Understanding the financial landscape is more critical than ever, especially when there's an invisible health crisis that may be affecting your employees, business partners, spouse, or yourself. In this episode of Women of Wealth, we welcome the incredible Cheryl Canzanella to deep dive into her expertise in, not only utilizing reverse mortgages as a retirement strategy, but the unfortunate cost of the Opioid Epidemic in America.

Cheryl, with an impressive 25-year career in the financial industry, shares her journey from Merrill Lynch to becoming an advocate for reverse mortgages. She demystifies this financial tool, explaining how it can provide non-taxable cash flow and preserve retirement assets. Cheryl also opens up about her personal connection to the opioid crisis and its staggering economic costs.

Tune in as Cheryl offers invaluable advice for business owners on managing the impact of the opioid epidemic and shares her top financial tips in a fun lightning round! Don't miss her insights on leveraging reverse mortgages for business liquidity and growth.

For more information, check out Movement Mortgage and Cheryl’s advocacy work at opioidfinancialawareness.com. Join us for an episode packed with wisdom and practical strategies!

Cheryl Canzanella's Bio:

With over 25 years of experience in the financial services industry, Cheryl brings a unique perspective connecting two critical topics – the opioid epidemic and the financial services industry – expanding client conversations beyond traditional financial discussions. As the owner of Coastal Life Strategies, she leads advocacy efforts to raise awareness and educate on the opioid epidemic across various industries by intertwining the human elements that shape the lives of clients, employees, and families.

She is the founding President of WIFS Northeast Florida, where she played a pivotal role in fostering professional growth and collaboration among women in the industry. Her contributions were recognized when she was awarded the WIFS National Member of the Year in 2014. Additionally, Cheryl has been an active participant in NAIFA, serving as the incoming President of NAIFA Florida and past president of NAIFA Northeast Florida. Her dedication to the field earned her the NAIFA Florida President’s Award in 2014, and she was honored as the NAIFA National’s 2019 Young Advisor Team Leader of the Year.

As a native Floridian, she enjoys spending time with her husband Shamari and their son, the beach, flag football, CrossFit, and volunteering. She can often be heard cheering and/or possibly weeping for her beloved Miami Dolphins & Jacksonville Jaguars.

- Movement Mortgage Website: Movement.com
- Opioid Financial Awareness Website: opioidfinancialawareness.com

- LinkedIn

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Are you wondering how to navigate the complexities of starting your own business? Curious about the secrets to managing business taxes and securing funding? In Episode 16 of the Women of Wealth podcast, hosts Hawley Woods Gray and Allie Ramo unpack the essentials of launching and sustaining a successful business from a female perspective.

We kick things off by breaking down the initial steps: securing a business license, creating a business name, and setting up a business bank account. Hawley and Allie share their personal journeys and insights, emphasizing the importance of consulting with a CPA and experienced professionals.

Dive deep into the world of business taxes, grants, and funding options specifically tailored for women-owned businesses. Learn about the must-have insurances and the power of networking with industry-specific associations like eWomen Network.

Finally, we wrap up with a fast finance lightning round, tackling your burning questions on business expenses, funding, and more. Don’t miss this comprehensive guide to kickstarting your entrepreneurial journey!

Check out our 12 questions to ask a financial advisor sheet to help you get started!

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Are you presenting your best self on social media? Should you prioritize paying off student loans or credit cards? And how can you start building your financial future today? In this episode of Women of Wealth, Hawley and Allie dive into essential topics for young professionals.

We discuss the critical importance of maintaining professionalism on social media, with tips on managing your online presence and why you should Google yourself periodically. We also break down the first steps in financial planning, from creating an emergency fund to managing debt and understanding the nuances of estate planning and life insurance.

Plus, we tackle the age-old debate: leasing vs. buying cars, and why homeownership might be more beneficial than renting. Finally, we share some unconventional financial tips and budget-friendly vacation ideas in our lightning round.

Tune in for actionable advice, whether you're just starting out or looking to refine your financial strategy. Don't miss this comprehensive guide to kickstarting your financial journey!

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Ever wondered how to choose the right business structure for your entrepreneurial journey? Or why separating personal and business finances is crucial? In this episode of Women of Wealth, we sit down with Ashley Feuerman, a seasoned small business law attorney from San Diego, to unravel these legal complexities.

Ashley shares her fascinating transition from aspiring sports agent to business law expert, offering invaluable insights into entity formation, asset protection, and real estate investment. We dive deep into the pros and cons of LLCs versus corporations, and why certain professionals in California must opt for professional corporations.

From maintaining separate bank accounts to raising capital through debt rather than equity, Ashley provides practical tips to safeguard your business and personal assets. Plus, learn the importance of a robust team of professionals and the nuances of selling a business.

Don’t miss Ashley’s lightning round of personal advice on building a solid financial foundation. Tune in for essential legal wisdom every female entrepreneur should know!

Ashley's Bio:

Ashley Feuerman has been providing legal services to the San Diego community for close to 10 years. Early in Ashley’s career, she gained experience in business and real estate transactions while working as outside counsel for large corporations. Now, Ashley brings this experience and knowledge to entrepreneurs – assisting in their journey to create generational wealth through sound investments.

Connect with Ashley:

- Website: feuermanlaw.com
- Phone: 858-947-7822

- Email: ashley@feuermanlaw.com

Catch us on your favorite podcast platform and empower your business with the legal knowledge it deserves!

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Ever wondered if your family is truly prepared for the future?

Could pre-planning your end-of-life arrangements save your loved ones from emotional and financial stress?

How do cultural differences shape our conversations about death?

In this enlightening episode of Women of Wealth, we sit down with Mary McElhattan to dive deep into the often-overlooked topic of end-of-life planning. Mary shares her personal journey into this crucial field, debunking common misconceptions and highlighting the immense relief that comes from pre-planning.

We explore the emotional and financial benefits of having arrangements in place, discuss cultural taboos, and get practical with cost estimates and the importance of communicating your wishes. Plus, don’t miss our fun lightning round where Mary reveals her financial habits and recent splurge!

Tune in to Episode 13 for invaluable insights and actionable advice on securing peace of mind for you and your loved ones.

Mary McElhattan's Website: http://permissionmission.com

Mary McElhattan's bio:

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Ever wondered what happens to your assets after you're gone? Is estate planning just for the rich and famous? Join us in Episode 12 of "Women of Wealth" as hosts Hawley Woods Gray and Allie Ramo unravel the mysteries of estate planning and why it's crucial for everyone, not just celebrities!

In this episode, we dive deep into the costly and lengthy process of probate, with real-life examples from Howard Hughes to Aretha Franklin. Discover how simple steps can help you avoid probate and ensure your assets are distributed according to your wishes.

Hawley and Allie explore the nitty-gritty of setting up a trust, the advantages of Nevada's asset protection laws, and the ease of managing a digital trust. We also discuss upcoming changes in inheritance tax rules and share heartfelt stories about the emotional and practical benefits of meticulous planning.

Tune in for expert insights, practical advice, and personal anecdotes that will inspire you to secure your financial future. Don't miss out!

Calendar links to schedule an appointment with us
https://calendly.com/allieramo/
https://calendly.com/hwoods-1

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Ever wondered how an aerospace engineer transitions into a financial services powerhouse? Or how the landscape of female leadership in finance has evolved over the decades? In this episode, we sit down with the incredible Darlene Flagg to uncover her unique journey and the transformative changes in the industry.

Join us as Darlene shares her inspiring story, from building databases at Prudential to becoming a VP at National Life Group. We delve deep into the rise of self-educated investors and how financial professionals must adapt to this new era. Discover why trust and genuine relationships are paramount in financial services, and how involvement in professional associations like WIFS can shape your career.

Plus, get tailored financial advice for every generation and learn how aligning personal values with company culture can lead to authentic success. Don't miss Darlene's lightning round of quick financial tips!

Tune in for an episode packed with wisdom, practical advice, and a whole lot of inspiration.

Connect with Darlene:

Website

LinkedIn

Stay wealthy, stay wise!

Darlene Flagg's Bio:

Darlene Flagg is a Vice President and Head of Retirement at National Life Group leading their institutional sales division for retirement plans creating and managing institutional marketing strategies for 403(b), 457, 401(a), and 3121 plans. Darlene has over 20 years of senior management experience and 27 years of financial services and marketing experience.

Darlene has also served as Chief Marketing Officer and Head of Annuity Marketing at National Life. Prior to joining National Life in 2015, she worked at AIG VALIC (CoreBridge), where she last served as Vice President of Institutional Marketing. She previously served on the Women in Insurance and Financial Services (WIFS) National Board as President partnering to attract, develop, and advance women in financial services. She is also a Past President of the National Tax-Deferred Savings Association (NTSA). Additionally, for six years, she served as an adjunct professor for the University of Phoenix, Houston Campuses.

Darlene received her Bachelor's (BA) degree in Communications from Seton Hall University in South Orange, NJ, and a Master’s (MA) degree in Strategic Communications from the same institution.

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

Ever wondered how to achieve a debt-free degree? Or how early financial planning can transform lives? Join us in Episode 10 of the Women of Wealth podcast, where hosts Hawley Woods Gray and Allie Ramo sit down with Elizabeth Rosner, aka Dr. Roz. As the founder of the Debt-Free Degree movement and a certified trainer of non-violence at the Martin Luther King Center. Dr. Roz shares her journey, success stories, and invaluable tips on achieving financial freedom through education. Don't miss her insights on empowering students and families, starting financial literacy early, and her vision for a debt-free future. Tune in for an inspiring conversation!

Connect with Dr. Roz:

Website: https://drroz.love/

Free Chapter of my DebtFreeDegree Book and an invitation to my DebtFreeDegree Webinar: drroz.love/womenofwealth

Follow Dr. Roz on social media @DrRoz

YouTube: YouTube.com/@DrRoz

LinkedIn: https://www.linkedin.com/in/drelizabethrosner/

Elizabeth (DrRoz) Rosner's Bio:

As the Founder and Chief Educational Officer of DebtFreeDegree with DrRoz, Elizabeth Rosner, affectionately known as DrRoz, is a visionary leader dedicated to empowering students to achieve their academic dreams without the burden of student loan debt. With a personal educational journey marked by exceptional academic achievement and minimal debt, DrRoz has become a beacon of hope and a source of invaluable guidance for students and families navigating the complexities of higher education financing.

DrRoz's passion for education is matched by her commitment to cultivating a culture of nonviolence and love, as inspired by the teachings of Dr. Martin Luther King Jr. Through her L.O.V.E. Revolution and the promotion of Nonviolence365, she encourages individuals and communities to embrace peaceful and compassionate ways of living.

Elizabeth's dedication to her mission is evident in her tireless efforts to provide resources, workshops, and one-on-one coaching to those seeking a path to financial independence and educational success. Her recently published book, "DebtFreeDegree: How To Graduate Without Student Loans While Getting Good Grades, Having Tons of Fun, and Landing Your Dream Job!" is set to be a game-changer for students worldwide.

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!