Women's Money Wisdom

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

Episode 55: ESG Investing with Kalita Blessing  In this episode Melissa Joy, CFP®, and Kalita Blessing, CFP® discuss environmental, social, and governance (ESG) investing. Kalita is a Wealth Manager with Quest Capital Management and a Chartered SRI Counselor, which is an investment advisor focusing on sustainable, responsible, and impact investing strategies. You will learn: ·      What is ESG Inv...

In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Chris Cooper, owner of Zeppelin Cleaning Services, discuss what it takes to be a business owner. Chris started his commercial cleaning business 13 years ago, out of the trunk of his car, and now it is the fastest-growing commercial cleaning company in Southeast Michigan. He shares his thoughts on getting a business off the ground an...

In this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor, RJFS, celebrate the 500th download of their podcast and highlight some of their favorite moments. They talk about episodes coming in 2021 as well as share clips from the most popular episodes in the first year of podcasting together.  We will discuss: ·       The concept of #52 Pearls and why they decided to do a weekly...

In this episode, Melissa Fradenburg, Financial Advisor, RJFS and Jamie Wilkerson Majni CPA, discuss the common tax issues and considerations in divorce. With over 20 years of experience as a CPA and experience going through her own divorce, Jamie knows there are a lot of financial changes through the process. While it can be daunting to face these changes, especially if you were not the one filing...

In this episode, Melissa Joy, CFP®, and Dr. David Rhoiney discuss how to overcome barriers to building wealth and get financial advice to those who need it the most. David is a General Surgeon, a graduate of the United States Naval Academy, and a former two-sport NCAA athlete. He is also a person who has overcome incredible barriers and learned valuable tools to building wealth.  We will discuss:...

In this episode, Melissa Joy, CFP®, and Julia Carreon, CFP®, discuss why the generation after millennials is set for an imminent demographic transformation. Julia is a managing director at Wells Fargo, with twenty-five years of financial service professional experience and a long track record of ideating and implementing technological innovation.  We will discuss: ·       Why the next 10 years wil...

In this episode, Melissa Joy, CFP®, and Stuart Ritter, CFP®, discuss why it’s important to take a holistic approach to retirement planning and the need to look beyond just the financial aspect. Stuart shares insights drawn from actual retiree behaviors through his research and shares tips on how to visualize retirement. Melissa and Stuart agree that while it’s important to be financially prepared...

In this episode Melissa Joy, CFP®, and Nate Astle, M.S., discuss how financial therapy offers a way to better understand how people think, feel, and behave differently with money. Financial therapy is a process informed by both therapeutic and financial competencies that helps people think, feel, and behave differently with money to improve overall well-being through evidence-based practices and i...

In this episode Melissa Joy, CFP® and Cherisa Allen, discuss why we often look to what others have, as a way to benchmark our own success.  Cherisa is a social worker, transformational life coach, and empowerment speaker who believes this tendency of comparison is causing many people to fail. The idea of focusing on your own financial goals, and how to get there through authenticity, is a very tim...

In this episode Melissa Joy, CFP® and Rachel Elson, Wealth Advisor at Perigon Wealth Management, discuss equity compensation. Rachel was a longtime personal finance journalist and former Editor-in-chief for Financial Planning Magazine before entering private practice. Rachel and Melissa talk about ways you can be compensated outside of your salary and what that means for you. You will learn: ·   ...

Episode 45: Legal Documents for Families with Kids with Ashley Waddel-Tingstad In this episode Melissa Joy, CFP® and Ashley Waddel-Tingstad, the founder of Treetown Law, PLLC, discuss important legal documents every family should have. As a seasoned attorney, mother, and someone who has experienced sudden loss, Ashley brings a human approach to estate planning for families.  You will learn: ·     ...

In this episode Melissa Joy, CFP® and Casey Snyder, CFP® discuss how you can develop your lifestyle in a safe and healthy way.  Casey, a Wealth Manager with the Sedoric Group, believes people should focus on the components of financial success that can be managed, rather than the variables beyond our control.  You will learn: ·       How it makes sense to take calculated risks that you have prepar...

In this episode Melissa Joy, CFP® speaks with Kathy Longo, CFP®, CAP®, CDFA®, founder of Flourish Wealth Management on the topic of understanding emotions in financial decisions. Many of the decisions we make surrounding money come from a place of emotion, so it is important to acknowledge those emotions and know your money story.  You will learn: ·       Are you making money decisions from a plac...

In this episode Melissa Fradenburg is joined by Alexa Kane, CFP®, to discuss year-end tax and financial planning steps, specifically for 2020. It has been a crazy year for many, but you still have time to get organized and stay-on-track for your financial goals.  We will discuss: ·       Have your goals or circumstances changed & does this change your investment strategy? ·       Do you have a...

Episode 40: Holiday Spending with Karen Dybis In this episode, Melissa Fradenburg, Financial Advisor, RJFS, and Karen Dybis discuss holiday spending. Karen is a published author, journalist, and self-proclaimed finance nerd. Her passion for budgeting and experience as a retail reporter makes her the perfect guest to discuss holiday spending.  You will learn: ·       How to use Quapital to create i...

In this episode Melissa Joy, CFP® is joined by Sarah Boston, CFP®, and Karen Coyne, CFP® to discuss the common attributes of their wealthy clients. With over 50 years of combined experience helping clients build wealth, these three advisors have noted what actions or behaviors have helped their most successful clients. We will discuss: ·       What does it mean to be “In action”? ·       The abili...

Melissa Fradenburg, Financial Advisor, RJFS, is joined by Realtor, Jennifer Adlhoch to discuss how to get your home ready to sell. In this episode, Melissa and Jennifer will discuss the things home buyers are looking for in the current COVID market as well as the things you can do to increase the value of your home and make it more appealing to potential buyers. You will learn: ·       What buyers...

In this episode Melissa Joy, CFP® is joined by Laura Webb, CFP®, and President of Webb Investment Services, to discuss the ins and outs of networking.  We are so pleased to have the networking expertise Laura brings with 36 years in the financial services industry and as the creator of WomanUp, an initiative supporting women in business. We will discuss: ·       Why networking is a financial discu...

In this episode Melissa Joy, CFP® speaks with Stephanie Vaught, Financial Coach and founder of Social Money Finance. Melissa and Stephanie discuss experiences working with and specific financial challenges the generation born between 1965-1982 face.  We will Discuss: ·       Handling the ‘What ifs’ and being prepared for a plan B. ·       The importance of having vulnerability with your financial...

Melissa Joy sits down with two academic investment researchers, Dr. Tommi Johnsen and Dr. Elisabetta Basilico to discuss academic research for women investors. Drs. Johnsen and Basilico are the authors of Smart(er) Investing which sorts through investing research to find trends and translations for investors. One of their chapters focuses on the dearth of women investors.   In this discussion we d...

In this episode Melissa Joy, CFP® speaks with Stacy Miller, CFP®, Vice President, and Wealth Advisor of Bright Investments LLC. Stacy shares her tips on talking with young adults about money concepts as well as shares her personal experiences with her two college-aged sons. ·       How to send your college freshman off to school with a credit card. ·       Teaching two ways to approach the concept...

Melissa Fradenburg, Financial Advisor, RJFS, is joined by estate planning attorney Laura Brownfield. Laura works in the structuring of giving vehicles and gifting policies and procedures in her role at the community foundation for Southeast Michigan. In this episode, Melissa and Laura will discuss the different options for charitable giving with a special focus on recently implemented tax laws und...

In this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS, discuss some key options available during open enrollment . We will discuss why a high deductible healthcare option might make sense as well as explain benefits like disability and deferred compensation options that might be available through your employer. You will learn: ·      How HSA’s and Flexible Spending acc...

In this episode, Melissa Joy, CFP®, and Melissa Fradenburg, Financial Advisor RJFS discuss some of their own money mistakes as well as the evolution of their money mindsets. Where did we learn basic financial skills? Learn from things we regret doing or not doing in our early adult years.  You will learn: ·      Why you need to build credit but not debt. ·      The evolution from a job to a career...