Women's Money Wisdom
231 episodes - English - Latest episode: 5 days ago - ★★★★★ - 11 ratingsWomen face a unique set of challenges - from caring for aging parents to raising children - all while trying to maintain a career and a semblance of work-life balance. It can be overwhelming, and it's all too easy to put your own needs and finances on the back burner. We believe that every woman deserves to feel financially empowered and secure. Our podcast is designed specifically for women like you - women who are ready to take charge of their finances and their future. Host and financial planner at Pearl Planning, Melissa Joy, CFP ®, will roll out a new episode each week to help you improve financial literacy and gain the confidence you need to navigate your financial life. Pearl Planning is a financial planning and wealth management practice located at 8031 Main Street in Dexter, Michigan. You can reach our office at (734)274-6744. Investment advisory services offered by Pearl Planning, a DBA of Stephens Consulting LLC., an SEC registered investment advisor. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Pearl Planning, or any non-investment related content, made reference to directly or indirectly in this Podcast will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this podcast serves as the receipt of, or as a substitute for, personalized investment advice from Pearl Planning. To the extent that a listener has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Pearl Planning is neither a law firm, nor a certified public accounting firm, and no portion of the Podcast content should be construed as legal or accounting advice. A copy of Pearl Planning’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.pearlplan.com. Content represents the opinion of the speaker and not necessarily that of Pearl Planning.
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Episodes
Episode 76: Improving Your Net Worth with Alexa Kane
August 03, 2021 10:00 - 17 minutes - 11.8 MBIn this episode, Melissa Fradenburg is joined by Alexa Kane, CFP®, Financial Advisor with Pearl Planning, to discuss ways to improve your net worth. We will discuss: · What is Net Worth and how do you calculate it? · How incremental increases in retirement contributions can really increase assets over time. · Why paying down debt on the liability side makes sense. · How refinancing can improve your balance sheet. · How market performance can hurt or help ...
Episode 75: Financial Issues in Divorce with Anthony Urbani II J.D. and Jennifer Adlhoch
July 23, 2021 10:00 - 24 minutes - 17 MBIn this episode Melissa Fradenburg financial advisor, RJFS covers common financial questions that come up in the divorce process with family law attorney, Anthony Urbani II J.D. and Realtor, Jennifer Adlhoch, Esq. Divorce is an emotional process in which many important financial decisions need to be made. These decisions can have lasting impact on an individuals’ financial health and ability to build wealth well after the divorce is finalized. Through years of experience helping clients navi...
Episode 74: Financial Planning for Emerging Entrepreneurs with Anna N'Jie-Konte
July 20, 2021 10:00 - 29 minutes - 20.3 MBIn this episode Melissa Joy, CFP® and Anna N'Jie-Konte, MBA, CFP® talk about the importance of financial planning for entrepreneurs. Anna is the founder of Dare to Dream Financial Planning , and specializes in working with high-earning women and entrepreneurs of color, who want to build generational wealth. You will learn: · How to give yourself permission to pay yourself as a business owner. · Why it is important to know the appropriate amount of cash value in the business t...
Episode 73: Budgeting with Karen Dybis
July 13, 2021 10:00 - 41 minutes - 28.4 MBIn this episode Melissa Fradenburg, Financial Advisor, RJFS and Karen Dybis discuss creating a budget. Karen is a published author, journalist, and self-proclaimed finance nerd. Her passion for budgeting and experience as a retail reporter make Karen the perfect guest to discuss how to create a budget. She has found ways to celebrate success along the way and create friction on her savings to make budgeting more fun and easier to stick to over time. If you want to get spending under control ...
Episode 72: Buying a Home in a Sellers-Market with Shana Sine Cameron
July 06, 2021 10:00 - 20 minutes - 14 MBIn this episode Melissa Fradenburg, Financial Advisor, RJFS, and Shana Sine Cameron, Realtor® with Sine & Monaghan Realtors Real Living, discuss the current fast paced sellers-market and how you can increase the probability of having your offer accepted in a market where bidding wars have become common place. Shana Sine Cameron has over 25 years of experience in the Real Estate business, is consistently a top producer in the Grosse Pointe area and was awarded HOUR Detroit’s Top 5% of Realtor...
Episode 71: Claims and Coverage Options for Water Damage with Joe Tiberi
June 30, 2021 20:00 - 14 minutes - 9.96 MBIn this episode Melissa Fradenburg, Financial Advisor, RJFS, and Joe Tiberi, licensed, multi-line insurance agent and owner of The Tiberi Agency in Ann Arbor, MI discuss the recent water damage issues and some common questions with coverage and filing claims. You will learn: Most basic homeowners policies do not cover flood damage. What is the difference between flood insurance and drain backup coverage? How to tell which type of water damage you can claim. Going forward what coverage...
Episode 71: Claims and Coverage Options for Water Damage with Joe Tiberi
June 30, 2021 20:00 - 14 minutes - 9.96 MBIn this episode Melissa Fradenburg, Financial Advisor, RJFS, and Joe Tiberi, licensed, multi-line insurance agent and owner of The Tiberi Agency in Ann Arbor, MI discuss the recent water damage issues and some common questions with coverage and filing claims. You will learn: Most basic homeowners policies do not cover flood damage. What is the difference between flood insurance and drain backup coverage? How to tell which type of water damage you can claim. Going forward what coverage...
Episode 70: Social Justice Investments with Maya Philipson
June 22, 2021 10:00 - 25 minutes - 17.8 MBIn this episode Melissa Joy, CFP® and Maya Philipson, Co-Founder of Adasina Social Capital, discuss an investing strategy intended to organize investors to stop giving their dollars to companies that exacerbate racial, gender, economic and climate inequities. Maya and her partner, Rachel Robasciotti, launched Adasina Social Capital as a company dedicated to serving as a bridge between social justice movements and financial markets in 2020. Listen to this episode to find out about his unique ...
Episode 69: The Secrets to Happiness at Work with Dr. Tracy Brower
June 15, 2021 10:00 - 25 minutes - 17.3 MBIn this episode Melissa Joy, CFP® and Dr. Tracy Brower PhD. discuss the secrets to happiness at work. Dr. Tracy Brower is a PhD sociologist studying work-life fulfillment and happiness. She is the author of a new book, The Secrets to Happiness at Work as well as her previous book, Bring Work to Life by Bringing Life to Work. She is a principal with Steelcase’s Applied Research + Consulting group and a contributor to Forbes.com and Fast Company. Tracy is an award-winning speaker and has over ...
Episode 68: Financial Planning Considerations for Americans Working Abroad with Marina Hernández
June 08, 2021 10:00 - 32 minutes - 22.3 MBMelissa Joy, CFP® is joined by Marina Hernández, EA, CFP®, CEPA™, a US/Swiss Crossborder Wealth, Tax & Value Advisor and fee-only wealth and tax advisor for families with US and Swiss ties through Dynamic Wealth Advisors. Marina also runs The Crossborder Academy and The Crossborder Planner as public benefit initiatives providing educational tax planning resources for US immigrants and expats. In this episode Marina and Melissa discuss the complex financial issues expat families must consider...
Episode 67: Life Insurance with Alexa Kane
June 01, 2021 10:00 - 22 minutes - 15.3 MBIn this episode, Melissa Fradenburg is joined by Alexa Kane, CFP®, Financial Advisor with Pearl Planning, to discuss life insurance basics. Life insurance helps provide some financial protection while you are building wealth, but often people are under-insured and unsure how to protect themselves. We try to simplify the terms and answer some of the common questions in this informative episode. We will discuss: · Who needs life insurance? · What is the most affordable life ins...
Episode 66: College Planning with Jill Carr
May 25, 2021 10:00 - 28 minutes - 19.7 MBIn this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Jill Carr, CFP®, CPA, Financial Advisor at Stephens Wealth Management, discuss ways to save for your children’s college education. In addition to her experience as a financial advisor, Jill is a Certified Public Accountant, previously worked for the IRS, and is currently saving for her two children's college education. They talk about the advantages of one option over the others and debunk some of the myths they hear about col...
Episode 65: Human Rights and Investing with Perth Tolle
May 18, 2021 10:00 - 28 minutes - 19.3 MBIn this episode Melissa Joy, CFP® and Perth Tolle discuss freedom-centric investing and why looking at investing through a humanitarian lens can impact returns. Perth is the founder of The Life + Liberty Freedom 100 Emerging Markets Index, which is a freedom-weighted EM equity strategy that uses personal and economic freedom metrics as primary factors in the investment selection process. Born in Beijing and having moved to the United States at age 9, Perth was inspired by the stark disparity...
Episode 64: Motherhood, Money, and Making Space for Selfcare with Erica Galvan
May 11, 2021 10:00 - 33 minutes - 22.9 MBIn this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Erica Galvan, LMSW, discuss the unique challenges mothers face when it comes to allocating time and financial resources. Erica has a bachelor’s degree in Psychology and a master’s degree in social work from the University of Michigan and is the owner of Bloom Wellness Counseling, LLC. In this episode, Erica uses both her professional expertise in maternal mental health and her personal experience as both a stay-at-home and a w...
Episode 63: Finding Your Worth with Amalia Miralrio
May 04, 2021 10:00 - 26 minutes - 18 MBIn this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Amalia Miralrio, LCSW, LMSW discuss knowing your worth both in relationships and after a relationship has ended. Issues of self-worth can be sneaky and do not necessarily have anything to do with money. While Melissa helps people to understand the financial numbers in a split, Amalia focuses on helping people know their emotional worth. When things do not turn out the way we envisioned, whether a relationship or a career, ther...
Episode 63: Finding Your Worth with Amalia Miralrio
May 04, 2021 10:00 - 26 minutes - 18 MBIn this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Amalia Miralrio, LCSW, LMSW discuss knowing your worth both in relationships and after a relationship has ended. Issues of self-worth can be sneaky and do not necessarily have anything to do with money. While Melissa helps people to understand the financial numbers in a split, Amalia focuses on helping people know their emotional worth. When things do not turn out the way we envisioned, whether a relationship or a career, ther...
Episode 62: What to Look for in a Financial Advisor (Guest Podcast)
April 27, 2021 10:00 - 42 minutes - 29.4 MBIf you are seeking financial planning advice this episode is for you! There are many financial advisors to choose from, but they do not all deliver advice or do business the same way. And if you have never worked with an advisor before, it might be even more challenging to know what to look for. While licenses, experience, and cost structure are important, fit is just as key. Melissa Joy, CFP®, CDFA®, President of Pearl Planning, and Sarah Boston, Financial Advisor of Bookends Financial Plan...
Episode 61: Financial Life Planning with Dan Boyce
April 20, 2021 10:00 - 29 minutes - 20.2 MBMelissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss financial life planning. Have you ever thought about if you had all the money you needed to live a satisfying life, how would you spend it? Dan is a retired CFP®, with over 35 years of industry experience, who now helps people look for things that will make their life more meaningful beyond the financial planning process. Melissa and Dan discuss how getting deeper on how to live better lives c...
Episode 60: Understanding Prenuptial Agreements with Jennifer Lawrence
April 13, 2021 10:00 - 33 minutes - 22.8 MBIn this episode, Melissa Joy, CFP®, and Jennifer Lawrence discuss the basics of prenuptial agreements. Jennifer is a family law attorney specializing in divorce, custody, estate planning, and prenuptial agreements. If you and your significant other are considering having one drafted or you are just curious about the process, this is a must-listen episode. You will learn: Who should have a prenuptial agreement drafted and why? Why it is important that both parties have legal representation...
Episode 59: Inheritance Mistakes with Cathy Curtis
April 06, 2021 10:00 - 29 minutes - 20.2 MBIn this episode Melissa Joy, CFP®, and Cathy Curtis, CFP® discuss the common mistakes they see clients make when it comes to receiving an inheritance. Cathy is the founder of Curtis Financial Planning, a fee-only financial advisory firm dedicated to addressing the financial planning and wealth management needs of independent women. Through their combined experience, Melissa and Cathy share some ideas to prepare for inheritance and handle this potentially life-changing transfer of wealth. Yo...
Episode 58: Fitness and Financial Habits with Sarah Jelinek
March 30, 2021 10:00 - 22 minutes - 15.8 MBIn this episode, Melissa Fradenburg and Sarah Jelinek share tips to reach your fitness and financial goals. They discuss the similarities of the best practices to break habits that are not serving you. Sarah is a Certified Personal Trainer and fitness nutrition specialist, with a Master of Science in Kinesiology and concentration in sports conditioning. She helps her clients tap into their potential and become excited about fitness. You will learn: · How adding in several positive ...
Episode 57: Getting Over Fears of Talking About Money by Lindsay Bryan-Podvin
March 23, 2021 10:00 - 25 minutes - 17.6 MBIn this episode, Melissa Joy, CFP®, and Lindsay Bryan-Podvin discuss the societal and cultural stigma surrounding money conversations and how to change that mindset. Lindsay Bryan-Podvin is a social worker-turned-financial therapist, author, and speaker. Her financial therapy practice helps people get their minds and money in balance to reach their financial goals. You will learn: · How our culture reinforces our fear about money discussions. · When you feel overwhelmed by yo...
Episode 56: Mortgage Options in Divorce with Nathan Steiner
March 16, 2021 10:00 - 20 minutes - 13.9 MBIn this episode, Melissa Fradenburg and Nathan Steiner, NMLS #771054, discuss what options you have available when it comes to mortgages in the divorce process. Whether you want to stay in the marital home or qualify to purchase a home on your own, this is a must-listen for those considering divorce. Nathan has over 20 years of lending experience and understands the unique challenges those facing divorce can experience when it comes to home financing. You will learn: · Do you have t...
Episode 55: ESG Investing with Kalita Blessing
March 09, 2021 20:00 - 22 minutes - 15.7 MBEpisode 55: ESG Investing with Kalita Blessing In this episode Melissa Joy, CFP®, and Kalita Blessing, CFP® discuss environmental, social, and governance (ESG) investing. Kalita is a Wealth Manager with Quest Capital Management and a Chartered SRI Counselor, which is an investment advisor focusing on sustainable, responsible, and impact investing strategies. You will learn: · What is ESG Investing? · Common myths surrounded ESG investing. · How are some ways to impleme...
Episode 54: Business Ownership with Chris Cooper
March 02, 2021 11:00 - 20 minutes - 14.3 MBIn this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Chris Cooper, owner of Zeppelin Cleaning Services, discuss what it takes to be a business owner. Chris started his commercial cleaning business 13 years ago, out of the trunk of his car, and now it is the fastest-growing commercial cleaning company in Southeast Michigan. He shares his thoughts on getting a business off the ground and highlights qualities that help a business owner to be successful. We will discuss: · W...
Episode 53: BEST OF 52 Pearls with Melissa Joy and Melissa Fradenburg
February 23, 2021 11:00 - 17 minutes - 11.8 MBIn this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor, RJFS, celebrate the 500th download of their podcast and highlight some of their favorite moments. They talk about episodes coming in 2021 as well as share clips from the most popular episodes in the first year of podcasting together. We will discuss: · The concept of #52 Pearls and why they decided to do a weekly podcast. · What was the most fun to record episode? · Which episodes were the...
Episode 52: Tax Considerations in Divorce with Jamie Wilkerson Majni
February 16, 2021 13:00 - 23 minutes - 15.9 MBIn this episode, Melissa Fradenburg, Financial Advisor, RJFS and Jamie Wilkerson Majni CPA, discuss the common tax issues and considerations in divorce. With over 20 years of experience as a CPA and experience going through her own divorce, Jamie knows there are a lot of financial changes through the process. While it can be daunting to face these changes, especially if you were not the one filing taxes in your marriage, our goal in this episode is to break down the main issues you should ad...
Episode 51: Humble Beginnings to Financial Success Dr. David Rhoiney
February 09, 2021 13:00 - 28 minutes - 19.3 MBIn this episode, Melissa Joy, CFP®, and Dr. David Rhoiney discuss how to overcome barriers to building wealth and get financial advice to those who need it the most. David is a General Surgeon, a graduate of the United States Naval Academy, and a former two-sport NCAA athlete. He is also a person who has overcome incredible barriers and learned valuable tools to building wealth. We will discuss: · Why the first step is always knowing where your money is going every month. · W...
Episode 50: Gen Z Disruption with Julia Carreon
February 02, 2021 13:00 - 23 minutes - 16.2 MBIn this episode, Melissa Joy, CFP®, and Julia Carreon, CFP®, discuss why the generation after millennials is set for an imminent demographic transformation. Julia is a managing director at Wells Fargo, with twenty-five years of financial service professional experience and a long track record of ideating and implementing technological innovation. We will discuss: · Why the next 10 years will be the largest turnover of generations by the numbers and what that means for wealth managem...
Episode 49: Visualizing Retirement with Stuart Ritter
January 26, 2021 13:00 - 23 minutes - 16 MBIn this episode, Melissa Joy, CFP®, and Stuart Ritter, CFP®, discuss why it’s important to take a holistic approach to retirement planning and the need to look beyond just the financial aspect. Stuart shares insights drawn from actual retiree behaviors through his research and shares tips on how to visualize retirement. Melissa and Stuart agree that while it’s important to be financially prepared for retirement, retirees are often not prepared for the lifestyle and emotional changes that re...
Episode 48: Financial Therapy with Nate Astle
January 19, 2021 13:00 - 24 minutes - 17.1 MBIn this episode Melissa Joy, CFP®, and Nate Astle, M.S., discuss how financial therapy offers a way to better understand how people think, feel, and behave differently with money. Financial therapy is a process informed by both therapeutic and financial competencies that helps people think, feel, and behave differently with money to improve overall well-being through evidence-based practices and interventions. We will discuss: How COVID has left many people stressed and uncertain about the...
Episode 47: Comparison is the Thief of Joy with Cherisa Allen
January 12, 2021 13:00 - 27 minutes - 19.2 MBIn this episode Melissa Joy, CFP® and Cherisa Allen, discuss why we often look to what others have, as a way to benchmark our own success. Cherisa is a social worker, transformational life coach, and empowerment speaker who believes this tendency of comparison is causing many people to fail. The idea of focusing on your own financial goals, and how to get there through authenticity, is a very timely topic for the new year. You will learn: What is your relationship with money? Why using...
Episode 46: Equity Compensation with Rachel Elson
January 05, 2021 13:00 - 23 minutes - 16.2 MBIn this episode Melissa Joy, CFP® and Rachel Elson, Wealth Advisor at Perigon Wealth Management, discuss equity compensation. Rachel was a longtime personal finance journalist and former Editor-in-chief for Financial Planning Magazine before entering private practice. Rachel and Melissa talk about ways you can be compensated outside of your salary and what that means for you. You will learn: · What percent of your portfolio is safe to have in company stock? · What are the tax ...
Episode 45: Legal Documents for Families with Kids with Ashley Waddel-Tingstad
December 29, 2020 13:00 - 28 minutes - 19.5 MBEpisode 45: Legal Documents for Families with Kids with Ashley Waddel-Tingstad In this episode Melissa Joy, CFP® and Ashley Waddel-Tingstad, the founder of Treetown Law, PLLC, discuss important legal documents every family should have. As a seasoned attorney, mother, and someone who has experienced sudden loss, Ashley brings a human approach to estate planning for families. You will learn: · Why do you need to have a designated guardian document in place? · Think of estate p...
Episode 44: Making Big Financial Decisions with Casey Snyder
December 22, 2020 13:00 - 23 minutes - 16.4 MBIn this episode Melissa Joy, CFP® and Casey Snyder, CFP® discuss how you can develop your lifestyle in a safe and healthy way. Casey, a Wealth Manager with the Sedoric Group, believes people should focus on the components of financial success that can be managed, rather than the variables beyond our control. You will learn: · How it makes sense to take calculated risks that you have prepared for vs making risky money moves. · Why maintaining a conservative balance sheet can...
Episode 43: Emotions and Money with Kathy Longo
December 15, 2020 13:00 - 22 minutes - 15.8 MBIn this episode Melissa Joy, CFP® speaks with Kathy Longo, CFP®, CAP®, CDFA®, founder of Flourish Wealth Management on the topic of understanding emotions in financial decisions. Many of the decisions we make surrounding money come from a place of emotion, so it is important to acknowledge those emotions and know your money story. You will learn: · Are you making money decisions from a place of fear? · What are the 4 stages of transitions? · How to focus on what you ca...
Episode 42: Year-End Tax and Financial Planning with Alexa Kane
December 08, 2020 13:00 - 18 minutes - 12.4 MBIn this episode Melissa Fradenburg is joined by Alexa Kane, CFP®, to discuss year-end tax and financial planning steps, specifically for 2020. It has been a crazy year for many, but you still have time to get organized and stay-on-track for your financial goals. We will discuss: · Have your goals or circumstances changed & does this change your investment strategy? · Do you have any unrealized tax losses that it would be appropriate to realize? · Review tax circumstanc...
Episode 41: Understanding Spousal Support in Divorce with Peter Bissett
December 01, 2020 13:00 - 30 minutes - 21.1 MBIn this episode, Melissa Joy CDFA® is joined by attorney Peter Bissett, PLC to discuss spousal support. Peter works both in litigation and collaborative law practice, and focuses solely on divorce, custody, and parenting time proceedings. In this episode, Melissa and Peter address the many variables that go into determining spousal support in the divorce process. You will learn: · Even in a “no-fault” divorce state, fault can play a role in spousal support. · What are the 14...
Episode 40: Holiday Spending with Karen Dybis
November 24, 2020 13:00 - 32 minutes - 22.6 MBEpisode 40: Holiday Spending with Karen Dybis In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Karen Dybis discuss holiday spending. Karen is a published author, journalist, and self-proclaimed finance nerd. Her passion for budgeting and experience as a retail reporter makes her the perfect guest to discuss holiday spending. You will learn: · How to use Quapital to create individual sinking funds. · Be realistic and honest with your overall spending number ...
Episode 39: Attributes of Wealthy People with Sarah Boston and Karen Coyne
November 17, 2020 11:00 - 22 minutes - 15.5 MBIn this episode Melissa Joy, CFP® is joined by Sarah Boston, CFP®, and Karen Coyne, CFP® to discuss the common attributes of their wealthy clients. With over 50 years of combined experience helping clients build wealth, these three advisors have noted what actions or behaviors have helped their most successful clients. We will discuss: · What does it mean to be “In action”? · The ability to delay gratification with big purchase items. · Why not comparing yourself with o...
Episode 38: Getting Top Dollar for your Listing with Jennifer Adlhoch
November 10, 2020 13:00 - 13 minutes - 9.14 MBMelissa Fradenburg, Financial Advisor, RJFS, is joined by Realtor, Jennifer Adlhoch to discuss how to get your home ready to sell. In this episode, Melissa and Jennifer will discuss the things home buyers are looking for in the current COVID market as well as the things you can do to increase the value of your home and make it more appealing to potential buyers. You will learn: · What buyers are looking for in the COVID market. · How to get your home ready for a showing. · ...
Episode 37: Refine Your Networking Prowess with Laura Webb
November 03, 2020 13:00 - 25 minutes - 17.5 MBIn this episode Melissa Joy, CFP® is joined by Laura Webb, CFP®, and President of Webb Investment Services, to discuss the ins and outs of networking. We are so pleased to have the networking expertise Laura brings with 36 years in the financial services industry and as the creator of WomanUp, an initiative supporting women in business. We will discuss: · Why networking is a financial discussion. · Why you need a career network and a resource network. · How to lead wit...
Episode 36: Gen X Finances with Stephanie Vaught
October 27, 2020 12:00 - 24 minutes - 16.7 MBIn this episode Melissa Joy, CFP® speaks with Stephanie Vaught, Financial Coach and founder of Social Money Finance. Melissa and Stephanie discuss experiences working with and specific financial challenges the generation born between 1965-1982 face. We will Discuss: · Handling the ‘What ifs’ and being prepared for a plan B. · The importance of having vulnerability with your financial coach or financial planner. · What are the facts-What am I earning NOW? · Artic...
Episode 35: Women Investors with Tommi Johnsen & Elisabetta Basilico
October 20, 2020 12:00 - 23 minutes - 16.2 MBMelissa Joy sits down with two academic investment researchers, Dr. Tommi Johnsen and Dr. Elisabetta Basilico to discuss academic research for women investors. Drs. Johnsen and Basilico are the authors of Smart(er) Investing which sorts through investing research to find trends and translations for investors. One of their chapters focuses on the dearth of women investors. In this discussion we discuss: · What percent of portfolio managers are women? HINT: very few · What doe...
Episode 34: Money Talk for College Students with Stacy Miller
October 13, 2020 12:00 - 27 minutes - 18.6 MBIn this episode Melissa Joy, CFP® speaks with Stacy Miller, CFP®, Vice President, and Wealth Advisor of Bright Investments LLC. Stacy shares her tips on talking with young adults about money concepts as well as shares her personal experiences with her two college-aged sons. · How to send your college freshman off to school with a credit card. · Teaching two ways to approach the concept of living within your means. · Why a HIPAA release form is important for your college ...
Episode 33: Charitable Giving with Laura Brownfield
October 06, 2020 12:00 - 29 minutes - 20.2 MBMelissa Fradenburg, Financial Advisor, RJFS, is joined by estate planning attorney Laura Brownfield. Laura works in the structuring of giving vehicles and gifting policies and procedures in her role at the community foundation for Southeast Michigan. In this episode, Melissa and Laura will discuss the different options for charitable giving with a special focus on recently implemented tax laws under the CARES Act as well as potential post-election tax law changes. You will learn: · H...
Episode 32: How to Tackle Open Enrollment
September 29, 2020 12:00 - 11 minutes - 7.7 MBIn this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS, discuss some key options available during open enrollment. We will discuss why a high deductible healthcare option might make sense as well as explain benefits like disability and deferred compensation options that might be available through your employer. You will learn: · How HSA’s and Flexible Spending accounts are different. · Why it is important to evaluate how much is going into your retire...
Episode 32: How to Tackle Open Enrollment
September 29, 2020 12:00 - 11 minutes - 7.7 MBIn this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS, discuss some key options available during open enrollment. We will discuss why a high deductible healthcare option might make sense as well as explain benefits like disability and deferred compensation options that might be available through your employer. You will learn: · How HSA’s and Flexible Spending accounts are different. · Why it is important to evaluate how much is going into your retire...
Episode 31: Financial Things We Wish We Knew in Our 20s
September 22, 2020 12:00 - 18 minutes - 12.7 MBIn this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS discuss some of their own money mistakes as well as the evolution of their money mindsets. Where did we learn basic financial skills? Learn from things we regret doing or not doing in our early adult years. You will learn: · Why you need to build credit but not debt. · The evolution from a job to a career. · When you start making money what do you do with it? · How does your money min...
Episode 30: Medicare with Joanne Giardini-Russell
September 15, 2020 12:00 - 23 minutes - 16.2 MBIn this episode, Melissa Joy, CFP®, and Joanne Giardini- Russell, founder of Giardini Medicare will discuss planning strategies that help to meet the needs of aging retirees. While many costs go down in retirement, health care continues to creep up occupying substantial financial resources as well as time. Learn about all things Medicare and how to navigate options and enrollment. You will learn: · Do you NEED to sign up for Medicare · HOW to sign up for Medicare · Wh...