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Insights from the Experts

A cornerstone of financial confidence is financial literacy.  From learning about types of investment accounts, to saving for education, to creating an estate plan, and then learning what the tax consequences are of all those decisions! 


Financial literacy for women is especially needed as more women are in charge of their finances and starting businesses of their own than ever before. Read along with our experts as we shift the paradigm of how women view themselves and their ability to build wealth, and talk about leadership, mental health, family, and everything in between.

Guest Post: What is a Special Needs Trust? Thumbnail

Guest Post: What is a Special Needs Trust?

If a person with special needs has assets -- perhaps from a lawsuit award or settlement or from a gift or inheritance – those assets can disqualify the person from receiving essential public benefits like Medicaid and Supplemental Security Income (SSI). A special needs trust can allow the person with special needs – the trust’s beneficiary -- to remain eligible for needs-based public benefits while at the same time preserving the assets to enhance the beneficiary’s quality of life.

Special Needs Planning
How the Financial Planning Industry has Failed Women...and How We Fix it Thumbnail

How the Financial Planning Industry has Failed Women...and How We Fix it

"I know I shouldn't have so much just sitting in cash," my client says as we're looking at her checking account, and then she laughs a little bit to lighten the conversation. "I should do something with it, I know, but I just like having it there. I like to see it and know it's right there." We're not looking at $5,000 or $25,000 of cash either. We're talking $100,000, $300,000, even $1,000,000 or more of cash on the sidelines that I've worked through with my own clients.

X² For Women
What is…a Roth IRA? Thumbnail

What is…a Roth IRA?

So we’ve got our apple carts all lined up, and now we’re looking at the Roth IRA apple cart. This cart is special, because it has tax benefits that you don’t get with the other carts (Traditional IRA, regular Brokerage account, even a Money Market account). You have to pay taxes before contributing to the Roth IRA, but when you follow the distribution rules laid out by the IRS the withdrawals are completely tax free later on!

Investing Retirement Funding Tax Planning What Is...?
What is…a Traditional IRA? Thumbnail

What is…a Traditional IRA?

“IRA” stands for Individual Retirement Account, and there are all different kinds of IRAs depending on what you’re trying to accomplish. We’re not going to go through all of the types of IRAs in this post, though, we’ll break it down and start with the Traditional IRA. First, an IRA isn’t an investment, so opening one and throwing money into it won’t automatically mean it’s going to grow when you hear someone on the news say “The Dow hit a new all-time high today!” (We’ll talk about what “The Dow” and “The S&P 500” mean later.) Instead, think of an IRA as an empty apple cart. In fact, all your accounts are empty apple carts!

Investing Retirement Funding What Is...?
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