Clover Club

Join us for the much-anticipated continuation of our wealth-building journey on Clover Club. Host Erika Audrey is back, along with expert guest Lauren Iddins, wealth strategist for Raymond James, in this eagerly awaited Part 2 of our series.

In this episode, Erika and Lauren pick up where they left off, delving deeper into the importance of financial planning and growing wealth. Building on the cautionary tales and insights shared in the previous episode, they explore additional strategies and actionable steps to empower listeners on their financial journeys.

Through candid conversation and expert guidance, they address key topics such as investment diversification, risk management, and long-term financial goals. Drawing from their own experiences and expertise, Erika and Lauren provide valuable advice to help listeners make informed decisions and set themselves up for financial success and freedom.

Whether you're a novice investor or a seasoned pro, this episode offers valuable insights and practical tips to continue building wealth and securing your financial future. Tune in and join the Clover Club community as we navigate the path to prosperity together.

Contact Lauren Iddens here

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Any opinions are those of Lauren Iddins of the Atlanta 3KG Branch and not necessarily those of Raymond James. This information is intended to be educational and is not tailored to the investment needs of any specific investor. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Past performance is not indicative of future results.  Diversification does not ensure a profit or guarantee against a loss.

Bitcoin issuers are not registered with the SEC, and the bitcoin marketplace is currently unregulated. Bitcoin and other cryptocurrencies are a very speculative investment and involves a high degree of risk.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Investment products are: Not deposits. Not FDIC Insured. Not guaranteed by the financial institution. Subject to risk. May Lose Value.

U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government. 

CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. 

Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.

The Dow Jones Industrial Average (DJIA), commonly known as “The Dow” is an index representing 30 stock of companies maintained and reviewed by the editors of the Wall Street Journal. 

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market.

401(k) plans are long-term retirement savings vehicles. Withdrawal of pre-tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty. 

ETF shareholders should be aware that the general level of stock or bond prices may decline, thus affecting the value of an exchange-traded fund. Although exchange-traded funds are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indexes, the funds may not be able to exactly replicate the performance of the indexes because of fund expenses and other factors.

Raymond James & Associates, Inc., member New York Stock Exchange/SIPC.

You've heard of "Girl Math", but today we are talking "Girl Money". Join host Erika Audrey and special guest Lauren Iddins, wealth strategist for Raymond James, in this enlightening episode of Clover Club. Together, they delve into the vital importance of financial planning and the journey toward growing your wealth.

Tune in as Lauren shares valuable insights and strategies while recounting cautionary tales, including Erika's personal experiences of being misled for thousands of dollars in her 20s. Through real-life anecdotes and expert advice, they empower listeners to navigate the complexities of financial management and make informed decisions for a secure future.

Plus, don't miss out on the opportunity to have your burning questions answered as they address listener submissions, ensuring everyone walks away with actionable steps to set themselves up for financial success.

Contact Lauren here

Shop Hawkins & Clover here

Follow Hawkins & Clover here

_________________________________________________________________

Any opinions are those of Lauren Iddins of the Atlanta 3KG Branch and not necessarily those of Raymond James. This information is intended to be educational and is not tailored to the investment needs of any specific investor. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Past performance is not indicative of future results.  Diversification does not ensure a profit or guarantee against a loss.

Bitcoin issuers are not registered with the SEC, and the bitcoin marketplace is currently unregulated. Bitcoin and other cryptocurrencies are a very speculative investment and involves a high degree of risk.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Investment products are: Not deposits. Not FDIC Insured. Not guaranteed by the financial institution. Subject to risk. May Lose Value.

U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government. 

CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. 

Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.

The Dow Jones Industrial Average (DJIA), commonly known as “The Dow” is an index representing 30 stock of companies maintained and reviewed by the editors of the Wall Street Journal. 

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market.

401(k) plans are long-term retirement savings vehicles. Withdrawal of pre-tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty. 

ETF shareholders should be aware that the general level of stock or bond prices may decline, thus affecting the value of an exchange-traded fund. Although exchange-traded funds are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indexes, the funds may not be able to exactly replicate the performance of the indexes because of fund expenses and other factors.

Raymond James & Associates, Inc., member New York Stock Exchange/SIPC.

Join host Erika Audrey on this episode of Clover Club as she delves into the vibrant world of Atlanta's creative scene with special guest Mark DiNatale, partner at The Goat Farm in Atlanta, Georgia. Mark shares his fascinating journey, beginning as a farmer fresh out of the Peace Corps, and how he rose through the ranks to become a partner at The Goat Farm. Discover the rich history of The Goat Farm, one of Atlanta's cherished gems, and explore the intricate details of its recent renovation. Mark provides insights into what to expect after the grand reopening, highlighting the Farm's unique approach to fostering social arts connections. From its transformative events to its reputation as a haven for artists and creatives, learn why The Goat Farm stands out as one of the coolest places in the city. Tune in to uncover the magic behind this iconic Atlanta landmark and its vision for the future.

Visit The Goat Farm here

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In this episode of Clove Club, host Erika Audrey sits down with her friend Nick Pantano, owner of Sound Space, to discuss his journey to becoming a small business owner. They talk about the importance of learning an instrument at any age and how it can benefit not just your musical skills, but also your mental health and overall well-being. Nick shares the ups and downs of running a small business and how he navigates the challenges that come with it. Tune in to hear their insightful conversation on music, entrepreneurship, and personal growth.

Visit Sound Space here

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Join host Erika Audrey on this juicy episode of Clover Club as she is joined by her dear friend Kara Hidinger, co-owner of Staplehouse. With a friendship spanning 15 years, Erika and Kara share a special bond rooted in shared experiences, including the loss of loved ones to cancer. In this candid conversation, they tackle real-life topics like marriage, parenting, entrepreneurship, and the bitter sweet symphony of love and loss. Amidst the poignant moments, the duo also reminisces about hilarious embarrassing stories and cherished memories. Tune in for an authentic and touching discussion that delves into the highs and lows of life, friendship, and resilience.

Visit Staplehouse here

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Join host Erika Audrey on this charming episode of Clover Club as she sits down with Melissa and Bethany from Mahjong Social ATL. Dive into the fascinating world of mahjong, exploring its history, strategies, and the joy it brings to communities. Discover how these friends turned their passion into a successful small business and learn about the unique bond formed through the game. Tune in for a delightful conversation about mahjong, friendship, and the magic of turning shared interests into thriving enterprises.

In this week's solo episode of Clover Club, host Erika Audrey breaks down the practical side of solo travel based on her recent trip to an all-inclusive resort in the Dominican Republic. No frills, just real talk about the challenges, unexpected twists, and valuable insights she gained along the way. Tune in for a no-nonsense discussion on solo travel tips, navigating hiccups, and why taking that solo trip might be more doable and rewarding than you think. Get ready for a straightforward and practical solo travel story time.

*Musings of an entitled millennial are for entertainment purposes only*

In this captivating episode we journey through the remarkable life of Nancy Rorabaugh. At 86, Nancy shares the vivid tapestry of her experiences, beginning with her childhood during the tumultuous times of World War II. Her story unfolds through tales of love and loss, featuring two marriages that shaped her path, and brought her two wonderful daughters. Nancy takes us behind the scenes of a 30-year illustrious career in the male dominated advertising industry, where her creating and determination left and indelible mark. But Nancy's adventures didn't stop at the office door; her passion for exploration took her across the globe, experiencing the vast beauty and diversity of our world through International travel. Beyond her achievements and adventures, Nancy reflects on the profound themes of love and again, offering listeners a treasure trove of wisdom and inspiration. Join us for an episode that's not just a journey through Nancy's life but a reflection on the enduring power of living fully at every age.

In this episode, host Erika Audrey sits down with Dr. Mo Patel, immunization expert, pediatrician, and recent MBA graduate. Together, they tackle topics like innovation through struggle, the nuanced difference between equity and equality, and navigating the challenges of the news cycle, particulary during an election year.

Dr. Patel shares insights into the importance of humanizing healthcare workers, shedding light on the realities faced by those on the frontline. Join Erika and Dr. Patel for a thought-provoking discussion that spans healthcare, social justice, and the remarkable stories that make us all human- oh yea, and EBOLA!

Dive into the latest Clover Club episode as host Erika Audrey is joined by Atlanta's renowned street artist, Chris Veal! Discover the ins and outs of a working artist's life, from his beginnings to handling criticism. Join us for an interesting little chat about art, inspiration, and creativity.

Follow Chris at @caveal

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