.

· Why you should never keep secrets with your estate planning attorney. DISCLOSE!

· What you need to tell your intended heirs to help execute your plan.

Resources:

· Learn more about Chiara Mattieson and Mattieson Law, PLC HERE.

· Read Chiara’s blog, Estate Planning For Single People: Why It Matters

· Contact Chiara Mattieson directly HERE.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Chiara Mattieson or Couzens Lansky. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning advisors do not provide legal or tax advice. Please be sure to consult with the appropriate legal or tax professional with regards to your situation.

View Details

In this episode Melissa Joy, CFP® and Brooke Kent discuss the secrets to a successful career move. They cover everything from writing a resume that stands out, updating your LinkedIn profile to attract recruiters, to mastering the interview process. Brooke has spent two decades helping executives and professionals craft personalized, achievement focused, persuasive and visually appealing resumes and LinkedIn profiles.

You will learn:

· How to tell a story and share quantifying details about job experience at the same time.

· Why you should customize your URL on LinkedIn.

· Make sure your headshot is up to date and coveys that you are competent, likable, and professional.

· Why you should not skip the “summary” or “skills” section of LinkedIn.

· How do you get your resume to “stand out?”

· What font you should use on your resume?

· Things not to include on your resume.

· How do you prepare for a job interview?

· How to hit a sweet spot of warmth and competence in an interview.

· How to dress for a job interview.

· Common questions to prepare to answer in a job interview.

Resources:

Find out more about Brooke Kent HERE.

Upcoming Webinars to help you advance your career.

Follow Brooke on LinkedIn.

Link to Brooke Kent’s weekly job-search checklist.

Pearl Planning is not affiliated with and does not endorse the opinions or services of Brooke Kent or Brooke Writes It. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, financial advisor, RJFS will be sharing some of her favorite clips from episodes in season 2. Together with Pearl Planning founder and podcast co- host Melissa Joy, CFP® , this season has explored topics from budgeting and improving your net worth to work-life happiness and college savings. It is our mission to provide bite-sized tips and actionable advice on a weekly basis.

You will learn:

• How often to evaluate your net worth and why it may fluctuate.
• An important element to work-life happiness and how it has evolved over time.
• Why everyone should fill out the FAFSA form when applying to college and how various assets are considered in financial aid.
• How to use budgeting apps and why friction on spending is important.
• What legal tools do attorneys have when it comes to maintaining financial status quo through the divorce process.

Resources:

• Learn more about Tracy Brower PhD and order a copy of The Secrets to Happiness at Work as well as previous book, Bring Work to Life by Bringing Life to Work.
• Learn more about Alexa Kane CFP®
• Read about Anthony Urbani II HERE.
• Follow Jill Carr’s Blog HERE.
• Find out more about budgeting apps like Quapital, Everydollar or MINT.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning and its advisors do not provide legal or tax advice. Please be sure to consult with the appropriate legal or tax professional.

View Details

In this episode Melissa Joy, CFP® and Danika Waddell, CFP®, CSLP® discuss employee planning when your company goes public. Danika focuses on working with women who are in the tech industry, receive equity compensation or are small business owners, typically in the early to mid-career stages. In this episode Danika uses her experience specific to equity compensation to cover the ways in which an employee can financially prepare for their company to go public. 

You will learn:

·       What is the process for an IPO?

·       What are some financial considerations in this process?

·       What is a vesting schedule ?

·       How can a professional like a financial planner help?

Resources:

Find out more about Danika Waddell, CFP®, CSLP® HERE.

Follow Danika on Twitter or LinkedIn.

Read a Blog on preparing employees for an IPO.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

View Details

In this episode, Melissa Fradenburg is joined by Alexa Kane, CFP®, Financial Advisor with Pearl Planning, to discuss ways to improve your net worth.

We will discuss:

· What is Net Worth and how do you calculate it?

· How incremental increases in retirement contributions can really increase assets over time.

· Why paying down debt on the liability side makes sense.

· How refinancing can improve your balance sheet.

· How market performance can hurt or help your net worth.

· It is important to focus on improving your net worth vs comparing it to others net worth.

Additional Resources:

· Find out more about Alexa Kane, CFP®HERE.

· Read Alexa’s Blog,Is It the Right Time to Refinance?

· Find out about refinancing options and calculators HERE.

· Debt repayment Calculator.

· Read more on how to calculate yourNet Worth.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg financial advisor, RJFS covers common financial questions that come up in the divorce process with family law attorney, Anthony Urbani II J.D. and Realtor, Jennifer Adlhoch, Esq. Divorce is an emotional process in which many important financial decisions need to be made. These decisions can have lasting impact on an individuals’ financial health and ability to build wealth well after the divorce is finalized. Through years of experience helping clients navigate both the legal and the home buying/selling process, our guests will cover some of the common mistakes as well as key financial aspects you should consider in divorce.

You will learn:

· What legal tools do attorneys have when it comes to finances when it is suspected one party is hiding assets in divorce.

· The three elements of “equity” when it comes to division of assets in divorce.

· Why you should have market analysis done on the marital home before deciding on selling or staying in the house in a divorce.

· Why you should not ignore the section of your degree that addressing the QDRO process.

· What factors should you consider when it comes to keeping or selling the marital home?

· What steps you need to take after the divorce decree is final with a Qualified Domestic Relations Order (QDRO).

· Are you eligible for financial support from your spouse during the divorce process?

Resources:

Read about Anthony Urbani II HERE.

Find out more about Urbani & Marshall, P.C.

Connect with Jennifer Adlhoch on LinkedIn or athttps://www.adlhoch.com/agents.htm.

Register for Webinar on Financial Considerations in Divorce HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning and its advisors do not provide legal advice. Please be sure to consult with the appropriate legal professional with regards to your situation.

View Details

In this episode Melissa Joy, CFP® and Anna N'Jie-Konte, MBA, CFP® talk about the importance of financial planning for entrepreneurs. Anna is the founder of Dare to Dream Financial Planning , and specializes in working with high-earning women and entrepreneurs of color, who want to build generational wealth.

You will learn:

· How to give yourself permission to pay yourself as a business owner.

· Why it is important to know the appropriate amount of cash value in the business to put on your personal balance sheet?

· Why you need to view your business as an asset not just something you’re “doing.”

· How often you should have a business evaluation done.

· Understanding your business structure and how to pay yourself.

Resources:

Find out more about Dare to Dream Financial Planning.

Get a copy of Anna’s Entrepreneurs Guide to Financial Management.

Follow Anna on LinkedIn, Instagram, or Twitter.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, Financial Advisor, RJFS and Karen Dybis discuss creating a budget. Karen is a published author, journalist, and self-proclaimed finance nerd. Her passion for budgeting and experience as a retail reporter make Karen the perfect guest to discuss how to create a budget. She has found ways to celebrate success along the way and create friction on her savings to make budgeting more fun and easier to stick to over time. If you want to get spending under control but have not had success in the past, this is a must listen episode.

You will learn:

· How to create individual sinking funds.

· How to get into the budget mindset if it doesn't come naturally.

· The importance of giving your money a little friction.

· The best apps to help reach your savings goals.

Resources:

· Find out more about Quapital.

· Apps like Everydollar or MINT

· 50-30-20 method

· YNAB list of financial goals

· Order a copy of Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want by Rachel Cruze.

· Dave Ramsey’s 7 Baby Steps.

· Follow Frugal WoodsHERE.

· Learn more about Karen’s work on her website.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, Financial Advisor, RJFS, and Shana Sine Cameron, Realtor® with Sine & Monaghan Realtors Real Living, discuss the current fast paced sellers-market and how you can increase the probability of having your offer accepted in a market where bidding wars have become common place. Shana Sine Cameron has over 25 years of experience in the Real Estate business, is consistently a top producer in the Grosse Pointe area and was awarded HOUR Detroit’s Top 5% of Realtor® for 2020-2021. She knows a home sale is one of the most important financial transactions people make.

You will learn:

· How did we end up in this current sellers-market?

· How an escalation clause in an offer works.

· Why an appraisal guarantee can help improve your chances of an accepted offer in this competitive market.

· Why you might not want to waive the home inspection.

· How do you know what items you can compromise on when it comes to your wish list?

Resources:

Find out more about Shana Sine Cameron.

Follow Shana onInstagram.

Watch the Holderness family video on the current marketHERE.

Read more about anEscalation Clause.

Read about Shana in Hour Detroit.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, Financial Advisor, RJFS, and Joe Tiberi, licensed, multi-line insurance agent and owner of The Tiberi Agency in Ann Arbor, MI discuss the recent water damage issues and some common questions with coverage and filing claims.

You will learn:

• Most basic homeowners policies do not cover flood damage.
• What is the difference between flood insurance and drain backup coverage?
• How to tell which type of water damage you can claim.
• Going forward what coverage might you want to consider?
• What you can expect if FEMA steps in to help.

Resources:

Read more about Joe TiberiandThe Tiberi Agency

Tips to prepare for flooding and Severe Weather fromMichigan Department of Insurance and Financial Services.

National Archives: Emergency Salvage of Flood Damaged Family Papers

FEMA: Salvaging Water-damaged Family Valuables and Heirlooms

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® and Maya Philipson, Co-Founder of Adasina Social Capital, discuss an investing strategy intended to organize investors to stop giving their dollars to companies that exacerbate racial, gender, economic and climate inequities. Maya and her partner, Rachel Robasciotti, launched Adasina Social Capital as a company dedicated to serving as a bridge between social justice movements and financial markets in 2020. Listen to this episode to find out about his unique investment screening process and what this could mean for our industry.

You will learn:

· How a community screening model works.

· What the process for looking at companies and their impact on communities means for investors.

· How partnerships with social justice organizations that represent communities most impacted by systemic inequities can help identify investment opportunities.

· How environmental issues and racial inequities are related.

How we Resources:

Find out more about Adasina Social Capital.

Press on launch of Adasina Social Capital.

Connect on LinkedIn, Twitter, and Facebook.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® and Dr. Tracy Brower PhD. discuss the secrets to happiness at work. Dr. Tracy Brower is a PhD sociologist studying work-life fulfillment and happiness. She is the author of a new book, The Secrets to Happiness at Work as well as her previous book, Bring Work to Life by Bringing Life to Work. She is a principal with Steelcase’s Applied Research + Consulting group and a contributor to Forbes.com and Fast Company. Tracy is an award-winning speaker and has over 25 years of experience working with global clients to achieve business results.

You will learn:

· How we choose to create happiness in our work life through the ups and downs.

· How do we frame our thinking toward joy?

· The importance of gratitude in our daily lives.

· Why the idea of having to make all the right choices in-order to be happy is a myth.

· What is happiness inflation?

· The importance of your “why” and “what is important to you?” when it comes to work.

Resources:

Find out more about Dr. Tracy Brower, PhD. HERE.

Follow Dr. Tracy Brower, PhD. LinkedInor Twitter

Order a copy of The Secrets to Happiness at Work as well as Tracy’s previous book, Bring Work to Life by Bringing Life to Work.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Joy, CFP® is joined by Marina Hernández, EA, CFP®, CEPA™, a US/Swiss Crossborder Wealth, Tax & Value Advisor and fee-only wealth and tax advisor for families with US and Swiss ties through Dynamic Wealth Advisors. Marina also runs The Crossborder Academy and The Crossborder Planner as public benefit initiatives providing educational tax planning resources for US immigrants and expats. In this episode Marina and Melissa discuss the complex financial issues expat families must consider.

You will learn:

• Do I still need to file taxes in the US if I move abroad for work?
• The US practices citizenship-based taxation.
• How are retirement accounts opened overseas handled here in the US?
• What type of assistance do corporations offer for tax preparation?
• What is the difference between foreign tax credits and foreign income exclusion?

Resources:

• Find out more about Swiss American Wealth Advisors.
• Learn how to connect with Marina Hernandez.
• Read additional information for expats in Marina’s BLOG.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Fradenburg is joined by Alexa Kane, CFP®, Financial Advisor with Pearl Planning, to discuss life insurance basics. Life insurance helps provide some financial protection while you are building wealth, but often people are under-insured and unsure how to protect themselves. We try to simplify the terms and answer some of the common questions in this informative episode. 

We will discuss:

·       Who needs life insurance?

·       What is the most affordable life insurance option?

·       How much life insurance coverage do I need? 

·       If I have coverage through work is that enough?

·       What is the process to get life insurance? 

Additional Resources:

·       More information on Term Life Insurance.

·       Find out more about Alexa Kane, CFP®HERE.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Jill Carr, CFP®, CPA, Financial Advisor at Stephens Wealth Management, discuss ways to save for your children’s college education. In addition to her experience as a financial advisor, Jill is a Certified Public Accountant, previously worked for the IRS, and is currently saving for her two children's college education. They talk about the advantages of one option over the others and debunk some of the myths they hear about college savings vehicles. If you have not started to save yet—do not panic. Listen to this episode and make a plan.

You will learn:

· What type of accounts can be used to cover college costs?

· Should I fill out a FAFSA form even if I have money saved?

· What are my options with 529 savings if my child gets a scholarship?

· Do I need to use the state 529 plan for the state that I live in?

· Can I use a Roth IRA to save for my child’s education?

Resources:

Follow Jill’s Journal HERE.

Compare various529 plans.

JPMorgan college planning essentials.

Options for Michigan residents HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning does not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover education costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. The tax implications can vary significantly from state to state.

View Details

In this episode Melissa Joy, CFP® and Perth Tolle discuss freedom-centric investing and why looking at investing through a humanitarian lens can impact returns. Perth is the founder of The Life + Liberty Freedom 100 Emerging Markets Index, which is a freedom-weighted EM equity strategy that uses personal and economic freedom metrics as primary factors in the investment selection process. Born in Beijing and having moved to the United States at age 9, Perth was inspired by the stark disparity between how she grew up and her experience traveling in China later in life. Listen to this episode to find out how this inspiration as well as the demands of being a single mother, lead to the creation of Life + Liberty Freedom 100 Emerging Markets Index.

You will learn:

· What is freedom-centric investing?

· Which countries are the most “free”?

· What quantitative date is used to determine freedom?

· Why investing in countries that value humanitarian rights makes sense.

Resources:

Find out more about Perth Tolle HERE.

Read more on freedom-centric Investing HERE.

impactinvesting #ESG #freedominvesting

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Utilizing an ESG investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations. Sustainable/Socially Responsible Investing (SRI) considers qualitative environmental, social and corporate governance, also known as ESG criteria, which may be subjective in nature. There are additional risks associated with Sustainable/Socially Responsible Investing (SRI), including limited diversification and the potential for increased volatility.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Erica Galvan, LMSW, discuss the unique challenges mothers face when it comes to allocating time and financial resources. Erica has a bachelor’s degree in Psychology and a master’s degree in social work from the University of Michigan and is the owner of Bloom Wellness Counseling, LLC. In this episode, Erica uses both her professional expertise in maternal mental health and her personal experience as both a stay-at-home and a working mother of 3 young children to provide valuable perspective on the financial issues specific to motherhood.

You will learn:

· Why it is important to put systems in place to help reduce the load of the invisible work of motherhood.

· Why we need to believe we deserve time or spending money regardless of outside the home employment hours or income.

· Treat self-care as an investment in yourself as a mother.

· How to recognize financial abuse by a spouse or partner.

· How stepping back from your career or passing up promotions for motherhood affects retirement savings and earning ability over time.

Resources:

Find out more about Erica’s Services HERE.

Follow on Instagram @Bloom.well.mama

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Amalia Miralrio, LCSW, LMSW discuss knowing your worth both in relationships and after a relationship has ended. Issues of self-worth can be sneaky and do not necessarily have anything to do with money. While Melissa helps people to understand the financial numbers in a split, Amalia focuses on helping people know their emotional worth. When things do not turn out the way we envisioned, whether a relationship or a career, there is normal grief of what we thought life would be like. Listen to this episode to figure out how to unpack these emotions and move forward knowing your worth.

You will learn:

• How do the problems that might bring you to therapy show up in your daily life?
• Therapy is not so much about a diagnosis but more about learning how to process feelings that you are having.
• Worth in a relationship does not have to do with how much you earn.
• What is ambiguous grief?

Resources:

Find out more about Amalia’s Services and Amity Counseling Detroit.

Follow Breakup Therapist Detroiton Instagram.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

If you are seeking financial planning advice this episode is for you! There are many financial advisors to choose from, but they do not all deliver advice or do business the same way. And if you have never worked with an advisor before, it might be even more challenging to know what to look for. While licenses, experience, and cost structure are important, fit is just as key. Melissa Joy, CFP®, CDFA®, President of Pearl Planning, and Sarah Boston, Financial Advisor of Bookends Financial Planning join us in this episode to highlight some of the most relevant questions and considerations when seeking a financial advisor. There is a lot more to consider beyond investment strategy and potential returns, so take a listen!

We will discuss:

· Will this advisor make decision-making easier and less confusing?

· Will this advisor be communicating with me proactively?

· Do I like this person or am I going to dread having to call and meet with them?

Additional Resources:

Listen to Karen’s podcast FRESH OFF THE VINE.

Find out more about Karen Coyne HERE.

Find out more about Sarah Boston HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss financial life planning. Have you ever thought about if you had all the money you needed to live a satisfying life, how would you spend it? Dan is a retired CFP®, with over 35 years of industry experience, who now helps people look for things that will make their life more meaningful beyond the financial planning process. Melissa and Dan discuss how getting deeper on how to live better lives can elevate the financial planning process.

You will learn:

• What is the process of financial life planning?
• How to uncover what is really important to make your life more meaningful.
• The three questions to ask yourself to really uncover what is essential in your life and what is not?
• If you found out you have 24 hours to live what would you regret not having done in your life?
• How do we optimize areas of time, energy, and talent throughout our lifetime?

Resources:

· Find out more about Dan Boyce HERE.

· Order a copy ofThe Financial Wisdom of Ebenezer Scrooge

· Order a copy ofSeven Stages of Money Maturity

· Find out more aboutThe Kinder Institute of Life Planning

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Joy, CFP®, and Jennifer Lawrence discuss the basics of prenuptial agreements. Jennifer is a family law attorney specializing in divorce, custody, estate planning, and prenuptial agreements. If you and your significant other are considering having one drafted or you are just curious about the process, this is a must-listen episode.

You will learn:

• Who should have a prenuptial agreement drafted and why?
• Why it is important that both parties have legal representation in the process.
• How soon before the wedding should you start the legal process?
• Can you sign a prenuptial after you are legally married?
• In what circumstances are prenuptial agreements not honored in a divorce?

Resources:

Find out more about Jennifer Lawrence PLLC HERE.

Read theAllard vs Allard, no 308194case.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

View Details

In this episode Melissa Joy, CFP®, and Cathy Curtis, CFP® discuss the common mistakes they see clients make when it comes to receiving an inheritance. Cathy is the founder of Curtis Financial Planning, a fee-only financial advisory firm dedicated to addressing the financial planning and wealth management needs of independent women. Through their combined experience, Melissa and Cathy share some ideas to prepare for inheritance and handle this potentially life-changing transfer of wealth.

You will learn:

· Why it is important to process your feelings about the inheritance before taking action.

· How making a list of things/experiences you want to buy will help you not to overspend.

· Understanding the technical aspects of how to title the assets and plan for taxation.

· Why it is important to have a financial plan as this windfall may be just what you needed to fund your retirement.

Resources:

Find out more about Cathy Curtis HERE.

Download Cathy’s Essential Sudden Wealth Checklist.

Read Cathy’s Blog Emotionally Charged Money: Inheritance.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of Pearl Planning, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

View Details

In this episode, Melissa Fradenburg and Sarah Jelinek share tips to reach your fitness and financial goals. They discuss the similarities of the best practices to break habits that are not serving you.  Sarah is a Certified Personal Trainer and fitness nutrition specialist, with a Master of Science in Kinesiology and concentration in sports conditioning. She helps her clients tap into their potential and become excited about fitness. 

You will learn:

·       How adding in several positive habits vs eliminating all bad habits leads to success.

·       Why setting small, more attainable goals at first helps you reach larger goals.

·       How often should you get on the scale? 

·       The similarities between financial and physical fitness.

Resources:

Learn more about Sarah Jelinek and Inner Athlete Fitness. 

Read Sarah’s blog How to Measure your Fitness.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

View Details

In this episode, Melissa Joy, CFP®, and Lindsay Bryan-Podvin discuss the societal and cultural stigma surrounding money conversations and how to change that mindset. Lindsay Bryan-Podvin is a social worker-turned-financial therapist, author, and speaker. Her financial therapy practice helps people get their minds and money in balance to reach their financial goals.

You will learn:

· How our culture reinforces our fear about money discussions.

· When you feel overwhelmed by your finances how do you breakthrough?

· Why acknowledging how our experiences and our childhood shape our thoughts on money can help change our money mindset.

· How to breakdown the barriers that are preventing you from reaching your financial goals.

· Shame vs guilt when it comes to money.

Resources:

Find out more about Lindsay Bryan-Podvin HERE.

Order a copy of The Financial Anxiety Solution, a self-paced workbook.

Read an article, Money and Community: Empowering Women Business Owners, by Lindsay Bryan-Podvin.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Fradenburg and Nathan Steiner, NMLS #771054, discuss what options you have available when it comes to mortgages in the divorce process. Whether you want to stay in the marital home or qualify to purchase a home on your own, this is a must-listen for those considering divorce. Nathan has over 20 years of lending experience and understands the unique challenges those facing divorce can experience when it comes to home financing. 

You will learn:

·       Do you have to refi one spouse off the mortgage after the divorce?

·       Can you qualify for a mortgage based on Alimony?

·       What happens if only one spouse is on the note?

·       Can you use a separation agreement vs the final divorce decree to cancel the debt from the marital home?

·       What if I get a lump sum divorce settlement vs alimony?

Resources:

Find out more about Nathan HERE.

Divorce Financial Planning RESOURCES.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Episode 55: ESG Investing with Kalita Blessing

In this episode Melissa Joy, CFP®, and Kalita Blessing, CFP® discuss environmental, social, and governance (ESG) investing. Kalita is a Wealth Manager with Quest Capital Management and a Chartered SRI Counselor, which is an investment advisor focusing on sustainable, responsible, and impact investing strategies.

You will learn:

· What is ESG Investing?

· Common myths surrounded ESG investing.

· How are some ways to implement ESG investing into your portfolio?

· What criteria are considered to generate competitive financial returns, while also having a positive societal impact?

Resources:

Find out more about Kalita Blessing HERE.

Read more on ESG Investing HERE.

impactinvesting #ESG #financialplanning

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Utilizing an ESG investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Chris Cooper, owner of Zeppelin Cleaning Services, discuss what it takes to be a business owner. Chris started his commercial cleaning business 13 years ago, out of the trunk of his car, and now it is the fastest-growing commercial cleaning company in Southeast Michigan. He shares his thoughts on getting a business off the ground and highlights qualities that help a business owner to be successful.

We will discuss:

· Why company culture is so important.

· Why 80% of businesses fail in the first year.

· No matter what business you plan to start, it is about people.

· How to get people on board with your vision.

· Why now is a great time to start a business.

Resources:

Order a copy of E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It,by Michael E. Gerber.

Find out more about Zeppelin Cleaning Services HERE.

Connect with Chris Cooper on LinkedIn.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor, RJFS, celebrate the 500th download of their podcast and highlight some of their favorite moments. They talk about episodes coming in 2021 as well as share clips from the most popular episodes in the first year of podcasting together.

We will discuss:

· The concept of #52 Pearls and why they decided to do a weekly podcast.

· What was the most fun to record episode?

· Which episodes were the most downloaded?

Resources:

Follow the 52 Pearls: Weekly Money Wisdom Podcast on Spotify.

Find out more about Pearl Planning HERE.

Episode 16: Closing the Racial and Gender Wealth Gap with Renee Baker.

Episode 22: Financial Considerations for Women in Divorce with Heather Bendure.

Episode 39: Attributes of Wealthy People with Sarah Boston and Karen Coyne.

Episode 40:Holiday Spending with Karen Dybis.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Fradenburg, Financial Advisor, RJFS and Jamie Wilkerson Majni CPA, discuss the common tax issues and considerations in divorce. With over 20 years of experience as a CPA and experience going through her own divorce, Jamie knows there are a lot of financial changes through the process. While it can be daunting to face these changes, especially if you were not the one filing taxes in your marriage, our goal in this episode is to break down the main issues you should address if going through or recently divorced.

We will discuss:

· How to determine your filing status?

· When do you get to claim children as dependants?

· You might be eligible for COVID-19 stimulus money even if you did not receive it in 2020.

· Retirement assets may be worth more than other assets divided in divorce.

· How is spousal support taxed?

Resources:

Find out more about Jamie HERE.

Read Pearl Planning’s BLOG on 2020 taxes.

Resource guide on 2020/21 tax information.

Find out how Pearl Planning can help in the divorce processHERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

View Details

In this episode, Melissa Joy, CFP®, and Dr. David Rhoiney discuss how to overcome barriers to building wealth and get financial advice to those who need it the most. David is a General Surgeon, a graduate of the United States Naval Academy, and a former two-sport NCAA athlete. He is also a person who has overcome incredible barriers and learned valuable tools to building wealth.

We will discuss:

· Why the first step is always knowing where your money is going every month.

· When you start out with less you need to be willing to take risk to catch up.

· Why maximizing your income by aligning your skillsets with a higher paying career is a game-changer?

· How we can fix the financial industry to offer advice to those who need it most.

Resources:

· Follow David on Twitter.

· Find out more about David and read his Blog.

· Order a copy of One Up on Wall Street: How to Use What you Already Know to Make Money in the Marketby Peter Lynch.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Joy, CFP®, and Julia Carreon, CFP®, discuss why the generation after millennials is set for an imminent demographic transformation. Julia is a managing director at Wells Fargo, with twenty-five years of financial service professional experience and a long track record of ideating and implementing technological innovation. 

We will discuss:

·       Why the next 10 years will be the largest turnover of generations by the numbers and what that means for wealth management. 

·       How COVID has accelerated the technological advancements that would be needed for the future generation of wealth.

·       What to expect as millennials begin to turn 40 and Gen Z drives consumer spending.

Resources:

Follow Julia on Twitter.

Read her LinkedIn Blogon Generation Z.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Joy, CFP®, and Stuart Ritter, CFP®, discuss why it’s important to take a holistic approach to retirement planning and the need to look beyond just the financial aspect. Stuart shares insights drawn from actual retiree behaviors through his research and shares tips on how to visualize retirement. Melissa and Stuart agree that while it’s important to be financially prepared for retirement, retirees are often not prepared for the lifestyle and emotional changes that retirement brings.

We will discuss:

• What are the 5 W’s of retirement?
• Why you need to think about who you want to spend time with, in retirement.
• Why it is important to think about what activities are going to replace work.
• How envisioning your day-to-day in retirement is a key element to a successful retirement.

Resources:

Find out more about Stuart Ritter HERE.

Link to the Visualize Retirement WORKBOOK.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP®, and Nate Astle, M.S., discuss how financial therapy offers a way to better understand how people think, feel, and behave differently with money. Financial therapy is a process informed by both therapeutic and financial competencies that helps people think, feel, and behave differently with money to improve overall well-being through evidence-based practices and interventions.

We will discuss:

• How COVID has left many people stressed and uncertain about their financial future.
• Why trauma can lead to poor decision making.
• What are the differences between therapy and financial therapy?
• How can financial therapy help you with your financial plan?

Resources:

Find out more about Nate HERE.

Read about the field of Financial Therapy.

Order a copy of The Body Keeps the Score: Brain, Mind, and Body in the Healing of Trauma.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® and Cherisa Allen, discuss why we often look to what others have, as a way to benchmark our own success.  Cherisa is a social worker, transformational life coach, and empowerment speaker who believes this tendency of comparison is causing many people to fail. The idea of focusing on your own financial goals, and how to get there through authenticity, is a very timely topic for the new year. 

You will learn:

• What is your relationship with money?
• Why using others as a financial benchmark is a losing game.
• How to put your blinders on and focus on your path to success.
• Why being your authentic self is so important?

Resources:

Find out more about Cherisa HERE.

How to set goals in this BLOG.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® and Rachel Elson, Wealth Advisor at Perigon Wealth Management, discuss equity compensation. Rachel was a longtime personal finance journalist and former Editor-in-chief for Financial Planning Magazine before entering private practice. Rachel and Melissa talk about ways you can be compensated outside of your salary and what that means for you.

You will learn:

·       What percent of your portfolio is safe to have in company stock?

·       What are the tax implications of selling company stock?

·       When you consider moving companies how do you value future vesting options?

Resources:

Find out more about Rachel HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Episode 45: Legal Documents for Families with Kids with Ashley Waddel-Tingstad

In this episode Melissa Joy, CFP® and Ashley Waddel-Tingstad, the founder of Treetown Law, PLLC, discuss important legal documents every family should have. As a seasoned attorney, mother, and someone who has experienced sudden loss, Ashley brings a human approach to estate planning for families.

You will learn:

· Why do you need to have a designated guardian document in place?

· Think of estate planning as a process that can be created overtime.

· What happens if both parents pass and there are no legal documents in place?

· What does a living trust do?

· Why you might want to have a temporary emergency guardian in place.

Resources:

Find out more about Ashley HERE.

Order a Minors Matter Wallet Card.

List of all the documents that make up and Estate Plan.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® and Casey Snyder, CFP® discuss how you can develop your lifestyle in a safe and healthy way.  Casey, a Wealth Manager with the Sedoric Group, believes people should focus on the components of financial success that can be managed, rather than the variables beyond our control. 

You will learn:

·       How it makes sense to take calculated risks that you have prepared for vs making risky money moves. 

·       Why maintaining a conservative balance sheet can help you dream big in the long run?

·       What is the difference between lifestyle adjustment and lifestyle creep?

·       Why it is important to run financial decisions by a fiduciary and take the emotional aspect out of it.

·       How to stress test the worst-case scenario when making decisions.

Resources:

Find out more about Casey HERE.

Save like a pessimist, invest like an optimist BLOG.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® speaks with Kathy Longo, CFP®, CAP®, CDFA®, founder of Flourish Wealth Management on the topic of understanding emotions in financial decisions. Many of the decisions we make surrounding money come from a place of emotion, so it is important to acknowledge those emotions and know your money story. 

You will learn:

·       Are you making money decisions from a place of fear?

·       What are the 4 stages of transitions?

·       How to focus on what you can control when it comes to money.

·       Lay out task in terms of Now, Soon, and Later.      

Resources:

Find out more about Kathy HERE.

Listen to the Flourish Financially Podcast.

Order Kathy’s book Flourish Financially.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg is joined by Alexa Kane, CFP®, to discuss year-end tax and financial planning steps, specifically for 2020. It has been a crazy year for many, but you still have time to get organized and stay-on-track for your financial goals.

We will discuss:

· Have your goals or circumstances changed & does this change your investment strategy?

· Do you have any unrealized tax losses that it would be appropriate to realize?

· Review tax circumstances – does it make sense to do a Roth conversion?

· How have charitable deductions in 2020 changed with the CARES act?

· Have you been putting off getting a will, trust, power of attorney or healthcare directive?

Additional Resources:

· Find out more about Alexa Kane, CFP®HERE.

· Watch our 2020 Year-end Tax and Financial Planning WebinarREPLAY.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. You should discuss tax or legal matters with the appropriate professional. Content provided herein is based on our interpretation of the Care Act Stimulus and is not intended to be legal advice or provide a tax opinion.

Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.

View Details

Episode 40: Holiday Spending with Karen Dybis

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Karen Dybis discuss holiday spending. Karen is a published author, journalist, and self-proclaimed finance nerd. Her passion for budgeting and experience as a retail reporter makes her the perfect guest to discuss holiday spending.

You will learn:

· How to use Quapital to create individual sinking funds.

· Be realistic and honest with your overall spending number for the holiday season.

· Why it’s important to work with your children on a wish list and set expectations.

· Include things like décor, food, and festive outfits in your overall budget.

Resources:

· Find out more about Quapital.

· Read Karen’s take on the 2020 holiday shopping season HERE.

· Learn more about Karen’s work on her website.

· Add Karen’s book, The Witch of Delray, to your holiday shopping list.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® is joined by Sarah Boston, CFP®, and Karen Coyne, CFP® to discuss the common attributes of their wealthy clients. With over 50 years of combined experience helping clients build wealth, these three advisors have noted what actions or behaviors have helped their most successful clients.

We will discuss:

·       What does it mean to be “In action”?

·       The ability to delay gratification with big purchase items.

·       Why not comparing yourself with others can help you build wealth.

·       How to use your Financial Advisor as a sounding board.

Additional Resources:

Listen to Karen’s podcast FRESH OFF THE VINE.

Find out more about Karen Coyne HERE.

Find out more about Sarah Boston HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Fradenburg, Financial Advisor, RJFS, is joined by Realtor, Jennifer Adlhoch to discuss how to get your home ready to sell. In this episode, Melissa and Jennifer will discuss the things home buyers are looking for in the current COVID market as well as the things you can do to increase the value of your home and make it more appealing to potential buyers.

You will learn:

·       What buyers are looking for in the COVID market.

·       How to get your home ready for a showing.

·       Why less is more.

·       Inexpensive ways to add curb appeal.

Resources:

Find out more about William Adlhoch and Associates

Contact Jennifer Adlhoch for a FREE home evaluation 

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® is joined by Laura Webb, CFP®, and President of Webb Investment Services, to discuss the ins and outs of networking.  We are so pleased to have the networking expertise Laura brings with 36 years in the financial services industry and as the creator of WomanUp, an initiative supporting women in business.

We will discuss:

·       Why networking is a financial discussion.

·       Why you need a career network and a resource network.

·       How to lead with the intention of getting to know other people. 

·       Why you need to have a ‘giver mentality’ and be a connector for others. 

Additional Resources:

Listen to Laura’s podcast Her two Cents.

Find out more about Laura Webb HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® speaks with Stephanie Vaught, Financial Coach and founder of Social Money Finance. Melissa and Stephanie discuss experiences working with and specific financial challenges the generation born between 1965-1982 face. 

We will Discuss:

·       Handling the ‘What ifs’ and being prepared for a plan B.

·       The importance of having vulnerability with your financial coach or financial planner.

·       What are the facts-What am I earning NOW?

·       Articulating what you want to achieve.

·       Make sure you are setting YOUR goals-not other people’s goals.

Resources:

·       Find out more about the 30 day Money Challenge  Social Money Finance. 

·       Follow Stephanie Vaught on Linkedin. 

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Joy sits down with two academic investment researchers, Dr. Tommi Johnsen and Dr. Elisabetta Basilico to discuss academic research for women investors. Drs. Johnsen and Basilico are the authors of Smart(er) Investing which sorts through investing research to find trends and translations for investors. One of their chapters focuses on the dearth of women investors.

In this discussion we discuss:

· What percent of portfolio managers are women? HINT: very few

· What does the research say about the attributes of women investors and their success?

· How can we change the ratio?

Resources:

· You can learn more about Tommi and Elisabetta on their WEBSITE.

· Order your copy of Smart(er) Investing: How Academic Insights Propel the Savvy Investor HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® speaks with Stacy Miller, CFP®, Vice President, and Wealth Advisor of Bright Investments LLC. Stacy shares her tips on talking with young adults about money concepts as well as shares her personal experiences with her two college-aged sons.

·       How to send your college freshman off to school with a credit card.

·       Teaching two ways to approach the concept of living within your means.

·       Why a HIPAA release form is important for your college student.

·       What insurance needs should you consider for your college student? 

·       How identity theft effects young adults and how to prevent it. 

·       Scholarship money counts as earned income for the purpose of a ROTH IRA. 

Resources:

·       Find out more about Stacy Miller HERE.

·       Listen to Melissa Joy and Melissa Fradenburg discuss What I wish I knew in My 20’s. 

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Fradenburg, Financial Advisor, RJFS, is joined by estate planning attorney Laura Brownfield. Laura works in the structuring of giving vehicles and gifting policies and procedures in her role at the community foundation for Southeast Michigan. In this episode, Melissa and Laura will discuss the different options for charitable giving with a special focus on recently implemented tax laws under the CARES Act as well as potential post-election tax law changes.

You will learn:

· How do Donor Advised funds work?

· How charitable deductions for 2020 have changed under the CARES Act.

· Will the Secure Act change your charitable giving options?

· Estate tax exemptions sunsetting in 2025.

· How to reduce capital gains tax liability through charitable giving.

Resources:

Find out more about the Community Foundation for Southeast Michigan.

Read a blog on Donor Advised Funds.

Set up a consultation with Pearl Planning.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS, discuss some key options available during open enrollment. We will discuss why a high deductible healthcare option might make sense as well as explain benefits like disability and deferred compensation options that might be available through your employer.

You will learn:

·      How HSA’s and Flexible Spending accounts are different.

·      Why it is important to evaluate how much is going into your retirement plan.

·      How much disability insurance coverage do I need?

·      Should I participate in an employee stock purchase plan?

Resources:

·      Learn more about Pearl Planning. 

·      Check out our resources page HERE. 

View Details

In this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS discuss some of their own money mistakes as well as the evolution of their money mindsets. Where did we learn basic financial skills? Learn from things we regret doing or not doing in our early adult years. 

You will learn:

·      Why you need to build credit but not debt.

·      The evolution from a job to a career.

·      When you start making money what do you do with it?

·      How does your money mindset change over time?

Resources:

• Listen to our previous episode on Student Loan Strategies.
• Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan.
• Download a copy of our Guided Pearls: Your 2020 Financial Action Plan.

View Details

In this episode, Melissa Joy, CFP®, and Joanne Giardini- Russell, founder of Giardini Medicare will discuss planning strategies that help to meet the needs of aging retirees.  While many costs go down in retirement, health care continues to creep up occupying substantial financial resources as well as time. Learn about all things Medicare and how to navigate options and enrollment. 

You will learn:

·       Do you NEED to sign up for Medicare

·       HOW to sign up for Medicare

·       What supplement options are available

Resources:

Watch videos on your Medicare OPTIONS. 

Additional Financial Planning resources HERE.

Find out more about Giardini Medicare HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

View Details

In this episode, Melissa Joy, CFP®, and Catalina Kaiyoorawongs, cofounder of LoanSense and student loan expert, discuss options to manage student loans and how borrowers can access the millions in federal student loan relief funds to get out of student debt. 

You will learn:

·       Why loan refinancing may not be optimal in your situation.

·       How pay as you earn options can substantially reduce payments.

·       What criteria can change eligibility for student loan forgiveness.

·       How to navigate student loan strategy around the CARES Act.

Resources:

Student loan forgiveness GUIDE

Find out more about LoanSense

Government Database on loan forgiveness for teachers HERE. 

Raymond James is not affiliated with and does not endorse the opinions or services of LoanSense. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Episode 28: Five financial Things to do Before Year-End

In this episode Melissa Joy, CFP® and Melissa Fradenburg discuss the five things to consider with regards to your finances before year-end. While markets have been resilient, the current environment of a global pandemic, an economic recession and a divisive political environment may have you feeling paralyzed. In this episode we discuss some ideas to keep your financial house in order when everything else seems uncertain.

You will learn:

·       Budgeting for the “new normal.” 

·       Why refinancing debt might make sense.

·       Update your retirement snapshot.

·       How to get your estate planning documents in order.

Resources:

Read our blog on The Five Financial Things to Do Before Year End. 

Look at the technology we use to determine retirement readiness HERE. 

*While we are familiar with the legal and tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

View Details

Episode 27: Owning Your Money Story with Eugene George

In this episode Melissa Joy, CFP® speaks with Eugene George on the topic of owning your money story and how to incorporate that story into your financial wellness plan. Eugenie is a financial coach, Certified Financial Educator, and author of the book Our Money Stories. She has and unique approach of viewing money patterns and interviewing women of all races to understand financial wellness and shape critical conversations around race and equality.

You will learn:

· Why the comparison trap can trigger shame

· How to find your financial BFF

· How your family history shapes your personal money story

Resources:

Find out more about Eugenie George HERE.

Listen to Nadine Burke Harris TED talk How Childhood Trauma Affects Health Across a Lifetime

Download a free chapter of Our Money Stories HERE.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Fradenburg, Pearl Planning Financial Advisor, and guest Megan Gunnell, LMSW discuss how to pivot your business as well as maintain an abundance mindset during the global pandemic. Megan is the founder of the Thriving Well Institute, Psychotherapist, Speaker, Writer, and International Retreat Leader who most recently launched a successful online coaching program. Her positive attitude and courageous authenticity are infectious in this episode. 

You will learn:

·       You can be brave and afraid at the same time. 

·       We do not win or lose; we win or learn.

·       How to connect your strengths with what skills people want to learn.

·       How to launch an online training course and cultivate an audience.

Resources:

Connect with Megan and find out about her online coaching programs HERE.

Learn more about the Thriving Well Institute. 

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Episode 25: Bridging Wealth and Income Equality with Camille York

In this episode Melissa Joy, CFP® speaks with Camille York, AAMS® CDFA® on the disparity that exists between what black women and non-Hispanic white men earn. Why does this gap exist and how can we create change through salary negotiation skills, knowledge, and advocacy?

You will learn:

·       How to adjust your lens when it comes to income equality

·       Income equality is NOT a zero-sum game 

·       How to “know your worth” and the “art” of negotiation when it comes to salary

·       Leverage your network to advance your career

Resources:

·       Learn more about Camille York HERE.

·       Check out salaries in your industry.

·       How much should you ask for in a raise?

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Episode 24: Financial Decisions for Young High Earners with Asad Gorani

In this episode Melissa Joy, CFP® speaks with Asad Gorani, CFP®, founder and CEO of AG Wealth Management on the topic of HENRYS and what specific financial decisions they face. The term HENRY stands for High Earner Not Rich Yet and in this podcast we will look at some of the key opportunities as well as challenges this group faces while building wealth.

You will learn:

·       Who are HENRY’s?

·       What opportunities do they have?

·       What does the term back door Roth mean?

·       What is Financial Planning Alpha?

Resources:

Find out more about Asad Gorani and AG Wealth HERE. 

Read Asad’s blog on Roth conversions HERE.

Raymond James is not affiliated with and does not endorse the opinions or services of Asad Gorani or AG Wealth. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

In this episode Melissa Joy, CFP® speaks with Hamsa Daher on the topic of leaning into values and purpose in a crisis. Hamsa is the executive director of the Small Giants Community, a designated L3C organization, a hybrid between a for-profit and a nonprofit entity that prioritizes mission and social purpose. 

You will learn:

·       The idea that Small Giants prioritize people over profit. 

·       Some companies exist for a higher purpose 

·       Why vision and values become front and center in times of crisis

Resources:

Find out more about The Small Giants Community HERE.

Learn about Pearl Planning and our company values HERE. 

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Fradenburg, Financial Advisor with Pearl Planning is joined by Heather Bendure, owner of Grosse Pointe Family Law Center. Heather is a divorce lawyer who thinks well-informed clients should decide what is best for them, their children and their families. She offers compassionate guidance to help clients make good decisions. In this episode Melissa and Heather will discuss the common financial mistakes they see their female clients make when it comes to divorce and how to avoid them.

You will learn:

• How are assets generally divided in divorce?

• What can a none-income earning spouse expect?

-What is a QDRO?

Resources:

• Connect with Heather HERE

• Learn more about divorce financial planning HERE

Raymond James is not affiliated with and does not endorse the opinions or services of Heather Bendure or Grosse Pointe Law Center. Raymond James and its advisors do not provide legal advice. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

View Details

Melissa Joy CDFA® is joined by Alisa Peskin-Shepherd, an approved Michigan mediator with nearly 30 years of experience practicing law and specially trained as a family, divorce and custody mediator as well as a collaborative family law attorney. In this episode Melissa and Alisa will discuss the different options couples have when it comes to the divorce process with a special focus on how the collaborative divorce process works.

You will learn:

• Why Collaborative divorce is efficient

• Who makes up the team in a collaborative divorce

• The Step-by-step process of a collaborative divorce

Resources:

Find more information on Alisa Peskin- Shepherd HERE

Read a Blog on collaborative divorce

Raymond James is not affiliated with and does not endorse the opinions or services of Alisa Peskin-Shepherd or Transitions Legal. Raymond James and its advisors do not provide legal advice. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Joy, CFP® is joined by Elnian Gilbert, trainer and keynote speaker for Zing-train, shares Zingerman’s approach to business in visioning. Visioning is a tool that can help clarify what is most important. What success looks like at a particular point in time in the future.

Feeling off balance, knocked off course and disoriented? We certainly are!

In this episode learn how to:

-Better prioritize how to spend your time and other resources

-How to better navigate drastic shifts in how we live, work, and play.

• A way to define the destination

Raymond James is not affiliated with and does not endorse the opinions Elnian Gilbert or Zingerman’s.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Joy, CFP® sits down with Christine Luken a Certified Financial Counselor, The Financial Lifeguard and founder of The Financial Dignity Movement, to talk about the emotional side of money. In this conversation we discuss how to manage the emotional side of money and guide you to a place of certainty with your finances. We can’t take the emotions out of financial decision making but we can understand the process.

The conversation includes:

-The difference between guilt and shame when it comes to money behavior

-How to recover a positive and peaceful relationship with your money

• How to create a personalized prosperity plan to reduce your debt, increase your savings, and direct your spending to what is really important to YOU.

Additional resources:

-You can find Christine’s blog HERE

-Download the first 3 chapters of her book Money is Emotional.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Joy, CFP® sits down with Renée Baker, DBA. Renee is Head of Private Client Group Advisor Inclusion Networks at Raymond James. In her work, Renee leads the Womens Financial Advisor Network, Black Financial Advisor Network, and the new Pride Network for LGBTQUI+ advisors.

In this conversation, we discuss the need for a more diverse financial profession and how that will help with access to financial advice for all people. The conversation includes:

· Statistics on underrepresented advisors including women, black advisors and advisors of color.

· What is the wealth gap and how can we close it?

· How to be an ally and sponsor and take action to change the status of wealth access in our country.

Here are some additional resources that can help you learn more about the wealth gap and how we can change our profession. Read on and learn more here:

· The Memo by Minda Harts: http://mindaharts.com/book/

· How Big is the Racial Wealth Gap by Nick Maggiulli, Of Dollars and Cents blog: https://ofdollarsanddata.com/racial-wealth-gap/

· Financial Services Has a Racism Problem by Sonya Driezler of Solutions by Sonya: https://www.solutionswithsonya.com/news/2020/5/27/financial-services-has-a-racism-problem

· 2050 Trailblazer Resource Guide by Rianka R. Dorsainvil, CFP®, sparking change in the financial planning profession: https://www.2050trailblazers.com/resources

· We need to talk…about racism, empathy, George Floyd, and being Black in America, Emlen Miles-Mattingly’s Minority Money podcast: https://t.co/KaKJVebjb7?amp=1

· “It’s past time to advance Black advisors” by Lazetta Rainey Braxton in Financial Planning magazine: https://www.financial-planning.com/opinion/lazetta-braxton-on-advancing-black-financial-advisors

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management practice located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls.  In addition to the podcast, you can follow along on our company Facebook pages Dexter page and Grosse Pointe.

This week we're talking about financial planning.

• What is a financial plan?

• Who should have a financial plan?

• What documents do I need to get started?

Check out our financial planning illustration HERE. --- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the uncharted markets of COVID-19. 

In this episode we will discuss

• Have a plan and stick to it

• Where will income come from in retirement

• Don’t try to predict the market

• Fear vs. Greed

Raymond James is not affiliated with Dan Boyce. All investing involves risk, including the possible loss of principal amount invested. No investment strategy can guarantee your objectives will be met. The indexes mentioned are unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. This material is being provided for informational purposes only and is not a complete description, nor is it a recommendation. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Mortgage Decisions During Divorce with Erica Powers

Melissa Joy is joined by Erica Powers to talk about mortgage decisions during divorce. Erica is a licensed mortgage banker with NMLS #739673 at Level One Bankmember FDIC and an Equal Housing Lender, with locations in southeast Michigan including Ann Arbor and Detroit. She works with clients around the country.

We discuss:

· How do you make a payment fit into your budget when going through a transition or change?

· The value of a relational mortgage banker.

· Why it’s important to establish 6 months of demonstrable income or cash flow for employment, spousal support, etc.

Resources:

· A budget worksheet during divorce from Pearl Planning

· Get in touch with Erica Powers on LinkedIn or Facebook

Raymond James is not affiliated with and does not endorse the opinions or services of Erica Powers Level One Bank. Raymond James Financial Services, Inc. does not provide advice on mortgages. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

How do you adjust college decisions during a pandemic? In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with college selection consultant Amy McVeigh, founder of Smart College Selection.

We’re discussing:

· How college consultants help students and families set expectations, narrow down their college decisions, and make the right selection for college.

· Options for kicking off college decisions for families of rising seniors including adjustments for testing and how to do a virtual campus tour.

· How Amy uses student-directed research to narrow down a college list.

· Journaling for future college students including a great prompt: write a letter to your pre-covid self about this time.

· How a family’s financial commitment may be changing now and how the student plays a role in financial conversations.

Resources that can help you:

Smart College Selection FAQ including coronavirus resources: https://smartcollegeselection.com/faqs-2

Virtual college tours at YouVisit (https://www.youvisit.com/collegesearch/) or Campus Reel (https://www.campusreel.org/)

Locate a reputable consultant with the Higher Educational Consultants Association (https://hecaonline.org/) or Independent Educational Consultants Association (https://www.iecaonline.com/)

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Today’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare.

We cover:

· How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of your local office.

· Decisions that should be made if you’re Medicare-eligible and suddenly unemployed.

· Mistakes to avoid when you are Medicare-eligible and are offered COBRA.

· Changes in income this year and how to appeal your IRMAA charges.

Helpful Resources:

Medicare & COBRA: https://www.gmedicareteam.com/cobra-and-medicare/

Go to SSA.gov to file for Medicare--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Today Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about:

· What does abundance mean for your financial life?

· How gratitude and helping can help you to embrace an abundance mindset in today’s uncertain times.

· Why you should use this time as a breather to plan for what’s next in your money life.

· Dawn suggest you do an assessment of your money life to determine what is meaningful to you in your budget and what isn’t.

For more information on Dawn, visit her websites:

Simple Money: https://simplemoneypro.com/

Dawn’s Book: https://simplemoney.mykajabi.com/simplify-your-financial-life-book--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Grosse Pointe Farms.

This week we're talking about what to do with your 401(K) in these times of COVID-19 and economic uncertainty.

• What are my options with my retirement plan if I recently lost my job?

• What if your job is intact? Consider accelerating contributions or doing more.

• What if you might need money from your retirement account?

• What if you have zombie accounts that you are not reviewing or have left at an old employer?

• Retirement plans are a critical component for retirement planning – make sure they’re linked to your financial plan.

You can find additional resources on our blog What Should I do with my 401K.--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Joy CFP® is joined by Ashby Daniels, CFP®.  Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stages of a Bear Market”. Why when you enter a crisis, you have two choices – acceptance or panic. How to avoid permanent damage to your investment portfolio. Why Ashby wants you to worry less about the next 20% move and more about the next 100% move. Recovery is just as uncertain as crisis.

Ashby and Melissa discuss:

• Ashby’s recent blog “4 Stages  of a Bear Market” https://retirementfieldguide.com/4-stages-of-a-bear-market/.
• Why when you enter a crisis,  you have two choices – acceptance or panic.
• How to avoid permanent damage to your investment portfolio.
• Why Ashby wants you to worry less about the next 20% move and more about the next 100% move.
• Recovery is just as uncertain as crisis.

You can learn more about Ashby at his blog, Retirement Field Guide. https://retirementfieldguide.com/

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Fradenburg, Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedomlawpc.com She was recently named to the prestigious American Bankruptcy Institute (ABI) 2019 “40 under 40” class of top bankruptcy practitioners nationwide.

We’ll learn:

*What happens if I declare bankruptcy?

*What is the difference between chapters 7, 11, and 13?

* How does filing bankruptcy affect you?

* Who should consider bankruptcy?

The information presented here is not meant to be legal advice and is intended for informational purposes only. Raymond James does not provide legal advice. You should consult with the appropriate legal professional in regards to your particular situation. Raymond James is not affiliated with Charissa Potts or Freedom Law, PC.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Melissa Joy is joined by estate planning attorney Joan Skrzyniarz, practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan.

Joan and Melissa discuss:

• Why for estate planning, perfection can be the enemy of progress.
• The documents you need in place during a pandemic (medical powers of attorney, financial power of attorney, wills, and trusts).
• The importance of a parental designation of guardian document for parents of minor children, especially during a health pandemic.
• How Joan has developed a family emergency plan for friends and neighbors to help their kids if mom and dad get sick.
• Joan's mantra during this time of uncertainty, "don't be panicked, be prepared."
• Why estate planning and financial planning help you to "prepare for everything" including unexpected moments like we're experiencing now.

For more information on Joan Skrzyniarz or to contact her, visit her website here.

Raymond James is not affiliated with and does not endorse the opinions or services of Joan Skrzyniarz. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Americans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus?

Bill McManus is part of the Applied Insights Team for Hartford Funds. In his current position, Bill is responsible for engaging and educating both financial advisors and their clients about current and emerging opportunities in the financial services marketplace.

Resources

5 Ways Technology Can Make Social Distancing Easier Use this resource guide with links to technology applications to increase your technology assistance in areas including staying connected, getting stuff you need, staying healthy, entertainment, and increasing your knowledge.

Raymond James is not affiliated with and does not endorse the opinions or services of Bill McManus or Hartford Funds. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.

Episode Notes

• Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan.
• In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Grosse Pointe Farms.
• This week we're talking about how the CARES Act can offer you some relief from the financial stress you might be feeling during these unprecedented times of COVID-19. Melissa and Melissa talk about recovery rebates, coronavirus-related distributions from IRAs and retirement plans, and the enhancements to unemployment benefits.
• FREE:CARES Act Resource Guide: https://pearlplan.com/2020/04/03/cares-act-resource-guide/
• FREE:Rebate Calculator: https://www.omnicalculator.com/finance/stimulus-payment

--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.

Episode Notes

Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. We'll be posting our companion podcasts weekly with a brief discussion (typically 5-10 minutes) about our weekly financial tips. In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Grosse Pointe Farms. This week we're breaking down the CARES Act specifically regarding loans and unemployment relief for small business owners. If you're a small business owner considering your options during this unprecedented time of COVID-19 please listen to this episode and reach out with additional questions. Here are some ADDITIONAL RESOURCES: https://pearlplan.com/2020/04/03/cares-act-resource-guide/.--- Send in a voice message: https://anchor.fm/52pearls/message

View Details

The COVID-19 outbreak has turned our personal and financial lives upside down. This week, we discuss a go-to strategy for uncertain times: "focus on what you can control." --- Send in a voice message: https://anchor.fm/52pearls/message

View Details

Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.

Episode Notes

• Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan.
• Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls.
• We'll be posting our companion podcasts weekly with a brief discussion (typically 5-10 minutes) about our weekly financial tips.
• In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Grosse Pointe Farms.
• This week we're talking about mapping out your financial goals. If you're like most people, you carry around money baggage or at least some things you'd like to improve. We encourage you to map out your goals throughout the calendar year. Melissa and Melissa talk about their personal goals for 2020.
• FREE RESOURCE: Download your 2020 Guided Financial Calendar today to work on your goals and follow along at home.

--- Send in a voice message: https://anchor.fm/52pearls/message