Women on Wealth, By Women For Women

Estate planning is about more than just having a will. It's about protecting your family, preserving your wishes, and making sure your plan actually works when it's needed most.

In this episode of Women on Wealth, Julina Ogilvie welcomes estate planning attorney Stephen Napier, Partner at Berkowitz, Trager & Trager, to explore three essential questions everyone should ask when creating or reviewing an estate plan. From choosing the right decision-makers to understanding probate and aligning beneficiary designations, this conversation offers practical guidance to help you plan with greater confidence.

Episode Timeline

• 01:47 – Question 1: What happens if you don't have an estate plan or yours is outdated?
• 07:25 – Understanding probate and how it differs by state
• 12:01 – Why your financial advisor, attorney, and accountant should work together
• 13:50 – When to update your estate plan
• 15:12 – Online estate planning documents vs. working with an attorney
• 18:01 – Question 2: Who should you choose to make decisions for you?
• 22:12 – Family dynamics and common mistakes when choosing decision-makers
• 25:44 – Question 3: Will your estate plan actually work as intended?
• 29:30 – Why beneficiary designations and account titling matter
• 34:24 – Overcoming the emotional challenges of estate planning

Connect with Julina Ogilvie:
Website

YouTube

LinkedIn

Email- [email protected]

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

The college process has changed dramatically, and for parents, the financial stakes have never been higher. In this episode of Women on Wealth, Julina Ogilvie sits down with Shellee Howard, founder and CEO of College Ready, to discuss how families can navigate college admissions without losing sight of the bigger financial picture.

From FAFSA and scholarships to choosing the right school and major, Shellee shares strategies to help students find their best fit, minimize debt, and make smarter decisions about their future.

Timestamps:

01:12 – Shellee’s story and how College Ready began
05:12 – The money “aha” moment: looking at college as an investment
07:13 – Four children, four very different college paths
10:57 – What parents of high school seniors should be doing now
13:12 – Dream, target & safety schools—and overcoming fear of rejection
16:18 – Why applying to college is so different than it was 20–30 years ago
18:05 – How involved should parents be in the process?
20:42 – FAFSA: what families need to understand
23:12 – Financial aid when you think you make “too much money”
23:54 – The four different buckets of college money
25:16 – How to approach scholarships strategically
28:21 – College savings, assets & financial-aid considerations
31:07 – Finding merit scholarships—and avoiding scholarship scams
34:36 – Understanding what a college will really cost
35:15 – Negotiating and requesting reconsideration of financial-aid offers
36:57 – “Who are you?” before “Where are you going?”
38:11 – Connecting strengths and interests to careers and majors
39:23 – Why your intended major can change the college decision
42:27 – How much student debt is too much?
43:40 – Why parents should think twice before sacrificing retirement
45:00 – Understanding different types of student loans
46:31 – The question every family should ask about employment after graduation
48:01 – Student-loan forgiveness and the danger of making assumptions
51:35 – Shellee’s resources for families

Connect with Julina Ogilvie:
Website

YouTube

LinkedIn

Email- [email protected]

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

Caring for aging parents while raising children, managing a career, and planning for your own financial future can feel overwhelming. Estate planning attorney Candace Dellacona joins Julina Ogilvie to discuss the unique challenges facing the Sandwich Generation and how thoughtful planning can help families navigate them. From starting difficult conversations with aging parents to powers of attorney, trusts, caregiving, and protecting your own financial future, Candace shares practical steps families can take before a crisis occurs.

Timestamps

1:58 – What is the Sandwich Generation, and who does it include?
3:47 – Why caregiving responsibilities can sneak up on families
6:19 – The financial and emotional realities of caring for aging parents
7:36 – The biggest mistake families make
9:11 – Conversations and estate planning documents every family should consider
12:10 – Probate, trusts, and why planning differs by state
14:54 – Warning signs that an aging parent may need help
17:30 – How to approach a parent who insists, “I’m fine”
20:19 – Siblings, family dynamics, and deciding who should take the lead
22:49 – Why a power of attorney is so important
25:01 – Don't forget your own estate plan, and documents for children turning 18
27:03 – Why financial advisors and estate planning attorneys need to work together
28:27 – A common trust mistake: creating it but never funding it
30:31 – How proper planning can help prevent family conflict
32:43 – Why women so often become the default caregiver
34:51 – The financial impact of caregiving on women, careers, and retirement
37:48 – Planning for long-term care and protecting your own future
40:00 – Resources available to caregivers and families

Connect with Julina Ogilvie:
Website

YouTube

LinkedIn

Email- [email protected]

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

Parents today have more options than ever when it comes to saving and investing for their children's future. In this episode, Julina sits down with fellow Wealth Advisor Andrew Cialek, CFP®, to discuss the new Trump Accounts, how they work, who may benefit, and where they fit alongside 529 plans, custodial accounts, Roth IRAs, and other savings strategies. More importantly, they explore how these accounts can spark meaningful conversations that help raise financially confident kids.

Timestamps

2:00 – What are Trump Accounts and who qualifies?

5:00 – Is the $1,000 government contribution enough to make a difference?

7:00 – Why starting early matters and the power of long-term investing

9:45 – Trump Accounts vs. 529 plans, UTMAs, and other savings options

13:00 – Understanding the tax implications of each account type

16:00 – Why there isn't a one-size-fits-all solution

18:00 – The emotional side of saving for your children's future

21:30 – Helping kids build healthy financial habits from an early age

Connect with Julina Ogilvie:
Website

YouTube

LinkedIn

Email- [email protected]

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

In this episode of Women on Wealth, Julina Ogilvie is joined by Principle Wealth's Founder and CEO, Bob Paolucci, to discuss the firm's mid-year outlook, The Next Frontier. Together, they explore the key themes shaping the second half of 2026, including earnings growth, AI, market volatility, IPO activity, and the reasons long-term investors may have for optimism despite continued uncertainty. 

Connect with Julina Ogilvie:
Website

YouTube

LinkedIn

Email- [email protected]

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

In this episode of Women on Wealth, Julina Ogilvie sits down with communication expert, author, and educator Peggy Bud to discuss her article, “Money is a Conversation; Women Belong in It.” Together, they explore why so many women still step back from financial conversations, how that impacts confidence and long-term planning, and why financial transparency is essential in relationships. Peggy shares practical ways couples can create healthier money conversations, how advisors can better engage women in the planning process, and why being part of the conversation leads to greater independence and confidence. 

Timestamps

•  2:01 – “If you’re not part of the conversation, you’re not part of the plan” 
•  4:03 – Financial delegation in relationships and the risks of stepping back 
•  7:37 – What “money is a conversation” really means for couples and families 
•  12:04 – Why even successful women sometimes avoid financial discussions 
•  16:03 – How women engage differently with financial planning versus investing 
•  19:05 – The subtle ways women can be excluded from financial conversations 
•  22:00 – Practical ways women can build confidence before financial meetings 
•  25:06 – How advisors can simplify conversations and encourage engagement 
•  29:02 – Important financial questions women should be asking 
•  34:07 – Does financial confidence come from knowledge or mindset? 
•  36:13 – How financial conversations strengthen trust and relationships 

Connect with Julina Ogilvie:
Website

YouTube

LinkedIn

Email- [email protected]

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

In this episode of Women on Wealth, Julina Ogilvie sits down with Dr. Darla Bishop to explore a powerful and often overlooked truth, financial wellness is about far more than just money.

Blending financial expertise with a public health perspective, Dr. Darla shares how our finances impact not only our bank accounts, but also our stress, health, relationships, and even life expectancy. From the role of zip codes and systemic barriers to the emotional stories we carry about money, this conversation challenges the traditional view of financial planning.

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

In this episode of Women on Wealth, Julina Ogilvie sits down with Social Security expert and author Marcia Mantel to unpack one of the biggest concerns facing pre-retirees today: Will Social Security be there for me?

Together, they cut through the headlines and misconceptions—explaining how Social Security is actually funded, what “running out of money” really means, and why claiming decisions can have long-term consequences.

Timestamps:

04:30 – Is Social Security going bankrupt?
08:00 – How Social Security is funded (and why it matters)
11:30 – The 2032 reserve fund timeline & potential benefit cuts
15:00 – How different generations view Social Security
19:00 – Why claiming early can be a costly mistake
23:30 – The impact on spouses and survivor benefits
27:00 – COLA adjustments, Medicare premiums & hidden effects
30:00 – The danger of claiming at 62 (and how common it is)
34:00 – Longevity reality: Why planning for your 90s matters
38:00 – Can you undo a Social Security decision?
42:00 – Why there is no “one-size-fits-all” claiming strategy
46:00 – Full retirement age confusion (65 vs. 67)
49:00 – Earnings limits: Why you may get $0 if you claim early
52:30 – How Social Security benefits are taxed
56:00 – Potential policy changes and future fixes
1:00:00 – Creative solutions & global comparisons
1:04:00 – Final thoughts: Why planning matters more than ever

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

In this episode of Women on Wealth, Julina Ogilvie speaks with leadership communications coach and author Dia Bondi about how to ask like an auctioneer. Dia shares why the best opportunities often come when we push into the “Zone of Freaking Out” (Zofo) and stop asking only for what we think we can get. Learn practical strategies to make bigger asks, handle rejection differently, and unlock greater opportunities in your career and life. 

Timestamps:

6:34 – How Dia became an auctioneer and what the auction stage taught her about asking

11:04 – The biggest mistake people make: asking for what they think they can get

17:24 – The power of “the no” and why rejection shows you’ve maximized the ask

24:04 – Setting your “reserve”: defining your minimum before you ask

34:04 – The “Zofo” (Zone of Freaking Out) and why the best opportunities live there

37:34 – Applying auctioneer strategies to non-financial asks like titles, visibility, and leadership

41:24 – Storytelling and framing your ask to create value for the other person

47:34 – Practical frameworks for making bigger asks and stepping into new opportunities 

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180 

 Cyber threats don’t just target large corporations, small and mid-sized businesses are often the most vulnerable. In this episode, Julina and cybersecurity expert Sam Disraelly, CEO of Your Tech Department, explore the financial, legal, and reputational risks business owners face and the proactive steps that can significantly reduce exposure. If you own a business, serve clients, or manage a team, this conversation is essential listening. 

04:00 – One click can cost hundreds of thousands

08:30 – The “blast radius”: how one employee mistake spreads

11:30 – Why small & mid-sized businesses are prime targets (10–100 employees)

17:30 – What ransomware actually looks like in real life

18:20 – The 170-day problem: hackers lurk before they strike

21:00 – The true cost of a breach (downtime, legal, PR, reputation)

24:00 – FTC reporting requirements & legal exposure

31:00 – The NIST framework: Identify, Protect, Detect, Respond, Recover

32:30 – The non-negotiables: your cybersecurity “stack”

36:20 – The cloud myth: Microsoft’s shared responsibility model

37:45 – Cyber insurance: what most business owners misunderstand

41:30 – How to vet your IT provider

44:30 – Cybersecurity as fiduciary responsibility

48:20 – What to do in the first 24 seconds of a breach

53:20 – Emerging risks: AI, shadow IT & data ownership

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP’s CRD #290180