Long-term care is one of the most personal topics in financial planning, and also one of the most frequently avoided.

Melissa Joy, CFP®, is joined by Pearl Planning colleague Alexa Kane, CFP®, to unpack how families can think about care earlier and more realistically.

This conversation goes beyond nursing homes to explore in-home care, assisted living, and memory care, along with the emotional and financial realities families face when care is needed. Melissa and Alexa explain why long-term care planning often affects women more heavily, why waiting until later in life can limit options, and how today’s long-term care solutions differ from the policies many people remember from past generations.

Rather than assuming insurance is the answer for everyone, they walk through how Pearl Planning approaches long-term care thoughtfully, weighing costs, health considerations, family dynamics, and alternatives. The discussion also highlights what modern hybrid policies are designed to do, how underwriting works, and what options exist for those who cannot or choose not to pursue insurance.

Key takeaways include:

• Why long-term care planning is often a bigger issue for women
• How rising care costs can impact retirement plans and family decisions
• The importance of starting the conversation earlier than most people expect
• The difference between traditional long-term care insurance and newer hybrid options
• Practical alternatives to insurance, including self-funding and housing-based strategies

This episode offers a calm, realistic framework for approaching a difficult topic and encourages listeners to plan ahead before long-term care becomes an urgent decision.

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:...

If you’ve ever looked at a successful woman and wondered how she really built it — you’re not alone. Behind every thriving business is a story that doesn’t always show up on social media.

In this episode, Melissa Joy, CFP®, talks with Veronica McGibney, creator of LeadHer Magazine, a new print and digital publication dedicated to sharing the real, behind-the-scenes journeys of female founders.

Veronica shares how a moment of clarity at a business retreat sparked the creation of Lead Her, and how that idea quickly grew into a platform spotlighting women’s honest experiences — from uncertainty and burnout to growth, resilience, and long-term vision. Together, Melissa and Veronica discuss why branding is more than marketing, how visibility impacts opportunity and funding, and why telling the full story matters for women building businesses today.

You’ll learn:

• Why branding plays a critical role in both business growth and personal clarity
• How moments of uncertainty can signal it’s time to pivot or reassess
• What inspired the creation of Lead Her Magazine and its mission
• The realities women founders face that often stay behind the scenes
• Why visibility remains a challenge for women-led businesses
• Practical ways founders manage time, priorities, and competing responsibilities

If you’re building something, considering a pivot, or looking for a more honest picture of what success really takes, this conversation offers insight and perspective.

Resources:

• Learn more about Lead Her Magazine: leadhermagazine.com
• Connect with Veronica McGibney on LinkedIn: https://www.linkedin.com/in/veronicamcgibney
• Follow Lead Her Magazine on Instagram: https://www.instagram.com/leadhermagazine/

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:...

As the new year begins, Melissa Joy, CFP®, helps listeners slow down and reset before diving into financial to-do lists.

In this solo episode, Melissa lays out seven financial planning themes to help guide decisions in 2026. After an intense year of headlines, market shifts, and economic noise, this conversation offers perspective and grounding for those navigating what she calls the “messy money middle.”

Rather than reacting to the news cycle or trying to predict the future, Melissa focuses on practical planning themes — from diversification and human capital to tax changes, estate planning, and lifestyle pressures — all designed to help listeners approach the year ahead with clarity and flexibility.

This episode is meant to level-set expectations and provide a thoughtful framework for anticipating a successful year with your money.

In this episode, Melissa explores:

• Why diversification and rebalancing matter after a strong year for markets
• How international stocks, alternatives, and AI are shaping investment conversations
• Protecting your human capital and preparing for potential job disruptions
• Evaluating the return on investment when spending on skills and career development
• Key tax law changes and what they may mean for planning in the year ahead
• Updates to retirement catch-up contributions and charitable giving rules
• Why estate planning still matters, even when estate taxes may not apply
• How declining interest rates affect cash, savings, and investment decisions
• Determining how much cash to keep versus invest
• Navigating lifestyle inflation and the financial realities of the sandwich generation

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:...