Women's Money Wisdom

In this episode, Melissa Fradenburg, CDFA®️, AIF® shares 5 essential tips to help you make the most of your financial situation after filing your taxes. Tune in to discover smart money moves, investment strategies, and retirement planning advice to consider while your tax situation is fresh in your mind.

 We will discuss:

• Understand the importance of adjusting your tax withholding based on your current financial situation.
• Learn why it's essential to contribute the maximum amount to your retirement accounts.
• Understand the significance of tax-advantaged accounts.
• Are you taking advantage of tax loss harvesting for your taxable investment accounts?
• Find out how to make the most of your tax refund by paying off debt and saving for emergencies.
• Schedule a Financial Planning Appointment with Pearl Planning.

Resource Links:

• Tax Withholding Estimator on IRS.gov
• View Important Numbers for 2023
• What Issues Should I Consider at the Start of 2023
• Listen to Episode 102: All About Emergency Reserves with Melissa Joy, CFP®, CDFA®

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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

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...

Why do people try to time the market? One reason is that they want to avoid losses during a recession. But the reality is that it's very difficult to time the market effectively. In this episode, Melissa Fradenburg, CDFA®️, AIF® discusses whether it's a wise investment strategy to time the market during a recession. We'll look at some historical data to explore why pulling your money out of the market during a recession may not be the best move, and why trying to time the market can actually hurt your investment returns.

•  Learn more about Pearl Planning or connect with Melissa Fradenburg.
• Read blog 5 Questions to Ask When Stocks Are Down.
•  Listen to Episode 163: Mortgage Rates and the Unlikelihood of a 2008 Repeat with Nathan Steiner
• Listen to Episode 117: Interest Rates, Inflation, And The Federal Reserve.
• Listen to Episode 110: Asset Allocation and Diversification with Melissa Fradenburg
• Listen to Episode 102: All About Emergency Reserves with Melissa Joy, CFP®, CDFA®
• Read about Beyond Investment Illusions. 
• Sign up for our Spring 2023 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 Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

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 looking to purchase a home but worried about the housing market and higher mortgage rates? In this episode, we welcome back Nathan Steiner, NMLS #771054, Senior Vice President of lending with Guaranteed Rate. Nathan has over 20 years of lending experience and understands the unique challenges buyers and agents are facing in the current rate environment. Melissa Fradenburg, AIF and Nathan discuss the current state of mortgage rates, the potential for a recession, and why we don't think we'll see another housing crisis like in 2008. Nathan shares his valuable insights on the factors that differentiate today's housing market from the one that led to the crisis, as well as the safeguards and regulations put in place to prevent a similar disaster. Don't miss this enlightening conversation that will help you make informed decisions about your mortgage and investments.

Resources:

• Find out more about Nathan HERE.
• Reach out to Nathan Steiner. 
• Follow Nathan on Instagram and Facebook.
• Connect with Melissa Fradenburg, AIF® and learn more about Pearl Planning. 
• Read, What Issues Should I Consider When Dealing With High Inflation?
• Read about 2-1 Buydowns. 
• Read  Mortgage Recast: Differences From a Refinance.
• Listen to Episode 88: Mortgage Options in Retirement with Nathan Steiner.
• Sign up for our Spring Economic Update and Investment Outlook Webinar HERE.

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. 

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 Melissa Joy, CFP®, is a guest on the All About Your Benjamins podcast, hosted by Justin Castelli, CERTIFIED FINANCIAL PLANNER™ practitioner, and founder of RLS Wealth. Melissa is one of the contributors to the new book, More than Money, curated by Justin which explores the practical aspects of financial planning. During their conversation, Melissa shares a powerful story from her chapter in the book, where she explains how financial planning played a crucial role in helping a widow cope with the aftermath of her spouse's sudden death by suicide. Tune in to hear their insightful discussion about the real-life impact of financial planning.

Resources:

• Purchase a copy of More Than Money: Real Life Stories of Financial Planning, Melissa’s Chapter. from Unanswered Questions to Financial Confidence, can be found on page 221.
• Learn more about Justin Castelli, CERTIFIED FINANCIAL PLANNER™ practitioner and RLS Wealth.
• Follow All About Your Benjamins podcast.
• Connect with Melissa Joy, CFP® and Pearl Planning. 

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...

Teaching kids about the value of money is an important life lesson that can help them develop good financial habits in the long run. It's never too early to start teaching your kids about money and its value. In this episode, Melissa Fradenburg, AIF, ® shares three tips to help you get started. 

•  By helping teens understand the difference needs and wants, they can learn to prioritize their spending and make informed financial decisions. 
• Setting boundaries with spending but allowing your child to make decisions around money while the stakes are low.  Earning money, whether it's a job or an allowance is so important to developing good money making decisions in adulthood.
• If you want your kids to be financially responsible, then you need to be financially responsible too. Talk to your kids about how you manage your money, and let them see you make smart financial decisions. For example, if you are saving up for a big purchase, explain to your kids how you are budgeting your money to reach your goal.

Resources:

• Learn more about Pearl Planning.  
• Connect with Melissa Fradenburg, AIF, ®
• Listen to Episode 124: Teaching Children Financial Responsibility Through Chores. 
• Blog post from Pearl Planning, The Three Money Conversations to Have with Your Kids.
• Read article on Mistakes Parents Make When Teaching Kids About Money, by Warren Buffett.
• Listen to podcast Episode 87: How to Talk to Your Kids About Money with Jackie Fradenburg.
• Read the book The Gift of Failure, by Jessica Lahey.

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...

In this episode we share a replay of A Word On Wealth Podcast, hosted by Sherri Stephens, President and CEO of Stephens Wealth Management Group, with guest  Melissa Joy,  founder and President of Pearl Planning. Together they discuss the “ins and outs” of purchasing a second home.  Thinking about becoming a snowbird?  Not sure where to start?  Take a listen to hear more about Sherri and Melissa’s journeys to second home ownership and key considerations for anyone thinking about the snowbird lifestyle.

• Buy or Rent
• Set-up home for rental (i.e., VRBO, Airbnb, etc.)
• Property ownership
• Tax considerations
• Exit planning

Resources:

• Learn more about Pearl Planning.  
• Follow A Word On Wealth podcast.
• Watch Retirement Readiness Webinar Replay. 

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...

Are you nervous about the recent bank failures? Bank failures are not a common occurrence, but they can have a significant impact on the economy and on individuals who have invested their money in those institutions. It's important to understand the reasons behind bank failures and how they can affect you.  In this episode Melissa Joy, CFP, ® and Melissa Fradenburg, AIF, ® break down the many factors that lead to the run on Silicon Valley Bank and Signature Bank and what it could mean for investors. 

Resources:

• Learn more about Pearl Planning.  
• Read more about the current banking failures HERE.
• How does FDIC work. 
• Read the latest resolutions to Protect Insured Depositors of Silicon Valley Bank HERE.  

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...

As children turn 18 and become legal adults, it's important for parents to be aware that they no longer have legal authority over their child's finances, healthcare, or personal decisions. This means that parents should encourage their children to create certain estate planning documents to ensure their wishes are carried out in the event of incapacity or death. In this episode, Liz Derrick, Senior Vice President of Partnership Development with LPL Financial, shares her personal story about needing to go to court during her daughter's health crisis. It's important for adult children to work with an estate planning attorney to create a Health Care Proxy and Durable Power of Attorney.  With these documents in place, parents can have peace of mind knowing that their child's wishes will be carried out in the event of incapacity or death.

Resources:

• Connect with Liz Derrick on LinkedIn. 
• Read Molly Nagelli's Story HERE. 
• Sign up for the Detroit "Go Red" for Women Event. 
• Learn more about Melissa Fradenburg, AIF ®, CDFA ® and Pearl Planning.
• Learn more about Women's Heart Health. 

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...

Kelly Aitken-Gwinnell with Aitken & Ormond Insurance Agency is back with us this week to discuss insurance for small business owners. In this episode, Melissa Fradenburg, CDFA ®, AIF®  and Kelly discuss commercial insurance options and why it's important for small business owners to manage risk when it comes to employees, customers, and their own ability to earn income.  Learn about common mistakes business owners make so you can make an informed decision when choosing  insurance coverage.

Resources:

• Learn more about Aitken & Ormond Insurance Agency. 
• Start a quote HERE.
• Learn more about Melissa Fradenburg, AIF ®, CDFA ® and Pearl Planning.
• Reach out to Kelly Aitken-Gwinnell at [email protected]

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...

Today we are joined by Renee Mason-Sherry and Kelly Aitken-Gwinnell with Aitken & Ormond Insurance Agency. In this episode, Melissa Fradenburg, CDFA ®, AIF® asks Renee and Kelly about all things insurance.  Learn about common mistakes people make as well as tips for adding teen drivers to your auto policy. Car insurance can be expensive, but there are ways to save money and still get the coverage you need. By understanding the types of coverage, discounts available, and other factors that affect premiums, you can make an informed decision when choosing  insurance coverage.

In this episode:

• Why is auto insurance more expensive for teenage drivers?
• What are the types of coverage for auto insurance?
• What is an umbrella policy and who needs one? 
• Is jewelry covered by homeowners insurance?
• What are some of the biggest mistakes you see when it comes to insurance?
• Good student discount: maintain a certain GPA to qualify for a discount

Resources:

• Learn more about Aitken & Ormond Insurance Agency. 
• Start a quote HERE.
• Learn more about Melissa Fradenburg, AIF ®, CDFA ® and Pearl Planning.
• Reach out to Kelly Aitken-Gwinnell at [email protected]
• Reach out to Renee Mason-Sherry at [email protected]
  
  

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...