Modern Family Finance Podcast

Jennifer Dazols

Welcome to the Modern Family Finance podcast, hosted by Jennifer Dazols, a CERTIFIED FINANCIAL PLANNER™. On this show, Jenni invites guests to share their wisdom on finances, careers, and life. She focuses on the specific challenges and opportunities that Women and LGBTQ individuals encounter in today’s ever-changing landscape. Whether you're managing your career, starting a business, or preparing for retirement, Jennifer's guests offer practical advice and support. Tune in for insightful conversations that feel like chatting with trusted friends. More at www.ModernFamilyFinance.com

  1. Sep 29

    Sitting on Highly Appreciated Stock? How a Charitable Remainder Trust Works (with Dr. Roger Silk)

    Holding highly appreciated stock, crypto, real estate or a business interest? A charitable remainder trust (CRT) can help you diversify, defer capital gains taxes and maximize income for your family, even if giving isn't your main goal. Jennifer Dazols, CFP®, founder of Modern Family Finance, sits down with Dr. Roger Silk, founder and CEO of Sterling Foundation Management. Roger has been helping families at the intersection of wealth and philanthropy since 1998. They cover how CRTs work, who they're a good fit for, when to start planning around an IPO or acquisition, and what happens if your life changes after you fund the trust. In this episode: The biggest misconception about charitable remainder trustsHow a CRT lets you sell low-basis stock without an immediate capital gains billA $10 million example comparing selling outright with selling inside a trustHow much income you can take out, and how to set the payoutMinimum amounts for public stock, private businesses and real estatePlanning for pre-IPO stock and why timing mattersWhat to do if you need the money later Chapters 0:00 Intro 1:30 What Sterling Foundation Management does 3:50 How Roger got into philanthropy and private foundations 5:00 Who charitable giving tools are for 7:00 The tax problem with low-basis stock in California 9:30 How a charitable remainder trust works 13:30 A $10M example: trust vs. selling outright 20:00 How much income can you take from a CRT? 23:30 Balancing payout, deferral and family goals 26:30 Who is a good fit for a CRT 30:30 Pre-IPO stock: when to start planning 33:00 Do CRTs help with RSU or compensation income? 34:00 The biggest misconception about CRTs 35:30 Risks, regrets and how to get money out 37:30 How CRT assets are invested 40:30 Next steps and how to reach Roger Resources Modern Family Finance: https://www.modernfamilyfinance.com/ Sterling Foundation Management: https://www.sterlingfoundations.com Subscribe for more conversations on money, career and life for modern families.

  2. Jan 29

    Pre-Marital Agreements in the SF Bay Area: What Couples Should Know in 2026

    Prenuptial agreements are one of those topics that many couples know they should talk about—but often avoid. They’re frequently misunderstood, associated with extreme wealth, or seen as unromantic. In reality, prenups can be one of the most thoughtful, practical tools modern couples use to protect themselves and each other. In this episode of the Modern Family Finance Podcast, I sit down with Katie Burke, a San Francisco–based family law attorney, to unpack what prenups (and postnups) really do, who they’re for, and why they matter—especially in California.

    Pre-Marital Agreements in the SF Bay Area: What Couples Should Know in 2026

  3. Jan 21

    SF Bay Area Family Guide to Credit Card Travel Rewards

    How do Bay Area families use credit card rewards to take unforgettable trips—without hurting their credit or getting overwhelmed? In this episode of the Modern Family Finance Podcast, Jenni sits down with Kerry Durkin of Carrie’s Points, Unpacked to break down how busy families can turn everyday spending into meaningful travel using credit card rewards. Kerry shares how her family used points to book bucket-list trips like Italy and Europe, why rewards travel isn’t just for extreme “travel hackers,” and how families can get started with simple, realistic strategies.

    SF Bay Area Family Guide to Credit Card Travel Rewards

  4. 04/29/2025

    How to Protect Your Partner, Kids, or Chosen Family With the Right Legal Documents​

    In today’s episode, we’re diving into estate planning—one of the most essential and most often overlooked parts of building a secure financial future. It’s not just about what happens when you're gone—it’s about protecting the people you love and making sure your wishes are honored when it matters most.For women, LGBTQ+ families, singles, and unmarried couples, the stakes can be even higher. The default rules don’t always reflect our lives or our values—which makes thoughtful, proactive planning all the more important.That’s why I’m so excited to welcome Jaime Santos of Santos Walding to the podcast. Jaime is a seasoned estate planning attorney based in the San Francisco Bay Area. A proud East Bay native and a graduate of Berkeley Law, she brings over 20 years of experience in estate planning, business law, and tax strategy. She does it all—and what drives her is helping people protect their families and their futures.

    How to Protect Your Partner, Kids, or Chosen Family With the Right Legal Documents​

  5. 04/15/2025

    Estate Planning for Singles Without Kids

    In today’s episode, we’re diving into a critical question: What do you do when you don’t have children—or family nearby—to advocate for you as you age? Whether you’re single, child-free, part of the LGBTQ+ community, or simply navigating complex family dynamics, this episode is for you. My guest is Mia Owsley, a licensed professional fiduciary and founder of Mia’s Fiduciary Services which serves the San Francisco Bay Area. Mia is a true advocate for those needing financial management, estate planning, and care coordination, ensuring that her clients wishes are honored, even when they cannot advocate for themselves. Show notes: https://www.modernfamilyfinance.com/how-to-plan-for-the-future-when-youre-on-your-own-or-without-family-nearby/

    Estate Planning for Singles Without Kids

  6. 03/21/2025

    How to Take Control of Your Time, Your To-To list, and Your Life in 2025

    In this episode of the Modern Family Finance podcast, we’re diving into a topic that affects everyone—time management and productivity. Whether you’re juggling a demanding career, personal responsibilities, or just trying to keep up with life’s never-ending to-do list, finding balance can feel overwhelming.Jenni welcomes Alexis Haselberger, a time management and productivity coach in the San Francisco Bay Area. Alexis has helped thousands of people "do more and stress less" through her coaching, workshops, and online courses. View show notes here: ⁠https://www.modernfamilyfinance.com/how-to-take-control-of-your-time-your-to-do-list-and-your-life-in-2025/ ⁠Sign to up receive Jenni’s email newsletter: ⁠https://www.modernfamilyfinance.com/download-article/⁠ Website: www.modernfamilyfinance.com

    How to Take Control of Your Time, Your To-To list, and Your Life in 2025

  7. 02/12/2025

    2025 Update: SF Bay Area Real Estate

    In this episode of the Modern Family Finance podcast, we talk Bay Area real estate with Dan Risman-Jones of Ascend Realty. Dan is an incredible resource with deep expertise in the San Francisco Bay Area housing market, specializing in San Francisco, Alameda County, Marin, and San Mateo. In today’s episode, we’ll dive into everything from Bay Area market trends and navigating mortgage rates to retirement planning and financial strategies for modern families.

    2025 Update: SF Bay Area Real Estate

  8. 09/25/2024

    How to Obtain a Second Passport or Residence Permit Abroad

    In this episode of the Modern Family Finance podcast, I’m diving into the exciting world of international living. As a financial planner based in the San Francisco Bay Area, I love helping women and LGBTQ professionals navigate their financial goals. Having lived in Europe and Asia for years at a time myself, I’m a huge advocate for the benefits of international living—not just for the adventure, but also as a way to reach financial independence faster. I often hear from clients who want to live abroad but aren’t sure how to secure residency or citizenship in another country. That’s why I’ve invited Jon Green, director at Latitude Consultancy, to join me. Latitude has helped over 6,000 people obtain second passports or residency permits in 20 countries, and Jon is here to share his expertise.

    How to Obtain a Second Passport or Residence Permit Abroad
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Ratings & Reviews

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About

Welcome to the Modern Family Finance podcast, hosted by Jennifer Dazols, a CERTIFIED FINANCIAL PLANNER™. On this show, Jenni invites guests to share their wisdom on finances, careers, and life. She focuses on the specific challenges and opportunities that Women and LGBTQ individuals encounter in today’s ever-changing landscape. Whether you're managing your career, starting a business, or preparing for retirement, Jennifer's guests offer practical advice and support. Tune in for insightful conversations that feel like chatting with trusted friends. More at www.ModernFamilyFinance.com

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