Women's Money Wisdom

In this episode Melissa Joy, CFP® and Perth Tolle discuss freedom-centric investing and why looking at investing through a humanitarian lens can impact returns. Perth is the founder of The Life + Liberty Freedom 100 Emerging Markets Index, which is a freedom-weighted EM equity strategy that uses personal and economic freedom metrics as primary factors in the investment selection process. Born in Beijing and having moved to the United States at age 9, Perth was inspired by the stark disparity between how she grew up and her experience traveling in China later in life. Listen to this episode to find out how this inspiration as well as the demands of being a single mother, lead to the creation of Life + Liberty Freedom 100 Emerging Markets Index.

You will learn:

·       What is freedom-centric investing?

·       Which countries are the most “free”?

·       What quantitative date is used to determine freedom?

·       Why investing in countries that value humanitarian rights makes sense.

Resources:

Find out more about Perth Tolle HERE.

Read more on freedom-centric Investing HERE.

#impactinvesting #ESG #freedominvesting

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Utilizing an ESG investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations. Sustainable/Socially Responsible Investing (SRI) considers qualitative environmental, social and corporate governance, also known as ESG criteria, which may be subjective in nature. There are additional risks associated with Sustainable/Socially Responsible Investing (SRI), including limited diversification and the potential for increased volatility.

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 Fradenburg, Financial Advisor, RJFS, and Erica Galvan, LMSW, discuss the unique challenges mothers face when it comes to allocating time and financial resources. Erica has a bachelor’s degree in Psychology and a master’s degree in social work from the University of Michigan and is the owner of Bloom Wellness Counseling, LLC. In this episode, Erica uses both her professional expertise in maternal mental health and her personal experience as both a stay-at-home and a working mother of 3 young children to provide valuable perspective on the financial issues specific to motherhood.

You will learn:

·       Why it is important to put systems in place to help reduce the load of the invisible work of motherhood.

·       Why we need to believe we deserve time or spending money regardless of outside the home employment hours or income.

·       Treat self-care as an investment in yourself as a mother.

·       How to recognize financial abuse by a spouse or partner.

·       How stepping back from your career or passing up promotions for motherhood affects retirement savings and earning ability over time.

 Resources:

  Find out more about Erica’s Services HERE.

 Follow on Instagram @Bloom.well.mama

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

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 Fradenburg, Financial Advisor, RJFS, and Amalia Miralrio, LCSW, LMSW discuss knowing your worth both in relationships and after a relationship has ended. Issues of self-worth can be sneaky and do not necessarily have anything to do with money. While Melissa helps people to understand the financial numbers in a split, Amalia focuses on helping people know their emotional worth. When things do not turn out the way we envisioned, whether a relationship or a career, there is normal grief of what we thought life would be like.  Listen to this episode to figure out how to unpack these emotions and move forward knowing your worth. 

You will learn:

• How do the problems that might bring you to therapy show up in your daily life?
• Therapy is not so much about a diagnosis but more about learning how to process feelings that you are having.
• Worth in a relationship does not have to do with how much you earn.
• What is ambiguous grief? 

Resources:

 Find out more about Amalia’s Services and Amity Counseling Detroit.

 Follow Breakup Therapist Detroit on Instagram.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

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...

If you are seeking financial planning advice this episode is for you! There are many financial advisors to choose from, but they do not all deliver advice or do business the same way. And if you have never worked with an advisor before, it might be even more challenging to know what to look for. While licenses, experience, and cost structure are important, fit is just as key. Melissa Joy, CFP®, CDFA®, President of Pearl Planning, and Sarah Boston, Financial Advisor of Bookends Financial Planning join us in this episode to highlight some of the most relevant questions and considerations when seeking a financial advisor. There is a lot more to consider beyond investment strategy and potential returns, so take a listen!

We will discuss:

·       Will this advisor make decision-making easier and less confusing?

·        Will this advisor be communicating with me proactively?

·        Do I like this person or am I going to dread having to call and meet with them?

Additional Resources:

Listen to Karen’s podcast FRESH OFF THE VINE.

Find out more about Karen Coyne HERE.

Find out more about Sarah Boston HERE.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

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...

Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss financial life planning. Have you ever thought about if you had all the money you needed to live a satisfying life, how would you spend it? Dan is a retired CFP®, with over 35 years of industry experience, who now helps people look for things that will make their life more meaningful beyond the financial planning process. Melissa and Dan discuss how getting deeper on how to live better lives can elevate the financial planning process. 

You will learn:

• What is the process of financial life planning?
• How to uncover what is really important to make your life more meaningful.
• The three questions to ask yourself to really uncover what is essential in your life and what is not? 
• If you found out you have 24 hours to live what would you regret not having done in your life? 
• How do we optimize areas of time, energy, and talent throughout our lifetime?

 Resources:

·       Find out more about Dan Boyce HERE.

·       Order a copy of The Financial Wisdom of Ebenezer Scrooge

·       Order a copy of Seven Stages of Money Maturity

·       Find out more about The Kinder Institute of Life Planning

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

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®, and Jennifer Lawrence discuss the basics of prenuptial agreements. Jennifer is a family law attorney specializing in divorce, custody, estate planning, and prenuptial agreements. If you and your significant other are considering having one drafted or you are just curious about the process, this is a must-listen episode.

You will learn:

• Who should have a prenuptial agreement drafted and why?
• Why it is important that both parties have legal representation in the process.
• How soon before the wedding should you start the legal process?
• Can you sign a prenuptial after you are legally married?
• In what circumstances are prenuptial agreements not honored in a divorce? 

 Resources:

 Find out more about Jennifer Lawrence PLLC HERE.

Read the Allard vs Allard, no 308194case. 

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

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®, and Cathy Curtis, CFP® discuss the common mistakes they see clients make when it comes to receiving an inheritance. Cathy is the founder of Curtis Financial Planning, a fee-only financial advisory firm dedicated to addressing the financial planning and wealth management needs of independent women. Through their combined experience, Melissa and Cathy share some ideas to prepare for inheritance and handle this potentially life-changing transfer of wealth.

You will learn:

·       Why it is important to process your feelings about the inheritance before taking action.

·       How making a list of things/experiences you want to buy will help you not to overspend.

·       Understanding the technical aspects of how to title the assets and plan for taxation. 

·       Why it is important to have a financial plan as this windfall may be just what you needed to fund your retirement.

Resources:

 Find out more about Cathy Curtis HERE.

Download Cathy’s Essential Sudden Wealth Checklist.

Read Cathy’s Blog Emotionally Charged Money: Inheritance.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.  While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of  Pearl Planning, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal 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, Melissa Fradenburg and Sarah Jelinek share tips to reach your fitness and financial goals. They discuss the similarities of the best practices to break habits that are not serving you.  Sarah is a Certified Personal Trainer and fitness nutrition specialist, with a Master of Science in Kinesiology and concentration in sports conditioning. She helps her clients tap into their potential and become excited about fitness. 

You will learn:

·       How adding in several positive habits vs eliminating all bad habits leads to success.

·       Why setting small, more attainable goals at first helps you reach larger goals.

·       How often should you get on the scale? 

·       The similarities between financial and physical fitness.

Resources:

Learn more about Sarah Jelinek and Inner Athlete Fitness. 

Read Sarah’s blog How to Measure your Fitness.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. 

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®, and Lindsay Bryan-Podvin discuss the societal and cultural stigma surrounding money conversations and how to change that mindset.  Lindsay Bryan-Podvin is a social worker-turned-financial therapist, author, and speaker. Her financial therapy practice helps people get their minds and money in balance to reach their financial goals.

You will learn:

·       How our culture reinforces our fear about money discussions.

·       When you feel overwhelmed by your finances how do you breakthrough?

·       Why acknowledging how our experiences and our childhood shape our thoughts on money can help change our money mindset.

·       How to breakdown the barriers that are preventing you from reaching your financial goals.

·       Shame vs guilt when it comes to money. 

Resources:

Find out more about Lindsay Bryan-Podvin HERE.

Order a copy of The Financial Anxiety Solution, a self-paced workbook.

Read an article, Money and Community: Empowering Women Business Owners, by Lindsay Bryan-Podvin. 

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

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 Fradenburg and Nathan Steiner, NMLS #771054, discuss what options you have available when it comes to mortgages in the divorce process. Whether you want to stay in the marital home or qualify to purchase a home on your own, this is a must-listen for those considering divorce. Nathan has over 20 years of lending experience and understands the unique challenges those facing divorce can experience when it comes to home financing. 

You will learn:

·       Do you have to refi one spouse off the mortgage after the divorce?

·       Can you qualify for a mortgage based on Alimony?

·       What happens if only one spouse is on the note?

·       Can you use a separation agreement vs the final divorce decree to cancel the debt from the marital home?

·       What if I get a lump sum divorce settlement vs alimony?

Resources:

Find out more about Nathan HERE.

Divorce Financial Planning RESOURCES.

Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

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...