Seven Figures: Smart Money Strategies for Women with Sandy Waters

Thriving in the Workplace and How to Overcome Underearning- with Erica Cummings Yes, we've all heard the news stories and we've seen the statistic that show women still earn less than their male counterparts. The culture is changing, more and more companies are consciously attempting to level the playing field. Hire a more diverse leadership. But it's going to take time, it is going to be a slow gradual shift. Don't wait for your company/industry to catch up. You are a woman who works hard, you are talented YOU need to be proactive and make the first move. If you strive to be higher up on the chain of command or you desire to earn more respect and more money here's what you need to do. Erica has put together10 different ways we can "show up" and better position ourselves to succeed at work Each month we'll focus on one step at a time. Starting with "Be your authentic self" You can reach out to Erica https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/contact Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.

When was the last time you looked over your Estate Plan? Wait, you don't have one? It's ok you're definitely not alone. I bet a lot of people listening to this episode don't have one. Many of you may have started the process and just never finished. Thoroughly planning what is going to happen when you die, yes can be a bit of a downer but it so important for you take the time to do it. Having a well thought out Estate Plan will give you peace of mind that everyone you love will be taken care of. Elder law attorney From Harris Beach Lisa Powers joins the conversation today. Breaking down the ways you can start the process and how much of an investment can you expect it to be. Cheers to being a financially confident woman! If you have any questions about Estate planning you can reach out to Lisa Powers: https://www.harrisbeach.com/bio/powers-lisa-m/ If you have a topic you want us to cover on the show just let me know [email protected] Quick favor, subscribe and leave us a review if you're listening on a podcast app.That' would be awesome. (it makes me look good to the big bosses here) See omnystudio.com/policies/listener for privacy information.

The changes to the SECURE Act will Jill Schlesinger This week I thought I'd share with you a conversation that we had a few weeks ago on the radio morning show I cohost "Spezzano and Sandy" 98.9 The Buzz.  It was a conversation that a lot of our listeners took interest in. CBS News Business Analyst Jill Schlesinger was on the air with us talking about the changes to the SECURE Act.  Whether or not any of these changes directly impact you, it's always good to stay on top of what's going on with your retirement plan.  Here's where you can follow Jill, read up on her latest blog or pick up her book "Dumb things Smart People Do With Their Money" https://www.jillonmoney.com/ See omnystudio.com/policies/listener for privacy information.

The Biggest Surprise in Retirement with Steve Hausmann For many of you, if not all of you, retirement is a goal you are working towards. Some people have an age in mind of when they want to retire. Others, are all about growing their money to a certain amount where they feel comfortable walking away from their day job. We all have a picture in our minds of what that day will be like. Is it what we imagine? Freedom. Minimal stress. More time. Today, we chat with legendary broadcaster, a close friend of mine, Steve Hausmann who just retired after 51 years in the business. Steve was one of the very first people I worked with in radio when I first started at age 18. A very fun guy. A guy you never thought would retire. He candidly talks with us about how he decided now was the right time. The biggest surprise in retirement. His biggest regret and of course with age comes wisdom, he'll give his best piece of advice for anyone who has a goal of retiring someday. Reach out to Steve or learn more about his new business (I told you he's a guy who will never fully retire) Haus Calls Productions  https://www.facebook.com/HausCallProductions/ Cheers to being a financially confident woman! See omnystudio.com/policies/listener for privacy information.

The 3 Ps Every Woman Should Have in Her Wardrobe with Alyssa Whitfield Founder and CEO of Dress for Success Rochester The power of having confidence goes a long way. Yes, money and confidence are interchangeable. The more confidence you have, many will argue, the more money you'll make. I'm sure you've heard it before, most people get 90% through a project and then just quit. That final 10% to create something extraordinary is where you need to lean on your confidence. Dig deep and believe that you got what it takes to go that last and final mile. But in life, things happen and sometimes we lose our confidence along the way. Whether it's a job loss, divorce or other confidence crushing moment. Alyssa Whitfield and her team at Dress for Success Rochester are dedicated to building women back up and getting them prepared and ready for their career step. Alyssa is just fantastic! She is a woman who energizes and owns any room she walks into. How does she do it? She will teach us her secrets today. -How to feel confident in an intimidating setting ( Yes, that includes the boss's office asking for a job or pay increase) -And of course the founder of Dress for Success can't be on the show without telling us they key pieces we all need to have in our closet. Alyssa calls it the "3 Ps" every woman should have in her wardrobe. You can reach out to Alyssa Whitfield and learn more about Dress for Success here: https://rochester.dressforsuccess.org/ Cheers to being financially confident women! See omnystudio.com/policies/listener for privacy information.

The 3 Ps Every Woman Should Have in Her Wardrobe with Alyssa Whitfield Founder and CEO of Dress for Success Rochester The power of having confidence goes a long way. Yes, money and confidence are interchangeable. The more confidence you have, many will argue, the more money you'll make. I'm sure you've heard it before, most people get 90% through a project and then just quit. That final 10% to create something extraordinary is where you need to lean on your confidence. Dig deep and believe that you got what it takes to go that last and final mile. But in life, things happen and sometimes we lose our confidence along the way. Whether it's a job loss, divorce or other confidence crushing moment. Alyssa Whitfield and her team at Dress for Success Rochester are dedicated to building women back up and getting them prepared and ready for their career step. Alyssa is just fantastic! She is a woman who energizes and owns any room she walks into. How does she do it? She will teach us her secrets today. -How to feel confident in an intimidating setting ( Yes, that includes the boss's office asking for a job or pay increase) -And of course the founder of Dress for Success can't be on the show without telling us they key pieces we all need to have in our closet. Alyssa calls it the "3 Ps" every woman should have in her wardrobe. You can reach out to Alyssa Whitfield and learn more about Dress for Success here: https://rochester.dressforsuccess.org/ Cheers to being financially confident women! See omnystudio.com/policies/listener for privacy information.

The Fine Print of Investing with CFP Erica Cummings It's 2020 You may have said it to yourself that THIS year is THE year you are going to take control of your finances. Great! Yes, at first it might feel a bit daunting and overwhelming, but no worries we've designed these podcast episodes to make it easy to understand and follow. The first Friday of every month CFP, VP at Morgan Stanley Erica Cummings will be our guest.  Erica has been in the financial business for well over a decade. Her passion is to educate people, especially women about finances. Lack of financial understanding leaves you vulnerable to the people who are pitching a product or selling you their "perfect financial strategy." Sometimes it is a good product or strategy. But how do you know for sure? When is it too good to be true? This month, Erica focuses on the fine print of investing. From basic savings accounts to CDs to investing in the market here's the expectation. Cheers to being financially confident women! To learn more about Erica and her free workshops: https://advisor.morganstanley.com/erica.cummings See omnystudio.com/policies/listener for privacy information.

88 years of Financial Wisdom with Pat Ward-Baker The “Wall Street Wordsmith,” stockbroker, named 1 of the 10 most stylish Rochesterians, PhD in gerontology. 88 years young Pat Ward-Baker says she “Loves to talk about the field of how to make money.” Ever since she was a little girl, she took interest in her father’s passion for investing. Which later lead her to be one of the first female institutional sales professionals in the country. Selling investments to banks and other big companies. Today, we are going to soak up as much of Pat’s wisdom as we can. Including how she stays young. Enjoy the conversation. Cheers to being a financially confident woman! Learn more about Pat: http://www.patwardbaker.com/about-pat/ See omnystudio.com/policies/listener for privacy information.

It's the first Friday of the month and if you're a frequent listener of the podcast you know that means CFP, VP at Morgan Stanley Erica Cummings joins the conversation again. Erica has laid out the monthly plan for success. For all of you who have been diligently following along, we hope you're in a better place with your finances. Have a better understanding of what's going on and that you are more proactive with your future goals. As we finish up the year, this month Erica wants to make sure you don't fall prey to the "The 4 Biggest Mistakes Investors Make." These mistakes can possibly set you back and slow down your financial momentum. These are mistakes that even the most savvy investor is tempted to make. Cheers to being financially confident women! To reach out to Erica Cummings: https://advisor.morganstanley.com/erica.cummings See omnystudio.com/policies/listener for privacy information.

A little extra gift for you this week. As many of you know I also host a radio morning show "Spezzano and Sandy" on 98.9 The Buzz. CBS News Business Analyst Jill Schlesinger is on the show with us every week. This week Jill brought up a very important topic that I felt all of you should be aware of too. There has been an uptick in Charity Scams lately. Here are the scams to watch out for See omnystudio.com/policies/listener for privacy information.