Kelley Owens - Sage Money Conversations with Barbara Norman, CFP® - Episode 015: How I Paid Off Crippling Debt Kelley and her husband paid off over $300,000 of student loans, while still being able to invest and have fun along the way. Did I mention that she also has young kids? Learn how Kelley dug her way out of crippling debt and what it did for her life and her attitude. Her journey is an inspiration and a great lesson for taking responsibility for your choices and learning to love life. Kelley graduated cum laude from the University of Southern California in 2005 and received her law degree from the University of San Diego in 2008.  She practices law in San Diego, California and where she serves as a real estate attorney for public entities. She has been in practice for 13 years and is the chair of her firm's Business & Real Estate practice group. Kelley has a passion for mentoring newer lawyers on topics of work-life balance, practice management, and personal finance. Through her own student loan journey, Kelley found the Oola Green Gap, and now she wants to share her story in the hopes that it can help other attorneys who are buried in debt and thinking there is no good way out. Kelley is a huge fan of the Oola Lifestyle Framework, as the program has helped Kelley tremendously in balancing motherhood, legal career, self-care, and all the things!    - Kelley graduated cum laude from the University of Southern California in 2005, and received her law degree from the University of San Diego in 2008. - Connect with Kelley: WEBSITE: https://f3law.com/attorneys/kelley-a-owens/ LINKEDIN: https://www.linkedin.com/in/kelley-owens-88826a6/ TWITTER: https://twitter.com/f3law Learn more about your ad choices. Visit megaphone.fm/adchoices

Vladan Trifunovic - Sage Money Conversations with Barbara Norman, CFP® - Episode 014: Why Your Best Friend is Your P&C Agent - You’ve had an accident. It happens. Did you know that they way you talk to your adjuster will affect how your claim gets (or does not) get paid? I never call an adjuster unless I talk to my agent first. Listen and learn why! This episode holds lots of surprises about the nuances of property and casualty insurance.   - Connect with Vladan: WEBSITE: https://www.statefarm.com/agent/us/ca/san-marcos/vladan-trifunovic-xxlkl5dc9ak LINKEDIN: https://www.linkedin.com/in/vladan-trifunovic-30338610/ FACEBOOK: https://www.facebook.com/vladtheagent/ INSTAGRAM: https://www.instagram.com/vlad_theagent/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Bertha Edington Sage Money Conversations with Barbara Norman, CFP® Episode 013: Marriage and Money: Do You Know Where the Money Is? Not all marriages are transparent and loving. In this episode we get a glimpse into Bertha’s marriage and the disaster that can occur when a woman does not actively participate in the family finances.   - This is a cautionary tale for anyone who lets their spouse do it all. Bertha is a longtime marketing executive with high-tech startups, international corporations, advertising agencies and marketing firms. Bertha has successfully created everything from new websites to lead generation campaigns to brand development programs. Her efforts have significantly contributed to the market awareness and sales growth of her client’s organizations.  - Listen to this information-packed episode of Sage Money Conversations about how to bounce back from difficulties in love and business.  - Here is what to expect on this week’s show: • Bertha’s story of how her financial future was derailed in her marriage. • How to rediscover your happiness and independence after a divorce. • What Bertha would tell a younger version of herself, if she had the chance. • The importance of building a community to fall back upon in trying times. • Bertha’s favorite piece of advice   Connect with Bertha: WEBSITE: https://www.getmarketinginfluence.com/blog/author/hillcrestgal/ LINKEDIN: https://www.linkedin.com/in/berthaedington FACEBOOK: https://www.facebook.com/GetMarketingInfluence/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Arch Fuston - Sage Money Conversations with Barbara Norman, CFP® -  Episode 012: Growth is an Inside Adventure - Take an adventure of the mind. Self-limiting beliefs can hold us back in life. Discover how to create an awareness, release fears and pattern, and find fulfillment. - Arch Fuston is the founder of Arch Fuston Coaching. Arch partners with people seeking to discover their sense of identity and grow their self-esteem. Whether it’s getting your self-worth to exceed your net-worth, building a better relationship with stress and anxiety, and/or accurately uncovering what you truly value in life and becoming it, Arch guides you to it. Arch contributes as a certified leadership coach, a Mental and Emotional Release Master Practitioner, and a Certified Stress Mastery Educator. He has his MEh.D. from the school of life, and is currently on his own path to becoming a coveted Certified Self-Concept coach.   - Listen to this information-packed episode of Sage Money Conversations about personal growth, and living a more fulfilling life.  -  Connect with Arch: WEBSITE: https://www.archfuston.com/ LINKEDIN: https://www.linkedin.com/in/archfuston/ INSTAGRAM: https://www.instagram.com/archfuston_coaching/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Miguel Nunez - Sage Money Conversations with Barbara Norman, CFP® - Episode 011 – Secrets for Getting Paid Top Dollar for Your Home & Navigating Probate - Miguel is not your typical realtor. It’s not about selling a home. Rather, it’s about getting top dollar for the least amount of angst. He uses his civil engineering and construction management to assess whether a house should be fixed up or sold as-is.  He is a former private Fiduciary and he specializes in probate real estate and helping beneficiaries to navigate the court system. You’ll want to listen to the end, as he reveals his secrets for how he gets buyers into heated bidding wars and prevents post-offer negotiations.   - As a Realtor, Miguel Nunez and his team at Miguel Nunez & Associates specializes in probate and trust real estate sales. The Trustees, Trust Officers, Fiduciaries and Attorneys he has partnered with over the past 23 years have found that Miguel’s professional background as a former private Fiduciary lends a unique understanding to the complexities of the disposition of residential and commercial real estate where trusts and probate are a consideration. Miguel’s early career as a licensed Civil Engineer with a Master’s in Construction Management also brings a keenly experienced and knowledgeable eye to the assessment and valuation of client properties. Serving over ten years as a Private Fiduciary, further increased his understanding of the Probate process, pitfalls and court dynamics. When undertaking the selection of a Realtor, the depth and breadth of information he provides clients facilitates the due diligence process with the Beneficiaries, Estate Attorneys, Private Fiduciaries and the Courts. His firm also assists clients with readying properties for sale with the many licensed handymen, cleaning crews, estate sales teams, locksmiths, hauling and contractors, etc., that we have long-standing relationships with. What truly distinguishes Miguel Nunez & Associates is the ability to streamline the real estate disposition process while providing a concierge-level experience, freeing up clients’ time to focus on their clients’ other demands and issues.    - This episode of Sage Money Conversations offers Miquel’s unique approaches to real estate and what to expect when real estate is in probate. -  Here is what to expect on this week’s show: What to expect when the family home is in court.  The two types of probate sales, and how to tell which one is right for you.  Miguel outlook on the current housing market.  How to get the most from the sale of your home.  What to look for when hiring a good realtor.  - Connect with Miguel: WEBSITE: https://mnateam.com/ LINKEDIN: https://www.linkedin.com/in/miguelnunezrealtor/ FACEBOOK: https://www.facebook.com/miguelnunezandassociates INSTAGRAM: https://www.instagram.com/miguelnunezsd/ YOUTUBE: https://www.youtube.com/channel/UC0BsIUIQVU5dZZsTh3MWU5A Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom Horvath - Sage Money Conversations with Barbara Norman, CFP® - Episode 010: Dealing With Family Addiction - Addiction can be financially devastating, it can destroy a life, and it can tear a family a part. It’s typical for addicts to attend numerous and expensive treatment programs to no avail. In this revealing episode, Dr. Tom Horvath tells us why the traditional approaches to addiction do not work and he offers alternative ways to treat addiction, talk with our loved ones, and create a happier home life.   - Dr. Horvath, author of Sex, Drugs, Gambling & Chocolate: A Workbook for Overcoming Addictions, has specialized in addictive problems since 1985. He is a California licensed (PSY7732) and board-certified clinical psychologist. He is the founder and president of Practical Recovery Psychology Group in San Diego. He is the past president of the APA’s Society of Addiction Psychology where he led Division 50, the world’s largest group of addiction psychologists. He instructed graduate addiction courses at Alliant International University and the University of San Diego. For 20 years he served as the president of SMART Recovery, an international foundation that sponsors free meetings for science-based addiction treatment, self-empowerment training, and support groups. He continues to serve on SMART’s US board of directors, and the Global Research Advisory Council for SMART Recovery International. He is a fellow of the San Diego Psychological Association, ABCT and APA.   - On this episode of Sage Money Conversations, learn about Dr Horvath’s unique approach to breaking addictions and techniques for forming happier life choices.  - Here is what to expect on this week’s show: Rat Park. Learn what this study reveals about errors in the scientific studies on addiction.  Why rehab isn’t a one-size-fits-all solution.   Communication tips for how to take the “heat” out of conversations.  Learn what “Smart Recovery” can do for you or your loved one. - Connect with Tom and Practical Recovery: WEBSITE: https://www.practicalrecovery.com/ FACEBOOK: https://www.facebook.com/practicalrecovery TWITTER: https://twitter.com/PracticalRecov PINTEREST: https://pinterest.com/practicalrecov/ INSTAGRAM: https://instagram.com/practicalrecoverysd YOUTUBE: http://www.youtube.com/user/PracticalRecoveryInc/feed LINKEDIN: https://www.linkedin.com/in/tom-horvath-81959a69/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ann Chamberlin - Sage Money Conversations with Barbara Norman - Episode 009 - Whether you are negotiating a pay raise, moving to a new company, or re-entering the work force, this episode is a great resource.  Our guest, Ann Chamberlin, is a leader in early-stage technology companies and a key executive for successful mergers and acquisitions. Over the course of her career Ann spent considerable time on both sides of the table in salary negotiations. She tells us how to position our value as employees, build trust with the employer, and develop a partnership attitude during the interview phase. She is a big believer in win-win scenarios and her techniques lead to happier outcomes for both employers and employees.  - Listen to this valuable episode of Sage Money Conversations, for tips on re-entering the workplace, and getting the most out of your contract negotiations.  - Here is what to expect on this week’s show: ● Tips for women who are negotiating re-entering the workforce. ● How and when to give push back during contract negotiations. ● Certifications and recruitment programs to look for when considering re-entering the workplace as a new mom.  ● Ways that the wage gap between men and women has (and has not) changed over the years.  ● Tips on how to carry yourself in a job interview.   Connect with Ann: LINKEDIN: https://www.linkedin.com/in/annchamberlin/ TWITTER: https://twitter.com/AnnChamberlin3 Learn more about your ad choices. Visit megaphone.fm/adchoices

Linda Jahnke - Sage Money Conversations with Barbara Norman, CFP® - Episode 008: The Hardships of Paying for Long-Term Care - Long Term Care is a difficult topic. None of us want to think about losing our independence. We don’t want to admit to losing capacity and we don’t want to be told what to do. Further, the conversations can be embarrassing. Yet, these are the conversations we may need to have with our parents or a spouse. In this tender episode about navigating long term care, Linda tells us how to talk with our loved ones and navigate the difficulties of Long Term Care Insurance. .  - For over 30 years, Linda Jahnke has been a well-known and trusted elder care resource in San Diego. After graduating from the University of Iowa, she began her career working in a skilled nursing facility. Seeing the need to plan for care expenses, Linda quickly built a career as an insurance broker. The mission of Jahnke Consulting is to advocate for their clients and manage long term care claims. She works closely with families to assess the needs of elders as they navigate the complexities of the health care system and their long-term care insurance claims. Her company has filed hundreds of successful LTCi claims, where claims have been denied.   - During the early years in her practice, she volunteered as an Ombudsman with the Area Agency on Aging and has served as Secretary and Vice Chair for the George G. Glenner Alzheimer’s Family Care Centers.   -  This episode of Sage Money Conversations focuses on how to talk with loved ones and navigate the complexities of long-term care insurance.  - Here is what to expect on this week’s show: How Linda got involved in long-term care, and the tragic event that turned her into a patient advocate.  The frustrations of long-term care insurance, and how to navigate rate hikes.  How to get the most out of a long term care insurance policy.   What to do when a loved one resists sensible care solutions.  - Connect with Linda: WEBSITE: https://www.jcltca.com/ LINKEDIN: https://www.linkedin.com/in/lindajahnke/ Learn more about your ad choices. Visit megaphone.fm/adchoices

John Henberger Sage Money Conversations with Barbara Norman. CFP® - Episode 007: Making Your Business More Saleable - Your business is an expression of your life’s passion, your dreams, and your hard work. You want to get the greatest value you can from the sale, and in many cases, protect the financial security of your management team and employees. John Henberger, the founded the Henberger Group, shares his IntelligentExit® process where he talks about the processes and essentials for selling a business. Learn from the successes and mistakes of other’s businesses as we walk through the delicate process of selling your most valuable asset – your business - to the right successor.   John has been a successful business owner in the Southern California area for over 35 years. In 2002, he founded the Henberger Group to assist owners of privately held, middle market businesses ($10M to $200+ million) with exit planning and transition solutions. John has founded, acquired, ran, and sold a variety of businesses in the wine, manufacturing, distribution, and high-tech industries.  He is the creator of the IntelligentExit® process and the author “How To Make Your Business More Saleable.”   - Listen to this information-packed episode of Sage Money Conversations about how to prepare your business for the most optimal transaction.  - Here is what to expect on this week’s show: John advice for when and how to prepare your business for sale.  Some of John’s favorite success stories.  Risk factors involved when selling a business.  How to best ease the transition of ownership for clients and employees after making the sale.   Why owning a business is a great way to cement a family legacy.   - Connect with John: WEBSITE: http://www.henberger.com/ LINKEDIN: https://www.linkedin.com/in/johnhenberger/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Rod Hatley - Sage Money Conversations with Barbara Norman, CFP® - Episode 006 Estate Planning Essentials - Rod Hatley, a former JAG officer, found his calling as an estate planning attorney after he and his sister experienced an expensive and time consuming seven-year probate for his fathers’ estate. When Rod’s father fell ill, Rod tried to get his father to do the estate planning he needed. Unfortunately, his father had a mental block and could not bear the thought of gifting or changing legal title to the assets he spent his life accumulating. In 1995, based on his experience with his father, Rod turned to estate planning so he can help others with the family conversations and the planning that needs to take place to avoid estate taxes and the costs and delays of probate.   - Rodney J. ("Rod") Hatley has his J.D., and LL.M in Taxation and he is the founder of Hatley Law Group AP.C.. Rod began his legal career working in personal injury litigation and then for the U.S. Navy Judge Advocate General’s (JAG) Corps, first as a Criminal Defense Counsel and Legal Assistance Attorney and then as a Staff Judge Advocate and Special Assistant U.S. Attorney. During this time he twice received the Navy and Marine Corps Commendation Medal. After coming off of active duty in the JAG Corps, Rod pursued a Master of Laws from the University of San Diego School of Law’s acclaimed graduate tax program and shifted into estate planning, trust, and probate law. Rod is licensed to practice in California and his home state of Tennessee. When he isn’t busy with his practice, Rod enjoys scuba diving (he is open water certified), snorkeling, and surfing (which he does very badly) in San Diego. He is a fan of MidCentury Modern architecture and volunteers his time to the Rotary Club (he is a Paul Harris Fellow) and the Nice Guys San Diego charity.   - Here is what to expect on this week’s show: - Hear Rod’s story. Disaster stories that show what happens when a person doesn’t plan.   Basic Essential Estate Planning documents, explained in layman’s terms.  Know the responsibilities of your agents, so you can appoint the right person to unwind your estate and help you if you are incapacitated.   What happens in Probate Court, and how planning can help you avoid it.  How to talk to your children and loved ones about estate planning issues.  Connect with Rod: WEBSITE: https://hatleylawgroup.com/ FACEBOOK: https://www.facebook.com/HatleyLawGroupAPC/ LINKEDIN: https://www.linkedin.com/company/hatley-law-group-a.p.c./ TWITTER: https://twitter.com/rodneyhatley Learn more about your ad choices. Visit megaphone.fm/adchoices