Episodes
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Ever wondered how to embrace the holiday season with more joy and less stress?
In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® dives into the pressures of holiday obligations and the transformative power of letting go of perfection. Drawing from her own holiday experiences, including cherished traditions at Greenfield Village, Melissa shares how prioritizing joy can create a more fulfilling season.
We explore how social media and personal standards fuel comparison, often leading to stress, and how shifting focus to what truly matters can change both your holidays and your financial mindset. The conversation highlights how women, in particular, can navigate added holiday expectations with grace and confidence.
Beyond holiday traditions, we tackle how comparison impacts financial decisions and overall well-being. By embracing imperfection, you can not only manage holiday pressures but also apply these lessons to everyday life, including how you approach money and lifestyle choices.
Listen and Learn:
Finding Joy in Imperfection: Let go of comparison and embrace your unique journey.Prioritizing What Matters: How small changes can create a more meaningful holiday season.Navigating Financial Pressures: Insights on how comparison impacts financial decisions.Everyday Lessons from Holiday Experiences: Apply these strategies year-round to enhance well-being.Join us as we celebrate the beauty of imperfection and discover ways to make the holiday season—and life—a more joyful and fulfilling experience. Tune in today!
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://pearlplan.com/
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Ever wondered how to navigate retirement planning with both financial security and personal fulfillment in mind?
In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar and author of How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Christine shares her approach to retirement planning, highlighting strategies like annuities, cash flow management, and balancing time-tested methods with innovative ideas. Gain insights into navigating retirement complexities with an open mind and a strategic outlook.
We delve into managing retirement finances, including equity compensation, tax strategies, and post-retirement financial decisions. Christine provides actionable tips on handling restricted stock units (RSUs), Roth conversions, and optimizing portfolios based on risk tolerance and long-term goals. Generational lessons and past market experiences add valuable perspective.
Christine also emphasizes balancing financial planning with personal fulfillment. Inspired by real-life stories, we discuss aligning work with passions, transitioning gradually into retirement, and making intentional choices for a meaningful future.
Listen and Learn:
Holistic Retirement Planning: Key strategies like annuities and cash flow management for financial stability.Smart Tax and Investment Moves: Tips on RSUs, Roth conversions, and portfolio optimization.Generational Insights: Lessons from past market downturns and diverse viewpoints.Purposeful Living: Align financial plans with personal passions for a fulfilling retirement.Join us for practical advice and inspiration to help you create a secure and meaningful retirement. Tune in today!
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://pearlplan.com/
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Missing episodes?
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What Financial Moves Should Women Prioritize as 2024 Comes to a Close?
As the year winds down and the political landscape shifts under the anticipated policies of President Trump, Melissa Joy, CFP®, CDFA®, unpacks the key financial strategies women should focus on to optimize their year-end planning. With potential changes to tax policies—including adjustments to the standard deduction and estate tax limits—Melissa offers expert insights to help you navigate the complexities and prepare for a prosperous 2025.
This episode dives into actionable tactics, from maximizing retirement contributions to making strategic property tax decisions, all aimed at setting a strong financial foundation. Additionally, Melissa explores innovative ways to maximize your charitable giving, leverage tax advantages, and celebrate your financial achievements during this reflective season.
Key Takeaways:
Navigating Potential Tax Changes: Understand how upcoming shifts in tax policies, including the standard deduction and estate tax limits, might impact your financial plans and what steps you can take now to stay ahead.Year-End Tax Optimization Tactics: Learn how to maximize your retirement contributions, make strategic decisions about property tax payments, and take advantage of key deductions before the year ends.Smart Charitable Giving Strategies:Explore the benefits of donor-advised funds and Qualified Charitable Distributions for retirees over 70½.Discover how to utilize the $17,000 annual gift tax exclusion to benefit loved ones.Consider gifting appreciated stock to reduce capital gains taxes while making a meaningful impact.Reflecting on Wins and Giving Back: Celebrate your financial achievements in 2024 and explore heartfelt ways to give during the holiday season that align with your values and goals.Whether you’re preparing for changes in tax laws, planning your charitable contributions, or reflecting on your financial journey, this episode is filled with actionable tips to help you end the year strong and step into 2025 with confidence.
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://pearlplan.com/
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In this heartwarming Giving Tuesday episode, Melissa Joy, CFP®, explores the profound connection between gratitude, philanthropy, and personal well-being. Delving into the science and practice of thankfulness, Melissa highlights how cultivating a gratitude mindset can reshape your financial habits, reduce stress, and bring deeper fulfillment to your life.
Key Takeaways:
The Power of Gratitude: Discover research-backed ways gratitude can reduce anxiety, improve mood, and enhance overall life satisfaction.Philanthropy as a Gratitude Practice: Learn how incorporating charitable giving into your financial strategy can align your wealth with your values and bring greater purpose to your resources.Practical Gratitude Strategies: Explore simple techniques like journaling, reframing challenges, and celebrating small wins to foster a positive mindset.Overcoming Challenges to Gratitude: Acknowledge that gratitude isn’t always easy, especially during difficult times, and gain insights on how to approach it when facing trauma, loss, or life transitions.This episode is an invitation to reflect on the role gratitude plays in your financial and emotional health, especially during the holiday season. Whether through intentional giving or personal practices, discover how gratitude can set the stage for a more prosperous and fulfilling life.
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://pearlplan.com/
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What if wealth isn’t just about numbers?
In this transformative episode, Melissa Joy, CFP® is joined by Dr. Daniel Crosby to discuss his latest book, The Soul of Wealth. With 50 thought-provoking essays, Dr. Crosby redefines wealth as more than financial figures—highlighting its connection to personal values, mental wellness, and meaningful living. Together, they navigate the powerful intersection of wealth and well-being, offering insights that will inspire you to approach financial planning in a way that aligns with your core values.Key Takeaways:
Redefining Wealth: Learn how The Soul of Wealth shifts the narrative from dollars and cents to a deeply personal and fulfilling approach to financial success.The Impact of Comparison: Discover how the life of Vincent Van Gogh offers a cautionary tale about the effects of comparison on financial and mental well-being.Choosing the Right Reference Class: Dr. Crosby and Melissa share strategies for focusing on personal growth by reframing your reference points and eliminating unhealthy comparisons.Women in Finance: Explore the unique strengths women bring to investing, and how challenging outdated stereotypes can empower financial decision-making.The Role of Gratitude and Giving: Be inspired by stories from The Soul of Wealth that emphasize the power of gratitude and generosity in fostering a healthier relationship with money.Resources:
Buy Daniel's Book Here
Follow Daniel on LinkedIn
Learn More about DanielThe 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://pearlplan.com/
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Have you ever felt like you’re not good enough, or that your accomplishments don’t really belong to you?
In this episode, Melissa Joy, CFP® dives deep into the topic of imposter syndrome with coach and speaker L.J. Gamble, who shares her personal journey with self-doubt and offers powerful strategies to manage it.
Together, they explore what imposter syndrome is, how it affects women in particular, and what you can do to keep it from holding you back in your career and personal life. L.J. emphasizes the importance of celebrating achievements, finding purpose, and reshaping limiting beliefs—all key steps in building confidence and reclaiming your self-worth.Key Takeaways:
Understanding Imposter Syndrome: Many people struggle with imposter syndrome without realizing it. Acknowledge Self-Doubt: Recognizing and accepting self-doubt is the first step to overcoming it. Management, Not Cure: The goal is not to “cure” imposter syndrome but to learn strategies for managing it effectively. Celebrate Achievements: Regularly acknowledging accomplishments builds confidence and resilience. Impact on Growth: Imposter syndrome can be a significant barrier to both financial and professional advancement. Creating a ‘Hindsight Board’: Visualizing past successes through a ‘hindsight board’ reinforces self-worth. The Role of CBT: Cognitive Behavioral Therapy (CBT) can help change negative thought patterns and boost self-esteem. Finding Purpose: Discovering one’s purpose is a cornerstone of personal fulfillment. Workshops for Change: Engaging in workshops and conferences can lead to meaningful personal growth. Empowerment Conference: The upcoming mini-conference is designed to empower women, encouraging them to set and achieve their long-term goals.Resources:
Learn about LJ on her website
Connect with LJ on FacebookThe 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://pearlplan.com/
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How can we manage the heavy responsibilities of family caregiving without sacrificing our own financial and emotional health?
In this heartfelt episode, Melissa Joy, CFP®, CDFA® sits down with Danielle Miura, CFP®, MSFP, EA, with first-hand experience navigating the complexities of caregiving after her grandmother’s fall. Together, they delve into the emotional and financial challenges faced by caregivers and share practical strategies for managing medical care, logistics, and the personal sacrifices that often come with this role.Danielle shares powerful insights from her journey and offers tools to support caregivers in prioritizing their own well-being. Whether you’re caring for a family member with dementia or an adult child with special needs, this episode provides a wealth of resources to help you balance these responsibilities while maintaining your health and happiness.
Key Takeaways:
Prioritizing Self-Care: Discover the importance of setting aside time for yourself and implementing self-care practices, like journaling and meditation, to stay grounded amidst caregiving duties. Understanding Different Caregiving Roles: From supporting elderly family members to helping children with special needs, Melissa and Danielle explore the unique challenges each role presents. Setting Boundaries & Future Planning: Learn about the crucial role of caregiver agreements, boundary-setting, and long-term care insurance for both peace of mind and practical financial planning. Communication & Role Clarity: Danielle emphasizes the need for open, clear communication among family members to reduce stress and ensure smooth coordination of care.Resources:
Follow Danielle on LinkedINFollow Danielle on X
Follow Danielle on Instagram
Follow Danielle on Facebook
Learn more about Danielle Interviews
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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://pearlplan.com/
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In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, dives into the importance of maintaining the right mindset on election day and how political outcomes can affect investment decisions. Drawing from her experiences with clients during past elections, Melissa discusses how political shifts often trigger anxiety and the impulse to react quickly—yet emphasizes the crucial value of focusing on a long-term perspective in investing.
Melissa highlights how conventional wisdom about political impacts on markets can often be misleading, noting surprising areas of growth in sectors like alternative energy, despite changing administrations. She also provides actionable strategies to help listeners manage stress, stay focused on what they can control, and adopt a "glass half full" approach to economic growth, especially with the upcoming election on the horizon.
Listen and Learn:
How to set a stable, positive mindset on election day. The ways political changes influence investor emotions and decisions. Why maintaining a long-term investment focus is key, regardless of short-term political shifts. The unpredictable nature of market reactions to elections and why conventional wisdom often falls short. The benefits of staying invested across administrations for long-term financial success. Practical strategies for managing stress and staying resilient through uncertain times.Join Melissa for an empowering discussion on how a well-thought-out investment process, combined with a positive outlook, can help you navigate economic challenges with confidence.
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://pearlplan.com/
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Ever wondered how to manage your hair care routine without stretching your budget too thin?
In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Jessica Hawkins, a top stylist and trainer at HJem Beauty, to break down the secrets to smarter hair care budgeting. Jessica shares her expert advice on how to seamlessly weave personal care expenses into your financial plan while still enjoying the hair care you deserve.
Jessica dives into the art of open conversations about hair maintenance costs, offering practical tips whether you're a frequent salon-goer or someone who prefers the occasional visit. She’ll help you feel confident in making informed financial decisions, all while keeping your hair looking fabulous.
Listen and Learn:
How to approach personal care budgeting, especially when it comes to hair maintenance. Expert advice on maintaining blonde hair without breaking the bank. Pros and cons of home color applications as a cost-saving alternative. A sneak peek at the upcoming hair trends for winter 2024-25 and how economic factors may influence your salon booking decisions.Join us for a practical and engaging conversation, packed with beauty wisdom and financial savvy. Whether you’re balancing a high-maintenance hair color or just curious about the latest trends, this episode offers valuable insights from the vibrant world of HJem Beauty.
Tune in to discover how to stay gorgeous while making smart financial choices for your personal care!
Resources:
Follow Jessica on Instagram HJem’s Instagram The average woman spends $877 on beauty – surveyThe 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://pearlplan.com/
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What if resilience and strategic thinking could turn the impossible into reality? In this episode, Melissa Joy, CFP®, CDFA® takes us on an inspiring journey through the Detroit Tigers’ rollercoaster 2024 season. With a 0.2% playoff chance at one point, the Tigers made a stunning comeback under the expert leadership of manager AJ Hinch. But this story goes beyond the world of sports—Melissa draws meaningful connections between the Tigers’ success and essential financial principles that can help you in your personal financial journey.
We explore how perseverance, teamwork, and adaptability played a crucial role in the Tigers’ turnaround and how those same traits can power your financial planning. By embracing probabilities over certainties, this episode offers insights on how to approach challenges—whether on the field or in life—with a mindset geared toward progress and success.
Listen and Learn:
The Tigers’ astonishing 2024 season comeback and what it teaches about resilience. How manager AJ Hinch’s strategic leadership mirrors the role of a financial advisor. Why embracing probabilities instead of certainties can revolutionize your financial planning, especially in times of economic uncertainty. The parallels between sports perseverance and building a financial plan that endures setbacks. Strategies for staying positive and maintaining a long-term perspective during financial challenges.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://pearlplan.com/
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Curious about how your fashion choices affect your wallet and the planet? In this episode, Melissa Joy, CFP®, CDFA® sits down with Marcie Greene, a sustainable fashion advocate and adjunct assistant professor at the Fashion Institute of Technology, to explore the connections between fast fashion, personal finances, and environmental sustainability. From her retail beginnings to her passion for eco-consciousness, Marcie shares her insights into how consumers can rethink their buying habits and take small steps toward a more sustainable wardrobe.
We dive deep into the hidden dangers of PFAS chemicals often found in everyday clothing, revealing how brands like Patagonia are leading the charge to reduce their impact. Marcie also highlights essential tools such as Good On You and Eco Cult, which can help consumers make informed decisions about sustainable brands, while emphasizing the broader issues of PFAS pollution and human rights in global supply chains.
Are you a fashion lover overwhelmed by fleeting trends? We’ve got you covered! Marcie talks about the joy of vintage shopping and resale platforms like Vestiaire Collective, The RealReal, and Poshmark, providing practical tips for resisting trend-driven shopping and making mindful luxury purchases that reflect personal style. Learn how "shopping your closet" and renting outfits for special occasions can be both financially savvy and environmentally friendly.
Listen and Learn:
The hidden costs of fast fashion on both your finances and the environment. What PFAS chemicals are and how sustainable brands like Patagonia are combating them. Key resources like Good On You and Eco Cult to help you identify eco-friendly fashion brands. The growing influence of vintage and resale markets, including Vestiaire Collective, The RealReal, and Poshmark. Simple strategies to build a sustainable wardrobe, such as "shopping your closet" and renting outfits.Resources:
Connect with Marcie on LinkedInThe 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://pearlplan.com/
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The financial and economic impact of menopause is often overlooked, but the numbers are staggering. With 75 million American women in menopause and more than two-thirds of them active in the workplace, the Mayo Clinic reports productivity losses of $1.8 billion and related health care costs reaching an additional $24 billion.
The economic impact of menopause on women in the workforce and healthcare costs. Why it's crucial to take control of your financial and physical well-being before and during menopause. The importance of addressing the stigma around menopause in the workplace.
In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, welcomes back friend of the show, Julia Carreon. Together, they explore the stigma surrounding menopause and emphasize the importance of taking control of your health and finances before and during menopause. Melissa and Julia also share personal insights on career pivots they’ve made that coincided with health transitions, shedding light on the intersection between menopause, career, and financial well-being.
This episode is an invaluable resource for women navigating menopause and for those who support them, including partners, family members, employers, and even financial planners.
Listen and Learn:Resources:
Beyond Hot Flashes: A Deep Dive Into Menopause, Work, and the Economy: Forbes Article AARP Economic Impact of Menopause: AARP Study Hal Hershfield’s Book: Book Link Dr. Mary Claire Haver’s: Website | Instagram Menopause Practitioner DirectoryThe 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://pearlplan.com/
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Ever felt like you're drowning in the quest to have it all?
Join Melissa Joy, CFP®, on this episode of the Women's Money Wisdom Podcast, where she sits down with Michelle Gauthier, a professional life coach and host of Overwhelmed Working Woman. Michelle shares her transformative journey from a high-pressure finance career to a more intentional and balanced life. Together, they explore the societal pressures that often tie self-worth to external achievements and reveal how shifting priorities can lead to a more fulfilling existence.
Michelle also delves into the art of setting boundaries, highlighting the power of saying no and breaking free from scarcity mentality. You’ll gain practical insights on making deliberate choices, aligning commitments with your lifestyle, and overcoming the fear of regret when making decisions.
Finally, Melissa and Michelle discuss the intersection of financial planning and life balance, showing how seeking professional guidance can simplify life's complexities. Melissa shares her personal experience of planning a life-changing trip to Europe with her teenagers, thanks to strategic financial planning and mindset shifts.
Listen and Learn:
How setting boundaries can create space for a more fulfilling life The impact of scarcity mentality and how to overcome it Practical strategies for aligning your commitments with your desired lifestyle How financial planning can contribute to both personal and professional fulfillmentResources:
Learn more about Michelle on her website here Connect with Michelle on Facebook Connect with Michelle on LinkedInThe 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://pearlplan.com/
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Curious about how corporate responsibility and ethical investing can help shape a better future? Join Melissa Joy, CFP®, as she sits down with William F. Schulz, former Executive Director of Amnesty International USA, to uncover how ESG (Environmental, Social, and Governance) investing has the potential to impact both business and society.
In this episode, Bill shares insights from his memoir Reversing the Rivers and discusses the pivotal moments in history that have fueled the rise of ESG investing—from the fight against apartheid to addressing the challenges of labor trafficking. Together, they explore why ethical practices in supply chains are not only morally right but also beneficial for long-term business success.
Melissa and Bill also dive into the performance and misconceptions surrounding ESG investing, comparing the returns of Vanguard’s ESG Investment Index (ESGV) with the Vanguard 500 Index. They break down the ethical considerations in industries like for-profit prisons and worker safety, and take a closer look at the growing prominence of responsible investing in Western Europe.
Listen and Learn:
How corporate responsibility has evolved and influenced the rise of ESG investing Why ethical supply chains are both a moral and financial necessity for businesses The performance of ESG funds versus traditional index funds Misconceptions about ESG investing, including its impact on industries like for-profit prisons How responsible investing is gaining traction in Western Europe and beyondThis episode is packed with actionable insights to help you align your investments with your values, navigate ethical considerations in finance, and make informed financial decisions that support both your goals and the greater good.
Learn more about William here Order William's book "Reversing the Rivers"
Resources: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://pearlplan.com/
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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
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://pearlplan.com/
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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 education
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://pearlplan.com/
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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
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://pearlplan.com/
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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
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://pearlplan.com/
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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
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://pearlplan.com/
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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 situa
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://pearlplan.com/
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