125 episodios

Welcome to the 52 Pearl Weekly Money Wisdom Podcast! Hosts and financial planners at Pearl Planning, Melissa Joy, CFP , Melissa Fradenburg, and Alexa Kane, CFP will roll out a new episode each week with wisdom and actionable advice to improve financial decisions. Pearl Planning is a financial planning and wealth management practice located at 8031 Main Street in Dexter, Michigan and 81 Kercheval Avenue, in Grosse Pointe Farms, Michigan. You can reach our office at (734)274-6744 or the Grosse Pointe office at (313) 486-9634. Investment advisory services offered by Pearl Planning, a DBA of Stephens Consulting LLC., an SEC registered investment adviser. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Pearl Planning, or any non-investment related content, made reference to directly or indirectly in this Podcast will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Pearl Planning. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Pearl Planning is neither a law firm, nor a certified public accounting firm, and no portion of the newsletter content should be construed as legal or accounting advice. A copy of Pearl Planning’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.pearlplan.com. Content represents the opinion of the speaker and not necessarily that of Pearl Planning.

52 Pearls: Weekly Money Wisdom Melissa Joy, CFP

    • Economía y empresa

Welcome to the 52 Pearl Weekly Money Wisdom Podcast! Hosts and financial planners at Pearl Planning, Melissa Joy, CFP , Melissa Fradenburg, and Alexa Kane, CFP will roll out a new episode each week with wisdom and actionable advice to improve financial decisions. Pearl Planning is a financial planning and wealth management practice located at 8031 Main Street in Dexter, Michigan and 81 Kercheval Avenue, in Grosse Pointe Farms, Michigan. You can reach our office at (734)274-6744 or the Grosse Pointe office at (313) 486-9634. Investment advisory services offered by Pearl Planning, a DBA of Stephens Consulting LLC., an SEC registered investment adviser. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Pearl Planning, or any non-investment related content, made reference to directly or indirectly in this Podcast will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Pearl Planning. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Pearl Planning is neither a law firm, nor a certified public accounting firm, and no portion of the newsletter content should be construed as legal or accounting advice. A copy of Pearl Planning’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.pearlplan.com. Content represents the opinion of the speaker and not necessarily that of Pearl Planning.

    Episode 128: Roth Conversion in a Down Market

    Episode 128: Roth Conversion in a Down Market

    Have you thought about converting your traditional retirement assets to a Roth IRA? Has the value of your traditional IRA gone down due to market volatility? In this episode, Melissa Fradenburg, CDFA®️ will discuss the conversion process as well as some considerations for those thinking about converting traditional retirement assets to Roth IRA assets.  You will learn why a down market may be a particularly opportune time for a Roth IRA conversion. 

    Resources:
    Learn more about Pearl Planning.Read  How to Do a Backdoor Roth IRA Contribution?Read Am I Eligible for a Mega Backdoor Roth IRA Contribution?Read  Tax Loss Harvesting – A Guide for Making the Most of a Down Market.

    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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

    • 8 min
    Episode 127: First Generation Wealth with Valerie Rivera

    Episode 127: First Generation Wealth with Valerie Rivera

    This week, Melissa Joy is joined by guest Valerie Rivera, CFP to discuss first generation wealth. Valerie founder and owner of FirstGen Wealth, a virtual fee-only practice serving early to mid-career professionals who are the first gen to build wealth in their family. She is part of the 1.5% of Latinas who holds the CFP designation and has been in financial planning for nearly 15 years. She is born and raised in Chicago where she resides with her husband and a feisty 3-year-old. You can find Valerie on LinkedIn or Twitter (@1GenWealth).

    In this episode, we discuss:
    What defines first generation wealth? Valerie defines first generation as people who have crossed a threshold not previously achieved by family including college graduation, professional success, or the success of immigrant families.What are shared characteristics of first generation families and individuals.Financial planning strategies that are important for first generation clients. 
    Additional resources include:
    A study was recently published highlighting analysis of the economic impact of immigration and the reasons for immigrant success for future generations.Article on first generation Americans supporting families and building financial success.52 Pearls Epidode: Financial Wellness Through Community Work with Diana YanezLinks 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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  

    • 30 min
    Episode 126: Financial Tips for Buying a Car

    Episode 126: Financial Tips for Buying a Car

    Melissa Joy and Melissa Fadenburg discuss buying a car in this episode. This is one of the biggest financial decisions you will make and you will likely do it several times in your lifetime. We cover how to think about the car buying process and consider all financial angles so you can feel confident in making a final purchase.
     
    Additional Resources:
    More Buyers Choosing Car Payments Over $1,000More Than 12% of New Car Payments Top $1000 a MonthHow Much Can You Afford to Spend on a Car?How To Buy A CarThe 'best deal' for many is to buy vehicle when their lease endsLinks 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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

    • 24 min
    Episode 125: Financial Planning Considerations for LGBTQ People with Laura LaTourette

    Episode 125: Financial Planning Considerations for LGBTQ People with Laura LaTourette

    Melissa Joy is joined by guest, Laura LaTourette, CFP, to discuss financial planning for LGBTQ clients. Laura is a gay financial planner who founded Family Wealth Management Group, located in Georgia, and co-launched Rainbow Network for LGBTQ financial advisors in 2022.
     
    Additional Resources:
    Find Laura LaTourette on Twitter @LauraLaTourette and LinkedInSAGE Advocacy & Services for LGBTQ+ Edlers (https://www.sageusa.org/)More about Rainbow NetworkEstate Planning Considerations for LGBTQ CouplesCFP Board resources for LGBTQ individuals and couplesLinks 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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

    • 31 min
    Episode 124: Teaching Children Financial Responsibility Through Chores

    Episode 124: Teaching Children Financial Responsibility Through Chores

    Do your kids think money grows on trees? Are they helping with chores around the house? If you’re tired of handing out money and want to set up a system for your kids to earn money and become a more responsible member of the household this episode is a must listen. Melissa Fradenburg and Jay Fradenburg, share how they motivated their tweens through a system of chores and weekly allowance and why the concept of earning money is so important.

     Resources:
     Learn more about Pearl Planning and connect with Jay Fradenburg. Read blog, The 3 Money Conversations to Have With Your Kids Listen to  Episode 87: How to Talk to Your Kids About Money with Jackie FradenburgRead The Ultimate List of Age Appropriate Chores.  Watch a webinar replay, How to Talk to Your Kids About Money.  
    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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

    • 24 min
    Episode 123: Simple Budgeting Tips with Melissa Fradenburg

    Episode 123: Simple Budgeting Tips with Melissa Fradenburg

    Are you spending your whole paycheck every month? Have your monthly expenses increased with inflation to a point you need to start budgeting but don't know where or how to begin? In this episode, Melissa Fradenburg, CDFA®️ will share some tips on how much should go to needs, wants and savings each month to get your budget back on track. You will learn why budgeting should give you permission to spend rather than be considered a restriction. 

    Resources:
    Learn more about Pearl Planning.Listen to Episode 102: All About Emergency Reserves.Listen to Episode 98: Financial Procrastination with Melissa Fradenburg.Read  Fairy Tales and Finance.Read  The 3 Money Conversations to Have With Your Kids.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. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

    • 13 min

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