Sage Money Conversations with Barbara Norman CFP®

Refinancing a home after a divorce is challenging. It may be do-able if you understand the critical steps and the nuances of the mortgage lending process. Zach Taylor has over 30 years in the mortgage business, and he specializes in divorce lending. Zach shows us how you may be able to keep your home in the divorce.

Zach has 30 years of experience with a specialty in divorce related lending.

He has been speaker and panelist at many conferences and workshops put on my various organizations of divorce professionals including (Southern California Mediation Association) the SCMA /Family Mediation Institute and NCRC (National Conflict Resolution Center). He has done hundreds of divorce related mortgages and has attended many workshops to learn all about the divorce process, which makes him better at helping people with separating their property. His office is in Encinitas CA with ability to do business in multiple states. He is married for the past 30 years to Jenny and has two kids Kelsey and Colton in their Mid-20.

Connect with Zach:

Website: https://www.changemtg.com/

#Mortgage #Divorce #InterestRate #Lender #Loan #Credit

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Alan Baskin, CPA, EA of Baskin of Baskin & Associates in Poway, CA

Real estate taxes are complex. Taxes can vary by age, marital status, and personal circumstances. Don't be surprised by an un-anticipated tax bill or overlook a tax code that could benefit you. Al Baskin CPA, EA, un-wraps some of the rules and nuances of the tax code, and more specifically, the California codes.

#RealEstate #Taxes #CapitalGainsTaxes #RealEstateTaxes #PropertyTax

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Taxes may be stressful, but they don't have to be complex. In this episode, Anne Burns, CPA gives us 'tax primer' and offers a few tax tips you may like. If you a person who never reads a tax return, but wants to be more pro-active, then this is your episode!

Anne Burns provide high quality tax preparation, planning, and related consulting services. Her primary focus is providing such services to individuals who are business owners/executives or real estate owners and their related entities (S Corporations, Limited Liability Companies, Partnerships, C Corporations). Anne also has a specialty in trust & estate taxation (Forms 1041 and 706) including trust funding elections and issues.

Anne graduated from San Diego State University with her bachelors in Accounting. Anne has been certified as a CPA in California since April 2008. Anne is a member of the AICPA, CalCPA, USD Planned Giving Council and North County Estate Planning Council. Anne has lectured on the risks of Elder Financial Abuse and income tax basics.

Connect with Anne:

Website: https://www.stremlauburnscpas.com/

LinkedIn: https://www.linkedin.com/in/anneburnscpa/

#Taxes #TaxBrackets #Deductions #PropertyTaxes #TaxCredit #RothIRA #CapitalGains

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Life is short. Rather than thinking and dreaming about travel, it's time to do it! Michelle Barth, owner of Just Escape Travel, gives us lots of tips for how to plan, reduce travel stress, and create lasting memories. I'm sending her bonus travel hugs for the list of apps she reveals in our podcast.

Chief Escape Organizer Michelle Barth – has 11 years of experiences being a Travel Specialist, having explored 45 countries over 6 continents.

Michelle received a Travel and Tourism Degree from California Polytechnic at San Luis Obispo. She began her career working as a Travel Specialist with award winning travel agencies. During this time, she realized there was a need for providing truly customized travel itineraries that focused on quality instead of quantity.

Just Escape Travel® was launched in September 2015 specializing in creating truly custom, one-of-a-kind experiences. Michelle is constantly seeking out new destinations, experiences, and expert partners to encourage our travelers to "Escape the Ordinary". She wants to change the way people travel.

Michelle embraces the Southern California lifestyle! She enjoys practicing yoga and spending time at the beach with her fiancé and her four-legged daughter Billie Jean.

Connect with Michelle:

Website: https://justescapetravel.com/

Mention code TravelMore to waive Just Escape Travel's Initial Design Fee. Valid thru December 31, 2022.

#Travel #TravelApps #InternationalCoverage #SafetyTravelTips #TravelInsurance #BudgetingForTrips #TipsForYourTrips

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Traveling on points takes a little bit of know-how but has huge rewards! Learn how Mike, a 'points-chaser,' earns and maximizes travel points on his credit card, and how he trades them in for amazing trips and vacations.

#Travel #TravelPoints #Points #Credit #CreditCard #HowToPlanYourTrip

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Love to travel, but afraid to go it alone? The world is your oyster, and we think you should go for it! Learn how our friend, Kathy Martin, a retired travel enthusiast plans her trips and the resources she uses. Enjoy!

Kathy Martin is having the time of her life! After retiring from healthcare information systems, she has followed her passions for travel, fitness and volunteer opportunities. She has gone on six trips with Road Scholar as a solo traveler and with a friend. Yoga has become a focus along with helping out at food banks, reading tutoring with first graders and making/bottling wine.

Links Mentioned:

https://travel.state.gov/content/travel.html

#Travel #WomenWhoTravel #Food #TipsforTraveling #HarvestHost #SoloTravel

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We all make mistakes. The 5 F* Words are critical concepts designed to inform and guide you on your investing and planning path. I think you will be surprised to learn what they are.

Barbara Norman began her career in the Financial Services Industry in 1986. She is the CEO of Sage Path Solutions, a boutique firm that offers wealth management, and financial and tax planning. She is a fee-only advisor and adheres to the CFP® Board's strict fiduciary standard of putting her customer's need first. Barbara is the Founder of the Women's Financial Academy, an educational foundation. She hosts a weekly podcast, Sage Money Conversations, where she explores money, common mistakes, misconceptions, and taboo topics. She is a graduate of UCSD, a Certified Financial Planner™, a Chartered Financial Consultant, and a Certified Divorce Financial Analyst. Barbara is a professionally trained speaker and storyteller and enjoys taking complex topics and making them easy to understand and relate to.

#The5FWords #FinancialPlan #FeeOnly #Fiduciary

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No one teaches this stuff! What is a stock and what is a bond? How do advisors get paid and how do fees work? The financial services industry is complex and it lacks transparency. Be prepared to participate in conversations with your advisors.

Barbara Norman began her career in the Financial Services Industry in 1986. She is the CEO of Sage Path Solutions, a boutique firm that offers wealth management, and financial and tax planning. She is a fee-only advisor and adheres to the CFP® Board's strict fiduciary standard of putting her customer's need first. Barbara is the Founder of the Women's Financial Academy, an educational foundation. She hosts a weekly podcast, Sage Money Conversations, where she explores money, common mistakes, misconceptions, and taboo topics. She is a graduate of UCSD, a Certified Financial Planner™, a Chartered Financial Consultant, and a Certified Divorce Financial Analyst. Barbara is a professionally trained speaker and storyteller and enjoys taking complex topics and making them easy to understand and relate to.

#Investing #Cash #Bonds #Stocks #Budgeting #MutualFund #GrowthFund #TaxEfficiency #Fees #ManagmentFees #FindingTheRightAdvisor

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Reconnect to the beautiful parts of yourself. In her 8-step process, The Bridge, Melissa shares the value of slowing down, looking at our priorities, and allowing ourselves to live the life that makes us whole and happy. Tune and learn to connect to your heart.

Melissa Bauknight is a multi-passionate entrepreneur, adventurer, mother, wife, and a Business and Life Coach. As a collegiate athlete, she graduated magna cum laude with a BA in Finance and has since earned an applicable Ph.D. in Life.

She garnered over 15 years of sales and business development experience in the corporate world working across 6 states and consistently performing in the top 10% of her peers. Having checked many boxes on her life goals list - traveling the world, achieving corporate success, marrying a loving husband, and starting a family, she still felt anxious and incomplete. She knew there were untapped parts of her soul longing to be unleashed. Melissa chose to boldly follow that inner knowledge leaving her corporate career and went on to be in the top 1% of a social impact direct sales company, build a coaching business at The Ripple Connection, and coach over 1,000 women in sales, mindset, and life alignment. She is a living example of her own body of work and is a vision holder for other women to confidently take the leap to make the difference they know they're here to make. As a soul whisperer, Melissa ignites heart-led female leaders to embody their purpose and bravely design a business and life on THEIR terms! One of the ways in which she does this is by creating a signature path for women to bring their dream businesses to life. She ensures that the work you do is in alignment with who you are. Her purpose is to help women break free of the conditioning that keeps them fearful of following their own dreams while creating an abundance of everything - money, flexibility, impact, and time for themselves. As a result, she attracts high-achieving women who are done living life on other people's terms and are ready to unleash their feminine power.

Connect with Melissa:

WEBSITE: https://www.therippleconnection.com/

FACEBOOK: https://www.facebook.com/therippleconnection

INSTAGRAM:https://www.instagram.com/therippleconnection/?fbclid=IwAR0jMbfO0g7odwsiyETI4YDYHFz2LBJbCHXqTXGJUfcbrR1i_CrU_7KY4Q4

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Navigating the needs of the world can be daunting. How can we be sure our chartable giving has the greatest impact? Radha Friedman, a Philanthropic Advisor, helps us create thoughtful and effective strategies for planned giving, and she offers tools we can access to help us evaluate charities.

Radha Friedman is a philanthropy and social impact advisor on a mission to encourage investing in women and girls, especially women of color, women who are LGBTQ and women with disabilities. She has been working to advance gender equality for over 20 years and has seen firsthand that how people use their finances—where they spend, invest, and donate—can be a powerful act of social change. She created Radha Friedman Consulting to help deepen social impacts and show up for the people, communities and causes that matter. This is a space to work together to build a world where women (including trans, non-binary and gender non-conforming folks) have equal rights, power and resources to all thrive together.

Connect with Radha:

WEBSITE: https://radhafriedman.org/

FACEBOOK: https://facebook.comhttps//www.facebook.com/Radha-Friedman-Consulting-2051402751820127

TWITTER: https://twitter.com/radhafriedman

INSTAGRAM: https://www.instagram.com/radhacal_good/

LINKEDIN: https://www.linkedin.com/in/radhafriedman/

YOUTUBE: https://www.youtube.com/channel/UCeJ1CxEnG-toMyt6UbBMK1Q

PODCAST: https://open.spotify.com/show/2nQq0f2nUEJus6HNyyaniE?si=103d3309d0e248da

LINKTREE: https://linktr.ee/radhafriedman

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