Widowed But Not Alone

Todd Bessey
  • 5.0 (4)
  • INVESTING
  • UPDATED BIWEEKLY

Widowed But Not Alone with Todd Bessey of Creidim Wealth Partners. A podcast designed to help people who have lost a partner and the people who support them. We will share stories and resources that will help support your needs, address your financial concerns, and guide you to BELIEVE in your future.

  1. 02/07/2023

    Reverse Mortgages 101 with Will Yoho (Ep. 14)

    As your circumstances change, so will your cost of living, and for homeowners age 62 or older, a reverse mortgage may be the tool you need to help you access a greater cash flow. In this episode, we are joined by Will Yoho, Sr. Loan Officer at University Bank and reverse mortgage expert. Will shares with listeners why a reverse mortgage might be an excellent tool, especially after losing a spouse, and how it can help your money outlive you. Todd and Will discuss: What a reverse mortgage is The basic requirements to qualify for it How to find out if a reverse mortgage is a good financial option for you How a reverse mortgage is different from home equity or a line of credit Why the stigma around having a reverse mortgage is not always accurate And more! Resources: Will Yoho – University Bank Connect with Will Yoho: LinkedIn: Will Yoho Contact: (847) 341- 7672  Connect with Todd Bessey:  CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners   About Will:  William Yoho has been assisting homeowners for nearly two decades. As a residential loan officer lending across the country, he has helped with purchases, refinances, and reverse mortgages for single-family homes, condos, and townhomes. He has experience working with clients in every transition of life, from first-time homebuyers to downsizing retirees. Since 2007, Will has specialized in reverse mortgages. A lending program designed to help seniors access the equity in their homes for everyday expenses such as property taxes, medical bills, home repairs, and even caregiving. His professional and compassionate approach enables seniors and their families to find solutions and help for often complex financial and social situations. Seemingly difficult issues such as incompetency, guardianship, trusts, POA, title issues, and end-of-life planning are part of his normal workday.

    26 min

  2. 11/15/2022

    Buying a Home? Here’s How to Finance The Purchase (Ep. 13)

    Deciding to purchase a new home means you’ll need to understand how to finance it. Whether you are buying or selling a home, your financial planner and the right mortgage broker can help analyze your financing options. In this week’s episode, we are joined by Howard Fielder, Senior Mortgage Consultant at Wintrust Mortgage, to talk about how to strategically find ways to finance your next home in this volatile market. Todd and Howard discuss: How to address some of the biggest challenges with financing the purchase of a home The different steps in the application process How to help individuals qualify for a mortgage if they don’t have earned income The mortgage products available in today’s market Potential problems in the home financing process and how to avoid them And more Resources: Wintrust Mortgage: Howard Fielder  Connect with Howard Fiedler: LinkedIn: Howard Fiedler  Mobile: 815-245-7353 Email: hfiedler@wintrustmortgage.com  Connect with Todd Bessey:  CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners   About our Guest:  As a Senior Mortgage Consultant at Wintrust Mortgage, Howard Fielder has over 28 years of experience in originating mortgages for clients in the northwest suburbs of Chicago. His business is based on treating everyone who contacts him with the best possible consulting, service, cost structure, and rates. Wintrust Mortgage is a mortgage banker that works with several different banks and lenders. We offer competitive pricing and a wide variety of mortgage products for the first-time homebuyer to the seasoned veteran, as well as the technology and support staff to ease you through the process.

    21 min

  3. 10/11/2022

    Should I Stay or Should I Move? (Ep.12)

    Often one of the big decisions facing a widowed person is whether to move or stay in their current home.  Working with a financial planner and an experienced real estate advisor is the logical next step. In this episode, Dawn Bremer of Keller Williams Success Realty shares her expertise in helping widowed clients assess the value of their home, what to consider in this market, and the process she uses to guide clients through the next steps.  Dawn discusses: The educational process she takes her widowed clients through How she assesses clients needs and considers their financial situation The evaluation process for purchasing a home as a widow and what it entails  The factors to consider when deciding between buying, selling, or renting  And so much more Resources:  Keller Williams Success Realty Connect with Dawn Bremer: Phone: 847-456-6334 Email: bremerteam18@gmail.com  Connect with Todd Bessey: CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners    About our Guest:  Dawn Bremer leads the team at Keller Williams Success Realty as a real estate broker. She has over 20 years of experience in guiding her clients through the home buying and selling process. Along with her dedication to serving client needs, she has also been very active in the community. She has volunteered with many nonprofits, including the United Way and Food for Thought. She also serves as President of Kids In Need. Dawn holds leadership positions such as President of her local school board and Commissioner of planning and zoning in the city of McHenry, Illinois.

    20 min

  4. 08/16/2022

    Protecting Yourself and Your Assets (Ep. 11)

    An insurance specialist is one among a group of professionals a widow reaches out to for financial guidance after the passing of a spouse. Choosing an insurance specialist that takes all your insurance coverage needs into consideration during this time is critical. In this episode, Todd Bessey has David Albanese, an independent insurance agent with Neis Insurance for 13 years, on the podcast to share some of the top considerations when it comes to insurance planning, and more. Todd and David discuss:  What Property and Casualty insurance is and the types of coverage that most people might need Examples of items not typically covered and how to include them in your policy Service line coverage and how it can benefit you Ways to save on your auto insurance premiums And more Connect with Todd Bessey:  Creidim Wealth Partners  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners   Connect with David Albanese: Email David Albanese Neis Insurance Agency About our Guest:  David Albanese has been an independent insurance agent with Neis Insurance for 13 years.  He specializes in the areas of auto, home, and health insurance.  When working with clients, Dave likes to take a consultative approach, explaining the cost and benefits of the various coverage levels.  In his free time, he’s a bit of a sports fan and loves traveling to visit his 13 nieces and nephews.

    20 min

  5. 07/26/2022

    Best Ways to Handle Scary Financial Markets (Ep 10)

    We are continuously waking up to conversations about conflict overseas, post-pandemic life, higher inflation, rising interest rates, and a declining stock market.  So, what actions should you take to protect your financial situation in uncertain times? In this episode, Todd Bessey is joined by Samantha Glaz of First Trust Portfolios to help address these issues. Sam provides some thoughts on navigating the financial market during tough times and the importance of playing the long game when it comes to your financial success.  Samantha discusses:  The difference between a bull and bear market How our current economic situation compares to previous economic difficulties Mistakes investors might make in a volatile market How to best position yourself for financial success And more Connect with Todd Bessey:  CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners   Connect with Samantha Glaz: First Trust About our Samantha Glaz:  Samantha Glaz is a Vice President with First Trust Portfolios in Wheaton, Illinois, Her focus is on providing financial advisors with industry-leading economic and market commentary, portfolio analysis and practice management consulting. Samantha has fifteen years of financial services experience, having worked for JPMorgan and Guggenheim prior to joining First Trust in 2014. Samantha graduated with academic honors from the business school at the University of Illinois in Champaign-Urbana.

    17 min

  6. 07/12/2022

    Protecting Yourself from Financial Fraud (Ep 9)

    Fraudsters are most successful when their victims are in a vulnerable state of mind, and losing a spouse can do that.  It’s hard enough to cope with the death of a spouse, but to have to worry about being scammed on top of that is just too much. Unfortunately, these scams are all too common and can hurt your financial plan. In this episode, Todd Bessey discusses common scams to watch for and preventive measures to help avoid them.  Todd discusses:  How fraudsters and scammers work The three types of scams that are most concerning How people can protect themselves from scams What to do if you have become a victim of fraud And more Connect with Todd Bessey:  CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners

    25 min

  7. 06/22/2022

    Tax Planning Ideas with Kelly Swisher (Ep 8)

    In the event of a spouse’s death, the surviving spouse is left feeling overwhelmed and confused when it comes to the family finances. Suddenly being responsible for all the bills, investments, and other money-related items can feel like a daunting task. Especially if you don’t have any previous experience in this area. In this episode,  Kelly Swisher, CPA and senior manager of accounting and tax services at Eder, Casella & Company returns to Widowed But Not Alone Podcast. She provides tips and tricks on how widows can keep more money in their pockets after their spouse’s death.  Kelly discusses:  Two things you need to do immediately after your spouse dies The age the surviving spouse can start to receive benefits  Taxation of Social Security Benefits  How interest is taxed at the state and federal levels  And More! Connect with Todd Bessey:  CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners   Connect with Kelly Swisher: Eder Casella LinkedIn: Kelly Swisher Phone Number: 815-331-8120 Email: kswisher@edercasella.com LinkedIn: Eder, Casella & Co. Twitter: Eder, Casella & Co About our Guest: My parents were great examples to me and my three sisters,” says CPA Kelly Swisher. “They showed us that hard work and generosity matters. They taught us how to be motivated, told us we should follow our dreams, and also encouraged us to enjoy life.” Those lessons eventually led Swisher from Rockford, Illinois, where she grew up and attended high school, to college, where she earned a Bachelors of Science in Accounting from Northern Illinois University in 2006 and a Masters of Accounting Science from the school a year later. She joined Eder, Casella & Co. in 2008, and is a manager working on tax returns, and monthly and quarterly accounting, while also offering QuickBooks assistance to business clients. “One of my strengths is I can easily adapt and work in many different accounting software platforms,” she says. Swisher, who is a member of the Illinois CPA Society and the Barrington Breakfast Rotary, enjoys the problem-solving nature of client relationships. “I enjoy helping clients who have accounting problems, a situation where I can come in to fix issues,” the married mother of three says. “It is also great to help clients with their accounting efficiencies — anything to help the client save time and money. Accounting is like a puzzle you have to figure out, with many moving pieces, and it feels great when the puzzle is solved.”

    29 min

  8. 05/24/2022

    Tax Planning After A Loss with Kelly Swisher (Ep 7)

    The hardest part of widowhood is dealing with the series of firsts that proceeds with your spouse’s passing. There is the first month after, the first birthday, the first anniversary.  Add in the first time doing taxes without your spouse on top of all of that can be daunting. Organizing your taxes is critical to giving you a sense of control. So, where and how do you start the tax planning process?  In this episode, Todd Bessey meets with Kelly Swisher, CPA and senior manager of accounting and tax services at Eder, Casella & Company. She provides tips and tricks that can help widows make good decisions when it comes to tax planning. Kelly discusses:  Best practices for widows dealing with taxes for the first time without their spouse  How long children can be claimed as dependents on your tax return What a spousal rollover is What step-up in basis means  And More! Connect with Todd Bessey:  CreidimWealth.com  LinkedIn: Todd Bessey  Phone: 224-600-5988  Email: Todd@CreidimWealth.com  LinkedIn: Creidim Wealth Partners  Facebook: Creidim Wealth Partners   Connect with Kelly Swisher: Eder Casella LinkedIn: Kelly Swisher Phone Number: 815-331-8120 Email: kswisher@edercasella.com LinkedIn: Eder, Casella & Co. Twitter: Eder, Casella & Co About our Guest: My parents were great examples to me and my three sisters,” says CPA Kelly Swisher. “They showed us that hard work and generosity matters. They taught us how to be motivated, told us we should follow our dreams, and also encouraged us to enjoy life.” Those lessons eventually led Swisher from Rockford, Illinois, where she grew up and attended high school, to college, where she earned a Bachelors of Science in Accounting from Northern Illinois University in 2006 and a Masters of Accounting Science from the school a year later. She joined Eder, Casella & Co. in 2008, and is a manager working on tax returns, and monthly and quarterly accounting, while also offering QuickBooks assistance to business clients. “One of my strengths is I can easily adapt and work in many different accounting software platforms,” she says. Swisher, who is a member of the Illinois CPA Society and the Barrington Breakfast Rotary, enjoys the problem-solving nature of client relationships. “I enjoy helping clients who have accounting problems, a situation where I can come in to fix issues,” the married mother of three says. “It is also great to help clients with their accounting efficiencies — anything to help the client save time and money. Accounting is like a puzzle you have to figure out, with many moving pieces, and it feels great when the puzzle is solved.”

    29 min
See All (14)

Ratings & Reviews

5
out of 5
4 Ratings

About

Widowed But Not Alone with Todd Bessey of Creidim Wealth Partners. A podcast designed to help people who have lost a partner and the people who support them. We will share stories and resources that will help support your needs, address your financial concerns, and guide you to BELIEVE in your future.

Information

  • Creator
    Todd Bessey
  • Years Active
    2022 - 2023
  • Episodes
    14
  • Copyright
    Copyright © 2022 Widowed But Not Alone
  • Show Website
    Widowed But Not Alone