What do icebergs have in common with your financial life? In this episode, Danielle Howard discusses how your financial life during your fall season is similar to an iceberg. As you will soon learn, the portion of an iceberg that you can see floating in the water is only the tip of your financial life. The massive portion hidden below the waterline is the really important part; that is where the dangers lie, where the growth happens, and what keeps your tip above water. In this episode, you’ll learn: What unfavorable conditions might lie ahead as you journey into your fall season The importance of taking the time to research the most effective way to optimize your Social Security benefit Why being an active participant in your financial planning is key And more! Listen in and learn how to set your sights on opportunities and challenges as you head into your fall season.  Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle | Episode 41: The Decade Game® — With Carolyn Buck Luce

Creating a life by design, not by default, will help you to create your best decade. In this episode, Danielle Howard speaks with an organizational strategist and leadership coach Carolyn Buck Luce. Carolyn shares what it means to play the Decade Game®, which she created to help people push past the frustrations and stressors of playing by the rules that often keep them on the sidelines instead of in the midst of the action. Let’s get into the game and live our best decade.   In this episode, you’ll learn: Carolyn’s history and how she created The Decade Game® What narratives tend to confine us How to identify your superpowers and make a unique contribution A new way to define your job  Why we should not over-identify with our jobs (and what to focus on instead) And more! Listen in and learn how to change your narrative by playing the Decade Game®. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle | The Decade Game® | The Decade Game® Facebook Page

As we now sit late into the fourth quarter, are you ready for 2020? Are there things you can do to make the most of the year ahead? In this episode, Danielle Howard talks about the three top-of-mind items that may have financial implications for you in 2020, including spousal IRAs and required minimum distributions (RMDs). During such a busy time with the holidays fast approaching, Danielle will show you what actions you can take now to have a great 2020.   In this episode, you’ll learn: How to make the most out of what is available to you, like loading up on spousal IRAs or Health Savings Accounts  Words of advice about taking your RMD withdrawals on time Strategies for deciding on whether it’s better to take an itemized or standard deduction How to harvest your gains and losses in a tax-efficient way And more! Listen in for insightful tips on how to finish 2019 off with eyes wide open so you can have a great 2020. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle   

Writing letters or emails is a great way to nurture relationships with friends and loved ones. Why not take the same approach with your money? In this episode, Danielle Howard shares what she learned long ago about the importance of developing and nurturing her relationship with money. Staying in touch and being connected has helped her to be more aware, intentional, and respectful of her relationship with money and the part she allows it to play in her happiness.   In this episode, you’ll learn: Reasons to write a letter to your money Guiding questions to consider as you approach your letter About the letter that Danielle wrote to her money  And more! Listen in and learn how you can discover the enlightenment of being open with your money. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle 

Sometimes our emotions get in the way of making good financial decisions. In this episode, Danielle Howard talks about a time when she made an emotionally charged decision to buy an expensive product and quickly regretted it. This is a candid conversation about our human tendency to make imprudent decisions when under emotional duress and how to recover. Be encouraged to make financial decisions that leave you feeling confident and satisfied. In this episode, you’ll learn: About the three Ps for making better financial decisions: ponder, process, and plan Why no one is immune to making ill-advised financial decisions Questions to ask yourself if you are prone to making emotional decisions How to use your past to educate yourself for the future Why Danielle is not recommending that you make financial decisions that are totally rational and logical And more! Listen in and learn how to make better financial decisions when emotions are running high. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle   

How are you protecting yourself and your aging loved ones from fraudulent behaviors?  In today’s episode, Danielle Howard brings in a guest and friend Jason Gross, an examiner with the Colorado Division of Securities, to discuss how to keep yourself and the ones you love safe from financial fraud activities. And as you will soon find out, often the people who fall victim to fraud are the ones you’d least expect. In this episode, you’ll learn: Why so many people fall for financial fraud scams Possible risk factors in your life that could make you vulnerable to scams How to identify scams online, over the phone, or even in investments What percentage of people over 60 years old have been financially exploited by a family member And more! Listen in and be awakened to how you can keep you and your family protected from fraud. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8-Week E-Course | Email Danielle | Colorado Division of Securities: (303) 894-2320 | Investor.gov | AARP ElderWatch: 1-800-222-4444, option 2 | Securities Helpline For Seniors: (844) 57-HELPS   

Every once in a while, you probably read a book that you can’t put it down. It grabs your heart and transports you to a different place.  For Danielle Howard, that book was “The Second Mountain: The Quest for a Moral Life” by David Brooks. In this episode, Danielle takes inspiration from Brooks’s writing as she explores the commitments that define a life of meaning: to a spouse and family, to a vocation, to a philosophy or faith, and to a community.  In this episode, you’ll learn: About staying true to yourself by being mindful, intentional, and focused on what’s important in life How to work toward interdependence  What a Damon is and the benefits to finding yours early in life And more! Listen in and get inspired to take a leap, read a book, and put commitment-making at the center of your life. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle | The Second Mountain: The Quest for a Moral Life by David Brooks  

We all want to age well, no question about it. But in our changing society, in which we’re living longer and redefining our existence in retirement, what does it mean to age well? Today, Danielle Howard speaks with Tina Staley, a therapist, clinical researcher, and award-winning author. In a characteristically rich and passionate conversation, they explore the steps to aging well and leading a fulfilling fall season that you can be proud of. In this episode, you’ll learn: The three steps to aging well How to focus on creating awareness around the aging process How your behavioral choices can create positive change Emerging grandmother programs to help not only the aging but also the youth And more! Tune in now and learn three steps to aging well and creating your fulfilling fall season. Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle | Tina Staley

Your fall season of life will be very different than your summer season. As you prepare for the oncoming transition, there are several financial considerations to keep in mind. Today, Danielle Howard uncovers four financial areas to look at when preparing for your fall season: longevity, lifestyle, liquidity, and legacy. Danielle explains why each area is important to consider and highlights how they each differ in the accumulation phase compared to the distribution phase. In this episode, you’ll learn: Examples of how the accumulation and distribution phases are different from each other How managing risk differs as you progress into your fall season The importance of knowing how much is enough How to ensure that you have the proper tools for navigating life’s ups and downs When to start preparing for your transition into rewirement And more! Listen now and learn how to use Danielle’s 4 L’s to better prepare for your transition into your fall season of life! Resources:  DanielleHoward4u.com | WealthByDesign4u.com: (970) 927-3909 | Danielle’s 8 Week E-Course | Email Danielle

Through years of experience, Danielle Howard has learned that rewiring to something — not from something —makes a big difference in the transition into life’s fall season. To help you transition into your fall season, Danielle enlists in the help of retirement and management coach, Denis Wuestman, co-founder of Retirement Wisdom. Today, Denis highlights the non-financial aspects that pre-retirees should consider while planning ahead for their next season of life. In this episode, you’ll learn: How retirement coaches help clients through their transition into the fall season What the qualities of a good coach are Who can benefit from retirement coaching How financial planning complements retirement coaching And more! Tune in now and learn what to consider as you plan for the non-financial side of your fall season. Resources:  DanielleHoward4u.com | WealthByDesign4u.com | Danielle’s 8 Week E-Course | (970)-927-3909 | Email Danielle | Retirement Wisdom