Women's Money Wisdom
231 episodes - English - Latest episode: 4 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 29: Student Loan Strategies with Catalina Kaiyoorawongs
September 08, 2020 12:00 - 32 minutes - 22 MBIn this episode, Melissa Joy, CFP®, and Catalina Kaiyoorawongs, cofounder of LoanSense and student loan expert, discuss options to manage student loans and how borrowers can access the millions in federal student loan relief funds to get out of student debt. You will learn: · Why loan refinancing may not be optimal in your situation. · How pay as you earn options can substantially reduce payments. · What criteria can change eligibility for student loan forgiveness. ·...
Episode 28: Five Financial Things to do Before Year End
September 01, 2020 12:00 - 16 minutes - 11.5 MBEpisode 28: Five financial Things to do Before Year-End In this episode Melissa Joy, CFP® and Melissa Fradenburg discuss the five things to consider with regards to your finances before year-end. While markets have been resilient, the current environment of a global pandemic, an economic recession and a divisive political environment may have you feeling paralyzed. In this episode we discuss some ideas to keep your financial house in order when everything else seems uncertain. You will lea...
Episode 27: Owning Your Money Story with Eugenie George
August 28, 2020 11:00 - 22 minutes - 15.4 MBEpisode 27: Owning Your Money Story with Eugene George In this episode Melissa Joy, CFP® speaks with Eugene George on the topic of owning your money story and how to incorporate that story into your financial wellness plan. Eugenie is a financial coach, Certified Financial Educator, and author of the book Our Money Stories. She has and unique approach of viewing money patterns and interviewing women of all races to understand financial wellness and shape critical conversations around race a...
Episode 26: Pivoting your Business Mindset during COVID-19 with Megan Gunnell
August 21, 2020 12:00 - 20 minutes - 13.9 MBIn this episode Melissa Fradenburg, Pearl Planning Financial Advisor, and guest Megan Gunnell, LMSW discuss how to pivot your business as well as maintain an abundance mindset during the global pandemic. Megan is the founder of the Thriving Well Institute, Psychotherapist, Speaker, Writer, and International Retreat Leader who most recently launched a successful online coaching program. Her positive attitude and courageous authenticity are infectious in this episode. You will learn: · ...
Episode 25: Bridging Wealth and Income Equality with Camille York
August 13, 2020 12:00 - 24 minutes - 16.9 MBEpisode 25: Bridging Wealth and Income Equality with Camille York In this episode Melissa Joy, CFP® speaks with Camille York, AAMS® CDFA® on the disparity that exists between what black women and non-Hispanic white men earn. Why does this gap exist and how can we create change through salary negotiation skills, knowledge, and advocacy? You will learn: · How to adjust your lens when it comes to income equality · Income equality is NOT a zero-sum game · How to “know you...
Episode 24: Opportunities for Young High Earners with Asad Gorani
August 07, 2020 13:00 - 28 minutes - 19.9 MBEpisode 24: Financial Decisions for Young High Earners with Asad Gorani In this episode Melissa Joy, CFP® speaks with Asad Gorani, CFP®, founder and CEO of AG Wealth Management on the topic of HENRYS and what specific financial decisions they face. The term HENRY stands for High Earner Not Rich Yet and in this podcast we will look at some of the key opportunities as well as challenges this group faces while building wealth. You will learn: · Who are HENRY’s? · What opportunit...
Episode 23: Small Giants Values with Hamsa Daher.
July 31, 2020 12:00 - 20 minutes - 14.1 MBIn this episode Melissa Joy, CFP® speaks with Hamsa Daher on the topic of leaning into values and purpose in a crisis. Hamsa is the executive director of the Small Giants Community, a designated L3C organization, a hybrid between a for-profit and a nonprofit entity that prioritizes mission and social purpose. You will learn: · The idea that Small Giants prioritize people over profit. · Some companies exist for a higher purpose · Why vision and values become front and...
Episode 22: Financial Considerations for Women in Divorce with Heather Bendure
July 22, 2020 16:00 - 27 minutes - 18.9 MBMelissa Fradenburg, Financial Advisor with Pearl Planning is joined by Heather Bendure, owner of Grosse Pointe Family Law Center. Heather is a divorce lawyer who thinks well-informed clients should decide what is best for them, their children and their families. She offers compassionate guidance to help clients make good decisions. In this episode Melissa and Heather will discuss the common financial mistakes they see their female clients make when it comes to divorce and how to avoid them....
Episode 21: Collaborative Divorce with Alisa Peskin-Shepherd
July 07, 2020 16:07 - 36 minutes - 25 MBMelissa Joy CDFA® is joined by Alisa Peskin-Shepherd, an approved Michigan mediator with nearly 30 years of experience practicing law and specially trained as a family, divorce and custody mediator as well as a collaborative family law attorney. In this episode Melissa and Alisa will discuss the different options couples have when it comes to the divorce process with a special focus on how the collaborative divorce process works. You will learn: - Why Collaborative divorce is efficient - ...
Episode 20: Zingerman's Visioning for Uncertain Times with Elnian Gilbert
June 30, 2020 15:17 - 27 minutes - 18.8 MBMelissa Joy, CFP® is joined by Elnian Gilbert, trainer and keynote speaker for Zing-train, shares Zingerman’s approach to business in visioning. Visioning is a tool that can help clarify what is most important. What success looks like at a particular point in time in the future. Feeling off balance, knocked off course and disoriented? We certainly are! In this episode learn how to: -Better prioritize how to spend your time and other resources -How to better navigate drastic shifts in how...
Episode 19: Instilling good money habits in your children with Sam X Renick
June 26, 2020 20:10 - 25 minutes - 17.8 MBIn this episode Melissa Fradenburg, Financial Advisor with Pearl Planning, and Sam X Renick talk about ways to instill good financial habits in your children. Sam is an award-winning financial educator, children’s author, songwriter, and entrepreneur. He is one of the creators and driving forces behind Sammy Rabbit and the Dream Big Financial Education Initiatives. We will learn: - a financial literacy song for young children -How saving money teaches delayed gratification -How to correc...
Episode 18: QDROs in Divorce with Sharee Burkel
June 23, 2020 16:20 - 30 minutes - 21.2 MBMelissa Joy, CFP® is joined by Sharee Burkel, the owner of the QDRO Company, LLC, a CERTIFIED FINANCIAL PLANNER™ practitioner, Certified Divorce Financial Analyst (CDFA®), and Certified QDRO Specialist™. In this episode they discuss Qualified Domestic Relations Order (aka QDRO) in simple and easy to understand terms. If you need to divide retirement assets in divorce, you may need a QDRO. We explain the ins and outs. Learn about - What is a QDRO - Why do I need one? - When should I start...
Episode 17: Conquering Financial Shame with Christine Luken
June 19, 2020 16:47 - 29 minutes - 20.4 MBMelissa Joy, CFP® sits down with Christine Luken a Certified Financial Counselor, The Financial Lifeguard and founder of The Financial Dignity Movement, to talk about the emotional side of money. In this conversation we discuss how to manage the emotional side of money and guide you to a place of certainty with your finances. We can’t take the emotions out of financial decision making but we can understand the process. The conversation includes: -The difference between guilt and shame when...
Episode 16: Closing the Racial and Gender Wealth Gap with Renee Baker
June 16, 2020 19:08 - 42 minutes - 29.3 MBMelissa Joy, CFP® sits down with Renée Baker, DBA. Renee is Head of Private Client Group Advisor Inclusion Networks at Raymond James. In her work, Renee leads the Womens Financial Advisor Network, Black Financial Advisor Network, and the new Pride Network for LGBTQUI+ advisors. In this conversation, we discuss the need for a more diverse financial profession and how that will help with access to financial advice for all people. The conversation includes: · Statistics on underrepresented ad...
Episode 15: What is Financial Planning?
June 12, 2020 15:26 - 26 minutes - 18.3 MBWelcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management practice located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. In addition to the podcast, you can follow along on our company Facebook pages Dexter page and Grosse Pointe. This week we're talking about financial pl...
Episode 15: What is Financial Planning?
June 12, 2020 15:26 - 26 minutes - 18.3 MBWelcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management practice located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. In addition to the podcast, you can follow along on our company Facebook pages Dexter page and Grosse Pointe. This week we're talking about financial pl...
Episode 14: Financial Perspective During Coronavirus with Dan Boyce
June 09, 2020 10:59 - 30 minutes - 20.7 MBMelissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the uncharted markets of COVID-19. In this episode we will discuss - Have a plan and stick to it - Where will income come from in retirement - Don’t try to predict the market - Fear vs. Greed Raymond James is not affiliated with Dan Boyce. All i...
Episode 13: Mortgage Decisions During Divorce with Erica Powers
May 29, 2020 18:34 - 17 minutes - 12.1 MBMortgage Decisions During Divorce with Erica Powers Melissa Joy is joined by Erica Powers to talk about mortgage decisions during divorce. Erica is a licensed mortgage banker with NMLS #739673 at Level One Bank member FDIC and an Equal Housing Lender, with locations in southeast Michigan including Ann Arbor and Detroit. She works with clients around the country. We discuss: · How do you make a payment fit into your budget when going through a transition or change? · The value of a relat...
Episode 12: College Decisions During COVID-19 with Amy McVeigh
May 26, 2020 15:14 - 41 minutes - 28.3 MBHow do you adjust college decisions during a pandemic? In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with college selection consultant Amy McVeigh, founder of Smart College Selection. We’re discussing: · How college consultants help students and families set expectations, narrow down their college decisions, and make the right selection for college. · Options for kicking off college decisions for families of rising seniors including adjustments for testing and ho...
Episode 11: All about Medicare issues during COVID-19
May 22, 2020 17:55 - 20 minutes - 14.4 MBToday’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare. We cover: · How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of your local office. · Decisions that should be made if you’re Medicare-eligible and suddenly unemployed. · Mistakes to avoid when you are Medicare-eligible and are offered COBRA. · Changes in income this year and how to appeal your IRMAA cha...
Episode 10: Using Gratitude for an Abundant Money Mindset During Covid-19 with Dawn Starks
May 15, 2020 11:53 - 30 minutes - 21.1 MBToday Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about: · What does abundance mean for your financial life? · How gratitude and helping can help you to embrace an abundance mindset in today’s uncertain times. · Why you should use this time as a breather to plan for what’s next in your money life. · Dawn suggest you do an ass...
Episode 10: Using Gratitude for an Abundant Money Mindset During Covid-19 with Dawn Starks
May 15, 2020 11:53 - 30 minutes - 21.1 MBToday Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about: · What does abundance mean for your financial life? · How gratitude and helping can help you to embrace an abundance mindset in today’s uncertain times. · Why you should use this time as a breather to plan for what’s next in your money life. · Dawn suggest you do an ass...
Episode 9: What do I do with my 401K?
May 08, 2020 17:23 - 14 minutes - 10.2 MBWelcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Grosse Pointe Farms. This week we're talk...
Episode 8: Retirement Investing in Bear Markets with Ashby Daniels
May 04, 2020 14:19 - 24 minutes - 16.9 MBMelissa Joy CFP® is joined by Ashby Daniels, CFP®. Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stages of a Bear Market”. Why when you enter a crisis, you have two choices – acceptance or panic. How to avoid permanent damage to your investment portfolio. Why Ashby wants you to worry less about the next 20% move and more about the next 100% move. Recov...
Episode 7:Understanding Bankruptcy with Charissa Potts
April 30, 2020 18:37 - 22 minutes - 15.5 MBMelissa Fradenburg, Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedomlawpc.com She was recently named to the prestigious American Bankruptcy Institute (ABI) 2019 “40 under 40” class of top bankruptcy practitioners nationwide. We’ll learn: *What happens if I declare bankruptcy? *What is the difference between ...
Episode 6: COVID-19 and Estate Planning with Joan Skrzyniarz
April 24, 2020 14:47 - 23 minutes - 15.9 MBMelissa Joy is joined by estate planning attorney Joan Skrzyniarz, practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan. Joan and Melissa discuss: Why for estate planning, perfection can be the enemy of progress. The documents you need in place during a pandemic (medical powers of attorney, financial power of attorney, wills, and trusts). The importance of a parental designation of guardian document for parents of minor children, especially during a health pa...
Episode 5: Technology Adaptations in the Age of Covid-19 with Bill McManus
April 22, 2020 02:57 - 19 minutes - 13.7 MBAmericans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus? Bill McManus is part of the Applied Insights Team for Hartford Funds. In his current position, Bill is responsible for engaging and educating both financial advisors and their clients about current and emerging opportunities in the financial services marketplace. Resour...
Episode 4: Cares Act Relief for Individuals
April 18, 2020 00:26 - 11 minutes - 7.81 MBWelcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Episode Notes Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Grosse Pointe Farms. This week we're talking about how the CARES Act can offer you some relief from the f...
Episode 3: CARES Act Relief for Small Business Owners
April 10, 2020 21:03 - 15 minutes - 10.5 MBWelcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Episode Notes Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. We'll be posting our companion podcasts weekly with a brief discussion (typically 5-10 minutes) about our weekly financi...
Episode 2: Focus on What You Can Control
April 02, 2020 14:33 - 8 minutes - 6.16 MBThe COVID-19 outbreak has turned our personal and financial lives upside down. This week, we discuss a go-to strategy for uncertain times: "focus on what you can control." --- Send in a voice message: https://anchor.fm/52pearls/message Data Sources: Capital Group, RIMES, Standard & Poor's.
Intro & Week 1: Map your financial goals
February 25, 2020 00:01 - 5 minutes - 3.95 MBWelcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Episode Notes Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls. We'll be posting our companion podcasts weekly with a brief discussion (typically 5-10 minutes) about our weekly finan...