Shows
Divorce Rich with Jacki Roessler, CDFADivorce in a Downturn: Stock Market Fears with Wealth Advisor, Melissa FradenburgSend us a textWhen market volatility collides with divorce proceedings, the resulting anxiety can feel overwhelming. But what if this turbulence actually presents unexpected opportunities? Jacki Roessler and wealth advisor Melissa Fradenburg cut through the political noise surrounding recent tariffs to deliver actionable financial wisdom for those navigating divorce during uncertain economic times.This eye-opening conversation tackles the psychological barriers that prevent smart financial decision-making. While most of us hunt for sales when shopping for clothes or furniture, we panic when investments go "on sale" during market dips. During divorce, when emotions a...
2025-04-1033 min
Divorce Rich with Jacki Roessler, CDFAInvesting Myths Busted, with Melissa Fradenburg, Wealth AdvisorSend us a textCan investing outside of a bank account or CD be safe for those navigating a divorce? Tune in as we shatter the myth of high investment risk with my special guest, Melissa Fradenburg, CDFA, AIF, a seasoned wealth advisor with Antonelli Financial in Grosse Pointe, Michigan. Together, we unpack the essential strategies for maintaining your purchasing power and combating inflation through long-term investments. Learn how balancing financial safety with diversified investments can set you on the path to financial security. Let Melissa's practical advice guide you through this transformative period, ensuring your financial de...
2024-10-0327 min
Divorce Rich with Jacki Roessler, CDFAI'm Divorced, Now What? with Financial Advisor, Melissa FradenburgSend us a textJoin Jacki and her guest, financial advisor Melissa Fradenburg to tackle the crucial steps to regain your financial footing after divorce. This episode isn't just about crunching numbers; it's about crafting a future paved with financial clarity and independence.Transparency is the cornerstone of any relationship, especially the one with your financial advisor. We peel back the curtain on the compensation models of advisors, emphasizing the need for a crystal-clear understanding of fees. Plus, we underscore the importance of asking the right questions to ensure your advisor is in your corner, r...
2024-05-1633 min
Women's Money WisdomEpisode 206: Dividing Up Finances: Yours, Mine, and OursIn this episode of Women’s Money Wisdom, Melissa Fradenburg explores the intricate dynamics of managing finances within relationships. With a focus on the importance of financial transparency and communication, Fradenburg draws from her own experiences to shed light on the complexities couples face when merging their financial lives.Tune in to gain valuable insights on managing finances within relationships, fostering open communication, and planning for a secure financial future together.Listen and learn:The importance of learning to manage joint accountsHow to navigate pre-marriage financesSteps to plan for the futureHow Pearl Pl...
2024-02-1321 minWomen's Money WisdomEpisode 203: What Lions Playoff Tickets Teach Us About Financial PlanningAre you guilty of comparing your financial decisions to others? In this episode of Women's Money Wisdom, Melissa Fradenburg, delves into the pitfalls of financial comparison. It all started with the outrageous ticket prices for a Detroit Lions home playoff game, reminiscent of those Taylor Swift tickets at Ford Field. Melissa shares her personal insights and explores how comparing finances with others can be unproductive. Discover the importance of financial planning, building emergency funds, and setting clear financial goals. Learn how having a tailored financial plan allows you to splurge on what truly matters to you without falling into t...
2024-01-2311 minWomen's Money WisdomEpisode 200: Setting Financial Resolutions and Goals for 2024In this episode, Co hosts Melissa Joy and Melissa Fradenburg kick off the new year with a lively discussion on how to set and achieve your financial resolutions for 2024. They emphasize the importance of taking a strategic approach to your financial planning and share practical tips to help you get organized and stay on track throughout the year. The Melissa's share actionable steps you can take to start the year on the right financial footing, including budgeting, automating savings, and optimizing interest rates on your savings accounts. They also remind listeners to consider their tax planning needs and the...
2024-01-0218 minWomen's Money WisdomEpisode 199: Turning Thrift Store Finds into Profit with Ruth FradenburgHave you considered starting a side hustle thrifting and reselling items? In this episode special guest and life long thrifter, Ruth Fradenburg, we discuss the nitty-gritty of making sales on sites like Poshmark, Ebay and Facebook marketplace. Ruth shares tips on what to look for as well as how to post and price items for resale. Her tales of trials and triumphs in the online marketplace are not just entertaining but are laced with practical tips, like the power of a good photograph and the art of honest product descriptions. Ruth's sparkling insights are not to be missed, so l...
2023-12-2623 minWomen's Money WisdomEpisode 196: Slaying the Holiday Budget Beast: Tips and TacticsDo you feel like you're hemorrhaging money every holiday season? I've been there, and want to share some things that help to navigate holiday spending without breaking your budget. Join Co-host Melissa Fradenburg as she unpacks five effective strategies drawn from her own experiences and missteps. Melissa breaks down how to set clear gift-giving expectations, stick to a fixed budget, and make the most from seasonal sales. Learn how to leverage apps or spreadsheets to track your gift ideas and purchases, saving you from last-minute shopping stress and unexpected costs. And if you're tired of the materialism, we've got y...
2023-12-0524 minWomen's Money WisdomEpisode 192: Resisting the Spending to Impress Trap: Financial Planning Tips Inspired by Travis and TaylorEver find yourself caught in the spending to impress trap, also known as 'Keeping up with the Joneses'? Listen in as we draw examples from celebrities like Taylor Swift and Travis Kelce to discuss this age-old phenomenon. We delve into the allure of maintaining a lifestyle akin to those around us, even when it's not financially prudent. From the luxury of rented restaurants to the appeal of matching home décor, we evaluate how these spending habits often mirror our social circles and the influence of social media on our financial decisions. We assure you, a high net worth d...
2023-11-0716 minWomen's Money WisdomEpisode 191: Scariest Financial Planning MovesThis Halloween special episode uncovers scary financial blunders people commit, especially in relation to retirement planning and emergency savings. Melissa Fradenburg will walk you through the chilling implications of being too conservative with long-term investments and the terror of having your cash sit idle. We underline the importance of securing your own financial future before extending help to others. This episode is brimming with real-life scenarios and practical advice to keep you safe from these frightening financial pitfalls. So muster your courage, tune in, and let's bravely confront these unnerving money behaviors together!Resources:Listen to
2023-10-3113 minWomen's Money WisdomEpisode 189: Finding Personal Success and Wellness: A Conversation with Melissa Coulier Join Co-Host Melissa Fradenburg, CDFA®️, AIF® for an enlightening conversation with Melissa Coulier, author, entrepreneur, and co-founder of Living Well with Mel. We dive into her journey navigating through her partner's fame, and how she defined her own success while building a thriving career. Melissa bares her soul, discussing her struggles and triumphs, from her successful career in commercial and editorial photography to her experiences in a relationship where her partner was already well established. It's a raw and refreshing discussion about the power dynamics and complex challenges faced by ambitious women. We take a...
2023-10-1740 minWomen's Money WisdomEpisode 188: Understanding Health Savings Accounts with Melissa JoyEver wondered why a Health Savings Account (HSA) is often described as the holy grail in personal finance? Co-hosts Melissa Joy and Melissa Fradenburg discuss the nuts and bolts of HSAs and high deductible health plans in this episode of Women's Money Wisdom Podcast. We're delving into the potential savings from lower premiums and employer contributions, and the importance of striking a balance between present and future medical costs. We also talk about the unexpected out-of-pocket costs that may catch you off guard if you’re more familiar with traditional health plans.Resources:Learn more abo...
2023-10-1019 minWomen's Money WisdomEpisode 188: Success, Relationships, and Wellness with Melissa CoulierImagine navigating the complexities of career ambition and entrepreneurship while living in the shadow of a famous spouse. Sounds challenging, right? Our guest, Melissa Coulier, an accomplished photographer and entrepreneur, did just that. Co-Host Melissa Fradenburg, CDFA®️, AIF® discusses Melissa Coulier's unique journey to success and how she carved her path despite societal expectations. She shares her transformative journey after being diagnosed with Lupus, overcoming imposter syndrome, prioritizing health, and tackling societal pressures that deter women from chasing their business dreams. Tune in for this enlightening episode as we uncover the different layers of success, relation...
2023-10-0345 minWomen's Money WisdomEpisode 187: Navigating the Costs of Weight Loss: A Personal JourneyHave you ever wondered about the cost of the popular injectable weight loss drugs? In this candid episode, Co-Host Melissa Fradenburg, CDFA®️, AIF® is pulling back the curtain on her personal journey, navigating the costs and side effects of weight loss medication. With an overwhelming response on social media to her weight loss story, it's clear that many of us are in the same boat. From exploring the expensive terrains of name-brand medications to finding cost-effective treatment through compounded medications, Melissa's journey has taught her the significance of understanding healthcare costs and the benefits of cost-effective treatments. As we...
2023-09-2619 minWomen's Money WisdomEpisode 184: The Role of 'Girl Money' in Financial Literacy for WomenWelcome to season 4! Co-hosts Melissa Joy and Melissa Fradenburg discuss the significance of ‘girl money’ and ‘girl math’ in shaping budgeting and making financial decisions. The concept of 'girl money' and 'girl math' is currently trending on Tik Tok. Can these ideas really play a role in financial decisions and budgeting? Can they change the way we perceive purchasing and spending? What is the underdiscussed stigma surrounding these concepts? in this episode, we exchange views on differing spending priorities for various people and families, and the crucial role women often play in managing household finances. We highlight the necessity of researc...
2023-09-0521 minWomen's Money WisdomEpisode 183: Financial Self-Control and Budget ManagementWant to get a grip on your finances? Then you'll absolutely love this week's episode of 52 Pearls Weekly Money Wisdom Podcast, where we dive into the art of cleaning up your budget. This week, Melissa Fradenburg shares strategies and personal stories of the everyday struggles of groceries, mobile app purchases, and personal shopping pitfalls. We pull back the curtain on our own experiences to help you trim down those bills and regain control of your money. Whether you're trying to tighten your purse strings, or looking to make some room for new financial goals, you don't want...
2023-08-2921 minWomen's Money WisdomEpisode 182: Turning the Back-to-School Season into a Financial ResetWhat if the back-to-school season wasn't just a time of frantic shopping and schedule juggling, but also an opportunity for a financial reset? Melissa Fradenburg discusses how this transitional period can be used as a stepping stone towards financial wellness, offering insights on re-evaluating your financial status and achieving your goals. We tackle a range of topics, from checking up on your retirement savings and credit score, to rethinking your spending habits and debt payment strategies. We also dive into the subject of open enrollment, tax withholding, and how to make the most out of your work benefits. So...
2023-08-2211 minWomen's Money WisdomEpisode 181:Common Money Conflicts for Couples and How to Resolve ThemAre you ready to gain the upper hand over one of the most common sources of contention in relationships? We're talking about money, of course! In this episode Melissa Fradenburg, CDFA®️, AIF®, will help you defuse the ticking bomb of financial discord. Together, we dissect the three most prevalent money conflicts couples encounter and offer you effective strategies to evade these confrontations. We take you through the classic spender versus saver dispute, unravel the complex issue of financial infidelity, and everything in between. Arm yourself with the power of communication, the convenience of automated savings, and the virtue of finan...
2023-08-1516 minWomen's Money WisdomEpisode 180: Budgeting for College Life: A Parent's Guide to College Send OffAre you preparing for college send off but feeling overwhelmed by the looming financial spreadsheet? Relax, we've got you covered. In this episode, Melissa Fradenburg shares personal experiences and insights to help you prepare for this financially demanding life event. Budgeting is crucial for managing expenses during the college years. We provide practical tips for creating a budget that covers living costs and talk about the importance of setting spending expectations with your college bound child. Resources:Learn more about Melissa Fradenburg, AIF® and Pearl Planning .Listen to Episode 166: Late-Stage College Plan...
2023-08-0815 minWomen's Money WisdomEpisode 178: Tipping: Navigating the Gratuity Landscape in a Changing WorldEver wonder why it feels like you're constantly asked to shell out bigger tips for everything from your Uber ride to your takeout order? You're not alone! On this episode, Melissa Fradenburg is pulling back the curtain on the convoluted world of tipping in the gig economy. We'll explore the norms, the expectations, and the technology that seems to nudge us into tipping more often and more generously.Resources:Learn more about Melissa Fradenburg, AIF® and Pearl Planning .Read Emily Post's General Tipping GuideRead US NEWS & World Report Ho...
2023-07-2526 minWomen's Money WisdomEpisode 177: Long Term Care Considerations for WomenIn today’s episode, we discuss the upsides and downsides of long-term care insurance and delve into key considerations when purchasing it. Join your host, Melissa Fradenburg, AIF® as we navigate the intricate world of personal finance, specifically designed for women. Melissa shares her recent experience visiting her grandmother in an assisted living facility as well as a basic overview of how long-term care insurance works as a standalone policy and as a rider on a life insurance policy. In addition to covering considerations when purchasing long-term care insurance, Melissa will share the most cost effective time to pur...
2023-07-1823 minWomen's Money WisdomEpisode 176: An Insight into Divorce Forensic Accounting with Tracy CoenenHave you ever wondered what a forensic accountant does in divorce cases? Are you worried about hidden assets or financial infidelity? In this episode, co-host Melissa Fradenburg, CDFA®️, AIF® welcomes Tracy Coenen, a renowned forensic accountant who specializes in helping find money during divorce. Tracy has created a 10-step Divorce Money Guide to help you find hidden assets and take control of the finances during your divorce, and she and Melissa dive into a few of the steps. They also discuss how to spot financial fraud and infidelity, as well as what every spouse, especially stay...
2023-07-1124 minWomen's Money WisdomEpisode 175:Financial Planning Discussions for CouplesHave you ever wondered why so many couples struggle to get on the same page with finances? Are you in a relationship where one person is in the dark on the overall financial picture? In this episode, Melissa Joy, CFP ® and Melissa Fradenburg, AIF ® tackle the all-too-common issue of one partner being left out of financial decisions. It’s not just about understanding finances but also about encouraging participation from both partners for balanced decision-making. Resources:Learn more about Melissa Joy, CFP. ® and Pearl Planning .Read More Than Money: Real Li...
2023-07-0425 minWomen's Money WisdomEpisode 172: Financial Lessons from Taylor Swift's Eras TourIn this episode, Melissa Fradenburg, CDFA®️, AIF® shares the financial implications of Taylor Swift Era's Tour tickets and how parents can use them as a valuable lesson in financial decision-making. How resisting the urge to overspend can teach our kids valuable lessons about choices and opportunity cost. We explore what it means to set realistic expectations about budgeting, and how to have honest conversations about our financial decisions with our children. Whether you're a Taylor Swift fan or not, this episode offers insights and lessons on financial responsibility that we can all learn from. If you spent too m...
2023-06-1318 minWomen's Money WisdomEpisode 169: Understanding the Debt Ceiling and its Impact on the EconomyAre you looking to better understand the national debt ceiling? In this episode, Melissa Fradenburg, CDFA®️, AIF® helps listeners gain a clearer understanding of the debt ceiling and why it matters. Melissa sheds light on the historical context of raising the national debt ceiling and explains why it's likely that Congress and the Biden administration will reach an agreement on raising the debt limit. It's important to consider how this issue may influence personal financial decisions, such as investments and savings strategies. Remember, being proactive and staying educated is key to navigating the ever-changing financial landsca...
2023-05-2311 minWomen's Money WisdomEpisode 167: Demystifying Credit Scores with Melissa FradenburgAre you looking to better understand your credit score and take steps to improve it? In this episode, Melissa Fradenburg, CDFA®️, AIF® discusses credit scores and how they impact your financial health. We cover the history of credit scores and why they matter, the five factors that determine your credit score, and tips to improve your score over time. We also discuss why it's important to regularly check your credit report and the best resources to do so. Taking control of your credit score is an important step towards financial health and stability.Resou...
2023-05-0920 minWomen's Money WisdomEpisode 165: Five Financial Tips to Implement After Filing Your TaxesIn this episode, Melissa Fradenburg, CDFA®️, AIF® shares 5 essential tips to help you make the most of your financial situation after filing your taxes. Tune in to discover smart money moves, investment strategies, and retirement planning advice to consider while your tax situation is fresh in your mind. We will discuss:Understand the importance of adjusting your tax withholding based on your current financial situation.Learn why it's essential to contribute the maximum amount to your retirement accounts.Understand the significance of tax-advantaged accounts.Are you taking advantage of tax loss harvesting for your taxab...
2023-04-2510 minWomen's Money WisdomEpisode 164:Why Timing the Market During a Recession Can Hurt Your Investment ReturnsWhy do people try to time the market? One reason is that they want to avoid losses during a recession. But the reality is that it's very difficult to time the market effectively. In this episode, Melissa Fradenburg, CDFA®️, AIF® discusses whether it's a wise investment strategy to time the market during a recession. We'll look at some historical data to explore why pulling your money out of the market during a recession may not be the best move, and why trying to time the market can actually hurt your investment returns. Learn more about Pearl...
2023-04-1816 minWomen's Money WisdomEpisode 163: Mortgage Rates and the Unlikelihood of a 2008 Repeat with Nathan SteinerAre you looking to purchase a home but worried about the housing market and higher mortgage rates? In this episode, we welcome back Nathan Steiner, NMLS #771054, Senior Vice President of lending with Guaranteed Rate. Nathan has over 20 years of lending experience and understands the unique challenges buyers and agents are facing in the current rate environment. Melissa Fradenburg, AIF and Nathan discuss the current state of mortgage rates, the potential for a recession, and why we don't think we'll see another housing crisis like in 2008. Nathan shares his valuable insights on the factors that differentiate...
2023-04-1117 min