Financial Wellness at Work

What if annual enrollment wasn’t just another HR task, but an opportunity to give yourself a financial reset—and potentially even a raise? In this episode of Financial Wellness at Work, Julie Everett and Michael Rivera unpack how employees can make the most of their workplace benefits, from capturing the full 401(k) match and choosing the right healthcare coverage to protecting their income and loved ones with insurance. They also explore how small changes to everyday spending, emergency savings, debt, and automation can free up money and create greater financial peace of mind. The takeaway: don’t simply choose the same benefits you had last year, but be intentional, take a fresh look, and put your benefits and paycheck to work for you.

Key Points From This Episode:

• Why annual enrollment can be a financial reset—and an opportunity to give yourself a raise.
• Michael’s take on why employees may be leaving money on the table.
• How reviewing everyday expenses can uncover money for savings and financial goals.
• Why prioritizing the full 401(k) employer match matters.
• How to choose healthcare coverage based on your needs—not simply last year’s plan.
• The importance of protecting your income, family, and financial future with the right insurance.
• Why reviewing beneficiaries should be part of your annual enrollment routine.
• How small changes, emergency savings, and automation can reduce financial stress.
• Michael’s advice: pay yourself first, start small, and take action today.

Quotes:

“Benefit selection doesn't have to be complicated, and you don't have to do it by yourself.” — Julie Everett [0:10:53]

“Without Financial Finesse, I wouldn't be where I'm at. I was able to [build] my emergency fund, was able to work on my debt and things like that.” — Michael Rivera [0:13:12]

“I always say pay yourself first. Even if it's a small amount, put a little bit away and you won't even realize it.” — Michael Rivera [0:14:34]

“I would feel that I failed if my colleagues are not retiring with dignity. I want to make sure they're being taken care of, and I'm available for them.” — Michael Rivera [0:15:54]

Links Mentioned in Today’s Episode:

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

If there’s a secret to managing money, it’s this: the small steps are the strategy. After spending over a decade seen on PBS, helping everyday investors make smarter decisions, award-winning financial analyst Pam Krueger built her own game-changing platform. Wealthramp matches investors with vetted, fee-only fiduciary financial advisors. Join us as Pam explains how time does the heavy lifting when we commit to taking the small steps that move us toward long-term financial security. We unpack building financial literacy from a young age, Pam’s experience launching an investor education television series built around real financial stories, and the critical difference between financial knowledge and financial advice. We also explore what estate planning actually means, the guiding principles every financial advisor should follow, why vetting the people you trust with your money is essential, how AI is helping improve financial education and outcomes, and why managing your finances should always be a collaborative relationship between you and your advisor. Thanks for listening!

Key Points From This Episode:

• Pam Krueger’s history as a financial analyst, public television host, and Wealthramp founder.
• The story behind her podcast, Friends Talk Money.
• Key financial advice that is applicable to anyone: get confident.
• How a step-by-step approach is the solution to every financial problem.
• Where Pam’s journey with financial literacy first began.
• Why children emulate what their parents do financially rather than what they are taught.
• Pam’s experience of starting a TV series that ran on over 250 PBS stations to showcase real financial stories.
• The difference between financial knowledge and financial advice.
• What estate planning actually is.
• A guiding principle for financial advisors.
• Why it is so important to vet who you take financial advice from.
• How AI is helping with education and setting people up for success.
• Why managing your money should be a collaboration with your practitioner.

Quotes:

“Financial literacy is all about empowering and building wealth, but it’s also about reducing stress.” — Pam Krueger [0:06:14]

“In this world of money, knowledge really is the power — it’s the superpower!” — Pam Krueger [0:06:23]

“A financial advisor is not a transaction. If it’s done properly, and you have the right advisor, it’s your financial decision partner for the rest of your life if you want it.” — Pam Krueger [0:23:45]

“I want people to not reach for help out of fear or out of weakness. I want people to reach out and stop and really take it slow.” — Pam Krueger [0:27:55]

“Understand you’ve got to vet, vet, vet who are you going to listen to that’s going to give you advice.” — Pam Krueger [0:31:11]

Links Mentioned in Today’s Episode:

Pam Krueger
Pam Krueger on LinkedIn
Pam Krueger on Instagram

Wealthramp
Friends Talk Money Podcast
California Jumpstart
Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

Host Julie Everett is joined by Financial Finesse coach Kari Cedegren and Jenell Koelblin, Site Coordinator - Lane County Volunteer Income Tax Assistance Program (VITA), to answer common tax-season questions and outline practical steps to prepare. They explain VITA (IRS Volunteer Income Tax Assistance) Program as a free tax prep and filing service for lower- and moderate-income households, seniors, people with disabilities, and limited English speakers, and describe volunteer training and certification. The conversation covers when to hire a tax professional (complex situations like rentals, stock options/AMT, multi-state filing), organizing documents, and the impact of changes like no tax on overtime and no tax on tips, plus refundable credits such as the child tax credit and EITC, and Oregon-specific credits including the kicker. They clarify that filing an extension gives more time to file but not to pay, discuss IRS payment plans and safe harbor rules, and emphasize filing even if you can’t pay to avoid penalties.

00:00 Tax Season Kickoff
00:44 Meet the Guests
01:39 VITA Explained
03:55 Who Qualifies
04:51 DIY or Hire Help
07:56 Free Filing Options
09:02 Get Your Docs Ready
09:45 New Tax Changes
12:05 Refundable Credits
16:14 Tips and Gig Work
18:29 Extensions Demystified
20:02 If You Owe Taxes
22:25 VITA Extensions Help
23:09 Key Takeaways Recap
26:00 Final Thoughts
28:54 Wrap Up and Thanks
29:47 Share and Subscribe

Financial Finesse

Julie Everett

Kari Cedegren

OSU VITA

File Your Taxes for Free

Free Tax Return Preparation

Growth is rarely a straight line, but for today’s guest, the path has been nothing short of vertical. Through her leadership role as Director of Growth at the U.S. Soccer Federation, Majd Steitieh initiated a huge shift in how soccer operates in the country. During this conversation, we talk about career evolution, organizational impact, and the grit that it takes to get there. Majd also shares how shifting her financial mindset has enabled her to sharpen her focus and take more meaningful ownership of her work. If there’s one thing to take away from this episode, it’s that growth doesn’t happen by accident; it happens by design, and the impact of Majd’s work is a great example of exactly how this works. Tune in to hear more!

Key Points From This Episode:

• An introduction to our first repeat guest: Majd Steitieh.
• The U.S. Soccer Federation’s mission and what keeps Majd motivated.
• What her day-to-day work looks like and how she is building resources for young people.
• How she sees the work evolving over the next five years.
• Creating opportunities for existing talent who otherwise may not have had access to them.
• The most daunting aspects of working at U.S. Soccer.
• How gaining control over her financial wellness has allowed Majd to shift her focus.
• The power of a financial mindset shift: how it enables you to take ownership over your work.

Quotes:

“Sometimes cost, transportation, and access to clubs are barriers, and so we’ve taken soccer to where the kids already are, which is at school.” — Majd Steitieh [0:02:17]

“What keeps me motivated is that same idea that soccer can genuinely be a force for good.” — Majd Steitieh [0:03:52]

“While the day-to-day varies, the throughline is always the same: listen to the ecosystem, identify where the pathway can be stronger, and then build solutions that make it easier for more people to enter, stay, and grow within the game.” — Majd Steitieh [0:07:58]

“Being financially fit isn’t just about stability, but it’s about unlocking the ability to show up fully in your life and in your work.” — Majd Steitieh [0:15:02]

Links Mentioned in Today’s Episode:

Majd Steitieh on LinkedIn
U.S. Soccer

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

What does leadership in financial wellness look like when people need more than the right numbers to make real change? In this International Women’s Month episode, we sit down with Liz Davidson, CEO of Financial Finesse, and Carolyn Fraser, Head of Internal Sales at Ascensus, to discuss the progress women have made in financial services and the responsibility that comes with representation. They unpack why financial wellness is tied to trust, behavior, and accountability, why outcomes matter more than simple metrics, and why the “how” of leadership shapes culture and client relationships. Liz and Carolyn also share insights on authenticity at work, finding environments where you can succeed without fitting into a mold, and the difference between mentorship and sponsorship when you are building a career. Tune in for a motivating discussion about building deeper professional relationships, staying grounded, and creating the kind of support that helps women thrive.

Key Points From This Episode:

• Hear how financial wellness is determined by trust and leadership style.
• Discover the significance of the “how” in sales and client relationships.
• Find out how to balance authenticity with adaptation in the workplace.
• Unpack the misconception that women must fit a mold to succeed in finance.
• How to find leaders and workplaces that appreciate your unique gifts and talents.
• Learn about the difference between mentorship and sponsorship.
• What women need to consider when looking for mentorship or sponsorship.
• Investigate whether the financial sector has fully embraced women.
• Why building fewer but deeper relationships is better than traditional networking.
• Explore financial wellness trends in AI, longevity, and personalized experiences.
• Advice that they would give their younger selves, given what they know now.
• Final takeaways and how to build a career through mentorship and sponsorship.

Quotes:

“You are going to be much more successful really embracing who you truly are and what your unique gifts and talents are.” — Liz Davidson [0:11:57]

“The cognitive load of having to constantly feel like you're putting on an act, I think, is exhausting to the person but also very expensive [for] the employer.” — Liz Davidson [0:13:02]

“Who you know is still an important dynamic, I think, maybe now more than ever, and looking for people who can be the mentor [or] the sponsor.” — Carolyn Fraser [0:21:58]

“It’s okay to change your path. You’re not failing if the thing that you thought you were going to do for the rest of your life is not what actually happens.” — Carolyn Fraser [0:29:53]

Links Mentioned in Today’s Episode:

Liz Davidson on LinkedIn

Carolyn Fraser on LinkedIn

Ascensus

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

Over the weekend, tensions escalated between Iran, Israel, and the United States and markets are reacting.

In this episode, we step back from the headlines and focus on what actually matters for your financial life.

What happens to oil prices during geopolitical conflict? Could gas and grocery costs rise again? What does short-term volatility really mean for your 401(k)?

More importantly, how should you respond?

We break down the potential ripple effects on inflation, energy markets, and equities. We outline practical steps you can take right now, from reviewing your emergency fund to avoiding panic-based decisions.

Global events may be outside your control.
Your financial habits are not.

This episode is your reminder to stay steady, stay strategic, and keep your long-term plan intact.

Julie Everett, MBA, CFP® | LinkedIn

Home - Financial Finesse

Email Financial Finesse

In the finance world, AI can serve as a powerful bridge to scale financial coaching without replacing human connection. Join the conversation today on the Financial Wellness at Work podcast, as Julie Everett and Scott Stark discuss how AI-amplified financial coaching helps employees get the personalized guidance they need. They look at how they’re using AI in both their personal and professional lives, discuss the idea that AI might take the jobs of financial coaches, how Scott is leveraging AI to be a better coach, and the difference between general AI and purpose-built AI. To learn more about how employees can use AI safely, don’t miss out on this insightful episode!

Key Points From This Episode:

• How Scott is using AI in both his personal and professional life.

• They discuss the question: “Will AI take the jobs of financial coaches?”

• How he is leveraging AI to be a better financial coach.

• Purpose-built AI: looking at different sources AI pulls from and the importance of terminology. • The difference between general AIs and purpose-built AIs.

• How employees can use AI safely.

• The takeaway message from today’s episode.

Quotes:

“From my perspective, and the ways that I use [AI], and the ways that I've seen [AI being used], it is not so much in replacing or eliminating things but in just enhancing them.” — Scott Stark [0:03:26]

“[Our AI] gives us a lot more real-time information about what's on people's minds to enable us to better help them improve their financial wellness.” — Scott Stark [0:10:11]

“We covered a really hot topic here today, but I think the message for employees and for HR leaders is pretty simple: that AI is not a replacement for a human connection. It's going to be a bridge that makes that connection possible at scale and really attainable for everybody.” — Julie Everett [0:12:49]

Links Mentioned in Today’s Episode:

Julie Everett on LinkedIn

Scott Stark on LinkedIn

Ray-Ban Meta Smart Glasses

Aimee

Financial Finesse

Email Financial Finesse

The State of Generative AI Adoption in 2025 | St. Louis Fed

The passing of the One, Big, Beautiful Bill Act (OBBBA) has brought about a lot of changes for employees, and it’s important to discuss these things as we head into 2026. Joining us to tell you what you need to know about OBBBA are Financial Finesse coaches, Dan Andrews and Stephanie Thomas. Tuning in, you’ll hear all about the new ‘no tax on overtime’ rule, how that will affect an employee’s tax refund, and what the increase in the new standard deduction means for employees. We discuss the increase in the SALT (State and Local Taxes) deduction before talking about how employees should handle the temporary phase-out perk. Finally, we touch on refundable tax credits. Thanks for listening!

Key Points From This Episode:

• What the new ‘no tax on overtime’ rule means for employees.
• A little bit about the new standard deductions.
• Touching on the increase in the SALT deduction.
• Why it is important to be aware that the phase-out perk will end.
• The child tax credit changes and what the refundable tax credit means.

Quotes:

“Not every financial planner says this, [but you want to] have a little bit [of money] for fun. Because, you know, money is a tool to enjoy your life.” — Dan Andrews [0:05:21]

“There’s actually a new bonus, it’s an additional deduction of $6,000, for seniors who are aged 65 and older – on top of that standard deduction.” — Stephanie Thomas [0:08:58]

“With this new bump up of the state and local taxes going from $10,000 to $40,000 of the capped limit, a lot more people are going to start looking into itemizing their deductions.” — Dan Andrews [0:11:27]

“A refundable [tax] credit can actually be money back in your pocket.” — Stephanie Thomas [0:15:04]

Links Mentioned in Today’s Episode:

Dan Andrews on LinkedIn

Stephanie Thomas on LinkedIn

One, Big, Beautiful Bill Act (OBBBA)

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

Welcome to season five of Financial Wellness at Work! In this episode, we welcome our very own Think Tank director, Greg Ward, and financial coach, Scott Stark, to discuss their takeaways from the EBRI (Employee Benefit Research Institute) Symposium as we head into a new year. Tuning in, you’ll hear all about why this event is so beneficial, what was discussed at the HSA roundtable, how the day started by touching on the affordability issue, and so much more. We delve into what stood out to Scott and Greg from the discussions before touching on the power of efficient education and leveraging technology appropriately. We even talk about what a private letter ruling is! Finally, Greg and Scott talk about how offering employees a choice on how their money is spent improves their benefit satisfaction massively. To hear all this and more, be sure to press play now, and stay tuned for more episodes where we will unpack more about the benefits code!

Key Points From This Episode:

• Why the EBRI Symposium is such an amazing and beneficial event.
• One of the main challenges the industry faces: affordability and retirement saving.
• What stood out from the event and the importance of auditing as a benefit manager.
• The importance of education to improve the financial health of the American worker.
• How technology can help us integrate benefits and provide a personalized experience.
• The power of offering employees a choice on how money is spent.

Quotes:

“The affordability issue is going to compete with the ability to save for retirement so if you’re not doing both when you’re younger, – it’s hard to catch up when you’re older.” — Greg Ward [0:05:03]

“There are several things that are needed to improve the financial health of the American worker [and] the first is just the education itself.” — Greg Ward [0:10:06]

“All this choice and all these other efforts that employers are making to support their employees – need some support.” — Scott Stark [0:14:15]

“One in three people [who] have an HSA know little to nothing about it.” — Scott Stark [0:14:27]

Links Mentioned in Today’s Episode:

Scott Stark on LinkedIn

Greg Ward on LinkedIn

EBRI Symposium

Think Tank

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

High inflation may have eased, but many employees are now facing the debt that built up while their budgets were stretched thin. In this episode of Financial Wellness at Work, Julie Everett talks with Scott Stark, CFP, Senior Financial Planner and Financial Wellness Think Tank researcher at Financial Finesse, about the financial patterns that defined 2025. Scott shares how employers have stepped up with creative programs that support workers navigating lingering financial pressure. He and Julie walk through new Think Tank findings, including debt now surpassing money management as the top coaching topic, the strong connection between overwhelming financial stress and credit report errors, and how a clear debt strategy can save years and thousands of dollars. They also unpack insights on tracking habits and why spreadsheets, though common, often add stress instead of reducing it. The episode ends with simple steps employees can use to lower stress and build momentum. Tune in to hear the data and learn how small changes can create meaningful financial progress!

Key Points From This Episode:

• Introducing guest Scott Stark, CFP, and Financial Wellness Think Tank researcher.
• Looking back on the shifts in financial coaching conversations throughout 2025.
• How employers launched innovative programs to support employees’ financial needs.
• Why “debt” is overtaking “money management” as the top topic on the coaching line.
• Reflections on why higher financial stress leads to more errors on credit reports.
• Actions employees can take to check and correct inaccuracies in their reports.
• How a focused payoff plan can save years and significant interest costs.
• What the data shows about stressed employees relying heavily on spreadsheets.
• Why simpler tracking systems often reduce stress more effectively than spreadsheets.
• Practical steps to help employees create quick wins and maintain financial momentum.

Quotes:

“During that time [of high inflation], people probably had to turn to debt a lot just to get through, and now dealing with that debt is front and center. So debt conversations have surpassed those money management conversations [in frequency].” — Scott Stark [0:03:38]

“This is an opportunity for some quick wins. There are a lot of things about getting out of debt that are not fun and long-term and can be a real grind, but bumping up your credit score can really be a nice boost.” — Scott Stark [0:05:52]

“If you have to sign into a spreadsheet every day or week or even month, that's a lot of work. It’s a tough thing to stick to.” — Scott Stark [0:11:19]

“The option that is the most correlated with lowering your financial stress is more of an informal tracking system.” — Scott Stark [0:11:43]

Links Mentioned in Today’s Episode:

Scott Stark on LinkedIn

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

We all know that financial stress can impact your health, but we often don’t consider how your health may impact your finances. Today, we are discussing the financial toll of living with a chronic health condition with employee, Alexis Lopez, and financial coach, Becca Wilton. Tuning in, you’ll hear all about Alexis’ health journey, endometriosis diagnosis, the unexpected expenses that come with the disease, and how her relationship with her finances has changed since then. We dive into some of the tools Becca gave Alexis and how they helped her become financially healthy before our guests share some advice for anyone diagnosed with a chronic illness. Finally, you’ll be reminded of the importance of advocating for your financial health. Thanks for listening in!

Key Points From This Episode:

• Introducing our guest, Alexis Lopez, and welcoming Becca Wilton back to the show.
• Becca tells us how often medical expenses come up when discussing finances.
• Alexis shares her story and her endometriosis diagnosis.
• How her perspective on money has changed since her diagnosis.
• Becca shares what she remembers from her first chat with Alexis.
• Some suggestions Becca gave Alexis and how they helped her.
• Alexis tells us about some unexpected expenses of having endometriosis.
• Personal and financial advice for someone who’s been diagnosed with a chronic illness.
• What financial stability looks like for Alexis going forward.
• Becca touches on what she learned from her time with Alexis.
• The importance of advocating for your own financial health.

Quotes:

“I had to provide 15 years of documentation before I was even allowed to be considered for an endometriosis diagnosis.” — Alexis Lopez [0:04:35]

“Financial coaches are not necessarily sharks in the water.” — Alexis Lopez [0:07:21]

“Money can be nurturing, money can be empowering, and can also lift me up.” — Alexis Lopez [0:08:22]

“[Financial coaches] talk to so many different people from different walks of life, so we can really help you think through some of those ways and things that you might need to advocate for.” — Becca Wilton [0:36:53]

Links Mentioned in Today’s Episode:

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

What happens when you stop Googling financial advice and start talking to a real coach? In this episode of Financial Wellness at Work, host Julie Everett sits down with Megan, a healthcare professional who shares how financial coaching helped her move from uncertainty to confidence in her money decisions. Megan discusses her initial hesitation, the relief of discovering she was not “so far off” in her financial planning, and the ways her coach improved her investment strategies. Together, Julie and Megan explore the connection between financial health and overall well-being, the importance of starting early, and why everyone deserves a trusted partner in their financial journey. Tune in now!

Key Points From This Episode:

• Discover why financial health is an essential part of overall well-being.
• Megan’s experience of managing money without guidance or coaching.
• Find out what made her nervous before her first coaching session.
• Hear about the moment that validated her financial decisions.
• Find out why she regrets not working with a financial coach earlier.
• How coaching gave her confidence and ideas for new investment strategies.
• Uncover her biggest money win since she started financial coaching.
• Takeaway advice on how to begin your financial wellness journey.

Quotes:

“The greatest joy in my life is to know that something that I have done has improved the circle of somebody else.” — Julie Everett [0:01:08]

“Just like everyone should have a primary care doctor, I truly feel everyone should have a financial coach.” — Megan [0:06:24]

“The biggest win is the different ways that [my financial coach] said that I could be investing that would be most beneficial for me.” — Megan [0:07:39]

“If anyone is thinking about making any life decision that would impact your finances in the future, talk to someone, talk to [Financial Finesse].” — Megan [0:09:50]

Links Mentioned in Today’s Episode:

Julie Everett on LinkedIn

Financial Finesse

Email Financial Finesse

Financial curveballs can often affect our physical well-being, but how can we learn and grow from the unexpected twists and turns that few of us are prepared for? Today’s guest experienced a sudden financial shock that forced her and her family to think fast, adapt, and make some tough decisions. She joins us today to share her story of resilience, resourcefulness, and the emotional side of money that is often overlooked. Rebecca, a Compensation and Benefits Manager and avid money saver, begins our conversation by explaining how financial wellness affects physical wellness. Then, we unpack lifestyle creep as a camouflaged concern, how to understand your needs and cut back wherever necessary, how Rebecca’s upbringing informed her astute money habits, and how to find financial help for your particular needs. To end, our guest shares more about her family’s financial recovery, why having oversight over your finances is non-negotiable, and words of hope for the future of financial coaching. To learn how to bounce back and reclaim financial health, press play now!

Key points from this episode:

• Rebecca explains how financial wellness affects physical wellness.
• How Rebecca assesses her money and savings habits before her household’s big financial loss.
• Lifestyle creep, understanding your needs, and learning how to trim and cut back.
• How Rebecca keeps track of her finances, and how she became money-savvy.
• The dangers of not doing what you know you should be doing, and how to find financial help.
• Rebecca’s thoughts on Financial Finesse.
• Understanding how long Rebecca and her family have felt the effects of her husband losing his job.
• The importance of having complete oversight over your finances.
• Rebecca’s parting words of advice and hope about the world of financial coaching.

Quotes:

“We had always been very particular about our home; could we afford our home on one income? If we couldn’t afford our home on one income, we couldn’t afford our home. We never wanted to become house poor.” — Rebecca [5:09]

“I don’t collect things. I don’t like to collect things in my home. I also don’t like to collect things in my checkbook.” — Rebecca [5:26]

“I can’t be so afraid of what I’m going to find that I don’t look at it, because I could inevitably make it worse by not choosing to look at it.” — Rebecca [10:40]

“I learned how to be resourceful because [my parents] were resourceful. I remember all the things they did trying to make the money go as far as it could.” — Rebecca [15:25]

“We need to be prepared because bad things can happen. They can happen at any time, and even when you’re doing all the things right.” — Rebecca [16:23]

“You can make it through hard times when you sit down and think about it and put together a plan. It’s when you’re willing to face it that you can do those things.” — Rebecca [27:17]

“When you don’t have that oversight over your finances, you can really lose touch quickly.” — Julie Everett [29:57]

Links mentioned in today’s episode:

Julie Everett on LinkedIn

Financial Finesse

You don’t need to love numbers to get good with money — just the right support and some clear guidance. In today’s episode, Financial Finesse coach Julie Everett is joined by Briana Oliver, a technical recruiter at a Fortune 500 company, who opens up about her five-year journey from financial uncertainty to clarity and confidence. Briana reflects on how growing up with a save-every-penny mindset left her unsure of what to do once she had “extra” income, and how financial coaching helped her shift from survival mode to a more intentional, empowered approach. She shares how overwhelming it felt to navigate terms like 401(k) and Roth IRA, especially in a tech culture steeped in financial jargon. Together, she and Julie break down the emotional side of money decisions, the power of simplifying complex goals, and the importance of finding a financial coach who truly gets you. Tune in to hear Briana’s honest, relatable story and discover why small, supported steps can lead to lasting change!

Key points from this episode:

• How Briana’s money script was shaped by a scarcity mindset and a strong habit of saving.
• The culture shock of entering the tech world and feeling overwhelmed by financial jargon.
• Why paying off student loans gave her structure, but left her wondering what came next.
• How Briana’s first coaching session with Julie felt radically human and approachable.
• The value of breaking down complex goals, like consolidating 401(k)s, into simple steps.
• Why emotional clarity matters just as much as financial strategy when making big decisions.
• Lessons from skipping a rushed home purchase and finding the right place on her own terms.
• How Briana learned to enjoy life today while still planning wisely for tomorrow.
• The importance of filtering advice, even from well-meaning, financially savvy colleagues.
• Characteristics to look for in a financial coach and how to make sure you’ve found the right fit.
• How Briana used her experience to help her cousin take a confident financial step.
• Parting advice from Briana on how to find a financial coach and transform your money journey.

Quotes:

“I knew it was important to save, but I didn't really know what I should be doing outside of ‘put your money away’ and, like, ‘don't spend more than you make’, and just ‘save, save, save.’” — Briana Oliver [2:42]

“That's what I appreciated about you, and about Financial Finesse, was that there was this very grounded approach, and you spoke to me in language I could understand. It was such a refreshing, inviting experience.” — Briana Oliver [4:21]

“One small step at a time can really compound into big changes in the end.” — Briana Oliver [10:56]

“My finances need to fit my life, and I need to make my money work for me; it doesn't have to be overly complicated.” — Briana Oliver [15:55]

“Keep going until you find someone that clicks, that respects you, that's certified, and that can break your big goals down into small chunks. It doesn't hurt to try it.” — Briana Oliver [31:24]

Links mentioned in today’s episode:

Briana Oliver on LinkedIn

Julie Everett on LinkedIn

Financial Finesse

What does it really mean to navigate the U.S. financial system as an immigrant? In this episode of Financial Wellness at Work, host Brian Kelly is joined by Veronica Arellano, a financial planner at Financial Finesse, and Yemi Rose, founder of OfColor and Growth Leader at Financial Finesse, to explore the layered financial experiences of first-generation immigrants in America. Veronica and Yemi share personal immigration stories, arriving from Mexico and Jamaica, and reflect on how cultural values, family expectations, and systemic differences shape their financial decisions. They unpack challenges like navigating unfamiliar banking systems, mistrust of financial institutions, and planning for uncertain futures across borders. They also discuss how cultural norms influence money habits, why multigenerational responsibilities matter, and how embracing both opportunity and uncertainty is key to building a life and legacy in a new country. Tune in to hear how culturally relevant coaching can build trust, bridge financial gaps, and empower immigrant communities through understanding and empathy!

Key points from this episode:

• An introduction to today’s topic: immigration and navigating the U.S. financial system.
• Veronica’s immigration story from Mexico and her family’s journey to citizenship.
• Yemi’s experiences moving from Jamaica for school and building a life in the U.S.
• How culture influences financial behavior.
• The influence of multigenerational living and care on financial priorities.
• Yemi’s reflections on the concept of immigrant privilege and growing up outside the U.S.
• How family support, resourcefulness, and access to education helped Veronica succeed.
• The scale and opportunity of the U.S. compared to Veronica and Yemi’s home countries.
• How systemic complexity in the U.S. creates both challenges and professional opportunities.
• Challenges immigrants face: unfamiliar banking, mistrust, and sending money abroad.
• How planning for retirement without knowing where you’ll live adds extra uncertainty.
• Veronica and Yemi's insights into hybrid retirement approaches.
• The importance of trust and cultural understanding in financial coaching.
• Final guidance for new immigrants navigating work and money in the U.S: Embrace opportunity and seek support.

Quotes:

“Having financial freedom and being able to speak to [a financial planner] is something that should be available to everyone, regardless of your background or where you came from, or what you've done or what you're looking to do.” — Veronica Arellano [3:06]

“I came here somewhere before I turned 18. And so there is an element of dodging, what I call some of the PTSD that comes from growing up Black in America. I have two young daughters that I see all the time, and it can manifest itself in different ways.” — Yemi Rose [13:49]

“In Jamaica, we've had systems collapse [and] in the 70s, there were a lot of banking failures. You have folks who [were] around for that, not having their cash insured – needing to feel that safety of being able to touch and see your money, and therefore having it under a mattress is a real thing.” — Yemi Rose [22:50]

“I have lots of family that don't trust ATMs.” — Yemi Rose [23:16]

“Rely on all the resources that you have available. [Learn] about the retirement plans at work, the employee benefits, and getting to know your community. I would encourage everyone to do that as soon as they can, because knowledge is power.” — Veronica Arellano [28:45]

Links Mentioned in Today’s Episode:

Veronica Arellano on LinkedIn

Yemi Rose on LinkedIn

What actually happens when you reach out to a financial coach for the first time? If you’ve ever wondered what to expect from that initial conversation, this episode has you covered! Joining us from Grace Health, Sally Armstrong and Chris Higdon break down the process of connecting with a coach at Financial Finesse, including what’s discussed, how to prepare, and how you can benefit from the personalized guidance, action items, and resources they offer. We also explore common financial strains, the importance of flexibility in financial plans, and the surprising ways that coaching can help you unlock new perspectives and solutions. Tune in today to demystify the process and walk away with a clearer sense of what financial coaching could do for you!

Key points from the episode:

• Insight into the relationship between Financial Finesse and Grace Health.
• The first conversation with a financial coach: what to expect.
• Common financial strains in today’s workforce.
• Why financial plans should be “written in pencil, not in pen.”
• Personalized guidance, action items, and resources to help you take control of your finances.
• No sales pitch: the perks of not being sold anything.
• Tangible (and sometimes unexpected) outcomes of financial coaching.

Quotes:

“One of my reasons for not calling [a financial coach sooner] is I thought that I would be asked questions I didn't know [the answers to]. I never felt inadequate in talking with anyone from Financial Finesse.” — Chris Higdon [7:07]

“Financial plans should be written in pencil, not in pen because it’s not about making the numbers look good. It’s about building a plan that works and that we can live with.” — Julie Everett [8:30]

“When people think about financial wellness, they think, ‘I don't need help writing a budget,' but they need to realize how many aspects of their life involve finances. There are so many different areas and avenues to your money that [a financial coach] can help you with.” — Sally Armstrong [18:21]

Links mentioned in the episode:

Grace Health

Sally Armstrong on LinkedIn

Chris Higdon on LinkedIn

Julie Everett on LinkedIn

Financial Finesse

Our guest today said it best: “It’s important to have your eye on the horizon, financially, but also to have your feet very grounded in the present.” On this episode, we’re joined by Tony from Philly, who has spent the last four years on a coaching journey with Coach Don Edlin. Together, we reflect on their coaching relationship, the importance of recognizing financial misinformation, and how our backgrounds shape our personal money scripts. Tony shares why staying grounded in the present is a key focus in his money management journey and highlights the impactful steps he’s taken with Don’s guidance. We dive into the role of stress in financial decision-making, the power of role modeling in shaping the financial habits of friends and family, and unpack what a good financial plan allows you to accomplish! We also leave listeners with words of encouragement to take control of their own financial futures. If you want to learn more about finding the balance between planning and being present, don't miss this episode!

Key points from this episode:

• Today’s guest, Tony, shares what prompted him to call the financial coaching line four years ago. His coach, Don, shares what he recalls about that first call.
• Rewind four years: The importance of being aware of the dangerous information out there.
• How Tony’s background impacted his money script: your money should be working hard.
• Tony delves into his habits and patterns for managing money: grounded in the present.
• Don shares the journey of his own money script evolution.
• Key actions Tony has implemented over the past four years, inspired by Don’s coaching and support.
• Tony highlights the most challenging aspect of his journey, so far.
• Don chimes in on Tony’s plans to buy a house.
• How this coaching relationship with Tony has impacted Don over the four years.
• A major topic in coaching: stress and its impact.
• Don’s go-to stress reliever and the mindset that’ll help.
• How role modeling can play in the financial journey of friends or family.
• Tony’s aspirations and the opportunities he envisions for his future.
• What good financial planning allows you to do (and why it’s best to write it in pencil!).
• Final words of encouragement from Don and Tony to our listeners.

Quotes:

“It’s extremely valuable, not just from [a financial] aspect, but in a lot of aspects of life, to have an extra set of eyes to take a look and bounce things off of.” — Tony [3:41]

“People have questions, and if they’re not provided a sound, vetted resource to find the answers, they’re going to search it out from anywhere — but there’s just so much dangerous information out there.” — Don Edlin [4:16]

“People are inclined to follow what they want to believe.” — Julie Everett [6:15]

“Your money should work at least as hard as you do!” — Tony [8:31]

“It’s important to have your eye on the horizon [financially], so to speak, but also have your feet very grounded in the present.” — Tony [10:58]

“Financial coaching doesn’t happen in a vacuum, or just once.” — Don Edlin [21:18]

“It’s the [financial] plan that allows you to be spontaneous or to take diversions without wrecking the long-term goals.” — Don Edlin [35:06]

Links mentioned in today’s episode:

Liz Davidson on LinkedIn

Don Edlin on LinkedIn

Julie Everett on LinkedIn

Financial Finesse

If the tumbling leaves of fall indicate anything let it be this: It’s time to move!

It’s time to start thinking about what you want in the new year and preparing to achieve those goals. Today’s guest is Majd, an employee who has built a longstanding relationship with Financial Finesse having spoken with 17 coaches since her first call. After explaining why now is the perfect time to start planning for 2025, Majd details her experience of calling Financial Finesse for the very first time, what she thinks of our coaches and the services she receives from us, how working with Financial Finesse broadened her understanding and relationship with money, and her advice for first-timers who are finally ready to call a financial coach. We also unpack the plethora of considerations when moving across state lines, the mistakes many make when changing jobs mid-year, common misconceptions about multi-state tax returns, and the importance of always having a healthy stash tucked away for rainy days.

Key points from this episode:

• Why it's never too early to plan for your future.
• What prompted today’s guest, Majd, to call Financial Finesse for the first time.
• Examining her living circumstances when she made the work move to Atlanta from L.A. and how to approach a big move.
• Common mistakes that people make when changing jobs mid-year.
• Everyday misconceptions about multi-state tax returns.
• How working with Financial Finesse has improved Majd’s relationship with money.
• Her thoughts about financial coaching before and after receiving our services.
• What to consider when deciding between buying and renting when moving to a new city.
• The importance of establishing a healthy emergency fund before a big move.
• Majd’s advice for making that first call to a financial coach.

Quotes:

“California does not offer a state tax deduction for contributing to the 529 plan, but Georgia does. So, if you’re going to try to do something and make a contribution, why not have it optimized — from a tax perspective — by taking advantage of the state that does offer good deductions?” — Alesha Isaacs [12:48]

“[Working with Financial Finesse has] changed things in the fact that I know that I have someone that I can trust.” — Majd [14:03]

“[With Financial Finesse] I just feel empowered in the sense that if I need help with something, I know that there’s someone to turn to, and I know there’s someone that’s going to take the time to explain things in a simple way.” — Majd [14:33]

“I don’t want to be driving to places that I think are basic necessities; I want to be able to walk. That’s how I pretty much chose the area [where I live].” — Majd [19:26]

Links mentioned in today’s episode:

Alesha Isaacs on LinkedIn

Julie Everett on LinkedIn

Submit Your Questions via Email

Financial Finesse

Retirement isn’t just about stepping away from the workforce. It’s about securing your financial future, maintaining peace of mind, and ensuring that you can truly enjoy the next chapter of your life. In today’s episode of Financial Wellness at Work, Financial Finesse coaches Julie Everett and Linda Robertson chat with Jill, a newly retired employee, about why thoughtful retirement planning is a crucial part of financial wellness and how to approach it with confidence. You’ll hear how expert guidance from our coaches helped Jill navigate complex financial decisions, the key financial and emotional factors to consider as you approach retirement, and why it’s essential to have a clear vision of your ideal retired life. We also delve into strategies to “get caught up" on your retirement savings, no matter where you are in your financial journey, and explore activities that can make your retirement more fulfilling. Ready to take control of your retirement? Tune in to start planning for a future you’ll love!

Key points from this episode:

• The multifaceted relationship Jill has had with Financial Finesse over the years.
• Key tips and insights about retirement benefits that Linda has shared with her.
• An overview of Linda’s career journey and what led her to Financial Finesse.
• How Jill has been enjoying her retirement since leaving the workforce on July 31st.
• Essential steps to help you approach retirement with confidence.
• Ways that the expert financial guidance Jill received has transformed her life.
• Important takeaways for someone approaching retirement and tying up loose ends.
• Answering a listener-submitted question about getting “back on track” in your 50s.
• Why it’s never too late to start saving and learn how to live on less.
• Reasons to start exploring the hobbies and activities you'll enjoy in retirement.

Quotes:

“Even though I consider myself a somewhat educated person, I needed a hands-on talking through of my personal scenario to make some important financial decisions.” — Jill [6:52]

“[It’s important to know your lifestyle, health, and] what you’re going to need because the calculators are great but you have to input information into them – You need to take some time and evaluate what you want your retirement life to look like.” — Jill [17:51]

“No matter where you are in your financial life, there are always things you can do to get caught up.” — Linda Robertson [20:11]

“Picking up the phone, having a conversation, working on something continuously with the same person who knows your story and goals, and supplementing it with additional ideas can help [build confidence] that the path you’re on is the right path for you.” — Julie Everett [26:29]

Links mentioned in today’s episode:

Julie Everett on LinkedIn

Linda Robertson on LinkedIn

Financial Finesse

Email Us Your Financial Wellness at Work Questions

Danielle’s professional journey is the perfect example of how financial coaching can completely transform one’s life. She is joined today by her financial coach, Doug Spencer. The pair discuss why financial coaching starts at home, why our founder Liz Davidson’s book is the perfect foundation for financial literacy, how their parents have influenced their financial philosophies, and how coaching can enhance one’s overall outlook on finances. We also explore the value of utilizing employer benefits to the fullest, what financial coaching looks like when you do it alone, and some helpful resources to up your financial game.

Key points from this episode:

• Danielle walks us through her entry into finance.
• How financial coaching starts at home.
• What we learned from Financial Finesse Founder and CEO, Liz Davidson’s book, What Your Financial Advisor Isn't Telling You.
• How Doug’s parents influenced his philosophies on personal finance.
• When and how Danielle first realized the benefits of personal financial coaching; hello Doug.
• How having a coach has changed her overall outlook on finances.
• Helpful resources for those looking to improve their financial knowledge.
• Danielle’s financial advice for willing listeners.
• Therapy and other employer benefits that are often unused and underutilized.
• Doug’s words of wisdom for the masses.
• Danielle and Doug share their thoughts on boosting your financial knowledge.

Quotes from this episode:

“When I was younger – everything that I needed, I had, and there weren’t really things that I wanted for that I didn’t have. So, I was never anxious about money, but I know that my mother was [living] paycheck-to-paycheck, but that was not a stress that I felt.” — Danielle [01:20]

“I had my first IRA when I was 16 years old. I think it had $200 in it. That was where it got started.” — Doug Spencer [11:08]

“[Number] one is live within your means – the second thing is [to] start investing early.” — Danielle [20:24]

“The fact that I’ve put my retirement stuff on autopilot and I’ve put my short-term saving goals on autopilot – it helps me save my willpower for those more difficult daily decisions.” — Doug Spencer [26:38]

Links mentioned in today’s episode:

Doug Spencer on LinkedIn

Doug Spencer on X

What Your Financial Advisor Isn't Telling You

Money Strong

Smart Women Finish Rich

The Motley Fool

Switch

Julie Everett on LinkedIn

Email Us Your Questions

Financial Finesse

If you’re looking to improve your financial well-being, it’s important to understand the impact of your financial attitudes or “money scripts” on your future. In today’s episode, you’ll discover that, with the right support and financial plan in place, you can rewrite these money scripts and take control of your financial destiny! Julie Everett is joined by co-host and financial coach Jim Jacobucci, along with special guest Tom Bekas, a former college athlete, entrepreneur, and Client Services Associate at Financial Finesse. Tom shares how he has leveraged his unlimited access to Financial Finesse’s team of experienced CFP financial coaches, recounting how his first call with Jim helped him challenge the money beliefs that were holding him back. We also explore the power of a financial plan to combat debt and help you achieve your financial goals, as well as how financial coaching has enabled Tom to build a healthier relationship with money. Tuning in, you’ll learn actionable strategies to rewrite your money scripts, create a solid financial plan, and take your next step toward financial freedom!

Key points from this episode:

• An introduction to today’s co-host, Jim Jacobucci, and our guest, Tom Bekas.
• How Tom has taken advantage of the free coaching provided by Financial Finesse.
• When he first learned about personal finance and challenging his “money scripts.”
• Insight into the relationship that Jim and Tom have built since their first coaching call.
• The importance of having a financial plan in place to combat debt and grow your savings.
• Practical tips to help you regain control of your finances.
• The tangible impact that financial coaching had on Tom’s relationship with money.
• Tom’s shame-free advice for listeners who are experiencing financial stress.
• Jim’s perspective on the emotional toll that money can have on us.

Quotes from this episode:

“Coming up with a budget was huge for me because I had money coming in, but I didn’t really know where it was going. Having a plan in place to know where my money is [and] where it’s going allowed me to have additional money to pay off my credit card debt.” — Tom Bekas [9:07]

“I’m not as emotionally attached to money as I once was. Money comes, money goes, but having a plan and knowing where that money is going when it does come in is super powerful.” — Tom Bekas [13:58]

“Pick up the phone. Make the call. [Financial coaches] are not judging you on the other side. They have actually been through a lot themselves – and they can help you get to a place where you can become financially free.” — Tom Bekas [17:35]

Links mentioned in today’s episode:

Tom Bekas on LinkedIn

Jim Jacobucci on LinkedIn

Julie Everett on LinkedIn

Financial Finesse

Who do you turn to when a financial crisis hits? During this episode, Jennifer joins us to share her story of building a relationship with an expert before finding herself in a time of crisis. Starting with her transition from working in academia to taking on a corporate role, Jennifer shares the highlights of her path to creating more financial security. We touch on the mental health challenges that often accompany periods of financial stress and emphasize the importance of having access to the necessary support at every level. Jennifer offers a candid look at what motivated her to seek out financial advice, and the gratitude she feels for doing so before an unexpected layoff. Join us to hear her story.

Key points from this episode:

• Welcoming year-long Financial Finesse user, Jennifer, to the podcast.
• What motivated her to reach out in January of 2023 after moving and switching positions.
• Her transition from working in academia to Corporate America.
• Jennifer’s path to buying a house and what she is most excited about.
• What was most beneficial for her about having financial advice during a layoff.
• The menu of benefits available at Jennifer’s current workplace.
• Mental health challenges that often arise because of financial stress.
• The benefit of having a resource to share with those who are in need.
• Why it is preferable to have an existing relationship with a financial professional when a crisis arises.
• Where Jennifer would have gone if her company did not have a relationship with Financial Finesse.
• What to expect from upcoming episodes.

Quotes:

“The concept that in two years I have been able to move, change roles, financially plan, and buy a townhome that is four times the amount of space I was living in, is bonkers to me.” — Jennifer [4:45]

“Progress doesn’t have to be linear.” — Julie Everett [5:01]

“I think I would have been more paralyzed with fear if I had never talked to [a financial advisor] prior to receiving a layoff or a termination.” — Jennifer [6:41]

“For me, knowing and understanding that if I lost my job I could have six months, I would probably still be panicking, but I wouldn’t necessarily have to, I wouldn’t be out of money, was huge for my mindset.” — Jennifer [7:46]

Links mentioned in today’s episode:

Julie Everett, CFP® on LinkedIn
Linda Robertson, CFP® on LinkedIn
Employee Benefit Research Institute
Financial Finesse

Welcome back to the Financial Wellness at Work Podcast! Today we are joined by Financial Finesse user, Jonathan Woodward, to discuss the upside of “making the call.” You’ll hear about what inspired Jonathan to make his first call, why he has worked with so many of our financial coaches (and why he keeps coming back), how much his confidence and knowledge have improved, and much more. We go on to discuss what it was like talking to a complete stranger about money before Jonathan encourages listeners to give it a try for themselves.

Key points from this episode:

• An introduction to today’s guest, Jonathan Woodward.
• How Jonathon went from studying philosophy to building a career in the tech space.
• What triggered Jonathan to call Financial Finesse.
• The financial pearls of wisdom Jonathon has taught his father-in-law.
• Why it’s so important to know your goals before buying a home.
• How many financial coaches Jonathan has worked with at Financial Finesse, what it was like, why he keeps coming back, and how his confidence level has improved.
• How Jonathan felt about discussing money with a complete stranger.
• Jonathan invites listeners and peers to make their first call with Financial Finesse.

Quotes from this episode:

“I’m very pro-homeownership, to be clear, but I’m also pro not being stressed out by money.” — Jonathan Woodward [10:41]

“Because money is so taboo, people don’t talk about it.” — Jonathan Woodward [14:32]

“I think it’s really important to think about the upside of making the call [to Financial Finesse].” — Jonathan Woodward [23:04]

Links mentioned in today’s episode:

Jonathan Woodward

Daniel Andrews on LinkedIn

Julie Everette on LinkedIn

Liz Davidson on LinkedIn

Financial Finesse

Trusting your financial coach and being able to have open conversations about anything related to your finances allows you to have a more holistic coaching experience. This is exactly what our guest, Jada Haynes, experienced working with Julie Everett at Financial Finesse. Jada is a postgraduate, first-year student at Harvard Business School and a graduate of Indiana University’s Kelley School of Business. Tune in to hear how Jada’s mom positively influenced her financial journey, setting her up to take things to the next level herself. Jada also shares her thoughts on the idea of “money scripts,” how our culture has made talking about money taboo, and how she balances saving for goals and living for today with budgeting. To hear more about Jada’s conversations with Julie and the next-level financial goals she’s shooting for, listen now.

Key points from this episode:

• A quick introduction to our hosts and Financial Finesse financial coaches, Julie Everett and Brian Kelly, and our guest, Jada Haynes.
• Why Jada’s mom was so influential in her financial journey.
• Jada’s thoughts on “money scripts” and being financially transparent (in our relationships).
• What money means to Jada: two things she thinks about when it comes to spending her money.
• Fixed and variable costs and how Jada makes budgeting work for her.
• The influence of friendship groups and managing money (and expectations).
• Jada’s ongoing conversations with Julie: getting personal with your financial coach.
• Julie’s experience working with Jada (from a coach’s point of view).
• The Xs and O’s and the psychology of money.
• Jada elaborates on some financial goals (small, medium, and large) she’s shooting for.
• Where Jada may have turned for guidance if she didn’t have access to Financial Finesse.
• The importance of trust in the relationship between Jada and her financial coach, Julie.

Quotes from this episode:

“Growing up as a Black American in the U.S., money and finances were very important as a means of economic mobility. So I think my mom learned at an early age—to use her financial discipline to build a way out of the south side of Chicago—and climb up the social ladder.” — Jada Haynes [4:14]

“I think because [my mom] really valued the tool of financial success, she passed that on to my sister and me—and ingrained that in us from a lens of money management, budgeting, and saving.” — Jada Haynes [5:06]

“Something that I can see as beneficial for a lot of people that use this service is really about how you can better understand your benefits. I love the fact that Financial Finesse has a strong relationship with my employer, and they understand the intricacies and complexities of the benefits and are able to give me unbiased opinions on what I should be doing and what I should be thinking about.” — Jada Haynes [21:36]

Links mentioned in today’s episode:

Julie Everett on LinkedIn

Brian Kelly on LinkedIn

Money Strong: Your Guide to a Life Free of Financial Worries

Liz Davidson on LinkedIn

Financial Finesse

It wasn’t until Lori Zeman made the call to Financial Finesse herself that she truly understood the power of financial coaching. Lori is a Division Vice President at Ascensus, the largest independent recordkeeping services partner in the United States. Ascensus has integrated Financial Finesse to offer our services as an employee benefit and to provide them to every single participant in Ascensus plans. In this episode, we chat with Lori and our very own Senior Financial Coach, Julie Everett, about their respective experiences working together when Lori reached out for financial wellness coaching. We discuss the undeniable ways in which our personal and financial lives are intertwined and how financial coaching can complement financial advice. Tune in to find out how and why Ascensus is bringing financial coaching resources to the masses and to hear Lori’s advice for employers and employees.

Key points from this episode:

• What inspired Lori to call Financial Finesse for a consultation.
• Her experience working with Senior Financial Coach, Julie Everett.
• The value she got from Julie that she couldn’t have gotten from Google or a CPA.
• Julie’s experience coaching Lori.
• The relationship between our personal lives and our finances.
• Ascensus’ mission to reach small companies and close the coverage gap for those in need of retirement plans.
• How Ascensus has integrated Financial Finesse as a firm, and how they’re bringing resources to the masses.
• The distinction between coaching and advice – and how they complement each other.
• Lori’s advice for employers and employees with access to financial coaching resources.

Quotes from this episode:

“You can plan all you want but still things are going to come up within your personal life that were not on the January 1st resolution list.” — Julie Everett [5:40]

“The difference with Julie was, she took the time to really get to know me and my situation, and she made it so relatable.” — Lori Zeman [7:04]

“When it comes to finance, people think it’s black or white, the numbers are or they are not, and it really isn’t like that at all. Our finances are driven by our emotions.” — Julie Everett [10:32]

“Not only do the numbers affect our personal life, but our personal life affects the numbers.” — Julie Everett [11:03]

“Any good financial coach will know when you need advice. And any good advisor will flag when you need financial coaching.” — Liz Davidson [25:24]

Links Mentioned in Today’s Episode:

Julie Everett on LinkedIn

Ascensus

Lori Zeman on LinkedIn

Liz Davidson on LinkedIn

Financial Finesse

Managing our finances is one of those things we all need to do, but we rarely are taught. While we all do the best we can, there are times when our lack of education can land us in challenging situations. Today’s guest, Edzen Cortez, was in a great deal of debt before he sought help from a Financial Coach. He was recently featured on a panel at the Employee Benefit Research Institute symposium in Washington DC where he spoke about how achieving financial wellness has increased his bandwidth, both at work and in his personal life. In this episode, he joins us with his Financial Coach Linda Robertson to share his story. Tuning in you’ll hear about the situation he found himself in, what prompted him to seek financial coaching, and how it has radically changed his life. He also talks about how he has managed to work his way out of debt while still being able to enjoy a vacation in Hawaii and adopt a dog. If you, like Edzen, want to live a little bit more carefree and increase your bandwidth, don’t miss this episode!

Key points from this episode:

• Edzen Cortez’s background and what prompted him to reach out to the financial coaching line.
• The homework Linda gave Edzen to research the amount of debt he was in.
• Where Edzen is today in terms of his finances.
• Edzen’s recent vacation and how he planned for this responsibly.
• How Edzen thought through the financial responsibilities of getting a dog.
• The importance of planning for some fun while still staying within the parameters of your budget.
• How things feel differently now for Edzen.
• How Linda and Edzen’s conversations have changed over time.
• How achieving financial wellness has increased Edzen’s bandwidth both personally and professionally.
• Linda’s thoughts on the first step for anyone considering financial coaching.

Quotes from this episode:

“I’ve become way more responsible and what Linda [my financial coach] has done for me is cultivate that confidence and given me a couple of steps to think about before just impulse buying.” — Edzen Cortez [08:47]

“I had a budget, I had saved up money, but it was the weirdest thing to go on a real vacation and not stress out about every single dollar being spent.” — Edzen Cortez [13:50]

“To have paid off the credit card debt and the private loans just created so much more space, bandwidth, capacity, and it freed a bunch of my mental strain. It allowed me to really focus in on work, the relationships, becoming a people manager and leader on the team, and turning the page to becoming a proactive problem-solver.” — Edzen Cortez [18:40]

“To have this benefit [of financial coaching] has led to a better quality of life, personally and professionally.” — Edzen Cortez [19:24]

“Just come as you are, bring your true self, be open to answering all the questions your financial coach is going to ask you because some of it is going to be personal.” — Linda Robertson [20:11]

Links mentioned in this episode:

Julie Everett, CFP® on LinkedIn
Linda Robertson, CFP® on LinkedIn
Employee Benefit Research Institute
Financial Finesse