Women's Money Wisdom

In this episode, Melissa Joy, CFP®, and Joanne Giardini- Russell, founder of Giardini Medicare will discuss planning strategies that help to meet the needs of aging retirees.  While many costs go down in retirement, health care continues to creep up occupying substantial financial resources as well as time. Learn about all things Medicare and how to navigate options and enrollment.  You will learn...

In this episode, Melissa Joy, CFP®, and Catalina Kaiyoorawongs, cofounder of LoanSense and student loan expert, discuss options to manage student loans and how borrowers can access the millions in federal student loan relief funds to get out of student debt.   You will learn: ·       Why loan refinancing may not be optimal in your situation. ·       How pay as you earn options can substantially re...

Episode 28: Five financial Things to do Before Year-End In this episode Melissa Joy, CFP® and Melissa Fradenburg discuss the five things to consider with regards to your finances before year-end. While markets have been resilient, the current environment of a global pandemic, an economic recession and a divisive political environment may have you feeling paralyzed. In this episode we discuss some...

Episode 27: Owning Your Money Story with Eugene George In this episode Melissa Joy, CFP® speaks with Eugene George on the topic of owning your money story and how to incorporate that story into your financial wellness plan. Eugenie is a financial coach, Certified Financial Educator, and author of the book Our Money Stories . She has and unique approach of viewing money patterns and interviewing wo...

In this episode Melissa Fradenburg, Pearl Planning Financial Advisor, and guest Megan Gunnell, LMSW discuss how to pivot your business as well as maintain an abundance mindset during the global pandemic. Megan is the founder of the Thriving Well Institute, Psychotherapist, Speaker, Writer, and International Retreat Leader who most recently launched a successful online coaching program. Her positiv...

Episode 25: Bridging Wealth and Income Equality with Camille York In this episode Melissa Joy, CFP® speaks with Camille York, AAMS® CDFA® on the disparity that exists between what black women and non-Hispanic white men earn. Why does this gap exist and how can we create change through salary negotiation skills, knowledge, and advocacy? You will learn: ·       How to adjust your lens when it comes...

Episode 24: Financial Decisions for Young High Earners with Asad Gorani In this episode Melissa Joy, CFP® speaks with Asad Gorani, CFP®, founder and CEO of AG Wealth Management on the topic of HENRYS and what specific financial decisions they face. The term HENRY stands for High Earner Not Rich Yet and in this podcast we will look at some of the key opportunities as well as challenges this group f...

In this episode Melissa Joy, CFP® speaks with Hamsa Daher on the topic of leaning into values and purpose in a crisis. Hamsa is the executive director of the Small Giants Community, a designated L3C organization, a hybrid between a for-profit and a nonprofit entity that prioritizes mission and social purpose.  You will learn: ·       The idea that Small Giants prioritize people over profit.  ·   ...

Melissa Fradenburg, Financial Advisor with Pearl Planning is joined by Heather Bendure, owner of Grosse Pointe Family Law Center. Heather is a divorce lawyer who thinks well-informed clients should decide what is best for them, their children and their families.  She offers compassionate guidance to help clients make good decisions. In this episode Melissa and Heather will discuss the common finan...

Melissa Joy CDFA® is joined by Alisa Peskin-Shepherd, an approved Michigan mediator with nearly 30 years of experience practicing law and specially trained as a family, divorce and custody mediator as well as a collaborative family law attorney. In this episode Melissa and Alisa will discuss the different options couples have when it comes to the divorce process with a special focus on how the col...

Melissa Joy, CFP® is joined by Elnian Gilbert, trainer and keynote speaker for Zing-train, shares Zingerman’s approach to business in visioning. Visioning is a tool that can help clarify what is most important. What success looks like at a particular point in time in the future. Feeling off balance, knocked off course and disoriented? We certainly are! In this episode learn how to: -Better priorit...

Melissa Joy, CFP® sits down with Christine Luken a Certified Financial Counselor, The Financial Lifeguard and founder of The Financial Dignity Movement, to talk about the emotional side of money. In this conversation we discuss how to manage the emotional side of money and guide you to a place of certainty with your finances. We can’t take the emotions out of financial decision making but we can u...

Melissa Joy, CFP® sits down with Renée Baker, DBA . Renee is Head of Private Client Group Advisor Inclusion Networks at Raymond James. In her work, Renee leads the Womens Financial Advisor Network, Black Financial Advisor Network, and the new Pride Network for LGBTQUI+ advisors. In this conversation, we discuss the need for a more diverse financial profession and how that will help with access to...

Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg , financial planners at Pearl Planning. Pearl Planning is a wealth management practice located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls.  In addition to the podcast, you can follow along on our...

Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the uncharted markets of COVID-19.  In this episode we will discuss - Have a plan and stick to it - Where will income come from in retirement - Don’t try to...

Mortgage Decisions During Divorce with Erica Powers Melissa Joy is joined by Erica Powers to talk about mortgage decisions during divorce. Erica is a licensed mortgage banker with NMLS #739673 at Level One Bank member FDIC and an Equal Housing Lender, with locations in  southeast Michigan including Ann Arbor and Detroit. She works with clients around the country. We discuss: · How do you make a pa...

How do you adjust college decisions during a pandemic? In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with college selection consultant Amy McVeigh , founder of Smart College Selection . We’re discussing: · How college consultants help students and families set expectations, narrow down their college decisions, and make the right selection for college. · Options for kickin...

Today’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare . We cover: · How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of your local office. · Decisions that should be made if you’re Medicare-eligible and suddenly unemployed. · Mistakes to avoid when you are Medicare-el...

Today Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life , and founder of Simple Money . Today we’re talking about: · What does abundance mean for your financial life? · How gratitude and helping can help you to embrace an abundance mindset in today’s uncertain times. · Why you should use th...

Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg , financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post bite-size financial tips on social media and our website. We call that 52 Pearls.  In addition to the podcast, you can follow along on our comp...

Melissa Joy CFP® is joined by Ashby Daniels, CFP®.  Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stages of a Bear Market” . Why when you enter a crisis, you have two choices – acceptance or panic. How to avoid permanent damage to your investment portfolio. W...

Melissa Fradenburg , Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedomlawpc.com She was recently named to the prestigious American Bankruptcy Institute (ABI) 2019 “40 under 40” class of top bankruptcy practitioners na...

Melissa Joy is joined by estate planning attorney Joan Skrzyniarz , practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan.  Joan and Melissa discuss: Why for estate planning, perfection can be the enemy of progress. The documents you need in place during a pandemic (medical powers of attorney, financial power of attorney, wills, and trusts). The importance of a parental...

Americans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus? Bill McManus is part of the Applied Insights Team for Hartford Funds. In his current position, Bill is responsible for engaging and educating both financial advisors and their...

Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg , financial planners at Pearl Planning. Episode Notes Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. In addition to the podcast, you can follow along on our company Facebook pages. Here's the Dexter page and here's Gr...