Is Your Family Operating Like a Well-Run Business?

In this episode, Melissa Joy, CFP®, explore how families can apply business strategies to create structure and intentionality at home. Our guest, Kelly O'Donnell, an expert in the Entrepreneurial Operating System (EOS), introduces the Vision Traction Organizer (VTO)—a tool that helps families define core values, set a long-term vision, and break goals into actionable steps.

Kelly shares how identifying what truly matters can guide financial decisions, time management, and overall family priorities. She also discusses the benefits of quarterly family meetings and "same page meetings" for spouses to ensure alignment and clarity. By integrating structured planning and financial strategies, families can create a stronger sense of purpose while maintaining flexibility for life’s unexpected changes.

Whether you want to strengthen family bonds, improve communication, or set clear financial and personal goals, this episode offers practical insights to help you build a more organized and intentional family life.

Resources & Links:
📌 Connect with Kelly O'Donnell
📌 Learn more about EOS & the Vision Traction Organizer
📌 Download the VTO template:https://pearlplan.com/wp-content/uploads/2025/02/Family-VTO-Template.pdf

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:...

Unlock the secrets of tariffs and their far-reaching impact on our global economy with me, Melissa Joy, CFP®, in this illuminating episode of the Women's Money Wisdom Podcast. Ever wondered how tariffs shape international trade and affect your wallet? Get ready to explore the journey of tariffs from their historical role in federal revenue generation to their modern-day implications under recent U.S. administrations.

In this episode, we dive into:
✅ The history of tariffs and how they were once a major revenue source for governments
✅ Why many economists see tariffs as a negative tax on economic growth
✅ How tariffs increase costs for importers and spark retaliatory trade wars
✅ The role of trade agreements like NAFTA and organizations like the WTO in promoting freer trade
✅ The broader impact of tariffs on everyday consumers and investment portfolios

But that’s not all! While tariffs take center stage, we also shift the conversation to women’s financial education—an essential tool for navigating today’s economic landscape. Financial literacy is the key to making informed money decisions, and we’re here to provide the resources and knowledge to help you thrive.

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:...

How does addiction impact financial planning, and why is it so often left out of the conversation? In this thought-provoking episode, Melissa Joy, CFP®, dives deep into this sensitive yet critical topic alongside Karen Coyne, CFP® of Clarity Planning. Karen shares her personal journey and highlights the significant gap in financial planning education when it comes to addiction and its far-reaching effects on individuals and families.

Melissa and Karen explore practical tools for addressing these challenging conversations and discuss how financial advisors can better support clients navigating the complexities of addiction. They also delve into the psychological allure of risky financial behaviors like cryptocurrency and meme stocks and the impulsive decisions these trends can inspire.

Plus, Karen shares a personal story about teaching her son the importance of financial education, emphasizing the value of open, honest communication in safeguarding your financial future.

What You’ll Learn:

• The often-overlooked link between addiction and financial planning
• Practical ways financial advisors can approach sensitive client challenges with empathy
• The psychological appeal of high-risk financial behaviors like crypto and meme stocks
• Strategies for fostering transparency and self-awareness in financial discussions

Resources & Mentions:

• Clarity Planning with Karen Coyne
• Related Episode: Tackling Mental Health in Financial Planning

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:...