Widow, Wisdom & Wealth with Donna Kendrick: Recent Episodes
Donna Kendrick
Welcome to Widow, Wisdom & Wealth™ with Donna Kendrick. On each show, Donna will aim to take the intimidation out of financial planning, so your family can handle any transition that comes its way.
From investing to retirement, Donna will cover all angles of financial planning. If you have a 401(k), IRA or other investments and want to know how you can protect your hard-earned assets and live a life of financial success, then this is the show for you.
If your financial life feels unclear or uncertain, then listen to the episodes of this show to gain confidence and clarity.
Donna is a Certified Financial Planner, a Certified Divorce Financial Analyst, and the founder of Sephton Financial in Wyndmoor, Pennsylvania.
Visit her website at https://sephtonfinancial.com/ or get in touch by calling 215-948-3945.
Donna Jean Kendrick talks with Michael Flores, a counselor, family therapist, and founder of Brighter Possibilities Family Counseling, about helping families navigate widowhood, divorce, co-parenting, and court-ordered counseling. Michael shares how his own childhood experiences shaped his mission and why he centers therapy on what children need, not just what adults want.This conversation is especially useful for single parents, widows, widowers, step-parents, grandparents, and therapists supporting blended or high-conflict families. The big idea is simple: when parents align on the goal, kids have a much better chance to heal.
Timestamps
00:00 - Donna Jean introduces Michael Flores and the families he helps
00:56 - Michael's background, training, and why counseling became his calling
02:49 - A quick name joke and the start of Michael's personal story
03:42 - Childhood loss, blended family dynamics, and growing up around family change
05:06 - Discovering psychology and realizing counseling was the right path
07:00 - Building Brighter Possibilities Family Counseling across Texas
07:52 - Job, career, and mission - what makes work meaningful
09:59 - How Michael approaches families facing divorce, widowhood, and co-parenting
10:24 - Why he centers therapy on the child's needs first
11:21 - Parental alignment versus co-parenting
12:01 - How therapy is structured with parents, kids, and family sessions
13:30 - Court-ordered reunification work and starting with the parents
14:29 - Gathering family history and deciding who joins sessions next
15:34 - Stepparents and grandparents as overlooked caregivers
17:03 - How Michael's father leaned on grandparents after loss
18:25 - Guilty parenting, helicopter parenting, and lawnmower parenting
20:26 - Donna Jean's own widowhood parenting experience and losing structure
22:08 - Creating a new normal after major family change
22:37 - Two questions that help people stay out of counseling: self-audit and stop avoiding
25:03 - Solution focused therapy and how it shifts attention to hopes and outcomes
26:31 - Working with resistant clients and why resistance may be on the therapist side
27:29 - A case example of role reversal with a daughter and her father
28:54 - The 4R exercise and how it quickly builds empathy
30:23 - Michael's book One Question Away and his upcoming professional book
31:19 - Silent sessions and helping clinicians work with high-conflict families
32:44 - The podcast Beyond Divorce, Embracing Change and why the team created it
34:45 - Where to find the podcast and how episodes connect across topics
36:00 - Michael's mission to help families, interrupt harmful patterns, and support healing
37:54 - Donna Jean reflects on the spiritual side of the work and generational impact
Connect with Michael:
Michael's Social Media and Website:
Website
YouTube
Michael's Podcast:
Apple Podcasts
Spotify
Amazon Music
_______________________________
CONNECT WITH DONNA 🤝 Facebook: / donnajeankendrick LinkedIn: / donna-kendrick Instagram: / donnajeankendrick _______________________________ CONTACT DONNA ☎ Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________ Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.
In this episode of Widow, Wisdom and Wealth™, Donna welcomes Raymond Lavine, host of Planning with Purpose and two-time EXPY award winner, for a candid conversation about long-term care planning. Rather than getting lost in policy jargon, the discussion focuses on why these conversations matter now—especially for widows, widowers, and families navigating major life transitions. Together, they explore caregiving, vulnerability, legacy, and the importance of having a plan that protects both your loved ones and your future.
What You'll Learn in This Episode:
- Why long-term care planning is really about love, responsibility, and protection
- The difference between caregiving for children and caregiving for adults
- Why people often avoid planning for care until it becomes urgent
- How long-term care planning can reduce anxiety and improve decision-making
- Why family conversations about care, legacy, and end-of-life wishes matter
- How planning ahead can support both the person needing care and their family
- The role of estate planning in shaping care, memorial, and transition decisions
Key Takeaways:
- Long-term care is not just a financial issue—it's an emotional and family issue.
- A plan gives you more control, more dignity, and more options.
- Avoiding the conversation can create stress for family members later.
- Caregivers should be treated with respect and appreciation.
- Planning for care, legacy, and memorial wishes can bring peace of mind.
- Even difficult conversations become easier when they're handled early.
Memorable Moments:
- Donna shares her own experience of becoming a widow at 40 and thinking about who would care for her if she got hurt or became ill.
- Raymond explains how caregiving changes when the person needing care is an adult.
- The conversation turns personal as they discuss planning funerals, legacy, and how people want to be remembered.
- Raymond shares a story about a client whose long-term care plan helped his family through a difficult transition.
About the Guest and Contact Info
Raymond Levine is the host of Planning with Purpose and a two-time EXPY award winner. He helps people think through long-term care planning in a way that supports real-life transitions, caregiving needs, and family peace of mind.
- Co-Author of the Amazon Best-Selling Book, Empathy and Understanding in Business
- Podcast Host of Planning with Purpose
- 2 Time EXPY® Award Recipient
- https://fountainofvitality.com/video/long-term-care-plan-considerations-and-challenges-ep-35-fountain-of-vitality
- https://www.youtube.com/watch?v=S98UnoiyTrQ
In this episode of Widow, Wisdom and Wealth™, host Don sits down with Dana Frost, founder of the Forced Joy Project, to talk about grief, resilience, and the power of community after loss. Dana shares the story behind her husband Brad's terminal cancer diagnosis, the "forced joy" mindset they created during his final 100 days, and how that practice evolved into a meaningful mission supporting widows, widowers, and others navigating life after loss.
Listeners will hear how the Forced Joy Project grew into a community with retreats, the Joy Scout Club, and creative tools for honoring loved ones through Book of Stories. Dana also explains why healing often happens in connection, not isolation, and how shared experiences can help people move through grief while still building a full, joyful life.
This conversation is heartfelt, honest, and surprisingly hopeful—especially for anyone looking for comfort, community, or a reminder that joy can still exist after profound loss.
In this episode, you'll learn:
- How Dana Frost's "forced joy" philosophy began during her husband's illness
- Why the Joy Scout Club was created for widows and widowers
- What to expect from Dana's retreats, including Joy Scout Camp and Widows in the Wild
- How Book of Stories helps families preserve memories and stories of loved ones
- Why community can be a powerful part of healing after grief
- How Dana continues to find joy in everyday life
Notable quote:
"Rarely, if ever, are any of us healed in isolation. Healing is an act of communion."
Resources mentioned:
- Forced Joy Project: https://forcedjoyproject.com
- Book of Stories: https://bookofstories.com
About the guest:
Dana Frost is the founder of the Forced Joy Project, a community and resource hub for people navigating grief and life after loss. Through retreats, online support, and memorial storytelling, she helps others find connection, meaning, and moments of joy in difficult seasons.
Links:
www.forcedjoyproject.com www.bookofstories.com www.joyscoutclub.com www.facebook.com/forcedjoyproject www.instagram.com/forcedjoyproject www.instagram.com/memorialbooks
In this heartfelt episode, Lisa Woolery shares her journey of overcoming widowhood, raising children, and rediscovering purpose through her mission of supporting widows. Her story offers powerful insights on healing, community support, and embracing a new chapter with hope and resilience.
Main Topics:
- Lisa Woolery's personal widowhood story and early relationship with her husband Eric
- The importance of honesty, shared responsibility, and mutual support in coping with loss
- Building community and leaning on neighbors and friends for strength
- The concept of a widow's comeback and her inspiring memoir and resources
- Practical tips for widows to actively participate in shaping their new lives
Timestamps:
00:00 - Introduction to Lisa Woolery and her story of widowhood and rebuilding
00:30 - The significance of sharing her mission and the platform of Widow Wisdom and Wealth
01:22 - Seven years after loss: reflections on grief and rebuilding life
02:08 - Lisa's personal story: meeting Eric at age 14 and their lifelong love story
03:40 - The impact of Eric's sudden death and moving to Kansas City
05:05 - Their journey as a family, career changes, and adopting children from Russia
06:28 - Challenges during Eric's political career and move across states
07:55 - Navigating widowhood: the loss and the subsequent life adjustments
10:06 - Key lessons from Lisa's experience: honesty, responsibility, and support
11:06 - Honest communication with her children after Eric's death
12:28 - Practical strategies for managing responsibilities and setting boundaries
13:26 - The importance of neighborhood support and community involvement
16:34 - Asking for help and building a network of support
18:11 - The impact of vulnerability and openness in healing
19:09 - Creating a support system: writing names down and delegating help
20:35 - Practical examples of community help in times of crisis
21:56 - The power of neighborly acts and community bonds
22:15 - Introducing Lisa's book, The Widow's Comeback, and her mission to inspire widows
25:16 - Resources for widows: journal, grieving calendar, and guided support
26:13 - Lisa's current work: fiction trilogy and courses for widow reinvention
27:07 - How to connect with Lisa and follow her resources
28:09 - Final advice: Be an active participant in your healing and new life
29:02 - Words of encouragement from Lisa Woolery
Resources & Links to Connect with Lisa Woolery:
- Website
- Amazon Author Page
Discover how Tiffany Rampey transformed her grief into a movement that empowers widows to travel the world responsibly and joyfully. In this episode, she shares her inspiring story of resilience, the innovative Travel More Method, and practical tips for leveraging points and miles to unlock global adventures.
Main Topics:
- Tiffany's personal journey from widowhood to reinventing her life through travel
- The development and principles of the Travel More Method
- How widows can use points and miles to travel affordably
- Overcoming mindset blocks like guilt and fear after loss
- The importance of travel for healing, education, and creating lasting memories
- Practical steps for responsible credit card use for travel rewards
- The role of flexibility and adaptability in family travel
Timestamps:
00:00 - Introduction to Tiffany Rampey and her journey from widowhood
00:29 - Tiffany's early life, career, and the impact of her husband's sudden passing
02:20 - The emotional and practical reasons behind embracing travel after loss
03:34 - How travel helped Tiffany escape grief and community judgment
04:32 - Meeting her current husband and discovering travel's potential for financial reset
05:34 - The credit card strategy that made international travel accessible
06:55 - The core of the Travel More Method: using points and miles to unlock affordable travel
07:34 - Simplifying the system: one card, minimum spend, full repayment
09:02 - How points can fund trips to Europe, luxury hotels, and more
10:02 - Overcoming mindset blocks: guilt, judgment, and permission to travel
11:45 - The empowering importance of creating joyful, experiential memories for kids
12:27 - Real-life travel lessons from international adventures and challenging situations
14:11 - The value of flexibility, resilience, and living fully through travel
15:28 - Balancing structure and spontaneity in life post-widowhood
16:09 - Tiffany's mission statement: empowering widows to find relief and build joyful lives
In this episode of "Widow Wisdom and Wealth," Dana Friedman shares insightful advice on managing real estate decisions during emotional life transitions, particularly after widowhood or divorce. Whether you're considering selling your family home, downsizing, or exploring 55+ communities, Dana's expertise offers practical guidance and emotional support.
Main Topics Covered:
- How to use the long-term capital gain exclusion within the first two years of widowhood
- Strategies for accurately determining home value amidst fluctuating markets
- Important updates and improvements that can increase your home's basis and sale value
- The role of decluttering and emotional resources during urgent moves
- Key considerations in choosing 55+ communities, including HOA fees and amenities
- Building a trusted team of professionals for a smooth transition
- Tips for recent widows/widowers on making quick decisions and processing emotional hurdles
- Dana's concierge-style service connecting clients nationwide and internationally
Timestamps:
00:00 - Introduction to Dana Friedman and her work supporting families in transition
01:01 - Capital gains exclusion rules for surviving spouses within two years of loss
01:57 - Dana's background and her focus on empathetic real estate support
03:36 - Importance of honest communication in family situations involving divorce or widowhood
05:17 - How to prepare clients emotionally and practically for home selling
06:19 - Approaching home valuation and market analysis in divorce scenarios
07:15 - Guiding clients on affordability and market value considerations
08:14 - Factors influencing home value, including market demand and renovations
09:39 - Using comparative market analysis (CMA) to reevaluate house worth
12:08 - Impact of updates and improvements on home basis and sale price
14:48 - Resources and professional help for decluttering during emotional times
16:19 - Celebrating life and downsizing with memorial events and donation options
18:24 - Decision-making exercises for stay or go in widowhood
19:52 - Processing emotional readiness for moving and emotion-driven timing
20:37 - Dana's network of trusted professionals for every step of the transition
22:22 - Understanding 55+ communities, amenities, and costs
25:44 - Final advice
Connect with Dana:
Cell: 215-901-4522
Email: Downtown2Devon@gmail.com
Facebook: https://www.facebook.com/DanaFriedman1124
Instagram: @DBF136
Linkedin: https://www.linkedin.com/in/dana-friedman-aba59849/
_______________________________
CONNECT 🤝
Facebook: / donnajeankendrick
LinkedIn: / donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10...
Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.
In this episode of Widow Wisdom and Wealth, we dive deep into resilience, life pivots, and practical strategies for navigating business and personal challenges after loss. Erika Andresen shares her inspiring journey from military service and law to becoming a business continuity expert, emphasizing the importance of planning, action, and living in alignment with your passions.
Key Topics
- The parallels between business continuity planning and handling life's disruptions
- Erika's personal story of evolving careers and overcoming hardships
- How resilience builds through proactive planning and practice
- Practical steps to increase your resilience, including estate and business succession planning
- The emotional aspects of managing relationships and assets after loss
- The importance of testing your plans regularly for preparedness
- Aligning your life and business with your purpose and passions
- Strategies for widows and widowers to support their mental health and community connections
- Erika's insights on making sense of big life changes and trusting your intuition
Timestamps
00:00 - Introduction to Erika Andresen and episode overview
02:32 - Erika's background in law, military, and disaster preparedness
04:47 - Drawing parallels between business resilience and widowhood challenges
06:40 - Erika's personal journey of career pivots and overcoming loss
08:33 - How her military and emergency management experience inform her current work
09:54 - The impact of unexpected life changes and the importance of adaptability
12:23 - Moving from military service to entrepreneurship amid personal upheaval
14:26 - Pivoting after personal loss and managing family estate issues
16:11 - Explaining risk management and probability in disaster preparedness
17:25 - Supporting aging parents with estate planning and emotional resilience
19:27 - The significance of planning, testing, and practicing for crises
21:14 - Practical advice on creating and maintaining resilient personal and business plans
22:12 - The difference between recovery and thriving after disruptions
23:22 - How to test and improve continuity plans regularly
24:46 - Building stronger relationships through shared planning and communication
26:39 - The importance of documenting plans and addressing emotional barriers
28:04 - Erika's advice on authentic career pivots and trusting your intuition
29:30 - How finances and lifestyle adjustments support reinvention
31:01 - The power of reflection and celebrating progress in resilience journeys
31:43 - Resources available through Erika's website for ongoing support
Resources & Links
Erica Andresen's Website:
- https://www.eaasc.com
Discover how mindfulness can transform your daily life, reduce stress, and help you find joy amidst chaos, especially for widows and widowers navigating grief, careers, and parenting. Harriet Stein shares practical insights, her personal story, and tools to incorporate mindfulness into busy routines.
Key topics:
- The true meaning of mindfulness: paying attention without judgment
- Practical ways to practice mindfulness in everyday activities like driving, washing hands, and walking
- How mindfulness can ease stress and grief, especially during challenging times
- The nine attitudes of mindfulness according to John Kabat-Zinn
- Harriet's journey from nursing to coaching, and writing her book, Perfect Attendance
- The importance of being present for life, not work, as highlighted in Harriet's story about her mother
- Easy resources for beginners: books, YouTube channels, and mindfulness practices
- The value of daily mindfulness practices like pause, gratitude, and sensory awareness
Timestamps:
00:00 - Introduction to mindfulness and its relevance for widows and widowers
00:29 - The definition of mindfulness: paying attention without judgment
00:59 - How to practice mindfulness in daily life: red lights, walking, and chores
02:01 - Harriet's personal journey from nurse to mindfulness coach
03:20 - Incorporating mindfulness in corporate settings: stress reduction and focus
04:05 - Simple exercises to develop mindfulness: noticing thoughts and sensations
06:20 - Lessons learned from Harriet's grief process and its duration
07:43 - Strategies for maintaining mindfulness with busy schedules and grief
08:05 - The nine attitudes of mindfulness, with an emphasis on non-striving
11:17 - Harriet's book: Perfect Attendance, Being Present for Life
13:01 - The story behind the book's title and the importance of presence over work
14:05 - Clarifying myths about mindfulness and its practical application
17:23 - Practical resources: books, online courses, and community practices
18:49 - Incorporating mindfulness into daily transitions and breaks
20:19 - The significance of sensory-grounding techniques, like hand-washing, for stress relief
21:56 - Recommended mindfulness resources: Jon Kabat-Zinn, YouTube channels, and retreats
23:38 - Harriet's website: harrietstein.com and how to connect
24:23 - Words of wisdom: you are enough, and authenticity matters
25:35 - Final encouragement to prioritize self-care through mindfulness
Connect with Harriet Stein:
- Website: harrietstein.com
More about Harriet Stein
HARRIET STEIN, RN, MS
Harriet Stein understands the unique challenges that businesses face today. An inspirational teacher and professional speaker, Harriet is passionate about speaking to organizations of all sizes about how a culture of mindfulness can reduce stress, increase performance, lower healthcare costs, and boost employee engagement.
A cookie-cutter app cannot effectively show you how to use mindfulness to combat work overload, answer your specific questions, or address your unique challenges. Harriet's mindfulness programs teach essential skills through hands-on instruction that provides practical tools for achieving a more fulfilling and productive life.
Harriet is the author of Perfect Attendance: Being Present for Life and creator of Take a Pause, the award-winning international mindfulness training program that won first place in Impact on the Organization and second place in Innovation and Creativity at Sindusfarma's Boomerang Awards, which recognize the best-in-class training and development programs in the pharmaceutical industry in Brazil.
She has extensive experience teaching mindfulness practices and strategies at Fortune 500
companies to improve corporate culture. During her tenure at Johnson & Johnson, she used her expertise and passion to directly instruct more than 5,000 worldwide employees on the practice of mindfulness through engaging programs and at leadership summits.
Mixing research and science with levity and fun, Harriet's proven strategies teach tangible ways to live in the present and be accessible, both professionally and personally. Learn how to reduce stress, increase patience, and create space in your life to accomplish what you want to achieve – more creativity, more efficiency, or just a better night's sleep! Harriet's first teacher was Dr. Jon Kabat-Zinn, founder of Mindfulness-Based Stress Reduction. She completed extensive professional training at the Myrna Brind Center for Mindfulness at Thomas Jefferson University Hospital. This advanced training, interwoven with her background as a Registered Nurse and her Master of Science degree in Health Administration, is foundational to the compassion and purpose she brings to her mindfulness programs.
_______________________________
CONNECT with Donna Jean Kendrick
Facebook: @donnajeankendrick
LinkedIn: linked.com/in/donna-kendrick
Instagram: @donnajeankendrick
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://sephtonfinancial.com/contact/
Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.
In this heartfelt episode, Dale Power shares her inspiring journey through life's transitions—from entrepreneurship to profound personal loss—and how courage can be a guiding force during pivotal moments. Discover practical steps to reimagine your purpose and embrace change with confidence.
Key Topics:
- Dale's personal story of resilience and reinvention
- The Share Your Courage three-step methodology for navigating transitions
- The importance of starting where you are and leveraging strengths
- Reimagining career paths through conversations and informational interviews
- Practicing real-life courage and aligning with your values
- Overcoming myths and societal expectations about retirement and aging
- The role of support groups and community in transition
- Recognizing growth opportunities during challenging times
Timestamps:
00:00 - Introduction to Dale Power and her mission of sharing courage
01:01 - Dale's diverse background and defining life's turning points
02:55 - The first step: Starting from where you are and identifying strengths
03:47 - How to craft a new path through storytelling and reflection
04:44 - Reimagining career and exploring opportunities in transition
06:10 - The significance of courage in everyday actions and big decisions
07:39 - The impact of advocacy, advice, and mentorship in personal growth
10:00 - How to practice courage and align actions with values
13:29 - Breaking societal myths about retirement and purpose
15:33 - Real stories of widowhood and unexpected life changes
17:14 - Long-term planning and the 'pause' for reflection in decision-making
18:43 - The importance of support networks and informational interviews
19:10 - Embracing change as an adventure and cultivating curiosity
20:36 - Practicing courage in practical situations and conversations
23:15 - Defining personal courage and taking action in daily life
25:23 - Advice for widows and widowers planning their next chapter
26:23 - Resources for reimagining life and career transitions
28:20 - The importance of patience, time, and community in growth
28:55 - Final thoughts on transforming struggles into opportunities for growth
Resources & Links:
- Share Your Courage Website
Connect with Dale Power:
_______________________________
CONNECT
🤝 Facebook: / donnajeankendrick
LinkedIn: / donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10...
Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.
In this episode, Donna Kendrick hosts Jeremy Zizmor to discuss how daily money management and financial caregiving can ease the lives of families navigating widowhood, divorce, aging parents, or other transitions. Jeremy shares insights into establishing financial organization, protecting assets, and leveraging professional teams to provide clarity during challenging times.
Key Topics:
- The role of daily money managers in supporting families through life transitions
- How to organize and streamline financial documents and insurance policies
- Importance of establishing trusted contacts and clear family communication
- Building a professional team: financial planners, estate attorneys, care managers, and accountants
- Proactive planning vs. reactionary approaches to money management crises
- Tools like the Financial Caregiving Toolkit for assessing and managing finances
- Confidentiality and trust considerations when working with families
- Tips for educating young adults on financial basics with practical tools
- How to find qualified daily money management professionals in your area
Chapters:
00:00 - Introduction and overview of Jeremy Zizmor's background and mission
02:23 - Jeremy's personal story of caring for his grandmother and founding Assurance Family Partners
04:08 - The core services of daily money management and financial caregiving
07:16 - How financial organization helps families in crisis and prevents costly oversights
09:41 - Macro and immediate planning strategies for transitional families
11:32 - Communicating with family members and safeguarding confidentiality
13:26 - Building a trusted professional team for ongoing support
15:40 - Handling family dynamics and legal considerations in financial management
17:24 - The role of care managers and the sandwich generation's unique needs
19:05 - Additional services like insurance management, household payroll, and document organization
22:33 - Common challenges and the importance of proactive planning
24:44 - Learning from reactive crises and the value of early intervention
25:23 - The Financial Caregiving Toolkit: resources for families starting their journey
27:19 - Educating young adults on finances and the benefits of self-guided or professional support
28:24 - How to find a qualified daily money manager; Jeremy's recommended resources
29:22 - Jeremy's location and contact info for Assurance Family Partners
Resources & Links
Connect with Jeremy Zizmor and discover resources:
Website: https://assurancefamilypartners.com/
Assessment for an interested person or family to continue the conversation: https://assessment.assurancefamilypartners.com/
Financial Caregiving Toolkit 6 Biggest Hurdles to Overcome when Managing a Loved One's Finances: https://6hurdles.assurancefamilypartners.com/register
Find a Daily Money Manager in your area: https://secure.aadmm.com/find-a-dmm/
This episode offers practical advice for families wishing to prevent financial crises and build resilient support systems during times of transition, emphasizing the importance of organization, trust, and proactive planning.
Citations for the aging in place percentages mentioned in this episode:
75% https://www.aarp.org/home-living/home-community-preferences-survey-2024/?utm_source=chatgpt.com
84% https://point.com/blog/aging-in-place-2025?utm_source=chatgpt.com
88% https://www.retirementliving.com/aging-in-place/aging-in-place-statistics?utm_source=chatgpt.com
87% https://medicalxpress.com/news/2025-06-poll-wide-variation-older-adults.html?utm_source=chatgpt.com
______________________________
CONNECT 🤝
Facebook: /donnajeankendrick
LinkedIn: /donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10...
Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.
In this heartfelt solo episode, Donna Jean Kendrick shares her personal story of resilience, the challenges of widowhood, and how she rebuilt her life and business from loss to abundance. If you've ever struggled with guilt, self-judgment, or balancing career and family after a major life transition, this episode offers inspiration, practical insights, and a reminder to embrace your own journey.
Key topics:
- Donna's journey from widowhood to remarriage and blended family life
- The significance of community support and local culture (Jenkins Town)
- Overcoming guilt related to financial success and appearances
- Building a business rooted in purpose and family values
- The power of mindset shifts from scarcity to abundance
- How sacrifices and faith shape financial and personal growth
- The importance of giving back and celebrating community traditions
- Handling judgments and reframing perceptions of wealth
- Practical tips for balancing career, parenting, and personal fulfillment
- The role of gratitude in transforming pain into purpose
Chapters:
00:00 - Introduction: Embracing the Guilt with Being OK
01:00 - Donna's background in finance and widowhood journey
02:29 - Blending families and community in Jenkins Town
03:55 - The story of purchasing and renovating their foreclosure home
05:22 - Sacrifices, faith, and moving beyond scarcity mindset
06:49 - How moving affected financial outlook and pivoting strategies
07:46 - Dealing with judgments about wealth and success
10:05 - The significance of community, traditions, and personal storytelling
11:44 - Hard work, giving back, and supporting families in transition
12:54 - The impact of mindset shifts on financial confidence
14:10 - Listening to her own podcast story and feelings of pride
15:52 - Overcoming external judgments and embracing authentic success
17:19 - Building a purposeful business and balancing work-life harmony
18:43 - Gratitude for her journey and community support
20:18 - The true meaning of being rich: Spirit, community, love
21:57 - Encouragement for widows and career changers to live big
22:36 - The importance of purpose over material wealth
23:38 - The ongoing journey of growth, contribution, and legacy
24:07 - Final encouragement: Turn setbacks into stepping stones
Remember, your value extends beyond material success. Embrace your journey, give yourself grace, and keep moving forward with purpose.
_______________________________
CONNECT 🤝
Facebook: / donnajeankendrick LinkedIn: / donna-kendrick Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode, we explore how childhood trauma and emotional health directly impact entrepreneurs' business performance. Nicole Lewis Keeber, a business therapist and mindset coach, shares insights on harnessing therapeutic tools to overcome subconscious barriers, leading to sustainable success. Whether you're growing a startup or feeling stuck at a ceiling, this conversation offers actionable strategies to align your emotional health with your business goals.
Key topics:
- How childhood trauma influences entrepreneurial mindset and business outcomes
- Recognizing and addressing patterns of overworking, burnout, and self-sabotage
- The impact of trauma on nervous system regulation and capacity building
- Practical steps to heal trauma through therapeutic approaches and leadership
- Why investing in trauma-informed coaching benefits your business and family
- The significance of core values and family mission statements for balanced leadership
- How to differentiate between mindset challenges and trauma responses
- The role of self-leadership and nervous system capacity in scaling
- Resources for trauma-conscious business practices and emotional sustainability
Timestamps:
00:00 - Introduction: Healing trauma to unlock business growth 02:06 - Nicole's background as a therapist and transition to business coaching 03:16 - Childhood trauma's influence on money mindset and entrepreneurship 04:39 - How trauma responses show up in business patterns 06:11 - Recognizing the signs of trauma affecting business performance 07:02 - The importance of working with trauma-informed coaches 08:11 - Dreading Monday mornings: uncovering underlying trauma patterns 09:32 - Adaptations learned in childhood as over-functioning or overworking behaviors 10:31 - Managing nervous system capacity to prevent burnout 11:55 - Building capacity for change without sabotage 12:44 - Investing in trauma-informed support as a family and business decision 13:23 - How trauma shows up in business relationships and client interactions 14:38 - Integrating emotional health into business strategy for sustainability 15:45 - Impact of personal healing on family and business balance 17:10 - Identifying the founder's emotional attachment to their business 18:21 - How leadership reflects on the nervous system of the business 19:05 - Various ways to work with Nicole: one-on-one and group programs 20:37 - Personal example: blending family leadership with business growth 21:07 - Values as guiding principles for navigating business and family life 22:24 - Creating family mission statements and aligning values 22:49 - Connecting with Nicole: website, social media, and book
Resources & Links:
- How to Love Your Business by Nicole Lewis Keeber
- Nicole's Website
- LinkedIn: Nicole Lewis Keeber
- Trauma-Conscious Business Programs
Connect with Nicole:
- LinkedIn - Nicole Lewis Keeber
- TikTok - The Business Therapist
- Website - nicole.lewis-keeber.com
- Book on Amazon - How to Love Your Business
_______________________________
CONNECT 🤝
Facebook: / donnajeankendrick LinkedIn: / donna-kendrick Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this heartfelt conversation, Claire Bodle shares her journey of grief after the sudden loss of her husband, exploring the complexities of parenting through loss, the importance of community support, and the healing power of writing. Claire reflects on her children's unique grieving processes, the lessons learned over the years, and how she has transformed her life in the wake of tragedy. Her story emphasizes resilience, the significance of open communication about grief, and the empowerment that comes from taking control of one's life and finances.
Key Takeaways
Claire lost her husband unexpectedly after a long battle with cancer.
She emphasizes the importance of open communication about illness with children.
Each child grieves differently, and it's essential to respect their individual processes.
Community support played a crucial role in their healing journey.
Claire wrote a book to process her grief and help others.
Time does not heal all wounds but lessens their intensity.
It's important to let children see their parents grieve.
Claire learned to manage finances after her husband's passing.
She encourages others to take control of their financial knowledge.
Grief can lead to personal growth and transformation.
00:00 Navigating Grief: Claire's Journey
08:25 The Impact of Loss on Family Dynamics
12:48 Community Support in Times of Grief
18:34 Writing as Healing: Claire's Book
27:05 Lessons Learned: Time and Grief
_______________________________
CONNECT 🤝
Facebook: / donnajeankendrick LinkedIn: / donna-kendrick Instagram: / donnajeankendrick
_______________________________
CONTACT ☎ Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice
In this episode of Widow Wisdom and Wealth, host Donna speaks with Tina Fornwald, founder of Widowhood Real Talk with Tina. They discuss Tina's personal journey through grief after losing her husband, the importance of community and family support, and the challenges of parenting as a sole parent. Tina shares her insights on self-care, planning for the future, and her writing journey, including her upcoming book. The conversation emphasizes the need for connection and resources for those navigating widowhood.
Takeaways
Tina's mission is to facilitate healing from grief.
Grief can be isolating, and community support is vital.
Self-care is essential during the grieving process.
Planning for the future can alleviate some burdens of grief.
Tina's family plays a significant role in her healing journey.
Sole parenting after loss presents unique challenges.
Saying no is a powerful tool for managing time and energy.
Writing has been a therapeutic outlet for Tina.
Connection through shared experiences is crucial for healing.
Tina's resources aim to support widows and widowers in their journey.
Chapters
00:00 Introduction to Widowhood Real Talk
02:21 Tina's Personal Journey Through Grief
06:29 The Role of Family in Healing
10:10 Navigating Parenthood After Loss
12:50 The Importance of Self-Care
18:17 Planning for the Future
20:14 The Writing Journey and New Projects
29:58 Resources and Community Support
_______________________________
CONNECT 🤝 Facebook: / donnajeankendrick LinkedIn: / donna-kendrick Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this conversation, Pam Baker shares her journey through grief after losing her husband to glioblastoma. She discusses the importance of community and support for widows, highlighting her initiative, Widows Who Wine, which provides a safe space for women to connect and heal. Pam emphasizes the significance of financial planning and preparation for the future, especially in the context of loss, and shares insights from her new book, 'Where's the Key to the Safe.' The discussion touches on the challenges of navigating grief, the importance of open conversations about finances, and the joy of building a supportive community.
Takeaways
Pam Baker is a passionate advocate for healing after loss.
Widows Who Wine provides a safe space for women to connect.
Grief can be isolating, and community support is essential.
Financial planning is crucial, especially during life transitions.
Pam's journey emphasizes the importance of having difficult conversations.
The pandemic provided unexpected quality time for families.
Pam's book aims to help families avoid probate pitfalls.
Creating community can lead to empowerment and joy.
It's important to find joy and connection after loss.
Pam's experiences with grief have shaped her mission to support others.
Chapters
00:00 Introduction to Pam Baker and Her Journey
08:05 Navigating Grief and Loss
14:50 The Business of Death and Financial Planning
22:32 Creating Community: Widows Who Wine
38:58 Final Thoughts and Insights
Connect with Pam Baker
Facebook: https://www.facebook.com/pam.r.baker.5
LinkedIn: https://www.linkedin.com/in/pambaker1818/
Instagram: https://www.instagram.com/bakereed/
Website: https://www.widowswhowine.com
Website: https://lastinglegacyconsulting.com
_______________________________
CONNECT 🤝 Facebook:
https://www.facebook.com/donnajeankendrick LinkedIn: https://www.linkedin.com/in/donna-kendrick/ Instagram: https://www.instagram.com/donnajeankendrick
_______________________________
CONTACT
☎ Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05 Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this solo episode of 'Widow Wisdom and Wealth,' host Donna Jean Kendrick shares her reflections on 13 years of widowhood, focusing on the importance of setting boundaries.
Donna discusses the challenges she faced, from managing a career and raising children to blending families after remarriage. She shares personal anecdotes, such as the aftermath of her foot surgery, to illustrate the critical role of communication and planning in maintaining healthy boundaries. Donna emphasizes that setting boundaries is not negative but rather essential for preserving mental space, strength, and the ability to serve others effectively.
She encourages fellow widows and widowers to prioritize their needs and advocate for themselves while navigating life's complexities.
00:00 Introduction to Widow Wisdom and Wealth 00:56 Navigating Life as a Widow 02:55 The Importance of Boundaries 03:41 A Personal Story on Boundaries 08:33 Lessons Learned and Practical Tips 14:10 Final Thoughts on Self-Care and Boundaries
_______________________________ CONNECT 🤝 Facebook: https://www.facebook.com/donnajeankendrick LinkedIn: https://www.linkedin.com/in/donna-kendrick/ Instagram: https://www.instagram.com/donnajeankendrick
_______________________________ CONTACT ☎ Website: https://sephtonfinancial.com/ Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05 Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
Smart Dating Divas Embracing Love and Life Transitions with Donna Meador In this episode of Widow Wisdom and Wealth™, host Donna interviews Donna Meador, who shares her incredible story of finding love later in life, navigating relationships with adult children, enduring financial hardships, and rebuilding her life after loss. Donna discusses the loss of her first husband, her journey to find new love, creating a blended family, and starting Smart Dating Divas. She highlights the importance of self-love, financial planning, and effective communication with loved ones. The episode offers valuable insights for widows considering dating and provides practical advice on handling financial and emotional challenges.
00:00 Introduction to Donna Meador
00:20 Donna's Journey: Love, Loss, and New Beginnings
02:52 Donna's Current Life and Family
04:40 Navigating Widowhood and Dating Again
05:49 Donna's Dating Philosophy and Book
10:24 Meeting Jeff: A New Love Story
12:47 Challenges and Insights on Dating as a Widow
18:22 Support and Guidance for Widows
21:05 Financial Struggles as a Widow
22:22 Navigating Social Security Benefits
24:22 Finding Love Again and Financial Planning
26:50 The Importance of Life Insurance
28:20 Financial Education and Support
32:07 Communicating with Adult Children
43:03 Final Thoughts and Resources
Connect with Donna Meador:
Website: https://smartdatingdivas.com/
Donna Meadow's Free ABC Dating Secrets: https://smartdatingdivas.com/abc?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGnP-C7LmxDvQecwICsyXNzyfxnfy6KY5d3vJD7aN_vnSE8XKVCXJQmXTLWCws_aem_LM5VmfAfJSIJr_BnQqPYuQ
Want to be our next guest? Click here: https://widowwisdomwealth.com/be-our-guest/
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this edition of 'Widow Wisdom and Wealth™,' host Donna Kendrick and her husband Jim Gehan share an impromptu conversation about self-care, sleep, and community support after the loss of a spouse. They discuss the importance of creating a new normal, taking personal time, and addressing the guilt often felt by widows and widowers when they focus on their own needs. The episode highlights their personal experiences and offers practical advice for those navigating career challenges and parenthood after losing a partner.
00:00 Introduction to Widow Wisdom and Wealth
00:42 Impromptu Podcast Setup
01:37 Jim's Mecu Auto Auction Experience
02:07 Donna's Writer's Retreat in Sedona
03:01 Encouraging Self-Care and Personal Time
04:18 Balancing Career, Kids, and Self-Care
09:51 Challenges of Early Widowhood
13:10 Discussing Fast Food Preferences
13:49 Taking Care of Yourself
14:03 The Importance of Rest and Sleep
15:08 Adjusting to a New Normal
16:42 Seeking Support and Self-Care
18:25 Finding Personal Time and Hobbies
20:57 Final Thoughts and Encouragement
22:42 Closing Remarks and Contact Information
_______________________________
CONNECT WITH DONNA 🤝
Facebook: / donnajeankendrick
LinkedIn: / donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT DONNA ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources:https://sephtonfinancial.com/resources/_______________________________
Donna Jean Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of 'Widow Wisdom and Wealth™,' host Donna Jean Kendrick welcomes career coach Shelly Malley, recently recognized as one of the top coaches in Philadelphia by Influence Digest in 2023. Shelly shares her extensive experience in HR and career coaching, offering insights into job search strategies, personal branding, and navigating career transitions, particularly for those dealing with loss and balancing family life. Shelly discusses her personal journey, including career pivots, the challenges of motherhood, and the impact of losing her mother at a young age. She also provides practical advice for those considering a career change and highlights the importance of knowing oneself and marketing transferable skills.
00:00 Introduction to Widow Wisdom and Wealth
01:43 Meet Shelly Malley: Career Coach Extraordinaire
02:52 Shelly's Career Journey: From HR to Career Coaching
07:52 Balancing Career and Family: Shelly's Personal Story
10:02 Shelly's Childhood and Family Dynamics
19:39 Career Transitions and Coaching Insights
24:39 Top Tips for Career Change
25:45 Connecting with Shelly Malley
Thanks to our guest Shelley Maley
Connect with Shelley
linkedin.com/in/shelleymaleycareercoach
https://www.dreamcatchercareercoaching.com
https://www.facebook.com/dreamcatchercareercoachingllc
https://www.instagram.com/dreamcatchercareer
_______________________________
CONNECT WITH DONNA 🤝
Facebook: / donnajeankendrick
LinkedIn: / donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT DONNA ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources:https://sephtonfinancial.com/resources/_______________________________
Donna Jean Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of the 'Widow Wisdom and Wealth' podcast, host Donna Jean Kendrick chats with Kathy Lentz, owner of Kindred Soul, a company specializing in life celebrations. Kathy shares her journey to becoming a certified life celebrant and discusses the importance of pre-planning one's funeral to lighten the emotional burden on loved ones. They delve into various aspects of planning, including the personal touches that make a celebration of life memorable. They also discuss the value of openly communicating end-of-life wishes with loved ones. Kathy offers insights into her role, working with funeral homes to create meaningful, personalized services, and hints at her plans to expand her services to include event planning for funerals. The episode aims to motivate listeners, particularly widows, widowers, and divorcees, to consider planning their own funerals to ensure their personalities and wishes are honored.
00:00 Introduction to Today's Podcast
00:10 Meet Kathy Lentz: Owner of Kindred Soul
00:41 Motivation for Listeners: Planning Your Own Funeral
01:37 Welcome to Widow Wisdom and Wealth Podcast
01:52 The Importance of Planning Your Own Funeral
03:08 Kathy Lentz's Background and Experience
04:54 The Role of a Life Celebrant
07:12 Kathy's Journey into the Funeral Industry
11:12 The Value of Pre-Planning Funerals
16:34 Helping Families Through the Grieving Process
20:09 Future Plans and Services
22:27 Encouragement for Career Changers and Entrepreneurs
22:49 Kathy's Journey: From Hospital System to New Beginnings
23:43 A Touching Tribute: Red Nose Day Funeral
26:00 Personal Stories: Unexpected Funeral Moments
29:17 Planning Ahead: Making Funeral Arrangements
31:24 Final Thoughts: Wisdom and Reflections
Thanks to our guest Kathy Lentz
Connect with Kathy
Cell - 484-767-2356
www.kathyklentz@gmail.com
www.info.kindredsol@gmail.com
_______________________________
CONNECT WITH DONNA 🤝
Facebook: / donnajeankendrick
LinkedIn: / donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT DONNA ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/_______________________________
Donna Jean Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of the Widow Wisdom and Wealth Podcast, host Donna welcomes Isabelle Von Buscher, a woman of remarkable resilience and determination. Isabelle shares her inspiring journey of navigating career changes and raising a son after becoming a widow during pregnancy.
From her role as a VP in the corporate world in Europe to working for a nonprofit and building a holistic health and coaching business in Haiti and the Dominican Republic, Isabelle recounts her life's transformations.
She discusses the challenges of widowhood, single motherhood, and career shifts while imparting wisdom on personal development and professional reinvention. Isabelle’s story emphasizes the importance of acknowledging one's current state, seeking professional support, and striving to realize one’s dreams despite life’s adversities. This episode offers invaluable insights and encouragement for those facing similar life transitions.
00:00 Introduction to an Inspiring Journey
00:37 Meet Isabelle: A Story of Resilience
02:03 Life in the Dominican Republic
03:09 The Sudden Shift to Widowhood
03:44 Finding Clarity and Strength
09:29 Navigating Career and Personal Growth
14:47 Embracing Change and New Beginnings
23:06 Balancing Family and Career
29:31 Advice for Widows and Career Shifts
31:04 Conclusion and Contact Information
Thanke to our guest Isabelle von Boetticher Fouchard, personal energy management & leadership development catalyst.
Connect with Isabelle
https://www.cayae.net
isabelle@cayae.net
https://www.instagram.com/isacayae/
BOOK YOUR FREE EXPLORATION CALL WITH ME ISABELLE CALENDLY
https://calendly.com/isacayae/30min
YOUR FREE GIFT FROM ISABELLE
7-minute-Energize Meditation
https://cayae.org
_______________________________
CONNECT 🤝
Facebook: / donnajeankendrick
LinkedIn: / donna-kendrick
Instagram: / donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10... Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 8200 Flourtown Ave Suite 1B in Wyndmoor, Pennsylvania, 19038. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of Widow Wisdom and Wealth, Donna interviews Marie Alessi, who shares her journey into widowhood and how she has navigated the complexities of raising two boys while dealing with profound loss.
Marie discusses her mission, her books, and her TED Talk, emphasizing her unique approach to leading through grief with joy. Marie recounts pivotal moments, including a crucial conversation with her late husband, the emotional struggles following his sudden death, and the support that helped her find a new purpose.
Now a bestselling author, keynote speaker, and grief coach, Marie offers inspiration on embracing joy in the face of grief. The episode highlights Marie's upcoming speaking engagement at the Sydney Opera House and provides insights into her movement, Loving Life After Loss.
00:00 Introduction to Marie Alessi
01:13 Marie Alessi's Background and Personal Loss
03:17 The Pivotal Conversation and Its Impact
06:15 Practical Steps and Challenges Post-Loss
10:25 Marie Alessi's Career and Mission
11:28 The Early Days of Grief
19:08 Turning Grief into Empowerment
23:52 Creating a Movement: Loving Life After Loss
27:47 Conclusion and Future Endeavors
Connect with Marie:
https://www.linkedin.com/in/marie-alessi
https://www.facebook.com/MarieAlessiPublicFigure
https://www.mariealessi.com/
Connect with Donna: 🤝
Facebook: https://www.facebook.com/donnajeankendrick
LinkedIn: https://www.linkedin.com/in/donna-kendrick/
Instagram: https://www.instagram.com/donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05
Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 8200 Flourtown Ave Suite 1B in Wyndmoor, Pennsylvania, 19038. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of Widow Wisdom and Wealth, hosts Donna Hendrick and Jim Han discuss parenting after the loss of a spouse. They share their personal journeys—Donna's experience after losing her husband and Jim's experience after his ex-wife's passing. The episode covers how their core parenting skills evolved, the impact of grief timelines on their children's lives, and the balance between sensitivity and enabling behavior. Donna and Jim emphasize the importance of intuition, community support, and honest communication with children. The episode offers insights and anecdotes on handling grief within the family and how to navigate tough situations while being kind to oneself.
00:00 Introduction to Parenting After Loss
01:04 Donna's Journey: Sudden Loss and Immediate Decisions
02:55 Jim's Experience: Preparing for the Inevitable
04:20 Balancing Grief and Parenting: Different Approaches
07:59 Navigating Children's Reactions and Excuses
11:11 Support Systems and Community Resources
12:53 Conclusion and Call for Listener Feedback
CONNECT 🤝
Facebook: https://www.facebook.com/donnajeankendrick
LinkedIn: https://www.linkedin.com/in/donna-kendrick/
Instagram: https://www.instagram.com/donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05
Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 8200 Flourtown Ave Suite 1B in Wyndmoor, Pennsylvania, 19038. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of 'Widow Wisdom and Wealth,' host Donna Kendrick and her husband Jim discuss the complexities of managing a career and parenting during life transitions, particularly in the aftermath of loss. They explore their personal experiences of giving up careers to focus on family, the challenges of solo parenting, and the importance of maintaining consistency while adapting to new circumstances. The conversation covers the evolution of their parenting styles, dealing with grief, and the significance of taking things one step at a time. Tune in for a candid and insightful discussion on resilience, adaptation, and love.
00:00 Introduction to Today's Podcast
01:04 Meet Your Hosts: Donna and Jim
01:26 Parenting Before and After Loss
04:43 Jim's Perspective on Parenting
07:07 Blending Families Successfully
12:00 Advice for Grieving Parents
14:45 Closing Thoughts and Future Topics
CONNECT 🤝
Facebook: https://www.facebook.com/donnajeankendrick
LinkedIn: https://www.linkedin.com/in/donna-kendrick/
Instagram: https://www.instagram.com/donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05
Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 8200 Flourtown Ave Suite 1B in Wyndmoor, Pennsylvania, 19038. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of Widow Wisdom and Wealth, meet Carolyn Dennis Johnson, a resilient entrepreneur who shares her journey from being a single parent to successfully starting her own business at 65.
Carolyn discusses how she navigated financial independence after her divorce, leaned on her community for support, and continuously pursued education and career changes. She offers valuable advice on staying open to opportunities, the importance of networking, and the potential benefits of temp work.
Discover her inspiring story and gain insights on managing career transitions and financial challenges as a sole parent. Connect with Carolyn towards the end of the episode for more personal guidance.
00:00 Introduction to Carolyn Dennis Johnson
01:21 Carolyn's Early Life and Career
02:43 Marriage and Early Challenges
05:24 Struggles and Relocations
07:39 Single Parenthood and Career Shifts
10:46 Financial Independence and New Beginnings
13:40 Pursuing Education and Career Goals
21:10 Navigating Higher Education and Career Transitions
22:57 Overcoming Job Loss and Embracing New Opportunities
24:43 Balancing Personal Life and Community Involvement
27:07 Building Self-Confidence and Reinventing Yourself
30:34 Pursuing Entrepreneurship and Finding Flexibility
35:08 Advice for Sole Parents and Career Seekers
37:12 Connecting on LinkedIn and Final Thoughts
In this episode of Widow Wisdom and Wealth, Donna Kendrick and her husband Jim reflect on the challenges of navigating parenthood and career after the loss of a spouse. They discuss managing grief, children's emotions, and the nuances of whether certain behaviors are grief-appropriate or age-appropriate.
The conversation also delves into their personal experiences: Jim stepping back from his career to raise his kids and help start Donna's financial practice, and Donna rebuilding her career after her late husband’s death. The episode offers insights into balancing immediate needs with long-term planning, the importance of slowing down after a significant loss, and leaning on a supportive community and professional team.
00:00 Introduction to Widow Wisdom and Wealth
00:48 Meet Donna and Jim
01:24 Navigating Career Sacrifices
03:58 Financial Challenges and Strategies
08:05 The Importance of Support Systems
14:06 Dealing with Bureaucratic Hurdles
17:42 Final Thoughts and Advice
Interested in being a guest?
Submit a request to join us and share your story:
https://widowwisdomwealth.com/be-our-guest/
Get additional financial information:
https://sephtonfinancial.com/
https://www.donnajeankendrick.com/
Check out the video version of the podcast:
https://www.youtube.com/@sephtonfinancial
Decisions of the Heart: Helen Bernie on Managing Finances, Family, and Blending Lives | Widow Wisdom and Wealth
In this episode of the Widow Wisdom and Wealth podcast, host Donna Dean Kendrick interviews Helen Bernie, a divorcee, small business owner, and health coach. Helen shares her journey of managing her business through a divorce, blending families, and navigating finances in a new relationship while raising four kids.
Listen to Helen talk about the importance of proportional income splits and decision-making in relationships, and learn how she expanded her career amidst personal changes and the COVID-19 pandemic. Helen's story is a valuable lesson in balancing personal and professional life and moving forward positively after a significant life change.
00:00 Introduction to Today's Episode 01:18 Meet Helen Bernie: A Journey Through Divorce and Business 02:27 Helen's First Marriage and Career Transition 08:13 Navigating Divorce and New Beginnings 14:46 Blending Families and Managing Finances 17:03 Rewinding the Story 17:29 Deciding to Move 17:58 Children's Reactions 18:40 Financial Dynamics 19:39 80/20 Split Challenges 20:46 Emotional and Financial Struggles 22:37 Decision-Making in Relationships 25:34 Transparency and Vulnerability 28:08 Future Plans and Reflections 30:21 Business and Health Coaching
Connect with our guest Helen! Here are her social media links:
https://www.facebook.com/helen.birney.2025
https://www.linkedin.com/in/helen-birney-cultivatehealth
https://www.instagram.com/cultivatehealth_with_helen
https://www.cultivatehealthcoaching.com
_______________________________
CONNECT 🤝
Facebook: https://www.facebook.com/donnajeankendrick
LinkedIn: https://www.linkedin.com/in/donna-kendrick/
Instagram: https://www.instagram.com/donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05
Downloadables and Resources: https://sephtonfinancial.com/resources/
_______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 8200 Flourtown Ave Suite 1B in Wyndmoor, Pennsylvania, 19038. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In this episode of Widow Wisdom and Wealth, we dive deep into balancing career and parenthood after experiencing loss. Donna introduces business professional Audrey Faust, a CFO with unique methods that blend financial expertise and personal development.
Audrey shares invaluable insights on entrepreneurship, from the importance of separating personal and business finances to strategies for scaling a business. Alongside discussing key financial strategies, Audrey highlights the role of money mindset and manifesting success, revealing how she integrates these concepts into her coaching.
The episode is packed with practical advice and empowering stories for sole parents, aspiring entrepreneurs, and those navigating major life transitions.
00:00 Introduction to Widow Wisdom and Wealth Podcast 00:39 Meet Audrey Faust: CFO with a Unique Approach 01:15 Balancing Career and Parenthood After Loss 02:37 Financial Tips for New Entrepreneurs 03:41 Understanding Business Finances 06:40 The Importance of Keeping Business and Personal Finances Separate 13:13 Scaling Your Business: A Case Study 19:26 The Power of Money Mindset and Manifestation 28:53 Personal Stories and Practical Tips 32:36 Exciting Announcements and Future Plans
More about our guest Audrey!
Audrey Faust is a CFO, financial strategist, and the creator of Profitable Business Academy, where she helps women entrepreneurs master their financials, pricing, and business strategy to build sustainable, scalable, and profitable companies—without burning out.
Links: Website: www.audreyfaustconsulting.com
LinkedIn: https://www.linkedin.com/in/audreyfaust/
Instagram: https://www.instagram.com/businessfinancialliteracy/
Youtube: https://www.youtube.com/channel/UCfY8RjyfArU1m14acmR3-Lw
Buy 'She Grows Rich' Book: https://a.co/d/32IXRAl
Join the Profitable Business Academy: https://www.audreyfaustconsulting.com/profitable-business-academy
_______________________________
CONNECT 🤝
Facebook: https://www.facebook.com/donnajeankendrick
LinkedIn: https://www.linkedin.com/in/donna-kendrick/
Instagram: https://www.instagram.com/donnajeankendrick
_______________________________
CONTACT ☎
Website: https://sephtonfinancial.com/
Phone: (215) 948-3945
Complimentary Consultation/Contact Us: https://calendly.com/donnakendrick/10-minute-phone-call?month=2024-05
Downloadables and Resources: https://sephtonfinancial.com/resources/ _______________________________
Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 8200 Flourtown Ave Suite 1B in Wyndmoor, Pennsylvania, 19038. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.
In the last episode you met Jim, my co-host and husband. Now, Jim is sharing his unique experience of navigating the emotions and responsibilities after his ex-wife, who he had a child with, passed away.
There is no “title” for this unique situation in life. A widower… but without the title.
We discusses the complexities Jim faced as an ex-husband and a remarried man losing the mother of his 3 children and the implications for our family. How the three older kids helped their younger step siblings through a path they had walked years prior.
This episode aims to shed light on the varied forms of widowhood and the importance of supporting those dealing with such loss.
This is the NEW Widow, Wisdom & Wealth™ podcast for widows and widowers balancing career, family, and loss. Hear and learn from those thriving in career and parenthood after loss. Through heartfelt stories and practical advice, this podcast offers hope and guidance from those who have walked this path before you.
If your financial life feels unclear or uncertain, then listen to the episodes of this show to gain confidence and clarity.
Interested in being a guest?
Submit a request to join us and share your story:
https://widowwisdomwealth.com/be-our-guest/
Get additional financial information:
https://sephtonfinancial.com/
https://www.donnajeankendrick.com/
Check out the video version of the podcast:
https://www.youtube.com/@sephtonfinancial
In this episode of Widow Wisdom and Wealth, I, Donna, will introduce my co-host and husband, Jim. We’ll discuss Jim's experience as a widower, his divorce, and the recent passing of his first wife and we’ll also explore our own unique journey, including how we met and how we have balanced careers and family life.
This is the NEW Widow, Wisdom & Wealth™ podcast for widows and widowers balancing career, family, and loss. Hear and learn from those thriving in career and parenthood after loss. Through heartfelt stories and practical advice, this podcast offers hope and guidance from those who have walked this path before you.
If your financial life feels unclear or uncertain, then listen to the episodes of this show to gain confidence and clarity.
Interested in being a guest?
Submit a request to join us and share your story:
https://widowwisdomwealth.com/be-our-guest/
Get additional financial information:
https://sephtonfinancial.com/
https://www.donnajeankendrick.com/
Check out the video version of the podcast:
https://www.youtube.com/@sephtonfinancial
Feeling overwhelmed with your finances or just want to get and be organized for you and your loved ones? Here we have 5 simple steps for you to get your financial house in order. These are the steps that helped me get my life in order after the loss of my first husband when I entered widowhood. I feel it's important to share becuse it is truly the foundation the set me on my journey.
If you'd like to join the 6-week email challenge and have each step delivered to your inbox each week to help you get your financial house in order, then sign up here: https://www.donnajeankendrick.com/challenge-financial-house-in-order
This is the NEW Widow, Wisdom & Wealth™ podcast for widows and widowers balancing career, family, and loss. Hear and learn from those thriving in career and parenthood after loss. Through heartfelt stories and practical advice, this podcast offers hope and guidance from those who have walked this path before you.
If your financial life feels unclear or uncertain, then listen to the episodes of this show to gain confidence and clarity. Interested in being a guest? Submit a request to join us and share your story: https://widowwisdomwealth.com/be-our-guest/
On this episode, I am my first guest. Me, Donna Kendrick, and how I went from widowhood to business owner to blended family - I'm sharing my story to help others thrive in carrer and parenthood after loss.
This is the NEW Widow, Wisdom & Wealth™ podcast for widows and widowers balancing career, family, and loss. Hear and learn from those thriving in career and parenthood after loss. Through heartfelt stories and practical advice, this podcast offers hope and guidance from those who have walked this path before you.
If your financial life feels unclear or uncertain, then listen to the episodes of this show to gain confidence and clarity.
Interested in being a guest? Submit a request to join us and share your story: widowwisdomwealth.com
Welcome to the NEW Widow, Wisdom & Wealth™! The podcast for widows and widowers balancing career, family, and loss. Hear and learn from those thriving in career and parenthood after loss.
What does it mean to rebuild a life that feels whole after loss? Rebuilding after loss is not about forgetting—it’s about finding new strength, purpose, and balance for yourself and your family. Through heartfelt stories and practical advice, this podcast offers hope and guidance from those who have walked this path before you. If your financial life feels unclear or uncertain, then listen to the episodes of this show to gain confidence and clarity.
Interested in being a guest? Submit a request to join us and share your story: https://widowwisdomwealth.com/be-our-guest/
As the year comes to a close, many of us are making resolutions moving into 2025. So why not focus on our money mindset as well?
Whether you’re overwhelmed by debt, stuck in a savings rut, or simply stressed about money, this episode is packed with actionable strategies to help you think differently and achieve financial comfort. We'll address common negative thoughts about money, and Donna will share ways to reframe those limiting beliefs.
Tune in and let’s transform our money mindset in 2025!
Here are the points we discuss in today’s show:
0:00 – Intro
2:33 – Donna’s tips for changing your mindset
3:47 – “Debt is ruining my life”
4:46 – “I don’t earn enough to save or invest”
8:03 – “Taxes are so complicated and eat up my income”
10:28 – “I’m terrible with money because I made bad choices”
14:19 – “Investing is too risky and complicated”
17:08 – “I’m too late to start saving for retirement”
Resources for this episode:
Donna’s book, A Guide to Widowhood + other resources
https://www.donnajeankendrick.com/a-guide-for-widowhood
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
It’s hard to believe the holiday season is here! While you’re stuffing stockings for your loved ones, don’t forget to stuff your own financial stocking with tips that can bring you closer to a secure retirement. Today, we’re unwrapping 10 bite-sized, actionable ideas to help you save smarter, invest better, and plan for the future you deserve.
Here are the points we discuss in today’s show:
0:00 – Intro
1:40 – Maxing out your retirement contributions
3:39 – Diversifying your investments
5:42 – Reviewing your Social Security strategy
6:24 – Consolidating old retirement accounts
7:59 – Revisiting your estate plan
9:07 – Boosting your emergency fund
10:30 – Scheduling a financial checkup
11:23 – Considering Roth conversions
13:39 – Automating bill payments and savings contributions
15:08 – Reviewing your insurance coverage gaps or overlap
Resources for this episode:
Donna’s book, A Guide to Widowhood + other resources
https://www.donnajeankendrick.com/a-guide-for-widowhood
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Navigating the transition of divorce can be challenging, especially when it occurs right before or during retirement. That’s why this week on Wisdom and Wealth, we’re going to share 3 immediate steps you’ll want to take during this pivotal time: first, understanding your flow of income; second, evaluating your net worth; and third, updating your beneficiary designations.
In moments like divorce, having the right team by your side can make all the difference. Tune in for valuable tips on seeing the big picture, avoiding costly mistakes, and navigating these life-changing decisions with confidence.
Here are the points we discuss in today’s show:
0:00 – Intro
2:10 – Figuring out your flow of income
5:31 – Understanding your net worth
8:24 – A beneficiary review
10:50 –Social Security benefits + Final takeaways
Resources for this episode:
Donna’s book, A Guide to Widowhood + other resources
https://www.donnajeankendrick.com/a-guide-for-widowhood
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Are you making decisions about your money with a clear mind? Or are you financially ‘impaired?’ December is National Impaired Driving Prevention Month, so with that right around the corner, we’re exploring the surprising parallels between dangerous driving habits and risky financial choices.
Here are the points we discuss in today’s show:
0:00 – Intro
3:16 – Clouded judgment in financial decisions
5:01 – Losing sight of long-term goals
9:50 – The danger of an inconsistent approach
11:49 – The importance of a roadmap
Resources for this episode:
Donna’s Books
https://www.donnajeankendrick.com/books
Donna’s Website
https://sephtonfinancial.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
In the recent celebration of Halloween, we’re bringing you some real-life cautionary tales in today’s episode. Donna and Jim will share a few spine-chilling financial horror stories that could happen to anyone without proper planning.
As you listen, take a moment to consider your own financial situation. Have you updated your estate and beneficiary documents? Are both you and your partner plugged into your financial picture? Let’s discuss how to be ready for any twists and turns so your financial future doesn’t turn into a scary story.
Here are the points we discuss in today’s show:
0:00 – Intro
1:14 – Financial horror stories
3:48 – The importance of beneficiary designations
5:30 – Construction work horror stories
7:11 – How unexpected expenses impact retirement plans
10:38 – Preparing for the unexpected as a couple
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Are you curious about what retirees wish they had done differently? A random, retired YouTuber did a simple video exploring the top 5 regrets of other retirees he interviewed (all in their 70s). It blew up to almost half a million views (and counting). Let’s see what regrets made the list and, more importantly, explore what proactive steps you can take to avoid having the same regrets when you retire.
Here are the points we discuss in today’s show:
0:00 – Intro
1:24 – Not retiring earlier
2:55 – Not spending enough
6:16 – Health care neglect
9:52 – Not taking up a hobby
14:10 – Not traveling more
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. Today, we’re digging into the 'How Do You Knows' of retirement planning.
Here are the points we discuss in today’s show:
0:00 – Intro
1:52 – Income in retirement
5:34 – Money in savings account
7:42 – Risks in finance
10:06 – Nest egg longevity
12:50 – Tax efficiency in retirement planning
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
In the second part of this two-part series, we continue to explore the important role that children and grandchildren play in shaping financial and retirement plans. If you missed our previous discussion, be sure to give it a listen! This week, we’ll explore more common financial planning scenarios and offer practical advice to help families handle their finances with ease and confidence.
Here are the points we discuss in today’s show:
0:00 – Intro
1:56 – Life insurance policies and annuities
6:46 – Cultivating financial literacy
10:18 – Finances in blended families
13:00 – Family members with special needs
14:35 – Parents lending money to kids
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Kids and grandkids play a crucial role in shaping financial plans. In this two-part episode, we'll dive into the most common scenarios where future generations influence retirement planning. Whether you’re a parent with adult children still on the payroll or a grandparent wanting to help out with college education costs, we’ll explore how to balance your retirement goals with the needs of your family.
Here are the points we discuss in today’s show:
0:00 – Intro
1:58 – Adult children still on the payroll
5:00 – Parents who had kids later in life
7:54 – Grandparents who want to help with education
9:46 – Planning for aging parents
14:09 – Intentional legacy planning
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
We’re all guilty of telling ourselves lies from time to time. But are you telling yourself financial lies? In this episode, Donna and Jim dive into some common financial lies that could be holding you back.
Here are the points we discuss in today’s show:
0:00 – Intro
0:50 – The YOLO mentality
3:51 – Catching up after falling behind
5:48 – Cutting back on expenses
9:00 – Getting on the same page
14:15 – Tackling finances alone
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Paying for college has become increasingly challenging due to rising costs, particularly for blended families. But no matter your situation, early planning for your child's or grandchild's education can make a big difference and reduce the need for excessive borrowing later on. In this episode, we’ll cover the key aspects of college financial planning from various perspectives.
Here are the points we discuss in today’s show:
0:00 – Intro
1:20 – Where do you start?
7:01 – Cutting down on college expenses
8:17 – Best saving vehicles for college
13:30 – Tax implications when gifting college funds
15:30 – The blended family factor
19:16 – Retirement considerations
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Insurance- it may not be the most exciting subject, but it plays a super important role in financial planning. Listen in as Donna, Jim, and Marc discuss the value of having a safety net, especially in a blended family, where both partners bring in assets and responsibilities from previous relationships. If you haven't given much thought to your insurance policies lately, this episode will give you some great items to consider and talk about with your advisor.
Here are the points we discuss in today’s show:
0:00 – Intro
0:42 – Donna and Jim’s experience with life insurance
7:55 – Different reasons for insurance
12:57 – Insurance for blended families
Beneficiary Designations Episode
https://sephtonfinancial.com/2023/11/easy-wins-in-personal-finance-part-2/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Talking about finances in a dating relationship can be daunting, but it’s an important part of building a strong, transparent, and trusting partnership. So, when is the right time to discuss money matters with your partner? Should you discuss your financial status early on or wait until the relationship is more serious?
Donna and Jim are here to share tips from their personal experiences and a financial planning perspective.
Here are the points we discuss in today’s show:
0:00 – Intro
2:33 – Donna and Jim’s personal experience
6:24 – When and how to start talking about finances
13:10 – Icebreakers, conversation starters, and observations
18:26 – When to involve a financial professional
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Choosing a financial advisor can feel daunting, especially when you're not sure what to look for or what questions to ask. In today’s episode, we’re going to cover some of the critical mistakes people make when they’re on the hunt for the perfect match. Listen in as Donna shares her personal experiences as a widow searching for a financial advisor and offers valuable insights for anyone in a similar situation!
Here are the points we discuss in today’s show:
0:00 – Intro
2:31 – Personal referrals and advisor specializations
7:00 – Asking how an advisor gets paid
11:11 – Communication style and succession plans
12:52 – Is bigger always better?
15:47 – Ethics and fiduciary responsibility
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial - YouTube
Donna and her husband, Jim, have both navigated the path of stay-at-home parenting and are no strangers to what it looks like to manage finances during family transitions. We’re excited to officially welcome Jim onto the podcast for the first time in today’s episode. Together, Donna and Jim will share their unique perspectives on the emotional and financial implications of stepping away from the workforce to be stay-at-home caregivers.
One of the episode's key takeaways is the importance of communication within relationships, particularly concerning finances. Open and honest conversations between partners are crucial whether it's discussing retirement savings or the day-to-day budgeting for a blended family. Donna and Jim's story is a testament to the fact that with the right approach and guidance, it's possible to find balance and build a solid financial foundation, even in the face of life's transitions.
Here are the points we discuss in today’s show:
0:00 – Intro
2:09 – Donna and Jim’s experiences as stay-at-home parents
5:54 – Financial awareness and communication between partners
8:41 – Jim’s time as a caregiver
14:08 – Seeking professional advice and building financial literacy
17:46 – The life-changing advice Donna took from Jim
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial Channel - YouTube
Just like an annual checkup is important for maintaining good health, performing regular financial checkups is an essential part of planning for a healthy and successful retirement. In today’s episode, Donna gives us a glimpse at what financial wellness checkups look like at Sephton Financial.
Here are the points we discuss in today’s show:
0:00 – Intro
1:02 – Reviewing your goals
3:04 – Checking your “vitals”
5:40 – Building financial immunity
7:18 – Screening your portfolio
9:13 – Debt diagnosis
11:41 – Preventative measures
Get additional financial information: https://sephtonfinancial.com/podcasts/
Check out the video version of the podcast: Sephton Financial Channel - YouTube
As much as any other threat, recognizing and avoiding scams has become an essential skill, particularly for retirees. Join us as we explore crucial steps you can take to safeguard your financial well-being against the growing tide of scams and identity theft. Learn from real-life stories and gain practical advice to keep your finances secure in this digital era, all from the perspective of a seasoned financial professional.
Here’s what we share in today’s show:
- Some real-life examples of financial scams + surprising statistics
- Phishing, vishing, and smishing scamming techniques
- Some ways to spot some of these scams and protect your personal information
- What should you do if you fall victim to a scam?
CNBC Article
https://www.cnbc.com/2023/10/08/how-one-retired-woman-lost-her-life-savings-in-a-common-elder-fraud-scheme.html
Thomson Reuters Article
https://www.thomsonreuters.com/en-us/posts/investigation-fraud-and-risk/senior-citizens-financial-scams/
Get additional financial information: https://sephtonfinancial.com/podcasts/
As International Women’s Day approaches (March 8), it’s the perfect time to reflect on the progress women have achieved in the financial realm over the past century. Despite this, the path to retirement is not without its unique challenges for women, and it’s important to recognize the financial hurdles that they continue to face. From career interruptions to the impact of higher debt burdens, this is why retirement planning is different for women.
Here are the points we discuss in today’s show:
- Career interruptions that women often face and how this impacts retirement savings
- Women’s longer life expectancy + the impact of divorce on women’s finances
- The higher debt statistics for women
- A lack of education when it comes to personal finance + women’s confidence when it comes to finances
- The importance of both parties being involved in financial planning
Resources for this episode:
https://pubmed.ncbi.nlm.nih.gov/23331196/
https://www.troweprice.com/content/dam/iinvestor/resources/insights/pdfs/closing-the-gender-retirement-savings-gap.pdf
https://www.prnewswire.com/news-releases/bmo-survey-finds-american-women-significantly-less-confident-in-retiring-compared-to-men-301764524.html
Get additional financial information: https://sephtonfinancial.com/podcasts/
This episode might be a bit counterintuitive. We’re going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor?
Here’s some of what we discuss in this episode:
- Ignoring account statements can be beneficial in avoiding overreactions to market fluctuations, but it's important to periodically check them to stay informed about your financial situation and unexpected changes
- Finding a balance between financial discipline and enjoying life's moments
- Being patient in entering the stock market can help avoid irrational decisions, but waiting too long may lead to missed opportunities
- Having too much in cash reserves may result in missed opportunities for growth and life experiences
- Overcoming procrastination when it comes to financial and estate planning
- Some of Donna’s goals for the business in 2024
Get additional financial information: https://sephtonfinancial.com/podcasts/
Have you ever wondered what questions to ask your financial advisor, or why those questions are crucial? In today’s episode, we’re tackling exactly that. We're discussing the vital questions that bring transparency and depth to your financial advisory relationship.
Here are some of the questions we talk about in today’s show:
- “How do you get paid?”
- “What does your typical client look like?”
- “What is your investment philosophy?”
- “Do you have a particular strength or specialty?”
- “Do you provide educational resources?”
- "Will I be working with you, someone on your team, or both?"
Get additional financial information: https://sephtonfinancial.com/podcasts/
We’re back to wrap up our discussion on easy personal finance wins. While crafting a comprehensive financial plan is crucial, sometimes making minor adjustments in your portfolio can yield significant benefits. Listen in as we share some more powerful strategies to help get your financial house in order.
Here’s some of what we discuss in this episode:
- Analyzing the tax efficiency of your investments
- Regularly reviewing and updating beneficiary designations
- Rebalancing your investment portfolio
- Accurately assessing and funding your emergency fund by tracking your spending patterns
- The benefits of automating your savings
Get additional financial information: https://sephtonfinancial.com/podcasts/
It’s important to eventually get a comprehensive financial plan for yourself, but sometimes even just a few minor adjustments in your portfolio can make a big difference. Let’s discuss a few easy places to start…
Here’s some of what we discuss in this episode:
- Establishing the right amount of yield cash as a financial safety net
- Cleaning up some old life insurance policies
- Consolidating retirement accounts when changing jobs to maintain control and stay organized
- Reconsidering managed accounts to ensure that they are actively managed and offer value for the fees paid
- Reviewing the fees and expense ratios of your mutual funds
Get additional financial information: https://sephtonfinancial.com/podcasts/
Welcome back to Widow, Wisdom & Wealth! In this episode, we tackle the common complaints that arise during the financial planning process. Whether you feel like your advisor is taking too much risk, your account isn’t growing the way you’d like, or you don’t understand your financial plan, we'll discuss which concerns are well-founded, which are based on misconceptions, and offer insight on how retirees can best navigate their financial future.
Here’s some of what we discuss in this episode:
- If you feel like your advisor is taking too much risk, it’s important to assess your risk tolerance and align your investment portfolio accordingly
- Your account's performance may not match the market's performance. It's essential to consider your unique circumstances, investment goals, and risk tolerance when evaluating returns
- Understanding the various fees associated with your investments and financial planning
- Effective communication with your financial advisor is key. They should be able to explain complex concepts in a way that makes sense to you
- Recognizing the difference between financial planning and asset management
Get additional financial information: https://sephtonfinancial.com/podcasts/
Are you over 55 and pondering retirement? Dive into the world of Required Minimum Distributions (RMDs) with us. RMDs are a way for the government to collect taxes on your tax-deferred savings, such as traditional IRAs and 401(k)s. In this episode, Donna and Marc break down the basics of RMDs and explain how they are calculated based on your age and account balance.
Listen in as we share strategies to potentially avoid them and understand the risks of not preparing in advance. And for those fortunate to not rely on RMDs for income, we'll explore impactful ways to utilize those funds.
Here’s some of what we discuss in this episode:
- What are RMDs and why do they exist?
- The recent changes in RMD rules, which has moved the RMD age to 73 + potential future changes
- Using RMDs for charitable giving + legacy planning options with RMDs
- How Roth conversions can help control tax brackets and provide tax-free growth
Get additional financial information: https://sephtonfinancial.com/podcasts/
Losing a spouse is an unimaginably tough life event, but the financial implications can add another layer of stress to the grieving process. In this episode, we delve deep into the most common financial issues faced by widows and widowers, from dealing with income gaps to navigating tax changes as a single filer.
This is a topic that’s close to Donna, having lost her husband in 2013 and facing many of the challenges we’re talking about in this episode. So we’ll explore actionable strategies to address these issues, such as the importance of life insurance and the ins and outs of spousal pension continuation. We hope this episode helps out anyone who is concerned with ensuring the financial well-being of their remaining family members and safeguarding your financial future and legacy in the face of loss.
Here are some key takeaways from this episode:
- Donna shares her personal experience dealing with the loss of her husband and the financial challenges that she immediately faced in the aftermath.
- The changes in tax filing that surprises many widows and what you need to be prepared.
- Some of the financial planning strategies you can use to prepare yourself for this emotional situation.
- What are some of the things you need to be thinking about to help take care of your kids and grandkids.
- What Donna thinks about having a trust and why you need to work with an estate planning attorney about the options.
If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.
Get additional financial information: https://sephtonfinancial.com/podcasts/
In this episode, we’re back to discuss the complex and often emotionally charged process of changing financial advisors. We'll share the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one. In part one, we focused on making sure that your financial advisor aligns with your needs and goals. In this episode, we talk through what the transition to a new advisor looks like.
Here are some key takeaways from this episode:
- When switching advisors, inform your current advisor about your decision and discuss the logistics of transferring your accounts. Be prepared for some paperwork and potential closing fees.
- When searching for a new financial advisor, ask about their credentials, qualifications, and specialization. Consider their investment philosophy, approach to portfolio management, and how they communicate with clients.
- After making the switch, be patient and give your new advisor at least a year to assess the performance and effectiveness of their services. Communication is key, so don't hesitate to ask questions or seek clarification if needed!
Get additional financial information: https://sephtonfinancial.com/podcasts/
In this episode, we delve into the complex and often emotionally charged process of changing financial advisors. We'll discuss the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one. Join us as we demystify the transition process and equip you with the knowledge you need to make informed decisions about who is best suited to guide your financial future!
Here are some key takeaways from this episode:
- Many people form strong emotional connections with their financial advisors. However, it's important to balance this emotional connection with your current financial needs and goals.
- Before deciding to change advisors, identify your financial needs and goals. Create an avatar of your ideal advisor by listing the services and qualities you want to help assess whether your current advisor aligns with those requirements.
- Ask questions that matter to you. Inquire about your advisor’s use of technology, specialization, willingness to work with other professionals, and more. Make sure their answers align with your needs.
- Trust your instincts and feelings. If something doesn't feel right or you're not fully satisfied with the advice or services you're receiving, consider seeking a new advisor who better meets your expectations.
- Remember that finding the right financial advisor is a two-way street. Advisors also assess whether you're a good fit for their practice and approach.
Get additional financial information: https://sephtonfinancial.com/podcasts/
Welcome back to part two of our discussion on resolving financial tension between couples. In this episode, we'll explore five more common areas of financial tensions: emergency fund size, charitable contributions, handling inheritances, insurance needs, and financial management style. Stay tuned to learn how advisors like Donna work to resolve conflicts in these areas as they arise.
Here’s some of what we’ll discuss in this episode:
- Agreeing on the right amount to have in an emergency fund. (3:06)
- Being on the same page about charitable contributions. (7:02)
- Deciding what to do with an inheritance. (10:25)
- Having protection planning conversations about insurance and long-term care. (13:49)
- How do you want to handle financial management in retirement? (16:36)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Money can't buy love, but it can certainly start some spicy debates between you and your better half. In this episode, we're digging into the financial face-offs that make Monopoly fights look like child's play and exploring some money minefields that can test even the most solid relationships. Listen in as we explore how to resolve some of the most common financial sources of tension between couples.
Here’s some of what we’ll discuss in this episode:
- What level of risk should you take in your portfolio? (2:38)
- Deciding on the best age to retire as a couple. (5:24)
- Are you on the same page about paying for your children’s college education + legacy planning? (8:45)
- Should you downsize or not downsize? (11:08)
- Agreeing on your retirement lifestyle. (13:28)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect the reasons why someone should NOT invest in a 401(k).
Here’s some of what we’ll discuss in this episode:
- If your employer does not offer matching contributions, there are many other vehicles that have guarantees. (2:46)
- Thinking about future tax increases. (6:41)
- Finding the balance between saving for long-term goals and paying off debt. (9:03)
- Keep it, roll it, or control it: three options for a 401(k) if you leave a company. (12:45)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Celebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets required for these battles!
Here’s some of what we’ll discuss in this episode:
- Are you saving enough to afford your own long-term care and using Social Security well? (1:34)
- Not having to rely on your kids later in life. (4:22)
- Entering retirement with no debt. (7:29)
- Having the choice to work in retirement instead of being forced to work. (9:12)
- Independence from the stock market. (11:09)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Picture this: You're at your retirement party, finally ready to enjoy your golden years, but worries caused by some bad money habits have robbed you of fully enjoying the sweetness of the day. It happens to more people than you think, which is unfortunate because with just a little bit of modification, you can rid some of the worst money habits from your life and set yourself up for retirement success. Tune in to this episode and develop healthy financial habits that pave the way for a secure future!
Here’s some of what we’ll discuss in this episode:
- It’s important to be aware of your account statements. (2:29)
- Being addicted to the rising stock market. (5:48)
- The impact of procrastinating financial decisions. (7:38)
- Living beyond your means and mismanaging debt can be detrimental. (12:12)
- The danger of funding non-emergencies from your emergency fund. (14:58)
- The benefits of working with a financial professional. (17:50)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Today, we're diving into a topic that affects everyone, regardless of age or financial status: how age and wisdom impact financial planning. No matter where you are in life, your financial goals and priorities will change over time, and it's important to have a plan that reflects your unique needs. In this episode, we'll explore the ways in which age and wisdom impact financial planning strategies and provide practical tips and insights to help you make informed decisions about your finances.
Here’s some of what we’ll discuss in this episode:
- How our views change as we age. (1:48)
- Why age matters in financial planning. (3:48)
- How life experiences affect financial planning. (7:56)
Get additional financial information: https://sephtonfinancial.com/podcasts/
We are excited to have Kyle Tevlin, the founder, and creator of I Want a Fun Funeral, join us today. Kyle was inspired to create this unique funeral planning service after attending several funerals that left her feeling underwhelmed and disheartened. She noticed that many of these events felt somber and lacked the personal touch that she believed would better honor the lives of those being remembered. This inspired her to launch her business, a service that helps people plan personalized and creative funerals for themselves.
In this episode, Kyle shares her insights on new funeral trends, effective strategies for communicating your final wishes to your family, and the advantages of planning a funeral that is meaningful to who you are. Join us as we explore new ways to think about end-of-life planning.
Here’s some of what we’ll discuss in this episode:
- Kyle shares her journey to creating fun funerals. (1:13)
- Funerals can look any way you want. (5:48)
- The biggest advantages to planning a fun funeral. (14:49)
- What financial success means to Kyle. (25:38)
Episode Resources:
I Want a Fun Funeral: https://www.iwantafunfuneral.com/
Green Burial Council: https://www.greenburialcouncil.org/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Are you aware that not all retirement accounts are created equal? In this episode, we'll delve into the different types of retirement accounts, including 401(k)s, IRAs, Roths, and more. We’ll help you weigh the pros and cons of each and give you insights into the purposes they serve so that you can make informed decisions for your retirement plan.
Here’s some of what we’ll discuss in this episode:
- Pros and cons of 401(k)s, 403(b)s, and 457 plans. (1:36)
- Pros and cons of traditional and Roth IRAs. (4:29)
- Pros and cons of HSAs and FSAs. (9:46)
- What to keep in mind with Annuities, CDs, and Dividend Stocks (11:55)
- How do you choose the option for your plan? (15:15)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Do you ever feel like your retirement planning goals are always moving? You're not alone. We’ve found that people often move the goalposts in their own retirement planning and most of the time to their detriment. In this episode, we're diving deep into the psychology of retirement planning and the dangers of moving the goalposts.
Here’s some of what we’ll discuss in this episode:
- The risk of waiting for a certain number in the bank before implementing your investment strategy. (2:15)
- How the “I’m going to get serious about saving next year” attitude often leads to missed opportunities. (5:44)
- The danger of pushing off reducing your risk. (7:41)
- Having a plan before picking a retirement date. (11:50)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Welcome to part two of our discussion about personality types and how your financial advisor should work with you. Last time we covered four different personality types, and we’ll be continuing that theme today with the remainder of our financial personalities.
Most people fit into one of 8 personality categories. Find out which one best describes you and what that means when it comes to financial planning.
Here’s some of what we’ll discuss in this episode:
- Are you a silo stocker? (2:03)
- Are you an odd couple when it comes to finances? (6:28)
- Are you a gambler? (9:59)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Are you tired of one-size-fits-all financial advice that doesn't quite fit your unique needs and goals?
In this episode, we'll tackle the question of whether an advisor should tailor a plan to fit your personality. We'll discuss the pros and cons of different approaches and explore how understanding your financial personality can help you make more informed decisions.
Here’s some of what we’ll discuss in this episode:
- The financial personality is scarred from something that’s happened to them in their financial journey. (1:55)
- How we work with people that over-analyze to the point of being unable to make a decision? (5:55)
- The do-it-yourselfer does a good job but are they able to understand every piece of the financial puzzle? (9:31)
- The person that buries their head in the sand to avoid having to learn everything about their portfolio. (15:00)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete.
On this episode, we'll be pointing out the most common areas people overlook when planning and provide actionable tips to ensure that your plan is as comprehensive as possible.
Here’s some of what we’ll discuss in this episode:
- Donna addresses the danger posed by a market downturn early on in your retirement. (2:17)
- Most Americans don’t realize they have a tremendous opportunity to save money on taxes as they approach retirement. And if you factor in that taxes might go up in the future it highlights why this is often one of the biggest missing pieces in the average retirement plan. (7:42)
- Another overlooked area of planning is when people underestimate the likelihood they’ll have a long-term care need when they get older. (11:00)
- Donna underscores why it’s important to have a living and breathing financial plan and not one that you just set and forget. (15:10)
Listen to the full episode to also learn about inflation, the dangers of rising medical costs, the challenges presented by RMDs, how to handle unexpected job losses and more…
If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.
Get additional financial information: https://sephtonfinancial.com/podcasts/
In this episode, we’ll discuss five of the most common financial fears that come up in our conversations with retirees and pre-retirees. When you have one of these fears, what can you do to address them? Donna will tell you what approach we take with clients and how proper planning can alleviate much of the worry.
Here’s some of what we’ll discuss in this episode:
- How we help someone address the fear of running out of money. (2:05)
- The life events that could deplete your nest egg in retirement. (4:11)
- Focusing on being more efficient with taxes so you don’t have to pay more than you need to. (7:04)
- What does a legacy mean to you and have you planned for it? (10:30)
- Having to alter the lifestyle and reduce the quality of life you hope for in retirement. (14:44)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Today’s guest is Mark Davis. Mark is an estate lawyer with the law office, Connor Elder Law in Lafayette Hill. He has over 20 years of experience in the field of aging and disability services as a legal and public policy advocate.
In this episode, we will discuss important aspects of estate planning. Mark shares his wisdom with us, from how to choose a lawyer to navigating establishing a will.
On this episode, we’ll share:
- Listen here to learn about the power of attorney. (13:32)
- What is the timeline for a widow getting her will redone after her spouse passes? (21:58)
- Learn about finding a good estate lawyer. (28:06)
If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.
Learn about our guest:
https://connorelderlaw.com/
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Sometimes it might seem like talking to your financial advisor feels like talking to a therapist, and that’s ok. Let’s discuss some scenarios where it’s almost inevitable that a talk with your advisor seems like a counseling session.
On this episode, we’ll share:
- Discussing career difficulties with your advisor. (5:27)
- Does money stress you out? (7:30)
- Sometimes you just need a sounding board, and that’s okay. (10:00)
If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
You need to make smart decisions during major life events, and we are here to help guide you. Whether it's a job change or divorce, we recommend taking three months to work everything out.
Most people like to think that they always make decisions based on logic and facts, but the truth is that emotions usually play a role for all of us in the decision-making process. We’ll explain how to handle big changes the right way.
On this episode, we’ll share:
- How to handle a job change. (3:09)
- How to handle divorce. (5:48)
- How to handle an inheritance. (8:54)
If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Getting through retirement can be a lot like running a marathon. From planning and preparation to a proper diet, a lot of these skills work in both worlds. With marathons, you don’t want to start to fast and tire yourself out before the finish.
The same can be said for spending your retirement money. Today we’ll share some of the similarities of getting to the finish line in racing and retirement.
On this episode, we’ll share:
- You might think you don’t need planning and preparation, but you’re wrong. (2:36)
- Your diet is essential for running and retirement planning. (5:27)
- Don’t start a race or your retirement too fast. (9:06)
If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Just like the lights on your dashboard can indicate if something is wrong with your car (like low tire pressure or leaking oil), there are indicators in your financial life that might point out that you have a problem that needs to be addressed.
You might have watched your parents retire in their early 60s and think that’s how it should still be for everyone. Have you considered that you’ll likely live much longer than them, you probably don’t have the pension that they had, and the costs for your healthcare during your retirement years will dwarf their costs? Don’t feel entitled to retirement at a certain age unless you have a plan in place that shows you why and how it’s possible.
Here is what you will learn in this episode:
- Do you really know how much it costs to fund your lifestyle? (1:37)
- Are you focusing more on a specific net worth instead of generating an income in retirement? (7:03)
- How has the way your parents’ handled retirement affected you? (8:46)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Just like the lights on your dashboard can indicate if something is wrong with your car (like low tire pressure or leaking oil), there are indicators in your financial life that might point out that you have a problem that needs to be addressed.
You might have watched your parents retire in their early 60s and think that’s how it should still be for everyone. Have you considered that you’ll likely live much longer than them, you probably don’t have the pension that they had, and the costs for your healthcare during your retirement years will dwarf their costs? Don’t feel entitled to retirement at a certain age unless you have a plan in place that shows you why and how it’s possible.
Here is what you will learn in this episode:
- Do you really know how much it costs to fund your lifestyle? (1:37)
- Are you focusing more on a specific net worth instead of generating an income in retirement? (7:03)
- How has the way your parents’ handled retirement affected you? (8:46)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Emotions play a big part in investing. They often dictate where you put your money, when you move your money, and whether or not you ask for help. Today we will be touching on some of the more common emotions investors may experience as they plan for retirement.
Market volatility has been stirring up a lot of less-than-pleasant feelings among investors, especially those that have been enjoying the last decade of a favorable market. We will give you some tools to help you navigate those feelings, so you stay confident in your plan for the future.
Here is what you will learn in this episode:
- The markets have been favorable for so long, that volatility can be stressful for newer investors. (3:21)
- How should you navigate fear through market volatility? (5:19)
- Hope is important, but you also need to strategize. (7:08)
- How pride can get in the way of long-term financial planning. (9:23)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Emotions play a big part in investing. They often dictate where you put your money, when you move your money, and whether or not you ask for help. Today we will be touching on some of the more common emotions investors may experience as they plan for retirement.
Market volatility has been stirring up a lot of less-than-pleasant feelings among investors, especially those that have been enjoying the last decade of a favorable market. We will give you some tools to help you navigate those feelings, so you stay confident in your plan for the future.
Here is what you will learn in this episode:
- The markets have been favorable for so long, that volatility can be stressful for newer investors. (3:21)
- How should you navigate fear through market volatility? (5:19)
- Hope is important, but you also need to strategize. (7:08)
- How pride can get in the way of long-term financial planning. (9:23)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. In this episode, we’ll explain why these decisions are so important and can’t be undone.
Here’s some of what you’ll learn in this episode:
- What happens if you take social security early, then change your mind? (2:05)
- Why making the right decisions with your pension plan is vital. (4:58)
- Can you change your mind about life insurance? Yes, but you’ll want to keep these situations in mind. (7:16)
- What to consider when choosing your retirement date. (11:04)
Get additional financial information: https://sephtonfinancial.com/podcasts/
There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. In this episode, we’ll explain why these decisions are so important and can’t be undone.
Here’s some of what you’ll learn in this episode:
- What happens if you take social security early, then change your mind? (2:05)
- Why making the right decisions with your pension plan is vital. (4:58)
- Can you change your mind about life insurance? Yes, but you’ll want to keep these situations in mind. (7:16)
- What to consider when choosing your retirement date. (11:04)
Get additional financial information: https://sephtonfinancial.com/podcasts/
Want to know the secrets to experiencing satisfaction in retirement? We’ve discovered five key situations to which your financial plan needs to lead you. If you can key in on these five points, you’ll have a high chance to achieve retirement satisfaction.
Here’s some of what you’ll learn in this episode:
- How bucket planning can help you continue to have growth while having access to funds. (2:15)
- Ways to build confidence in your retirement plan. (4:36)
- The three non-negotiable goals you should have. (7:26)
- How to plan for independence in retirement. (9:37)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Want to know the secrets to experiencing satisfaction in retirement? We’ve discovered five key situations to which your financial plan needs to lead you. If you can key in on these five points, you’ll have a high chance to achieve retirement satisfaction.
Here’s some of what you’ll learn in this episode:
- How bucket planning can help you continue to have growth while having access to funds. (2:15)
- Ways to build confidence in your retirement plan. (4:36)
- The three non-negotiable goals you should have. (7:26)
- How to plan for independence in retirement. (9:37)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Going through a divorce at any age is difficult but doing it near or in retirement adds all sorts of additional complications. On part two of this conversation, we’ll talk about some of the financial mistakes we see people make in the midst of a divorce when it comes to other assets besides the house.
Here’s some of what you’ll learn on this episode:
- The asset(s) you choose might have significant tax implications that you need to factor into the decision. (3:31)
- What is a QDRO and what does it mean for retirement savings accounts? (5:42)
- Why we always recommend clients look at their beneficiaries on retirement accounts during this process. (9:02)
- How to take cash from a settlement and make them retirement funds. (10:55)
- The first steps any person thinking about divorce should be taking to prepare their assets. (12:50)
Check out part one: https://sephtonfinancial.com/2022/08/ep-23-retirement-divorce-how-do-you-handle-your-home-part-1/
Get additional financial information: https://sephtonfinancial.com/podcasts/
Going through a divorce at any age is difficult but doing it near or in retirement adds all sorts of additional complications. On this episode, we’ll talk about some of the financial mistakes we see people make in the midst of a divorce.
Divorcee are often in a more complicated financial situation than many of the widows and widowers we work with. The reason being widows and widowers had their portfolio in front of them and everything was set while divorce makes planning and decision making difficult because so much is unsettled.
In this part one of our conversation, we’ll focus on how the house gets handled,
Here’s some of what you’ll learn on this episode:
- Choosing the house over other financial assets isn’t necessarily the best outcome. (3:12)
- How the mortgage gets settled during the divorce process. (8:25)
- The two factors you have to consider – the affordability of the home and the emotional connection to the home. (10:29)
- How the kids factor into this decision and what considerations need to be made. (14:59)
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
Visit us online: https://sephtonfinancial.com/
In some ways, retirement planning was easier for past generations. From the loss of pensions to changes in the market retirement planning just isn’t what it used to be. Planning has even changed throughout the past five years. So, what do we need to prepare for that our parents and grandparents didn't?
We are living longer than ever before and therefore our plans need to support longevity. You have to self-fund for much longer now. Let’s explore how a good financial advisor helps people overcome the additional challenges of today.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
1:22 – Is retirement planning different?
3:42 – We are living longer
7:44 – Interest rates are historically low
9:42 – Access to information
12:34 – Is market volatility more pronounced?
16:13 – The value of having a professional
Get additional financial information: https://sephtonfinancial.com/podcasts/
With current market volatility, you may be thinking of working with an advisor if you’ve been DIYing your retirement up until this point. However, with so many options and information out there what should you look for in an advisor?
If an advisor seems to work with a lot of clients, you definitely want to make sure they have time to customize and work with you personally. Does your advisor only tell you the good things and ignore the reality of the situation? On today’s episode, we’ll explore a few red flags to consider when looking to work with a new financial professional.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
2:30 – Working with all clients
6:43 – Everything is going to be okay
9:16 – Too much jargon
11:51 – Too complicated
15:42 – They don’t listen enough
Get additional financial information: https://sephtonfinancial.com/podcasts/
Having an advisor that effectively communicates to you is essential in understanding your financial plan and the strategy they are helping you build. There are so many ways to communicate these days: in person, through phones, social media, podcasts, etc. Which do you prefer?
During the pandemic, 41% of advisors, including Donna, increased communication with their clients through zoom and technology. We were all at home, talking with one another on the phone or zoom was how we connected! Donna wants her clients to feel completely comfortable and educated, where clients can connect with her on a regular basis. On today’s episode, we’ll explore the idea of communication and the important role it plays in your retirement plan.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
0:57 – How are you doing?
1:29 – 41% increased communication
4:21 – How did Donna sustain that communication?
5:09 – Contacting clients at least once a week
6:46 – Do you want to hear from your advisor often?
7:44 – What are the different ways to communicate?
9:04 – What challenges did Donna face with communication?
11:31 – Are more people coming back in person?
13:39 – What is Donna’s communication philosophy?
15:16 – Newsletters, workshops, podcasts, etc.
Get additional financial information: https://sephtonfinancial.com/podcasts/
So, what is the secret to a successful retirement? Oftentimes, it’s learning to get out of your own way! When the market is volatile, we may be fearful and pull out of investments. On the other hand, sometimes we get too greedy and invest more than we should into a certain product.
If you’re only making financial decisions based on a tax bill, you are probably leaving yourself open to some blind spots. Don’t get into something simply for a tax advantage, make sure it fits into your whole portfolio. On today’s episode, we’ll explore a few different ways you can get out of your own way in order to have a successful retirement.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
2:06 – Fear and greed
3:39 – The client’s blind spot
4:22 – Just using taxes
5:53 – Paying versus deferring
7:03 – Too much cash
9:34 – Doing nothing
11:31 – Trusting non-professionals
Get additional financial information: https://sephtonfinancial.com/podcasts/
We all know the basics of being healthy: eating well, working out, refraining from processed foods, etc. On today’s episode, we thought it would be fun to compare some common diet tips to retirement planning to help you fix some of those unhealthy financial habits.
Empty calories are in a lot of different foods, in our finances we can find these in auto-generated plans that aren't customized to your needs. There is a lot of hidden added sugar out there too and this can relate back to those hidden fees in your portfolio. Join us today as we break down various tips for improving your financial health!
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
1:03 – The retirement diet!
2:47 – Empty calories
7:17 – Added sugar
9:55 – Not all fees are bad
11:37 – Trans fats
15:31 – Calories and inflation
Get additional financial information: https://sephtonfinancial.com/podcasts/
Trying to keep up with news today feels like a 24-hour job. As if the year hasn’t been unpredictable enough, now we have Elon Musk buying Twitter.
With everything happening, it’s not surprising that markets have reacted by moving up and down even more than usual. If you’ve paid attention to any financial news or information, there are likely a few terms and phrases that you’ve been hearing more than others.
On this episode, we’re going to discuss these investment terms and help you understand what they mean and why they’re important. From volatility to inflation to recessions, we’ll cover all of the financial news that’s top of mind for many people today.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
1:35 – Crazy markets recently
2:21 – Bear vs Bull Market
4:02 – Volatility
6:09 – Asset allocation
8:00 – Diversification
9:21 – Inflation
11:14 – Recession
15:32 – Fiduciary
18:04 – Suitability
Get additional financial information: https://sephtonfinancial.com/podcasts/
Life insurance can be intimidating for a lot of reasons but it has changed a lot over the years. On today’s episode, we are going to explore some important reasons you may want to consider life insurance and what factors you should consider when making this important decision.
If you have a family, you really need to consider income replacement. Donna herself, was able to raise her family and send them to college because of life insurance after she unexpectedly became a widow. If you are closer to retirement if you were to pass, how would that impact your spouse's plan? Join us today as we explore 7 important things you should think about if you are considering life insurance.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
1:16 – Income replacement
6:06 – Estate liquidity
7:07 – Locking in premiums
8:35 – Transferring family wealth
9:23 – Succession in business
10:25 – Tax-free income
12:41 – The right professionals and tools
14:17 – Long term care coverage
Get additional financial information: https://sephtonfinancial.com/podcasts/
In retirement planning, there are some big birthdays you need to keep in mind. When you turn 50, the government allows you to put additional catch-up contributions into your retirement accounts. This is a great way to save more if you feel the need to. A lot of people are unaware that when you turn 55 you can take withdrawals from your 401(k) without penalty, although they are still taxed and you’ll want to follow the rules carefully. By 62, you can take Social Security, but will this be the best decision for your plan? On today’s episode, we’ll explore these ages and which important ones are crucial to your retirement plan.
Check out Donna’s new book coming out soon: https://www.widow-wisdom.com/
What we discuss today:
1:03 – Donna’s new book is coming out!
2:37 – Do you enjoy birthdays?
3:34 – 50 and catch-up contributions
5:47 – 55 and early withdrawals
7:02 – 59 ½ eligible to withdrawal
8:29 – 62 and Social Security
10:15 – 65 and Medicare
11:33 – 66 or 67 is full retirement age
12:38 – 70 the latest you can take Social Security
13:38 – 72 and required minimum distributions
16:27 – Prepare for tomorrow!
Get additional financial information: https://sephtonfinancial.com/podcasts/
The financial industry is full of jargon and designations that can be confusing to navigate. Do you know the difference between an IAR and an RIA? What is a CFP or a Series 66?
Donna herself is an IAR financial professional, meaning she can help clients with solutions that may be a better fit for widows or widowers. She’s also a CFP, a certified financial planner, and a fiduciary. On today’s episode, we’ll discuss these designations, terms, and definitions and what they mean for your financial planning journey.
What we discuss today:
1:46 – IAR versus RIA
4:06 – What is a CFP?
6:01 – Series 65 or 66
7:53 – A fiduciary
8:56 – College degrees
10:50 – Changing hats
11:52 – Education and ethics
Get additional financial information: https://sephtonfinancial.com/podcasts/
How can guessing at retirement planning go wrong? On today’s show, we’ll discuss some of the major areas in retirement planning you don’t want to guess at. Do you know how much income you’ll need on a monthly basis? Guessing can leave you without enough money to cover your expenses in the future.
Do you know what major purchases you will need in retirement? A lot of people combine this with their emergency fund. However, if you are planning out these purchases you can save separately, keeping your emergency fund intact in case you really need it. You can guess at some things in life, but when it comes to your financial future it’s best to sit down with a professional and plan it out.
What we discuss today:
2:12 – Monthly income
4:55 – Major purchases
8:39 – Impact of inflation
10:51 – Healthcare costs
Get additional financial information: https://sephtonfinancial.com/podcasts/
What are the most important parts of your retirement plan? It’s great to make fun decisions regarding what you want to do in retirement, but are you also planning for how much time in retirement you’ll have? We don’t want you to outlive your money. The best time to start saving is now.
It’s great to know how much you want to spend in retirement; however, you need to know where that money is going to come from. Without an income plan, you don’t really have a retirement plan. On today’s episode, we’ll discuss some areas experts claim to be the most important part of retirement planning and whether Donna agrees.
What we discuss today:
1:11 – Happy Valentine’s Day!
3:43 – Deciding what you want to do
5:00 – Start saving for retirement now
6:47 – How much income do you need?
7:45 – How much would you like to spend?
8:36 – Proper portfolio allocation
10:59 – Making your retirement fulfilling
12:12 – Picking the right planner and advisor
13:09 – What is the most important piece to you?
Get additional financial information: https://sephtonfinancial.com/podcasts/
A lot of people have been DIYing their financial plan, especially during the past decade when the market has been relatively good. But that won’t always be the case and having an advisor can help you navigate market downturns and prevent you from making emotional financial decisions.
So, who needs an advisor? Well, most of us. Maybe you are too much of a procrastinator. Or perhaps you just don’t have the time to learn about the market and different investment vehicles. That’s exactly what an advisor can help you with. Join us today as we discuss some questions you should ask yourself if you are considering looking for an advisor.
What we discuss today:
0:51 – Happy February!
1:45 – Are you a procrastinator?
5:38 – What do you know?
6:57 – We don’t know what we don’t know
8:50 – Do you have the time?
10:56 – Navigating all the information
12:50 – Reading the headlines
Get additional financial information: https://sephtonfinancial.com/podcasts/
Family budgets, college, weddings, there is a lot to consider financially when it comes to our kids. On today’s episode, we are going to discuss the role our kids play in our retirement plan. If you have children and depending on their ages, you’ve probably thought about this before.
If you have your kids later in life, you may be looking at these expenses as you approach retirement age. Or maybe you want to save some money for your grandchildren. But giving away your retirement money to pay for college or a wedding can be dangerous if you don’t have a plan. There are many ways you can save and still protect both your future and your child’s future. It’s all about starting these conversations and plans early on.
What we discuss today:
1:17 – Catching up with Donna
2:41 – Paying for college
5:27 – Trouble with the job market
8:14 – Saving for your grandkids
9:40 – Special needs situations
12:20 – Generational wealth
13:59 – Leaving the house behind
Get additional financial information: https://sephtonfinancial.com/podcasts/
It’s time for some fill-in-the-blank questions with Donna! What is the best way to be sure you won’t run out of money in retirement? If you hit retirement and you don’t have a plan in place, you will never know how much you can afford. You don’t want to outlive your money.
What do most clients worry about when they first come to visit an advisor? Retirement is a big worry, but a lot of people are just looking for peace of mind, someone to tell them that everything is going to be okay. Join us today as we discuss the stock market, common retiree mistakes, and more!
What we discuss today:
1:20 – Welcome to 2022!
2:14 – The best way to be sure you won’t run out of money is…
3:53 – The stock market has the ability to…
5:54 – If an advisor tells you … you should run away
7:40 – New clients are most worried about…
8:56 – The most common mistake pre-retirees or retirees make is…
11:54 – The most gratifying part of Donna’s job is…
Get additional financial information: https://sephtonfinancial.com/podcasts/
With only a few days left in 2021, we are continuing our countdown of 22 money resolutions for 2022. Have you checked your credit lately? This is easy and free. Doing so can show you exactly where your debt stands. Check your fees in the new year. This can relate to your investments or your subscription services. Or share your knowledge with loved ones. If you have an advisor, you really love or if you listened to a helpful podcast, make sure to spread the knowledge. We will also discuss donations, taxes, Roth conversions, and more. We hope some of these inspire you in 2022!
Get additional financial information: https://sephtonfinancial.com/2021/12/ep-8-22-money-resolutions-for-2022-part-2/
What we discuss today:
1:30 – Hope you had a good holiday!
2:06 – Check your credit
3:41 – Check your fees
5:49 – Share the knowledge
8:01 – Look for more donation opportunities
9:08 – Review your tax bracket
10:18 – Think of a Roth conversion
12:34 – Update your paycheck withholdings
13:12 – Rebalance your portfolio
14:03 – Plan your retirement transition
15:58 – Consolidate your accounts
17:48 – Listen to more episodes!
As 2021 winds down we want to discuss some money resolutions you can make in 2022 to have a more prosperous financial year. Most of them will be pretty easy, while some may require you to meet up with your financial advisor. On today’s podcast, we’ll go over the first 11 of 22 resolutions. We’ll discuss reducing debt, checking your designated beneficiaries, whether you should refinance, and more. This is the time of year to start getting your financial junk drawer in order for a more organized new year.
Get additional financial information: https://sephtonfinancial.com/2021/12/22-money-resolutions-for-2022-part-1/
What we discuss today:
1:40 – 2021 is coming to an end
2:25 – Reduce your debt
3:46 – Maxing your contributions
5:19 – Prepare for the unexpected
6:27 – Don’t overreact to headlines
7:52 – Implement a spending plan
9:31 – Meet with a financial advisor
11:08 – Check your beneficiaries
12:51 – Have tough conversations
14:48 – Audit your insurance
16:09 – Think about refinancing
17:57 – Organize your finances
Do you feel like you are behind when it comes to saving for retirement? The first step you should take is meeting with an advisor and really seeing where you are in your plan, it might surprise you. On today's episode, we will be discussing 5 opportunities for retirement's late bloomers.
Get additional financial information: https://sephtonfinancial.com/2021/12/5-opportunities-for-retirements-late-bloomers/
What we discuss today:
1:14 – Welcome to December!
2:22 – Catch-up contributions
5:38 – Kids coming off the payroll
7:12 – Disappearing debt
10:01 – Downsizing
13:59 – Twilight career
We’ve all done it before, but when it comes to our finances, we don’t want to cut corners. This can leave us blindsided once we are in retirement. If you feel behind on your retirement savings, you may be tempted to take on more risk which can be a way people cut corners and end up losing money.
Are your legal documents established and up to date? Do you have a plan for long-term care? Your finances need to be organized and we can’t cut corners on the important details. Join us today as Donna goes over 5 areas where people tend to cut corners and how we can avoid doing so in the future.
Get additional financial information: https://sephtonfinancial.com/2021/11/ep-5-quit-cutting-corners-in-your-finances/
What we discuss today:
1:08 – Getting ready for Thanksgiving
2:22 – Taking on too much risk
7:25 – Legal documents
9:41 – Being organized
11:41 – Ignoring details or investments
12:55 – Long term care
401(k)s, IRAs, and Roth accounts are all ways to traditionally fund your retirement. But what are some other buckets of income that may help your plan? On today’s episode, we are going to talk about 5 unexpected sources of income and how they can help your financial plan.
We will discuss, annuities and stocks, Health Savings Accounts, rentals, reverse mortgages, and part-time jobs. Having extra streams of income can be beneficial for healthcare costs, travel, and more. Maybe it is also an opportunity to have some extra spending money. We hope some of these inspire you to think outside of the box!
Get additional financial information: https://sephtonfinancial.com/2021/11/5-unexpected-sources-of-income/
What we discuss today:
1:36 – We are into November
4:48 – Annuities and stocks
7:10 – Health Savings Account
10:15 – Rentals
13:33 – Reverse mortgage
18:07 – Part-time job
You may feel financially comfortable with your retirement plan, but have you started planning out what you will actually do during retirement? With retirement comes a lot of free time. Planning out how you are going to live and what you are going to do is important.
Maybe you want to visit the grandkids more often, golf more, or get on the road to travel. On today's episode, we are exploring what living the dream in retirement means and how that impacts your finances. It's essential that you discuss your bigger plans and goals with your advisor. This way you'll have the tools to truly enjoy your retirement, the way you want to.
Get additional financial information: https://sephtonfinancial.com/2021/10/living-the-dream/
What we discuss today:
1:29 – Almost Halloween!
3:26 – The non-financial plan
5:37 – The small things
10:02 – Developing your goals
12:47 – A spending plan
If you have ever traveled on a subway you may have noticed the warning sign "Mind the Gap" telling you to watch your step as you exit the platform. In a similar way, we need to be mindful of the gaps in our retirement and financial plans.
On today's episode, Donna is covering 5 financial gaps we need to be vigilant about. Perhaps you want to retire before 65 and need a plan for healthcare until you are eligible for Medicare. Or maybe, you haven't accounted for inflation in your financial plan. Planning for these types of gaps can keep your overall retirement plan much more stable.
Get additional financial information: https://sephtonfinancial.com/2021/10/mind-the-financial-gap/
What we discuss today:
1:19 – Catching up with Donna
3:00 – What is minding the gap?
4:00 – The paycheck gap
6:22 – Social Security and Medicare gap
11:43 – Inflation gap
13:33 – Long term care gap
18:28 – The widow or widower’s gap
We are excited to introduce Widow, Wisdom, and Wealth with Donna Kendrick CFP®, CDFA®. When Donna became a widow herself, her financial advisor helped her and her family maintain stability. After this experience, Donna knew she needed to go into financial advising to help others. Her business, Sephton Financial, focuses on families in transition that need assistance navigating their finances.
She works with divorcees, widows and widowers, career changers, and anyone else facing major life changes. With her new podcast, she is hoping to spread knowledge about financial stability and independence. Today, we will learn a bit about Donna, her business, and her approach as a holistic financial advisor.
READ AND LEARN MORE: https://sephtonfinancial.com/2021/10/ep-1-introducing-widow-wisdom-wealth-with-donna-kendrick/
TIMESTAMPS
0:52 – Introducing Donna
1:37 – About the title of the podcast
3:43 – What does it mean to be a financial advisor?
5:19 – Background in finance
6:08 – Growing up in Philadelphia
6:42 – What Donna loves about her hometown
8:11 – Living abroad
10:00 – Long distance running
11:33 – About Donna’s business and clients
14:09 – Being a holistic advisor
16:08 – Last thoughts from Donna
RESOURCES
Website: https://sephtonfinancial.com/
Schedule A Call: https://calendly.com/donnakendrick
Phone: 215-948-3945