Real Life Planning Podcast

In Episode 101 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, sits down with construction, real estate development veteran, and founder of Reform Construction & Development, Chad Sovia, to talk about maximizing both the lifestyle and financial value of a renovation. They cover where renovations can create meaningful value, how ADUs can unlock new possibilities, which upgrades are easy to overspend on, and how better planning can help keep your project and budget on track.

“Not every dollar you spend is an investment dollar.” — Chad Sovia

This week on Real Life Planning Podcast:

💡How should you balance lifestyle value with the long-term financial value of a renovation? [00:02:35]

💡How can an ADU or DADU create additional value and income from your property? [00:06:43]

💡Which renovations can add meaningful value when an ADU isn't an option? [00:12:24]

💡Why doesn't every renovation dollar translate into a dollar of increased property value? [00:17:31]

💡What should you evaluate before starting a major renovation or addition? [00:20:09]

Takeaway Quotes:

“A successful renovation should improve your life and how you're living, but also, I think you should think about the long-term value of what you're putting into the property.” — Chad Sovia

“They focus a lot on picking finishes that they really would want for themselves if they lived there, and not thinking about what's going to give you the most bang for the buck in terms of the potential rental return.” — Cynthia Meyer

“Delay of the project inherently always costs money.” — Chad Sovia

Connect with Chad Sovia:

• Website: https://reformconstructiondevelopment.com/
• LinkedIn
• Instagram
• Facebook

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In this milestone 100th episode, Cynthia Meyer, CFA®, CFP®, ChFC® introduces three real estate investor types: the Delegator, the Validator, and the Independent Operator. She explains which strategies tend to fit each style and why your ideal approach may change as your life and portfolio evolve. The goal is not finding the "right" investor type, but building a sustainable portfolio around the way you naturally operate. 

“There isn't any right way to be as an investor. The most important thing is to understand your personal investing style.” - Cynthia Meyer

This week on Real Life Planning Podcast:

💡Why does matching your real estate strategy to your decision-making style matter? [00:03:18] 

💡What separates a Delegator, Validator, and Independent Operator? [00:05:11] 

💡Which real estate strategies work best for a Delegator? [00:07:41] 

💡Why might professionally managed multifamily be a sweet spot for Validators? [00:12:39] 

💡What strategies allow Independent Operators to capitalize on their hands-on strengths? [00:20:40] 

Takeaway Quotes:

“The goal is to make sure that your next investment, your next acquisition, your next 1031 exchange, the next time you deploy new capital, lines up with the type of investor that you really are.” - Cynthia Meyer

“The edge that you have as a real estate investor is your judgment, particularly your financial judgment, and that requires data.” - Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In this episode, Cynthia Meyer, CFA®, CFP®, ChFC®, unpacks the newly enacted 21st Century Road to Housing Act and explains what it means for landlords, homebuyers, home sellers, and real estate investors. She separates the headlines from the practical realities, covering everything from the institutional investor restrictions to new financing opportunities and housing supply initiatives.

If you've been wondering whether this legislation will affect your portfolio or your next home purchase, this episode breaks down what matters now and what may take years to unfold.

“This is mostly an aspirational bill. I don't think it has a significant immediate effect on today's housing market. ” - Cynthia Meyer

This week on Real Life Planning Podcast:

💡How does the new law define an institutional real estate investor, and who does it actually affect? [00:00:38] 

💡What opportunities could smaller real estate investors gain from the new legislation? [00:04:08] 

💡How could zoning reforms and expanded housing development affect future real estate markets? [00:05:10]  

💡What does the legislation mean for homebuyers looking to purchase in today's market? [00:08:05] 

💡How might the new housing law impact home sellers and rental property investors over time? [00:10:03] 

Takeaway Quotes:

“The 350-property threshold is designed to leave mom-and-pop landlords alone.” - Cynthia Meyer

“More housing supply generally means more competition, but it also creates more opportunities.” - Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In this episode, Cynthia Meyer, CFA®, CFP®, ChFC®, shares a practical framework for one of the most common questions real estate investors face. Instead of relying on emotion or rules of thumb, she explains how to evaluate mortgage payoff as an investment decision by weighing interest rates, leverage, liquidity, taxes, and your long-term financial goals.

Whether you're building your portfolio or preparing for retirement, this episode will help you make a decision based on your goals.

“The best financial decision is the one that fits both your numbers and your peace of mind.” - Cynthia Meyer

This week on Real Life Planning Podcast:

💡Why should you think of paying off your mortgage as an investment instead of a savings decision? [00:01:12] 

💡When does paying off a rental property mortgage actually make financial sense? [00:03:11] 

💡Why do many investors choose to keep their mortgages instead of paying them off early? [00:07:51]  

💡How do liquidity, taxes, and leverage affect the payoff decision? [00:09:51]  

💡What questions should you ask before deciding to pay off your rental property mortgage? [00:12:32] 

Takeaway Quotes:

“Real estate investors love leverage because leverage is one of the reasons real estate has historically outperformed over time.” - Cynthia Meyer

“Deciding whether or not to pay down a rental property mortgage is personal. There’s not one rule that applies to everyone.” - Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In this episode, Cynthia Meyer, CFA®, CFP®, ChFC®, explains five key triggers that tell real estate investors it may be time to consider a 1031 exchange. She walks through the financial and strategic indicators that can help you decide whether deferring capital gains taxes could accelerate your long-term wealth-building goals.

Whether you're managing a single rental or a growing portfolio, this episode will help you recognize when a 1031 exchange deserves a closer look.

“You don't need all five triggers. If even one applies to your property, it's time to run the numbers.” — Cynthia Meyer

This week on Real Life Planning Podcast:

💡How does significant property appreciation signal it may be time for a 1031 exchange? [00:02:35] 

💡Why does a declining return on assets matter, even when your property is performing well? [00:05:27] 

💡What happens when your property's depreciation deductions begin to run out? [00:07:04] 

💡Would looming capital improvements influence your decision to sell or exchange? [00:08:09] 

💡When does a market or investment strategy shift make a 1031 exchange the smarter move? [00:09:24] 

Takeaway Quotes:

“A 1031 exchange is not about avoiding taxes. It's about deciding whether now is the right time to defer them.” — Cynthia Meyer

“High appreciation is a wonderful problem to have, but it can also create a significant tax bill.” — Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In this episode, Cynthia Meyer tackles one of the most common questions real estate investors ask: whether rental properties should be held in a limited liability company. She breaks down what an LLC actually does, what it does not do, and why many investors misunderstand the relationship between LLCs, taxes, insurance, and asset protection. 

If you've been told that every rental property belongs in an LLC, this episode will help you think through the legal, financial, and operational tradeoffs before speaking to your tax and legal advisors and making a decision.

“An LLC is primarily a legal protection tool, not a tax-saving strategy. ” — Cynthia Meyer

This week on Real Life Planning Podcast:

💡What is an LLC, and what protection does it actually provide? [00:01:06] 

💡Why do real estate investors use LLCs in the first place? [00:02:43] 

💡Should you hold all your properties in one LLC or create separate entities? [00:04:50] 

💡What corporate formalities must you follow to maintain liability protection? [00:07:20] 

💡When might higher insurance limits be a better solution than an LLC? [00:12:06] 

Takeaway Quotes:

“The LLC only works if you respect the separation between you and the business.” — Cynthia Meyer

“A well-structured insurance plan may provide more practical protection than a poorly maintained LLC.” — Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In this heartfelt solo episode, Cynthia Meyer reflects on the recent passing of her mother, Betsy, and the financial habits that shaped her family's future. From weekly money meetings and disciplined saving to charitable giving and creative frugality, these lessons helped influence Cynthia's path as a financial planner and continue to guide her decisions today. 

“The things we do consistently matter far more than the things we do occasionally.” — Cynthia Meyer

This week on Real Life Planning Podcast:

💡Why should you schedule a weekly money meeting with yourself? [00:00:37] 

💡How can saving consistently help you achieve big financial goals? [00:02:35] 

💡Why is creating a spending plan the key to making priorities happen? [00:04:44] 

💡What can ‘leftover soup’ teach us about resourcefulness and money management? [00:06:15] 

💡Why do small acts of generosity have such a lasting impact? [00:07:46] 

Takeaway Quotes:

“It is important to give a certain amount of what you earn and to say yes to the small requests when you can.” — Cynthia Meyer

“Save first for the things that matter most, and let your spending follow your priorities.” — Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In Episode 94 of the Real Life Planning Podcast, Cynthia Meyer, CFP®, CFA®, ChFC® shares the practical strategies real estate investors use to fund future acquisitions without overextending themselves. From recycling equity and leveraging bonuses to understanding risk tolerance and avoiding dangerous debt traps, this conversation focuses on scaling intentionally, not recklessly.

“Scaling is about strategy, not speed.” — Cynthia Meyer

This week on Real Life Planning Podcast:

💡How do you know if you are financially ready to buy another rental property? [00:00:41] 

💡What leverage ratio makes sense for your stage of investing? [00:01:38] 

💡What are the most common ways investors fund future down payments? [00:03:11] 

💡Why can borrowing down payment funds dramatically increase investment risk? [00:06:12] 

💡How can avoiding lifestyle creep accelerate your path to financial independence? [00:08:17] 

Takeaway Quotes:

“Every down payment strategy comes with trade-offs, risks, and tax consequences. ” — Cynthia Meyer

“You need to stress test your deals based on real life, not best-case scenarios.” — Cynthia Meyer

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

About the Real Life Planning Podcast

Host Cynthia Meyer explores practical steps for real estate investors to build financial freedom and make working for someone else optional.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In Episode 93 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, sits down with Maddy Roche, Chief Growth Officer of Childfree Trust, for an important conversation about estate planning, continuity planning, and aging without traditional next-of-kin support. As more Americans choose to remain childfree, financial and legal planning needs are changing in ways many people have not fully considered.

From medical and financial powers of attorney to long-term care planning and fiduciary support, this episode explores the practical realities of preparing for the future when you may not have family nearby to help.

“Estate planning is not just about death. It is about making sure your wishes are honored while you are still alive.” — Maddy Roche

This week on Real Life Planning Podcast:

💡How does estate planning change when you do not have children? [00:02:07] 

💡What legal documents should everyone have in place before a crisis happens? [00:05:41] 

💡Why do childfree adults need to think proactively about aging and continuity planning? [00:04:25] 

💡What does Childfree Trust do and how can fiduciary services help? [00:09:19] 

💡How could the rise of childfree households reshape housing and community living in the future? [00:20:40] 

Takeaway Quotes:

“The last time you want to make a plan is during an emergency.” — Maddy Roche

“Everybody needs to think about who would make decisions for them if something happened.” — Cynthia Meyer

“We underestimate how much we rely on our own competence to keep life moving forward.” — Maddy Roche

Connect with Maddy Roche:

• Website: https://childfreetrust.com/
• LinkedIn

Connect with Real Life Planning:

• Facebook: https://www.facebook.com/reallifeplanning
• LinkedIn: https://www.linkedin.com/company/real-life-planning
• Bigger Pockets: https://www.biggerpockets.com/business/page/3070
• X: https://x.com/cynthiameyer_ff​
• Instagram: https://www.instagram.com/rentalpropertyclub/
• Pinterest:https://www.pinterest.com/reallifeplanning
• Email: [email protected]  

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.

In Episode 92 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®,  is joined by Dr. Kim Bridges, CFP®, CDFA®, CPWA®,  RMA®,  founder of Bright Women Financial, for a powerful conversation about financial clarity, career decisions, and long-term consequences that often go unexamined. From stepping out of the workforce to the hidden risks women face later in life, Kim shares both her personal journey and the lessons she now teaches clients.

This conversation goes beyond numbers. It is about understanding trade-offs, staying engaged in your financial life, and making decisions today that protect your future options.

This week on Real Life Planning Podcast:

💡How did Kim Bridges’ unconventional career path shape her approach to financial planning? [00:01:02]

💡What are the long-term financial risks of stepping out of the workforce? [00:04:39]

💡How can families balance career, caregiving, and financial independence? [00:08:47]

💡Why do so many financial plans fail later in life, especially for women? [00:12:55]

💡What practical steps can you take now to build clarity, confidence, and control over your money? [00:17:34]

Takeaway Quotes:

“When you stop contributing to retirement and Social Security, the long-term impact is bigger than most people realize.” — Kim Bridges

“Avoiding your financial reality does not change it. It only limits your options later.” — Kim Bridges

Connect with Kim Bridges:

• Website: https://brightwomenfinancial.com/
• Facebook
• LinkedIn

Connect with Real Life Planning:

• Facebook
• LinkedIn
• Bigger Pockets
• X
• Instagram
• Email: [email protected]  

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

The ReaL Life Planning Podcast  is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.

Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.