『Women's Money Wisdom』のカバーアート

Women's Money Wisdom

Women's Money Wisdom

著者： 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/

© 2026 Women's Money Wisdom 人間関係 個人ファイナンス 社会科学 経済学
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  • 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
    2026/10/13
    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 分
  • 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
    2026/10/06
    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 分
  • Episode 343: Giving with Purpose - A Guide to Charitable Planning and Donor Advised Funds with Grace Bernhardt

    Episode 343: Giving with Purpose - A Guide to Charitable Planning and Donor Advised Funds with Grace Bernhardt
    2026/09/29

    Charitable giving can grow your impact, pass your values to the next generation, and lower your tax bill, but only when the intent to give is genuine.

    Melissa Joy, CFP®, sits down with Grace Bernhardt, Director of Charitable Solutions and Advisor Experience at Raymond James Trust, for a wide-ranging conversation on charitable giving philosophy and the planning tools available to put it into practice. Melissa and Grace walk through the full spectrum of giving vehicles, from private foundations and charitable lead and remainder trusts to the fast-growing donor advised fund, explaining how each structure works, who it tends to fit best, and the tax and legacy benefits each one offers.

    The conversation goes beyond the mechanics to explore why families give: using philanthropy to pass down values across generations, preparing heirs to be good stewards of wealth, and building giving strategies around major income events like a business sale, a large bonus year, or an inherited retirement account. Grace and Melissa also share how they each use donor advised funds in their own families, and Melissa reflects on why charitable giving should never be pursued purely for a tax break if the charitable intent isn't genuinely there.

    What You'll Learn

    • The difference between a private foundation, a donor advised fund, and community foundations, and how to choose among them
    • How charitable lead trusts and charitable remainder trusts work, and when each one makes sense
    • Why donor advised funds have become one of the fastest-growing charitable structures in the industry
    • How donating appreciated stock or other assets, rather than cash, can help you give away a future capital gains tax liability
    • How to use charitable giving strategically around high-income years, bunching deductions, and inherited retirement accounts
    • How to set up successor donors and legacy giving plans so a donor advised fund can outlast your lifetime
    • Why charitable giving should be grounded in genuine intent, not pursued for tax benefits alone

    About Grace Bernhardt

    Grace Bernhardt is Director of Charitable Solutions and Advisor Experience at Raymond James Trust, where she works with clients and financial advisors on philanthropic planning strategies, including donor advised funds, private foundations, and charitable trusts. She previously served as Director of Sustainable Investing at Raymond James. Learn more about Raymond James Charitable at raymondjamescharitable.org or connect with Grace on LinkedIn.

    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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    43 分
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