For a lot of us, money is something we manage, but what would it take to actually own it? In this episode of The SpelLIFE Podcast, Jill and Gaynell sit down with financial advisors Kay Anderson, CFP® and Jasen Gilbert, CFP® of Ciccarelli Advisory Services to to discuss the habits, mindset shifts, and practical steps that can help individuals build a stronger financial future. Money topics can feel daunting for anyone—and often more so for women, who tend to navigate them across every season of life: career, raising a family, caretaking aging parents, and retirement, frequently while someone else "handles the money." Kay and Jasen unpack what financial freedom really means and how to get there. Whether you're just starting to look at your finances or strengthening a plan you already have, this episode offers a warm, practical roadmap to financial freedom. 💡 What You'll Learn What "financial freedom" actually means and why it looks different for everyone How to build healthy financial habits and avoid common money pitfalls Strategies for reducing debt and improving financial confidence How to prepare for retirement and unexpected life events The role estate planning plays in long-term financial security Why taxes are a year-round strategy, not an April 15th scramble Practical steps you can take today to strengthen your financial future 🔧 Resources Mentioned Ciccarelli Advisory Services — Family Focused Wealth Management → www.CASmoneymatters.com The 12 Steps to Financial Independence Educational concepts referenced: the Rule of 72, Roth IRAs, dollar-cost averaging through a 401(k) 👤 About Our Guests Kay Anderson, CFP® is a Financial Advisor at Ciccarelli Advisory Services, where her passion is educating and guiding every generation of a client's family to build a lasting legacy and make informed decisions. With 20 years in the industry, Kay works on financial plans and annual reviews with an emphasis on retirement, tax, and estate planning. Originally from England's Lake District, she relocated to Naples in 2004 and serves on the Board of Directors for The Shelter for Abused Women and Children, where she is also Treasurer. Jasen Gilbert, CFP® specializes in helping successful families, individuals, and business owners navigate life's major transitions: retirement, the sale of a business, legacy planning, and more. With more than 17 years of experience, Jasen is known for his collaborative approach and commitment to helping clients achieve their long-term financial goals. He lives in Naples with his wife, Ingrid. 🌱 Final Takeaway You don't need to master every detail of finance to feel free. You need to know your numbers. Pick one step in the next 30 days: get organized, and put your balance sheet and a simple cash flow page on paper. That clarity is where peace, confidence, and real financial freedom begin. Disclaimer: Investment Advisory Services offered through Ciccarelli Advisory Services, Inc., a registered investment adviser independent of Osaic Wealth Inc. Securities and additional investment advisory services offered through Osaic Wealth Inc. Member FINRA/SIPC and a registered investment adviser. 9601 Tamiami Trl N, Naples, FL 34108 | 239-262-6577