Speakers Melissa Joy and Joanne Giardini-Russell While many costs go down in retirement, health care continues to creep up occupying substantial financial resources as well as time. In this informative 20-minute webinar, Melissa Joy, CFP® and Joanne Giardini- Russel, founder of Giardini Medicare will discuss trends in longevity as well as planning strategies that help…
Is It the Right Time to Refinance?
Mortgage rates have hit historic lows and many people are taking advantage of this by refinancing. If you are looking to decrease your monthly mortgage payment or reduce your interest expenses over the life of your loan, refinancing may be the answer. See if you should consider refinancing, what the benefits are, and what you…
Category: Financial Planning , Investments
Five Financial Things To Do Before Year-End
While markets have been resilient, 2020 has been an interesting year, to say the least. With an economic recession, global pandemic, and rather divisive election season underway, it may be tempting to sit back and wait for the new year to make any moves. As the end of the year approaches, here are five financial…
Category: Financial Planning
Important Financial Considerations for Michigan No-Fault Insurance Reform
How do you make decisions with the Michigan auto insurance changes taking place this summer? You need to consider your personal circumstances and risks as you make decisions based on the new law. Content of Video On July 1, 2020, the Michigan No-Fault Insurance changes are taking effect as were passed in 2018. With these changes comes…
Category: Insurance , Law Changes
Melissa Joy Guest on “Financial Finesse” Podcast
Melissa Joy recently joined financial planner Cathy Curtis to discuss how a comprehensive financial planner works with clients and the value of independent financial advice. Cathy is a friend of Melissa’s and a financial planner located in Oakland, California. This is a great way to learn what financial planning looks like. Included: – Why having…
Category: Financial Planning , Pearl News
5 Predictions for Our Post-Coronavirus Future
It turns out pandemics wear you out. This “new normal” is starting to feel like “normal-normal”, but it’s not the day-to-day that I would choose for myself, or any of us. Countless friends and clients have lost their job or been severely impacted by shutdowns and stay at home. Pundits argue. Through all of this,…
Category: Financial Planning , Lifestyle