In this special solo episode, Melissa Joy, CFP®, CDFA, breaks down the newly passed One Big, Beautiful Bill Act—yes, that’s really the name!

Signed into law on July 4th, this sweeping piece of legislation (affectionately nicknamed “OB3”) will impact everything from your tax brackets to your charitable deductions, and much more in between.

Whether you’re a retiree, parent, small business owner, or high earner, Melissa walks through what’s changing, what’s staying, and what you need to know to navigate the financial road ahead.

⚖️ Key Topics Covered:

• 🧾 Tax Brackets & Deductions: 2017 rates are now made “permanent,” with small tweaks and no sunset provisions—yet.
• 👵🏽 Seniors Win Big: A new $6,000 deduction and reduced taxation on Social Security (but only for four years…for now).
• 👶🏽 Families with Kids: Increased child tax credit and the introduction of a new “Trump Account” for minors.
• 🏠 Homeowners & Itemizers: Mortgage interest deduction remains capped at $750K—but now includes mortgage insurance premiums.
• 💸 SALTs Revived: The state and local tax deduction cap is increased to $40,000 for many, offering potential relief for homeowners in high-tax states.
• 🍽️ Tipped & Hourly Workers: Temporary deductions for tips and overtime income, subject to income thresholds.
• 🚗 New Car Loan Deduction: But only for U.S.-assembled vehicles purchased after 2024 and under strict income limits.
• 🌱 Clean Energy Credits: Act fast—many are phasing out earlier than expected.
• 🏛️ Estate & AMT Revisions: Estate tax exemptions rise to $15M per person in 2026, and AMT thresholds shift downward.
• 👩🏽‍💼 Small Business Owners: Expanded access to deductions like Section 179, QBI (199A), family leave credits, and retirement plan incentives.
• 🎓 Student Loans & 529s: Parent PLUS loans capped; 529 plans expanded for apprenticeships, therapy, and some non-degree programs.

📬 Resources Mentioned:

• Melissa’s deep-dive blog post on OB3

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:...

What if success didn’t have to come with stress, hustle, and emotional burnout? Performance coach Brandi Hudson joins Melissa Joy to share how high-achievers can shift from chasing external validation to building a life rooted in purpose, clarity, and peace.

Brandy introduces her powerful BASE framework—Beliefs, Alignment, Self-Awareness, and Emotional Resilience—a mindset map for those ready to evolve from achievement to mastery. Together, they explore the inner work it takes to untangle limiting beliefs, align your desires with your emotions, and build true emotional resilience so that success actually feels successful.

This conversation is for the doers, the leaders, the “check-the-box” professionals who suspect there’s more waiting on the other side of the hustle.

💡 Key Themes Covered:

• Rethinking success: Why accomplishments alone don't guarantee fulfillment
• How subconscious beliefs quietly shape your relationship with money, health, and love
• The difference between wanting money and understanding what you actually want it for
• Why emotional resilience is the ultimate leadership skill
• Tools to align your internal world with your external goals

Connect with Brandi Hudson

🔗 Facebook: facebook.com/hibrandihudson
📸 Instagram: @brandibhudson
▶️ YouTube: @brandibhudson
🐦 X (formerly Twitter): @brandibhudson
💼 LinkedIn: linkedin.com/in/brandibhudson

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:...

Ever wonder what separates thriving CEOs from those who struggle?

The secret isn't just business savvy—it's mindset. This compelling conversation with Megan Schwan, founder of Sidekick Accounting Services, explores how CEO-level thinking can radically improve both your business and your personal finances.

As a single mom and successful entrepreneur with over 11 years of experience, Megan shares her journey from surviving to thriving. She explains how transitioning from reactive, task-based management to intentional, strategic leadership transformed her business and life. This mindset shift is equally powerful when applied to personal finances.

Megan also emphasizes the power of embracing your financial data. Avoiding your numbers may feel safer, but regularly reviewing them is the key to clarity and confidence. Her use of the Profit First methodology ensures you pay yourself first and run a business—or a household—that works for you.

We explore why outsourcing isn’t a sign of failure, but a strategic tool for growth. Whether it's hiring in your business or getting help at home, letting go of the guilt around asking for support can unlock a new level of financial and emotional well-being.

Whether you're a business owner, managing household finances, or juggling both, this episode delivers real, relatable insights to help you become the CEO of your money. Tune in for actionable tips, powerful mindset shifts, and a reminder that financial leadership starts with you.

Key Takeaways:

• Shifting from doing the work to strategic thinking changes everything
• Setting boundaries protects your energy and your priorities
• Financial data is a tool for empowerment, not something to avoid
• Profit First helps ensure you prioritize your own pay
• Delegation and outsourcing free up space for growth
• Grace and small wins help maintain long-term financial momentum
• Vulnerability and support-seeking are strengths in any financial journey

If you found value in this episode, please share it with a friend or leave us a review.

Connect With Megan:

https://www.linkedin.com/in/meganmschwan/

https://www.instagram.com/mompreneurof4/

https://www.facebook.com/sidekickaccounting

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:...

Ever feel like some financial "truths" don't quite add up? In this episode of Women's Money Wisdom, Melissa Joy, CFP®, teams up with colleague Alexa Kane, CFP®, for a candid conversation challenging some of the most widely accepted (but often unexamined) money beliefs.

🔍 What they unpack:

• The Hidden Costs of Buy Now, Pay Later:
  From fast food to impulse buys, installment payment apps are everywhere—but at what cost? Melissa and Alexa reveal how these “convenient” options can become debt traps, especially for younger consumers.
• The Case Against Aging in Place:
  It’s a common goal—but is it always the best one? Learn why staying in your home might not be ideal and how retirement communities could offer more social, emotional, and physical support in the long run.

💬 Expect real stories, smart analysis, and bold perspectives that just might shift your thinking. Plus, a preview of what’s next: a hot take on life insurance as an investment.

🎧 Listen now and consider:

• Are your financial choices based on habit—or strategy?
• Could your assumptions about aging be holding you back?
• Who needs to hear this? Forward it to a friend.

📍Resources and more: pearlplan.com

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:...

Ever dreamed of owning a business but felt overwhelmed by starting from scratch?
Franchising might be the solution you didn’t know you needed—offering the independence of entrepreneurship with the structure and support of an established brand.

Melissa Joy, CFP® is joined by husband-and-wife team Alex and Julie Roberts to explore the world of modern franchise ownership. With over two decades of industry experience, Alex is the founder of The Franchise Playmaker, helping professionals navigate over 4,000 franchise options to find the right fit. Julie is the founder of Kindling Creative and brings her marketing savvy to their newest venture: opening The Milkshake Factory in Ann Arbor.

From surprising truths about franchise selection to behind-the-scenes insights into local marketing and revenue strategy, this conversation is packed with actionable takeaways—especially for professionals looking to transition out of corporate roles into entrepreneurship.

Key Highlights:

• Why most franchise owners end up choosing a brand they never expected
• How franchise consultants work like realtors to guide the process
• The rise of franchising among 45–55 year-olds seeking more control
• What “validation” means in the franchise world—and why it’s essential
• Creative marketing tactics from Julie, including local partnerships and community events
• The realities of ownership: “There’s no such thing as absentee franchising”

Resources Mentioned:

• Connect with Alex: franchiseplaymaker.com
• Follow their journey IG: @milkshakefactorya2

This episode is for anyone exploring entrepreneurship, looking for a career pivot, or simply curious about how franchising really works—beyond the buzzwords.

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:...

What happens when financial advisors ignore half their potential clients?
They miss out on a trillion-dollar opportunity.

This compelling conversation with Cary Carbonaro, CFP® and author of Women and Wealth, explores how the financial services industry has consistently overlooked women—and what needs to change. As Cary puts it, “Financial services is the least sympathetic to women, but the one that has the most to gain if they get it right.”

We explore why 70–80% of women leave their financial advisors after the death of a spouse (hint: it’s not because they want to), and how common industry missteps—like unconscious bias, excessive jargon, and dismissing women’s priorities—push female clients away. Cary also unpacks key emotional and financial concerns, including the “bag lady fear” that affects over 50% of women regardless of net worth, and why values-based financial planning matters more than ever.

By 2030, women are expected to control two-thirds of the nation’s wealth—an estimated $30 trillion—driven by increased longevity, entrepreneurship, “gray divorce,” and rising numbers of female breadwinners. This shift presents a massive opportunity for advisors who are willing to evolve.

Whether you're a woman taking charge of your finances, someone who wants to support the women in your life, or a financial professional aiming to create a more inclusive practice, this conversation offers powerful insights into why empathy, education, and intentionality lead to stronger financial outcomes for all.

Key Themes:

• How the industry has failed women—and how it can do better
• The emotional drivers behind women’s financial decisions
• Why women often switch advisors after major life events
• The trillion-dollar wealth transfer and what it means for the future
• Creating financial plans that prioritize purpose, not just performance

Connect with Cary Carbonaro
Website: https://carycarbonaro.com/
LinkedIn: https://www.linkedin.com/in/carycarbonarocfp/
Facebook: https://www.facebook.com/ccarbonaro
Instagram: https://www.instagram.com/carycarbonaro/ https://x.com/CaryCarbonaro

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:...

What does it really mean to live life on your own terms?

Melissa Joy, CFP®, is joined by Sherita Janielle—digital marketing consultant, and entrepreneur who pulls back the curtain on what it looks like to redesign your life after a major transition, reject societal timelines, and prioritize fulfillment, flexibility, and financial sustainability.

After a career in finance, Sherita transitioned to entrepreneurship. Following her divorce, she took a leap and embraced a life she once never imagined—working remotely while traveling the world. But this conversation goes far beyond digital nomadism. It’s about crafting a life that aligns with your values, your energy, and your vision of success—whether that means flying across continents or simply living more intentionally at home.

Melissa and Sherita dig into:

• Rebuilding life and finances post-divorce
• Why location independence can actually be more affordable than city life
• The power of saying "no" to society’s expectations (and "yes" to your own)
• Building authentic community while traveling solo
• The importance of not making long-term decisions in a temporary mindset
• Why it's okay to change course and not have it all figured out

This episode is for anyone questioning the status quo, navigating a life transition, or dreaming of a different kind of success.

Connect with Sherita:

• Get the Digital Nomad Blueprint
• Instagram: @sheritajanielle
• Website: modernwomanagenda.com

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:...

Working harder isn’t the answer—thinking strategically is.

In this empowering episode, Melissa Joy, CFP®, sits down with executive coach Jackie Simon to explore what it really takes to grow your career—and your income. From navigating leadership roles to preparing for bold career moves, Jackie shares how to shift from “doing more” to demonstrating more value.

💡 Learn why:

• Simply putting in the hours won’t get you promoted—or paid what you’re worth
• Building a team that can run without you is the key to advancement
• Strategic networking (inside and outside your company) is non-negotiable
• Accepting less money to switch industries isn’t a smart move
• You should never underestimate the financial power of a well-timed job change

Jackie also shares practical tips for identifying mentorship opportunities, managing career uncertainty, and aligning your professional path with your financial goals.

🎧 Whether you're eyeing the C-suite, recovering from a layoff, or just ready for what’s next—this episode will help you take control of your trajectory with intention and confidence.

Learn more at JackieSimonCoaching.com.

Connect on LinkedIn: www.linkedin.com/in/jackiesimoncoaching1

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:...