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Ever wondered how to secure a bright educational future for your children without compromising your own financial well-being?
Join Melissa Joy, CFP®, CDFA®, and her insightful colleagues Lucy Valandra, CFP®, and Alexa Kane, CFP®, CDFA®, AIF®, as they share personal stories and helpful tips to make the college savings process smoother.
Lucy starts off with her heartwarming journey as a new mother to twin boys and the proactive steps she's taking toward their education savings. Meanwhile, Alexa, balancing life with two boys and a baby girl on the way, breaks down the many benefits of 529 plans—from tax advantages to their flexibility. Together, they discuss how dedicated college savings can provide both financial security and peace of mind.
We'll also explore the broad possibilities of educational funds beyond traditional four-year colleges, touching on trade schools, community colleges, and even off-campus housing.
Alexa dives deep into the critical balance between saving for college and securing your own retirement, emphasizing the importance of early and adaptable savings strategies. You’ll learn about lesser-known benefits of 529 plans, such as paying off siblings' student loans and redirecting leftover funds wisely.
This episode is packed with practical advice and personal anecdotes to empower you with the knowledge to make informed decisions about your children’s educational futures and your financial health.
Listen and Learn:
529 plans offer tax advantages and flexibility for saving for college It is possible to repatriate funds from 529 accounts for other purposes, such as retirement savings or paying off student loans How to find a balance between saving for college and retirement is importantResources:
Connect with Alexa on LinkedIn Connect with Lucy on LinkedIn Listen to the College Savings Webinar hereLinks 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.
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Discover the unique financial landscape of child-free living with Dr. Jay Zigmont, a CERTIFIED FINANCIAL PLANNER® and founder of Child Free Wealth. Together with Melissa Joy, CFP®, CDFA®, they unpack the nuanced financial strategies tailored for those who choose not to have children. From rethinking the legacy you leave behind to understanding long-term care planning without relying on the next generation, Dr. Zigmont offers profound insights that challenge conventional financial wisdom.
Explore the complexities of long-term care insurance and the critical timing for acquiring coverage, especially for child-free individuals. They delve into the cost implications, the necessity of standalone plans, and the crucial role of early planning in supporting aging parents without jeopardizing your own financial stability. Dr. Zigmont sheds light on Medicaid’s limitations and the importance of setting boundaries to avoid financial strain.
In a world increasingly leaning towards living child-free, they discuss the multifaceted reasons behind this choice, including financial, political, and environmental considerations. Embrace the growing trend and learn how to navigate life and financial planning without children. Featuring insights from Dr. Zigmont’s book, "The Child Free Guide to Life and Money,” they emphasize the importance of recognizing and respecting diverse family structures.
Listen and Learn:
How child-free individuals need to plan for end-of-life expenses, such as long-term care insurance, as they may not have children to rely on for support. Why estate planning is crucial for child-free individuals to ensure their wishes are carried out and to designate someone to make decisions on their behalf. The reason why child-free individuals have the advantage of being able to optimize their spending and make life decisions without the financial constraints of raising childrenResources:
Learn more about Jay on his Website Connect with Jay on LinkedIn Buy his books on AmazonLinks 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.
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Description:
Have you ever felt the frustration of miscommunication straining your personal or professional relationships?
In this compelling episode of the Women's Money Wisdom Podcast, relationship and communication coach Joni Woods of Journey Coaching shares how she transformed her own communication struggles into powerful personal growth. Together with Melissa Joy, CFP®, CDFA®, they explore the vital roles of self-awareness and accountability, offering listeners practical strategies to elevate their communication skills and enhance their lives.
From navigating family caregiving challenges to tackling tough workplace scenarios, this episode reveals how letting go of assumptions can lead to better outcomes.
Additionally, we delve into the concept of personal money origin stories, uncovering how our early financial experiences shape our current behaviors and decisions. Tune in for this enlightening discussion and embark on your journey toward stronger relationships and greater financial wisdom today.
Listen and Learn:
Discover why healthy communication is the foundation of strong relationships. Understand the importance of active listening and empathy in extending an olive branch and resetting communication lines. Learn how third-party mediators can play a crucial role in opening up dialogue and finding effective solutions. Explore how communication challenges can surface in diverse settings, from co-parenting to workplace interactions and family dynamics.Resources:
Learn more about Joni on her Website Connect with Joni on LinkedIn Follow Joni on InstagramLinks 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.
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Unlock the secrets to maximizing your Health Savings Account (HSA). Discover strategies that can turn your HSA into a powerful financial tool for both immediate and long-term goals.
Melissa Joy, CFP®, is joined by Bill Stuart, a leading expert who has been pioneering HSA knowledge since their inception in 2004. In this episode, they guide you through the myriad benefits and complexities of HSAs, revealing how these accounts combine the best features of IRAs and FSAs. Learn how to save pre-tax dollars, grow your savings tax-free, and make tax-free withdrawals for qualified medical expenses—all while ensuring your plan is HSA-eligible.
They discuss treating your HSA as a lifetime account, allowing funds to accumulate tax-free without the pressure of annual reimbursements. They illustrate how paying out-of-pocket for medical expenses can let your HSA grow, which is especially beneficial during retirement.
They also explore the investment potential of HSAs and their role in bridging the gap between early retirement and Medicare, highlighting the importance of selecting the right beneficiaries to ensure continued financial support for surviving spouses.
Tune in to understand how you can leverage HSAs to their fullest potential and safeguard your financial future.
Key Takeaways:
HSAs offer immediate tax benefits and can be used as a powerful tool for retirement planning. Eligibility for HSAs is based on specific criteria, including the type of health plan and coverage. Contributions to HSAs are tax-deductible and can be made by both individuals and employers. HSAs offer investment options, and the funds can be used for qualified medical expenses tax-free.Resources:
Purchase Bill’s book: HSAs: The Tax-Perfect Retirement Account Connect with Bill on LinkedInLinks 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.
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Summer is winding down, and there is a lot to unpack from the past few months. All the medals have been awarded and as we step off the podium and look towards fall we can’t forget some key takeaways.
In the episode, Melissa Joy, CFP®, CDFA® reflects on the summer of 2024, discussing the stock market volatility and the lessons she learned from the Olympics.
She emphasizes the importance of maintaining a positive outlook and not catastrophizing, drawing parallels between the Olympics and investing.
Melissa also highlights the need for diversification in portfolios and the celebration of access and women's participation in both sports and the economy. Listen in and share this episode.
Key Takeaways:
Reminder to diversify your investment portfolio to include different types of assets and investments. Celebrate access and women's participation in sports and the economy. Stay vigilant against fraud and conduct due diligence when making investment decisions. Be open to learning from real-life examples, such as the Olympics, and applying those lessons to investing.Resources:
Pearl Planning Summer Investment & Economic Update US Women’s Soccer Team Completes Turnaround for Gold Last place marathoner gets first-class Olympic moment USA Rugby receives transformative gift USA Women won more than half of team’s medalsLinks 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.
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If you’re a business owner, you know that the numbers matter. Accurate tracking of cash flow, expenses, and income help you keep tabs on the financial health of your company.
In this conversation, Melissa Joy speaks with Ronisa Clark, an expert in bookkeeping for business owners and founder of her own company, Dream Joy Consulting. You’ll hear about the importance of keeping finances in order, common issues faced by business owners, and the basics of cash flow management.
From experience, Ronisa shares why accurate bookkeeping and using an accounting system from the start is crucial for your business. You'll also hear about the importance of separating personal and business expenses and the potential tax implications for business owners. Overall, the conversation will give you valuable insights ... whether you are an aspiring entrepreneur or are currently running your own company.
How accurate bookkeeping is crucial for business owners to understand their cash flow and financial health Why using an accounting system from the start can help track expenses, income, and financial statements more effectively Ways to plan for tax season and how seeking the advice of a tax strategist or planner can help minimize tax liabilities.
Listen and Learn:Resources:
Learn more about Ronisa on her Website Connect with Ronisa on LinkedIn Follow Dream Joy Accounting on Facebook Additional Information about Ronisa as a QuickBooks Pro AdvisorLinks 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.
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Medicare can seem like a mystery. Whether you are nearing the age to sign up or your parents have questions you’re trying to help them answer, this episode is dedicated to demystifying all the options.
Melissa Joy and Joanne Giardini-Russell, Owner of Giardini Medicare, talk about what your healthcare can look like in retirement. Understanding Medicare and making informed decisions about enrollment and coverage options isn’t easy.
Listen and learn about the potential costs associated with Medicare and the need for proper planning. Joanne shares her expertise and provides resources for anyone approaching Medicare age.
Medicare decisions are not the same for everyone. You need personalized advice and guidance in navigating the complex world of Medicare... especially during the open enrollment period for Medicare, where changes can be made to Medicare Advantage and drug plans.
Understanding the rules and timing of Medicare enrollment has the potential to impact your HSA and IRMA charges. Get informed so you can make the best decisions about your health and money.
Listen and Learn:
The difference between Medicare, Medicare Advantage and Medigap plans Ways to make informed decisions about cost and coverage to select the right plan for you during retirement The rules and timing of Medicare enrollment, as well as the potential impact on HSAs and IRMA chargesResources:
Learn more about Joanne on her Website Connect with Joanne on LinkedInFollow Joanne on YouTube Listen to Joanne’s PodcastAdditional Information about MedicareLinks 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.
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In this conversation, Melissa Joy and Sarah Silvennoinen of My Motivation Counseling, discuss the importance of effective communication, especially when it comes to talking about money. They highlight the need to understand different perspectives and backgrounds in order to avoid miscommunication. They emphasize the importance of identifying and communicating personal wants and needs, even if they may not be rational. They also discuss the role of financial planners in integrating fun and quality of life into financial planning. The conversation concludes with strategies for improving communication and advocating for oneself.
Listen and Learn:
Strategies to navigate financial differences and how to set rules for spending to help with decision making How to advocate for oneself and why honoring personal values and emotions is essentialWhy effective communication is crucial when discussing money and financial planning
Resources:
Learn more about Sarah on her Website Access Sarah’s Community Provider Information Connect with Sarah on LinkedIn
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 way you or your partner spends money can have real impact on your relationship. In this episode, Melissa Joy interviews Scott Rick, author of the book 'Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships.' They discuss the different approaches people have towards spending money and how it can impact relationships. Scott defines tightwads as individuals who experience distress and anxiety when thinking about optional purchases, while spendthrifts are more present-oriented and tend to regret their purchases later. They also explore strategies for navigating financial differences in relationships, such as having joint accounts and setting tiebreaker rules for spending decisions. The conversation concludes with a discussion on the influence of parents' spending habits on their children and future research topics in the field.
Listen and Learn:
Strategies to navigate financial differences and how set rules for spending to help with decision making How parents spending habits can influence their children’s financial behaviors and how it is important to be mindful of the messages we send about money to our kidsWhen it comes to financial psychology, we explore topics such as prenuptial agreements and how couples can better resolve financial disputes.Resources:
Purchase Scott’s book: Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships Connect with Scott on LinkedIn Follow Scott on Twitter Learn More About His ResearchLinks 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.
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Have you ever wondered how financial stress impacts mental health and what can be done to address it? In this episode, Melissa Joy and Lindsay Bryan-Podvin discuss the Financial Empowerment Initiative at the University of Michigan, focusing on the intersection of money and mental health. Lindsay shares insights from her work and the impact of the workshops on participants. They also explore the challenges and misconceptions around seeking financial advice and therapy.
Listen and Learn:
How the Financial Empowerment Initiative at the University of Michigan connects money and mental healthHow to navigate challenges and misconceptions around seeking financial advice and therapyThe significance of educating yourself about reputable financial professionals and finding the right fit for your financial and mental health needsResources:
Visit Mind Money BalancePurchase Lindsay’s book: The Financial Anxiety SolutionFollow Lindsay’s Podcast Follow Lindsay on YouTubePast Podcast Episode: Getting Over Fears of Talking about MoneyOvercoming Financial Anxiety video with LindsayNavigating Money Issues with a PartnerFinancial Therapy with Nate AstleLinks 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.
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The rates are high in the mortgage world. There’s no denying it! In this chat, Melissa Joy dives into the ever-changing landscape of mortgages with guest Erica Powers, CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. We’ll spill the beans on today’s mortgage scene, chat about savvy refinancing moves, and talk about some little-known home buying hacks. Plus, we’ll bust some mortgage myths wide open! It all starts with being well-informed.
Listen and Learn:
1. Are the rates high? We talk historical averages for some comparison.
2. Buy now or wait for the rates to drop? Homebuyers get some advice on waiting, prices, and limited inventory.
3. How to add up the costs of homeownership (property taxes + insurance + maintenance).
4. Refinancers beware! How to balance the costs, potential savings, and long-term financial impact of your refi.
5. Special tips for first-time homebuyers to help bridge the gap between savings and that hard-to-reach down payment.
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.
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This episode, originally aired on "is that cashmere?" hosted by Becca Hoeft and Anna Kincannon, explores the connection between fashion choices and financial decisions, especially during the pandemic.
Melissa Joy, CFP® joined Becca and Anna to discuss saving money, planning for the future, and teaching children about finance.
This lively conversation covers how money impacts relationships, the importance of diverse financial advice, and managing finances during major life events like divorce.
Listen and Learn:
How pandemic fashion relates to spendingWays to balance personal growth and financial growthHow to manage finances during big life changesResources:
Listen to ‘is that cashmere?’ Follow Becca Hoeft Follow Anna KincannonLinks 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.
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Looking to build your dream home? In this episode, Melissa Kennedy, President of Meadowlark Design+Build, and Design Director, Jen Hinesman discuss the process of building a custom home designed specifically for you. Using their 20 years of experience, Melissa and Jen explain all the important steps like planning, budgeting, choosing a location, and making sustainable choices.
Listen and Learn:
The importance of financial planning and budgeting for your dream homeHow to select the right property siteStrategies for making sustainable, eco-friendly choices in home constructionHow to deal with challenges like weather delays and labor shortagesResources:
Check out Meadowlark Design+Build Services Visit the Meadowlark Custom Home Design Gallery Follow Meadowlark on InstagramFollow Meadowlark on FacebookListen to Episode 174: Exploring Investment Assumptions: Real Estate vs. Stock & Bond Investing6 Steps of the Custom Home Building ProcessLinks 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.
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Planning a vacation can be overwhelming. But working with a travel expert can make it much easier to create amazing trips tailored for you. Vinal Desai Burbeck, Travel Consultant and Founder of Wanderlark, dives into the changing world of travel planning and how travel advisors create personalized experiences to fit your interests and budget.
This episode also explores money strategies for affordable vacations - like tips on finding good deals and underrated, more cost-effective destinations.
Cost-saving advice for planning affordable vacationsTips on navigating travel after COVID-19Budget-friendly travel strategies for all seasonsThe benefits of getting professional guidance for meaningful trips
Listen and Learn:
Check out Wanderlark Follow Wanderlark on Facebook Follow Wanderlark on Instagram Follow Wanderlark on LinkedIn
Resources:
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. -
Struggling to balance work and childcare responsibilities? Heather Boneparth, Director of Business and Legal Affairs at Bone Fide Wealth, sheds light on the challenges parents face in today’s world. Learn helpful tips on dealing with changes in taking care of children, finding new ways to contribute besides earning money, and juggling family duties well.
Listen and Learn:
Tips for juggling work and childcareStrategies to deal with changing childcare needs over timeIdeas for balancing career goals with family lifeResources:
Visit Bone Fide WealthPurchase Heather’s book: The Millenial Money Fix Follow Heather on LinkedInFollow Heather on InstagramFollow Heather on TwitterThis is How Much Child Care Costs in 2024The Joint Account The Invisible Costs of Child CareThe Teamup Family CalendarLinks 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.
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Stressed about student loans? We’ve got you covered. In this episode, David Gourley, CSLP® explains loan forgiveness programs and special payment plans based on your income in simple terms. Whether the loans are yours or your child's, you'll learn who qualifies, important deadlines, and easy tips to manage the debt better. Don’t miss out on key insights to tackle student debt.
Listen and Learn:
Secrets for understanding confusing student loan programsImportant dates and changes you need to know aboutEasy ways to combine loans and plan payments betterWhat's next? New loan forgiveness plans that could help
Check out David’s Linktree Follow David on LinkedInFollow David on TwitterRead: Studentaid.gov Announcement on IDR Waiver Listen: Episode 131: Student Loan Forgiveness with Alexa Kane Listen: How Aspiring Physicians Can Manage Student Loans: https://pearlplan.com/2022/02/15/episode-103-how-aspiring-physicians-can-manage-student-loans/Listen: Episode 103: How Aspiring Physicians Can Manage Student LoansRead: Navigating the Double Consolidation Process for Parent PLUS Loans Read: Changes to Student Loan Planning with the New SAVE (IDR) Plan
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Want to make college more affordable? Listen to this episode with Ann Garcia, CFP® as she explores scholarship funding for college. Discover different scholarship types, application strategies, and the importance of early planning to minimize debt. Make sure you catch these tips to help set up your child's financial future.
Listen and Learn:
Explore three main scholarship types to help reduce college costsHelpful tips to research colleges and find scholarship opportunitiesHow to look for local scholarships to reduce the rising costs of collegeGet ahead of rising tuition fees by using 529 plans
Purchase Ann’s bookCheck out Ann’s website recommendations: College Data and College Navigator.Check out the FAFSA resource pageCheck out’s Ann’s FAFSA resource pageRead: ‘Running Out of Road’ for FAFSA CompletionVisit the CSS ProfileDiscover scholarship directories here and hereAnn Garcia has been featured on three past Women’s Money Wisdom episodesEpisode 170: The Case for 529 Plans for College Savings with Ann GarciaEpisode 132: Paying for College with Ann GarciaEpisode 86: Demystifying the FAFSA Form with Ann Garcia.
Resources: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.
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Social Security has been a staple of retirement planning for past generations. But will it be there for you when you decide to stop working? The cost of a comfortable retirement is rising so understanding how Social Security works is more important now than ever. Join Melissa Joy, CFP®, to learn how Social Security works and how it could impact your retirement.
Listen and Learn:
How Social Security works & how it supports retirement costsMajor misconceptions about Social SecurityCurrent predictions about Social Security & how long it may lastSimple tips to follow to make sure you're ready for retirementResources:
Register: How to Retire Comfortably In Your 50’s: Everything You Need to Know Listen: How to Prepare for an Early RetirementTrustees Report 2024Check Out: Your Social Security AccountRead: Soon To Be Retirees Fail Social Security Literacy Read: When Will Social Security Run Out of Money? Latest Prediction Offers Good NewsRead: Social Security Now Expected To Run Short On Funds In 2035, One Year Later Than Previously Projected, Treasury SaysLinks 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.
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Melissa Joy, CFP® and Cathy Curtis, CFP®, dive into a serious topic: financial fraud against elders. Cathy explains that while scammers try to trick seniors into giving them money illegally, there are many ways to spot these scams and keep your elderly loved ones safe.
Listen to gain the know-how and tools to avoid fraud smoothly as you or your loved ones get older.Listen and Learn:
The common scams being used today to steal from eldersWarning signs that may indicate an elder has already fallen victim to fraudWhat to do if you think a loved one's money was taken by scammersResources and organizations dedicated to preventing elder financial abuseResources:
Check out Cathy’s Firm Follow Cathy on LinkedInFollow Cathy on InstagramRead Cathy’s Op-Ed in CNBC Listen to Episode 59: Inheritance Mistakes with Cathy Curtis Monitor fraud with EversafeHow to report Cyber CrimeWhere to report FraudCheck out Cyber Seniors
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. -
Do you dream of retiring early? Planning carefully is an important part of ending full-time work ahead of schedule. The path to early retirement is different for everyone - you have to look at your unique situation and decide your own goals. Alternatively, some people need to retire earlier than they intended to, so it's smart to have a strong retirement plan in place in case something unexpected happens.
Melissa Joy discusses ways to access your retirement savings without penalties if you retire before the traditional retirement age and different options to consider for an early retirement strategy.
With proactive planning and a good mindset, early retirement may be a possibility for you regardless of what inspires you to stop working.
Listen and Learn:
Why it's important to plan ahead for early retirementStrategies for accessing retirement funds earlyWays to grow your savings and income for an early exitHow to prepare for a fulfilling life without workResources:
Register for our June Webinar: How to Prepare for an Early Retirement Retirement Readiness Reports Retirement Statistics by Gender Pew Research Retirement Studies Watch our 2023 Retirement Readiness Webinar Replay Listen to Women’s Money Wisdom Episode 49: Visualizing RetirementLinks 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.
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