Between Sips

Monument Wealth Management
  • 5.0(7개의 평가)
  • 투자
  • 격주 업데이트

Pull up a chair, pour your favorite drink, and join Monument Wealth Management partners Jessica Gibbs, CFP®️ and Emily Harper, CFP®️ for candid, coffee-table conversations about money, meaning, and the moments that matter. We're answering the most pressing questions successful people have about creating and preserving their wealth, along with and a human take on making life option rich—served one sip at a time. Have a wealth management question you want answered? Send it to us at betweensips@monumentwm.com.

  1. 2월 4일

    Do I Need a Trust? Here's How They Work

    Trusts aren't just for the ultra wealthy, or something you deal with much later in life. For most people, that assumption just creates stress and delay. In this episode of Between Sips, Emily and Jessica slow things down and talk about trusts in plain language. What they are, why people use them, and why they are not magic tax loopholes. You'll hear the difference between revocable and irrevocable trusts, explained with everyday examples. This conversation will help you feel less intimidated and more grounded. You don't have to rush out and set something up tomorrow, but you should understand what questions are worth asking when the time comes.   0:00 — Disclosures, Coffee, And Why Trusts Feel Intimidating 4:07 — Revocable Trusts Explained With A Ziploc Bag 9:15 — Irrevocable Trusts And What You Give Up 17:40 — Probate, Privacy, And Common Tax Myths 24:09 — Choosing Trustees And When Corporate Help Matters 32:07 — Fairness, Incentives, And Making A Plan That Works Now   Resources Mentioned: How to know if it's time for a corporate trust: https://monumentwealthmanagement.com/resource/how-to-know-its-time-for-a-corporate-trustee/ Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Connect with us:    Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/ Instagram: https://www.instagram.com/monumentwealth/# Check out our Off The Wall podcast: https://monumentwealthmanagement.com/off-the-wall-podcast/

    38분

  2. 1월 21일

    The Conversation We All Keep Dodging: Estate Planning

    Estate planning has a reputation for being heavy, uncomfortable, and easy to avoid. Between sips of a Rhode Island coffee, Jessica and Emily talk about why that avoidance is so common, even among thoughtful and successful people, and why it can create more stress down the road. This conversation reframes estate planning as a way to protect your life, your relationships, and the people you love, not a checklist for the end of life. From incapacity planning to outdated documents, they explore how small decisions today can create clarity and peace of mind later, without making it overwhelming.   0:00 — What We're Sippin' on Today 2:12 — Whole-Life Lens On Estate Planning 4:50 — Why Successful People Delay 12:55 — Incapacity And Clarity In Crisis 17:19 — Guardianship And Wills For Parents 22:11 — Outdated Docs And Beneficiary Traps 26:18 — Will vs Trust And Funding A Trust 31:20 — Powers Of Attorney And Directives 36:05 — Getting Started And Practical Next Steps 39:31 — Reviews, Audits, And Advisor Support —- Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Connect with us:  Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/ Instagram: https://www.instagram.com/monumentwealth/#

    40분

  3. 1월 7일

    How to Set Goals Without Overhauling Your Life in 2026

    A new year has a way of making people feel like they need to figure everything out at once. Goals, priorities, plans, all piled together in January, like our life restarts with the change in the calendar. In this first Between Sips episode of 2026, Emily and Jessica talk through a more realistic way of thinking about goals, one that leaves room for life stage, time constraints, and changing priorities. They share why so many people struggle to articulate what they want, and how narrowing goals too quickly can cause us to miss opportunities that really move the needle. The conversation takes into account experiences, health, career, relationships, creativity, and giving, not as a checklist, but as different parts of life that often compete for attention. Along the way, we reflect on how money fits into all of it, not as the point of the plan, but as something that supports the choices successful people make. This episode is for anyone heading into 2026 feeling thoughtful rather than decisive, and looking for a steadier way to think about the year ahead.   0:00 — Champagne, A New Year, And Fresh Starts 4:40 — Why Goals Need Meaning 9:40 — The Bucket List Framework And Three Goal Buckets 15:20 — Health, Stress, And Spending Without Guilt 23:00 — Career Growth, Creativity, And Cash Flow Confidence 32:10 — Relationships, Time Poverty, And Support 39:20 — Finance As An Enabler, Not The Goal Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Connect with us:  Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/ Instagram: https://www.instagram.com/monumentwealth/#

    40분

  4. 2025. 12. 10.

    What People Get Wrong About Roth IRAs and Conversions: A Guide for Busy Professionals

    Roth IRAs, backdoor Roths, conversions… most people know these terms, but not why they matter. In this episode, Emily and Jessica break it all down in plain English and focus on the real question: How do you create more flexibility for your future self? With uncertainty around tax policy and retirement rules, the way your money gets taxed can have as much impact as how it's invested. The good news? You have more control than you may think. Emily and Jessica walk through the key moments when a Roth conversion might be worth considering—career pivots, sabbaticals, business transitions, lower-income years—and how building a mix of account types can give you more options in retirement and beyond. If you want to understand why Roths matter (not just how they work), this episode is for you. 👉 Grab your cup o' tea (or joe) and listen in Between Sips.   0:00 – What We're Sipping On 2:05 – Why Roth Conversions Matter 4:45 – When Conversions Make Sense During Working Years 8:15 – Roth 401k Options, Backdoor Paths, And Income Limits 15:20 – How Roth Conversions Work And Key Tax Considerations 18:00 – RMD Relief, Inheritance Benefits, And Planning Risks   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures Connect with us:  Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/ Instagram: https://www.instagram.com/monumentwealth/#

    35분

  5. 2025. 11. 26.

    How to Plan for Your Child's Education

    College can feel far away when your kids are still young, but the questions around their future tend to show up early. Over a favorite cup of coffee, Emily Harper, CFP® and Jessica Gibbs, CFP®, talk through the mix of hope, uncertainty, and planning that surrounds education today. They share what they've learned as financial planners and college graduates, touching on rising costs, changing career paths, and the value of defining your own philosophy before focusing on numbers. The conversation wanders through personal stories, shifts in the education landscape, and the small steps families can take now to create more options later. It's an easygoing chat that leaves you feeling more grounded, more informed, and more prepared to shape opportunities for the kids you love. A sip worth settling into. Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   0:00 – The Sips, and Why Education Planning Matters 3:00 – How Education Is Changing: AI, Jobs, and the Value Beyond Academics 9:00 – The Cost Conversation: Tuition Trends, Philosophy, Debt, and Aid 17:00 – Balancing College Priorities With Long-Term Goals 19:08 – 529 Plans: Flexibility, K-12 Uses, Trades, and Rollovers 28:00 – Funding Strategies: Superfunding, Consistency, and Alternatives 36:00 – Pulling It Together: Planning for Optionality   Connect with us:  Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/  Instagram: https://www.instagram.com/monumentwealth/#

    40분

  6. 2025. 11. 12.

    Retiring Before 65: What It Really Means

    We've all heard 65 is the magic retirement age, but who decided that, anyway? In this episode, Jessica Gibbs, CFP®, and Emily Harper, CFP®, share a fresh take on what it means to step away from full-time work before that milestone. The conversation moves between money and mindset, the realities of healthcare and savings, and the freedom of redefining what retirement even looks like. They talk through how to prepare, what "enough" might mean for you, and why the emotional side of this transition matters just as much as the financial one. For anyone wondering when work starts to give way to something new, this sip is a thoughtful look at creating balance and space for the life you've been building toward.   0:00 – Disclaimers, coffee talk, and the Annapolis fall blend ☕️ 2:14 – Why some people dream of retiring before 65 and what that really means 4:45 – Where "65" came from, Social Security, and the real cost of healthcare before Medicare (COBRA tips included) 12:40 – How saving rates, wealth accumulation, and account mix shape your flexibility later on 22:10 – Building cash reserves, understanding spending habits, and preparing for down markets 28:12 – Earning in retirement, finding purpose, and keeping alignment with your spouse through the transition Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Connect with us:    Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/ Instagram: https://www.instagram.com/monumentwealth/#

    37분

  7. 2025. 10. 29.

    Should You Retire When the Market is Down?

    Markets are down, your retirement date's circled on the calendar—now what? Emily and Jessica unpack how to protect your peace of mind, why your "sleep-at-night factor" matters, and what it really means to retire on your terms. Tune in to hear how market volatility can impact your retirement portfolio if it happens at the wrong time. Plus, understand the value of stress-testing your portfolio and how to reduce your anxiety around retirement. Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures  0:14 - Intro 2:39 - Can You Retire in a Down Market? 5:18 - Why Timing of Returns Matters 14:40 - Beyond Markets: Inflation and Rates 17:05 - The Cash Bucket Strategy 20:05 - Key Takeaways  26:11 - Disclosures & Closing Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures Connect with us:  Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/ Instagram: https://www.instagram.com/monumentwealth/#

    28분

  8. 2025. 10. 15.

    OBBBA Review: Tax Moves to Make Before 2025 Ends

    The "One Big Beautiful Bill" is here—and it's changing the math on deductions, income timing, and year-end tax strategy. In this episode we cut through the complexity to spotlight the most important moves to make before December 31, 2025. We unpack what high earners need to know about charitable deductions, the new 35% cap, clean-energy credits, and how to make the most of your AGI and MAGI thresholds—without drowning in details. Pour yourself a cup of your favorite brew and tune in for clear, actionable ideas on how to finish the year tax-savvy and confident. Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures  0:00 – Why careful planning matters before 2025 0:19 – Important disclosure from Monument Wealth Management 2:10 – The "One Big Beautiful Bill Act" explained 4:09 – How the new tax code adds complexity 7:50 – Managing income thresholds and deductions 11:14 – Year-end moves to consider for 2025 15:00 – Energy credits and charitable giving changes 18:31 – The long-term view and the value of professional advice   Connect with us:  Get our Free Private Wealth Advice Newsletter: https://www.monumentwealthmanagement.com/subscribe  LinkedIn: https://www.linkedin.com/company/monument-wealth-management/  Connect with Emily on LinkedIn: https://www.linkedin.com/in/emilyharpercfp/ Connect with Jessica on LinkedIn: https://www.linkedin.com/in/jessicagibbscfp/  Instagram: https://www.instagram.com/monumentwealth/#

    25분
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소개

Pull up a chair, pour your favorite drink, and join Monument Wealth Management partners Jessica Gibbs, CFP®️ and Emily Harper, CFP®️ for candid, coffee-table conversations about money, meaning, and the moments that matter. We're answering the most pressing questions successful people have about creating and preserving their wealth, along with and a human take on making life option rich—served one sip at a time. Have a wealth management question you want answered? Send it to us at betweensips@monumentwm.com.

정보

  • 제작진
    Monument Wealth Management
  • 방송 연도
    2025년 - 2026년
  • 에피소드
    13
  • 등급
    전체 연령 사용가
  • 저작권
    © Monument Capital Management
  • 웹사이트 보기
    Between Sips