MONEY WITHOUT MATH: Recent Episodes
Karen Coyne, CFP®
We’re still exploring how money intersects with the many aspects of our lives, now as MONEY WITHOUT MATH. From managing our emotions to caring for an aging parent, join us for conversations that are practical, sometimes philosophical, and always fresh.Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. Content represents the opinions of the speaker and not necessarily those of Raymond James. Important Disclosure Information: http://raymondjames.com/smicd.htm
What if you approached your life with the same intentionality that organizations bring to strategic planning?
In this episode of Money Without Math, Karen Coyne sits down with leadership strategist, speaker, and "Sparkologist" Dr. Katie Sandoe to explore her personal strategic planning process.
Inspired by years of leading strategic planning sessions for organizations, Dr. Katie adapted many of those same principles to help create greater clarity, purpose, and alignment in her own life.
Together, they discuss the power of deep reflection, creating space away from everyday distractions, identifying what truly deserves your time and energy, and building a roadmap for the next season of your life. Dr. Katie shares the questions she asks herself each year, the tools she uses to make intentional decisions, and how this process ultimately led her to launch her own business and design a life she loves.
Whether you dedicate a full week, a single day, or just an hour, this conversation will inspire you to stop drifting and start living with greater intention.
In this episode:
00:00 Why You Need a Personal Strategic Plan
01:12 Turning Strategic Planning Into a Life Plan
03:33 Four Rules for a Successful Planning Retreat
06:35 How to Design Your Personal Retreat
10:43 Making Time for What Matters Most
12:35 The Questions to Clarify Your Next Chapter
17:56 Using the Wheel of Life to Find Clarity
19:31 Creating Your Personal Strategic Roadmap
21:28 Build Your Own Board of Directors
23:56 What You Need to Let Go Of
28:33 Turning Reflection Into Action
30:49 How Personal Strategic Planning Changed My Life
33:25 The Secret to Loving Your Life
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Katie Sandoe on LinkedIn
- Spark Something New
Nearly 95% of older adults are aging in place. But studies suggest that as little as 1% to 5% of U.S. homes actually have the key features needed to make that possible. Most people assume aging in place is about installing grab bars or making renovations after a health crisis; today’s guest says that’s exactly backwards.
In this episode, Karen is joined by Esther Greenhouse, environmental gerontologist and longevity strategist. Together, they explore the often-overlooked connection between housing design, independence, caregiving, and financial planning. Drawing on decades of research and her own caregiving experience, Esther explains how the environments we live in can shape our health, abilities, and quality of life long before a crisis occurs.
They discuss why successful aging in place begins decades before someone needs care. From person-environment fit and universal design to caregiving and preserving independence, Esther shares practical ways to create homes that support people throughout their lives instead of forcing costly, reactive changes later on.
The conversation also explores why housing deserves a place in comprehensive financial planning. Thoughtful design can help reduce caregiver burden, preserve assets, delay the need for long-term care, and create better outcomes for families over time.
Whether you're planning for your own future, helping an aging parent, or advising clients through life's later chapters, this episode offers a fresh perspective on how the places we live can shape the lives we lead.
In this episode:
0:00 Why Homes Aren’t Built For Aging
0:44 Money Without Math Show Intro
1:27 Aging In Place Starts Years Earlier
8:25 Person Environment Fit And Forced Frailty
14:35 Five Features That Change Everything
24:12 Universal Design That Helps Everyone
26:40 Caregiving Planning And Real Cost Savings
32:45 How To Follow Plus Disclosures
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Esther Greenhouse on LinkedIn
- Contact Esther Greenhouse
- Silver to Gold Strategic Consulting
Love and money are deeply connected—even when we avoid the conversation.
In this episode of Money Without Math, Karen Coyne sits down with attorney and Love Richer creator Jackie Combs to explore how women can set themselves up for financial success at every stage of life—single, dating, engaged, or married.
From subtle money conversations you can have on a first date, to the truth about prenups, to recognizing financial red flags before they become real problems, Jackie shares the legal and practical insights many women don’t learn until it’s too late.
You’ll also learn why “doing nothing” is still a financial decision, how to build true financial intimacy in a relationship, and the four-part framework that can transform how you talk about money with a partner.
This episode is your guide to building a relationship where you feel informed, protected, and confident—because love can feel good and make financial sense.
In this episode:
0:00 - Money Values Start Early
1:04 - Show Focus And Guest
3:48 - Why Love Richer Started
5:02 - First Date Money Questions
7:38 - The Default Rules If You Do Nothing
9:50 - Prenups For Wealth And Caregiving
12:38 - What If You Are Already Married
14:48 - Transparency For Life Curveballs
19:05 - Relationship Money Red Flags
23:28 - How To Have Better Money Talks
26:06 - Four Dimensions Of Financial Intimacy
30:02 - Closing And Listener Next Steps
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Jackie Combs on LinkedIn
- Love Richer
- Jackie Combs (@love.richer) • Instagram photos and videos
Where you live shapes more than your lifestyle—it influences your health, relationships, and long-term financial outcomes.
In this episode, Karen sits down with Ryan Frederick, founder of HERE and author of Right Place, Right Time, to explore why place is one of the most overlooked drivers of well-being and wealth. They discuss how your environment shapes your habits, why most people underestimate the impact of their surroundings, and how to think more intentionally about where—and how—you live.
Ryan introduces the four key dimensions of place—environment, health, community, and finances—and explains why place planning isn’t just about moving. In many cases, it’s about making better use of where you already are.
They also tackle common pitfalls—like aging in place without a real plan, overconfidence in big relocation decisions, and the tendency to think of ourselves as younger than we are when making long-term choices.
Whether you're considering a move, approaching retirement, helping aging parents, or simply want to feel more aligned in your day-to-day life, this conversation offers a framework for thinking about place in a more intentional way.
In this episode:
0:00 - Introduction
1:16 - What Place Planning Means
2:25 - How Place Shapes Us
8:23 - Aging In Place Without A Plan
14:03 - The Four Quadrants Of Place
22:06 - Feeling Younger Versus Planning Realistically
26:34 - Reimagining Home And Advisor Questions
35:02 - The Fast Assessment And Closing
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Ryan Frederick on LinkedIn
- Here.Life
You might assume that receiving a financial windfall would feel exciting, freeing, or even relieving. But for many people, sudden wealth brings something much more complicated: overwhelm, identity shifts, grief, uncertainty, and emotional paralysis.
In this episode of Money Without Math, Karen Coyne is joined by financial coach and speaker Marin Laukka to explore the psychology of sudden wealth and why financial transitions are often far more emotional than people expect.
Drawing from personal experience, research, and conversations with families navigating wealth transfers, Marin shares why gain and grief can often coexist and why even financially savvy people can feel overwhelmed or lost when money changes overnight. The conversation also explores how financial professionals can better support clients through major life and financial transitions with more empathy, awareness, and human connection.
If you’ve experienced a major financial shift, are preparing for a future inheritance, or want to better understand the emotional side of wealth, this conversation offers an important perspective that often gets overlooked.
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Marin Laukka on LinkedIn
- Joyful Budgeting
Negotiation is often equated with high-stakes conversations: salary offers, contracts, or tense back-and-forths across a conference table. But leadership coach and consultant Ranieka Weston says negotiation is happening constantly, often in the smallest moments of everyday life.
In this episode of Money Without Math, Karen Coyne sits down with Ranieka to unpack the mindset behind effective negotiation and why so many people struggle to ask for what they want, even when the stakes are low. From restaurant orders and parenting conversations to workplace boundaries and compensation discussions, they explore how negotiation is less about conflict and more about clarity, self-trust, timing, and emotional awareness.
Ranieka shares practical ways to strengthen your “negotiation muscle,” including how to approach difficult asks without becoming combative, why psychological safety matters at work and at home, and the hidden cost of shrinking your own value in important conversations. She also explains why many people don’t actually have a confidence problem; they have a negotiation problem.
If you’ve ever avoided asking, worried about being perceived as difficult, or walked away from a conversation thinking “I should’ve said something,” this episode offers a grounded approach to advocating for yourself—one small ask at a time.
In this episode:
0:00 - Know Your Value First
1:17 - Negotiation Happens Every Day
5:20 - The Vegas Margarita Win Win
10:09 - Mindset Shapes Every Ask
14:52 - Clarity Value And Timing
16:32 - Negotiating With Your Teen
20:47 - Boundaries Nonnegotiables And Safety
25:18 - Weekly Practice Questions That Work
27:37 - How To Ask Without Feeling Cheap
30:50 - Final Takeaways And Next Steps
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Ranieka Weston on LinkedIn
- Your Next Thought
Historian and generational expert Dr. Eliza Filby, author of Inheritocracy: It's Time to Talk About the Bank of Mum and Dad, joins Karen Coyne to explore why economic outcomes increasingly depend more on access to parental support and less on income or education. An estimated $80-$120 trillion is set to pass from Baby Boomers down family trees over the next two decades, but this transfer is lumpy, complicated, and loaded with unspoken expectations.
Together, they dive into the uncomfortable details: why parenting has become a 30-year financial commitment, how parental support can quietly erode a young person's drive and resilience, and the very real control dynamics that come with financial help, even when everyone calls it a "gift." They also talk about the families getting this right, including a father who turned the Bank of Mom and Dad into an actual bank.
Dr. Filby also brings in the gender dimension, as women tend to gift earlier, take fewer financial risks, and carry the care burden as parents age. She makes a strong argument for why these conversations can't just happen between the patriarch and a financial advisor on a golf course.
For families navigating support, inheritance, or just trying to figure out how to talk about money across generations, this one is worth a full listen.
In this episode:
0:00 – What is an inheritocracy?
3:30 – The great wealth transfer and why it's uneven
7:00 – Why young adults are still financially dependent
9:45 – Housing, wages, and what actually got expensive
14:00 – When parental support becomes reckless
17:00 – The connection between financial help and resilience
19:45 – AI, work, and why Gen Z questions the career ladder
20:10 – Control, obligation, and the strings on "gifts"
26:10 – How to start these conversations in your family
29:00 – Prenups and the mass affluent
33:00 – Gender and who holds the emotional vs financial power
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Dr. Eliza Filby on LinkedIn
- Dr. Eliza Filby’s website
- Dr. Eliza Filby on Instagram
What if the key to feeling more financially secure, more successful, and more at peace had nothing to do with your account balance? Gratitude might sound like a soft skill, but the science says otherwise.
In this episode of Money Without Math, Karen Coyne is joined by Dr. Peggy DeLong, the Gratitude Psychologist, to explore how a daily gratitude practice can literally rewire the brain, shift your sense of identity, and move you from a scarcity mindset to one of abundance. Dr. Peggy shares her own deeply personal journey, from an ungrateful young adult to discovering gratitude's power during one of the most devastating seasons of her life, and how that discovery now informs her work as a psychologist, speaker, and author.
Whether you're stuck in comparison mode, caught on the never ending treadmill of "never enough," or simply looking for small ways to feel better every day, this episode offers research backed tools that take as little as two seconds to practice.
In this episode:
- How grief and adversity led Dr. Peggy to discover the power of gratitude
- Why gratitude changes brain structure and how pessimists become optimists
- Moving from a scarcity mindset to an abundant one
- How gratitude reduces comparison and redefines success beyond finances
- The Grateful Day: micro practices you can start today, including the two second morning reset, setting your intention, and writing appreciation emails to counter "email apnea"
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Peggy DeLong on LinkedIn
- Midlife Awakening Sisterhood
Parenting around money is messy for almost everyone. Your kid blows through their allowance or your college student burns through the semester’s food budget–and without intention, you might find yourself responding in a way that’s more controlling than it is constructive.
In this episode of Money Without Math, Karen Coyne is joined by parenting speaker, author, and coach Mary Wilcox Smith to explore how parents can build real financial skills in children at every age. They discuss why money problems are often skill gaps, not character flaws, and how validation, practice, and modeling are more effective than lectures.
Mary shares simple scripts, small-step strategies, and mindset shifts that help you hold boundaries, give your kids more appropriate control, and build their capacity with money over time.
In this episode:
- The skills gap behind money struggles are not character flaws
- Building capacity instead of punishing mistakes
- Setting ceilings on spending, even when you have the means
- Course correcting with older teens and young adults
- How to stop bailing them out while still staying connected
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guest:
- Mary Wilcox Smith on LinkedIn
- Mary Wilcox Smith’s website
- Mary Wilcox Smith’s The MicroStep Method for the Overwhelmed Parent
You don’t make decisions about your later life in later life, you make them in midlife. And one of the biggest decisions? Where you choose to live.
In this episode of Money Without Math, Karen Coyne is joined by demographic strategist Bradley Schurman to explore how declining birth rates, aging populations, climate risk, and technological disruption are reshaping the future of cities, and what that means for your financial life.
They break down the idea that your zip code may be one of the most important drivers of long-term prosperity, and introduce a new way to evaluate where you live beyond just cost of living or tax rates. From the rise of remote work to the hidden risks in “affordable” cities, this conversation offers a more complete framework for thinking about where, and how, you want to live in the years ahead.
Whether you're planning for retirement, considering a move, or simply rethinking your current situation, this episode will challenge how you define opportunity, stability, and home.
In this episode:
- How your zip code may influence your long-term financial security and quality of life
- The five dimensions of the Prosperity Index: population renewal, climate risk, social cohesion, governance, and AI preparedness
- HowWhy cities like Chattanooga, Tulsa, and Pittsburgh are taking innovative approaches to prepare for the future
- How remote work and demographic shifts are creating new possibilities for relocation
- Key questions to consider before buying a home or planning for retirement
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Bradley Schurman on LinkedIn
- Population Next Podcast
- Geography Of Prosperity
Have you ever dreamed about relocating abroad? As many as 34% of Americans say they would move overseas if they could, and interest is only growing. Concerns about quality of life, cost of living, and a desire for a different pace are motivating more people to explore life beyond the U.S.
In this episode of Money Without Math, Karen Coyne is joined by Michele Collu, co‑founder of Sardiamo, a relocation and real estate guidance service based in Sardinia, Italy. Learn what it really takes to move abroad — from visas and local bureaucracy to housing, culture, lifestyle fit, and the emotional and logistical realities of such a major life change.
Whether you're considering retirement abroad, working remotely from another country, or simply curious about how people make this leap, Michele’s insights offer a practical look at the journey.
In this episode:
- The main visa paths Americans use to move to Italy
- Why most buyers need to purchase property in cash
- How vacation energy can distort relocation decisions
- The lifestyle questions to answer before choosing a town
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Michele Collu on LinkedIn
- Sardiamo
In this heartfelt and deeply practical episode, Karen Coyne sits down with Kathi Balasek—educator, grief literacy advocate, and founder of Grief Ready Communications—to talk about how to support someone through loss.
Drawing on her experience as a young widow raising five children, Kathi shares why our culture often gets grief wrong, how well‑meaning comments can unintentionally wound, and how to communicate with empathy when someone is hurting.
Together, they unpack the idea of becoming “grief literate”: understanding the realities of grief, recognizing that loss extends far beyond death, and learning how to show up with real presence instead of reflexive optimism.
With loss, major financial decisions often follow. This episode is also an invitation to have the hard conversations now, long before a crisis.
In this episode:
- What it truly means to be grief literate and why it changes relationships
- The phrases we default to that unintentionally disconnect people
- How loss and money collide in widowhood, divorce, caregiving, and career change
- Why financial conversations belong at the dinner table long before a crisis
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Kathi Balasek on LinkedIn
- Kathibalasek.com
In this thought-provoking conversation, Karen Coyne sits down with Ken Stern, author of Healthy to 100, founder of the Longevity Project, and former CEO of NPR, to explore the critical but often overlooked role of social health in living longer, healthier lives. Drawing from global research and firsthand reporting from places like Japan, Singapore, and Italy, Ken reveals why countries with the highest life expectancies are intentional about fostering intergenerational relationships, purpose-filled work, and community connection, especially in the second half of life.
Ken shares surprising longevity insights from around the globe, including why a poor Texas county outperforms wealthier regions in life expectancy, how Japan redesigned work for older adults, and why loneliness poses health risks equivalent to smoking 15 cigarettes a day. Together, Karen and Ken examine cultural norms, policies, and personal choices that shape how we age, as well as how our own internalized ageism may unknowingly limit our health and happiness.
Tune in and walk away with practical steps to build meaningful social connections, rethink retirement, and intentionally design a more purposeful, connected life, no matter your age.
In this episode:
- Why social health may be the most overlooked factor in long-term wellbeing
- How other countries intentionally design connection into later life
- The role work, purpose, and proximity play beyond traditional retirement
- How ageism and mindset quietly influence health and longevity
- Simple ways to plan for connection, not just financial security
—
Ask Ken: subscribe for access to his newsletter and send him the questions you have about social connection → https://www.longevity-project.com/ht100-newsletter
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guest:
- Ken Stern on LinkedIn
- The Longevity Project
What do medical bills, group dinners, canceled flights, and even premarital counseling all have in common? According to Matt Schulz—Chief Consumer Finance Analyst at LendingTree and author of Ask Questions, Save Money, Make More—they’re all opportunities to take back control of your financial life simply by asking the right questions.
In this insightful conversation, Matt and Karen uncover the everyday moments where speaking up can save you money, strengthen relationships, and reduce stress. From negotiating medical bills and navigating travel chaos, to smoothing out friendship friction at big group dinners, Matt shares practical scripts, real-life stories, and the empowering reminder that you have more power over your money than you think.
In this episode:
- Why most people underestimate how much leverage they actually have
- How asking early can prevent awkward or expensive situations later
- Why tone and timing matter more than having the perfect words
- How everyday money moments reveal deeper communication patterns
- Small mindset shifts that make money feel less intimidating
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Matt Schulz’s website
- Matt Schulz on LinkedIn
Money has a way of slipping into every corner of life, shaping how we feel, how we make decisions, and even how we show up for the people we love. So when the online noise insists that “nobody needs an advisor anymore,” it ignores the part of money that isn’t mechanical at all. In this conversation, Daniel Crosby brings a grounded, deeply human view of what advice actually does for people — the calm it creates, the guardrails it provides, and the way it helps us carry what feels heavy on our own.
In this episode:
- Why online critics misunderstand what advisors really do
- The emotional and time value hidden behind good advice
- How trust and rapport shape financial decisions
- When DIY investing starts to work against you
- Why simple conversations can be more powerful than complex strategies
- The role advisors play in helping clients stay steady during uncertain moments
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Daniel Crosby on LinkedIn
- Orion Advisor Solutions
Patterns shape the way we lead, work, spend, save, and even show up in our relationships, and still, most of us rarely stop to notice the ones shaping us behind the scenes. In this conversation, Karen sits down with leadership strategist and keynote speaker Bukola Oguntala, whose work centers on helping people recognize the unconscious behaviors that drive burnout, miscommunication, and resistance.
Bukola’s perspective comes from her own experience. As a first-generation Nigerian American who lost both parents at 12, she learned early how patterns can help you, and how they can also work against you. Her experience spans a 20-year career across consulting, pharmaceuticals, manufacturing, and HR leadership, and now informs the SHIFT™ framework she teaches to leaders who feel stretched thin.
In this episode:
- How early experiences shape our patterns as adults
- Why high performers often cling to habits that eventually hold them back
- The role of culture and context in how we show up at work
- What burnout can reveal about the patterns we’ve outgrown
- Small shifts that help create space for new ways of leading and living
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Bukola Oguntala on LinkedIn
- Bukola Oguntala Website
Generation X has officially entered the “wait… how close is retirement?” era. And while most of us still feel mentally 35, the numbers are inching closer whether we’re ready or not. This conversation with Kerry Hannon and Janna Herron, co-authors of Retirement Bites: A Gen X Guide to Securing Your Financial Future, feels like a warm, clear-eyed check-in about where we stand, what we can do now, and why it’s not too late to build a retirement that actually feels good.
In this episode:
- How lifestyle creep reshapes your financial picture.
- Why Gen X often feels behind and what’s actually within your control.
- The role of work, reinvention, and staying relevant in midlife.
- Ways your home, health, and network can support a stronger retirement.
Get the book Retirement Bites: A Gen X Guide to Securing Your Financial Future: https://www.amazon.com/dp/154170584X
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Kerry Hannon on LinkedIn
- Janna Herron on LinkedIn
Building a life with someone means blending histories, emotions, habits, and hopes, and money is woven through all of it. In this conversation, Karen is joined by author Heather Boneparth, who spent two years interviewing couples and experts to understand what truly helps partners feel seen, supported, and financially aligned.
Together, they explore how couples can move toward more fairness, more teamwork, and more empathy, even when life gets messy. Heather shares why caregiving is as valuable as earning, why communication needs to stay constant, and how staying curious about your partner can transform your financial life and your relationship.
In this episode:
- Why your early money “scripts” still influence you today
- How couples can approach risk when they were raised differently
- The deeper story behind a “croissant fight” and what resentment reveals
- Why contributions at home deserve equal weight to contributions at work
- The one habit Heather believes every couple should practice
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Heather Boneparth on LinkedIn
- Bone Fide Wealth
We spend so much time thinking about how to live longer, but not nearly enough time thinking about how to live better.
In this episode, Karen sits down with Dr. Kerry Burnight, known as America’s Gerontologist and author of Joyspan: The Art and Science of Thriving in Life’s Second Half, to explore what truly drives quality of life as we age.
They go through the habits, mindsets, and small daily choices that influence not only how long we live but how deeply we enjoy those years. If we were to choose one takeaway from Dr. Burnight’s words, it’s that joy is an inside job.
In this episode:
- The four elements of joyful longevity: grow, connect, adapt, and give
- Why your mindset about aging can add years to your life
- How asking for help actually strengthens connection
- Small gratitude habits that change how we experience each day
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Dr. Kerry Burnight on LinkedIn
- Dr. Kerry Burnight’s website
When a loved one suddenly needs care, most people expect to handle the emotional and medical side, but few are ready for the financial maze that comes with it. In this episode, Karen sits down with journalist Beth Pinsker, CFP®, author of My Mother’s Money: A Guide to Financial Caregiving, to talk about what really happens when you step into someone else’s financial life. They cover power of attorney hurdles to bank bureaucracy and the importance of talking about “who gets the candlesticks,” and Beth shares her firsthand lessons from caring for her mother and settling her estate.
This conversation is a must-listen for anyone helping aging parents, supporting a spouse, or simply wanting to get their own affairs in order before life gets complicated.
In this episode:
- What “financial caregiving” really means
- Why the hardest part isn’t legal but logistical
- The importance of creating a clear paper trail for loved ones
- How to prepare before an emergency call changes everything
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Beth Pinkser on LinkedIn
- Marketwatch
We spend decades preparing financially for retirement, but far less time preparing emotionally. Retirement is often painted as the finish line, yet for many, it’s just the start of a very human transition filled with uncertainty and identity shifts in the search for a new purpose.
In this episode, financial planner and retirement coach Dan Haylett, host of Humans vs. Retirement and author of The Retirement You Didn’t See Coming, talks about the emotional journey that follows the mathematical calculations. Here, Dan explains how to approach this season not as an ending, but as a reinvention.
In this episode:
- The “most dangerous day” of retirement, and why it sneaks up on so many people
- Why hitting your number doesn’t guarantee fulfillment
- How loss of identity, structure, and purpose can affect your well-being
- The five pillars of a thriving retirement
- Why high achievers often struggle the most, and how to find peace in stillness
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Dan Haylett on LinkedIn
- TFP Financial Planning
What does it take to build both a thriving career and a lasting relationship? Dr. Julie Gurner has spent years working behind the scenes with executives, athletes, and entrepreneurs, and she’s seen the patterns that make or break couples under pressure. Spoiler: it’s not the flashy headlines or the dramatic stories we see in the news. It’s the quiet, intentional habits that keep partners aligned. Those habits protect both their love and their wealth.
In this episode, Dr. Gurner shares what ambitious couples do differently. If you’re building a business, balancing big goals, or simply wanting to protect the most important relationship in your life, this episode offers grounded wisdom you won’t want to miss.
In this episode:
- Why “knowing yourself” is the first step to a lasting partnership
- The role money conversations play in protecting both love and wealth
- How the best couples argue—and what makes conflict constructive
- Why saying the uncomfortable thing early can save years of regret
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Dr. Julie Gurner on LinkedIn
- Dr. Julie Gurner’s website
- Dr. Julie Gurner on Substack
- Dr. Julie Gurner on X
Life doesn’t always follow the plan we set for it. Bernadette Smith knows this well. From her early days as an “activist wedding planner” helping same-sex couples celebrate love, to her work today leading Equality Institute, she’s built a career on courage, authenticity, and connection. Along the way, she’s navigated personal and professional pivots that reshaped not only her business, but the way she sees herself.
Her story is filled with lessons about resilience, trusting yourself when the ground shifts, and finding joy even in the toughest transitions. At the center of it all is a belief that life is richer and lighter when we build real relationships across differences, and bring a little good energy wherever we go.
In this episode:
- What it takes to start over when the old path no longer fits
- The mindset shifts that helped Bernadette move from scarcity to abundance
- Why leaning on others makes the journey lighter and more meaningful
- A simple daily tool for building authentic connections
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Bernadette Smith on LinkedIn
- Equality Institute
Today we're throwing it back to an incredible episode with Amani Zaveri, which you won't want to miss!
Quitting has such a negative connotation today. But quitting isn’t always a terrible thing. In fact, it can be a powerful and positive skill.
In this episode, Karen Coyne and Amani Zaveri examine the misunderstood art of quitting. For starters, the Latin root word for quitting, quietus, is closer to liberating than it is to failing.
Karen and Amani connect financial habits to the concept of quitting, offering fresh insights on using savings for intentional life changes. They explore when it’s time to quit — whether a job, relationship, or hobby — by recognizing signs like persistent dissatisfaction, an overloaded schedule, or mental disengagement.
(This episode reminds us that quitting, when done thoughtfully, can be a powerful step toward a more authentic and fulfilling life!)
Key Highlights:
- Quitting as Liberation: Redefining quitting as a positive and necessary life skill for personal growth
- Financial Decisions & Quitting: Linking financial habits to the strategic use of quitting for intentional life changes
- Knowing When to Quit: Recognizing the signs that it’s time to let go and move forward
- Quiet Quitting: Understanding how disengagement extends beyond the workplace to relationships and activities
- Benefits of Quitting: Discovering the mental clarity and renewed energy that come from making the right decisions at the right time
- Navigating the Emotional Side: Handling the grief and loss that may accompany quitting, with support from others
- Practical Tips: Regularly reassessing your life’s direction to ensure you’re aligned with your true goals
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Amani Zaveri:
- LinkedIn: Amani Zaveri
- Global Soul Travel
- Substack for Amani’s travel business
- Book a complimentary exploratory call
About Our Guest:
Originally from India and born and raised in Hong Kong, Amani has been in the luxury travel space for 12 years. After working as a members-only concierge for 9 years, she launched her own luxury travel agency where she works with high-net-worth individuals and companies for their travel needs. She's planned everything from Indian destination weddings to a year-long round-the-world trip for a family and everything in between.
Amani's desire to start her own business was propelled by a need to have more flexibility and spend more quality time with family. She's passionate about helping female entrepreneurs create balance in their lives so they don't have to choose their careers or personal life.
Some advice sounds harmless, but when it’s pulled out of context, it can quietly steer you in the wrong direction. Today we’re joined by Melissa Joy, founder of Pearl Planning, for a conversation about the kind of money “rules” that sound wise on the surface but don’t always fit your life.
We explore the trouble with blanket statements like “you should never buy a new car” or “always max out retirement accounts,” especially for people who’ve moved beyond survival mode and are making more nuanced financial choices. Along the way, we talk about how shame often seeps into money decisions, why one-size-fits-all guidance doesn’t serve everyone, and why your values deserve a place in the conversation.
In this episode:
- Why the word “should” can be so damaging in financial conversations
- How to spot advice that’s built for someone else’s life, not yours
- Why success doesn’t always make decisions easier
- The importance of aligning money choices with what matters most to you
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Melissa Joy on LinkedIn
- Pearl Planning
Retirement can be one of life’s most rewarding chapters when it’s shaped around purpose, connection, and the freedom to design your days. In this conversation, we sit with Christine Benz, Morningstar’s Director of Personal Finance and Retirement Planning, to explore the choices that make those years meaningful.
We discuss the lessons and limitations of the FIRE movement (Financial Independence, Retire Early), the surprising challenges that come with spending after a lifetime of saving, and ways to prepare for the realities of long-term care. You’ll also hear why crafting a gradual “glide path” into retirement often leads to greater happiness, and how small shifts today can set you up for a future filled with energy and engagement.
In this episode:
- Why retirement works best when it’s more of a glide path than a hard stop
- The overlooked challenge of spending money after years of saving
- How to think about long-term care before you need it
- What the FIRE movement gets right—and where it falls short
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Christine Benz on LinkedIn
- Morningstar
- Get Going On Savings Initiative
What does it mean to live a remarkable life—solo? Dr. Peter McGraw has spent the last five years exploring that question as a behavioral economist, author, and lifelong bachelor. In this conversation, we sit down with him to talk about how the world—and the financial industry—still defaults to couples, even as the number of single adults continues to rise.
There’s also a bigger conversation about how norms shape the way we think about money. Because nowadays, financial systems are full of outdated assumptions, but when you start asking different questions, the game can change.
In this episode:
- The rise of “new way” singles and how their goals differ
- Why single living often means luxury living
- How financial planning norms can fail unmarried adults
- What advisors (and clients) can do to rethink the script
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Dr. Peter McGraw on LinkedIn
- Dr. Peter McGraw’s website
For many people, having a startup in Silicon Valley is the ultimate dream, and Tissa Richards reached it with a software company that she later decided to shut down. It was not an easy decision to make, but it helped her build resilience and reinvent herself. Now, this resilient founder has become a leadership advisor and author who guides executives through failure and helps them see it as an opportunity. Today, we talk about bouncing forward, adapting to change, and communicating with clarity and purpose.
In this episode:
- The difference between failure and defeat
- Strategies for communicating your value with confidence
- How to turn setbacks into career opportunities
Join us and discover how the hardest moments in your career can be the inflection point that takes you exactly where you want to be.
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Tissa Richards Website
- Tissa Richards on LinkedIn
What happens when successful couples decide one person should hit pause on their career to shake things up at home and work? That’s the conversation we are having today in this episode of Money Without Math. Our guests? Kim Nakamaru and David Pidancet, two professionals in the aerospace industry who decided to switch traditional roles and become a family with a working mom and a full-time dad.
In this episode:
- The negotiations that come with big life changes
- Traditional roles and how they embraced new ways of doing things
- The best strategies for succeeding in a transition like this
Tune in to hear how unique the journey can be when it comes to balancing professions and family life.
Connect with Karen:
- Clarity Planning
- YouTube
Connect with our guests:
- Kim Nakamaru on LinkedIn
- David Pidancet on LinkedIn
- Country Music Dads Podcast
- Facebook: Country Music Dads
- The Bro Dad Podcast
- Relativity Space
The traditional career timeline of working full-time for decades and then withdrawing abruptly is not only outdated, it’s loaded with challenges from decreased income to loss of identity and purpose.
Enter the portfolio career. Unlike the typical career path comprised of one employer and one income stream, a portfolio career might include multiple roles, organizations, and/or income streams. After an impressive 32-year career with Walmart, guest Deanah Baker is exploring a world where work is more than a single job. Instead of retreating to retirement, Deanah is directing her energy and deep expertise to serve on boards, consult, and nurture her network.
Key conversations in this episode include:
- Deanah's journey from single company loyalty to exploring multiple ventures. [00:02:15]
- The mental shift from a fast-paced retail career to a slower yet purposeful path. [00:04:24]
- Embracing a "portfolio career": leveraging past expertise while discovering new passions. [00:08:16]
- Enriching the next chapter of life with genuine mentorship and community support. [00:13:20]
- Defining personal work-life balance when time is no longer dictated by corporate demands. [00:16:51]
- And more
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Deanah Baker:
- LinkedIn: Deanah Baker
About Our Guest:
Deanah Baker is a former global CPG/B2C retail executive at Walmart, now consulting with high-growth organizations to drive sustained profitability and market share expansion.
Deanah partners with business leaders to develop multi-year strategies that deliver differentiated revenue growth and profitability.
She transforms innovative ideas into successful products, brands, and initiatives that enhance sales performance and customer experience.
Deanah advises CEOs on organizational changes that optimize teams and support new business ventures.
She equips leaders and teams with deep industry knowledge, merchant and supplier criteria, and problem-solving skills to drive win-win business outcomes.
Deanah has held senior officer roles in omnichannel merchandising, managing $25 billion P&Ls. She led the launch of multiple private label and national brands, generating over $10 billion in annual revenue. She also spearheaded the implementation of RFID-driven real-time inventory tracking, enabling curbside pickup and delivery for the Apparel Division.
What if AI could be your best work ally instead of a job-stealer?
Let's dive into the exciting world of AI, not as a threat, but as a powerful tool for personal and career growth.
Karen Coyne hosts Susan Youngblood, an AI and Human Capital advisor, as they unravel how AI reshapes our lives, especially in our workspaces. Explore how AI integrates seamlessly into your daily routines, from refining repetitive tasks to sparking creative problem-solving.
Key episode discussion points include:
- The current role AI plays in our work lives [00:02:51]
- Preparing for AI-driven changes in the workplace, from those feeling overwhelmed to tech enthusiasts [00:05:17]
- Enhancing personal education with AI without needing deep technical know-how, discussed [00:05:41]
- Embracing AI as a career accelerator rather than a threat [00:22:05]
- And more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Susan Youngblood:
- LinkedIn: Susan Youngblood
- Bessemer Venture Partners
About Our Guest:
Susan Youngblood is an operating advisor and technology Chief Human Resources Officer and Artificial Intelligence (AI) advisor who has launched, transformed, and acquired companies. Her combination of technical savvy and human capital management expertise positions her to advise boards and leaders on preparing for the AI-enabled workplace.
With a career spanning Fortune 50 companies, private equity-backed ventures, and startups, Susan has been a catalyst for business transformation, guiding organizations through critical inflection points, including digital transformation, M&A, global scaling, and preparing workforces for emerging technologies and AI implementation.
Susan architected the human capital strategy for the launch of the AI software firm Ascendion, where she was the Chief People Officer. Earlier, she worked with Blackstone to prepare for the $27B sale of fintech Refinitiv to LSEG and led integration planning. At IBM, she successfully managed eight global acquisitions and integrations totaling $1B Enterprise Value. Susan's strategic approach to workforce management has consistently delivered multi-million-dollar savings, evidence of her approach to driving high ROI.
Susan serves on the Board of Directors for Cornell University’s ILR School, is an advisor for an agentic AI startup, and is an angel investor. She holds a bachelor’s degree in psychology from Vassar College and a Master of Industrial and Labor Relations (MILR) degree from Cornell University, where she was also the assistant coach of the women’s tennis team.
Can you strengthen your relationship by applying the same principles you might use in business?
Karen Coyne invites you to explore this concept with guests Rebecca Lockwood and Tom Bower, co-authors of "The Cohesive Couple". They offer practical insights on how couples can align visions and improve communications by using systems similar to those used to run successful businesses.
Rebecca and Tom share their journey from business coaching to helping couples create a harmonious home life. From establishing a shared vision to planning accountability meetings, listen in to learn how to put problems in front of you rather than between you.
Resources:
- “The Cohesive Couple” by Rebecca Lockwood, James Lockwood, and Tom Bouwer
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Rebecca Lockwood & Tom Bouwer:
- LinkedIn: Rebecca Lockwood
- LinkedIn: Tom Bouwer
- Cohesive Couple Website
About Rebecca Lockwood:
Rebecca uses her diverse experiences to create a unique approach to life, relationships, and personal growth. With over 15 years of experience in the hospitality industry and six years as a business coach, she has dedicated her career to helping individuals and couples unlock their full potential. Her coaching philosophy is deeply rooted in her own life experiences. As a traveler at heart, Rebecca constantly seeks authentic experiences and relationships. She firmly believes that life is richer when surrounded by family and friends.
About Tom Bouwer:
As an entrepreneur and coach, Tom brings over 30 years of U.S. and international experience to his work, helping both companies and individuals. Having started three successful companies in Turkey, Tom offers a unique global perspective. Together with his wife Windy, he is passionate about exploring the world and creating lasting memories, an approach he brings to his professional endeavors. Drawing from his diverse background and his own marriage, Tom helps people navigate challenges and strengthen their relationships. His unique approach combines business acumen with fresh insights into the complex dynamics today’s marriages face. His books have sold over 1 million copies worldwide and offer practical tools for immediate impact. As a speaker and coach, Tom dedicates his time to guiding leadership teams, individuals, and couples towards reaching their full potential.
Karen Coyne is joined by Sonya Hopson, the dynamic CEO and founder of HIRE Strategies, a talent placement agency with a focus on commercial construction. Sonya shares her personal journey from "accidental entrepreneur" to making her mark in commercial construction as a single mom and a woman of color.
She also opens up about embracing imperfections and becoming the woman known for her pink hard hat. Join us for a conversation that's as inspiring as it is practical.
Key episode discussions include:
- Her unexpected entry into the construction industry with a unique personal brand (00:04:36)
- The value of skilled trades and why they're a perfect career option for women (00:08:19)
- Tackling challenges in a male-dominated field and the power of authenticity (00:16:50)
- Her 'Chasing Peace' journey, redefining success, and prioritizing personal fulfillment over societal metrics (00:27:37)
- And so much more!
Resources:
- “Chasing Peace” by Sonya Hopson
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Sonya Hopson:
- LinkedIn: Sonya Hopson
- HIRE Strategies
- Sonya Hopson Website
- Facebook: Sonya Hopson
About Our Guest:
Sonya Hopson is The Lady with the Pink Hard Hat.
From an accidental entrepreneur to an award-winning CEO, Sonya has built a career defined by resilience, purpose, and transformation. As the Founder & CEO of HIRE Strategies, she has cultivated a business focused on people-first leadership—empowering professionals and breaking down barriers in male-dominated industries. Recognized by Forbes and the Triangle Business Journal, Sonya is dedicated to disrupting the status quo and creating fair and equitable opportunities for all candidates.
At HIRE Strategies, the organization’s mission is to empower both companies and individuals by advocating for diverse perspectives—helping businesses HIRE and RETAIN top talent while fostering inclusive workplaces where everyone has a seat at the table.
But her story reaches beyond business.
As a motivational speaker, ballroom dancer, mental health advocate, and author, Sonya shares her personal experiences to inspire others to heal from unhealed childhood wounds, embrace imperfection, and seek their own peace. Her upcoming book, Chasing Peace: Tales of a Recovering Perfectionist, offers a deeply personal journey of overcoming trauma, perfectionism, and redefining success on one’s own terms.
Whether mentoring women in business, advocating for mental health awareness, or helping organizations build inclusive teams, Sonya's mission remains constant: to be a light in someone else’s darkness.
Have you ever wondered what it takes to make life-saving decisions under pressure, like a heart surgeon? How about applying this mindset to your personal finances?
Karen Coyne sits down with Dr. Eric Weiss, one of the country's leading cardiac surgeons and Director of Aortic Surgery at Aurora St. Luke's Hospital. They explore the fascinating world of “clamp time”—a powerful principle centered around urgency and focus that Dr. Weiss applies in the operating room and beyond.
From surgical precision to financial finesse, discover how the same mindset that saves lives can guide all of us toward meaningful, empowered decisions in our daily lives.
Key Highlights:
- Self-taught financial wisdom and overcoming mistakes
- The psychology behind financial stages and mindset shifts
- Transitioning from wealth accumulation to enjoyment and giving
- The philosophy of 'Clamp Time' and urgency in achieving success
- Avoiding burnout by focusing on passion and rolling focus
- And much more!
Resources:
- Clamp Time™
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Dr. Eric Weiss:
- Eric Weiss, MD
- LinkedIn: Eric S. Weiss
- Instagram: Dr. Eric Weiss
- Eric Weiss, MD: Contact Form
- (414) 250-8676
About Dr. Eric Weiss:
Dr. Eric Weiss is one of the most respected and recognized cardiothoracic surgeons in the country for his ability to technically perform the most complex operations on the aortic and mitral vales, as well as the thoracic aorta outstanding results. Located at one of the most reputable health systems in the Midwest, Dr. Weiss excels due to his reputation of technical excellence and five-star patient care reviews.
Dr. Eric Weiss is an attending cardiac surgeon who specializes in general adult cardiac surgery, aortic surgery, valvular heart surgery, and the surgical treatment of heart failure. He obtained his medical degree from the Johns Hopkins University School of Medicine in Baltimore, MD. He completed his general surgery residency at the Johns Hopkins Hospital, Baltimore MD and a cardiothoracic surgery fellowship at New York Presbyterian Hospital- Columbia College of Physicians and Surgeons in New York, NY. Dr. Weiss completed further advanced fellowships in heart transplantation and mechanical circulatory support at New York Presbyterian Hospital and in advanced aortic surgery at the University of Pennsylvania.
As a recognized expert in diseases of the thoracic aorta, valvular heart disease, heart transplantation, and clinical outcomes research, Dr. Weiss completed a post-doctoral research fellowship in cardiac surgery at Johns Hopkins University in Baltimore, MD; has published over 70 peer reviewed journal articles and has given over 80 presentations at national and international scientific meetings.
What happens when a single moment redefines your entire existence?
Karen Coyne dives into a conversation with Kathy Dempsey, a remarkable change management speaker and author, who shares her incredible journey from an HIV diagnosis to a renewed life. This is about as real as it gets. Kathy opens up about how facing a presumed death sentence at 25 shaped her perspective on living fully in the present.
Join us as Kathy and Karen explore:
- The importance of "shedding" old habits and embracing new changes at [00:11:16].
- Practical tools for managing personal and professional change at [00:15:16].
- Insights on preparing for life's inevitable transitions at [00:31:16].
- Maintaining a positive mindset in challenging environments at [00:26:00].
Tune in for a conversation that combines practical wisdom with an inspiring personal story, offering valuable life lessons for everyone.
Resources:
- “The Power of Now” by Eckhart Tolle
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Kathy Dempsey:
- Linkedln: Kathy Dempsey, CSP, RN, MED
- Company: Keep Shedding Inc
- Youtube: @keepshedding
- 609-897-9442
About Karen Coyne:
Karen Coyne, CFP® is the founder of Clarity Planning, an independent financial planning practice at Raymond James.
She is a financial advisor to entrepreneurial physicians and professionals who value their time, wellness, and relationships as much as any other asset. She serves as a guide and sounding board for her clients, helping them make sense of how their money will best serve their vision and values. Karen is also a financial author and writer, with articles published by Medical Economics, Physician’s Practice, and DentistryIQ.com. She is the podcast host of MONEY WITHOUT MATH (formerly Fresh off the Vine), and loves to explore the myriad of ways that finances intersect with so many other aspects of our lives.
About Kathy Dempsey:
Kathy Dempsey is a former ER trauma nurse and hospital administrator who became a certified change management speaker, CSP, and award-winning author.
She has had the honor of being voted one of the Top 5 Healthcare Speakers twice. In 2015, she founded THE SHEDDING REVOLUTION and has become a highly requested keynote speaker for both in-person and virtual events. Additionally, she was the first healthcare worker ever diagnosed with HIV in the 1980s.
Her main passion is equipping individuals and organizations with essential SHED skills to navigate change, improving employee engagement, retention, customer experience, and communication.
What if money wasn’t just about adding and subtracting, but truly about aligning with your purpose and joy?
Dive into this episode as Karen Coyne chats with Michelle Boulé, a life coach, dancer, and healer who connects money, movement, and mindset. Together they explore how our physical movements and spiritual awareness shape our financial journeys.
From Michelle’s inspiring journey from a professional dancer to a transformative coach, to practical insights on overcoming money shame, this episode is packed with revelations. You'll also learn about the power of aligning desires with universal laws and how these can create true financial and personal prosperity.
Key discussions include:
- The interconnection between money and movement
- The role of desire and redefining personal goals
- Embracing universal laws for financial well-being
- Celebrating personal truths and overcoming societal scripts
- And more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Michelle Boulé:
- Instagram: Michelle Boulé
- Facebook: Michelle Boulé
- YouTube: Michelle Boulé Coaching
- Michelle Boulé Coaching
About Michelle Boulé:
Michelle Boulé has studied the body and movement for 35 years. An award-winning dancer, choreographer, and teacher of international renown, she has always believed that creativity, movement and healing are inextricably linked. The New York Times has said “When Ms. Boulé is onstage, it’s hard to take your eyes off of her…”, and she was the featured contemporary dancer in a video profile by The New Yorker Magazine. Michelle credits her work in energy and consciousness-based medicine as a tool that has furthered her career as an artist. Various injuries and setbacks also gifted her with an intimate understanding of how the body and energy move, allowing her to connect to clients with precision and compassion in her energy medicine practice.
Michelle became a Certified BodyTalk Practitioner in 2008, immediately recognizing it to be one of the most comprehensive, effective, and efficient healthcare modalities she had ever encountered. It transformed her life, to say the least, by giving her a profoundly different understanding of how the body, mind, and spirit find vitality and health. Her work in dance and healing is also influenced by a broad repertoire of healing modalities studied over the course of twenty years, including SourcePoint Therapy, BioGeometry, Yuen Method, Body-Mind Centering®, Fitzmaurice Voicework, Alexander Technique, Franklin Method, Feldenkrais Method, yoga, and Ayurveda.
What does your wardrobe reveal about you? Have you considered how it can subtly influence your professional success and sense of worth?
Karen Coyne chats with Morgan Wider, a dynamic image consultant and stylist, to unravel the deeper connection between our style choices and our sense of self-worth. Discover how clothing can be empowering beyond mere appearances and learn to embrace your authentic self!
Key conversations include:
- The emotional layers of style and how self-worth influences wardrobe choices
- Personal stories of transformation through embracing one's unique style
- Practical strategies for building a wardrobe that reflects your true self without breaking the bank
- The importance of authenticity in personal and professional environments
Resources:
- “The Worthy Wardrobe” by Morgan Wider
- The Worthy Reveal With Morgan Wider
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Morgan Wider:
- WiderStyle
- Morgan Wider Website
- LinkedIn: Morgan Wider
- Facebook: WiderStyle
- X: @widerstyle
- Instagram: @morganwiderstyle
- info@widerstyle.com
About Our Guest:
As an engaging speaker, workshop facilitator, wardrobe stylist and podcast host, Morgan Wider equips executives, employees, entrepreneurs, and college students with the tools to show up as their "Authentically Appropriate" selves, no matter their identity.
Morgan works with Fortune 500 companies, colleges and individuals. Morgan’s corporate clients include: The Portland Trailblazers, Google, Walmart, Assured Partners Insurance, Chick-fil-A, Porsche, Mercedes-Benz, and Bank of America.
By focusing on the critical components of Executive Presence, Morgan gives tangible tools to improve perception, increase performance and maximize personal power. Morgan delivers timely and effective workshops, styling, and branding services. Her sessions explore the intersections of image, race, gender identity and age and how to overcome "image bias."
Did you know that as an unmarried couple, you could be exposed to over 1,000 potential financial vulnerabilities that married couples are protected from?
Unmarried couples are navigating a complex web of financial challenges, often without the protections that marriage offers—this episode sheds light on what you need to know.
Uncover the vital financial considerations and protections for unmarried couples, professionally navigated by Karen Coyne and guest Joshua Charles. Listen to understand the implications of estate planning, why insurance is even more crucial, and how to safeguard your financial future.
Key conversation highlights:
- Why estate planning is more critical for unmarried couples
- The essential but often overlooked insurance needs
- The unique risks and rights in financial planning for unmarried partners
- Actionable insights on protecting your financial well-being and assets
- And more!
Resources:
- Unmarried Ever After: Your Legal Reality with Joshua T. Charles, CFP®
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Joshua Charles:
- LinkedIn: Joshua T. H. Charles CFP®, CHFC®, CLU®, ADPA®, CLTC®, CEP®, WMS®, AIF®
- Financial-360 Comprehensive Wealth Services LLC.
Who would care for your pet if you were unable to? Pet planning is not just for the rich and famous; it’s an essential aspect of responsible pet ownership.
Karen Coyne dives into the often overlooked aspect of pet planning with guests Abby Schneiderman, Adam Seifer, and Gene Newman, the minds behind the digital tool EverPlans.
Learn about the critical information you need on hand for emergencies, and why pet insurance might be more important than you think.
Key highlights:
- The importance of planning and establishing pet trusts for long-term care
- How pet insurance can save you from unexpected expenses and tough decisions
- The EverPlans tool as a means of organizing essential pet information for emergencies
- The critical roles pets play in our lives and how to ensure they are protected and cared for, always
Resources:
- Everplans
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Guests:
- LinkedIn: Abby Schneiderman
- LinkedIn: Adam Seifer
- LinkedIn: Gene Newman
What does legacy mean?
The idea of leaving a worthy legacy can feel daunting. What will I leave behind? How will I be remembered?
In this episode, Karen Coyne chats with Dr. Kimberly Harms, a grief counselor, death doula and author who shares her incredible story of overcoming personal hardships, the power of personal connections, and how to leave a legacy that’s more than material.
If legacies are rooted in love and relationships rather than just numbers of dollars, building emotional resilience deserves as much attention as our legal and financial planning.
Other discussions include:
- Understanding and redefining legacy beyond material assets
- Dr. Harms' journey through personal adversity and grief and how it shaped her
- Insights on building emotional insurance and strong family bonds
- Practical tips on creating legacy letters and preparing for the inevitable
Resources:
- “Are You Ready? How to Build a Legacy to Die For” by Dr. Kimberly Harms
- More Books from Dr. Kimberly Harms
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Dr. Kimberly Harms:
- LinkedIn: Kim Harms
- Last Minute Legacy
About Our Guest:
Dr. Kimberly Harms has been around the block in life. She has served as a Commissioned Officer in the United States Public Health Service, a dental school professor, a grief counselor, a death doula, a civil mediator, a clinical dentist with her late husband Jim in Farmington MN, a school board Chair, President of an international women’s organization, the first woman President of the Minnesota Dental Association, a National Spokesperson for the American Dental Association (21 years), an award-winning, best selling author and international speaker on the topics of grief, conflict and legacy planning.
She has also suffered many personal losses, including the deaths by suicide of her mother and son and the death by broken heart of her husband after their son’s death. Her most important role now is mother to her two surviving children and grandmother to 6 precious grandchildren.
If you feel overwhelmed by clutter, imagine how your children and loved ones will feel when they are tasked with going through all of your stuff one day.
Or maybe you’ve already been through this process after losing someone and know how difficult it can be. Perhaps the experience changed your perspective on how many things we needlessly hold onto.
Decluttering isn’t just about tidying up. It can also serve to lighten the load that our loved ones will eventually be left to deal with.
This is where Swedish Death Cleaning comes in. Inspired by The Gentle Art of Swedish Death Cleaning by Margareta Magnusson, this method helps you declutter with intention, making life easier for those you leave behind.
Mindy Godding, a professional organizer, describes the process and shares simple, practical tips. My favorite is to start with less sentimental spaces, like utility areas, before moving on to items with emotional value. Plus, learn how open conversations with family can relieve future stress.
Take control of your belongings and simplify your life, while bringing ease to both you and your family.
Key Highlights:
- Swedish Death Cleaning: A deeply personal approach to decluttering with the aim of reducing future burdens on loved ones
- Gentle Approach: Tackle decluttering mindfully, balancing emotional and practical considerations
- Starting Small: Begin with utility spaces like pantries to build momentum without overwhelm
- Emotional Challenges: Manage the sentimental weight of certain items while staying focused on what matters
- Secrets and Sentimentality: Tips for letting go of hidden or private items that don’t serve you anymore
- Empowerment: Take control of your possessions while granting peace and simplicity to your loved ones
- And much more!
Resources:
- The Gentle Art of Swedish Death Cleaning by Margareta Magnusson
- Spark Joy: The Life Changing Magic of Tidying Up by Marie Kondo
- Previous episode with Mindy Godding
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Mindy Godding:
- LinkedIn: Mindy Godding
- @abundanceorganizing
- Abundance Organizing
About Our Guest:
Mindy Godding is co-founder of Abundance Organizing, an A+ accredited move management and organizing company offering household decluttering, downsizing, and unpacking services. The Abundance Organizing team serves to organize clients hands-on across Central Virginia and virtually throughout the U.S. For more information: www.abundanceorganizing.com.
If you are single or in a long-term relationship with no plans to get married, you might think that you don’t need an estate plan. After all, estate planning conversations often revolve around the married couple with 2.5 kids. But the surprising reality is that it’s even more critical for unmarried people to prioritize this planning.
Whether you are partnered but not legally married, part of the LGBTQ+ community, widowed, or simply choosing to remain single, your legal reality is that you don’t have the same rights and protections that your married counterparts do.
Karen Coyne, CFP®, teams up with financial planning professional Joshua Charles, CFP®, to give an overview of the financial and legal gaps you face and practical, actionable steps you can take to close them.
Together, they discuss everything from safeguarding assets and planning for long-term care to building a solid financial foundation—no marriage certificate required—so that you can stay happily unmarried when it comes to your money.
Key Highlights:
- Legal Gaps: Unmarried couples miss over 1,100 legal protections. Learn how this impacts areas like hospital access, tax benefits, and inheritance
- Asset Titling: Discover the importance of correctly titling assets to avoid complications
- Power of Attorney (POA): Joshua demystifies POAs, explaining their value in maintaining autonomy while delegating authority
- Unique Demographics: LGBTQ+ couples, older adults, and other groups face distinct challenges—learn the strategies they can employ
- Long-Term Care: Prepare for potential incapacitation and aging in place with effective planning tools
- Estate Planning for All: Nearly everyone needs an estate plan, whether married, single, with children or not
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Joshua T. H. Charles:
- LinkedIn: Joshua T. H. Charles CFP®, CHFC®, CLU®, ADPA®, CLTC®, CEP®, WMS®, AIF®
- Financial 360 LLC
About Our Guest:
Joshua T. H. Charles, founder of Financial 360 LLC, is an experienced financial planner specializing in personalized estate and financial planning for diverse individuals, families, unmarried couples, and the LGBTQ+ community. Based in Washington, DC, Joshua’s practice spans several states, offering expertise in investment planning, estate provisions, retirement strategies, and asset protection.
With numerous credentials, including CERTIFIED FINANCIAL PLANNER™, ChFC®, CLU®, and ADPA®, Joshua provides clients with the tools and education they need for informed, long-term decision-making. He has been featured in major outlets like The Wall Street Journal and NPR, and serves as an Ambassador for the CFP® Board, frequently speaking at national events.
A graduate of Florida State University, Joshua combines his extensive experience with a passion for empowering clients to build secure financial futures.
Do you desire a wedding that’s distinctly personal, unique, and unforgettable, but won’t break the bank?
Discover the beauty of micro-weddings.
As more couples seek alternatives to large, traditional events, micro-weddings offer an intimate and often affordable way to celebrate without losing the magic. With fewer than 50 guests, these small gatherings free up time, money, and energy so you can prioritize what matters most to you in a big way.
Karen Coyne, CFP®, speaks with Jennie Swenson, founder of microWED collective, about her own journey planning an elaborate wedding that shifted to a smaller, budget-friendly, week-long celebration that was also deeply meaningful.
Listen in to reimagine what your wedding might look like and how you can create an event that’s uniquely yours.
Key Highlights:
- What is a Micro-Wedding? Micro-weddings host fewer than 50 guests, offering an intimate, personalized experience. Unlike elopements (no guests) or minimonies (simplified events with 20-30 guests), micro-weddings balance elegance and intimacy
- Cost Savings & Flexibility: Micro-weddings allow couples to save money without sacrificing quality, helping them invest in what matters most to them — be it food, venue, or experiences
- Prioritizing What Matters: Jennie advises couples to define their priorities early in the process — like budget, guest list, and venue — to make planning easier and ensure a personalized celebration
- Navigating Family & Societal Expectations: Jennie shares strategies for dealing with the pressure to host large, traditional weddings, including how to have tough conversations with family
- Jennie’s Personal Experience: Jennie hosted her destination micro-wedding in Southwestern Colorado with 38 guests. The week-long celebration allowed her to focus on meaningful time with loved ones, avoiding the stress of a larger event
- Top Tips for Couples: From outlining priorities to managing guest expectations, Jennie offers essential advice for those considering a micro-wedding
- The Micro-Wedding Revolution: As more couples seek personalized and cost-effective alternatives, micro-weddings are becoming a major trend in the wedding industry
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Jennie Swenson:
- LinkedIn: Jennie Swenson
- microWED collective
- Instagram: @that_microwed_girl
About Our Guest:
Jennie Swenson, once a project management leader and business strategist, has transformed her career to become a blogger and digital marketer with a passion for all things small weddings. Drawing from her experience planning a micro-wedding, Jennie now runs a blog that’s a go-to resource for couples planning intimate celebrations. From free planning tips to a handpicked vendor directory and real wedding inspiration, her blog is full of thoughtful advice. When she's not writing, Jennie is soaking up life in Fort Collins, Colorado, where she loves spending time outdoors with her husband and their dog, Iris, tending to her garden, and staying active.
Sports betting might seem harmless fun, but it can quietly wreak havoc on your wallet and well-being. With apps making it easier to gamble, the risks are rising and are not always obvious.
Karen Coyne sits down with Amara Durham, co-founder of Urgent Care Mental Health, to talk about the hidden dangers of sports betting addiction. Amara shares how gambling can lead to financial ruin and strained relationships and why financial advisors need to help families spot the warning signs.
Don’t think that it can’t happen to you or your family; take a listen and learn to better recognize addiction, set boundaries, and include protective measures in financial planning.
Key Highlights:
- The Hidden Risk of Sports Betting: How the normalization of betting through mobile apps and media is making it dangerously accessible, especially for young people
- Gambling & Addiction: Understanding the deep connection between gambling addiction and other mental health challenges, like substance abuse and personality disorders
- Impact on Different Demographics: How gambling addiction affects people across all income levels and why it can be particularly harmful to wealthy families and young individuals
- Financial Advisors’ Role: Why financial planners need to address addiction in conversations about financial and estate planning to help protect clients from its impacts
- Practical Advice for Families: Tips on how to set personal boundaries around gambling and start meaningful discussions about the risks involved
- Resources for Help: The growing importance of resources like 1-800-GAMBLER and the role of advisors in guiding clients toward the right support systems
- And much more!
Resources:
- Why We Must Address Addiction in Financial Planning with Amanda Koplin
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Amara Durham:
- LinkedIn: Amara Durham
- Website: Amara Durham Consulting
- Facebook: Amara Durham Consulting
- X: Amara Durham Consulting
About Our Guest:Amara Durham works with clients of all ages suffering from mental health and substance use issues to develop strategies for assessment, intervention, treatment, aftercare planning, and accountability. Amara combines her experience in the addiction treatment industry with her legal knowledge to guide families, attorneys, trustees, and other professionals through the overwhelming number of resources in the fractured healthcare and insurance industries. She creates bespoke teams of experts including medical and mental health providers, legal counsel, and professionals who best fit her clients’ needs.
Quitting has such a negative connotation today. But quitting isn’t always a terrible thing. In fact, it can be a powerful and positive skill.
In this episode, Karen Coyne and Amani Zaveri examine the misunderstood art of quitting. For starters, the Latin root word for quitting, quietus, is closer to liberating than it is to failing.
Karen and Amani connect financial habits to the concept of quitting, offering fresh insights on using savings for intentional life changes. They explore when it’s time to quit — whether a job, relationship, or hobby — by recognizing signs like persistent dissatisfaction, an overloaded schedule, or mental disengagement.
(This episode reminds us that quitting, when done thoughtfully, can be a powerful step toward a more authentic and fulfilling life!)
Key Highlights:
- Quitting as Liberation: Redefining quitting as a positive and necessary life skill for personal growth
- Financial Decisions & Quitting: Linking financial habits to the strategic use of quitting for intentional life changes
- Knowing When to Quit: Recognizing the signs that it’s time to let go and move forward
- Quiet Quitting: Understanding how disengagement extends beyond the workplace to relationships and activities
- Benefits of Quitting: Discovering the mental clarity and renewed energy that come from making the right decisions at the right time
- Navigating the Emotional Side: Handling the grief and loss that may accompany quitting, with support from others
- Practical Tips: Regularly reassessing your life’s direction to ensure you’re aligned with your true goals
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Amani Zaveri:
- LinkedIn: Amani Zaveri
- Global Soul Travel
- Substack for Amani’s travel business
- Book a complimentary exploratory call
About Our Guest:
Originally from India and born and raised in Hong Kong, Amani has been in the luxury travel space for 12 years. After working as a members-only concierge for 9 years, she launched her own luxury travel agency where she works with high-net-worth individuals and companies for their travel needs. She's planned everything from Indian destination weddings to a year-long round-the-world trip for a family and everything in between.
Amani's desire to start her own business was propelled by a need to have more flexibility and spend more quality time with family. She's passionate about helping female entrepreneurs create balance in their lives so they don't have to choose their careers or personal life.
What if you could stop overthinking and start doing? What if you could show courage while on the darkest, most difficult road in your life?
Cara Brookins did just that by building a house with her kids using YouTube tutorials.
In this inspiring episode, Karen Coyne welcomes Cara to share her extraordinary story of courage, resilience, and the power of going all-in on a bold, radical idea. Cara, a mother of four, fled an abusive relationship, which led her to build not only a home but also a new outlook on life for herself and her children.
Talking points include:
- Building Against All Odds: Cara shares how extreme adversity led her to the radical decision to build a house with her kids, turning a need for stability into a family project
- Family Bonding Through Building: The hands-on experience of constructing the house helped Cara's children, aged 17, 15, 11, and 2, to regain control of their lives and heal from trauma
- Impact of No Plan B: Cara emphasizes the significance of grit and resilience, illustrating how fully committing to a goal without fallback plans can lead to monumental achievements
- Financial Struggles and Resilience: Undertaking this project during the 2008 financial crisis added an extra layer of difficulty as Cara navigated securing a construction loan amidst economic turmoil
- Motherhood and Resilience: Cara reflects on the profound impact this project had on her children, fostering resilience and confidence that have carried into their adult lives
- Choosing to Speak Up or Stay Silent: In considering whether or not to share her deeply personal story, Cara decided she could not remain silent
- Encouragement to Pursue Big Dreams: The episode concludes with a powerful message about tackling big challenges and fully committing to one’s goals, inspired by Cara’s incredible journey
- And much more!
Resources:
- "Rise: How a House Built a Family" by Cara Brookins
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Cara Brookins:
- LinkedIn: Cara Brookins
- CaraBrookins.com
- X: @cmbrookins
- Facebook: Cara Brookins
- Instagram: @carabrookins
About Our Guest:
Cara Brookins is best known as the mom who built her own house with her kids using YouTube tutorials. With her eager construction crew consisting of her four young children, Brookins laid the block, framed the walls, and even ran the plumbing and gas lines for her two-story house. She shared her story in her #1 best-selling memoir, "Rise: How a House Built a Family".
Now an international speaker and author, Cara’s incredible story went viral amassing more than two billion views in over 100 countries.
Ever felt disconnected from your financial goals? Consider writing a statement of financial purpose to better connect your money with personal meaning.
Join Karen Coyne as she engages in a thought-provoking conversation with Alina Fisch, the founder of Contessa Capital Advisors. This episode explores how aligning financial goals with personal values can lead to more fulfilling and intentional financial decisions.
Key Highlights:
- Statement of Financial Purpose: This tool aligns personal values with financial goals, making financial planning more meaningful
- Tailored Approach: Alina shares a story of a client who transitioned from a corporate job to entrepreneurship by aligning her financial plan with her personal values
- Quality of Life Focus: Women often approach finances with a focus on life quality rather than just financial metrics
- Future Visualization: Visualizing long-term goals can make present-day financial decisions more impactful
- Long-Term Perspective: Research shows that considering a longer-term perspective on life can enhance well-being
- Practical Advice: Alina advises starting with long-term goals and adjusting current spending to align with these goals. She emphasizes making the financial planning process enjoyable
- And much more!
Resources:
- Hal Hershfield
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Alina Fisch:
- LinkedIn: Alina Fisch, CFA
- ContessaCapitalAdvisors.com
About Our Guest:
Alina Fisch, the founder of the independent, fee-only RIA Contessa Capital Advisors, has worked in financial services for more than 25 years. Her focus now is helping single and divorced women with their finances, a topic she also loves to write about. (For more information and to subscribe to her weekly posts: ContessaCapitalAdvisors.com) A single mother herself, Alina loves to travel with her teenage son and is an avid reader, animal lover, and occasional vegetable farmer.
Are we really practicing self-care, or just buying it?
Join Karen Coyne, CFP® as she explores the real meaning of self-care with Taylor Elyse Morrison, coach, speaker, and author of "Inner Workout." Taylor shares her journey from struggling with self-care to making it her career and challenging the commercialized view of wellness along the way. She emphasizes that self-care is about internal reflection and responding lovingly to one's needs. While we don’t necessarily need to purchase self-care solutions, there is a cost to ignoring our well-being.
Key Highlights:
- Redefining Self-Care: True self-care is about listening to yourself and responding with available resources, not just buying products
- Listening Within: Many find it hard to pause and listen amidst a busy life. Effective self-care means understanding and addressing personal feelings
- Tailoring Practices: Tailor self-care practices to your individual needs to avoid misalignment
- Proactive and Responsive Practices: Scheduled check-ins, body scans, breathing exercises, and journaling can help maintain self-awareness
- Don’t Ignore Your Needs: Regular, intentional self-reflection helps break the habit of ignoring one's needs
- Accessible Self-Care: Self-care doesn’t have to be expensive or solitary. Taylor provides resources, including an app and a self-care assessment on her website
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Taylor Elyse Morrison:
- LinkedIn: Taylor Elyse Morrison
- Instagram: @taylorelysemorrison
- TaylorElyse.com
- InnerWorkout.co
About Our Guest:
Taylor Elyse Morrison turned being bad at self-care — and being firmly convinced of every human’s potential — into a career. She’s the founder of Inner Workout and the award-winning author of a book by the same name.
Recently named one of Fortune’s 10 Innovators Shaping the Future of Health, Taylor is tired of aspirational 'wellness as usual.' Instead, she makes well-being and personal development more accessible.
You're just as likely to see Taylor facilitating a workshop at a Fortune 100 as you are to see her talking about TikTok and body image with a high school class. Wherever she goes, Taylor's sure to use her coaching, mindfulness, and movement training to meet people where they're at and offer actionable steps toward creating a world without burnout.
How does addiction intersect with financial planning, and what role can financial advisors play in addressing this critical issue?
Karen Coyne discusses the complexities of addiction with Amanda Koplin, a licensed mental health counselor and CEO of Koplin Consulting. Tune in and discover the expansive definition of addiction and learn how it affects financial planning across all demographics, including wealthy families.
Key Highlights:
- Expanding the Definition of Addiction: Beyond drugs and alcohol, addiction includes behaviors like sports betting, shopping, and social media
- Understanding Root Causes: Addiction often begins with self-medicating for underlying mental health issues
- Concerning Statistics: 15% of American adults have a substance use disorder, and addiction-related deaths are rising
- Addiction Among Older Adults: The role of prescribed pain medications leading to opioid and heroin use
- Role of Financial Advisors: Recognizing cognitive decline, elder abuse, and addiction in clients
- Building Trust with Clients: The importance of open-ended questions and creating a safe space for discussions about addiction
- Challenges for Affluent Individuals: Addressing addiction amidst fear of public scrutiny and stigma
- Advisors as First Responders: Recognizing signs of trouble and connecting clients with the right resources
- Empathy and Compassion: Treating clients as family members and approaching the role with care
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Amanda Koplin:
- Koplin Consulting
- LinkedIn: Amanda Koplin, LPC
- Instagram: @ucmh_crisiscare
- UCMH.com
About Our Guest:
Amanda Koplin, LPC, is a mental health counselor, entrepreneur, and thought leader who creates innovative solutions to fill gaps in the mental healthcare system. In 2014, she created and developed an idea for a mental health urgent care clinic and sold it in 2016 to create Koplin
Consulting, a nationwide concierge mental health treatment team service. Amanda is passionate about helping people achieve mental wellness and creating sustainable support systems and solutions that integrate seamlessly into real life.
She is a speaker and a nationally sought-after consultant who specializes in creating
unique treatment plans and recommendations for individuals struggling with psychological concerns such as addictions, eating disorders, lack of motivation, and other issues impacting mental wellness. She is particularly adept at involving trusted advisors and family members in order to create the greatest impact.
Ever wondered how harnessing positive energy can transform your workplace dynamics?
Join Karen Coyne as she explores the profound power of positive relational energy with Kafi London. Get ready to explore clever strategies to combat burnout and enhance your leadership through human connection and dynamic energy.
Key Highlights:
- Positive Relational Energy: How contagious energy between people transforms workplace dynamics
- Personal Journey: From corporate success to burnout, Kafi's pivot to energy-focused leadership
- Ripple Effect: How positive energy influences leaders, teams, and clients
- SparkAbility Factor: The five tenets with a focus on vitality, vibe, and voice
- Energy Practices: Tips for maintaining high energy levels, including short meditation sessions and "boogie breaks"
- Effective Communication: The importance of tone and delivery in leadership
- AI vs. Human Connection: Emphasizing the irreplaceable value of authentic human interactions
- Virtual Engagement: Techniques to bring energy to remote teams
- Energy Audit: Assessing and improving personal energy for a better presence
- And much more!
Connect with Karen Coyne:
- Clarity Planning
- team@raymondjames.com
- 301-739-7002
- LinkedIn: Karen Coyne, CFP®
- X: @karencoyne
- YouTube: @karencoynecfp
- Instagram: @moneywithoutmath
Connect with Kafi London:
- Kafi London
- LinkedIn: Kafi London
- Instagram: Kafi London
About Our Guest:
Kafi London, a seasoned leadership expert with over 30 years of experience in the people game, partners with leading organizations in the US and UK to elevate their leaders, teams, and talent. As Chief Energy Officer and Author of Fired Up! How to Lead with Energy Kafi is a dynamic facilitator, speaker, and communication coach whose unique approach will help you leverage positive energy to keep your client and team interactions fresh, memorable, and impactful.
Regardless of what field you work in, the size of your organization, and whether you are just starting out in your career or are a seasoned leader - the future of work affects all of us. Today we will take a look at trends affecting the workplace and how we can best prepare for the changes ahead. For starters, the pandemic put remote and hybrid work in the spotlight and reset expectations around where and how we work; how does this look going forward? What are the implications of the increasing presence and utilization of AI? Will the increased awareness around wellness continue, or fizzle out against pressures of an aging workforce and other challenges? What are we not even seeing or thinking about that we need to be? Dr. Janel Anderson is a future of work speaker, author, and strategist who joins us to answer these questions and more.
Do you daydream about leaving your corporate job and pursuing more of what really lights you up? Are roadblocks like financial considerations, time constraints, or a lack of confidence standing in your way? The thing is, there will rarely be a clear path or a perfect time to do anything. Whether it’s your work, your money, relationships—anything—if you want to change your life, you need to get off of auto-pilot and start living more intentionally, stat. It’s not too late to change your life! It helps to hear from people who’ve taken similar steps, and our guest today is still knee-deep in her own journey. Danielle McCombs didn’t just dream of a different life, she’s living it and coaching others to do the same. Join us for real talk about packing up, starting over, overcoming doubt, facing risk, and tuning out the messages that don’t apply to you.
Since the pandemic, many Americans are thinking about death more, but they still don’t want to TALK about it. It turns out most Americans would rather talk about sex, politics, religion, money—any of the traditional taboo topics—over death. Not surprisingly, they haven’t planned for death either, and a number admit to hoping they die a quick death and avoid end-of-life planning entirely. Unfortunately, that’s not exactly a plan. Opening up the conversation around death is essential before moving on to the practical and emotional preparation. Guest Gail Rubin is an unconventional death educator who uses humor, games, films, and more to bring light to this dark topic. If you’ve been avoiding planning—or talking—about the inevitable, let this be your sign from the other side!
Social Security is a significant source of income for most retired Americans. But understanding the rules and benefits of the program is no easy task, and it’s made even more difficult by the amount of misinformation that is regularly circulated. In this episode Marcia Mantell, Owner and President of Mantell Retirement Consulting, Inc, addresses some common myths and misconceptions. You’ll learn how marriage and divorce can impact your benefits, the cost of underestimating longevity, the unknown Medicare connection to HSA contributions that can lead to tax complexities, and more.
Viral dance videos helped cement TikTok’s popularity, but it offers more than just entertainment. As the most downloaded social media app, TikTok has become a force as a search engine, particularly among younger generations. A 2024 survey by Adobe cites that 4% of Gen Zers and 49% of millennials saying they’ve used TikTok as a search engine. And a significant chunk of these younger users are using the site as their go-to source for financial advice. When it comes to personal finance content, creators, or “finfluencers” run the gamut from ex-Wall Streeters to young professionals with no finance background who share their personal experience with common challenges like paying off debt or building credit. In contrast to the stuffy, boring world of traditional finance, it’s no surprise that TikTok’s edutainment approach to all things money has been effective. But with popularity, and without regulation, there are also plenty of bad, and very bad takes. In this episode, Anna N’Jie-Konte, CFP®,President of Re-Envision Wealth, to discuss the good, the bad, and the ugly of TikTok finance.
You know you need to raise your fees or ask for a raise, but your fears are holding you back. You might be thinking: Am I good enough? What if there is pushback or retaliation? Talking about money is hard enough, asking for more money can be very daunting! Negotiating tips and tactics are great, but first you need confidence to overcome your fears. Kathleen Burns Kingsbury, Wealth Psychology Expert, helps professional women and entrepreneurs do just that.
Resources:
https://www.breakingmoneysilence.com/negotiation-mindset/
Have you ever evaluated, honestly, your relationship with money? If you did, would you find that you are you dismissive and disrespectful? Or are you nurturing, supportive, and understanding? This isn’t a one-night stand, this is a lifelong relationship, so it’s important to get it and make it right. What if you could talk to money, be a better partner, and improve your relationship? Financial intuitive and money expert Ellen Rogin, CPA, CFP, helps professional women and entrepreneurs tune in to the messages from money, and she can help you, too.
Menopause affects millions of women every year and wreaks havoc in many ways. We’ve all seen the well-known symptoms caricatured on sitcoms and in movies, but the havoc can run much deeper than hot flashes. It can be costly, from direct medical expenses to personal relationships to women leaving the workforce. Many women feel unprepared to deal with the physical and mental changes and are further frustrated by the lack of education and conversation around menopause. Maryon Stewart has been referred to as the Pioneer of the Natural Menopause Movement and joins us to talk about menopause myths, mayhem, and management.
Anita Knotts started her career in financial services 30 years ago as a sales associate, she probably didn’t know that one day, she’d be a mainstage speaker sharing her insights as an executive and leader and calling for change in this male-dominated, slow-to-change industry. But that’s exactly what happened. Today, as the Founder and CEO of Lotus Women’s Institute, Anita is passionate about bringing more women and people of color into the industry. In this episode, Anita shares some of her “Lotus Lessons” on how to approach the challenges—and opportunities—that women encounter in male-dominated industries such as finance, including some of the tough truths you need to hear.
Have you been thinking about transitioning to a new career or role in midlife? Or maybe now that your kids have flown the coop, do you find yourself struggling to define your identity and interests? If you know and feel that you need to make some changes, but don’t know where or how to begin, know that you don’t need to do it alone. Judy Schoenberg and Linda Lautenberg are midlife career transition coaches serving women looking to relaunch, pivot or level up their careers in their 40s, 50s, 60s and beyond. Take a listen for actionable advice and inspiration. It’s never too late to rediscover who you are and write your next chapter.
You might think it’s a good idea to add your adult child or children to the deed of your house so that the asset passes to them after your death. But is it? A deed is a legal document and as such, there are legal, tax, and other financial ramifications that come with changing the deed. Samantha Wolfe, Founder and Owner of The Law Offices of Samantha K. Wolfe LLC, is an estate planning attorney in Pennsylvania who frequently fields this question. In this episode we discuss some of the tradeoffs and unintended consequences that can result when you make changes to a deed. We also address the broader topic of gifting assets during your lifetime (vs. at death). Take a listen and learn why you may or may not want to add your kids to the deed.
Dr. Regina Lark was 50 years old when she was laid off and then set out to turn a personal service business into a 7-figure income. Today, she is an organizing and productivity specialist and the author of “Psychic Debris, Crowded Closets: The Relationship Between the Stuff in Your Head and What’s Under Your Bed.” As an entrepreneur, author, speaker and TEDx alum, Regina continues to reinvent herself while challenging others to disrupt the narrative of success. We’ll dive into her story and some of topics that she frequently speaks on, including emotional labor and why decluttering is so hard for some people. Regina’s energy and insight are contagious; listeners are advised that this episode may trigger laughter, new neurological pathways, and a desire to burn your bras.
If you have a high school senior or a student already in college, you are likely familiar with the FAFSA, or the Free Application for Federal Student Aid. Did you know that an overhaul of the FAFSA procedures is underway, thanks to the FAFSA Simplification Act? With fewer questions, modified formulas, and changes to income that is to be reported, completing the FAFSA this year might be more streamlined and less stressful. Note that for 2023 only, the FAFSA will be available in December instead of the typical October 1 opening date. Returning guest Ann Garcia, aka “The College Financial Lady”, Owner of Independent Progressive Advisors discusses all of these changes and more in this episode.
When you hear the word “midlife” what comes to mind? Is it “crisis?” Do you see gray hair, or think about menopause, hot flashes, and irritability? Midlife may have once meant suffering in silence, but it doesn’t have to be that way. What if instead, we immediately imagined someone living with more joy, confidence, and purpose than ever before? Michelle Newman is a performance coach helping women thrive in mid-life, in what she calls “The New Mid.” When she set out to find herself beyond the roles of mom, daughter, wife, or executive, she realized that in mid-life, “we are not invisible, but invincible.” In this episode, we’ll discuss the challenges of midlife, how we think about money, and why the best is yet to come.
If I had to name the top 3 roadblocks I see in financial planning, you might be surprised that none of them have to do with lack of math skills or financial acumen. Most of the roadblocks are tied to our human nature, including our instinctive seeking of pleasure and avoiding pain, which can lead to a myriad of challenges. Today we will dig into one in particular: procrastination. Leslie Josel, award-winning author and international speaker, is a productivity and time management expert who knows the procrastination cycle well. In this episode, we’ll discuss the true definition of procrastination, why we procrastinate, and how mood plays a role. We’ll also distinguish time management vs. motivation management, and how to use your environment to your advantage. Whether it’s housework, homework, or your finances, take a listen and learn how to stop procrastinating and start conquering.
Protecting family wealth is an endeavor that might include establishing trusts, insurance policies, and business succession plans. Throw in some emotional roadblocks, tough conversations, and family dynamics, and it’s not hard to see why “shirtsleeves to shirtsleeves in three generations” is an expression that can be found on multiple continents. When one advisor sensed that her third generation client didn’t fully appreciate what her grandfather and parents had built and left for her, she set out to write “The Letter.” Nicola Tomlin helped a granddaughter connect to a grandfather she never knew as well as his “spend a little, save a little, invest a little” philosophy through that letter. Nicola is a contributor to “More Than Money: Real-Life Stories of Financial Planning” and serves as Branch Principal and Senior Investment Manager at Raymond James Investment Services Hart in Hampshire, UK. In this episode we discuss her own experience working in a multi-gen business, how she is preparing her own children to be responsible with wealth, and why you might want to consider hosting a “will party.”
Why do you save and invest? The individual details may vary, but for many the common denominator is financial freedom. This might mean owning your assets outright with no debt, being financially positioned for emergencies, or no longer needing to work to earn income. Guest Stoy Hall, CEO and Founder of Black Mammoth, shares his definition of financial freedom and some of the unexpected benefits and challenges that come along with it. Whether you are already taking steps to achieve financial freedom or need some motivation to get started, take a listen and consider how you want to define it for yourself.
Where there’s cash, there’s potential for conflict. Add in family and the combinations are endless! From disputes over picking up the tab to loans and inheritances, addressing financial conflicts with family is a reality that comes in many forms. In this episode we are joined by Ashley Quamme, a certified financial therapist and a licensed marriage and family therapist. We discuss sources of conflict, how to say yes, how to say no, and how to keep the peace. As family businesses are a common source of conflict, we dive into the dynamics and how you can tackle problems before they even begin.
Congratulations, you’ve graduated! Whether from high school, trade school, or university, your next chapter includes an Intro to Adulting 101 and its companion class, Money 101. You’ll be learning more about taxes, inflation, debt, and plenty more that they probably didn’t teach you in school. In this episode, we are joined by Cary Carbonaro, CFP® Professional and author who has spoken all over the world on financial literacy. She shares her top financial advice for young adults. Take a listen and share with the new graduates in your life.
Inflation, debt ceiling, bank failures. Financial advisors and the industry often want to talk about technicals and the crisis du jour, but is this what most clients want to discuss? What are investors most concerned about right now? Are their needs being met and how can we change this?
Guest Julie Littlechild, CEO of Absolute Engagement, will share takeaways from her recent research that addresses the disconnect between the industry and end users. We discuss how we can use these findings to help investors articulate their concerns and guide their financial advisors to shift the way they deliver advice. We’ll also address client confidence, challenges couples face, and the role an advisor can play. If you are considering hiring an advisor or want to engage on a deeper level with the right one, take a listen.
Known as the lost generation, the sandwich generation, and latchkey kids, Generation X is now aged roughly 43 – 58 years old (born between 1965-1980). We’ve been sandwiched between the 2 larger generations before and after us, the Boomers and Millennials, and we are also sandwiched between raising our children and caring for aging parents—basically we’re in a double-decker sandwich. Gen X is often characterized as independent and cynical, so it’s not surprising that many of our peers report feeling less than optimistic about retirement. But the oldest Gen Xers are only 4 years away from being eligible to begin social security, so it’s time to get real! Lazetta Rainey Braxton is a financial expert and fellow Gen Xer who joins me to discuss her own journey and share the conversations she’s having with clients rounding the corner from grinding to easing up. Now is the time to reflect not just about money, but what life holds in the next half. Take a listen to this message from 2 fellow Gen Xers, with love.
For many small businesses to succeed, it’s important to get inventory management right. Have you ever considered doing a complete inventory of your personal life? Do you know what you have and can someone easily locate it if needed? Consider financial documents, your social media passwords, family recipes, decades of photos, medical records, emergency contacts and everything in between. Kristie Kindstrom, CEO & Founder at Your Honeycomb is a longevity expert who helps you gather, catalog, and securely store these for you and your family. In this episode she discusses the ways to be prepared for the different phases in your life in a manageable way.
The 401(k) is a well-known retirement savings vehicle, but how well-understood is it? This episode is your intro class, geared towards helping you better understand the basics, from tax benefits, investment options, loans, to what happens when you leave your job. Tim Guilford, President of Guilford Retirement Services, works exclusively on developing and managing retirement plans. In this episode, we also discuss the recent provisions included in the SECURE Act 2.0 that allow you to pay off student loans while saving for retirement, new Roth rules, and more. If you are enrolling in a 401(k) for the first time, or want to gain a better understanding of the moving parts, take a listen to finally get clear on what your 401(k) can do for you!
Whether you are preparing to move to a smaller home or are helping your aging parents or family members, just the thought of downsizing or “rightsizing” can induce panic and anxiety. Living in the same place for decades and raising a family is typically accompanied by all the things that filled those days: clothes, books, furniture, papers, pictures, products, stuff. And attached to all that stuff are memories and emotions, making the task of cleaning out and organizing even harder. In this episode, we are joined by Mindy Godding, a Certified Professional Organizer with credentials in ADHD, hoarding, and aging issues. We dive into the physical, emotional, and financial challenges tied to clutter, how to engage our children and teach them good habits, and how to handle generational differences related to the value of our stuff. Take a listen and learn to let go with an abundance mindset.
How many times have you heard, or said yourself, that kids should be learning financial topics in school? While that may be true, there’s more than one outlet for increasing financial literacy. Perhaps you want to initiate these conversations at home, but don’t know how. Enter Mac Gardner, author, speaker, CEO, and financial literacy advocate. His Four Money Bears initiative helps children understand the why and how behind money decisions so they can grow to practice healthy financial habits. In this episode, we discuss the 4 Money Bears rules and how we can use them to teach our kids about money.
While it’s not uncommon for college-bound students to prep, test, and re-take admissions exams to improve their scores, the college essay receives much less formal attention. And that’s crazy given that for many students, it’s a significant component in a college application. In surveys of colleges and universities, essays fall right behind grades, rigor of the curriculum, and standardized tests in importance. A good essay can push a student into the accepted column; for many of the most selective schools, students have to write a good essay. And, a standout essay can not only make a difference in admissions, but in financial awards as well.
Our guest today, Barak Rosenbloom, is the Founder of Essay Mentors. In this episode, we’ll discuss what makes a great essay (that could be worth thousands), where essays go wrong, and the role of essays in our tech-rich world and ever-changing admissions environment.
When was the last time you thought about your childhood dreams and
wishes? Before you chose your college major or career path, and before the world of what ifs collided with the real world—what spoke to you, interested you, and excited you? Whether you are heading towards retirement or ready to make some changes in your life, first you might want to take a step back...way back. Dialing into your childhood thoughts, memories, and dreams can help you tap into what you really want more of in your life. Traci Richmond, President of The Meakem Group, uses a “Dream Book” exercise to help clients unearth those dreams and passions as they prepare for their next chapters. Take a listen and start working on your own Dream Book!
Credit cards get a bad rap, but they come with a number of consumer benefits and protections that you might not even be aware of. Some of these protections can save you thousands of dollars! Richard Kerr, Senior Director of Travel at Bilt Rewards, is an expert on loyalty programs and credit cards. From hotel and airline cards and points to the newest loyalty options, he’s in the know. He joins us to explain some of the protections your cards may offer, as well as considerations in picking a card and much more. Listen & learn how to make the most of each swipe of your card.
Planning for college is not just a financial challenge, it’s also very emotional—for both parents and their students. In the battle of dream schools and “the college experience” vs. the family budget, the latter is usually trampled. How badly? Recent stats show that Americans owe more than $1.7 Trillion in student loan debt. The costs are overwhelming, but it doesn’t have to be that way. Ann Garcia, a.k.a. “The College Financial Lady” and author of How to Pay for College, dispels some of the myths that can lead families to under-save or overspend on college. Listen and learn how to cut the costs, set expectations for your kids, and very importantly, why you can’t wait until your child’s senior year to start planning. Ann also shares the latest information with regards to student loan forgiveness.
Romance or sweetheart scams occur when a criminal adopts a fake online identity to gain a victim’s affection and trust. The scammer then uses the illusion of a romantic or close relationship to manipulate and steal from the victim. These criminals appear on dating sites, but can also creep up in your social media messages, in email or other apps. Seniors tend to be the most vulnerable and those age 70 and older reported the highest median losses. Marguerita Cheng, CFP®, CEO of Blue Ocean Global Wealth, shares her personal experience with romance scams in hopes of helping others. We discuss the red flags to look for, how to protect yourself and your loved ones, and helpful resources.
Prenups have long been associated with the rich and famous. But not only is this thinking incorrect, it could be financially devastating. Assets are only part of the equation; consider that young Americans are holding record levels of debt and also bringing that into a marriage. Marriage is one of the biggest financial decisions many of us will make in our lives, with a known, high failure rate, yet it’s not often given the additional consideration that is needed. Our guest today is Kaylin Dillon of Kaylin Dillon Financial Planning; she specializes in planning for couples with prenuptial agreements and blended families. Kaylin will help dispel some of the myths and stigma around prenups, and she explains what prenups can and can’t do. You may find yourself thinking you need to spend less time on wedding event planning, and more time on partnership planning.
The self-help industry spans from bookstores to conference centers to Twitter threads. With all of this information, why do we still find ourselves struggling to make the desired improvements to our lives? As our guest Austin Brown points out, “If the key to success was information, we’d all be billionaires with six-pack abs.” Not only is willpower not enough to effect change, but books, blogs, positive thinking and even podcasts (!) will only get us so far. We have to take action, consistently. This is where our habits can make or break us. As a coach and founder of Routine Coaching, Austin shares his top insights from the James Clear bestseller, “Atomic Habits.”
Most of us have heard of the gender pay gap, referring to the roughly 82 cents women earn for every $1 earned by men. What has not garnered as much attention are the wealth gaps that exist: It’s reported that US women own just 32 cents per $1 of male wealth—and this number is even lower for black and Latina women. Our guest Renée Baker, Head Advisor Inclusion Networks at Raymond James and TEDx Speaker, will share takeaways from her recent TED Talk and actionable ideas on how we can work to close these gaps.
Disability planning is a tricky and complex maze that requires understanding the nuances of Social Security benefits, Medicaid waivers, as well as state and federal benefits. If your child has autism, cerebral palsy, down syndrome, or any other Intellectual/Developmental Disability (IDD), it’s especially important to engage in financial planning with experts who are familiar with your unique challenges and concerns. From how and where to get started, to planning for care after the death of a parent or caregiver, guest Eric Jorgensen opens up the conversation in a very personal way. As founder of True North Disability Planning and father of an autistic son, Eric’s own experience has driven him to help other families find their way on this very challenging path.
Money decisions are inherently messy, because we are humans, not robots. As humans, we have brains that haven’t changed in thousands of years, and yet must reconcile the here-and-now with an uncertain future. Guest Neil Bage, co-founder of Shaping Wealth, is an applied behavioral science specialist working to bridge theory and the real world to help us make better money moves. We discuss the problem with goals, how terrible we are at predicting the future, and how we can use these insights when planning for our futures and major transitions like retirement.
Alzheimer's is a disease that slowly takes our loved ones away from us as it destroys memory and thinking skills. It’s the most common cause of dementia in older adults and kills more people than breast cancer and prostate cancer combined. The disease can also take a toll on those called upon to provide care, usually family members and friends who contribute countless hours of support. If you are a caregiver or expect to be called on to fill that role, there are significant emotional and financial demands to manage. Mary Moreland is a lawyer by trade, but was also the primary caregiver for her mother who lived with Alzheimer's for over a decade. Mary’s newly released book, The Gap Between Loving and Supporting Someone with Alzheimer's, is part memoir, part practical guide to navigating documentation, finding care, and providing support and advice. She wants to help others by sharing what she wished she had known at the start of her own journey.
Whether you’re just getting started or have been investing for years, the number of investment options to choose from can be overwhelming. What’s ESG? Should I buy crypto? Active ETFS or mutual funds? Some of these options are compelling, but it’s important to understand key factors before diving in. Loren Fox is the director of research at Boston-based FUSE Research Network. He has been researching, writing and speaking about trends in the investment industry for 16 years and joins us to help evaluate these trending investments.
Estate planning isn’t just about you, money, and taxes; it’s mostly about the ones you love. Patricia De Fonte is an estate planning attorney and founder of De Fonte Law PC. She is passionate about delivering thoughtful counsel to help her clients preserve family harmony through careful and customized planning that also reflects their vision and values. In this episode, we discuss why a will is not enough, the importance of healthcare directives, what a trust can do for you, and why you might not want to DIY when it comes to creating effective and personalized documents.
Opinions expressed are those of Karen Coyne and not those of RJFS or Raymond James.
Securities offered through Raymond James Financial Services Inc. Member FINRA/SIPC
Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. Karen Coyne, Financial Advisor located at 12920 Conamar Dr., Ste. 202 Hagerstown, MD 21742, Tel 301.739.7002.
After almost a 6 month hiatus, we’re back! At the beginning of the year, Maria Gamb, Founder and CEO of coaching and training company NMS Communications, joined Karen to discuss how to reconnect with your purpose and find your spark. Typically January is an exuberant time, as we look out upon a new year as a fresh start, a new beginning. This past January seemed to usher in a new year with a sense of general malaise, exhaustion, and indifference. If you are feeling like you’ve lost your spark, you are not alone. Listen as Maria talks about how to help you pinpoint where you are in “The Great Reset,” which is all about getting clear on what you truly want in your life.
Daily Set Point: https://bit.ly/DailySetPoint2
Anatomy of the Great Reset: https://bit.ly/AnatomyOfTheGreatReset
In a culture of hustle, grind, do more, get more, be better, go faster, now, when do we know when to say, “enough?” And more specifically, how do we reconcile more and enough when it comes to our money? Behavioral finance expert Brian Portnoy, CFA, PhD, and author of “The Geometry of Wealth,” joins us to explore the intersection of time, money, living a joyful life, and the pursuit of enough in these noisy and busy times.
What do you picture or think about when you hear the word “accountant?” Boring bean counters, debits and credits, nerdy number crunchers? Cece Leung, CPA, Founding Partner of The Entrepreneur CFO, podcast host and author of “Dear Accountant” is on a mission to change that. Cece is also a mentor and coach who shares her experiences and insights to elevate young professionals entering the field. Accounting plays a critical role in every business, and it doesn’t have to be boring! You might not have realized it, but a career in accounting can be quite versatile and lead to a wide variety of professional pathways. If you are just entering the field or considering a career in accounting, take a listen!
Do you think you that you need a degree in economics or finance to truly get a grip on your finances? Think again. It turns out, getting a grip on your habits and behaviors is actually more impactful than knowing how to evaluate stocks or describe the IPO process. You don’t need to be a math whiz to be good with money; you need real life skills. Dr. Moira Somers, Psychologist, Professor, and Author of Advice that Sticks: How to Give Financial Advice that People Will Follow, specializes in helping families and their advisors sharpen those life skills that are foundational to having a healthy and productive relationship with money. We discuss her top 10 list of financial skills and how you can build these with your family.
It’s been said that so much time and energy is spent on preparing the assets for the family, but not the FAMILY for the assets! No wonder that a reported 70% of family wealth doesn’t survive past the second generation. Creating a family mission statement is a way to bridge these gaps and strengthen the concept of a family legacy. This is not about numbers or inheritance details; it’s about sharing family history and traditions, values and aspirations. Kathy Longo, CFP, CAP, CDFA, President and Founder of Flourish Wealth Management, shares how she helps initiate these conversations and helps her clients create their own family mission statement.
The challenge of balancing professional and personal pursuits has most often been approached as a women’s issue. But men are also struggling with the same issues. They may feel less comfortable discussing the issues, and/or nobody is asking. So we did! Max Schatzow, Partner of Stark and Stark joins us on this episode to open up the conversation of work-life balance from a male’s perspective. Max’s spouse is also an attorney and he shares how his priorities have changed as life changes, why it’s ok (and necessary!) to outsource certain duties, and also reminds us that you can’t sweat the small stuff.
Kim Lear is a speaker, writer, researcher. She’s also the Founder and Content Director of Inlay Insights, a generational research firm. She describes generational theory as sitting at the intersection of history and culture, and points out that we talk about Baby Boomers, Gen Xers, Millennials, and Gen Z, we’re really discussing is change over time. In this episode, Kim helps us understand how these generational shifts may be the most human way of looking at changes that affect aspects of our lives including our money, marriages, wellness, and more. What does it mean to grow older today vs. 70 years ago? How have our expectations of marriage changed over the past 50 years? How has the parent-child dynamic changed? We discuss the trends she’s seeing with regards to how we live and work, and the best way to use these insights.
Whether in our personal lives or in a professional setting, difficult conversations are unavoidable. From money issues to breaking bad news or dealing with differences of opinion, some people are better than others at having these difficult conversations. What can we learn from them? Guest Dan Solin spent years researching studies in the fields of psychology and neuroscience and his findings reveal how we can make deeper connections and transform relationships. Dan is the New York Times bestselling author of the Smartest series of investing books. His latest book is “Ask: How to Relate to Anyone,” and in this episode we discuss the practical and immediately actionable ways you can improve communications, and the pitfalls to avoid.
It happens. It could be falling prey to a fraudulent investment scheme, or it could be your financial advisor or other trusted advisor running off with your life savings. Are there steps you can take to protect yourself in the first place? What happens if your worst nightmare comes true? David Meyer is the Managing Principal of Myer Wilson and the author of The Investor Protector. He joins us to share lessons learned from 20+ years of pursuing investor claims so that you can be better informed, and protected, as an investor. David shares the red flags you need to look for when vetting an advisor, the types of fraud he frequently sees, and why he still believes there is value in working with a financial advisor.
Do you own a small to medium-sized business? Have you noticed a decline in cash sales? When is the last time you personally reviewed bank statements for all of your accounts? These are just a few of the questions that Galina Guidry, President of ICAF Consulting, will ask during a consultation. Galina has over 10 years of practical experience in performing operational assessments for various companies, with a focus on fraud prevention and education. She shares personal stories that can help you identify different areas of risk in your business.
One year ago, the financial markets faced extreme uncertainty in the face of the Coronavirus pandemic and the subsequent shutdowns. Today, the markets are reflecting an enthusiastic reopening, accompanied by a booming housing market and widespread inflation concerns. Gary Stringer, CFA, President and Chief Investment Officer of Stringer Asset Management, LLC joins us to recap where we’ve been, how the markets are behaving now, and where they may be headed in the near future. We discuss the equity markets, why you don’t want to write off fixed income, what you need to know about gold and other commodities, and his take on crypto. If you have been wondering if this is a good time to invest, this podcast is a must listen.
A solid network is an intangible and invaluable asset. Like a rainy-day fund, you never know when you might need it! But if you don’t tend to it, it won’t be there when you need it the most. Guest Dana Lawrence is a speaker and mindful leader who has realized the benefits of regularly investing in her network. We discuss the different looks and approaches to networking, how to overcome the “ick” factor, and tips for introverts. You’ll have a new framework for thinking about networking—and one that is centered on being authentic and genuine.
You’ve probably heard the phrase “sellers’ market” more than once lately in reference to the real estate market. What does this really mean? The real estate market is hot right now and Gabriella Morrell, Realtor with the Waldner Winters Team, discusses what that entails. Gabriella shares considerations for both buyers and sellers, how each offer is truly unique, plus specific recommendations for first-time home buyers. We also discuss why For Sale By Owner isn’t always a money saver. If you have been thinking about buying or selling a home, take a listen!
It's no secret that sex and money often present challenges in a relationship. But are sex and money the real issues? Maybe, maybe not. Money alone can be difficult enough to discuss, and that’s before you layer on the many dynamics of a relationship. Joining us to open up these issues is Dr. Joy Lere, a licensed clinical psychologist and behavioral finance consultant. As Dr. Lere points out, “money is emotional currency, it is a feeling lightning rod,” and is strongly connected to feelings such as power, control, significance, and self-worth. Money often takes the relationship blame because it’s used as a vehicle to communicate other feelings in an adult game of “emotional show and tell.” Take a listen and learn how you can get on the same page as your partner when it comes to your money, your shared goals, your relationship.
The sale of a business is probably the largest and most significant transaction for a business owner. But it’s more than a transaction, and it’s more than just one moment; it’s a significant life transition. The failure to recognize and prepare for these moments before, during, and after the transaction are part of the reason why fewer than 30% of all businesses successfully transition to a new owner. Enter Denise Logan, The Seller Whisperer. She’s the best-selling author of The Seller’s Journey and she keeps people and deals from falling apart. With a background as a lawyer, social worker, and business owner, Denise is uniquely qualified to prepare business owners for the emotional process of selling a business. In this episode, we discuss why it’s so difficult to let go, and how owners can prepare for a successful transition. If you are a business owner, you don’t want to miss this episode!
In this episode Melissa Joy, CFP® is joined by Sarah Boston, CFP®, and Karen Coyne, CFP® to discuss the common attributes of their successful 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
Raymond James is not affiliated with and does not endorse the opinions or services of Sarah Boston or Bookends Financial Planning. Podcast is for informational purposes only. Opinions expressed are those of Karen Coyne and not those of RJFS or Raymond James. Securities offered through Raymond James Financial Services Inc. Member FINRA/SIPC Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Karen Coyne, Strategic Wealth Advisor located at 12920 Conamar Dr, Ste 202 Hagerstown MD 21742 Tel 301.739.7002
If you are someone who is seeking financial planning advice this episode is for you! There are many financial advisors to choose from, but they don’t all deliver advice or do business the same way. And if you’ve 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. 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? There’s a lot more to consider beyond investment strategy and potential returns, so take a listen!
Have you ever considered the money messages that may be holding you back? In this episode we are joined by Nicole Hand of Artist with Abundance, who is on a mission to reframe the negative money messages that affect artists in particular. The arts community is often subject to unconscious bias along with systemic money messages that are counter-productive, leading to feelings of self-defeat, stress, and shame. As a professional musician, Nicole had a “eureka” moment that led her to take action and make changes with how she approached her finances.
Not an artist? You might be surprised at how universal some of these themes are. Or you may have a child, a friend, or someone else close to you who is struggling to overcome the “starving artist” mentality. We identify some of the common messaging, and how to shift and reframe to a more positive and productive approach. These shifts are helpful not only for artists, but for anyone who has embedded money messages that may be holding them back.
How many times have you heard someone say, “It’s too bad that kids don’t learn more about money in school!” When it comes to personal finances, we can’t rely on schools to provide a comprehensive education for our children. But where do we begin?
Sheena Majette is the founder of Diamond and Pearls Girls Club, a non-profit organization dedicated to cultivating life skills for teenaged girls. Girls in the program participate in an interactive curriculum designed to build interpersonal skills and also learn about paying bills and financial planning. Sheena shares her personal experiences gained from raising three daughters and recommends how to introduce basic financial concepts. Hint: it doesn’t have to be complicated!
Are you a medical professional looking to buy, lease, or sell office space? Are you concerned about whether or not this is a good time to make a move? While some industries have embraced the remote work movement, healthcare still very much relies on office space. However, what many tenants are looking for has changed. Brian Perry of Health-Pro Realty Group shares some considerations for practices looking to upsize, downsize, or relocate. Whether you are a solo dentist or a practice with multiple locations, every deal has its nuances. Brian also shares tips for negotiations that result in a win-win for both renters and landlords.
Have you ever considered how your money mindset is helping or hindering your financial outcomes? Do you have a healthy, loving relationship with money, or are you afraid to even say the word? Emily King joins us on this fun and insightful episode. As a personal coach who teaches a course called “The Rich Woman,” she shares several simple practices you can incorporate to avoid self-sabotage. We also dive into the profiles of 8 money personalities, or “Sacred Money Archetypes,” to help you identify the strengths and weaknesses you may have around money.
What is a catalyst? A catalyst is a changemaker that moves….FAST. Shannon Lucas, Co-Founder & Co-CEO of Catalyst Constellations literally wrote the book on wellness for catalysts. She is a global thought leader and recently co-authored “Move Fast. Break Shit. Burn Out: The Catalyst’s Guide to Working Well,” an antidote to burnout culture. In this episode, Karen & Shannon discuss how catalysts might be so focused on changing the world that they are overlooking their own wellness, and their financial wellness in particular. If you belong to this group of changemakers, you are fiercely independent—but that doesn’t mean you need to go it alone. We identify common financial challenges for catalysts & how to overcome them.
Three entrepreneurial women recently met, clicked, created a webpage, created an event, and will probably be leading a movement in short order. Their mission? To celebrate an unapologetic lifestyle by design, reaching for dreams and goals full tilt while helping other women do the same. Shawn Mumma, Owner and Interior Designer at La Rouge Home Design, Sarah Reed, Chief Encouragement Officer of EXCELEVATE™ Academy, and Michelle Donahue, Owner of Massage Envy Hagerstown and the InsideOut brand come together with Karen to discuss what it means to live your life “full tilt.”
Have you ever wondered what a community foundation is and how it works? Stacey Crawford, President/CEO of the Community Foundation of Washington County, Maryland, explains the role the community foundation serves for donors as well as local non-profits. We discuss the different vehicles that are available to enable donors to engage as active, ongoing participants, including donor-advised funds and scholarships.
As if a global pandemic weren’t enough to cause concern for investors this year, a highly-charged presidential election is also in the mix to taunt investors in 2020. What are the professionals doing and what is the lens they are using in this challenging environment? In this podcast episode, we went straight to one asset manager to find out. Senior Vice President and Portfolio Manager Luke O’Neill from Cookson Peirce shares his team’s methodology. We also discuss what the markets are currently demonstrating, what history has taught us, and what you can control when it comes to your portfolio.
The college application process can be overwhelming, as students and their families address many moving parts from campus visits to sorting out deadlines, testing, and financial aid. Going through this process during the COVID-19 era brings some additional considerations for families. Michelle Jacobs, Ed.D. Independent Educational Consultant at College Bound joins us to discuss what elements of the process have changed and also what has remained steadfast. She also shares great advice on what seniors can do right now and why it may be best to take action now instead of waiting it out along with everyone else.
Financial services often seems off-limits to someone with a liberal arts degree, let alone a degree in Theatre Studies. Gillian Matteson is an M.B.A. candidate at Emory University with a fairly non-traditional background for someone heading into investment banking, having studied education, theatre, and working in the non-profit world. In this episode, we discuss the value of taking an atypical path to working in financial services, and considerations for women and minorities who are interested in joining this male-dominated field. We also discuss the evil image of investment banking and how that might be changing for the better. If you are interested in switching gears to work in financial services but have a non-financial background, this episode is for you!
Your primary concern is taking care of your patients. But how dialed in are you to the blind spots in your practice that can threaten your license and your livelihood? Board investigations and disciplinary sanctions are not typically covered by professional liability insurance and can end in license suspension or even revocation. When you think about your assets, don’t overlook ways that you can protect your license and ultimately your practice. Natasha Wesker, Esquire of Natasha Wesker Law, LLC has 30 years of experience in healthcare and has seen both sides as both a defense attorney and as a prosecutor. With this perspective, she shares an inside look on how to keep your license and your livelihood safe.
Making the decision to end your marriage is incredibly difficult. And once that decision is made, there are many more big decisions to follow, especially if you have children. One of the first is determining how to go about the divorce process. Do you hire a “pit bull” attorney, or can you move forward amicably?
The typical divorce narrative is toxic, destructive, litigious, expensive, and results in a lose-lose situation. There’s another, lesser-known narrative, which avoids the courtroom. This narrative puts the family first. Through mediation and collaborative divorce, you work together to make decisions that are best for your family.
Kandace Carpenter of The Law Office of Carpenter & Deisher, LLC explains how mediation and the collaborative divorce process can save time, money, and create a better outcome for all involved.
Divorce is a traumatic event. It’s a financial, legal and interpersonal process with high stakes. It’s emotionally exhausting, and it can be financially and personally devastating. Divorce may be the end of a chapter, but it’s not the end of the story…and it could be beginning of a new and better one. Nikki Bruno, graduate of Princeton and Harvard Universities and founder of The Epic Comeback, helps people do just that that by “finding the treasure in trauma.” After a high-conflict divorce nearly destroyed her, she was able to rediscover herself and bounce back stronger, and now she helps others do the same. She shares some of her methodology so that you can stage your own epic comeback after a traumatic event like divorce or other form of loss.
Using an ESG (Environmental, Social and Governance) strategy in your portfolio is a way to invest your money to match your values. Money is power if you choose to direct it towards change. And as more and more companies are considering all of their stakeholders—not just their shareholders—in how they make decisions, you can do just that. Sheila L. King, CFA, Vice President & Portfolio Co-Manager at Eagle Asset Management, Inc. explains how investing in companies and municipalities that are focused on being resilient and sustainable for the long haul is not only meaningful for you as an investor, but for our world at large. If you are interested in putting your money where your values are, take a listen to how this portfolio manager identifies corporations that are being good stewards to the environment and their communities.
Borders are closed, venues are closed, and flights are iffy. But travel itself is not cancelled! Travel in the time of COVID19 however may require the help of a professional. How do you know where you can go, and what is safe? Enter our guest today, Sarah Groen, Owner and Luxury Travel Advisor of Bell & Bly Travel. On this episode we discuss how the travel industry is responding to the covid challenge, how to create an “ungoogleable” experience, and why now is a great time to consider working with a travel advisor.
As businesses start to open back up, employers and employees have a lot of questions. Today’s guest is Lisa Shuster, Founder and President of PeopleWorks, which specializes in small business HR. From opening up safely to addressing employee leave benefits, Lisa shares her expertise and resources so businesses and employees can get back to work.
Tensions are running HIGH. In the pandemic, we’re not only dealing with a health crisis and economic fallout, we’re also facing an emotional and mental crisis that can strain relationships. Those strains can then further exacerbate health and financial issues, so it’s critical to tune in to how we are communicating right now. Whether it’s with your family or your clients, Kristie Van Leeuwen, President of PeopleReader explains how to be a better communicator during the crisis.
Steve Chiavarone, portfolio manager and equity strategist for Federated Hermes brings his expertise to the table as he tackles 5 key questions from inflation to bringing production back to the US and why now is still the time to stay invested.
Part 2 of 2. Guest Nancy Phillips, creator of “The Wela Way” and author of the Zela Wela kids series, was a corporate executive before a series of traumatic events altered the course of her life. Because her life situation had changed so dramatically, she wanted her children to learn from the experience and to have a firm introduction to financial literacy. Few us are taught early on about basic financial concepts, tools, or how to manage our financial affairs. In this episode, Nancy discusses how to teach and talk to children about finances.
Part 1: Guest Nancy Phillips, creator of “The Wela Way” and author of the Zela Wela kids series, was a corporate executive before a series of traumatic events altered the course of her life. Because her life situation had changed so dramatically, she wanted her children to learn from the experience and to have a firm introduction to financial literacy. In her search for resources to support this endeavor, she ended up conducting a hefty amount of research and ultimately, creating her own resources and discovering something much larger. She shares how she was able to move forward from a state of shock to a place of financial and personal well-being.
Schools are closed, businesses are shuttered, and people aren’t paying rent. But young entrepreneur, architect and landlord Aaron Peteranecz is not only calm, he is looking to grow. No stranger to the ins and outs of business, Aaron grew up in an entrepreneurial family and started his first business as a kid detailing cars. As Founder and President of Design Method Group and COO of Studio Novum, Aaron shares with Karen where he sees opportunity and how he pursues it.
Retirement is not what it used to be. Some slow down, others speed up. For many, it’s a time to switch gears, change lanes, or totally reset the course. Lorie Dixon, co-owner and winemaker of Stone House Urban Winery, has taken a few unexpected turns after working in the medical field for 40 years. She’s living out an unconventional “retirement,” but one that is full of purpose and passion. She shares how she did it and how you can, too.
Do you ever wonder if your gifts are making a difference? Whether you are already engaged in philanthropy or just getting started, defining your own individual philosophy for giving will help you focus and ultimately create a greater impact. Guest Laurie Wallace shares how to be better informed and inspired as a donor and look at your giving in a fresh new ways.
Now more than ever, we thank our physicians and medical professionals who are on the frontlines as the world responds to COVID-19. Will this bring more attention to the additional risks and “costs” that exist for female physicians? Dr. Heather Furnas, Plastic Surgeon and owner of Plastic Surgery Associates of Santa Rosa & Allegro MedSpa, has written and spoken about this issue. She joins us to discuss the challenges that female surgeons are faced with when it comes to having children and raising a family.
Are you ready to get Gutsy? If you haven’t evaluated your branding in recent years, now is the time. Laura Wallace, CEO & Creative Director of Worx & Co, dishes on branding and the role it plays in your business. Hint: it’s more than just a logo.
The SECURE (Setting Every Community Up for Retirement Enhancement) Act was signed into law in December 2019 with the intention of helping individuals save more for a secure retirement. The Act brings forth some good news, some bad news, and has caused confusion as well. Lead accountant Bill Fritts of SEK, CPAs & Advisors joins us to help sort out the new tax and retirement rules and how they may impact you.
When most people start to think about their estate planning, they think about wills, trusts, beneficiaries, and making sure that affairs are in order after death. But what if something goes wrong while you are still living, and you can’t direct your own affairs? Who will do it for you? Naming a Power of Attorney (POA) is one of the most critical yet unsung elements of a solid estate plan.
Nancy Meyers, Esquire Attorney/Shareholder at Salzmann Hughes discusses how and when to use a POA and some key considerations in naming the right agent.
Addiction is a difficult but very real issue for too many families. While many people may be aware of the emotional & physical toll, the strain it puts on families, relationships and careers, there is also an enormous financial toll. Erin Tack, Clinical Director of Lasting Change Recovery Solutions for Women, joins us to open up the issue of addiction.
Bernadette Wagner is all about getting better with time! As the founder of Prime Time for Women, a social enterprise created to celebrate, connect and empower women in the second half of life, Bernadette shares insights about aging –or rather, living-- well. In this episode, we discuss how women can better engage in their finances in the second half of life and so much more.
There are 168 hours in a week, but how much of that time do we use intentionally? Author and TED Talk speaker Laura Vanderkam helps us rethink how we spend our time. Unlike money, you can’t make more time, but you can “bank” it in ways to help you more easily climb out of a “time debt.”
It’s likely not a matter of if a breach will occur—it’s when, and to what degree. Guest Blakeley Barker, a veteran in the commercial insurance industry, explains how detrimental it can be for medical practices and other businesses when a cyber security breach occurs. We discuss the five steps that you need to take when there is a breach, and steps you can take to help protect your patients, clients, and business from total fall out.
Estate planning isn’t just for distributing stuff or minimizing taxes. We continue the conversation with attorney Ann Rotz and discuss planning considerations for parents of special needs children, and introduce trusts, digital assets, and providing for your pets.
Think you are not old or wealthy enough to need an estate plan? Think again. Attorney Ann Rotz breaks down the key documents EVERYONE needs, plus special considerations for parents of minor and young adult children.
Thomas Dahbura is President of Hub Labels, and has grown the business into one of the largest label companies in the US while also gaining recognition for environmental stewardship. AKA “The Label Guru,” Thomas is a fun and passionate leader who has been known to ride his bike around the office. We discuss leadership, nepotism, and how personal and business pursuits are built into a total package.
If your kids are anything like mine, they don’t know how to turn off lights when leaving a room. Here’s an idea that has been working for us and may work for you, too!
Investment banking is not just for Wall Street. Financial advisors are to your personal assets what these bankers are to your successful business. What you don’t know can hurt you, so listen in if you are wondering what these bankers do and why you might need them on your team. Hint: you probably need them sooner versus later.
“Back to school shopping” takes on a whole new meaning when you have a student preparing to apply to college. Guest Lynn O'Shaughnessy is a nationally recognized college expert, author, and speaker. She explains how to start the process when you’re looking at colleges, plus why and how you REALLY should be shopping for schools when your student is heading for college.
What if I go back to school? What if I get that job? What if I quit my job? What if…?
Speaker, author and coach Julie Gaver uses this question to helps women reinvent themselves, by uncovering their talents and dreams so they can bloom.
Here’s a doctor giving advice that doesn’t involve medicine, but does make for a healthy prescription. In this episode, Dr. Mitesh Kothari shares how an early vision helped him avoid financial traps physicians often fall prey to, while living out his family’s values.
Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected.
You can make anything happen! Just ask blogger and author Carrie Lindsey who wrote the book - Make Anything Happen. In this episode we talk about her book, how she created a business, and her 60-day budget challenge. Learn what inspires her and why she thinks you can make anything happen at any age.
It’s time to rethink the standard retirement mindset and even the word “retirement.” Denis Wuestman and Joe Casey of Retirement Wisdom join in to discuss the importance of non-financial considerations in preparing for retirement, aka “extreme adulting.” Ignore these aspects and you risk “failing retirement.” Find out how not to fail, and better yet, how to thrive.
What do you get when you put two female financial advisors on a podcast episode? A lot of FRESH perspective! Melissa Joy, CFP®, CDFP® shares how her childhood experiences have shaped her work, and why check boxes don’t work when you’re looking for an advisor.
If you have been wanting to talk to your children about the responsibilities and opportunities of wealth, but are not sure where to begin, this podcast is for you!
To help us unpack these important conversations special guest Dr. Richard Orlando, Founder of Legacy Capitals, a firm which provides training, coaching, and consulting on this very topic. He regularly consults with financially successful families around the country on topics including wealth & values transfer, preparing the rising generation, family governance, legacy planning, and family philanthropy.
Raising a giving family is an important way for physician families to avoid raising entitled children. Interestingly, I’ve found that families who prioritize charitable giving - giving money away - consequently do a good job instilling financial responsibility in their next generation.
Here today we have Lara McElderry, podcast host at Married to Doctors. She’s passionate about helping medical families find more happiness and dispelling the stereotypical “doctor-wife” image and really digging into the hard questions about loneliness, debt, communication, romance, moving, and parenting.
If you are a woman in financial services, you work in finance or are thinking about it, or maybe even are working in another male-dominated field, this show is for you.
Dorothy Hinchcliff is the Executive Editor of Financial Advisor Magazine and its companion website. FA Magazine is one of the country’s top publications for financial advisors. Dorothy is also very passionate about her role in FA’s Invest in Women Conference. It is a leading national event about issues specific to female advisors, and it will be going into its fifth year in 2019.
Make sure you listen to hear what Dorothy's favorite wine is! Cheers!
One of the themes behind FRESH OFF THE VINE is getting better with time.Did you start 2019 with a vision of what you wanted to accomplish? If not, it’s not too late!Giving yourself the year or life that you want doesn’t happen by hoping for the best; it takes conscious effort. To help us discuss this, we welcome Beth Fitzgerald of Fitzgerald Life Coaching who shares her insights on how to make it happen—and what to do if you get off course. Click here to listen to the podcast, and be sure to follow! .