96 episodes

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

    • Business
    • 5.0 • 9 Ratings

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 99: Passive vs. Active Investing with Amanda Piper, CFA

    Episode 99: Passive vs. Active Investing with Amanda Piper, CFA

    Our guest today is always willing to roll up her sleeves and dive into the numbers as a seasoned investment professional. Amanda Piper, CFA® Charterholder and CEP®, is a partner at Wagener-Lee, LLC, where she helps people make investment decisions. In this episode, she joins the show to share her knowledge on the topic of investing, specifically active and passive investing.

    Resources:
    · Learn more about Melissa Joy and Pearl Planning. 
    · Calculate how to pay down your credit card debt HERE. 
    · Connect with Amanda Piper on Wagener-Lee, LLC or on Facebook.
    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.

    • 34 min
    Episode 98: Financial Procrastination with Melissa Fradenburg

    Episode 98: Financial Procrastination with Melissa Fradenburg

    In this episode, Melissa Fradenburg discusses one of the most common things holding people back in their financial lives: procrastination. Do you have credit card debt you have been ignoring? Have you been meaning to start or increase your contributions to a company retirement plan? Do you have an account somewhere but not sure how it is currently invested or how to access statements? Melissa shares a twitter post she found interesting and hopes it will inspire you to act now and stop letting financial chores haunt you.
    Resources:
    Learn more about Melissa Fradenburg and Pearl Planning. Calculate how to pay down your credit card debt HERE. Read this article, 401K Rollover IRA Guide, by Arielle O'Shea, to figure out how to roll over an old plan. 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.

    • 9 min
    Episode 97: Start Your New Year Right with Melissa Joy

    Episode 97: Start Your New Year Right with Melissa Joy

    In this episode Melissa Joy, CFP ® discusses what you should do to start the year off financially strong. Need to kick-start your financial New Year’s resolutions? This episode can help you get moving on the important things you may have been putting off. Melissa will help you break it down into manageable steps. 
    You will learn:
    ·       Have your goals or circumstances changed & does this change your investment strategy?
    ·        Does it make sense to do a Roth conversion or back-door Roth this year?
    ·       Have you been putting off getting a will, trust, power of attorney or healthcare directive?
    ·       Why your investment portfolio may need to be rebalanced.
    ·       Have you had a birthday that has implications for distributions from qualified plans?
    Resources:
    Learn more about Melissa Joy, CFP. ®
    Read this Pearl Planning blog,How to do a Back Door Roth IRA Contribution. 
    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.

    • 13 min
    Episode 96: Three Action Items to wrap up the Year with Melissa Joy

    Episode 96: Three Action Items to wrap up the Year with Melissa Joy

    In this episode Melissa Joy, CFP, ® discusses what you should do in these last few days of 2021 to get your financial year wrapped up. She shares valuable insight on things we should review in retirement planning, money mindset, and investing before we ring in the new year.
    You will learn:
    ·       What contributions need to be in for 2021 by December 31st?
    ·       What are some things to consider with charitable gifting? 
    ·       Why you should make a financial to-do list for this week and next year.
    ·       Take the time to list your accomplishments for the year. 
    ·       Write down some thoughts on how it felt to be an investor this year.
    Resources:
    Learn more about Melissa Joy, CFP. ®
    Read Pearl Planning blog by Hannah Near, 7 Year-End Financial Planning Moves.
    Watch Pearl Planning Webinar on Year-end Planning 2021.
    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.
     

    • 9 min
    Episode 95:Get Your House in Order for Aging with Kristie Kindstrom

    Episode 95:Get Your House in Order for Aging with Kristie Kindstrom

    In this episode Melissa Joy, CFP, ® and Kristie Kindstrom, founder of Your Honeycomb Inc., discuss ways to plan for aging and leaving a legacy. As a longevity planning expert with more than 30 years of experience in the financial services industry, Kristie Kindstrom helps families create a longevity plan by categorizing all facets of a person’s life, from assets, digital estate, daily life, health, and legacy. If you or your family members need help organizing and creating a plan, this episode is a must listen.
    You will learn:         
    ·      How to organize and inventory photos and family heirlooms
    ·      Tips for working to take inventory together as a family.
    ·      What is a digital estate?
    ·      Where is a good place to keep passwords and online assets to protect but also share with the right people?
    ·      Why it’s important to build your support network now in case something were to happen to you. 
    Resources:
    ·       Learn more about Kristie Kindstrom and Honeycomb Inc.
    ·       Learn more about Everplans.
     Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Pearl Planning financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

    • 25 min
    Episode 94: Tips for the Next Generation From a Financially Responsible Millennial with Ashley Mont

    Episode 94: Tips for the Next Generation From a Financially Responsible Millennial with Ashley Mont

    In this episode, Melissa Fradenburg, Financial Advisor, and Ashley Mont, discuss smart financial moves that can help millennials (and future generations) build wealth. Ashley, a biomedical engineer, is the founder & CIO of a technology start up and a financially savvy millennial.  Ashley shares some tips that helped her to lay a solid financial groundwork  as well as mistakes she has witnessed others in her generation make. 
    You will learn:
    ·       How budgeting can set you up for future success.
    ·       Why understanding interest rates is an important component of large purchase decisions. 
    ·       How to read the fine print when accepting school loans.
    ·       How the opportunity to go to college being presented as something exciting from a young age, helped shape Ashley’s mindset today.
    ·       Why picking a major that leads to a high-income earning career is important?
    ·       How to learn and recover from your financial mistakes. 
    ·       Why mindset is so important when setting goals. 
    ·       What inspired Ashley to major in biomedical engineering. 
    Resources:
    Find out more about NeuroTechR3, Inc.
    Connect with Ashley Mont on LinkedIn.

    Read, 3 Ways Millennials Are Getting Money Right, by Kelsey Sheehy.

    Listen to Episode 50: Gen Z Disruption with Julia Carreon. 

    • 25 min

Customer Reviews

5.0 out of 5
9 Ratings

9 Ratings

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