Mommy Money Matters

Are you the type of person who puts something in place and then forgets about it? For example, you opened an IRA at the bank and haven’t bothered to check on it or its performance? Do you even open your statements? This is where I recommend for you to inspect what you expect! We get busy with life and then you have an emergency situation that leads you to needing money and that’s when you remember...

This episode is mainly to inform you, the consumer, to be very cautious when disclosing personal information over the phone. Not only are we dealing with identity fraud, credit card fraud, bank account fraud, but NOW retirement account fraud. This episode is short, sweet and to the point. Here are the do’s and don’ts when it comes to you handling your personal financial accounts, whether it be, ba...

The way SM is right now, anyone can get on and say ANYTHING they want!! As consumers of this content we tend to believe these individuals. It doesn’t matter whether it’s factual or not, we believe it to be true. If you’ve been on SM you know what I’m talking about. Here’s the thing, not all of is factual. In fact most of it is other people’s opinions. Living in this country, freedom of speech is o...

This episode is a bit different but all about weighing your options and doing your due diligence. As I meet with my clients, the young ones come to me for my personal recommendations regarding their future and their potential careers. I have had a lot of experience in that area personally but I always focus on them. I always tell them to find a career that not only is fulfilling but can help pay t...

Join me on this episode, as I share some stories of old and new clients regarding life insurance for their children. Coming from a mother of five and a grandmother as well, for me personally, it is highly imperative that we protect our children with life insurance. Why is that? Because we are protecting their future insurability . We don’t know what life is going to throw our way, and whether our...

This episode is focused on going back and re-learning the difference between life insurance products and finding out which one is better suited for your family’s needs. Very often I get asked, “Why should I have more than one product in place?” My response, “That’s a great question.” Because it is!! As a licensed professional it is my duty to explain the differences and let my clients decide for t...

Having a loved pass is one of the toughest experiences of life we have to deal with. Let alone needing to find the place to handle all the burial services and with this comes the expenses. How many know the costs involved? Have you done your research? Here, in the state of California on average it can be anywhere between $10k to $25 depending on what the family wants. How about cremation? Well, th...

Are you one of those individuals who say new year new goals? If so, where are you as of right now when it comes to those goals? If you decided that you were going to handle your finances a little bit differently this year then you’re in the right place. There’s quite a lot to do when it comes to financial planning, and what I do when I sit down across the kitchen table with a potential clients. Fi...

How did 2023 turn out for you? Was it what you expected or could you have done better? In this episode we talk about how we can change 2024 if 2023 was not what you had expected. Of course the number one point and key in every episode is to discuss money matters. My focus this year is to bring real life stories from clients, of course with their permission to share. I will be discussing the behind...

Losing a loved one is never easy, and it can be especially difficult to talk to children about death. However, it's important to have an open and honest conversation with your kids about someone passing away. Personally speaking, this subject was taboo in our home. As children we don’t know nor comprehend all the emotions we’re feeling. Being honest and answering all the children’s questions is ve...

As a financial coach and licensed professional, my number one priority is to make sure the family I sit down with clearly understands the importance of protecting their families and themselves with life insurance. We are living in tough times. According to the CDC we have a higher number of deaths than other years. I’ve always said that there’s one thing for sure, and that is death. We don’t know...

As we wrap up September and Life Insurance Awareness Month, I want to close with this episode. So listen carefully and act accordingly. It can save you and your family financial struggles. It saved my family in 2020. Don’t think it won’t or can’t happen to you because it does happen sooner or later. My goal is to bring awareness of how this information can benefit you and your family. Seriously th...

Why is it so taboo to talk about death in our community? As a mother let me tell you why, it’s the last thing I want to think about. I want to only focus on the life I want to spend with my children and family. But life doesn’t necessarily happen this way. Which is why I say, “be proactive instead of reactive.” Personally, I would never want my family to go through financial hardships let alone ha...

When it comes to selecting your retirement plans, whether it be through your employer or another financial institution, how much do you really know about what you’re doing? Exactly!!! The majority of the time the average middle income individual doesn’t know what they’re doing nor do they understand the lingo. Which is why it is so important to learn more about the plans available. You have access...

Nineteen states, including California, New York, Pennsylvania, Illinois, Michigan, and Minnesota, are considering following Washington's lead in taxing those who do not own Long-Term Care Insurance. Is this something you’re ready for? I’m guessing the answer is no. Because I sure am not. As a financial coach and agent I don’t have LTC in place!! For two reasons, first because up until a few years...

Hello everyone! We’re back!!! We have a lot of information to share with everyone. We might take a break here and there but one thing for sure. We aren’t going anywhere. With that being said, let’s address the elephant in the room. This social media talk about becoming or retiring a millionaire. As licensed professionals we get the side eyed or rolling of the eyes every time we bring up this topic...

The title of this episode was actually a question from one of my followers on Social Media. So I decided on turning it into a podcast episode to reach the masses. In this episode I share five tips on what I personally recommend when getting started with investing. Please keep in mind these are only recommendations and for informational purposes. For further assistance contact a licensed financial...

This episode is focused on giving you information regarding what to do when it comes to your money matters. We’re specially, addressing the elephant in the room, which is the insolvency of banks. What to do and how to go about in protecting your money. First things first, do not panic. As you already know, the federal government is already on top of it, and making sure that all the customers who h...

An annual financial review gives you a chance to evaluate your financial position. Many changes can affect your investments during the course of a year. It's important to monitor your retirement and investment accounts regularly and make adjustments annually to stay on track. Your asset allocation could be off balance. These reviews provide you and your Financial Advisor/ coach/planner the opportu...

As I was getting ready to select a topic for this episode, I was in the process of performing annual reviews with my clients, who were asking questions in regards to everything in their financial house. Which led me to this episode. I will be addressing a little bit about everything when it comes to cleaning up your financial house. Warning! This episode may seem as if I am all over the place but...

This episode is short, sweet, and to the point. There’s been a lot of talk about us entering a recession. You may or may not how this can affect you and your pocket. But in all honesty those who have been working for 25+ years are who feel it most and are affected the most. Listen in and find out why, then learn what you can do to prepare. If you know anybody getting close to retirement share this...

What better way to start off the New Year then with a financial plan in place to help reach your money goals. Before giving you any insight on what this episode is about, let me ask you a question, “if the next five years are like the last five years financially, would you be OK with it?” If the answer is no, this is the episode you want to listen to. We all started this new year of 2023 with cert...

Happy New Year Everyone!!! Welcome to a NEW season of Mommy Money Matters this 2023!! We have lots of information of value to help assist in your money matters this year! Lets get started. Ever wonder how people stay focused throughout the year? What do they do differently? I use to wonder the same thing. A few years back I started doing some research and also partnered up with a broker/dealer whe...

This episode is all about the different things we do in our home during the holiday season. Do you love gift giving or are you more of a grinch during the holidays? Gift giving has always been my thing but with a growing family it can get a bit challenging. In this episode I talk about the different things you can do as a family to celebrate the holidays without emptying your pockets. The holidays...

As promised on my last episode. October is National Financial Planning Month. So what does it really mean? Listen in and you’ll have insight on the seven key steps I utilize not only in my financial house but also with my clients. What better way to get ahead then to start strategizing for 2023 than now, in October. We’re in the last quarter of the year and it’s usually the time we assess the fina...