Women's Money Wisdom copertina

Women's Money Wisdom

Women's Money Wisdom

Di: Melissa Joy CFP®
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You’re working hard, caring for everyone else, and managing a thousand details a day - but when was the last time you focused on your finances?

As a woman, you might carry the emotional and logistical weight of caregiving, parenting, career-building, and household management. It’s no wonder financial planning tends to fall to the bottom of your list -yet it’s one of the most important tools you have for protecting your future, your family, and your peace of mind.

Women’s Money Wisdom is here to change that.

Hosted by Melissa Joy, CFP®, founder of Pearl Planning in Dexter, Michigan, this weekly podcast is your space for practical insights and relatable advice to help you take control of your financial life. From investing and retirement to navigating life transitions and shifting your money mindset, you'll gain the clarity and confidence you need to make empowered decisions.

Maybe you’re preparing for retirement, juggling the needs of both kids and aging parents, or growing a business you’ve built from the ground up. You want to build wealth in a way that reflects your values. You want guidance that honors your full life, not just your portfolio. And most of all, you want a trusted partner who sees the whole picture, not just the numbers.

If you’re ready to stop putting yourself last - at least financially -this podcast is your starting point.

Subscribe to Women’s Money Wisdom and make your financial future a priority.


The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplanning.com/

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Episodi
  • Episode 346: The Great Wealth Transfer Is About More Than Money: Caring for Aging Parents and Planning Ahead with Tiffany Charles

    Episode 346: The Great Wealth Transfer Is About More Than Money: Caring for Aging Parents and Planning Ahead with Tiffany Charles
    Oct 20 2026

    The great wealth transfer is usually framed as a story about accounts changing hands. Melissa Joy, CFP®, and Tiffany Charles, a wealth advisor at Traction Financial Partners, talk about everything that surrounds that headline: aging parents, shifting care needs, caregivers stretched across work and family, and the paperwork, phone calls, and decisions that land on the next generation. Tiffany shares what she learned after losing her father two years ago, including how an estate attorney, a financial advisor, and a tax professional working together gave her mother comfort during a hard season.

    Melissa and Tiffany also discuss what to look for in an advisor who can serve more than one generation, from a planning focus that goes beyond the investment accounts to a professional network that reaches into care, legal, and housing decisions. They cover how to start the money, aging, and legacy conversation with parents, why roles named in an estate plan should be explained to the people who hold them, and how a family sit-down, a letter, or a video can open the door when conversations feel too hard to have in person.

    What You’ll Learn

    • Why the great wealth transfer involves caregiving, housing, health, and family dynamics, not only account transfers
    • How a now, soon, and later triage list can help caregivers decide what to handle first and what can wait
    • Why caregivers need space for their own wellbeing while they manage a parent’s finances
    • What types of aging and after-loss support exist, and why finding them before a crisis helps
    • What to look for in an advisor for your parents or yourself, including planning beyond investments and a connected network of professionals
    • Common items that get missed, such as required minimum distributions, tax filings, and tax withholding
    • How a coordinated team of advisors can help a family manage timing, including estate tax return decisions and the step-up in value on a home
    • Why trusted contacts, powers of attorney, and estate plan roles should be explained to the people named
    • Ways to open the conversation with parents, including a family meeting, writing, or video
    • How inheritance can be approached in your own planning without counting on it

    About the Guest

    Tiffany Charles is a wealth advisor at Traction Financial Partners, where she helps women, families, and business owners make confident wealth decisions. She brings a strategic, relationship-driven approach to wealth planning and long-term financial decision making. Tiffany has worked in the wealth management industry for 15 years and serves on the board of bQuest, a platform that helps advisors connect clients with vetted aging care and after-loss resources.

    Website: https://tractionfp.us/

    LinkedIn: https://www.linkedin.com/in/tiffany-charles-1a3998b0/

    The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...
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    44 min
  • Episode 345: Investing in Line with Your Values: Vegan and Climate-Conscious Portfolios with Claire Smith

    Episode 345: Investing in Line with Your Values: Vegan and Climate-Conscious Portfolios with Claire Smith
    Oct 13 2026
    Melissa Joy, CFP®, sits down with Claire Smith, CEO of Beyond Investing and founder and Chief Investment Officer of Beyond Impact, to talk about building a portfolio that reflects personal values. Claire traces her path from investment banking and investment consulting to a decision to devote her career to vegan, climate-conscious investing. She explains how the rules-based screens behind the Vegan Climate ETFs decide which companies are included and which are left out, from fossil fuel producers to supply chain businesses tied to animal agriculture, and how proxy voting and direct company engagement, including an example involving Apple and leather watch straps, can be used to influence corporate behavior.The conversation then turns to private markets, where Claire explains how venture capital differs from publicly traded funds, what it means to back seed-stage companies in alternative proteins and animal-free materials, and why these funds are generally limited to accredited and institutional investors. Melissa and Claire also take on a common question about values-based investing, whether it means giving up returns, with Claire sharing what she has observed since the ETF launched and a reminder from Melissa that past performance does not predict future results.What You'll LearnHow a career in investment banking and investment consulting led Claire Smith to build vegan and climate-conscious investment productsWhat Claire means by "what gets financed gets done," and why she sees withdrawing financing as one way to influence the companies we invest inHow rules-based screens decide which companies are excluded, including supply chain businesses tied to animal agriculture and fossil fuels, and how mid-cap holdings are used to rebalance sectorsWhat cap-weighted indexes are, and why a stock falling out of a major index can matterHow fund sponsors use proxy voting, shareholder resolutions, and direct engagement to influence the companies they holdWhy Claire says a disproportionate number of exploited animals are female, and why she raises it from a feminist standpointHow venture capital differs from an ETF, including seed investing, ten-year time horizons, limited partners, and who can access these fundsWhat Claire has observed about the performance of her ETF since launch, and why past performance does not predict future returnsAbout the GuestClaire Smith is the CEO of Beyond Investing, a registered investment adviser formed in 2017 to create publicly available vegan and climate-conscious investment products, and the founder and Chief Investment Officer of Beyond Impact, a venture capital firm focused on plant-based, alternative protein, and animal-free materials companies. Beyond Investing created the US Vegan Climate Index, which is tracked by the US Vegan Climate ETF (ticker VEGN), launched in September 2019, and offers an international Vegan Climate ETF. Before founding Beyond Investing, Claire spent decades in finance, including roles at UBS and as a partner at the alternatives advisory firm Albourne Partners. She was named Investment Leader of the Year in the 2022 Environment Finance Sustainable Investment Awards.Beyond Investing: beyondinvesting.comUS Vegan Climate ETF: veganetf.comInternational Vegan Climate ETF: veganclimateetf.comBeyond Impact: beyondimpact.vcBeyond Investing on LinkedIn: linkedin.com/company/beyond-investingBeyond Investing on X: @BeyondInvestThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...
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    43 min
  • Episode 344: Walking on Broken Glass: Recognizing Workplace Bias and Career Takedowns with Shannon Nutter

    Episode 344: Walking on Broken Glass: Recognizing Workplace Bias and Career Takedowns with Shannon Nutter
    Oct 6 2026
    Doing great work is supposed to protect your career. But what happens when being a high performer, speaking up, or challenging the status quo is exactly what puts you at risk? Melissa Joy, CFP® sits down with Shannon Nutter, a global executive, board director, and founder of My Classroom Economy, whose career includes leadership roles at Vanguard, Deloitte, and General Motors. Shannon is the co-author, with Julia C. Carreon, of the new book Walking on Broken Glass: Navigating the Aftermath of the Glass Ceiling, a decoder kit for recognizing the biases and double standards that have been normalized in so many workplaces.Shannon explains the idea of a "takedown," when accomplished people, many of them women, are purposefully managed out after they push back, question power, or simply succeed. After a single LinkedIn post flooded her inbox, she paused writing to interview more than 100 people, and she shares the early signs and signals that emerged from those stories. She and Melissa also unpack the Goldilocks syndrome, why so many women personalize what is actually systemic, and the everyday choices we can all make as colleagues, leaders, consumers, investors, and voters to change the culture. Along the way, Melissa connects it back to financial planning: your career is often your largest asset, and preparing for career risk is part of protecting your balance sheet.What You'll LearnWhat a "takedown" is, and why high performers who challenge the status quo, question compensation, or exceed their goals can be the ones managed outEarly warning signs to watch for, from canceled one-on-ones and shrinking decision rights to a sudden performance plan after a new boss or mergerPractical ways to protect yourself: documenting achievements, keeping your resume current, and building a network outside your companyThe Goldilocks syndrome, and why women are so often described as too much or too little but rarely just rightSimple, low-risk phrases you can use in a meeting to redirect credit or reframe biased feedback for a colleagueWhy workplace bias is systemic rather than personal, and how that recognition can be validatingHow your choices as a leader, consumer, investor, and voter can push for change, even if you are not in the C-suiteWhy career risk belongs in your financial plan, since your human capital is often the largest asset on your balance sheetGuest BioShannon Nutter is a global executive, board director, business advisor, and author with more than two decades of leadership experience at organizations including the Vanguard Group, Deloitte, and General Motors. She is the founder of My Classroom Economy, a free K-12 program that teaches children financial responsibility through experiential learning. Shannon is the co-author, with Julia C. Carreon, of Walking on Broken Glass: Navigating the Aftermath of the Glass Ceiling (Practical Inspiration Publishing, 2026). She holds a BA from Macalester College and an MBA from Duke University's Fuqua School of Business.Connect with Shannon:LinkedIn: linkedin.com/in/shannon-nutterCo-author Julia C. Carreon on LinkedIn: linkedin.com/in/julia-c-carreonBook: Walking on Broken Glass: Navigating the Aftermath of the Glass CeilingMy Classroom Economy: myclassroomeconomy.orgThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...
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    37 min
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