Women's Money Wisdom Melissa Joy, CFP®

Melissa Joy is joined by Dr. William Schulz, former Executive Director of Amnesty International USA to discuss the importance of staying hopeful during turbulent times.

How can we stay positive during times of uncertainty? Dr. Schulz explores how hope can be a driving force for change - leading to improvements in our own communities as well as a more just world. The lessons taught in this episode are valuable for all - from investors to friends.

Listen and Learn: 
The ‘why’ behind Amnesty International’s missionHow to remain resilient despite injustice in the world The importance behind conscious consumption and where you spend your moneyResources:
Purchase Dr. William Schulz’s Memoir: Reversing the Rivers: A Memoir of History, Hope, and Human RightsDiscover More Books by Dr. William SchulzLearn more about Amnesty International USAHuman Rights | United NationsLinks 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 situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.
Data Sources: Capital Group, RIMES, Standard & Poor's.

Whether you’ve already filed your taxes or still need to request an extension, Melissa Joy shares her post-tax season tips and tricks. Discover how you can pave the way for a smoother tax season experience and take control of your money in the year ahead. 
Listen and Learn: 
Why it’s important to discuss taxes with your financial advisor Which resources you should use during tax season and afterWhen to consider reviewing and adjusting your tax withholdingsResources:
How to Extend Your Federal Taxes State of Michigan Tax ExtensionTax Aware Investment Strategies Webinar Tax Withholding Calculator (IRS)Tax Withholding – How to Get it Right Restricted Stock Taxation Links 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 situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.
Data Sources: Capital Group, RIMES, Standard & Poor's.

Melissa Joy is joined by Financial Behavior Specialist®, Speaker, and Therapist Ashley Quamme LMFT, to discuss the intricate intersection of relationships and finances. 
How do we talk about money with a partner when our perspectives differ? What are practical ways to navigate when one partner is a spender, and the other is a saver? Ashley dives into the complexities of love and money and how to navigate the money differences that happen in many relationships. 

Listen and Learn: 
Common challenges couples face when discussing finances and tips to overcome themHow to use communication to navigate differences in spending habitsThe significance of listening, empathy, and vulnerability in client-advisor relationshipsResources:
Visit Beyond the PlanFollow Ashley on LinkedInFollow Ashley on TwitterListen: Episode 48: Financial Therapy with Nate AstleListen: Episode 212: Even Out The Power Scales of Marriage and MoneyLinks 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 situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.


Data Sources: Capital Group, RIMES, Standard & Poor's.

Melissa Joy is joined by philanthropist Aly Sterling, President and Founder of Aly Sterling Philanthropy, to discuss the transformative power of philanthropic giving. 
Aly shares powerful insights from her experience in facilitating major gifts while offering guidance on how to make your charitable donations more strategic. In this thought-provoking conversation, you’ll discover how to maximize your philanthropic impact, whether you’re giving millions or just starting your charitable journey. 
Listen and Learn: 
How to make your charitable donations more strategic and impactfulThe benefits of giving during your lifetime vs. leaving a philanthropic legacyTips for maximizing tax advantages when making charitable contributionsResources:
Visit Aly Sterling Philanthropy WebsiteLearn more about Aly SterlingFollow Aly Sterling on LinkedInPurchase Aly Sterling’s Book: 37: The Year I Stopped Making Excuses, Embraced My Power, and Launched My Million-Dollar BusinessRead: $1 Billion Dollar Donation Will Provide Free Tuition at a Bronx Medical SchoolWatch: NYC Medical School Eliminates Tuition After $1 Billion GiftRead: Why A $1 Billion Gift to Medical School Moved So Many PeopleRead: Will a $1 Billion Medical School Donation Help Make the Bronx Healthier?Links 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 situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.
Data Sources: Capital Group, RIMES, Standard & Poor's.

Struggling with financial dynamics in your relationship? You’re not alone. Melissa Joy delves into the power balance in marriage and money and explores how this affects all partnerships, offering valuable tips for combining finances, open communication, and shared planning. No matter the stage of your relationship, this conversation is for you. 
Listen and Learn:
Simple steps for couples looking to combine their financesHow to have transparent communication and shared financial planningStrategies for managing finances together in a relationshipResources:
Read: In a Growing Share of U.S. Marriages, Husbands and Wives Earn About the SameRead: When Couples Fight About Money, What Do They Fight About?Read: Married Couples Who Merge Finances May Be Happier, Stay Together LongerListen: Episode 133: Money Secrets in Your Net Worth with Rachael CampLinks 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 situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.


Data Sources: Capital Group, RIMES, Standard & Poor's.

When should you get serious about saving for the future (older) you? It’s never too late to start or reassess your retirement strategy. Whether you’re a super saver, an average saver, or doing well but unsure if you’re on track to retire comfortably—this episode has something for everyone. Melissa Joy discusses options for multiple stages of retirement planning and what you can do if you’re traditionally employed, a business owner, or have experienced career setbacks along the way.
Listen and Learn:
When it's time to get serious about retirement planningThe key steps to take to understand your retirement outlookHow to improve your trajectory no matter which group you fall intoResources:
Watch our 2023 Retirement Readiness WebinarDiscover how the average American feels about retirement readinessLearn more about the XYPN NetworkFind out how to get started with Pearl Planning’s retirement planning and analysis servicesLinks 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 situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.


Data Sources: Capital Group, RIMES, Standard & Poor's.