Episódios
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What if doing absolutely nothing during a market downturn was actually the best financial move you could make? In this episode of Financially Ever After, Stacy Francis sits down with Matt Haertzen - Chief Investment Officer at Francis Financial - to dive deep into how to handle market volatility without letting fear drive your decisions. When markets dip, it's easy to panic, but Matt and Stacy highlight how staying calm and sticking to your investment plan can help you not just weather the storm, but come out ahead.
They explore the importance of staying invested through the ups and downs, how to avoid making emotional mistakes, and why focusing on the long-term can ultimately be more rewarding. In a world full of uncertainty, it’s more important than ever to know how to make smart decisions that will benefit your future, even if the road to get there feels a little bumpy.
You’ll hear them discuss:
Why reacting emotionally during a market drop could cost you more in the long run and why staying calm is key
Why markets have historically bounced back and why it's essential to focus on the bigger picture, especially when things feel uneasy
The importance of staying invested for the long haul and how volatility can be an opportunity if you’re prepared
How strategies like tax-loss harvesting and Roth conversions can actually work in your favor when markets are down
The psychological impact of market swings and how to manage your emotions to avoid costly mistakes
Simple yet effective steps to manage your finances during uncertain times without sacrificing your goals
Why diversification is crucial and how expecting every part of your portfolio to perform perfectly all the time is unrealistic
Real-life insights into why reacting to market drops, like during the 2008 financial crisis, can leave you worse off in the long run
Resources
Matt Haertzen on the Web | LinkedIn
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Is skimping on employment taxes worth the risk? Think again! The IRS is watching, and the consequences could be severe. From personal liability to potential criminal charges, tax attorney Megan Brackney breaks down what you must know about payroll tax compliance—and what happens if you get it wrong. Think an IRS notice is something you can ignore? Not so fast. Failing to respond could mean escalating penalties, wage garnishments, or even asset seizures.
Failing to pay your taxes—or even unknowingly making mistakes—can lead to serious consequences. In this episode of Financially Ever After Widowhood, Stacy Francis sits down with Megan Brackney, a leading tax controversy attorney, to unpack the dangers of employment tax issues, IRS audits, and how to handle tax troubles before they spiral out of control. Whether you’re a business owner, someone dealing with tax issues from a former spouse, or just trying to stay on the right side of the IRS, this episode is packed with invaluable insights and actionable advice.
You'll hear them discuss:
Why employment tax fraud is taken more seriously than personal tax evasion – When you withhold payroll taxes, you’re holding money in trust for your employees and the government. Failure to pay is viewed as theft, making it one of the IRS’ top enforcement priorities.
The IRS’ six-year (or even unlimited!) statute of limitations on tax fraud cases – Just because you haven’t been caught yet doesn’t mean you’re in the clear. The IRS has years to investigate, and in cases of fraud, there’s no time limit at all for them to come after you.
How unpaid payroll taxes can personally impact business owners, CFOs, and controllers – The IRS can go after individuals within a business under the responsible person penalty, making them personally liable for unpaid taxes. If you’re in a leadership role, you must ensure payroll taxes are properly handled.
The real-life regrets of those who got caught—and why it never pays off – Megan shares stories from 20+ years in tax law, revealing how every client who thought they could outsmart the IRS deeply regretted it once they faced penalties, legal fees, and sleepless nights.
Innocent Spouse Relief—what it is and how it can protect you from a former spouse’s tax mistakes – If you’re facing tax liabilities from an ex-spouse’s wrongdoing, you may not have to pay. Learn what qualifies for Innocent Spouse Relief and how to apply.
Practical steps to take if you receive an IRS notice (hint: open it, don’t panic!) – Ignoring IRS letters only makes things worse. Megan explains how to read your notice, understand what’s being asked, and take action before penalties escalate.
How to communicate with the IRS to avoid aggressive collection tactics – Many people fear bank levies and wage garnishments, but staying in contact with the IRS and showing good faith can often prevent the harshest consequences.
Taxpayer rights you didn’t know you had – The U.S. has strong taxpayer protections, but many people don’t realize what they’re entitled to. Megan covers important rights, including appeal options, installment agreements, and offers in compromise.
Why procrastination makes tax problems exponentially worse – The longer you wait, the more interest and penalties pile up. Megan shares key steps to take immediately if you suspect a tax issue, even if you can’t afford to pay the full amount.
How tax issues can impact your financial future, credit, and even your passport – Owing the IRS isn’t just a money problem—it can affect your ability to get business loans, travel, and plan for retirement. Learn how to mitigate long-term consequences.
Resources
Megan Brackney on the Web | LinkedIn
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
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How do you navigate the overwhelming challenges of supporting a loved one dealing with mental illness or substance abuse when the systems meant to help are failing? And how can you be sure you’re making the right choices when it feels like everything is stacked against you?
In this powerful episode of Financially Ever After, Stacy Francis sits down with Lisa Herman, a seasoned mental health attorney who guides families through some of life’s most difficult situations—mental health crises, substance abuse struggles, and complex family dynamics. Lisa shares her personal journey and professional insight, revealing the emotional and legal challenges that families often face. Together, they discuss the crucial resources and strategies that can make a difference when dealing with a loved one’s mental health or addiction issues. Lisa’s experience gives a unique perspective on how to act quickly, thoughtfully, and with care in times of crisis.
You’ll hear them discuss:
The challenges of navigating mental health and substance abuse systems, and why it often feels like families are flying blind without proper guidance.
Lisa’s personal journey of losing her husband to cancer and how it shaped her understanding of crisis and family support.
The importance of acting quickly and seriously when a loved one expresses harmful intentions, and how to identify when immediate intervention is needed.
The legal mechanisms available to families, including guardianship, Kendra’s Law, and the assisted outpatient treatment law to help manage loved ones with severe mental illness.
How to avoid enabling destructive behavior while still showing love and support for a family member going through a crisis.
The delicate balance between helping someone get the treatment they need while preserving family relationships and communication.
Practical advice for reaching out to the right resources, including psychiatric case managers, security personnel, and legal professionals who can step in during critical moments.
Resources
Lisa Herman on LinkedIn | Email I Phone: 914-607-7010
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Are you really prepared for solo aging? Have you thought about who will care for you as you get older? What about where you’ll live, how you’ll afford care, and who will manage your finances if you’re unable to? Too many people wait until an emergency forces them to make these decisions, but planning ahead can give you control over your future and peace of mind. What if you could make choices now that ensure your later years are filled with security, independence, and dignity? In this episode of Financially Ever After, Stacy Francis is joined by Marni Blank, founder of Begin With The End, to discuss the essential steps solo agers (and everyone else!) should take to prepare for the future. From financial planning to housing choices to organizing your digital life, this conversation is full of critical insights.
You'll hear them discuss:
A powerful way to leave a legacy through handwritten letters and how this simple but meaningful act can create deep connections that last beyond a lifetime.
Solo aging realities and why it’s crucial to proactively plan for healthcare, housing, and financial needs before unexpected circumstances force rushed decisions.
The importance of choice in aging and how making key decisions early allows you to maintain control, rather than having others step in when it may be too late.
Where you will live as you age, whether staying in your home, moving to assisted living, or considering other options, and how to determine the right fit for your needs.
Financial planning for long-term care, breaking down the true costs, what options exist, and why starting early can make all the difference in affording quality care.
The digital side of aging, including organizing passwords, documents, and financial accounts so your loved ones aren’t left struggling to access important information.
Why waiting lists matter when choosing senior living communities and how long delays in availability could leave you scrambling for a less ideal option in an emergency.
Resources
Marni Blank on the Web | LinkedIn | Instagram | Email
Free Plan Well Organizer
Free Legacy Project Ideas
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
When facing the loss of a loved one, is there anything worse than being blindsided by legal battles and financial chaos? The last thing you need while grieving is to be buried under probate paperwork, unexpected family conflicts, or financial uncertainty. In this episode, Stacy Francis speaks with grief coach Claire Schwartz about how to prepare ahead of time so that loss doesn’t turn into a crisis.
They discuss the importance of trusts, delaying big financial decisions, and leaning on the right professionals to help you navigate both grief and financial security with clarity and confidence. Claire also shares insights on managing family conflicts that may arise after a loss and how to approach them with a clear mind and a steady heart.
You’ll hear them discuss:
How probate can be costly and emotionally draining, and why setting up a revocable trust can help assets pass smoothly without legal disputes.
Why grief can cloud judgment and the importance of delaying major financial decisions, like selling a home or changing investments, until you're emotionally ready.
The role of self-care in maintaining both mental and financial clarity—why staying hydrated, eating regularly, and getting rest is non-negotiable during grief.
How breaking legal and financial matters into small, manageable steps can help prevent overwhelm and keep you in control.
The benefits of seeking professional guidance from estate attorneys, financial advisors, and grief coaches to bring clarity and peace of mind.
Why having a neutral, outside support system—whether a professional, friend, or therapist—can help process emotions and navigate difficult family dynamics.
The reality that grief is a long journey, and how thoughtful planning and the right support can make it smoother and less overwhelming.
How to handle family conflicts over assets or decisions with preparation, boundaries, and professional support to maintain peace.
Resources
Claire Schwartz on the Web | LinkedIn | Facebook | Email: [email protected] or [email protected]
Phone: 973-826-2682
Book: Putting out the Fire by Claire Schwartz
Schedule a No-Cost Client Consultation
Fearless Grieving to Fearless Living 3-Month Portal Program
Organizational Support
Stacy Francis on LinkedIn | X(Twitter) | Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
After losing a spouse, how do you regain financial confidence and ensure long-term security? Losing a spouse can leave widows feeling overwhelmed, especially when it comes to finances. But taking control doesn’t have to be daunting—it can be empowering. In this episode, Stacy Francis and Natalie Colley share five key financial resolutions to help widows navigate money decisions with confidence in 2025. From understanding cash flow to making smart investment choices, they break down practical steps for creating financial security and peace of mind.
You’ll hear them discuss:
Why estate planning mistakes can be costly and how to choose the right executor and attorney to avoid complications.
How tracking cash flow (rather than strict budgeting) helps widows feel more in control and prepared for financial changes.
The 50/30/20 rule as an easy framework for balancing needs, wants, and savings, ensuring a sustainable spending plan.
Helpful budgeting tools like You Need a Budget and Good Budget to simplify tracking expenses without feeling overwhelmed.
Why reviewing your investment portfolio is crucial after a spouse’s passing and how to ensure it aligns with your new financial needs.
The hesitation many widows feel about managing investments and how taking control of their portfolio leads to greater financial empowerment.
Why 80% of widows leave their late spouse’s financial advisor and how to find a fiduciary, fee-only, independent advisor who truly supports your goals.
Studies and data - studies show a widow’s income drops on average by 35% after the loss of a spouse, 56% of widows feel less financially secure after their spouse passes away and 80% of widows leave their husband’s financial advisor within one year, often due to feeling unheard or not involved in the relationship.
Key financial decisions that need attention sooner rather than later, including tax-saving opportunities widows should be aware of.
Resources
Natalie Colley on the Web | LinkedIn
Recommendations Fee Only Network | NAPFA | Five Financial Resolutions for Widows 2025 | YNAB | Good Budget
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Ever wondered if there’s a secret recipe for reducing your tax burden without sacrificing your long-term financial health? Could your estate planning be leaving money on the table? In this episode of Financially Ever After, Stacy Francis is joined by the brilliant Dahiema Grant, CPA and tax expert, to unravel the intricacies of tax planning and estate strategies. From the basics of income taxes and capital gains to the more complex topics like estate taxes and inheritance planning, Dahiema walks us through strategies that can help you optimize your financial future—whether you're a female entrepreneur or someone navigating personal tax scenarios. With practical advice and a clear focus on the green zone of financial health, Dahiema ensures that you don't have to do it alone when it comes to taxes and estate planning.
You'll hear them discuss:
How understanding tax planning can make a huge difference in your financial future, particularly the difference between income taxes, capital gains, and how each affects your investments. Dahiema explains how proactive planning can help reduce your overall tax burden and maximize your wealth.
The importance of estate and inheritance tax planning, and why it’s crucial to understand how your estate will be taxed when it’s passed down. Even if you think your estate is far from the $13.6 million threshold, Dahiema reveals why filing an estate tax return may still be beneficial to capture exemptions that would otherwise be lost.
The "portability provision," which allows the surviving spouse of an estate to use the unused portion of the deceased spouse’s estate tax exemption. This little-known rule can provide a significant benefit by increasing the amount a surviving spouse can pass on tax-free, potentially saving millions.
How different states have vastly different estate tax rules and exemption limits, and why it’s critical to be aware of these when making estate planning decisions. Dahiema highlights examples like New York’s lower exemption levels and explains why some people choose to relocate to states with more favorable tax policies, like Florida.
Why building a team of professionals—including an accountant, tax advisor, and financial planner—can make all the difference when navigating the complexities of taxes, estate planning, and wealth management. You don’t have to go it alone, and Dahiema emphasizes the value of having the right support system.
The strategy of gifting assets during your lifetime to reduce your taxable estate. Dahiema discusses how this can be a powerful tool, especially for those concerned about estate taxes, but also explains how to balance gifting with the need to maintain financial security for yourself.
Resources
Dahiema Grant on LinkedIn I Web
Email: [email protected]
Phone: 917-309-8574
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
What if learning to say “no” could be the most powerful form of self-care you ever practiced? In this inspiring episode of Financially Ever After, Stacy Francis chats with Debbie Weiss, author of On Second Thought, Maybe I Can and The Sprinkle Effect, about the power of setting boundaries, prioritizing self-care, and living with greater intention. Debbie shares her personal journey of caregiving while pursuing her own growth, offering practical advice for anyone feeling overwhelmed or stretched too thin.
You’ll hear them discuss:
Why saying "no" can be one of the most powerful forms of self-care, especially for caregivers, people-pleasers, and those who feel stretched too thin. Debbie explains how to recognize when it’s time to decline requests — and how to do it without guilt.
How the 24-hour rule for commitments can stop you from over-scheduling yourself. Instead of agreeing on the spot, Debbie suggests giving yourself space to reflect on what truly aligns with your priorities.
Why self-care isn't just massages and manicures. Debbie's decision to learn something new during a caregiving crisis led to an unexpected sense of fulfillment and purpose. She shares how learning and growth can be a powerful form of self-care.
The hidden cost of attending social events you don’t want to go to. If you've ever said "yes" to a dinner only to regret it the moment you arrive, you'll relate to Debbie's story. Learn how to gracefully say no and avoid the "why did I agree to this?" feeling.
How to live intentionally, even when life is chaotic. Debbie shares how she committed to writing her book during one of the most challenging times of her life. Her story shows that even in tough seasons, small, consistent steps can lead to big results.
Why taking care of yourself is the opposite of selfish. Debbie reminds us that if you burn out, the people who rely on you suffer too. Her advice will reframe the way you think about self-care.
How to break free from people-pleasing tendencies. If you struggle to say no because you don’t want to disappoint others, Debbie’s simple strategies — like not over-explaining your "no" — will give you a new perspective.
An inside look at Debbie’s new books, The Sprinkle Effect and its companion workbook. These hands-on tools offer exercises and reflections to help you create a more colorful, fulfilling, and intentional life.
Resources
Debbie Weiss on the Web | LinkedIn | Facebook | Facebook Group | Instagram | TikTok | YouTube | Maybe I Can Podcast | Email
Debbie’s Books: The Sprinkle Effect Book, On Second Thought…Maybe I Can
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Welcome to Financially Ever After Widowhood. As we’re in the heart of the holiday season, we know this time of year can bring both cherished memories and difficult emotions, especially for widows navigating loss. Today, we’re bringing back one of our most impactful episodes from last year, featuring Cognitive Behavioral and Grief Coach Jordan Schwartz Hendin.
We hope this special replay offers comfort, guidance, and a reminder that you’re not alone. Thank you for tuning in, and we wish you peace and support this holiday season. Let’s revisit this incredible episode.
Jordan draws from her personal experiences with grief, having lost her own mother at a young age and supporting her widowed grandmother through multiple losses. Now a professional coach, she works with women struggling with grief and major life transitions. In this week’s show, Jordan and Stacy explore handling loss and loneliness, honoring traditions, and staying financially sound.
The holidays can bring up complex emotions such as sadness, anger, and loneliness. This is normal after a major loss.
Avoid unhealthy coping strategies like becoming an "isolator" or "doer." Don't overcommit to events or hide away alone.
Reflect on your core values. Focus on traditions that align with what matters most, like family time.
Make new memories and experiences, especially with children. Gift experiences rather than material items.
Have open conversations with family about your grief. Don't pretend to be okay if you're not.
Manage your finances by focusing on your values, not material possessions. Stick to a budget for holiday gifts and activities.
You don't have to navigate the holidays alone. Seek support from family or a grief counselor during this difficult time.
Resources
Jordan Schwartz on Website | Instagram | Email | Phone: 917-947-6037
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
How can you navigate the emotional complexities of the holiday season, set financial boundaries, and plan for a secure financial future after the loss of a spouse? In this insightful episode, Kim Murray, founder of Widow411, shares valuable financial strategies and emotional insights for widows. She discusses how to handle holiday spending, set healthy financial boundaries, and plan for long-term financial goals, all while coping with the challenges of grief.
You’ll hear them discuss:
The emotional pressure to overspend during the holidays and making clear boundaries around gift-giving and social events are crucial. By being intentional about your spending, you can avoid financial stress and emotional burnout during a challenging time.
How material gifts or excessive spending cannot heal emotional pain. Kim encourages widows to be mindful of emotional spending during the holidays and to focus on meaningful ways to celebrate without breaking the bank.
The importance of "paying yourself first." By automating savings (such as maxing out your 401(k) or contributing to an emergency fund), you ensure that your financial goals are a priority, even before paying other bills. This sets a solid foundation for long-term security.
Having separate accounts for specific purposes—such as travel or holiday spending - gives you peace of mind. It helps keep track of your funds and ensures that you don't overextend yourself financially while trying to fund multiple priorities.
Planning for future expenses like car maintenance and retirement. Breaking down long-term financial goals into manageable chunks, like setting aside money for a Roth IRA or emergency savings, makes them feel more achievable.
The importance of having an emergency fund to avoid relying on credit cards when unexpected expenses arise. This is an essential step in gaining control over your finances and avoiding unnecessary debt.
Funding an HSA and how HSAs can be a valuable tool for saving money for medical expenses. HSAs grow tax-free and can also be used in retirement, making them a flexible savings option.
Resources
Kim Murray on the Web | LinkedIn | Instagram | Pinterest | Email
The Ultimate Survival Guide for Widows - helps widows manage and complete the crushing list of to-dos after a spouse dies. It offers step-by-step instructions for essential tasks like managing finances, closing accounts, and navigating Social Security benefits, taxes, and insurance. Practical tools like fillable templates, checklists, and worksheets to simplify complex tasks empower widows to take control and get things done.
Stacy Francis on LinkedIn | X(Twitter) | Email
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
What steps can you take to prepare for potential tax changes and secure a financially stable future? In this episode of Financially Ever After Widowhood, Stacy Francis sits down with tax expert Deborah Schaub to break down the complexities of the Tax Cuts and Jobs Act and share actionable strategies to maximize savings and navigate tax planning in a rapidly shifting economic landscape. From understanding current laws to preparing for future uncertainties, this conversation equips you with the tools to make smarter financial decisions today.
Listen in as they discuss:
Key provisions of the Tax Cuts and Jobs Act, how they impact individuals and business owners, and what might change in the coming years.
Why Roth IRA conversions are powerful tools for tax-free growth and how to use them strategically.
The importance of analyzing your tax bracket to avoid costly mistakes, such as unexpectedly higher taxes or penalties.
Capital gains tax rates: what they are now, what could shift, and how to plan for potential increases.
How inflation continues to bite into budgets and the role taxes play in financial planning.
Balancing today’s tax advantages with future uncertainties through effective tax deferral or realization strategies.
Proactive tax planning tips for individuals and small business owners to save money now and minimize risks later.
Resources
Deborah Schaub on LinkedIn | CNB Accounting Website
Phone: +201-787-6542
Email: [email protected]
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
TCJA Overview: IRS tax reform -
What rights do families truly have when a loved one’s death might have been preventable? In this insightful episode of Financially Ever After, Stacy Francis sits down with Mary Beth Heiskell, a seasoned legal expert in wrongful death cases, to unravel the often-hidden financial and legal challenges families face when tragedy strikes. From the rights of estranged family members in estate claims to practical tips on managing assets and legal appointments, Mary Beth shares indispensable guidance to help families protect their financial future and avoid common pitfalls.
Listen in as they discuss:
How estate rights can affect you. For example, New York state law grants parents, including estranged ones, a potential share of the estate in certain cases, impacting surviving spouses and heirs.
When a spouse wants to serve as the estate administrator, certain family members, such as estranged parents, may need to formally approve the appointment. Planning these steps in advance can help avoid disputes and smooth the process for surviving family members.
Steps for proactive asset management, such as transferring ownership of specific assets—such as vehicles, firearms, or real estate—before a loved one’s passing can greatly simplify the estate process for survivors.
Navigating the complex landscape of wrongful death and estate administration requires specialized knowledge, making expert assistance essential to avoid costly mistakes.
Resources:
Mary Beth Heiskell on LinkedIn
Email: [email protected] and [email protected]
NY - Advance Directories - Make your wishes known and honored
NY - Appoint your healthcare proxy
9.11 World Trade Centre Health Program
WTC Victim Compensation Fund
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Can prioritizing your health make you more financially secure? In this episode of Financially Ever After Widowhood, Stacy Francis speaks with Dr. Gina Williams, a physical therapist and advocate for holistic well-being, about how wellness influences every aspect of our lives, including finances. Together, they explore practical ways to prioritize health and wellness, discussing affordable care options, the impact of stress on the body, and the importance of self-care.
Listen in as they talk about:
Gina shares the link between health and wealth with her holistic approach, emphasizing the connection between wellness and financial stability.
She discusses founding her own practice to offer individualized care tailored to each client’s unique needs.
Gina and Stacy explore how grief and stress can lead to physical pain and why self-care is crucial, especially during challenging times.
Gina highlights ways to make physical therapy accessible, with insurance, telehealth, and flexible scheduling options.
For those feeling overwhelmed, Gina provides simple ways to incorporate movement into daily life, showing that even a few minutes of exercise can have meaningful benefits.
Gina discusses the importance of establishing boundaries at work and in personal life to protect both physical and mental health, especially when dealing with grief or stress.
She shares how small, consistent adjustments to daily routines—like posture corrections and mindful breathing—can lead to significant long-term improvements in physical well-being.
Resources:
Dr. Gina Williams on Website I Physical Therapy I LinkedIn I Podcast | YouTube | Instagram | Facebook
Email: [email protected] I +516-715-2601
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
How to Support Grieving Loved Ones
Are you struggling with grief and seeking support? In this episode of Financially Ever After Widowhood, Hope Reger, a passionate advocate for those experiencing loss, shares her journey and insights on coping with grief with Stacy. She highlights the importance of recognizing the unique challenges that come with grieving and emphasizes the value of genuine connection and support. As the founder of Grief 2 Hope, she provides resources and a safe space for individuals to navigate their grief journey.
Hear them discuss:
Understanding Grief: Grieving is a deeply personal experience, and acknowledging it can be the first step toward healing.
Authentic Support: When helping someone who is grieving, honesty matters—simply saying, "I don't know what to say, but I'm here for you," can be incredibly powerful.
Casserole Therapy vs. Specific Help: While well-meaning friends may offer food, true support comes from specific offers to help, like picking up kids or walking the dog, rather than leaving the burden on the grieving person to ask for help.
The Importance of Ongoing Support: Grief doesn't end after the funeral. Continuing to reach out during significant milestones—like anniversaries or the first day of school—can mean the world to someone navigating loss.
Grief to Hope Program: Open to anyone grieving, this seven-week virtual program provides a supportive community. It covers various topics related to grief and allows participants to share their experiences in a safe space.
Inclusivity of Loss: The program welcomes those grieving any loss, whether it be a partner, child, or friend, emphasizing that all grief is valid.
Free Resources: The Grief to Hope program is entirely free, emphasizing the mission to support anyone in need without financial barriers.
Resources:
Hope Reger on LinkedIn | Website | Facebook | Instagram
Grief 2 Hope on LinkedIn | Facebook
Phone: 937-768-1459
Email: [email protected]
''Grief 2 Hope - A mother's memoir of devastation to determination'' by Hope Reger
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Are you maximizing your tax strategies to avoid costly pitfalls? In this episode of Financially Ever After Widowhood, financial expert, Deborah Schaub, shares with Stacy Francis crucial insights into effective tax planning. With a background working for Fortune 500 companies like Price Waterhouse and IBM, Deborah founded CNB Accounting in 2016 to provide personalized financial advice. She emphasizes that many accountants focus on form-filling rather than strategic planning, a gap she addresses through comprehensive tax planning. Deborah’s philosophy is simple yet profound: truly understanding your finances is key to avoiding unnecessary losses.
Planning for today, next year, and the future can help reduce tax burdens and prepare for financial changes.
A 3.8% tax affects high earners (above $200,000 for singles) at federal, state, and potentially city levels; strategic portfolio management can help minimize this tax.
Surviving spouses may face higher taxes due to changes in their filing status; careful planning can mitigate the impact.
Coordinated planning with financial advisors and CPAs can significantly reduce tax liabilities and manage higher marginal tax rates, especially important for surviving spouses.
Net investment income tax is often underreported, but it can result in significant costs if not managed properly.
As income increases, especially for surviving spouses, higher marginal tax rates can exacerbate financial burdens.
Charitable deductions and bunching strategies are effective ways to reduce taxable income.
Many accountants focus on form preparation rather than strategic planning; proactive tax planning can offer substantial savings.
Staying within legal tax boundaries is crucial, but smart planning can still significantly reduce tax liabilities.
Women facing divorce or the loss of a spouse often need to change accountants to find someone who listens to their unique financial needs.
Understanding taxes and personal finances is key to making informed decisions and avoiding unnecessary financial losses.
Resources:
Deborah Schaub on LinkedIn
Phone: +201-787-6542
Email: [email protected]
CNB Accounting Website
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
Solo agers, people without traditional family supports, are an increasingly common demographic. Dr. Gerda Maissel, a private patient advocate, joins Stacy Francis on Financially Ever After Widowhood to discuss the challenges solo agers face, especially in navigating the healthcare system. Dr. Maissel’s expertise as a physician has led her to help individuals maximize medical relationships and make informed decisions. She emphasizes the importance of preparing for solo aging ensuring access to financial, medical, legal, and mental health resources to maintain quality of life as one ages without family support.
There is a growing demographic of solo agers—those aging without traditional family support.
Dr. Gerda Maissel helps solo agers navigate complex healthcare systems, translating medical jargon and advocating for better outcomes.
It is important to prepare for solo aging, including asking the right questions and making informed decisions.
Solo agers face such as depression, poor nutrition, and substance abuse.
Solo agers need to create reciprocal relationships and secure medical, financial, and legal resources.
Financial planning is instrumental for solo agers. They face financial challenges, particularly single women, and need to plan for healthcare costs.
Dr. Maissel explains the role of a patient advocate in helping individuals navigate their medical needs and coordinate care.
Resources:
My MD Advisor Website | Email | Facebook
Dr. Gerda Maissel on LinkedIn | The Foglight
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
The team at Financially Ever After is taking a brief summer pause to line up an amazing new series of guests for you in the fall. So relax, enjoy the end of the summer, and if you have some time, catch up on any episodes you've missed! You'll find the entire archive at FrancisFinancial.com/Podcast. We'll be back on September 17th.
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Paula Jones, a trust and estate attorney, discusses the complexities of estate planning and taxation for U.S. citizens with international assets or family members abroad. She highlights the U.S. system of taxing worldwide income and assets, in contrast to other countries' residency-based taxation. Paula also talks about other subjects she specializes in - gifting to foreign beneficiaries, managing dual jurisdiction tax laws, and considerations for U.S. citizens living or retiring abroad. The importance of coordinated legal counsel across different countries to navigate these issues efficiently is emphasized. Tune it to the new episode of Financially Ever After Widowhood podcast, where host Stacy Francis and guest Paula Jones, unravel the subtleties of tax systems worldwide.
The U.S. taxation system requires citizens to report and pay taxes on their worldwide income and assets, regardless of their residency status.
Estate planning becomes more complex for individuals with international assets or foreign family members due to varying laws and regulations across countries.
When gifting assets to non-U.S. citizens, it's crucial to understand the tax implications and regulations that affect such transfers.
Navigating dual jurisdiction tax laws is essential for U.S. citizens with international ties, as they must comply with tax regulations in multiple countries.
U.S. citizens living abroad need to be aware of key financial and legal considerations, including tax obligations and estate planning while residing or retiring outside the U.S.
Trusts and estate planning tools can be used to effectively manage and protect assets across borders, providing solutions for international asset management.
Coordinating legal counsel across different countries is vital for handling complex estate and tax issues effectively.
International tax treaties play a significant role in reducing double taxation and simplifying cross-border estate planning.
Ensuring compliance with both U.S. and foreign tax regulations is essential to avoid legal complications and financial penalties.
Seeking expert advice is crucial for navigating the complexities of international estate planning and taxation successfully.
Resources:
Paula Jones on LinkedIn
Email: [email protected]
Jones Estate Group - Paula is admitted to practice law in the States of New York, New Jersey, and Pennsylvania however, she is happy to entertain working with clients from other states
Phone number: +1 484 680 1143
Stacy Francis on LinkedIn | X(Twitter)
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
When faced with a terminal illness diagnosis, your emotions can be overwhelming. You still need to navigate the legal aspects, however, to ensure that you and your loved ones are protected. Stacy Francis’ guest this week is Alison Arden Besunder, a partner in charge of the Trust and Estates department at Goetz Fitzpatrick. Alison has extensive experience in guardianship and estate litigation. She joins Stacy to discuss end-of-life planning, including steps to take when the timeline is limited. Stacy and Alison delve into navigating the healthcare system, and the importance of having critical documents in place to convey your medical wishes clearly.
Highlights from this episode:
Ensure you have a healthcare proxy and living will in place to appoint someone as your medical decision-maker and provide evidence of your end-of-life intentions.
Discuss end-of-life decisions openly with your loved ones, promoting a foundation of good communication to handle high-stress situations effectively.
Even with your best efforts, you may feel helpless when dealing with a loved one's illness, but remember that your support and care are invaluable during these challenging times.
Avoid burnout as a caregiver by setting boundaries and not taking on more than you can handle. Seek support from therapists to manage the emotional burden effectively.
Find the right caregivers for your loved one by tapping into resources like personal needs guardians or geriatric care managers who can connect you with experienced aides.
When navigating end-of-life care decisions, ask questions and advocate for your loved one to ensure the best possible care and treatment options.
Bioethics committees in hospitals can offer support and assistance in decision-making, especially in challenging end-of-life care situations. They can help translate medical jargon and provide guidance to both physicians and families.
Even without a living will, there are other forms like MOLT (Medical Options for Life Sustaining Treatment) or PULST (Physician Orders for Life-Sustaining Treatment) that can be used to make end-of-life decisions in a hospital setting.
Navigating end-of-life decisions for pets also requires careful consideration, and sometimes there may be disagreements between family members on the best course of action.
For anyone facing end-of-life care decisions or other financial challenges related to medical care, seeking guidance from financial advisors can be crucial to manage expenses and make informed choices.
Resources
Alison Arden Besunder on LinkedIn | Facebook | Twitter
Goetz Fitzpatrick | LinkedIn
Phone: 212-695-8100 x289
Stacy Francis on LinkedIn | Twitter
Email: [email protected]
FrancisFinancial.com
Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today! -
This week on Financially Ever After Widowhood, you’ll enjoy a powerful crossover episode with the Modern Family Matters Podcast. Stacy Francis joins Steve Altishin, Director of Client Partnerships at Pacific Cascade Legal, to dive deep into the intricacies of social security laws and how they impact widowed parents. Stacy and Steve discuss the financial complexities of widowhood, understanding eligibility criteria, and maximizing benefits for yourself and your family. Together, they unravel the nuances of Social Security laws and will empower you to take control of your financial future.
Understanding the eligibility criteria for social security benefits as a widowed parent is crucial for financial planning after the loss of a spouse.
Maximizing earnings during work years is key to ensuring a stable financial future, especially for women who may face financial challenges after the death of a spouse.
The complexities of social security laws can impact widowed parents, making it essential to seek expert advice to navigate the intricacies of survivor benefits.
The financial implications of divorce on survivor benefits highlight the importance of seeking legal advice before making decisions that could impact future financial security.
Delaying social security benefits can have advantages, but it's essential to understand the implications of different benefit options to maximize financial support after the loss of a spouse.
Advocacy for policy changes to improve survivor benefits for widows and widowers is crucial to address the financial challenges faced by those who have lost a spouse.
Resources
Steve Altishin | LinkedIn | Pacific Cascade Legal
Stacy Francis | LinkedIn | X(Twitter)
Email: [email protected] - Mostrar mais
