Sage Money Conversations with Barbara Norman CFP®

Carlie Berke -

Sage Money Conversations with Barbara Norman -

Episode 019: Sensible Divorce Decisions -

Divorces are not only emotionally exhausting, they can be financially draining. Over the course of such a trying procedure, you need someone in your corner who can help you best hang on to your assets and money, and keep the process as quick and painless as possible. On this week's show, Barbara interviews Carlie Berke, CDFA, CVA, who breaks down not only the valuable financial information you'll need to know before getting divorced, but also, who you'll need to consult at which stage of divorce proceedings, and the many case-by-case scenarios that she's seen unfold in her long and accomplished career helping divorcees save their money.

Carlie Berke is the Founder of Your Money Advocate and is a Certified Divorce Financial Analyst ("CDFA") and a Certified Valuation Analyst ("CVA"). Ms. Berke has worked on over 250 marital dissolution cases that were predominantly settled through alternative dispute resolution, in addition to providing expert witness testimony. Her experience in the field of marital dissolution includes business and asset valuation, income and expense analyses, separate property tracings, executive compensation and related equity awards, commercial and residential real estate economic analyses. She also has a unique background related to dividing alternative investment assets in marital dissolutions. Ms. Berke brings over 35 years of experience in finance with extensive expertise in valuation, financial modeling and budgeting and distilling and presenting complex financial analyses. She has structured and raised over $3 billion of equity and debt securities in both the public and private markets including IPO's, corporate bonds, secured debt, structured finance, preferred stock, Master Limited Partnerships and has advised on a number of mergers and acquisitions. She managed $1.3 billion of commercial real estate assets for pension funds, institutional funds, family offices, endowments and foundations. Ms. Berke was named Vice President of Finance of a multi-billion dollar publicly traded REIT. She is an alternative assets specialist such as private equity, venture capital, hedge funds and real estate partnerships to name the key types. -

Connect with Carlie:

WEBSITE: https://yourmoneyadvocate.net/

LINKEDIN: https://www.linkedin.com/in/carlieheadapohl/%20

YOUTUBE: https://www.youtube.com/results?search_query=carlie+headapohl

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Amanda Singer -

Sage Money Conversations with Barbara Norman -

Episode 018: Simplify Your Divorce -

Litigating your divorce can be highly emotional and very expensive. Even worse, when a couple ends up in court, they are delegating critical decisions to a total stranger who doesn't know the family. Amanda teaches us about mediation and pre-marital agreements, and how these tools can gracefully get us through the uncoupling process and on to the next chapter of our lives.

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Amanda Singer is co-owner and professional family mediator of West Coast Family Mediation Center, located in San Diego and serving clients throughout California. Amanda is a licensed attorney, an APFM Certified Advanced Practitioner Mediator and Certified Divorce Financial Analyst with a Masters in Dispute Resolution from the Straus Institute for Dispute Resolution at Pepperdine University School of Law. She works with clients who are going through divorce, getting married or dealing with other family conflicts through mediation. Amanda is also the current Vice President of the Academy of Professional Family Mediators (APFM).

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Listen to this information-packed episode of Sage Money Conversations, full of financial tips to consider when entering a marriage, or getting divorced.

Connect with Amanda:

WEBSITE: https://westcoastfamilymediation.com/

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

TWITTER: https://twitter.com/divorce_ca

YOUTUBE: https://www.youtube.com/channel/UC6V_SZbWzN21ZBZPviZJgzQ

LINKEDIN: https://www.linkedin.com/company/west-coast-family-mediation-center/

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Laura McGee -

Sage Money Conversations with Barbara Norman -

Episode 017: So, You're Thinking About Getting Divorced... -

If you are thinking about making this crucial life change, then it's important to consider the financial and emotional endeavors you will be taking on. Learn how to prepare and what critical documents you should gather before you drop the news. Laura's coaching expertise will help you get ready as she talks about entering the process with right intention and how to build a critical support system for yourself.

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Laura McGee, J.D., is the founder of Leave Strong Divorce Services. Laura's inspiration for creating Leave Strong Divorce Services in 2011 was her own costly experience with a traditional litigated divorce in North County. Her search for cost-effective divorce support turned up few options, so she decided to put her years of legal training and personal experience to work for others by establishing the kinds of divorce services she had been seeking. Laura mediates over 60 divorces a year for couples in the San Diego area and coaches individuals contemplating divorce or using other mediators so they are prepared for their negotiations ahead.

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Listen to this information-packed episode of Sage Money Conversations, full of essential financial tips for the process of getting divorce.

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Connect with Laura:

WEBSITE: https://www.leavestrong.com/

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

FACEBOOK VIDEOS: https://www.facebook.com/LeaveStrong/videos/1699196743426308/

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Melina Rissone -

Sage Money Conversations with Barbara Norman -

Episode 016: Mindful Home Buying -

Home buyers seems to have a checklist for what they want in a home:

• 3 bedrooms / 2 bathrooms - check.

• Schools - check.

• Whatever else - check.

Melina tells us how to get past the mind-numbing process of searching for a home and to look deeper into what makes us happy. Learn to connect your personal story to your next new home and engage with your new neighborhood. This is a delightful journey into home buying!

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Melina Rissone is an associated real estate broker, mom to an 11 year old girl and German Shepard pup. She is a lover of nature, camping and being outdoors. She is passionate about supporting people to make their lifestyle come true by creating a real estate environment with purpose. Her Motto is: "who you work with matters."

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Listen to this information-packed episode of Sage Money Conversations full of things to consider when buying a home.

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Connect with Melina:

LINKEDIN: https://www.linkedin.com/in/melina-rissone-9133955/

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

INSTAGRAM: https://www.instagram.com/melinarissone/?hl=en

YOUTUBE: https://www.youtube.com/channel/UC309TSaVK1PfR75VO4up8OQ

YELP: https://www.yelp.com/biz/melina-rissone-sdpropertyfinder-inc-san-diego

ZILLOW: https://www.zillow.com/profile/mrissone/

HOME SELLERS E-GUIDE: https://www.simplifyingthemarket.com/en/sellers/?a=280643-6b2241359c798b5676bc249a3f33efd7

Melina Rissone, Associated Real Estate Broker with Coldwell Banker West

DRE 01498140

Cell 619-865-6017

https://sdpropertyfinder.com/

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Kelley Owens

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Sage Money Conversations with Barbara Norman, CFP®

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Episode 015: How I Paid Off Crippling Debt

Kelley and her husband paid off over $300,000 of student loans, while still being able to invest and have fun along the way. Did I mention that she also has young kids? Learn how Kelley dug her way out of crippling debt and what it did for her life and her attitude. Her journey is an inspiration and a great lesson for taking responsibility for your choices and learning to love life.

Kelley graduated cum laude from the University of Southern California in 2005 and received her law degree from the University of San Diego in 2008. She practices law in San Diego, California and where she serves as a real estate attorney for public entities. She has been in practice for 13 years and is the chair of her firm's Business & Real Estate practice group. Kelley has a passion for mentoring newer lawyers on topics of work-life balance, practice management, and personal finance. Through her own student loan journey, Kelley found the Oola Green Gap, and now she wants to share her story in the hopes that it can help other attorneys who are buried in debt and thinking there is no good way out. Kelley is a huge fan of the Oola Lifestyle Framework, as the program has helped Kelley tremendously in balancing motherhood, legal career, self-care, and all the things!

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Kelley graduated cum laude from the University of Southern California in 2005, and received her law degree from the University of San Diego in 2008.

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Connect with Kelley:

WEBSITE: https://f3law.com/attorneys/kelley-a-owens/

LINKEDIN: https://www.linkedin.com/in/kelley-owens-88826a6/

TWITTER: https://twitter.com/f3law

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Vladan Trifunovic -

Sage Money Conversations with Barbara Norman, CFP® -

Episode 014: Why Your Best Friend is Your P&C Agent -

You've had an accident. It happens. Did you know that they way you talk to your adjuster will affect how your claim gets (or does not) get paid? I never call an adjuster unless I talk to my agent first. Listen and learn why! This episode holds lots of surprises about the nuances of property and casualty insurance.

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Connect with Vladan:

WEBSITE: https://www.statefarm.com/agent/us/ca/san-marcos/vladan-trifunovic-xxlkl5dc9ak

LINKEDIN: https://www.linkedin.com/in/vladan-trifunovic-30338610/

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

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

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Bertha Edington

Sage Money Conversations with Barbara Norman, CFP®

Episode 013: Marriage and Money: Do You Know Where the Money Is?

Not all marriages are transparent and loving. In this episode we get a glimpse into Bertha's marriage and the disaster that can occur when a woman does not actively participate in the family finances.

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This is a cautionary tale for anyone who lets their spouse do it all.

Bertha is a longtime marketing executive with high-tech startups, international corporations, advertising agencies and marketing firms. Bertha has successfully created everything from new websites to lead generation campaigns to brand development programs. Her efforts have significantly contributed to the market awareness and sales growth of her client's organizations.

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Listen to this information-packed episode of Sage Money Conversations about how to bounce back from difficulties in love and business.

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Here is what to expect on this week's show:

• Bertha's story of how her financial future was derailed in her marriage.

• How to rediscover your happiness and independence after a divorce.

• What Bertha would tell a younger version of herself, if she had the chance.

• The importance of building a community to fall back upon in trying times.

• Bertha's favorite piece of advice

Connect with Bertha:

WEBSITE: https://www.getmarketinginfluence.com/blog/author/hillcrestgal/

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

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

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Arch Fuston -

Sage Money Conversations with Barbara Norman, CFP® -

Episode 012: Growth is an Inside Adventure -

Take an adventure of the mind. Self-limiting beliefs can hold us back in life. Discover how to create an awareness, release fears and pattern, and find fulfillment. -

Arch Fuston is the founder of Arch Fuston Coaching. Arch partners with people seeking to discover their sense of identity and grow their self-esteem. Whether it's getting your self-worth to exceed your net-worth, building a better relationship with stress and anxiety, and/or accurately uncovering what you truly value in life and becoming it, Arch guides you to it. Arch contributes as a certified leadership coach, a Mental and Emotional Release Master Practitioner, and a Certified Stress Mastery Educator. He has his MEh.D. from the school of life, and is currently on his own path to becoming a coveted Certified Self-Concept coach.

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Listen to this information-packed episode of Sage Money Conversations about personal growth, and living a more fulfilling life.

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Connect with Arch:

WEBSITE: https://www.archfuston.com/

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

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

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Miguel Nunez -

Sage Money Conversations with Barbara Norman, CFP® -

Episode 011 – Secrets for Getting Paid Top Dollar for Your Home & Navigating Probate -

Miguel is not your typical realtor. It's not about selling a home. Rather, it's about getting top dollar for the least amount of angst. He uses his civil engineering and construction management to assess whether a house should be fixed up or sold as-is. He is a former private Fiduciary and he specializes in probate real estate and helping beneficiaries to navigate the court system. You'll want to listen to the end, as he reveals his secrets for how he gets buyers into heated bidding wars and prevents post-offer negotiations.

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As a Realtor, Miguel Nunez and his team at Miguel Nunez & Associates specializes in probate and trust real estate sales. The Trustees, Trust Officers, Fiduciaries and Attorneys he has partnered with over the past 23 years have found that Miguel's professional background as a former private Fiduciary lends a unique understanding to the complexities of the disposition of residential and commercial real estate where trusts and probate are a consideration. Miguel's early career as a licensed Civil Engineer with a Master's in Construction Management also brings a keenly experienced and knowledgeable eye to the assessment and valuation of client properties. Serving over ten years as a Private Fiduciary, further increased his understanding of the Probate process, pitfalls and court dynamics. When undertaking the selection of a Realtor, the depth and breadth of information he provides clients facilitates the due diligence process with the Beneficiaries, Estate Attorneys, Private Fiduciaries and the Courts. His firm also assists clients with readying properties for sale with the many licensed handymen, cleaning crews, estate sales teams, locksmiths, hauling and contractors, etc., that we have long-standing relationships with. What truly distinguishes Miguel Nunez & Associates is the ability to streamline the real estate disposition process while providing a concierge-level experience, freeing up clients' time to focus on their clients' other demands and issues.

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This episode of Sage Money Conversations offers Miquel's unique approaches to real estate and what to expect when real estate is in probate.

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Here is what to expect on this week's show:

What to expect when the family home is in court.

The two types of probate sales, and how to tell which one is right for you.

Miguel outlook on the current housing market.

How to get the most from the sale of your home.

What to look for when hiring a good realtor.

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Connect with Miguel:

WEBSITE: https://mnateam.com/

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

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

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

YOUTUBE: https://www.youtube.com/channel/UC0BsIUIQVU5dZZsTh3MWU5A

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Tom Horvath -

Sage Money Conversations with Barbara Norman, CFP® -

Episode 010: Dealing With Family Addiction -

Addiction can be financially devastating, it can destroy a life, and it can tear a family a part. It's typical for addicts to attend numerous and expensive treatment programs to no avail. In this revealing episode, Dr. Tom Horvath tells us why the traditional approaches to addiction do not work and he offers alternative ways to treat addiction, talk with our loved ones, and create a happier home life.

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Dr. Horvath, author of Sex, Drugs, Gambling & Chocolate: A Workbook for Overcoming Addictions, has specialized in addictive problems since 1985. He is a California licensed (PSY7732) and board-certified clinical psychologist. He is the founder and president of Practical Recovery Psychology Group in San Diego. He is the past president of the APA's Society of Addiction Psychology where he led Division 50, the world's largest group of addiction psychologists. He instructed graduate addiction courses at Alliant International University and the University of San Diego. For 20 years he served as the president of SMART Recovery, an international foundation that sponsors free meetings for science-based addiction treatment, self-empowerment training, and support groups. He continues to serve on SMART's US board of directors, and the Global Research Advisory Council for SMART Recovery International. He is a fellow of the San Diego Psychological Association, ABCT and APA.

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On this episode of Sage Money Conversations, learn about Dr Horvath's unique approach to breaking addictions and techniques for forming happier life choices.

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Here is what to expect on this week's show:

Rat Park. Learn what this study reveals about errors in the scientific studies on addiction.

Why rehab isn't a one-size-fits-all solution.

Communication tips for how to take the "heat" out of conversations.

Learn what "Smart Recovery" can do for you or your loved one.

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Connect with Tom and Practical Recovery:

WEBSITE: https://www.practicalrecovery.com/

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

TWITTER: https://twitter.com/PracticalRecov

PINTEREST: https://pinterest.com/practicalrecov/

INSTAGRAM: https://instagram.com/practicalrecoverysd

YOUTUBE: http://www.youtube.com/user/PracticalRecoveryInc/feed

LINKEDIN: https://www.linkedin.com/in/tom-horvath-81959a69/

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