Sage Money Conversations: Recent Episodes
Barbara Norman
The Sage Money Conversations podcast is telling and candid. In this expose on life and wealth, Barbara Norman, CFP® shares three decades of stories that uncover common financial mistakes and the emotional vulnerabilities of money. Gain wisdom from the experiences and creativity of others who are on a path to financial security. Her weekly chats include life-empowerment experts, professional advisors, CPAs, family law/estate planning attorneys, and more.
We all make mistakes. The 5 F Words of Financial Planning are critical concepts designed to inform and guide you on your investing and planning path. I think you will be surprised to learn what they are.
Barbara Norman began her career in the Financial Services Industry in 1986. She is the CEO of Sage Path Solutions, a boutique firm that offers wealth management, and financial and tax planning. She is a fee-only advisor and adheres to the CFP® Board’s strict fiduciary standard of putting her customer’s need first. Barbara is the Founder of the Women’s Financial Academy, an educational foundation. She hosts a weekly podcast, Sage Money Conversations, where she explores money, common mistakes, misconceptions, and taboo topics. She is a graduate of UCSD, a Certified Financial Planner™, a Chartered Financial Consultant, and a Certified Divorce Financial Analyst. Barbara is a professionally trained speaker and storyteller and enjoys taking complex topics and making them easy to understand and relate to.
#FinancialPlanning #FeeOnly #Fiduciary
Connect with Barbara Norman: https://bit.ly/3TAQ3bf
Please be sure to rate and subscribe to Sage Money Conversations wherever you listen to podcasts!
Apple Podcasts: http://bit.ly/3EDOHbv
Spotify: http://bit.ly/3hKc5ef
Google Podcasts: http://bit.ly/3ECAFGW
YouTube: http://bit.ly/3hLXPlj
Stitcher: http://bit.ly/3g80p4y
Navigating the needs of the world can be daunting. How can we be sure our chartable giving has the greatest impact? Radha Friedman, a Philanthropic Advisor, helps us create thoughtful and effective strategies for planned giving, and she offers tools we can access to help us evaluate charities.
Radha Friedman is a philanthropy and social impact advisor on a mission to encourage investing in women and girls, especially women of color, women who are LGBTQ and women with disabilities. She has been working to advance gender equality for over 20 years and has seen firsthand that how people use their finances—where they spend, invest, and donate—can be a powerful act of social change. She created Radha Friedman Consulting to help deepen social impacts and show up for the people, communities and causes that matter. This is a space to work together to build a world where women (including trans, non-binary and gender non-conforming folks) have equal rights, power and resources to all thrive together.
Connect with Radha:
WEBSITE: https://radhafriedman.org/
FACEBOOK: https://facebook.comhttps//www.facebook.com/Radha-Friedman-Consulting-2051402751820127
TWITTER: https://twitter.com/radhafriedman
INSTAGRAM: https://www.instagram.com/radhacal_good/
LINKEDIN: https://www.linkedin.com/in/radhafriedman/
YOUTUBE: https://www.youtube.com/channel/UCeJ1CxEnG-toMyt6UbBMK1Q
PODCAST: https://open.spotify.com/show/2nQq0f2nUEJus6HNyyaniE?si=103d3309d0e248da
LINKTREE: https://linktr.ee/radhafriedman
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Connect with Barbara Norman: https://bit.ly/3TAQ3bf
Please be sure to rate and subscribe to Sage Money Conversations wherever you listen to podcasts!
Apple Podcasts: http://bit.ly/3EDOHbv
Spotify: http://bit.ly/3hKc5ef
Google Podcasts: http://bit.ly/3ECAFGW
YouTube: http://bit.ly/3hLXPlj
Stitcher: http://bit.ly/3g80p4y
This episode of sage Money Conversations takes you on the incredible journey of Dr. Izdihar, as she shares her inspiring and touching story about powering through adversity and discrimination to become one of the leading female inspirational leaders and a best-selling authors.
Dr. Izdihar Jamil is an immigrant, Asian, hijab-wearing, Muslim computer scientist turned media expert. She has been a coach and entrepreneur for over 15 years. In 2021, Izdihar was inducted into the prestigious Marquis Who's Who biography in recognizing her contribution as the top 5% in the industry with Warren Buffet and Oprah.
She is also an upcoming TEDx presenter sharing her idea about to inspire marginalized women to be confident with their heritage and roots. She is an influential trailblazer and inspirational leader in helping female entrepreneurs to be the #1 go-to experts in their field with her simple, no-fuss methods. She has helped over 100 people to be a #1 international best-selling author, get in the media, magazines, high-profile interviews and publications. Izdihar lives in California with her husband and three kids and in her spare time she loves reading and baking for her family.
Connect with Izdihar:
WEBSITE: https://www.izdiharjamil.com/
FACEBOOK: https://www.facebook.com/iamdrizdiharjamil
INSTAGRAM: https://www.instagram.com/iamdrizdiharjamil
LINKEDIN: https://www.linkedin.com/in/iamdrizdiharjamil
YOUTUBE: https://www.youtube.com/channel/UCEWb8eXBvihwMr6AkDeKyMQ
TWITTER: https://twitter.com/IzdiharJamil
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Connect with Barbara Norman: https://bit.ly/3TAQ3bf
Please be sure to rate and subscribe to Sage Money Conversations wherever you listen to podcasts!
Apple Podcasts: http://bit.ly/3EDOHbv
Spotify: http://bit.ly/3hKc5ef
Google Podcasts: http://bit.ly/3ECAFGW
YouTube: http://bit.ly/3hLXPlj
Stitcher: http://bit.ly/3g80p4y
Sandra Estok became the victim of identity theft. Not only did it change her life, but the fall-out affected her work and almost destroyed her marriage.
In this episode she shares her horrifying tale and teaches us how to protect yourself against hackers, scammers, and cybermonsters .
Sandra Estok is the founder of Way2Protect™, author of the international bestselling and award-winning Happily Ever Cyber!™ book, and the Cyber Literacy series for children. She is a Keynote Speaker and Corporate Trainer with over 20 years of experience in Cybersecurity, IT and Data Privacy. Her mission is to empower women to take charge of their cyber safety, thrive using technology and have Peace of Mind Online.
#cybersecurity #identitytheft #HappilyEverCyber #onlinescammers #identityprotection
Connect with Sandra:
Twitter: twitter.com/way2protect
Facebook: facebook.com/way2protect
Instagram: instagram.com/way2protect
Pinterest: pinterest.com/way2Protect
LinkedIn: linkedin.com/in/way2protect
Way2Protect on LinkedIN: linkedin.com/company/way2protect
YouTube Channel: https://www.youtube.com/way2protect
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Less really does means more! More money, more time, more peace of mind, more freedom to be who really are and to do the things that bring us joy. Stephanie Seferian is the best-selling author of Sustainable Minimalism and host of the top-rated podcast by the same name. Join us as we explore how to get to an unencumbered and happier life.
Stephanie Seferian is a former teacher-turned full-time podcast host of The Sustainable Minimalists podcast. She’s also the author of the non-fiction book Sustainable Minimalism and is an avid distance runner and a lover of fiction. Stephanie lives just outside of Boston with her two daughters, yellow Labrador Retriever, 10,000-ish bees, and husband who loves to compost almost as much as she does.
#minimalism #sustainableminimalism #maximizeyourlife #findyourjoy #downsizeyourlife
Connect with Stephanie:
Get a copy of Sustainable Minimalism
Visit her website
Subscribe to The Sustainable Minimalists podcast
Facebook: https://www.facebook.com/SustainableMinimalists
Twitter: https://twitter.com/mamaminimalist
Instagram: https://www.instagram.com/mommyminimalist/
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Do you feel vulnerable when it’s time to get your car repaired? Meet Erika. She was taken advantage of by a car repair shop, and then made it her life’s mission to learn everything about cars and become a great service manager. Tune in as she tells her story and gives us some great tips.
Erika Lara has been in the automotive repair business for 6 years and wouldn’t change it for the world. Erika’s parents are both retired from the medical field and hoped she would follow in their footsteps. Erika likes to tell them now that she does save lives, but in a different way.
#carcareforwomen #carbasicsforwomen #divorce #carrepairsforwomen #dontbetakenadvantageof
Website: http://www.ebersstreetgarage.com/
Instagram: @love_cheesefit
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Fire Up Your Life Sage Money Conversations with Barbara Norman Episode 47 Fire Up Your Life with Kate Butler What kind of life do you want to have and how do you want to be remembered? Kate Butler is an international bestselling author and producer of the weekly TV show, Where All Things Are Possible. Join us, as she tells us how to create meaning and live our best life. Kate Butler is the TV Host of the wildly popular show Where All Things Are Possible that streams on the RVN Channel via ROKU. She is also a #1 International Best-selling Publisher, Author and Speaker. Having published over 300 #1 Best-selling Authors, Kate is truly an expert on taking your story and bringing it to life in a best-selling book...this is her specialty! Being in Kate's world you can expect miracles to unfold daily and life to become magical. This is guaranteed!
whereallthingsarepossible #katebutler #createyourownstory #createmeaning #bestlife
Contact Kate: Website: www.katebutlerbooks.com Facebook: Kate Butler Official IG: @katebutlerbooks Learn more about your ad choices. Visit megaphone.fm/adchoices
Do you want to reduce your tax bill? In this episode, Tiffany Heritage talks about how to be proactive as the IRS is winding down the tax credits and forgiveness programs that helped businesses during Covid. New tax laws and new tax brackets are taking effect in 2023. The time to plan is now. Find out why. Tiffany Heritage is the founder of Heritage Tax and Accounting in Poway, California. Since opening her doors, she has expanded into different emerging markets with her knowledge in business taxation. She has extended her reach to include non-profits and charities, assisting them in growing to be able to help each of their causes, and future generations. She has been a leading expert in navigating the Covid-19 funds, tax changes, and credits helping numerous small businesses, and individuals along the way. Her background in tax planning and strategic growth for companies has propelled their success. Tiffany attended the WP Carey School of business at ASU where she received her BS in Accountancy. She is currently committed to attending Grand Canyon University to finish her Masters in Taxation. She is a member of California Society for Tax Consultants, AICPA, and a member of TEAM Networking group. She has worked in the accounting industry for over 15 years, specializing in business, individual and non-profit taxation. She has founded several successful businesses and still operates 2 of them. After moving from Arizona to California 4 years ago she has successfully opened her firm in Poway, and lives down the street from her office with her 2 dogs, Kona and Kane. Find Tiffany Heritage on Facebook
taxtipsforbusinessowners #2022Taxes #PPP #CovidTaxCredits
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Grief is inevitable. The dilemma is how to deal with loss and move forward. Ligia Houben, a well published and sought-after grief expert, teaches us how to transform grief and turn it into meaning and personal growth. If you or a loved one is moving through a loss, please tune in! Ligia M. Houben MA, FT, FAAGC, CP is a whole-hearted educator who has reached thousands of people with her message about grief transformation, meaning, and personal growth. She is a Former Board Member of ADEC (The Association for Death, Education, and Counseling). Ligia is a Fellow in Thanatology: Death, Dying, and Bereavement and a Fellow in the American Academy of Grief Counseling. Mrs. Houben holds a BA in Psychology and Religious Studies from the University of Miami, MA in Religious Studies and Graduate Certificates in Multidisciplinary Gerontology from Florida International University, and in Loss and Healing from the mental health program from St. Thomas University. Ligia is a Certified Professional Coach (CPC), and the former Grief & Growth Coach Leader for International Coaching Academy (ICA). She is a former PESI presenter, with her signature seminar- Transforming Grief & Loss. Strategies to Help your Clients through Major Life Transitions. This seminar was presented in more than 100 cities and is based on The 11 Principles of Transformation®, the grief model she created to transform losses into personal growth. It was introduced in her book, Transform your Loss. Your Guide to Strength and Hope. https://the11principlesoftransformation.com/ https://www.facebook.com/ligiahouben https://www.instagram.com/ligia_houben/
LigiaHouben #Grief #forgiveness #MovingPastLoss #LifeAfterLoss
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Dealing with Dementia, Alzheimer’s, or just general aging and slowing down is stressful. Adding on to that, is the worry and the legal complexities for how bills and finances are handled. This has the potential for high drama! Amy Burfitt walks us through the conversations and nuances we need to be aware of. Learn to navigate the process and protect your loved ones – before you get there! Amy Burfitt is the Executive Sales and Marketing Director at Monarch Cottage located in the village of La Jolla. She is proud to have over 15 years’ experience supporting families and seniors in San Diego. Her passion is guiding families through the complex space of long-term care by simplifying information such as the difference between the varying types of long-term care, Medicare, MediCal, LTC insurance and what is needed legally and financially. She graduated from Sonoma State University, in Communication Studies and has worked for Sunrise Senior Living, LivHOME, Healthy Living and Monarch Cottage.
alzheimerscare #dementiacare #longtermcarefinancialplanning #seniorlivingn #protectyourlovedones
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How are assets protected and preserved when a new spouse (and maybe their kids) join the family? “It depends.” The inter-personal dynamics and the laws can be complex. Anne Wenger of McLaughlin Legal digs into the complexities of blended families and offers great strategies for passing assets. Anne is committed to providing hands-on legal services to the McLaughlin Legal clients and families she works with, assisting them in making important legal and life decisions for themselves and the future of their loved ones. She excels at breaking down legal and tax concepts in such a way that becomes easily digestible for her clients, making the estate planning process less intimidating. Anne is frequently invited to speak at educational seminars held by financial planning firms for their clients to educate them about estate planning issues. Connect with Anne: Website: https://mclaughlinlegal.com/ Phone Number: (858) 678-0061 x 102 Email: anne@mclaughlinlegal.com
EstatePlanning #BlendedFamilies #Trust #Trustee #Assets
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Sharon Herrick is a widow, and she is living the life she always wanted to live. It’s never too soon or too late to re-make ourselves. She inspires us to be open, wild and a bit crazy. Tune-in, as Sharon challenges us to do the same. Sharon Herrick grew up in Texas and attended St Mary’s University in San Antonio. She has worked in an array of professions, including banking, office management and life insurance. She even spent nine months with Maryknoll missionary nuns Sharon Herrick has CLU (Chartered Life Underwriter) and CASL (Certified Advisor for Senior Living) designations, series 6 and 63 security licenses. She is a 2013 LILI (Leadership in Life Institute through NAIFA) graduate and a past member of NAIFA-AR (National Association of Insurance and Financial Advisors) past member of State Board of Directors. Additionally, she was the 2015 IFAPAC chair for NAIFA-AR. Sharon received the industry’s National Quality Assurance award and the bronze and gold awards from Northwestern Mutual for production achievements. She also graduated of the Fastrack Academy, training session provided by Northwestern Mutual to agents meeting certain performance standards. Sharon was awarded the Gaylon Brown Lifetime Leadership Award by NAIFA-WA in 2012. Sharon is a widow with two adult children and currently spends her time as an author. She is most fulfilled when helping others realize their goals and dreams.
NextChapter #FindJoy #ReinventYourself #NeverTooLate #LifeAfterWidowhood
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The person who unwinds an estate has many time-consuming and complex tasks. The devil is in the details. Do they know what they must do, when to do it, and the liabilities they are assuming? Roberta walks us through the tasks of an executor. Roberta j. Robinson, attorney-at-law, is a California Board of Legal Specialization Certified Specialist in Estate Planning, Trust and Probate Law. Now in her 44th year of practice, Roberta’s works with her son and partner, Attorney Daniel J. Wilson. Roberta’s office is located in Rancho Bernardo in the City of San Diego, CA, Ms. Robinson helps clients to establish living trusts, wills, financial powers of attorney and advance health care directives. Roberta helps clients avoid conservatorships and probate, minimize estate/income/and property taxes, and transfer assets to their heirs. Ms. Robinson has taught the course entitled "Family Estate Planning" for San Diego State University, Extension since 1982.
Connect with Roberta: Email: robertarobinson@trustlaw.us Website: https://www.trustlaw.us/
Executor #Will #Trust #Liabilities #Fiduciary #Probate
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The average household loses over $110K of Social Security benefits over their lifetime. Why? Social Security has 2700 rules, and their agents are not allowed to offer advice. Martha Shedden, a Chartered Retirement Planning Counselor, talks about some of the loopholes, what the mean to you, and where to get help. This episode is a great learning opportunity – even if you think you don’t qualify! Martha Shedden is President and Co-founder of the National Association of Registered Social Security Analysts, NARSSA, which provides online education and training for financial professionals to become Registered Social Security Analysts. The five module RSSA program provides professionals with a thorough knowledge of the Social Security program and trains them how to analyze clients’ claiming options to obtain their maximized Social Security income by filing for benefits at the optimal time. The modules provide CE/CPE units for NASBA, the CFP Board, and the IRS. Martha is a certified Chartered Retirement Planning Counselor (CRPC) and also has her own business, Shedden Social Security & Retirement Planning, helping retirees make their optimal Social Security claiming decision. She is passionate about educating financial professionals and retirees on the details of Social Security income planning, the foundation and first step to creating a financially secure retirement plan. Trained and practicing as a professional engineer for over 30 years, she enjoys the detailed, problem solving aspects of Social Security income planning, sharing her knowledge with others, and helping them make this very important financial decision. Martha has over a decade of experience providing Social Security education, consulting, and analyses for individual clients, financial and accountancy professionals. She is the author of numerous Social Security white papers, seminar presentations and articles in financial publications. #SocialSecurity #Taxes #Income #Retirement #SpousalBenefits #SurvivorBenefits Learn more about your ad choices. Visit megaphone.fm/adchoices
Refinancing a home after a divorce is challenging. It may be do-able if you understand the critical steps and the nuances of the mortgage lending process. Zach Taylor has over 30 years in the mortgage business, and he specializes in divorce lending. Zach shows us how you may be able to keep your home in the divorce. Zach has 30 years of experience with a specialty in divorce related lending. He has been speaker and panelist at many conferences and workshops put on my various organizations of divorce professionals including (Southern California Mediation Association) the SCMA /Family Mediation Institute and NCRC (National Conflict Resolution Center). He has done hundreds of divorce related mortgages and has attended many workshops to learn all about the divorce process, which makes him better at helping people with separating their property. His office is in Encinitas CA with ability to do business in multiple states. He is married for the past 30 years to Jenny and has two kids Kelsey and Colton in their Mid-20.
Connect with Zach: Website: https://www.changemtg.com/
Mortgage #Divorce #InterestRate #Lender #Loan #Credit
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Alan Baskin, CPA, EA of Baskin of Baskin & Associates in Poway, CA Real estate taxes are complex. Taxes can vary by age, marital status, and personal circumstances. Don’t be surprised by an un-anticipated tax bill or overlook a tax code that could benefit you. Al Baskin CPA, EA, un-wraps some of the rules and nuances of the tax code, and more specifically, the California codes. #RealEstate #Taxes #CapitalGainsTaxes #RealEstateTaxes #PropertyTax Learn more about your ad choices. Visit megaphone.fm/adchoices
Taxes may be stressful, but they don’t have to be complex. In this episode, Anne Burns, CPA gives us ‘tax primer’ and offers a few tax tips you may like. If you a person who never reads a tax return, but wants to be more pro-active, then this is your episode! Anne Burns provide high quality tax preparation, planning, and related consulting services. Her primary focus is providing such services to individuals who are business owners/executives or real estate owners and their related entities (S Corporations, Limited Liability Companies, Partnerships, C Corporations). Anne also has a specialty in trust & estate taxation (Forms 1041 and 706) including trust funding elections and issues. Anne graduated from San Diego State University with her bachelors in Accounting. Anne has been certified as a CPA in California since April 2008. Anne is a member of the AICPA, CalCPA, USD Planned Giving Council and North County Estate Planning Council. Anne has lectured on the risks of Elder Financial Abuse and income tax basics. Connect with Anne: Website: https://www.stremlauburnscpas.com/ LinkedIn: https://www.linkedin.com/in/anneburnscpa/
Taxes #TaxBrackets #Deductions #PropertyTaxes #TaxCredit #RothIRA #CapitalGains
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Life is short. Rather than thinking and dreaming about travel, it’s time to do it! Michelle Barth, owner of Just Escape Travel, gives us lots of tips for how to plan, reduce travel stress, and create lasting memories. I’m sending her bonus travel hugs for the list of apps she reveals in our podcast.
Chief Escape Organizer Michelle Barth – has 11 years of experiences being a Travel Specialist, having explored 45 countries over 6 continents. Michelle received a Travel and Tourism Degree from California Polytechnic at San Luis Obispo. She began her career working as a Travel Specialist with award winning travel agencies. During this time, she realized there was a need for providing truly customized travel itineraries that focused on quality instead of quantity. Just Escape Travel® was launched in September 2015 specializing in creating truly custom, one-of-a-kind experiences. Michelle is constantly seeking out new destinations, experiences, and expert partners to encourage our travelers to “Escape the Ordinary”. She wants to change the way people travel. Michelle embraces the Southern California lifestyle! She enjoys practicing yoga and spending time at the beach with her fiancé and her four-legged daughter Billie Jean. Connect with Michelle: Website: https://justescapetravel.com/ Mention code TravelMore to waive Just Escape Travel’s Initial Design Fee. Valid thru December 31, 2022.
Travel #TravelApps #InternationalCoverage #SafetyTravelTips #TravelInsurance #BudgetingForTrips #TipsForYourTrips
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Traveling on points takes a little bit of know-how but has huge rewards! Learn how Mike, a ‘points-chaser,’ earns and maximizes travel points on his credit card, and how he trades them in for amazing trips and vacations.
Travel #TravelPoints #Points #Credit #CreditCard #HowToPlanYourTrip
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Love to travel, but afraid to go it alone? The world is your oyster, and we think you should go for it! Learn how our friend, Kathy Martin, a retired travel enthusiast plans her trips and the resources she uses. Enjoy! Kathy Martin is having the time of her life! After retiring from healthcare information systems, she has followed her passions for travel, fitness and volunteer opportunities. She has gone on six trips with Road Scholar as a solo traveler and with a friend. Yoga has become a focus along with helping out at food banks, reading tutoring with first graders and making/bottling wine. Links Mentioned: https://travel.state.gov/content/travel.html
Travel #WomenWhoTravel #Food #TipsforTraveling #HarvestHost #SoloTravel
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We all make mistakes. The 5 F* Words are critical concepts designed to inform and guide you on your investing and planning path. I think you will be surprised to learn what they are.
Barbara Norman began her career in the Financial Services Industry in 1986. She is the CEO of Sage Path Solutions, a boutique firm that offers wealth management, and financial and tax planning. She is a fee-only advisor and adheres to the CFP® Board’s strict fiduciary standard of putting her customer’s need first. Barbara is the Founder of the Women’s Financial Academy, an educational foundation. She hosts a weekly podcast, Sage Money Conversations, where she explores money, common mistakes, misconceptions, and taboo topics. She is a graduate of UCSD, a Certified Financial Planner™, a Chartered Financial Consultant, and a Certified Divorce Financial Analyst. Barbara is a professionally trained speaker and storyteller and enjoys taking complex topics and making them easy to understand and relate to.
The5FWords #FinancialPlan #FeeOnly #Fiduciary
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No one teaches this stuff! What is a stock and what is a bond? How do advisors get paid and how do fees work? The financial services industry is complex and it lacks transparency. Be prepared to participate in conversations with your advisors. Barbara Norman began her career in the Financial Services Industry in 1986. She is the CEO of Sage Path Solutions, a boutique firm that offers wealth management, and financial and tax planning. She is a fee-only advisor and adheres to the CFP® Board’s strict fiduciary standard of putting her customer’s need first. Barbara is the Founder of the Women’s Financial Academy, an educational foundation. She hosts a weekly podcast, Sage Money Conversations, where she explores money, common mistakes, misconceptions, and taboo topics. She is a graduate of UCSD, a Certified Financial Planner™, a Chartered Financial Consultant, and a Certified Divorce Financial Analyst. Barbara is a professionally trained speaker and storyteller and enjoys taking complex topics and making them easy to understand and relate to.
Investing #Cash #Bonds #Stocks #Budgeting #MutualFund #GrowthFund #TaxEfficiency #Fees #ManagmentFees #FindingTheRightAdvisor
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Reconnect to the beautiful parts of yourself. In her 8-step process, The Bridge, Melissa shares the value of slowing down, looking at our priorities, and allowing ourselves to live the life that makes us whole and happy. Tune and learn to connect to your heart. Melissa Bauknight is a multi-passionate entrepreneur, adventurer, mother, wife, and a Business and Life Coach. As a collegiate athlete, she graduated magna cum laude with a BA in Finance and has since earned an applicable Ph.D. in Life.
She garnered over 15 years of sales and business development experience in the corporate world working across 6 states and consistently performing in the top 10% of her peers. Having checked many boxes on her life goals list - traveling the world, achieving corporate success, marrying a loving husband, and starting a family, she still felt anxious and incomplete. She knew there were untapped parts of her soul longing to be unleashed. Melissa chose to boldly follow that inner knowledge leaving her corporate career and went on to be in the top 1% of a social impact direct sales company, build a coaching business at The Ripple Connection, and coach over 1,000 women in sales, mindset, and life alignment. She is a living example of her own body of work and is a vision holder for other women to confidently take the leap to make the difference they know they’re here to make. As a soul whisperer, Melissa ignites heart-led female leaders to embody their purpose and bravely design a business and life on THEIR terms! One of the ways in which she does this is by creating a signature path for women to bring their dream businesses to life. She ensures that the work you do is in alignment with who you are. Her purpose is to help women break free of the conditioning that keeps them fearful of following their own dreams while creating an abundance of everything - money, flexibility, impact, and time for themselves. As a result, she attracts high-achieving women who are done living life on other people’s terms and are ready to unleash their feminine power. Connect with Melissa: WEBSITE: https://www.therippleconnection.com/ FACEBOOK: https://www.facebook.com/therippleconnection INSTAGRAM:https://www.instagram.com/therippleconnection/?fbclid=IwAR0jMbfO0g7odwsiyETI4YDYHFz2LBJbCHXqTXGJUfcbrR1i_CrU_7KY4Q4 Learn more about your ad choices. Visit megaphone.fm/adchoices
Navigating the needs of the world can be daunting. How can we be sure our chartable giving has the greatest impact? Radha Friedman, a Philanthropic Advisor, helps us create thoughtful and effective strategies for planned giving, and she offers tools we can access to help us evaluate charities. Radha Friedman is a philanthropy and social impact advisor on a mission to encourage investing in women and girls, especially women of color, women who are LGBTQ and women with disabilities. She has been working to advance gender equality for over 20 years and has seen firsthand that how people use their finances—where they spend, invest, and donate—can be a powerful act of social change. She created Radha Friedman Consulting to help deepen social impacts and show up for the people, communities and causes that matter. This is a space to work together to build a world where women (including trans, non-binary and gender non-conforming folks) have equal rights, power and resources to all thrive together.
Connect with Radha: WEBSITE: https://radhafriedman.org/ FACEBOOK: https://facebook.comhttps//www.facebook.com/Radha-Friedman-Consulting-2051402751820127 TWITTER: https://twitter.com/radhafriedman INSTAGRAM: https://www.instagram.com/radhacal_good/ LINKEDIN: https://www.linkedin.com/in/radhafriedman/ YOUTUBE: https://www.youtube.com/channel/UCeJ1CxEnG-toMyt6UbBMK1Q PODCAST: https://open.spotify.com/show/2nQq0f2nUEJus6HNyyaniE?si=103d3309d0e248da LINKTREE: https://linktr.ee/radhafriedman Learn more about your ad choices. Visit megaphone.fm/adchoices
One of the leading causes of divorce is money. In the episode Barbara and Dena talk about how to redefine life after divorce, the importance of having conversations about money while dating, and how to handle money in 2nd and 3rd marriages. The conversations may not be easy – but they are so worth it! Dena Silliman Nielson, J.D. is the author of Common Sense Divorce: Ten Steps to Save You Time, Money, and Worry. A retired family law attorney who practiced law for almost 25 years, Ms. Nielson’s mission is to help those in divorce know how to survive the process and thrive in their new normal. To further this effort, Ms. Nielson has developed an online course, Common Sense Divorce: Divorce with Dignity and Regain Your Happiness and Self-Worth. Ms. Nielson currently resides in Whitney, Texas with her husband, Bill, and their little dog, Buddy. The Nielson’s have 5 children and 5 grandchildren all of whom reside in Colorado.
Connect with Dena: WEBSITE: www.DenaNielson.com FACEBOOK: https://www.facebook.com/theunlikelylawyer INSTAGRAM: https://www.instagram.com/denasnielson/ LINKEDIN: https://www.linkedin.com/in/dena-nielson-b351431b8/
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Recovering from the loss of a spouse in not easy. We may feel sad, lonely, resentful, or any other vast array of emotions. In this episode Robin gives us practical steps for re-discovering (or maybe discovering for the first time) who we are, and how to create new friendships and relationships that will keep us whole and happy. When you’re done listening, make sure you go onto to her website and play with the free tools she offers. Dr. Robin Buckley helps high-achieving clients thrive in their careers and relationships. She is an author, professional speaker, and cognitive-behavioral coach who works with executives and high-performance couples. Her proprietary coaching model uses a business framework and cognitive-behavioral strategies to support clients in creating and executing concrete, strategic plans for developing their careers and relationships. The owner of Insights Group Psychological & Coaching Services, Dr. Buckley has a Ph.D. in clinical psychology and served as a doctoral professor and dissertation chair for students in business, leadership, education, and healthcare. She has published two books, including Voices From the Village: Advice for girls on the verge of adulthood. Dr. Buckley is a columnist for Entrepreneur.com and has been featured as an expert on multiple media platforms, including Thrive Global, Authority Magazine, Nike, various podcasts, News Radio 96.7, and WGN Radio 720, and will be a TEDx speaker in May 2022 Connect with Robin: WEBSITE: http://www.drrobinbuckley.com/ FACEBOOK: https://www.facebook.com/findingthepowerwithin/ TWITTER: https://twitter.com/DrRobinInsights INSTAGRAM: https://www.instagram.com/drrobinbuckley/ LINKEDIN: https://www.linkedin.com/in/dr-robin-buckley-8257277/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Families come in all sizes and shapes. Married, unmarried, registered domestic partners, LGBTQ+, kids, step kids…. The planning issues and options are endless, and each carries its own tax, legal, and emotional ramifications. It’s complicated. In this episode, Danielle breaks out of the norm and encourages us to start talking about the business issues of relationships. Danielle P. Barger is a Certified Specialist in Estate Planning, Trust and Probate Law (State Bar of California Board of Legal Specialization), a designation reserved for those attorneys who are able to meet California’s comprehensive education and experience requirements in the field of Estate Planning, Trust and Probate Law. Danielle is committed to providing valuable legal services to families and helping them make important life decisions for their family which can impact them for years to come. A large part of her estate practice includes advising non-traditional families, including LGBTQ+ clients, in their estate planning needs. In addition to crafting exceptional estate plans for her clients, Danielle provides business planning services. She firmly believes that for the business person, business planning and estate planning go hand in hand to protect their assets and provide for a smooth succession to his or her heirs. Having owned and operated her own law firm for eight years, and then re-launching a new law firm in 2020, Danielle understands first-hand the issues and problems facing business owners. As a result of her real world experience, she is able to better advise her business clients. Danielle is a San Diego native who holds degrees from the University of Southern California, the University of California Los Angeles, and Thomas Jefferson School of Law. Danielle is affiliated with the San Diego County Bar Association, the California State Bar Association, the Nevada State Bar Association, Wealth Counsel and ProVisors. Connect with Danielle: WEBSITE: https://dbsquaredlaw.com/about/danielle-p-barger-esq/ LINKEDIN: https://www.linkedin.com/in/daniellebarger/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Anuschka was given a devastating prognosis about her health. She made up her mind that the news was not going to define her or her life. Faith and determination gave her back her health. We hope you enjoy this episode and make the decision to say YES to life like Anuschka did. Anuschka Alborzian graduated with her Computer Science and Engineering degree in 2003 and began her career as a Software Engineer turned IT Consultant for 14+ years ending her career in the computer world in 2017 upon hearing a diagnosis and prognosis that would change her life forever. She scheduled an MRI for a peace of mind on 8/23/2017, and instead of leaving with a peace of mind, an avocado-sized Stage 4 Glioblastoma (GBM) Brain Tumor was discovered. This was an awakening to her soul’s purpose as a Healer! For the first time ever, she felt so much gratitude for being alive after looking the prognosis of death in 3-5 years (later to be escalated to 6-18 months) in the face and undeniably stating to the brain surgeon: “This is not my time to go! Watch me.” Anuschka was clear she was meant to go through this experience to heal herself in order to be that for other souls: to provide a safe and healing space for them to release, shift, transform, and heal from within as well! After receiving a prognosis she refused to believe, a passion ignited within Anuschka that had her leap into a year long Coach Training program halfway through chemotherapy and directly after start another year long Energetic Healing Mastery Program, which has provided her to opportunity to combine her life altering experiences, gifts, talents, & skills to bring about a unique coaching and healing experience for those desiring to level up their health and healing to the next level! As she continues to witness astonishing shifts, transformations, & healings in the clients she’s been working with, Anuschka is ready to share her vision of shifting the health and healing paradigm for many others that are ready, whether they have recently been diagnosed of a life altering medical condition and not sure how to navigate through their fears, or have been blocked and struggling to achieve their ideal healthy lifestyle! Through her awakening and rebirth, Anuschka discovered her Soul’s purpose and now she empowers committed souls dealing with health struggles to heal their mind, body, and spirit so that they can live life to the fullest in the face of any circumstance! Connect with Anushka: FACEBOOK: Personal: https://www.facebook.com/Anuschka23 Business: https://www.facebook.com/HealingWithAnuschka Private FB Community (High Vibe Support Tribe): http://bit.ly/highvibesupporttribe INSTAGRAM: https://www.instagram.com/healing.with.anuschka LINKEDIN: https://www.linkedin.com/in/anuschka TWITTER: https://twitter.com/AnuschkaHealing LINKTREE: https://linktr.ee/healingwithanuschka WEBSITE:https://healingwithanuschka.com WEBSITE: https://radicalremission.com/profile/anuschka-alborzian
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Money can be a stressful and heated topic for couples, especially if they have different backgrounds and values systems. When the conversations get tough, Dana teaches us how we can reignite empathy and compassion. The ultimate outcome is that we can still dream and feel heard and valued - even if we don’t agree. Checkout this podcast and then check-in with how you’re doing in your relationship. Dr. Dana McNeil is a Licensed Marriage and Family Therapist and is the founder The Relationship Place, a group practice with locations in her home town of San Diego, California. Dr. Dana’s practice specializes in couples’ therapy and utilizes an evidence-based type of couples’ therapy known as the Gottman Method. Dr. Dana is a certified Gottman Method therapist and Bringing Home Baby instructor. She also leads trainings at the Gottman Institute to help clinicians master the art of couples therapy. Dr. Dana works with all types of relationship issues from pre-marital counseling, dealing with the aftermath of extramarital affairs, partners working through addiction recovery, military deployed families, parents of special needs children, LGBTQ+ partners, and polyamorous/ethical non-monogamy clients. Dr. Dana makes presentations about her work with couples at conferences such as Therapy Reimagined and CAMFT. She is often featured on relationship podcasts such as the Practice of the Practice, the Practice of Therapy, Modern Therapists Survival Guide, and Relationship Advice, to name a few. Dr. Dana regularly contributes to media publications and television appearances for outlets such as the Business Insider, MSN, Yahoo, Bustle, Parade, Oprah Living, Martha Stewart Living, Reader’s Digest, and AARP. Dr Dana is the resident relationship expert on the Cox Communications show “I Do” and will be featured in an upcoming documentary on the art of couples therapy.
Connect with Dr. Dana: WEBSITE: https://danamcneil.com/ INSTAGRAM: https://www.instagram.com/drdanamcneil/ FACEBOOK: https://www.facebook.com/DrDanaMcNeil LINKEDIN: https://www.linkedin.com/in/dana-mcneil-shutt-77b44415 THE RELATIONSHIP PLACE WEBSITE: www.sdrelationshipplace.com THE RELATIONSHIP PLACE INSTAGRAM: https://www.instagram.com/sdrelationshipplace/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Ollie Benn and Barbara Norman talk about the gratification of giving, the impact of charitable donations, and the various tax breaks that a person may not know about – and should! Enjoy this feel-good episode as Ollie shares the successes that the Jewish Community Foundation has had with their quick response to the humanitarian crisis in Ukraine, their service to San Diego’s homeless population, and to other pressing community needs Ollie Benn is the Director of Philanthropy and Social Impact and the Jewish Community Foundation San Diego. In that role, he led the giv4 homelessness in san diego fund, an initiative designed to engage all San Diegans in effective philanthropic solutions to homelessness. Before joining JCF, Ollie was Executive Director of San Francisco Hillel. He was formerly an attorney for an international law firm, and also has experience in the Bay Area startup community. Ollie received his J.D. from UC Hastings College of the Law and a B.A. in History from the University of Pennsylvania. He lives in San Diego with his wife and young son. Ollie’s interests reflect him having lived equal amounts of his life in England and California, as he can seamlessly transition from being a yoga practitioner to a tea-sipping fan of English Premier League team Tottenham Hotspur.
Connect with Ollie, and the Jewish Community Foundation of San Diego:
JCF SAN DIEGO WEBSITE: https://jcfsandiego.org/ LINKEDIN: https://www.linkedin.com/company/jewish-community-foundation-san-diego/ YOUTUBE: https://www.youtube.com/user/jcfsandiego/ TWITTER: https://twitter.com/jcfsandiego FACEBOOK: https://www.facebook.com/jcfsandiego
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Talia’s superpower is her ability to play and be creative. In this delightful episode, she teaches us the underlying traits of procrastination and what they tell us. In her own unique and wonderful way, Talia shows us how we can play with the “procrastination gremlin” and grow past the barriers that keep us stuck in life. Talia Dashow coaches people on ending procrastination, and on using creativity as a means to grow. She has been coaching since 2001, using creativity to help people learn, heal, and love themselves. Talia has earned a BA in English at UC Berkeley, a certificate as a mediator, and a certificate to facilitate Lego Serious Play.
Connect with Talia: LINKEDIN: https://www.linkedin.com/in/taliadashow/ FACEBOOK BUSINESS PAGE: https://www.facebook.com/taliadashowcoaching FACEBOOK GROUP: https://www.facebook.com/groups/creativityasaspiritualpractice CREATIVITY CLUB (meets Thursdays 4:00-5:00 pm PST): https://us02web.zoom.us/j/81950411129?pwd=ME5zRjZXZmF5UTBEek5ndzFnQ2M0dz09 SCHEDULE A “BREAKFREE OF PROCRASTINATION SESSION”: https://app.acuityscheduling.com/schedule.php?owner=13644361 Learn more about your ad choices. Visit megaphone.fm/adchoices
Julie Derry - Sage Money Conversations with Barbara Norman - Episode 022: Aging 1-2-3 - “How did this happen?” One morning we wake up and realize that we (or our parents) are 95 and need help. What now? Julie Derry walks us through the steps and the essentials of planning for Assisted Living. Julie Derry is a former Senior Marketing Executive and E-Commerce pioneer with over 25 years of experience leading the Digital Experience for large retailers such as Harry & David, REI, Guitar Center and See’s Candies. In 2015, Julie left the corporate world and spent a year searching for a career opportunity where she could make a real difference in people’s lives. This pursuit led her to obtain a national accreditation as a Certified Senior Advisor (CSA) and begin working with the aging population. Julie consults with aging adult clients and their loved ones to educate and guide them in planning for their aging experience. Julie’s passion for serving the aging population is only exceeded by the satisfaction she experiences upon successfully helping her clients achieve peace of mind. Julie is a founding member and past President of the San Diego Chapter of the National Placement and Referral Alliance. She is on the Board of Directors and serves as the Vice Chair for Oasis Lifelong Adventure and sits on the Board of Directors for Glenner Center. - Connect with Julie: WEBSITE: https://agingwellpartners.com/ LINKEDIN: https://www.linkedin.com/in/juliederry/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Joe Nunziata
Sage Money Conversations with Barbara Norman Episode 021: Elevate Your Energy, Elevate Your Life None of us come into this life as a perfect person. In this enlightening episode Joe teaches us how identify our self-limiting beliefs and break negative patterns. When we heal and bring more peace and love into our lives, our lives change for the better. Joe’s approach is simple, accessible and does not require years of talk therapy on a couch. What’s not to love? Joe Nunziata is a best-selling author, spiritual life and business coach, and professional speaker who teaches that to make permanent changes you must clear your negative energy and break destructive patterns of behavior at the core level. The transformational process Joe developed enables people to create new energy and beliefs designed to achieve sustained, positive growth in all areas of life. He has appeared on many television and radio programs including Good Day New York and Street Talk on Fox TV, Gaiam TV, Cablevision News 12, Better TV, The Braveheart Network and various radio shows, podcasts and summits worldwide. His books include: Heal the Deal, Chasing Your Life, Karma Buster, Spiritual Selling, Finding Your Purpose, and No More 9 to 5. His other programs include: Elevate Your Energy Elevate Your Life, No More Mental Barriers, Connecting to Your Spirit and The 7 Keys to Transformation
Connect with Joe: WEBSITE: https://www.joenunz.com/ WEBSITE: http://HighEnergySelling.com FACEBOOK: https://www.facebook.com/JoeyNunziata INSTAGRAM: https://www.instagram.com/joenunziata/ LINKEDIN: https://www.linkedin.com/in/joenunziata/ YOUTUBE: https://AShotofJoe.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Izdihar Jamil - Sage Money Conversations with Barbara Norman - Episode 020: From Fear to Success - Get ready to be delighted and motivated. This episode of sage Money Conversations takes you on the incredible journey of Dr. Izdihar, as she shares her inspiring and touching story about powering through adversity and discrimination to become one of the leading female inspirational leaders and a best-selling authors. Dr. Izdihar Jamil is an immigrant, Asian, hijab-wearing, Muslim computer scientist turned media expert. She has been a coach and entrepreneur for over 15 years. In 2021, Izdihar was inducted into the prestigious Marquis Who's Who biography in recognizing her contribution as the top 5% in the industry with Warren Buffet and Oprah. She is also an upcoming TEDx presenter sharing her idea about to inspire marginalized women to be confident with their heritage and roots. She is an influential trailblazer and inspirational leader in helping female entrepreneurs to be the #1 go-to experts in their field with her simple, no-fuss methods. She has helped over 100 people to be a #1 international best-selling author, get in the media, magazines, high-profile interviews and publications. Izdihar lives in California with her husband and three kids and in her spare time she loves reading and baking for her family. - Connect with Izdihar: WEBSITE: https://www.izdiharjamil.com/ FACEBOOK: https://www.facebook.com/iamdrizdiharjamil INSTAGRAM: https://www.instagram.com/iamdrizdiharjamil LINKEDIN: https://www.linkedin.com/in/iamdrizdiharjamil YOUTUBE: https://www.youtube.com/channel/UCEWb8eXBvihwMr6AkDeKyMQ TWITTER: https://twitter.com/IzdiharJamil Learn more about your ad choices. Visit megaphone.fm/adchoices
Carlie Berke - Sage Money Conversations with Barbara Norman - Episode 019: Sensible Divorce Decisions - Divorces are not only emotionally exhausting, they can be financially draining. Over the course of such a trying procedure, you need someone in your corner who can help you best hang on to your assets and money, and keep the process as quick and painless as possible. On this week’s show, Barbara interviews Carlie Berke, CDFA, CVA, who breaks down not only the valuable financial information you’ll need to know before getting divorced, but also, who you’ll need to consult at which stage of divorce proceedings, and the many case-by-case scenarios that she’s seen unfold in her long and accomplished career helping divorcees save their money. Carlie Berke is the Founder of Your Money Advocate and is a Certified Divorce Financial Analyst (“CDFA”) and a Certified Valuation Analyst (“CVA”). Ms. Berke has worked on over 250 marital dissolution cases that were predominantly settled through alternative dispute resolution, in addition to providing expert witness testimony. Her experience in the field of marital dissolution includes business and asset valuation, income and expense analyses, separate property tracings, executive compensation and related equity awards, commercial and residential real estate economic analyses. She also has a unique background related to dividing alternative investment assets in marital dissolutions. Ms. Berke brings over 35 years of experience in finance with extensive expertise in valuation, financial modeling and budgeting and distilling and presenting complex financial analyses. She has structured and raised over $3 billion of equity and debt securities in both the public and private markets including IPO’s, corporate bonds, secured debt, structured finance, preferred stock, Master Limited Partnerships and has advised on a number of mergers and acquisitions. She managed $1.3 billion of commercial real estate assets for pension funds, institutional funds, family offices, endowments and foundations. Ms. Berke was named Vice President of Finance of a multi-billion dollar publicly traded REIT. She is an alternative assets specialist such as private equity, venture capital, hedge funds and real estate partnerships to name the key types. - Connect with Carlie: WEBSITE: https://yourmoneyadvocate.net/ LINKEDIN: https://www.linkedin.com/in/carlieheadapohl/%20 YOUTUBE: https://www.youtube.com/results?search_query=carlie+headapohl
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Amanda Singer - Sage Money Conversations with Barbara Norman - Episode 018: Simplify Your Divorce - Litigating your divorce can be highly emotional and very expensive. Even worse, when a couple ends up in court, they are delegating critical decisions to a total stranger who doesn’t know the family. Amanda teaches us about mediation and pre-marital agreements, and how these tools can gracefully get us through the uncoupling process and on to the next chapter of our lives. - Amanda Singer is co-owner and professional family mediator of West Coast Family Mediation Center, located in San Diego and serving clients throughout California. Amanda is a licensed attorney, an APFM Certified Advanced Practitioner Mediator and Certified Divorce Financial Analyst with a Masters in Dispute Resolution from the Straus Institute for Dispute Resolution at Pepperdine University School of Law. She works with clients who are going through divorce, getting married or dealing with other family conflicts through mediation. Amanda is also the current Vice President of the Academy of Professional Family Mediators (APFM). - Listen to this information-packed episode of Sage Money Conversations, full of financial tips to consider when entering a marriage, or getting divorced. Connect with Amanda: WEBSITE: https://westcoastfamilymediation.com/ FACEBOOK: https://www.facebook.com/WestCoastFamilyMediationOC/ TWITTER: https://twitter.com/divorce_ca YOUTUBE: https://www.youtube.com/channel/UC6V_SZbWzN21ZBZPviZJgzQ LINKEDIN: https://www.linkedin.com/company/west-coast-family-mediation-center/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Laura McGee - Sage Money Conversations with Barbara Norman - Episode 017: So, You’re Thinking About Getting Divorced... - If you are thinking about making this crucial life change, then it’s important to consider the financial and emotional endeavors you will be taking on. Learn how to prepare and what critical documents you should gather before you drop the news. Laura’s coaching expertise will help you get ready as she talks about entering the process with right intention and how to build a critical support system for yourself. - Laura McGee, J.D., is the founder of Leave Strong Divorce Services. Laura’s inspiration for creating Leave Strong Divorce Services in 2011 was her own costly experience with a traditional litigated divorce in North County. Her search for cost-effective divorce support turned up few options, so she decided to put her years of legal training and personal experience to work for others by establishing the kinds of divorce services she had been seeking. Laura mediates over 60 divorces a year for couples in the San Diego area and coaches individuals contemplating divorce or using other mediators so they are prepared for their negotiations ahead. - Listen to this information-packed episode of Sage Money Conversations, full of essential financial tips for the process of getting divorce. - Connect with Laura: WEBSITE: https://www.leavestrong.com/ LINKEDIN: https://www.linkedin.com/in/lauramcgee/ FACEBOOK VIDEOS: https://www.facebook.com/LeaveStrong/videos/1699196743426308/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Melina Rissone - Sage Money Conversations with Barbara Norman - Episode 016: Mindful Home Buying - Home buyers seems to have a checklist for what they want in a home: • 3 bedrooms / 2 bathrooms - check. • Schools - check. • Whatever else - check. Melina tells us how to get past the mind-numbing process of searching for a home and to look deeper into what makes us happy. Learn to connect your personal story to your next new home and engage with your new neighborhood. This is a delightful journey into home buying! - Melina Rissone is an associated real estate broker, mom to an 11 year old girl and German Shepard pup. She is a lover of nature, camping and being outdoors. She is passionate about supporting people to make their lifestyle come true by creating a real estate environment with purpose. Her Motto is: “who you work with matters.” - Listen to this information-packed episode of Sage Money Conversations full of things to consider when buying a home. - Connect with Melina: LINKEDIN: https://www.linkedin.com/in/melina-rissone-9133955/ FACEBOOK: https://www.facebook.com/SDPropertyFinder/ INSTAGRAM: https://www.instagram.com/melinarissone/?hl=en YOUTUBE: https://www.youtube.com/channel/UC309TSaVK1PfR75VO4up8OQ YELP: https://www.yelp.com/biz/melina-rissone-sdpropertyfinder-inc-san-diego ZILLOW: https://www.zillow.com/profile/mrissone/ HOME SELLERS E-GUIDE: https://www.simplifyingthemarket.com/en/sellers/?a=280643-6b2241359c798b5676bc249a3f33efd7
Melina Rissone, Associated Real Estate Broker with Coldwell Banker West DRE 01498140 Cell 619-865-6017 https://sdpropertyfinder.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Kelley Owens
Sage Money Conversations with Barbara Norman, CFP®
Episode 015: How I Paid Off Crippling Debt Kelley and her husband paid off over $300,000 of student loans, while still being able to invest and have fun along the way. Did I mention that she also has young kids? Learn how Kelley dug her way out of crippling debt and what it did for her life and her attitude. Her journey is an inspiration and a great lesson for taking responsibility for your choices and learning to love life. Kelley graduated cum laude from the University of Southern California in 2005 and received her law degree from the University of San Diego in 2008. She practices law in San Diego, California and where she serves as a real estate attorney for public entities. She has been in practice for 13 years and is the chair of her firm's Business & Real Estate practice group. Kelley has a passion for mentoring newer lawyers on topics of work-life balance, practice management, and personal finance. Through her own student loan journey, Kelley found the Oola Green Gap, and now she wants to share her story in the hopes that it can help other attorneys who are buried in debt and thinking there is no good way out. Kelley is a huge fan of the Oola Lifestyle Framework, as the program has helped Kelley tremendously in balancing motherhood, legal career, self-care, and all the things! - Kelley graduated cum laude from the University of Southern California in 2005, and received her law degree from the University of San Diego in 2008. - Connect with Kelley: WEBSITE: https://f3law.com/attorneys/kelley-a-owens/ LINKEDIN: https://www.linkedin.com/in/kelley-owens-88826a6/ TWITTER: https://twitter.com/f3law Learn more about your ad choices. Visit megaphone.fm/adchoices
Vladan Trifunovic - Sage Money Conversations with Barbara Norman, CFP® - Episode 014: Why Your Best Friend is Your P&C Agent - You’ve had an accident. It happens. Did you know that they way you talk to your adjuster will affect how your claim gets (or does not) get paid? I never call an adjuster unless I talk to my agent first. Listen and learn why! This episode holds lots of surprises about the nuances of property and casualty insurance. - Connect with Vladan: WEBSITE: https://www.statefarm.com/agent/us/ca/san-marcos/vladan-trifunovic-xxlkl5dc9ak LINKEDIN: https://www.linkedin.com/in/vladan-trifunovic-30338610/ FACEBOOK: https://www.facebook.com/vladtheagent/ INSTAGRAM: https://www.instagram.com/vlad_theagent/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Bertha Edington
Sage Money Conversations with Barbara Norman, CFP®
Episode 013: Marriage and Money: Do You Know Where the Money Is? Not all marriages are transparent and loving. In this episode we get a glimpse into Bertha’s marriage and the disaster that can occur when a woman does not actively participate in the family finances. - This is a cautionary tale for anyone who lets their spouse do it all. Bertha is a longtime marketing executive with high-tech startups, international corporations, advertising agencies and marketing firms. Bertha has successfully created everything from new websites to lead generation campaigns to brand development programs. Her efforts have significantly contributed to the market awareness and sales growth of her client’s organizations. - Listen to this information-packed episode of Sage Money Conversations about how to bounce back from difficulties in love and business. - Here is what to expect on this week’s show:
• Bertha’s story of how her financial future was derailed in her marriage. • How to rediscover your happiness and independence after a divorce. • What Bertha would tell a younger version of herself, if she had the chance. • The importance of building a community to fall back upon in trying times. • Bertha’s favorite piece of advice Connect with Bertha: WEBSITE: https://www.getmarketinginfluence.com/blog/author/hillcrestgal/ LINKEDIN: https://www.linkedin.com/in/berthaedington FACEBOOK: https://www.facebook.com/GetMarketingInfluence/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Arch Fuston - Sage Money Conversations with Barbara Norman, CFP® - Episode 012: Growth is an Inside Adventure - Take an adventure of the mind. Self-limiting beliefs can hold us back in life. Discover how to create an awareness, release fears and pattern, and find fulfillment. - Arch Fuston is the founder of Arch Fuston Coaching. Arch partners with people seeking to discover their sense of identity and grow their self-esteem. Whether it’s getting your self-worth to exceed your net-worth, building a better relationship with stress and anxiety, and/or accurately uncovering what you truly value in life and becoming it, Arch guides you to it. Arch contributes as a certified leadership coach, a Mental and Emotional Release Master Practitioner, and a Certified Stress Mastery Educator. He has his MEh.D. from the school of life, and is currently on his own path to becoming a coveted Certified Self-Concept coach. - Listen to this information-packed episode of Sage Money Conversations about personal growth, and living a more fulfilling life. - Connect with Arch: WEBSITE: https://www.archfuston.com/ LINKEDIN: https://www.linkedin.com/in/archfuston/ INSTAGRAM: https://www.instagram.com/archfuston_coaching/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Miguel Nunez - Sage Money Conversations with Barbara Norman, CFP® - Episode 011 – Secrets for Getting Paid Top Dollar for Your Home & Navigating Probate - Miguel is not your typical realtor. It’s not about selling a home. Rather, it’s about getting top dollar for the least amount of angst. He uses his civil engineering and construction management to assess whether a house should be fixed up or sold as-is. He is a former private Fiduciary and he specializes in probate real estate and helping beneficiaries to navigate the court system. You’ll want to listen to the end, as he reveals his secrets for how he gets buyers into heated bidding wars and prevents post-offer negotiations. - As a Realtor, Miguel Nunez and his team at Miguel Nunez & Associates specializes in probate and trust real estate sales. The Trustees, Trust Officers, Fiduciaries and Attorneys he has partnered with over the past 23 years have found that Miguel’s professional background as a former private Fiduciary lends a unique understanding to the complexities of the disposition of residential and commercial real estate where trusts and probate are a consideration. Miguel’s early career as a licensed Civil Engineer with a Master’s in Construction Management also brings a keenly experienced and knowledgeable eye to the assessment and valuation of client properties. Serving over ten years as a Private Fiduciary, further increased his understanding of the Probate process, pitfalls and court dynamics. When undertaking the selection of a Realtor, the depth and breadth of information he provides clients facilitates the due diligence process with the Beneficiaries, Estate Attorneys, Private Fiduciaries and the Courts. His firm also assists clients with readying properties for sale with the many licensed handymen, cleaning crews, estate sales teams, locksmiths, hauling and contractors, etc., that we have long-standing relationships with. What truly distinguishes Miguel Nunez & Associates is the ability to streamline the real estate disposition process while providing a concierge-level experience, freeing up clients’ time to focus on their clients’ other demands and issues. - This episode of Sage Money Conversations offers Miquel’s unique approaches to real estate and what to expect when real estate is in probate. - Here is what to expect on this week’s show: What to expect when the family home is in court. The two types of probate sales, and how to tell which one is right for you. Miguel outlook on the current housing market. How to get the most from the sale of your home. What to look for when hiring a good realtor. - Connect with Miguel: WEBSITE: https://mnateam.com/ LINKEDIN: https://www.linkedin.com/in/miguelnunezrealtor/ FACEBOOK: https://www.facebook.com/miguelnunezandassociates INSTAGRAM: https://www.instagram.com/miguelnunezsd/ YOUTUBE: https://www.youtube.com/channel/UC0BsIUIQVU5dZZsTh3MWU5A Learn more about your ad choices. Visit megaphone.fm/adchoices
Tom Horvath -
Sage Money Conversations with Barbara Norman, CFP® - Episode 010: Dealing With Family Addiction - Addiction can be financially devastating, it can destroy a life, and it can tear a family a part. It’s typical for addicts to attend numerous and expensive treatment programs to no avail. In this revealing episode, Dr. Tom Horvath tells us why the traditional approaches to addiction do not work and he offers alternative ways to treat addiction, talk with our loved ones, and create a happier home life. - Dr. Horvath, author of Sex, Drugs, Gambling & Chocolate: A Workbook for Overcoming Addictions, has specialized in addictive problems since 1985. He is a California licensed (PSY7732) and board-certified clinical psychologist. He is the founder and president of Practical Recovery Psychology Group in San Diego. He is the past president of the APA’s Society of Addiction Psychology where he led Division 50, the world’s largest group of addiction psychologists. He instructed graduate addiction courses at Alliant International University and the University of San Diego. For 20 years he served as the president of SMART Recovery, an international foundation that sponsors free meetings for science-based addiction treatment, self-empowerment training, and support groups. He continues to serve on SMART’s US board of directors, and the Global Research Advisory Council for SMART Recovery International. He is a fellow of the San Diego Psychological Association, ABCT and APA. -
On this episode of Sage Money Conversations, learn about Dr Horvath’s unique approach to breaking addictions and techniques for forming happier life choices.
Here is what to expect on this week’s show: Rat Park. Learn what this study reveals about errors in the scientific studies on addiction. Why rehab isn’t a one-size-fits-all solution. Communication tips for how to take the “heat” out of conversations. Learn what “Smart Recovery” can do for you or your loved one. - Connect with Tom and Practical Recovery: WEBSITE: https://www.practicalrecovery.com/ FACEBOOK: https://www.facebook.com/practicalrecovery TWITTER: https://twitter.com/PracticalRecov PINTEREST: https://pinterest.com/practicalrecov/ INSTAGRAM: https://instagram.com/practicalrecoverysd YOUTUBE: http://www.youtube.com/user/PracticalRecoveryInc/feed LINKEDIN: https://www.linkedin.com/in/tom-horvath-81959a69/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Ann Chamberlin - Sage Money Conversations with Barbara Norman - Episode 009 - Whether you are negotiating a pay raise, moving to a new company, or re-entering the work force, this episode is a great resource. Our guest, Ann Chamberlin, is a leader in early-stage technology companies and a key executive for successful mergers and acquisitions. Over the course of her career Ann spent considerable time on both sides of the table in salary negotiations. She tells us how to position our value as employees, build trust with the employer, and develop a partnership attitude during the interview phase. She is a big believer in win-win scenarios and her techniques lead to happier outcomes for both employers and employees. - Listen to this valuable episode of Sage Money Conversations, for tips on re-entering the workplace, and getting the most out of your contract negotiations. - Here is what to expect on this week’s show: ● Tips for women who are negotiating re-entering the workforce. ● How and when to give push back during contract negotiations. ● Certifications and recruitment programs to look for when considering re-entering the workplace as a new mom. ● Ways that the wage gap between men and women has (and has not) changed over the years. ● Tips on how to carry yourself in a job interview.
Connect with Ann: LINKEDIN: https://www.linkedin.com/in/annchamberlin/ TWITTER: https://twitter.com/AnnChamberlin3 Learn more about your ad choices. Visit megaphone.fm/adchoices
Linda Jahnke - Sage Money Conversations with Barbara Norman, CFP® - Episode 008: The Hardships of Paying for Long-Term Care - Long Term Care is a difficult topic. None of us want to think about losing our independence. We don’t want to admit to losing capacity and we don’t want to be told what to do. Further, the conversations can be embarrassing. Yet, these are the conversations we may need to have with our parents or a spouse. In this tender episode about navigating long term care, Linda tells us how to talk with our loved ones and navigate the difficulties of Long Term Care Insurance. . - For over 30 years, Linda Jahnke has been a well-known and trusted elder care resource in San Diego. After graduating from the University of Iowa, she began her career working in a skilled nursing facility. Seeing the need to plan for care expenses, Linda quickly built a career as an insurance broker. The mission of Jahnke Consulting is to advocate for their clients and manage long term care claims. She works closely with families to assess the needs of elders as they navigate the complexities of the health care system and their long-term care insurance claims. Her company has filed hundreds of successful LTCi claims, where claims have been denied. - During the early years in her practice, she volunteered as an Ombudsman with the Area Agency on Aging and has served as Secretary and Vice Chair for the George G. Glenner Alzheimer’s Family Care Centers. - This episode of Sage Money Conversations focuses on how to talk with loved ones and navigate the complexities of long-term care insurance. - Here is what to expect on this week’s show: How Linda got involved in long-term care, and the tragic event that turned her into a patient advocate. The frustrations of long-term care insurance, and how to navigate rate hikes. How to get the most out of a long term care insurance policy. What to do when a loved one resists sensible care solutions. - Connect with Linda: WEBSITE: https://www.jcltca.com/ LINKEDIN: https://www.linkedin.com/in/lindajahnke/ Learn more about your ad choices. Visit megaphone.fm/adchoices
John Henberger
Sage Money Conversations with Barbara Norman. CFP® - Episode 007: Making Your Business More Saleable - Your business is an expression of your life’s passion, your dreams, and your hard work. You want to get the greatest value you can from the sale, and in many cases, protect the financial security of your management team and employees. John Henberger, the founded the Henberger Group, shares his IntelligentExit® process where he talks about the processes and essentials for selling a business. Learn from the successes and mistakes of other’s businesses as we walk through the delicate process of selling your most valuable asset – your business - to the right successor.
John has been a successful business owner in the Southern California area for over 35 years. In 2002, he founded the Henberger Group to assist owners of privately held, middle market businesses ($10M to $200+ million) with exit planning and transition solutions. John has founded, acquired, ran, and sold a variety of businesses in the wine, manufacturing, distribution, and high-tech industries. He is the creator of the IntelligentExit® process and the author “How To Make Your Business More Saleable.”
Listen to this information-packed episode of Sage Money Conversations about how to prepare your business for the most optimal transaction.
Here is what to expect on this week’s show: John advice for when and how to prepare your business for sale. Some of John’s favorite success stories. Risk factors involved when selling a business. How to best ease the transition of ownership for clients and employees after making the sale. Why owning a business is a great way to cement a family legacy. - Connect with John: WEBSITE: http://www.henberger.com/ LINKEDIN: https://www.linkedin.com/in/johnhenberger/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Rod Hatley -
Sage Money Conversations with Barbara Norman, CFP® - Episode 006 Estate Planning Essentials - Rod Hatley, a former JAG officer, found his calling as an estate planning attorney after he and his sister experienced an expensive and time consuming seven-year probate for his fathers’ estate. When Rod’s father fell ill, Rod tried to get his father to do the estate planning he needed. Unfortunately, his father had a mental block and could not bear the thought of gifting or changing legal title to the assets he spent his life accumulating. In 1995, based on his experience with his father, Rod turned to estate planning so he can help others with the family conversations and the planning that needs to take place to avoid estate taxes and the costs and delays of probate. -
Rodney J. ("Rod") Hatley has his J.D., and LL.M in Taxation and he is the founder of Hatley Law Group AP.C.. Rod began his legal career working in personal injury litigation and then for the U.S. Navy Judge Advocate General’s (JAG) Corps, first as a Criminal Defense Counsel and Legal Assistance Attorney and then as a Staff Judge Advocate and Special Assistant U.S. Attorney. During this time he twice received the Navy and Marine Corps Commendation Medal. After coming off of active duty in the JAG Corps, Rod pursued a Master of Laws from the University of San Diego School of Law’s acclaimed graduate tax program and shifted into estate planning, trust, and probate law. Rod is licensed to practice in California and his home state of Tennessee. When he isn’t busy with his practice, Rod enjoys scuba diving (he is open water certified), snorkeling, and surfing (which he does very badly) in San Diego. He is a fan of MidCentury Modern architecture and volunteers his time to the Rotary Club (he is a Paul Harris Fellow) and the Nice Guys San Diego charity.
- Here is what to expect on this week’s show: - Hear Rod’s story. Disaster stories that show what happens when a person doesn’t plan. Basic Essential Estate Planning documents, explained in layman’s terms. Know the responsibilities of your agents, so you can appoint the right person to unwind your estate and help you if you are incapacitated. What happens in Probate Court, and how planning can help you avoid it. How to talk to your children and loved ones about estate planning issues.
Connect with Rod: WEBSITE: https://hatleylawgroup.com/ FACEBOOK: https://www.facebook.com/HatleyLawGroupAPC/ LINKEDIN: https://www.linkedin.com/company/hatley-law-group-a.p.c./ TWITTER: https://twitter.com/rodneyhatley Learn more about your ad choices. Visit megaphone.fm/adchoices
Colleen Hauk - Sage Money Conversations with Barbara Norman CFP® - Episode 001 - Burn-out is real. Colleen Hauk, a bestselling author and professional speaker, tells us how to overcome the feelings of being overwhelmed and wanting to quit. She offers tips for communicating with your employer and spouse, and to prioritize life events so you can be your happiest and best self. Her goal is to teach you how to live “The And Life.” Colleen spent 15 years in the corporate world specializing in training and leading sales teams. Her leadership and personal development skills were honed when she experienced, first-hand, the negative effects of poor leadership and lack of self-care. She transformed the workplace culture from toxic to thriving and, after suffering her own breaking point, she altered her circumstances and developed successful methods to become a sustained, elite leader. Colleen is now a speaker, trainer and co-author of two books, including the bestseller, Women Who Ignite. She shows organizations and leaders how to take burned-out female executives and turn them into top-tier women leaders. Colleen has appeared in Forbes and delivered her keynotes and trainings to Fortune 500 companies and organizations such as Dell, Pfizer, Panasonic, Merck, New York Life, and US Foods. - Listen to this information-packed episode of Sage Money Conversations about how to avoid burnout as a modern, professional woman. Here is what to expect on this week’s show: ● How Colleen changed her life to bounce back from career burnout. ● Know how to recognize and control burnout and make changes. ● Ways to effectively communicate your needs at home and in the workplace. - Connect with Colleen: WEBSITE: https://colleenhauk.com/ LINKEDIN: https://www.linkedin.com/in/colleen-hauk/ TWITTER: https://twitter.com/colleen_hauk?lang=en INSTAGRAM: https://www.instagram.com/colleenhaukspeaker/?hl=en THE COST OF LEAVING YOUR CAREER CALCULATOR: https://interactives.americanprogress.org/childcarecosts/ TEXT “burnout” TO 33777 FOR A FREE DOWNLOAD OF COLLEEN’S “FIVE MISTAKES THAT ARE FLAMING YOUR BURNOUT” Learn more about your ad choices. Visit megaphone.fm/adchoices
Zach Arend - Sage Money Conversations with Barbara Norman CFP® - Episode 003 - Zach Arend is a former rodeo cowboy, and he is a master at captivating audiences with powerful stories. As a professionally trained leadership coach he gives us hands-on tools for how to live more creatively and powerfully. Zach brings his stories and tools to stages and organizations across the US to produce transformations in personal development, leadership team performance, and greater productivity in the workplace. - Saddle-up and take ownership of your life and happiness on this information packed episode of Sage Money Conversations. - Here is what to expect on this week’s show: ● Growing up, Zach was kicked off a lot of horses. The lessons he learned became metaphors for life, persistency, and success. He loves sharing his insights with you. ● Zach’s guiding philosophy, “raise high and lift,” helps us to focus on what is important in live. ● How trusting yourself from the inside out will land you in a stronger, more secure place in life. ● Learn the Pearls of Wisdom that Zach teaches to his daughters and clients. - Connect with Zach: EOS: https://www.eosworldwide.com/zach-arend LINKEDIN: https://www.linkedin.com/in/zacharend/ INSTAGRAM: https://www.instagram.com/zach.arend/?hl=en FACEBOOK: https://www.facebook.com/chatwithzacharend YOUTUBE: https://www.youtube.com/channel/UC3PkILHtXgfJeh5E_MYj8-g Learn more about your ad choices. Visit megaphone.fm/adchoices
Colleen Warren - Sage Money Conversations with Barbara Norman CFP® - Episode 004 - Make no assumptions about what you will receive in your divorce. You may be shocked! Colleen Warren, a Certified Family Law Specialist, helps us break down the myths and misconceptions of spousal support – are there are a lot of them! The choices you make may affect your financial security for life. It’s important that the family law attorney you choose to defend your interests before, during and after a divorce should be someone with years of valuable experience, a track record of favorable outcomes, and the ability to relate to your frustrations. - Ms. Warren was admitted to the State Bar of California in 2006, became a CFLS in 2012, and she opened the Law Offices of Colleen A. Warren, APC in January 2016. Ms. Warren has also achieved an "AV Preeminent" rating by Martindale-Hubbell, the highest rating available to practicing attorneys. Colleen handles complex and high conflict cases involving property and custody. - Listen to this information-packed episode of Sage Money Conversations as Barbara and Colleen talk about alimony expectations and common mistakes in a divorce. - Here is what to expect on this week’s show: ● Dispelling pervasive myths about alimony. ● Know what a “Gavron Warning” and how it can affect your spousal support payments. ● What you should expect from your Family Law attorney. ● Tips for hanging on to certain assets in a divorce. ● Advice that Colleen would give to people going through a divorce. - Connect with Colleen: WEBSITE: https://www.warrenfamilylawfirm.com/ TWITTER: https://twitter.com/cawfamilylaw LINKEDIN: https://www.linkedin.com/in/colleenwarren/ FACEBOOK: https://www.facebook.com/Warrenfamilylawfirm/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Jenn Gunsaullus - Sage Money Conversations with Barbara Norman CFP® - Episode 002 - Our guest today, Jenn Gunsaullus, PhD, is a sociologist, intimacy speaker, and relationship & communication coach, and the author of From Madness to Mindfulness: Reinventing Sex for Women. Dr. Jenn has presented two TEDx Talks, co-hosts the podcast Sex Talk with Clint & the Doc, and has over 1.7 million views on her In the Den with Dr. Jenn YouTube video series. She lives in San Diego where she strums her ukulele and plays 2-on-2 beach volleyball every weekend. - Listen to this information-packed episode of Sage Money Conversations about those two big conversational taboos, sex and money. - Here is what to expect on this week’s show: ● What makes sex and money such difficult conversational topics to breach, even for intimately connected partners ● Methods for couples to reduce anxiety surrounding those topics, and a new paradigm for honest, open communication ● Benefits of open and honest communication in a relationship, and how to work through the initial awkwardness ● Lessons from the world of business that can be applied to the world of both sex and money - Connect with Jenn: WEBSITE: https://www.drjennsden.com/ LINKEDIN: https://www.linkedin.com/in/drjennsden/ TWITTER: https://twitter.com/drjennsden BOOKS: https://www.amazon.com/Jennifer-Gunsaullus/e/B009JXH40I%3Fref=dbs_a_mng_rwt_scns_share YOUTUBE: https://www.youtube.com/channel/UCXGhEDhetWqB20fBvGSqgGA FACEBOOK: https://www.facebook.com/jennifer.gunsaullus INSTAGRAM: https://www.instagram.com/drjennsden/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Jeffrey Bornman
Sage Money Conversations with Barbara Norman CFP® - Episode 005 - Finding Your Life Passion Finding happiness and meaning in life can be difficult to identify. In this enlightening episode, Jeffrey Bornman, a mind/body trainer and personal coach, reveals exercises for helping us to identify what gives us joy and purpose. Listen to the end and then click on his exercises. You may be surprised and delighted at what you find. - When Jeffrey started his career over 30 years ago, ‘Mind-Body Training’ had not yet been defined. He quickly discovered that permanent body change only comes when one changes their mind, thoughts, attitudes, and ideas about how life is lived. The answers for joy and health are in all of us. We just need the right training and tools to discover our passions. - Listen to this transcendental episode of Sage Money Conversations. It is full of tips for mind/body wellness and finding your passion in life. Learn to discover and live “your cosmic occupation.” - Here is what to expect on this week’s show: ● How Jeffrey found his purpose in life, and what gives him a sense of gratitude at the end of the day. ● How finding happiness and meaning is your decision. ● What a “cosmic occupation” is, and how one can determine what theirs is for themselves. ● Introspective and meditative questions for anyone needing direction in life. ● Tips on pursuing what makes you happy. - Want to learn more about finding your passion in life? Get your free your cosmic occupation worksheet and connect with Jeffrey: EMAIL: info@investyourvalues.com Learn more about your ad choices. Visit megaphone.fm/adchoices
We have this one precious life. How do you define happiness and how can you make your money work for you? Certified Financial Planner Barbara Norman has over 3 decades of experience helping her clients define success. Gain wisdom from this exposé on life and the make-or-break stories of others. Don’t miss these vital conversations, as Barbara and her guests reveal common financial mistakes, success stories, and uncover the emotional vulnerabilities of money. Get the information that you need right here, every week on the Sage Money Conversations podcast with life-empowerment professionals, advisors, CPAs, attorneys, and more. It’s your money; you deserve happiness and you deserve financial confidence. Make sage choices! Have a Sage Money Conversation. Learn more about your ad choices. Visit megaphone.fm/adchoices