In this festive episode, host Melissa Joy, CFP®️, dives into the world of holiday giving with a twist. The focus is on gifts that aren't just thoughtful but also contribute to financial wellness. Melissa Joy opens the discussion by sharing her excitement for the holiday season and the importance of meaningful gift-giving. She emphasizes how charitable gifts can teach younger generations about compassion and empathy. Need something in the next week? How about financial gifts like gifting stocks, subscriptions to budgeting apps or services from financial planners or coaches? This episode is a must listen for a unique take on holiday gift-giving, emphasizing gifts that contribute to financial literacy and wellness, thereby leaving a lasting impact.

Resources:

• Listen to Episode 195: Maximizing the Impact of Charitable Giving with Melissa Joy.
• Read How to give the gift of a Roth IRA.
• Michigan 529 plans have a whole page on how to gift to a 529.
• Save Spend Donate Invest piggy bank.
• Trust and Will digital estate planning solution with 10% discount.
• Help a family member create a book with stories from their life with Storyworth

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

In this episode, hosted by Melissa Fradenburg, we explore Paige Pritchard's remarkable transformation from an impulsive shopper to a financially savvy individual. By age 29, Paige had achieved notable financial milestones: she paid off $40,000 in student loan debt, cash-flowed her MBA, became a homeowner, and built a substantial six-figure investment portfolio. As a certified life coach, she has empowered thousands of women to improve their spending habits through various platforms, including her social channels, The Money Love Podcast, and her group coaching membership, Overcoming Overspending.

Paige divulges her three-phase approach to money management, underscoring the pivotal role of mindset and emotions in financial decision-making. She provides an in-depth look at the emotional triggers that often lead to overspending, alongside proposing healthier coping strategies. A significant focus is placed on the impact of social media on spending habits. Paige offers valuable insights on how social media can instigate detrimental spending mindsets and provides strategies to counteract these influences.

The episode also delves into the concept of "spending self-concept," where Paige discusses how our mental and emotional states can drastically affect our spending choices. This discussion goes beyond mere financial advice; it's a journey of self-discovery, enriched with personal stories and practical tips designed to transform your relationship with money. Join us in this empowering episode as we learn to overcome the lure of overspending and embark on a path to financial health and freedom.

Resources: 

• Connect with Paige on Instagram: @overcoming_overspending or TikTok:@overcoming_overspending
• Follow Paige on her YouTube Channel
• Listen to The Money Love Podcast
• Join her Free Masterclass: Why You Impulse Shop & How To Stop
• Work with Paige: Overcoming Overs

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Do you feel like you're hemorrhaging money every holiday season? I've been there, and want to share some things that help to navigate holiday spending without breaking your budget. Join Co-host Melissa Fradenburg as she unpacks five effective strategies drawn from her own experiences and missteps. Melissa breaks down how to set clear gift-giving expectations, stick to a fixed budget, and make the most from seasonal sales.  Learn how to leverage apps or spreadsheets to track your gift ideas and purchases, saving you from last-minute shopping stress and unexpected costs. And if you're tired of the materialism, we've got you covered with fresh ideas on gifting experiences rather than things. Let's redefine the holiday season together - less financial stress, more joy, and lasting memories. Don't miss this episode!
Resources: 

• Download Apps, Christmas Gift List, or Gift List, mentioned in this podcast.
• Read, 5 Smart Holiday Spending Tips, by Melissa Fradenburg. 
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Learn more about Pearl Planning. 
• Register for our2024 Winter Economic Update and Investment Outlook. 

Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Plannin

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Ever thought about the power of your generosity? We celebrate Giving Tuesday with a deep dive into making your charitable contributions more impactful. Co-Host Melissa Joy, CFP®️ discusses building a solid donation strategy, pinpointing the organizations that tug at your heartstrings, and involving your family in this profound process. She also shares how you can leverage the tax benefits of philanthropy and how generosity triggers the release of feel-good chemicals that can add years to your life. Lastly, she shares the precious opportunity charitably giving provides to instill the values of generosity and philanthropy in our young ones. So, join us in this episode and let's explore the remarkable world of giving together. Step in and let's discover the joy and impact of purposeful giving this Giving Tuesday!

Resources:

• Visit the virtual headquarters for Giving Tuesday 2023.
• Read Pearl Planning blog, 10 Ideas for Giving.
• Read about the Health Benefits of Giving.
•  Here are Tips and Contribution Limits for Charitable Giving.
• Read about How Generosity Helps Kids Live Richer Fuller Lives. 
• Watch a webinar replay, Money Smart Charitable Giving.
• Listen to podcast episode 33 Charitable Giving with Laura Brownfield for more information on Donor Advised Funds.

Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Ready to step up your fashion game this holiday season? Our recent discussion with personal stylist and wardrobe consultant, Kelley Muzingo might just be the inspiration you need. Kelley's passion for fashion is contagious, as she shares her journey into the industry and how she helps clients feel their best. In this episode, we give you the lowdown on this season's must-haves from sequins and metallics to classic pieces that never go out of style. We also delve into the realm of budgeting and shopping for holiday outfits, providing tips on how to look fabulous without breaking the bank. Kelly shares her favorite stores and we discuss the concept of how to integrate trends with timeless classics. We discuss the art of confidence and dressing to feel empowered, so tune in and join us for this lively exploration into the world of fashion. Thanks for tuning in and here's to a stylish holiday season!

Resources:

• Find out more about Adorned By Kelley. 
• Connect with Kelley Muzingo and follow her on Instagram. 
• Listen to Episode 193: Year-End Financial Planning with Alexa Kane
• Learn more about Pearl Planning. 
• Connect with Melissa Fradenburg and Follow her on Instagram.

Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situat

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Are you ready to wrap up your financial year and set yourself up for success in the next? In this episode of the Women's Money Wisdom Podcast,  with Co-Host Melissa Joy, CFP® and guest  Alexa Kane, CFP ®  we discuss what you can do in the last few weeks of the year to get your finances in order. We all know how chaotic this time of year can become with the holiday season approaching. Alexa shares valuable insight on things we should review in retirement planning, employee benefits, and taxation before we ring in the new year. This episode is brimming with practical wisdom to help you make smart financial decisions to round out this year and welcome the next. Don't miss out on this chance to elevate your financial planning game!  

Resources:

• Find out more about Alexa Kane, CFP®, CDFA®, AIF®
• Read  Pearl Planning blog, 7 Year-End Financial Planning Moves.
• Watch our 2023 Year-End Planning Webinar REPLAY
•  Listen to Episode 188: Understanding Health Savings Accounts with Melissa Joy                                                                                                                                                                           

Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Ever find yourself caught in the spending to impress trap, also known as 'Keeping up with the Joneses'? Listen in as we draw examples from celebrities like Taylor Swift and Travis Kelce to discuss this age-old phenomenon. We delve into the allure of maintaining a lifestyle akin to those around us, even when it's not financially prudent. From the luxury of rented restaurants to the appeal of matching home décor, we evaluate how these spending habits often mirror our social circles and the influence of social media on our financial decisions. We assure you, a high net worth doesn't always reflect financial health or stability. The lavish lifestyles of celebrities are not the benchmarks for your financial success. Instead, let's focus on individual financial goals and priorities. We dive into the importance of understanding what truly brings joy to your life and how it plays a role in your financial planning journey. Tune in as we discuss the importance of resisting the spending trap, focusing on your financial goals, and understanding that the path to financial stability is unique to everyone.

Resources:

• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Listen to Episode 107: Lifestyle Creep with Melissa Fradenburg
• Learn more about Pearl Planning. 
• Register for our Year-End Planning Webinar. 

Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

This Halloween special episode uncovers scary financial blunders people commit, especially in relation to retirement planning and emergency savings. Melissa Fradenburg will walk you through the chilling implications of being too conservative with long-term investments and the terror of having your cash sit idle. We underline the importance of securing your own financial future before extending help to others. This episode is brimming with real-life scenarios and practical advice to keep you safe from these frightening financial pitfalls. So muster your courage, tune in, and let's bravely confront these unnerving money behaviors together!

Resources:

• Listen to Episode 162: More Than Money with Melissa Joy, CFP®
• Listen to Episode 123: Simple Budgeting Tips with Melissa Fradenburg
• Learn more about Pearl Planning. 
• Register for our Year-End Planning Webinar. 

Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Do you ever stop to marvel at the incredible intricacies of the human body and the wisdom it possesses? This episode of Women's Money Wisdom Podcast welcomes Cass Ghiorse, a brilliant mind at the confluence of science and spirituality, who teaches us to do just that. Cass unravels the often confusing web of the wellness industry, highlighting how simple, low-cost methods like breathwork can foster a profound connection with our bodies and minds. An in-depth exploration into the dynamics of our respiratory system and stress regulation unveils how something as basic as breathing can significantly influence our state of awareness. Even more captivating is the power of energies - both yours and of those around you.  Tune in to this fascinating episode of Women's Money Wisdom Podcast as we uncover the power and wisdom inherent within our bodies, and remember to follow us for more enlightening conversations like this one.

Resources:

·         Learn more about Cass Ghiorse

·         Follow Cass Ghiorse on Instagram

·         Listen to Episode 189: Finding Personal Success and Wellness: A Conversation with Melissa Coulier

·         Learn more about Pearl Planning. 

·         Register for our Year-End Planning Webinar. 

 
Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

 Join  Co-Host Melissa Fradenburg, CDFA®️, AIF®  for an enlightening conversation with Melissa Coulier, author, entrepreneur, and co-founder of Living Well with Mel. We dive into her journey navigating through her partner's fame, and how she defined her own success while building a thriving career. Melissa bares her soul, discussing her struggles and triumphs, from her successful career in commercial and editorial photography to her experiences in a relationship where her partner was already well established. It's a raw and refreshing discussion about the power dynamics and complex challenges faced by ambitious women. We take a deeper look into Melissa's personal journey with lupus and how that pushed her into the world of wellness and movement. Her approach is all about listening to your body and making nutrition choices that fuel and nourish your body, rather than depriving it. The conversation carries a personal touch and invaluable wisdom about entrepreneurship, holistic wellness, and the importance of balance in all aspects of life. 

Resources:

·         Learn more about Living Well with Mel and Mel.

·         Follow Melissa Coulier on Instagram

·         Learn More about Moving Well with Mel. 

·         Learn more about Pearl Planning. 

·         Register for our Year-End Planning Webinar. 

 
Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken

The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...