Dollars and Sense

Life can change in a single moment, leaving you to face roles and decisions you never expected.How do you move forward when grief collides with leadership, parenting, and identity?In this episode, Nicole Romito sits down with Jody LaVoie, Founder and CEO of The Grief Company, and CEO and Coach at Widows In The Workplace, to share how a sudden tragedy reshaped her life. She recounts becoming a solo parent and chair of her family’s company overnight, while navigating shock and responsibility. Jody explains how she led and later sold the business, rebuilt her identity, and learned to ask for help. She also offers guidance for widows and women stepping away from demanding careers.Jody covers:The moment that changed her life and stepping into leadership while in shockLeading and selling a multimillion-dollar company while raising three daughtersHow unmanaged stress affected her health and reshaped her prioritiesWhy asking for help and narrowing your timeframe eases early griefSupporting widows and executives as they redefine identity and next chaptersAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Jody LaVoie:LinkedIn: Jody LaVoieWebsite: The Grief CompanyWebsite: Widows in the WorkplaceAbout Our Guest: Jody LaVoie’s mission is to empathize and humanize bereavement support in the workplace. The emotional impact of grief alters lives, and with comprehensive leadership and guidance, the grief experience can transform lives in a positive way. The Grief Company provides a comprehensive bereavement response that transforms grief into an opportunity for connection, resilience, and a culture that stands the test of time. Grief touches us all. As a business leader, certified grief educator, coach, and widow, Jody is uniquely positioned to elevate bereavement support that is aligned with culture and an eye on the bottom line.

Managing money can feel manageable at first. But what happens when life gets more complex, and the stakes get higher?In this replay episode, Nicole Romito revisits a powerful conversation with Greg Bogdan, CFP®, Senior Advisor at Private Vista, LLC, about building the right financial team. They explore when a “team of one” stops being enough, how advisors, CPAs, and estate attorneys work together, and why proactive coordination matters. From estate settlement stories to evolving tax laws and legacy planning, they share real examples of how collaboration simplifies major life transitions.Greg shares key insights:Why managing finances alone often works early on, but becomes risky as life grows more complexHow coordinated calls between advisors, CPAs, and attorneys prevent costly misstepsThe role of proactive estate reviews and updating documents before life events happenCommon oversights like unsigned trusts or improperly titled assetsWhy major events like business sales or inheritance require early team planningAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Greg Bogdan:LinkedIn: Greg Bogdan, CFP®[email protected] Our Guest: Greg Bogdan enjoys creating lasting relationships as a trusted advisor to clients. He finds it most rewarding to help his clients think through their financial situations in developing a customized plan and path to achieving their goals. After walking clients through his process, Greg hopes that they come away feeling empowered to make informed financial decisions with the confidence of knowing how to achieve their vision of ‘financial independence’ while living a more enriched and fulfilling life.With a busy, young family, outside of work and in between shuttling their girls (ages 7, 5, and 1) between activities, Greg and his wife, Christi, enjoy cookouts and entertaining with their friends and family. During the summer months, they’re often found at nearby parks, going on walks with their dog, Clancy, or riding bikes as a family. They most enjoy summer vacations on the beaches of Cape Cod and the shores of Michigan. In the future, My Private Vista is to explore the country and instill their love of traveling in their girls.

Retirement planning often focuses on finances, but the emotional and personal side can be just as impactful. What happens when work slows down, routines change, and relationships shift at home?In this episode, Nicole Romito and Mike McCabe, CFP®, CPC, Partner & Senior Advisor at Private Vista, continue their discussion by shifting from money to mindset. They explore the emotional side of retirement, including changes in daily routines, increased time with a spouse, and the importance of retiring toward something meaningful. The conversation highlights communication, structure, and flexibility as key factors in building a fulfilling next chapter after work.Key takeaways:Why open communication becomes even more important for couples in the second phase of retirementHow clients often revisit retirement readiness for years before feeling comfortable moving forwardThe value of retiring toward purpose rather than simply leaving a careerHow routines and structure support emotional balance after full-time work endsUnderstanding mental stress when retirement is unexpected or arrives sooner than plannedAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Mike McCabe:LinkedIn: Mike McCabeAbout Our Guest: Throughout his career in financial services, Mike McCabe has focused on helping clients manage their financial lives in a way that supports enjoyment and fulfillment beyond the numbers. He has a strong commitment to continued learning, earning the CERTIFIED FINANCIAL PLANNER® designation as well as the Certified Pension Consultant (CPC) designation through the American Society of Pension Professionals and Actuaries. Within the firm, Mike serves on the Investment Committee, supports compliance efforts, and mentors the next generation of advisors.Mike values a healthy work and life balance, which for him means finding satisfaction in his work while making time for golf, volunteering, exercise, movies, and meaningful time with his wife, friends, and family. He looks ahead to continued growth with modern technology, more travel, deeper community involvement, and enjoying life as a present and engaged grandfather.

Retirement often feels close long before the details are clear, and timing can shape how smooth the transition feels. Decisions around income, health coverage, and benefits tend to overlap more than expected.In this episode, Nicole Romito sits down with Mike McCabe, CFP®, CPC, Partner & Senior Advisor at Private Vista, to walk through what to think about in the final year before retirement. They cover Medicare timing, Social Security decisions, and how early planning helps avoid rushed choices. The conversation also explores replacing a paycheck, managing cash flow, and why tax awareness matters as income sources change.Key takeaways:Planning health insurance decisions at least 90 days before retirement to avoid gaps and confusionUnderstanding how Medicare Parts A, B, D, and supplemental options fit togetherRecognizing that Social Security reductions for early filing are permanentReplacing a paycheck with structured retirement income that feels predictableUsing multiple account types to manage taxes and income timing effectivelyAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Mike McCabe:LinkedIn: Mike McCabeAbout Our Guest: Throughout his career in financial services, Mike McCabe has focused on helping clients manage their financial lives in a way that supports enjoyment and fulfillment beyond the numbers. He has a strong commitment to continued learning, earning the CERTIFIED FINANCIAL PLANNER® designation as well as the Certified Pension Consultant (CPC) designation through the American Society of Pension Professionals and Actuaries. Within the firm, Mike serves on the Investment Committee, supports compliance efforts, and mentors the next generation of advisors.Mike values a healthy work and life balance, which for him means finding satisfaction in his work while making time for golf, volunteering, exercise, movies, and meaningful time with his wife, friends, and family. He looks ahead to continued growth with modern technology, more travel, deeper community involvement, and enjoying life as a present and engaged grandfather.

Divorce brings emotional upheaval, but the financial uncertainty can feel paralyzing. Where do you even start?How do you protect yourself when you haven’t managed the finances? What team do you need, and how do you begin planning for a future you never imagined?In this replay episode, Nicole Romito revisits her conversation with Senior Advisor Delaney Orozco, CFP®, breaking down the financial side of divorce into three manageable phases. They discuss building the right support team, gathering crucial financial data, and starting to envision your next chapter. Whether you’re considering divorce or already in the process, this conversation offers practical guidance for navigating one of life’s most challenging transitions with clarity and confidence.Delaney discusses:Why starting with a financial advisor before an attorney can save you money and provide better guidanceThe essential team members you need beyond just a lawyer, including therapists and divorce coachesHow to gather financial data systematically, even if you’ve never been involved with household financesWhy emotions around assets like retirement accounts and homes require special attention and planningThe importance of looking forward to what you’re moving toward, not just what you’re leaving behindAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Delaney Orozco:LinkedIn: Delaney [email protected] About Our Guest: Delaney Orozco, CFP®, began in the financial services industry in 2015 as a service advisor. Throughout her career, she has focused on finding the intersection between the day-to-day processes of the financial world and bigger-picture planning, with the goal of assisting her clients in achieving their private vista. Delaney also has a deep passion for developing guides for her clients, helping them navigate the psychology behind finance and the numbers they see on the page. Her experience as a collegiate athlete has equipped her with the work ethic and dedication necessary to perform at a high level, which she hopes to offer her clients.

What happens after you reach financial independence? Many assume retirement means endless relaxation, but the reality is often more complex.How do you find meaning when career obligations no longer drive your daily routine? What brings fulfillment in this new chapter of life?In this episode, Nicole Romito revisits a conversation with Jeff Toner, CHFC®, RICP®, Partner at Private Vista, about moving beyond the numbers to discover purpose and meaning after achieving financial independence. Jeff shares insights from nearly 40 years in financial planning, discussing the evolution from solving math problems to helping clients navigate life transitions.He explores resources for designing your next phase, real-world examples of clients finding fulfillment, and practical approaches to climbing the “second mountain” of purpose-driven living.Jeff discusses:The shift from retirement planning as a math problem to conversations about purpose and life designHow financial independence often arrives earlier than expected, creating both opportunity and uncertaintyPractical resources like “Designing Your Life” and “The Second Mountain” for mapping your next chapterReal examples of clients finding meaning through social enterprises, education programs, and service workWhy staying curious, investing time in exploration, and maintaining connections are essential to fulfillmentAnd more!Resources:Estate Planning for the Sandwich Generation with Jeff Toner (Ep. 34)Designing Your Life: How to Build a Well-Lived, Joyful Life by Bill Burnett and Dave EvansThe Second Mountain: The Quest for a Moral Life by David BrooksConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Jeff Toner:LinkedIn: Jeff TonerMyPrivateVista.comCall: 312-831-4370About Our Guest: Jeff Toner, CHFC®, RICP®, Partner at Private Vista, now almost 40 years into his career, has the luxury of looking backward and reflecting on the journey he has been on. Back in 1984, he didn’t know what a fiduciary was or what a financial planner did. What he did know was he wanted to help people with their finances and achieve their goals in life. He wanted to do it in a way that he wasn’t selling them a product but rather walking side by side with them as they moved toward their dreams. Jeff has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.

Most women carry the weight of financial decisions while juggling careers, caregiving, and the pressure to simply “figure it out.” In this conversation, Nicole sits down with nationally recognized money expert Terry Savage for a grounded, candid look at what women need to know at every stage of life. They unpack why time is one of your most powerful financial tools, the real impact of credit card debt, how early investing can change your future, and why long-term care planning matters more than most people realize.What to expect from this episode:How to avoid the debt spiral that steals opportunitiesThe power of starting small and starting earlyWhy women’s financial paths include unique challengesHow to protect yourself and loved ones later in lifeAnd so much more!Resources:Find Terry’s books on Amazon here!“Friends Talk Money” PodcastConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Terry Savage:Terry Savage [email protected]: Terry SavageAbout Our Guest: Terry Savage is a nationally recognized expert on personal finance, the economy, and the markets. She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency.She is the author of four best-selling books on personal finance. A new edition of her best-selling book, The Savage Truth on Money is now available on Amazon.com. The first edition was named one of the top ten money books of the year by Amazon.com. Her other recent book is: The Savage Number: How Much Money do You Really Need to Retire? She is also co-author of The New Love Deal.Terry appears frequently on national television and radio programs, commenting on the financial markets and current economic events. She is featured on WGN Radio and WGN-TV in Chicago, with a weekly personal finance segment.

How does a kid from Louisiana with a 30-inch vertical jump become a leader in finance and coaching? Senior Advisor Delaney Orozco joins Nicole Romito for a candid, energizing conversation about the surprising ways competitive volleyball has shaped her personal and professional path.From the sweltering heat of Southern softball fields to Virginia Tech’s Division I courts, Delaney shares how lessons in teamwork, loyalty, and grit have built the foundation for her success at Private Vista and why coaching young athletes now feels like giving back.What to expect:Why volleyball taught her to trust deeply and lead betterHow coaching helped her grow as a parent, teammate, and advisorThe surprising way she met her husband on the courtReal talk on time management, community, and staying inspiredAnd more!Previous Episodes of Interest:Empowering Your Financial Future Post-Divorce with Delaney Orozco (Ep. 59)Action Steps After Loss with Delaney Orozco (Ep. 45)Why Women Belong in the Wealth Management Industry with Delaney Orozco and Stephanie Nanney (Ep. 15)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Delaney Orozco:LinkedIn: Delaney Orozco CFP®About Our Guest: Delaney has always had a passion for coaching others. Whether that be in sports or on their financial wellbeing, she loves being someone that people can go to for advice and help through times of adversity or times of joy. Delaney began as a mathematics major at VT and had planned to teach high school calculus and coach volleyball. As a junior, she decided she might want to do something different from teaching. She knew she could always coach as a hobby, but started her search for a career where she could help people with something that always seemed like a struggle for her own family growing up: the concept of money.Delaney began in the financial services industry in 2015 as an Associate Advisor. Over my career, she has worked on being able to find the intersection of the day-to-day processes of the financial world and the bigger picture, planning to help clients achieve their Private Vista. She also deeply enjoys developing a guide for clients to help them navigate their psychology behind finance and the numbers they see on the page.

When aging parents or loved ones need more care, families often face overwhelming choices.How do you balance emotions with practical decisions? What resources exist to guide families through health, financial, and housing challenges?In this episode of Dollar$ And $ense, Nicole Romito speaks with Jennifer Beach, Advanced Aging Life Care Professional™ at Advocate For Elders, LLC. She shares her experiences helping families manage transitions, from coordinating medical care to evaluating senior living communities, while highlighting the importance of advocacy and planning.Key takeaways:The role of an aging life care professional in supporting families through medical, financial, and emotional transitionsWhy long-distance caregiving creates added challenges and how local advocates help bridge the gapThe importance of having a second set of eyes and ears at medical appointmentsHow to effectively evaluate senior living communities beyond the marketing pitchThe value of accreditation, ethics, and professional background when choosing an elder care resourceAnd more!Previous Episodes of Interest:Aging Parents: How to Start the Conversation – Part 1 (Ep. 74)Aging Parents: What We Learned Caring for Our Parents – Part 2 (Ep. 75)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Jennifer Beach:LinkedIn: Jennifer BeachAdvocate for EldersAbout Jennifer Beach:Jennifer Beach has 25 years of experience working with and advocating for older adults and their families. She has a Bachelor of Arts degree in Social Work from The Ohio State University and a Master of Arts degree in Sociology from Cleveland State University. Jennifer started her career working over 15 years with older adults with developmental disabilities. After additional training she soon began Advocate For Elders.Jennifer is a licensed, insured Social Worker and an Advanced Aging Life Care® Professional. Jennifer served as the Midwest Chapter President of the Aging Life Care Association and served 7 years on the Board of Directors. In 2018, Jennifer was honored as the recipient of the ALCA Midwest Chapter Outstanding Member of the Year Award.Jennifer is also a monthly contributor and author for Northeast Ohio Boomer and Beyond. IN 2022, she received first place in the Senior Issues Category at the North American Mature Publishers Association for her contribution to NE Ohio Boomer and Beyond.

When aging parents can no longer live on their own, emotions and logistics collide. In this powerful 75th episode of Dollar$ and $ense, Nicole Romito is joined again by her Private Vista partners, Jeff Toner and Steve Merdinger, to share deeply personal and professional experiences navigating late-in-life transitions for aging parents.From legal blind spots to Medicare rules that no one explains, this conversation peels back the complexity and reveals how essential sibling coordination and proactive conversations really are.What to expect in this episode:Real-life stories of navigating elder care for parents in different statesHow to avoid missed insurance benefits and unexpected out-of-pocket costsThe hidden toll on the “default” caregiver sibling and how to support themWhat Jeff wishes someone had told him before he dealt with hospiceAnd more!Resources:Aging Parents: How to Start the Conversation – Part 1 (Ep. 75)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Steve Merdinger:LinkedIn: Steve Merdinger ChFC®, CFP®Connect with Jeff Toner:LinkedIn: Jeffrey Toner ChFC®About Jeff Toner: Over the 30 years of doing this work, Jeff has lived many lives through my clients. He has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.As a father of three and business owner, Jeff enjoys an enriched life. He channels his time, talents, and energy between family and friends, clients and colleagues, as well as causes that provide a path for those without the opportunities he’s had. Now that Jeff’s children are becoming young adults, he is most excited to explore new directions for the next stages of his life.About Steve Merdinger:Steve has been a financial planner since the mid-80s, helping people consider priorities for themselves and their families, and then working closely with them to turn their hopes and dreams into reality. Before that, he worked in his family’s business, which gave him a unique understanding of the financial dynamics of family-owned businesses, including the issues of succession planning.As I look to my future, Steve hopes to become more involved with mentoring students — perhaps becoming a trainer with the Positive Coaching Alliance organization. He would like to carve out more time for meditating and maintaining his fitness and flexibility through Bikram yoga. And, of course, spending more quality time with his wife and two children. 

Starting the conversation about a parent’s care isn’t easy, but it might be the most important discussion you ever have.In this deeply personal episode, Nicole Romito is joined by her Private Vista partners Jeff Toner and Steve Merdinger for part one of a two-part series on navigating the emotional and practical challenges of aging parents who can no longer live independently.Together, they reflect on their own family journeys and what they’ve learned from decades of guiding clients through this pivotal life moment.What to expect:Real stories of loss, transition, and tough family decisionsWhen and how to start the conversation before a crisis strikesHow power of attorney can (and should) come into playNavigating sibling dynamics and keeping your parents’ voice centralAnd more!Previous Episodes of Interest:Annuities 101 with Steve Merdinger (Ep. 24)Finding Purpose Beyond Financial Independence with Jeff Toner (Ep. 57)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Steve Merdinger:LinkedIn: Steve Merdinger ChFC®, CFP®Connect with Jeff Toner:LinkedIn: Jeffrey Toner ChFC®About Jeff Toner: Over the 30 years of doing this work, Jeff has lived many lives through my clients. He has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.As a father of three and business owner, Jeff enjoys an enriched life. He channels his time, talents, and energy between family and friends, clients and colleagues, as well as causes that provide a path for those without the opportunities he’s had. Now that Jeff’s children are becoming young adults, he is most excited to explore new directions for the next stages of his life.About Steve Merdinger:Steve has been a financial planner since the mid-80s, helping people consider priorities for themselves and their families, and then working closely with them to turn their hopes and dreams into reality. Before that, he worked in his family’s business, which gave him a unique understanding of the financial dynamics of family-owned businesses, including the issues of succession planning.As I look to my future, Steve hopes to become more involved with mentoring students — perhaps becoming a trainer with the Positive Coaching Alliance organization. He would like to carve out more time for meditating and maintaining his fitness and flexibility through Bikram yoga. And, of course, spending more quality time with his wife and two children.

The college admissions journey can feel overwhelming for both students and parents. Between changing requirements, testing debates, and growing pressure to “stand out,” families are often left stressed and uncertain about what truly matters. In this episode of Dollar$ and $ense, Nicole Romito sits down with Mary O’Malley, co-founder of Union Hall Admissions Advising, to bring clarity to this process.Mary shares how families can shift their focus from chasing prestige to helping students discover who they are and what they want from their education. She explains how early preparation, authentic experiences, and values-based choices can make the admissions process less about checking boxes and more about creating the right fit.What to expect in this episode:Why college admissions is about more than getting in, and instead about who you become along the wayThe growing role of testing, extracurriculars, and demonstrated interestHow parents can support without overshadowing their child’s journeyStrategies for keeping students grounded and authentic in the application processConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Mary O’Malley:UnionHallAdvising.comLinkedIn: Mary O’MalleyLinkedIn: Union Hall AdvisingAbout Our Guest:Mary O’Malley is the co-founder of Union Hall Admissions Advising, an educational consulting firm that helps students and families navigate the high school and college admissions process. With a background in college counseling at the Latin School of Chicago and degrees from Knox College and Northwestern University, Mary brings a compassionate, straightforward approach that empowers students to stay authentic and confident throughout their journey.

What happens when a family business faces the question of “what’s next”? In this conversation, Nicole Romito sits down with Justin Albertson, Vice President of Client Services at The Family Business Consulting Group, to unpack the delicate balance of transitioning a business while preserving family relationships.Together, they explore why the family side of succession is often more complex than the legal or financial mechanics, and how thoughtful conversations can create alignment across generations. Justin shares real-world examples from successful transitions to tough moments of misalignment, highlighting the importance of open dialogue, clear expectations, and independent third-party guidance.What to expect in this episode:How to start the right conversations around succession and ownershipWhy alignment on family values and expectations matters as much as legal documentsLessons from families who navigated transition well and those who struggledThe role of a “family constitution” in creating clarity across generationsConnect with Nicole Romito: LinkedIn: Nicole RomitoMyPrivateVista.cominfo@myprivatevista.com312-831-4370Connect with Justin Albertson:LinkedIn: Justin AlbertsonLinkedIn: The Family Business Consulting Group, Inc.The Family Business Consulting Group: Justin [email protected] About Our Guest:Justin Albertson is the Vice President of Client Services at The Family Business Consulting Group. With more than 20 years of experience in assessment, organizational effectiveness, leadership development, and executive coaching, he partners with families to strengthen relationships and create strategies that align business success with family vision.

What happens when a strategy manager steps off the spreadsheet and into the spotlight? In this uplifting episode, Nicole Romito sits down with Private Vista’s own Michael Im, whose surprising love for performance arts like improv, acting, and choir has quietly shaped his approach to leadership, communication, and empathy in finance.Michael shares how growing up in a creative Korean American household led him to karaoke nights, improv rooms, and eventually dramatic acting classes in Chicago. But this isn’t just about art. It’s about how performance challenges, emotional vulnerability, and active listening skills transfer powerfully into professional life. Whether it’s running strategic operations or connecting with clients, Michael’s creative lens offers a refreshing take on what it means to be fully human in the finance world.What to expect in this episode:How improv helped Michael build confidence and communication skillsWhy singing in a choir taught him more than just harmonyThe emotional intelligence behind acting and strategic planningThe value of showing up authentically (even if you’re off-key)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Michael Im:LinkedIn: Michael ImMyPrivateVista.comAbout Our Guest:Michael Im is the Strategy Manager at Private Vista, where he helps streamline operations and empower advisors with more time for their clients. With a background in consulting and operations leadership, Michael also brings a unique creative edge shaped by his lifelong passion for performance arts.

What started as a simple hobby has grown into a source of joy, peace, and connection for one of Private Vista’s Client Service Associates, Sue Bolt. In this special lifestyle episode, Sue joins host Nicole Romito to share how birdwatching has become a grounding force in her life, from childhood memories with her father to creating new experiences with her grandchildren.Sue opens up about how this passion deepened during the pandemic, how it serves as a form of mindfulness and mental wellness, and how it’s evolved into meaningful multigenerational bonding. From photographing bald eagles to chasing elusive owls, her story is a reminder that fulfillment isn’t just about finances — it’s about finding purpose in everyday passions.What to expect in this episode:How birdwatching became a multigenerational tradition in Sue’s familyThe mental health benefits of finding peace in natureRare bird sightings that still bring her joyTips for anyone curious about birdwatchingAnd more!Resources:Merlin Bird IDConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370About Our Guest: After many years in the banking industry, Sue shifted to wealth management in 2002. She is part of the Customer Service Associate team as well as the main liaison for all Private Vista’s institutional custodians. Sue takes pride in the strong relationships that she has built over the last 20+ years. Through her daily interactions with clients, she does her best to ensure that she is meeting their needs promptly. She also enjoys problem-solving and the many challenges that her job brings her each day.Sue loves the outdoors! Birds are her passion, both indoor birds and birds in the wild, so she has taken up bird and nature photography in her spare time. The peace and calm that forests bring her as she visits various locations looking for birds is a huge part of her Private Vista. Sue and her husband also very actively attend their grandchildren’s many sporting events and various other activities. The more time she can spend with their three adult children, their spouses, and their nine grandchildren, the better! Her Private Vista for future years is to have more free time to enjoy the outdoors and to be able to follow the grandchildren’s activities, wherever they may take them!

Most people spend years preparing for retirement, but few feel fully prepared for what happens the day the paycheck stops.In this special roundtable episode, host Nicole Romito sits down with Private Vista advisors Greg Williams, Miles Johnson, and Julian Bell to answer the real questions clients ask as they move through accumulation and into decumulation. From how much to save, where to save, how to optimize for taxes, and how to confidently withdraw income in retirement, the team breaks down complex financial topics into real-world advice you can actually use.What to expect during this conversation:How business owners can maximize qualified plan contributions to reduce taxesSmart savings strategies for W-2 employees (including how to leverage HSAs)What executives need to know about stock options, RSUs, and deferred compensationHow to replace your paycheck with tax-efficient withdrawals in retirementAnd more!Resources:Uncovering Opportunity Beyond U.S. Borders with Matt McLaughlin (Ep. 65)Bonds, Tariffs, and Turbulence: How to Stay Grounded in a Shaky Economy with Bill Campbell (Ep. 66)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Our Guests:LinkedIn: Greg Williams, CFP®LinkedIn: Julian Bell, CFP®LinkedIn: Miles Johnson, CFP®

Some of life’s most meaningful moments aren’t about money—they’re about shared experiences. In part two of this special series, host Nicole Romito welcomes back luxury travel expert Byrd Bergeron to explore how intentional travel can create lasting family memories that become part of your legacy.Whether it’s grandparents bringing multiple generations together or parents planning once-in-a-lifetime trips for their children, Byrd shares insider tips for designing travel that feels personal, unforgettable, and worth every dollar.What to expect in this episode:Why one-on-one grandparent trips are becoming a legacy trendCreative ways to engage kids in the planning processHow to design multi-generational travel that works for everyoneWhy planning makes all the difference (and saves money)And more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Byrd Bergeron:Travel Byrds LinkedIn: Byrd BergeronAbout Our Guest: Byrd is the CEO of a $ 13 million travel agency, revolutionizing the luxury travel space. Our innovative model redefines the role of travel agents by allowing them to focus on crafting bespoke experiences. At the same time, our specialized support staff manages the intricate details – from invoicing and dinner reservations to spa appointments and beyond.Our commitment to curating exceptional itineraries is unwavering. Every booking undergoes a meticulous triple-check process, ensuring flawless execution and unforgettable journeys for our discerning clientele.At the intersection of luxury and efficiency, we’re not just planning trips – we’re creating experiences that exceed expectations every single time.

Most people love to travel, but not everyone knows how to do it well. In this vibrant, story-filled episode, host Nicole Romito is joined by luxury travel expert Byrd Bergeron to reveal the five travel mistakes people are making and how to avoid them.Byrd, the CEO of a thriving $13 million travel agency, shares eye-opening stories (including a pink penguin poop fact you won’t forget) and tactical advice for creating trips that are not only memorable but meaningful. From why early planning beats last-minute booking, to how understanding local events can make or break your itinerary, this conversation offers a fresh perspective on intentional travel—and its connection to living a legacy.What to expect in this episode:Why using a travel pro saves more than just timeA wild rule about cruise ships in AntarcticaWhat happens if you get sick overseas, and don’t speak the languageHow travel can become part of your family’s legacy storyAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Byrd Bergeron:Travel Byrds LinkedIn: Byrd BergeronAbout Our Guest: Byrd is the CEO of a $ 13 million travel agency, revolutionizing the luxury travel space. Our innovative model redefines the role of travel agents by allowing them to focus on crafting bespoke experiences. At the same time, our specialized support staff manages the intricate details – from invoicing and dinner reservations to spa appointments and beyond.Our commitment to curating exceptional itineraries is unwavering. Every booking undergoes a meticulous triple-check process, ensuring flawless execution and unforgettable journeys for our discerning clientele.At the intersection of luxury and efficiency, we’re not just planning trips – we’re creating experiences that exceed expectations every single time.

Ever wondered how the bond market could be your secret weapon in times of economic uncertainty? Strap in as Nicole Romito hosts Bill Campbell from DoubleLine in an eye-opening discussion on the oft-overlooked bond market and its role during turbulent times.Bill dives into the complexities of the current economic landscape, unpacking the ripple effects of tariffs, debt management, and U.S. domestic policy on global markets. As this vibrant conversation unfolds, you’ll gain insights into how these factors can influence fixed income strategies and your investment portfolio’s stability.Unraveling Tariff Impacts and Market Volatility [00:07:37]Exploring Fair Reciprocation and Trade Goals [00:15:42]Navigating Bond Markets Amidst Policy Changes [00:24:15]The Global Currency Context and The Future of the Dollar [00:34:31]Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Bill Campbell:LinkedIn: Bill CampbellDoubleLineAbout Bill Campbell: Bill Campbell is a Portfolio Manager at DoubleLine Capital LP, where he co-manages the DoubleLine Global Bond Strategy and serves as a permanent member of the firm’s Fixed Income Asset Allocation Committee. With a focus on Developed Markets, CEEMEA (Central and Eastern Europe, Middle East, and Africa), and China, he plays a key role in shaping global fixed income strategy. Since joining DoubleLine in 2013, Bill has become a trusted voice in navigating complex macroeconomic environments and emerging market dynamics.Prior to his tenure at DoubleLine, Bill built a robust background in investment management. He held roles at Peridiem Global Investors as a Global Fixed Income Research Analyst and Portfolio Manager, and previously worked at Nuveen Investments and John Hancock Financial. Bill holds a Bachelor of Science in Business Economics and International Business, as well as a Bachelor of Arts in English from Pennsylvania State University. Known for his sharp analytical skills and global perspective, he continues to be a leading figure in fixed income investing.

If you could buy a luxury car at half price overseas, would you hesitate? That’s how some investors view global markets right now.Nicole Romito chats with Matthew McLaughlin, CFA, CAIA, from Diamond Hill on this all-new episode of Dollar$ and $ense. Listen as they explore the dynamics of international investing, shedding light on the overlooked value opportunities outside the U.S. Learn why international markets remain “on sale,” how geopolitical tensions (like Ukraine and Gaza) impact investor sentiment, and why active management is crucial when investing overseas. From cultural differences in corporate governance to finding diamonds in undervalued regions, Matt offers a behind-the-scenes look at global investing strategies.Key topics in this week’s release include:Europe’s new defense and infrastructure spending initiatives [00:07:00]Japan’s corporate governance reform [00:14:00]China and India’s contrasting economic dynamics [00:16:30]The implications of global trade deficits [00:24:00]How international conflicts, like those in Ukraine and Israel, impact markets [00:28:00]And more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Matthew McLaughlin:LinkedIn: Matthew McLaughlin, CFA, CAIADiamond Hill Capital ManagementAbout Our Guest: Matt serves as a portfolio specialist for Diamond Hill and joined the firm in 2023.Prior to joining Diamond Hill, Matt served in a number of roles, including vice president — research, for Harbor Capital Advisors from 2008 to 2016, portfolio specialist for William Blair Investment Management from 2016 to 2019, and senior vice president, regional investment consultant for Harbor Capital Advisors from 2019 to 2023. Matt has a Bachelor of Arts in finance and marketing from Loras College.

What role do emotions play in navigating divorce, especially when children are involved?Nicole Romito from Private Vista is back with Dr. Lydia Richardson for part two of their series on dealing with divorce. While part one focused on self-care for adults, this installment dives into supporting children through the emotional ups and downs of their parents’ separation. Dr. Richardson, a seasoned clinical psychologist specializing in family dynamics, brings her insights on minimizing the negative impacts of divorce on children. From establishing consistent routines to managing difficult conversations, this episode is packed with practical tips and candid discussions.Key conversations include:The impact of divorce on children of various ages [05:35]Essential behaviors to avoid during this difficult time [06:22]The importance of parental self-awareness and control [15:19]Strategies for creating a stable environment during transitions [20:26]Navigating co-parenting challenges while keeping kids’ best interests at heart [26:16]And more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Dr. Lydia Richardson:[email protected] LinkedIn: Lydia C. RichardsonRichardson PsychologyAbout Our Guest: Lydia Richardson is a licensed clinical psychologist, Divorce Mediator, Collaborative Law Coach, and Child Specialist who has provided services to adults, couples, and families in a variety of settings since 2004. She is fluent in Spanish and Danish; her multicultural background enables her to bring cultural sensitivity and competence to all aspects of her work, and she is committed to fostering diversity and inclusion in all aspects of life. Her business experience in banking and finance gives her a unique perspective and ability to problem-solve effectively and work efficiently to help clients achieve their goals. She earned her B.A. from New York University (Economics/Politics) and worked in business and finance for several years before returning to school to study psychology. She earned her M.A. in industrial/organizational psychology and her doctorate in clinical psychology (both from Roosevelt University). She has worked extensively with the families of children with developmental disorders, in foster care, and with adolescents in juvenile detention. She is also trained in neuropsychological assessment of adults and children and has consulted to companies seeking executive coaching and team-building.She is a Past President of the Collaborative Divorce Illinois (CDI) Board of Directors and continues to serve on the Board as the Vice President of Mental Health. She is passionate about and hopes to promote alternative dispute resolution and help facilitate less conflict in divorce so as to promote happier families and more productive co-parenting. She believes that families can transcend the difficulty of divorce and evolve into happy and productive individuals and co-parents. She is a member of other professional organizations, including the International Association of Collaborative Professionals (IACP), the Association of Family and Conciliation Courts (AFCC), and the American Psychological Association (APA). She also enjoys teaching graduate psychology courses at Roosevelt University in Chicago and providing consultation to other mental health professionals.A native New Yorker, she has lived in Chicago for over 20 years and calls it home. She is the proud mother of three children who are all in graduate school now, forging their own futures as fellow peacemakers. In her spare time, she is outdoors as much as possible, biking, hiking, skiing, and walking the Chicago lakefront.

What if divorce didn’t have to mean devastation, but instead, became a path to healing, clarity, and even joy?In this episode, Nicole Romito sits down with Dr. Lydia Richardson, a clinical psychologist and divorce mediator, to talk about what a “good divorce” really looks like.Together, they explore the emotional weight of this life-altering decision and how you can honor both your personal truth and your future well-being.If you’re standing at a crossroads in your marriage, know this: you’re not alone, and there is a way forward that centers your strength, your voice, and your vision for what’s next.Key discussion points include:Navigating the marathon of divorce with patience and self-awareness [00:06:34]Finding joy in life post-divorce and breaking unhealthy patterns [00:16:42]The difference between a coach and a therapist in the divorce process [00:25:29]Utilizing a collaborative approach for a healthier transition [00:27:20]And more!Resources:Empowering Your Financial Future Post-Divorce with Delaney Orozco (Ep. 59)Special Feature! The Divorce and Beyond Podcast with Susan Guthrie (Ep. 48)Building Your Team For A Successful Divorce Process with Susan Guthrie (Ep. 36)Collaborative Divorce Illinois: Find A Divorce ProfessionalConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Dr. Lydia Richardson:[email protected] LinkedIn: Lydia C. RichardsonRichardson PsychologyAbout Our Guest: Lydia Richardson is a licensed clinical psychologist, Divorce Mediator, Collaborative Law Coach, and Child Specialist who has provided services to adults, couples, and families in a variety of settings since 2004. She is fluent in Spanish and Danish; her multicultural background enables her to bring cultural sensitivity and competence to all aspects of her work, and she is committed to fostering diversity and inclusion in all aspects of life. Her business experience in banking and finance gives her a unique perspective and ability to problem-solve effectively and work efficiently to help clients achieve their goals. She earned her B.A. from New York University (Economics/Politics) and worked in business and finance for several years before returning to school to study psychology. She earned her M.A. in industrial/organizational psychology and her doctorate in clinical psychology (both from Roosevelt University). She has worked extensively with the families of children with developmental disorders, in foster care, and with adolescents in juvenile detention. She is also trained in neuropsychological assessment of adults and children and has consulted to companies seeking executive coaching and team-building.She is a Past President of the Collaborative Divorce Illinois (CDI) Board of Directors and continues to serve on the Board as the Vice President of Mental Health. She is passionate about and hopes to promote alternative dispute resolution and help facilitate less conflict in divorce so as to promote happier families and more productive co-parenting. She believes that families can transcend the difficulty of divorce and evolve into happy and productive individuals and co-parents. She is a member of other professional organizations, including the International Association of Collaborative Professionals (IACP), the Association of Family and Conciliation Courts (AFCC), and the American Psychological Association (APA).

What do the latest Medicare changes mean for your future? Join Nicole Romito and special guest Carly Rosswurm, Director of Medicare Solutions at Ash Brokerage, as they unravel recent updates to Medicare, the impact of the Inflation Reduction Act, and more. Carly brings 19 years of expertise in Medicare solutions and breaks down the essentials you need to know, whether you’re approaching 65 or advising a loved one.Nicole and Carly discuss:An update on the $2,000 cap on prescription drug costs [00:08:48]The end of the donut hole in Medicare [00:10:55]The CMS Final Rule’s influence on insurance commissions [00:14:28]The capped insulin prices [00:16:52]And more!Resources:Medicare Made Clear With Carly Rosswurm (Ep. 20)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Carly Rosswurm:LinkedIn: Carly RosswurmAsh BrokerageAbout Our Guest: Carly Rosswurm is the Director of Medicare Solutions at Ash Brokerage. Carly graduated from Indiana University with a degree in business and a concentration in marketing. Since then, Carly has always focused on the realm of Medicare. She has been Life & Health licensed for 17 years, and has experience in Medicare marketing, contracting, compliance, continuing education, and sales. With the Medicare Modernization Act of 2003, Carly first got involved in Medicare when the Part D plans were first mandated, and Medicare Advantage plans were first coming into the market. Through continuing education courses, Carly has offered licensed agents and advisors classes on the importance of knowing Medicare basics, along with the difference between Medicare Advantage plans versus traditional Medicare Supplements. 

How Economic Data Shapes Our Financial Outlook with Ben Audley

Are you financially prepared for nature’s curveballs?Nicole Romito sits down with Courtney Eber, Vice President of Alliant Private Client, and Tyler Banks, Executive Vice President of Alliant Client Insurance, to break down the challenges and strategies surrounding personal risk management in the face of climate change. They delve into how extreme weather patterns are changing the landscape of insurance policies and what precautionary steps affluent families can take to safeguard against unexpected losses.Courtney and Tyler discuss: The importance of having comprehensive coverage: [00:11:15]Proactive measures to mitigate risk: [00:05:48]The impact of climate change on insurance premiums: [00:13:31]Higher deductibles and self-insurance considerations: [00:15:46]Navigating liability exposures in our digital age: [00:19:17]And more

What’s the biggest issue in a divorce? Hint: It’s not the relationship.Nicole Romito welcomes her colleague Delaney Orozco, CFP®, back to the show to dive into the complex world of managing finances during a divorce. With a focus on empathy and practical advice, Nicole and Delaney outline a three-phase approach to help listeners navigate this challenging life event. Nicole and Delaney discuss: The importance of building a support team Why you should call your financial advisor once divorce has been determinedEmotional aspects of financial assets: from pensions to your homeGathering data and understanding your financial pictureLooking ahead: crafting the vision for your future life post-divorce And more

How did the markets dance through 2024, and what’s on the horizon for 2025? Nicole Romito and Jeremy Bell, Chief Investment Officer at Conway Investment Research, reflect on the financial landscape of 2024. They discuss the performance of U.S. equity markets, the volatility in fixed income, and the outlook for 2025. They emphasize the importance of a strategic investment plan, diversification, and staying invested for the long term despite market fluctuations. Nicole and Jeremy discuss: U.S. Equity Market Overview: A year of strong performance amid global noiseInsights into the Fixed Income Market: Navigating interest rate volatility2025 Projections: Opportunities in U.S. equities and asset class rankingsInvesting Strategies: Timing the market and risk managementAnd moreConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Jeremy Bell:LinkedIn: Jeremy BellConwayAbout Our Guest: Jeremy is a Principal and Chief Investment Officer for Conway Investment Research, LLC. He joined the firm in 2011 and chairs Conway’s Investment Committee which establishes the firm investment philosophy and process and ultimately oversees the implementation of recommendations made to clients. In addition to leading Conway’s research effort, Jeremy’s primary responsibilities include capital markets research, asset allocation modeling, alternative investment manager due diligence, and management of key client relationships.

Are you navigating the maze of financial security but unsure of what’s next when you reach your goals?Nicole Romito, alongside Jeff Toner, CHFC®, RICP®, Partner at Private Vista, dives into the less-discussed side of financial planning—how to find purpose and meaning after achieving financial independence. Listen as they explore the big questions clients face once their financial goals are met, and how to prepare for the next chapter.Gain insight as Nicole and Jeff discuss: The shift from financial security to finding purposeHow being financially independent changes your lifeWhy it’s not just about retiring; it’s about evolvingHow to navigate the journey with no one-size-fits-all answersAnd moreResources:Estate Planning for the Sandwich Generation with Jeff Toner (Ep. 34)Designing Your Life: How to Build a Well-Lived, Joyful Life by Bill Burnett and Dave EvansThe Second Mountain: The Quest for a Moral Life by David BrooksConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Jeff Toner:LinkedIn: Jeff TonerMyPrivateVista.comCall: 312-831-4370 About Our Guest: Jeff Toner, Partner at Private Vista, now almost 40 years into his career, has the luxury of looking backward and reflecting on the journey he has been on. Back in 1984, he didn’t know what a fiduciary was or what a financial planner did. What he did know was he wanted to help people with their finances and achieve their goals in life. He wanted to do it in a way that he wasn’t selling them a product but rather walking side by side with them as they moved toward their dreams. Jeff has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.

Stress can help you thrive (to a certain degree).Join Nicole Romito as she chats with professional development coach Brendan Cournane to uncover the surprising truths about stress. Through relatable insights and personal stories, they explore practical strategies for managing stress, especially during high-pressure times like the holiday season and year-end.Key takeaways from this episode include: The different types of stress and why not all stress is badPersonal and professional stress management techniquesHow stress can affect relationship dynamicsSimple practices to help transition between work and personal life And morePrevious Episode of Interest:Finding Calmness During The Holidays With Brendan Cournane (Ep. 33)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Brendan Cournane:LinkedIn: Brendan [email protected] Our Guest: Brendan Cournane has served as a partner in a national law firm and various roles in the public sector, including general counsel of the Illinois finance authority. He has seen the malaise and burnout effects of what happens when one’s core values do not align with one’s profession. As a recovering lawyer, he is now a professional development coach helping his clients understand why they do what they do in life, and he helps them align their core values with how they work and live a happier life. Brendan is a certified professional coach and leadership dynamic specialist, as well as a long-time practitioner of mindfulness and meditation, and is a firm believer that happiness is a present attitude, not a future condition.

How do you manage concentrated stock portfolios? With the tech industry thriving, many investors are discovering that their portfolios are heavily reliant on a few major tech stocks, making it a challenging landscape to navigate.Nicole Romito converses with her colleague Randy Porzel, CFP®, and RICP® from Private Vista. Together, they explore the intricacies of concentrated stock positions and their potential effects on your financial future. They discuss effective methods for assessing your stocks, examine strategies to mitigate overexposure, and share insights on how to maintain a robust financial plan.Gain insight as this episode highlights: The risks of concentrated stock positions and their impact on your financial planEffective strategies for diversifying a portfolio and reducing riskThe unique benefits of strategic gifting and charitable donations using stock Tax considerations and how to leverage capital lossesAnd moreConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Randy Porzel:Linkedin: Randy PorzelMyPrivateVista.comCall: 312-831-4370About Our Guest: Randy Porzel’s financial services career began in 2006 as an intern and has worked his way up through every job at Private Vista. Randy has spent hours in meetings with clients, asking questions, and observing. He learned to recognize expectations, a client’s need for clarity, and how without it, there might exist an anxious future. It’s why Randy enjoys taking his clients through Private Vista’s planning process, using Private Vista’s tools that answer their questions and clear any uncertainty so that his clients can look forward to their idea of an enriched life.

Assembling a smart financial team could be the key to your long-term financial success. Financial planning isn’t just about the numbers; it’s about orchestrating a professional team that grows with you, helping further secure your financial future and peace of mind.Nicole Romito sits down with Greg Bogdan, Senior Advisor at Private Vista, to discuss why having a well-rounded financial team is crucial. Learn the importance of avoiding a “team of one,” how to integrate your financial, legal, and tax advisors, and real-life stories illustrating the impact of a coordinated approach.  The importance of a complete team: Understand why a single advisor may not be enough to cover complex financial needs.The value of proactive planning and why regular updates are essentialExamples of how a coordinated team has simplified estate settlement and major financial decisions How to start building your financial team todayConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Greg Bogdan:LinkedIn: Greg Bogdan, CFP®[email protected] Our Guest: Greg Bogdan enjoys creating lasting relationships as a trusted advisor to clients. He finds it most rewarding to help his clients think through their financial situations in developing a customized plan and path to achieving their goals. After walking clients through his process, Greg hopes that they come away feeling empowered to make informed financial decisions with the confidence of knowing how to achieve their vision of ‘financial independence’ while living a more enriched and fulfilling life.With a busy, young family, outside of work and in between shuttling their girls (ages 7, 5, and 1) between activities, Greg, and his wife, Christi, enjoy cookouts and entertaining with their friends and family. During the summer months, they’re often found at nearby parks, going on walks with their dog, Clancy, or riding bikes as a family. They most enjoy summer vacations on the beaches of Cape Cod and the shores of Michigan. In the future, My Private Vista is to explore the country and instill their love of traveling in their girls.

As the U.S. elections approach, many investors find themselves questioning whether to adjust their portfolios in anticipation of potential market changes.Nicole Romito is joined by Jeremy Bell, Chief Investment Officer for Conway Investment Research, to discuss the impact of US elections on financial markets and how to navigate the resulting volatility. With elections just weeks away, the conversation delves into whether you should adjust your portfolio in anticipation and explores if market performance favors one political party over another. Jeremy discusses: The importance of maintaining a long-term strategic investment plan regardless of election outcomesHistorical performance data showing the minimal impact of a political party on market returnsThe role of the Federal Reserve and its recent actions in maintaining economic stabilityKey economic indicators to watch and how they influence market predictionsAnd moreConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Jeremy Bell:LinkedIn: Jeremy BellConway Investment Solutions About Our Guest: Jeremy is a Principal and Chief Investment Officer for Conway Investment Research, LLC. He joined the firm in 2011 and chairs Conway’s Investment Committee which establishes the firm investment philosophy and process and ultimately oversees the implementation of recommendations made to clients. In addition to leading Conway’s research effort, Jeremy’s primary responsibilities include capital markets research, asset allocation modeling, alternative investment manager due diligence, and management of key client relationships.

Did you know medical professionals typically face over $200,000 in student loan debt upon completing their education? This significant financial burden, paired with a delayed start in their earning potential, makes financial planning uniquely challenging.In this second part of Nicole Romito and Stephanie Nanney’s conversation about financial planning for medical professionals, they dive deeper into the unique circumstances surrounding their financial landscape. Learn tips for managing substantial student debt, balancing personal and professional financial goals, and preparing for large salary changes. Nicole and Stephanie discuss: Managing large student debt and balancing it with other financial goals like buying a home or investing in a practice.The importance of disability insurance and the different policy options available for medical professionals.Navigating the fluctuating income streams typical for medical professionals.A need for collaboration with CPAs, attorneys, and other professionals to ensure comprehensive financial health.And more! Resources:Financial Planning for Medical Professionals – Part One (Ep. 51)Why Women Belong in the Wealth Management Industry (Ep. 15)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Stephanie Nanney:LinkedIn: Stephanie Nanney About Our Guest: Having grown up around the financial services industry, Stephanie Nanney, CFP®, CPFA, knows the value of long-term relationships with clients and the work and reward that comes with helping those clients, and their families, achieve financial goals. Stephanie’s primary goal in helping clients is to listen to them and establish a genuine partnership, providing a strong foundation of financial knowledge that is crucial to achieving their goals. Ultimately, witnessing her clients achieve their Private Vista is the most rewarding aspect of her work.

Contrary to popular belief, earning a salary as a medical professional can sometimes cap your financial growth. Exploring different compensation models could open doors to greater control and profitability.Join Nicole Romito as she sits down with her partner at Private Vista, Stephanie Nanney to peel back the layers of financial planning for medical professionals, providing insights into compensation structures, retirement planning, and the critical decisions that can shape your financial well-being. By listening, you’ll gain valuable knowledge on how medical professionals are paid, the importance of understanding compensation structures, and strategies to maximize your financial security.Nicole and Stephanie discuss: Compensation structures for hospital employees vs. private practice professionals.Contractual considerations for medical professionals regarding salary, bonuses, and benefits.Designing retirement plans to maximize pre-tax savings for medical practice owners.The evolving trend of private practice ownership and its financial and tax implications.And more!Resources:Why Women Belong in the Wealth Management Industry (Ep. 15)Strategies for Maximizing Executive Compensation – Part One (Ep. 42)Strategies for Maximizing Executive Compensation – Part Two (Ep. 43)  Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Stephanie Nanney:LinkedIn: Stephanie NanneyAbout Our Guest: Having grown up around the financial services industry, Stephanie Nanney, CFP®, CPFA, knows the value of long-term relationships with clients and the work and reward that comes with helping those clients, and their families, achieve financial goals. Stephanie’s primary goal in helping clients is to listen to them and establish a genuine partnership, providing a strong foundation of financial knowledge that is crucial to achieving their goals. Ultimately, witnessing her clients achieve their Private Vista is the most rewarding aspect of her work.

Navigating the complexities of estate planning can feel overwhelming, and many of us are uncertain about how to initiate this crucial conversation with our familiesBut don’t let your fears of the unknown stop you from planning this important piece of your legacy.Join guest Lindsey Markus, Asset Protection Attorney and Shareholder Principal at Chuhak & Tecson, P.C. as she shares tips for navigating hard conversations around estate planning. Through personal anecdotes and professional guidance, learn how to guide your loved ones to be well-prepared and honor your wishes.Nicole and Lindsey discuss: The complexities of estate planning in blended families and first marriagesEquitable distribution vs equal distributionStrategies to prevent family conflicts when estate planningThe importance of ongoing review and updates in estate plansAnd moreResources:A Gift For The Future by Lindsey Paige MarkusHow Can Donor Advised Funds Be Used For Estate Planning With Sean Julian (Ep. 27) Action Steps After Loss With Delaney Orozco (Ep. 45)How to Prepare for the Death of a Loved One With Carrie Shoener (Ep. 46)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Lindsey Markus:LinkedIn: Lindsey MarkusChuhak & Tecson About our Guest: Lindsey Paige Markus is a licensed attorney in the state of Illinois, Florida, and New York. Lindsey concentrates in the areas of estate planning, asset protection, wealth transfers, and taxation. Lindsey works with business owners and families to formulate succession plans, advise in wealth preservation and various aspects of gift and estate taxation. Lindsey is also a collaborative law fellow and consults on the estate planning and estate tax implications associated with marriage and divorce. Passionate about educating clients and advisors, Lindsey has published more than 30 articles. In addition, Lindsey speaks regularly on estate planning, wealth protection, corporate and non-profit issues to groups and through a variety of media appearances. 

Have you heard of the 529 plan?It could be your new key to unlocking a brighter future for your kids while being financially efficient. Join Nicole Romito as she and her colleague, Colleen Dwyer share the essentials of 529 plans, the tax advantages they offer, and how they can be an integral part of securing the educational futures of your children or grandchildren. Follow along to learn who can contribute, what expenses qualify, and the benefits of starting early. Nicole and Colleen discuss: What a 529 plan is and how the money invested in it can be used Differences between state-specific plans and strategic decisionsWho and what qualifies for a 529 planThe tax and financial benefits of a 529 plan and how to set them up properlyAnd moreConnect with Nicole Romito: LinkedIn: Nicole RomitoMyPrivateVista.comCall: 312-831-4370Connect with Colleen Dwyer:LinkedIn: Colleen DwyerMyPrivateVista.comCall: 312-831-4370About Our Guest: Colleen Dwyer’s financial services career began in 2018. As a financial advisor at Private Vista, she develops trusted relationships with clients and collaborates to build a plan that creates financial confidence and independence. She enjoys working with a dedicated and experienced team to deliver personal and critical advice and service, so her clients can be successful both financially and personally.Colleen loves to spend quality time with her friends and family, and actively participate in her community. She lives with her husband in Lincoln Park and enjoys all the city has to offer – frequent bike rides and trying new restaurants. When not in Chicago, she spends time in Michigan and the western suburbs visiting family. Colleen also loves to travel and looks forward to checking places off her bucket list when she can.

Are you going through a divorce and need some financial wisdom?Recently Nicole Romito was a guest on The Divorce and Beyond Podcast with Susan Guthrie. Today’s episode features a replay of an insightful conversation that delves into complex financial issues during and after divorce. Gain insights on matters that arise during divorce – including whether or not to keep the house, how to find hidden assets, and the importance of having an advisor as part of your divorce team. Learn essential tips to avoid costly mistakes and gain a deeper understanding of financial planning in the context of divorce.Topics include but are not limited to:The role of a financial advisor in the early stages of a divorceTax implications and true walkaway values from investmentsComplexities of dividing retirement plans, pensions, 401(k)s, and other assetsNavigating executive compensation and ensuring a fair divisionAnd moreResources:Expensive Mistakes Made in Complex Property Division Cases with Divorce Financial Professional Nicole Romito on The Divorce and Beyond Podcast #308 Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Susan Guthrie:SusaneGuthrie.comThe Divorce & Beyond PodcastLinkedIn: Susan GuthrieFacebook: Susan GuthrieInstagram: Susan GuthrieYoutube: Susan GuthrieAbout Susan Guthrie: Susan Guthrie, a renowned figure in Family Law and Mediation, has guided individuals and families through separation and divorce for 32 years. She recently co-founded the Mosten Guthrie Academy with mediation expert Forrest “Woody” Mosten, offering cutting-edge training for legal and mediation professionals.As Chair-Elect of the ABA Section of Dispute Resolution, Susan is poised to lead the Section in the upcoming bar year. Internationally recognized for her expertise in online mediation and AI in law, she has trained over 25,000 professionals worldwide, including programs for ABA, ADRIC, and NADN.Recipient of the 2020 L. Randolph Lowry Award from the Southern California Mediation Association, Susan also serves on the Executive Committee of the Online Mediation Training Task Force. Additionally, she hosts two acclaimed podcasts, The Divorce & Beyond® Podcast and “The Make Money Mediating Podcast”.

Jumping into managing your finances can be overwhelming, especially straight out of college.But don’t worry, this week on Dollar$ and $ense we are replaying a popular episode that includes an insightful conversation about how young adults can build healthy financial habits.Join Nicole Romito as she chats with Carrie Shoener (nee Mangan) about the importance of saving and investing, tips for maximizing employer contributions to a 401(k), and diversifying retirement savings across different accounts.Gain insight into:401(k)s, including contribution levels, employer matching, and pre-tax deductionsThe top 3 tips for getting started with investing Rules of thumb for housing costsTarget Date Funds and how they may help you diversify your portfolio with less riskThe importance of having an emergency fundAnd more!Resource:How to Prepare for the Death of a Loved One With Carrie Shoener (Ep. 46)Connect with Nicole Romito: LinkedIn: Nicole [email protected] [email protected]: 312-831-4370Connect with Carrie Shoener:LinkedIn: Carrie [email protected] Our Guest: Carrie Shoener is an advisor at Private Vista LLC. Her previous work as a high school teacher emphasized how important it is to build strong relationships as the cornerstone of one’s career. That same principle guides her work as an advisor, where she is able to continue helping people solve problems and make empowered decisions about their futures. Carrie sees her role as a trusted and empathetic source of financial education, and she enjoys working with clients to build up their knowledge and understanding of their options.

Reflecting on the loss of a loved one is an agonizing journey nobody willingly embarks on.Yet, those who take proactive steps to brace themselves for such an inevitable occurrence are often spared the crippling weight of financial burden and the relentless onslaught of emotional upheaval in the aftermath.Join Nicole Romito as she welcomes her esteemed colleague, Carrie Shoener, to discuss the critical but often overlooked topic of preparing for the death of a loved one. Despite the difficulty, it is essential to have these conversations to ensure that everything is in order and wishes are understood. Learn key steps and best practices as Nicole and Carrie discuss:How to approach the end-of-life conversation with your loved onesStrategies for ensuring family members have access to essential documents and passwordsThe importance of having updated financial and estate planning documents Tips for sharing sensitive topics with family members to avoid future conflictsAnd moreResources:How to add a Legacy Contact for your Apple IDHonoring Your Loved One’s Memory With Alexandra Koys (Ep. 19)Mastering Your Finances: Tips for Young Adults with Carrie Shoener (Ep. 21)Action Steps After Loss With Delaney Orozco (Ep. 45)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Carrie Shoener:LinkedIn: Carrie [email protected] Our Guest: Carrie Shoener is an advisor at Private Vista LLC. Her previous work as a high school teacher emphasized how important it is to build strong relationships as the cornerstone of one’s career. That same principle guides her work as an advisor, where she is able to continue helping people solve problems and make empowered decisions about their futures. Carrie sees her role as a trusted and empathetic source of financial education, and she enjoys working with clients to build up their knowledge and understanding of their options.

Despite the certainty of life’s endpoint, many individuals find themselves unprepared for the emotional and financial implications when a loved one suddenly passes away.Do you have the right people and processes in place?Join Nicole Romito and guest Delaney Orozco for an insightful dive into the complexities surrounding the sudden death of a loved one, providing knowledge and compassion for those faced with this challenging situation. From establishing a “key person” to assist with the immediate steps to engaging in self-care practices and managing financial protocols, this episode offers support, guidance, and actionable tips for navigating through one of life’s most difficult times.Nicole and Delaney discuss: The importance of identifying a “key person” for immediate and supportive actionDeveloping practical checklists for financial and personal affairsThe significance of self-care and seeking emotional support during the grieving processThe different roles of importance such as trustees, executors, and powers of attorneyAnd moreResources:Why Women Belong in the Wealth Management Industry With Delaney Orozco and Stephanie Nanney (Ep. 15)Consumer Financial Protection Bureau: Power of attorneyConsumer Financial Protection Bureau: TrusteeWhen a loved one dies and debt collectors come calling Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Delaney Orozco:LinkedIn: Delaney [email protected]: 312-831-4370About Our Guest: Delaney Orozco, CFP®, began in the financial services industry in 2015 as a service advisor. Throughout her career, she has focused on finding the intersection between the day-to-day processes of the financial world and bigger-picture planning, with the goal of assisting her clients in achieving their private vista. Delaney also has a deep passion for developing guides for her clients, helping them navigate the psychology behind finance and the numbers they see on the page. Her experience as a collegiate athlete has equipped her with the work ethic and dedication necessary to perform at a high level, which she hopes to offer her clients.

Ever wondered how your credit score affects your life beyond loans and credit cards? Join Nicole Romito alongside relationship banker at Wintrust Bank, Kenneth Ashford for a deep dive into the far-reaching effects of credit. From the basics of starting your credit journey to advanced strategies for maximizing your score, Kenneth sheds light on the critical role credit plays in financial health and decision-making. Follow along for a comprehensive overview, essential for anyone looking to enhance their financial literacy and navigate the credit landscape effectively.Nicole and Kenneth discuss: The importance of establishing a healthy credit foundation early onKey components that impact your credit score and tips on how to improve itCommon myths about credit and how to avoid misuse Real-life implications of credit scores on renting apartments, securing loans, and moreResources:Annual Credit Report Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Kenneth Ashford:Wintrust BankLinkedIn: Kenneth Ashford Email: [email protected] Our Guest: Kenneth Ashford is currently a relationship banker and officer at Wintrust Bank. However, his professional journey spans over four decades, predominantly in customer service roles, showcasing his extensive background in the field.

In this final installment of this two-part series, host Nicole Romito and guest Matt Parenti delve into executive compensation, providing valuable insights for navigating this complex realm. They discuss essential strategies for maximizing compensation plans, minimizing risk, addressing tax implications, and integrating these elements into long-term financial planning to achieve personal goals.Nicole and Matt discuss: Strategies to maximize different executive compensation plansTechniques for reducing exposure in equity and share investmentsTax implications related to various compensation componentsAligning executive compensation with long-term financial planning and charitable givingAnd moreResources:Strategies for Maximizing Executive Compensation with Matt Parenti – Part One (Ep. 42)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Matt Parenti:Private Vista – Matt ParentiLinkedIn: Matt ParentiAbout Matt Parenti: Matt Parenti is a seasoned financial planner specializing in assisting corporate executives, startup entrepreneurs, and business owners. With a focus on legacy planning, Matt ensures his clients’ financial security and longevity. He is deeply committed to building meaningful relationships, both professionally and personally. As Chair of the Growth & Marketing Committee at his firm, he emphasizes the importance of the “Private Vista Experience” for clients and colleagues alike. He holds a Bachelor’s Degree in Consumer Economics and a Minor in International Studies from the University of Illinois Urbana-Champaign, along with a Master’s Degree in Finance from the University of Notre Dame.Outside of work, Matt treasures time with family and friends, enjoys outdoor activities, and seeks to share his knowledge through mentorship and teaching.

Are you a corporate executive navigating the complexities of executive compensation? Follow along in this installment as Nicole Romito is joined by Matt Parenti a fellow partner at Private Vista. Learn the ABCs of executive compensation and how to maximize your compensation plans for financial success and security in today’s ever-evolving market landscape.Nicole & Matt discuss: Different ways corporate executives are compensatedChallenges and considerations faced by executives Managing company stock and deferred compensation plans as part of a financial strategyAnd more!Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Matt Parenti:Private Vista – Matt ParentiLinkedIn: Matt ParentiAbout Matt Parenti: Matt Parenti is a seasoned financial planner specializing in assisting corporate executives, startup entrepreneurs, and business owners. With a focus on legacy planning, Matt ensures his clients’ financial security and longevity. He is deeply committed to building meaningful relationships, both professionally and personally. As Chair of the Growth & Marketing Committee at his firm, he emphasizes the importance of the “Private Vista Experience” for clients and colleagues alike. He holds a Bachelor’s Degree in Consumer Economics and a Minor in International Studies from the University of Illinois Urbana-Champaign, along with a Master’s Degree in Finance from the University of Notre Dame.Outside of work, Matt treasures time with family and friends, enjoys outdoor activities, and seeks to share his knowledge through mentorship and teaching.

When thinking about your financial plan, are you focusing on the serious aspects and how adult the conversation is? Or are you adding in some humor to create a more fulfilling retirement plan?In this episode, Nicole Romito speaks with Julie Liss, Chief Strategy Officer and Managing Director at Hal Riney, on the importance of incorporating humor into financial strategies and focusing on present joy and fulfillment rather than solely retirement and financial numbers. They explore the importance of creativity, managing a busy schedule, remote work, community, and the freedom that wealth can bring.Nicole and Julie discuss: The importance of humor and not taking financial life too seriouslyWhy advisors and their clients should have discussions about the client’s life beyond careers and financesRedefining what retirement means beyond leaving the jobHow to balance a busy schedule with personal time for creativityAnd moreConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Julie Liss:LinkedIn: Julie Liss

Are you grappling with the complexities of selling your business, unsure of where to start or how to navigate the process?In this enlightening episode, Nicole is joined by seasoned professionals, Matthew Hammer and Dawn Mase from Wintrust Commercial Banking, to shed light on the intricacies of selling a business. Through their experiences and insights, they demystify the process and provide valuable advice to help business owners overcome different hurdles to successfully exit their business and leave it in the right hands.Nicole, Matthew Hammer & Dawn Mase discuss: Different ways to exit your businessSelling to strategic investors, financial investors, or through private salesStructuring the sale transactionOvercoming common pitfallsKey components of the sale transaction, ie earnouts, rollover equity, and working capital adjustmentsContinuing involvement post-saleAnd moreResources:Preparing For The Sale of Your Business: Part 1 with George Karavattuveetil (Ep. 38)Preparing For The Sale of Your Business: Part 2 with Deanna Salo and Eric VanderPloeg (Ep. 39)Wintrust Commercial Banking Connect with Nicole Romito: LinkedIn: Nicole RomitoMyPrivateVista.cominfo@myprivatevista.com312-831-4370Connect with Matthew Hammer:847-590-7042mhammer​@wintrust​.comLinkedIn: Matthew HammerAbout Matthew: Matthew Hammer is a Group Senior Vice President & Division Manager in Wintrust’s Commercial Bank managing Chicago-based middle market privately held businesses. Matt has 21 years of commercial banking experience, including helping lead Wintrust’s growth since 2013 with diverse experience with manufacturing, distribution, and service companies.Matt has a Bachelor’s Degree from Purdue University, Krannert School of Management with a focus in Finance and Marketing. Matt is an Evans Scholar alum and active in various leadership positions within the Western Golf Association and Purdue University Chapter. Before joining Wintrust in 2013, Matt worked for LaSalle Bank and its successor Bank of America for 10 years.Connect with Dawn Mase:847-590-7046dmase​@wintrust​.comLinkedIn: Dawn MaseAbout Dawn Mase: Dawn Mase is a Senior Vice President in Wintrust’s Commercial Bank where she serves as relationship manager identifying and developing new client relationships and providing comprehensive solutions to existing client relationships. Dawn has over 25 years of commercial banking experience in cash flow and collateralized lending, primarily to privately held companies covering a broad spectrum of industries. She has experience in many areas including financing, domestic and international treasury management, investment management, trade and FX, asset-based lending, equipment finance, derivatives as well as syndicated finance.Dawn earned a bachelor’s degree in business from Illinois State University with a focus in finance. She has been actively involved in mentoring young bankers throughout her career. Prior to Wintrust, she worked for JPMorgan Chase within their capital markets group. She specialized in syndicated finance and private placements and was Series 7 licensed.

Whether you’re at the onset of selling your business or simply exploring your options, knowing what to look out for can help you make informed decisions.In this episode, Nicole is joined by Deanna Salo Managing Principal with Cray Kaiser, and Eric Vanderploeg of Burke, Warren, MacKay & Serritella’s Litigation to share their wealth of knowledge and practical tips to guide you through the process.Join us for an insightful discussion on the legal, tax, and financial considerations when preparing to sell your business.Nicole, Eric & Deanna discuss: The importance of involving professionals early in the sale process.The critical role of corporate agreements.The importance of accurately valuing the business.Involving key employees to protect the value of the business.And moreResources:Preparing For The Sale of Your Business: Part 1 with George Karavattuveetil (Ep. 38)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Eric VanderPloeg:LinkedIn: Eric VanderPloegBurke Law Connect with Deanna Salo:LinkedIn: Deanna SaloCray KaiserAbout Deanna:Deanna Salo has been with Cray Kaiser for over 35 years, where she specializes in mergers, acquisitions, shareholder disputes, and ensuring strong agreements for companies. However, she emphasizes the personal impact of each engagement, viewing them as connections with individuals or families. Starting at Cray Kaiser in 1986 after graduating from the University of Arizona, Deanna has grown alongside the firm, which values a people-centric approach. As a Principal since 2001 and Managing Principal since 2021, she provides assurance, strategic, and tax planning services, particularly focusing on closely held and family-owned businesses and nonprofits. Deanna also leads Cray Kaiser’s relationship with DePaul University’s Entrepreneur and Family Business Council and is highly accessible to its members due to her dedication to their success.About Eric:Eric P. VanderPloeg is a partner at Burke, Warren, MacKay & Serritella, P.C. Mr. VanderPloeg is a member of the firm’s Automotive Franchise, Litigation, and Consumer Financial Services Litigation practice groups.Eric started his career as a litigator, and he has handled an array of commercial matters in both state and federal court in several states and jurisdictions. In addition to handling disputes, Eric now also acts as general counsel to businesses in several industries, providing advice on legal matters, including contractual, employment, regulatory, and corporate governance matters.In 2016, 2017, 2018, 2019, and 2020, Mr. VanderPloeg was named as a Rising Star by Super Lawyers®, an attorney rating service from Thompson Reuters.

So you’re ready to sell your business or have been thinking about selling for a while, now what?In this two-part episode, Nicole speaks with George Karavattuveetil, President of Psyched, LLC, about how to prepare yourself to sell your business. George shares his 3-step process to help business owners get ready to sell. Nicole and George draw attention to the lack of understanding and preparation among business owners for the emotional impact of selling their business, and the shift in private equity firms’ interest in long-term views when purchasing businesses. They go on to emphasize the importance of managing emotions during the sale of a business, and the value of teamwork and professional advice during the transition.Nicole and George discuss: Emotional and psychological aspects of preparing to sell a businessPrioritizing goals and values when seeking a buyerPrivate equity firms’ interest in long-term views when purchasing businessesAnd moreResources:Love’s Detour: Navigating Divorce With Beth McCormack and Jason Sposeep (EP. 28)Co-Parenting Strategies Amidst Divorce With Beth McCormack and Jason Sposeep – Part 2 (EP. 29)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with George Karavattuveetil:LivePsyched.comLinkedIn: George [email protected] George Karavattuveetil: George Karavattuveetil is the President of Psyched, LLC. His unique experience has provided him with opportunities to gain critical perspectives of employees and management, entry-level and executive, within union and non-union environments, and across nearly every industry and functional classification. His success has always been with people. George’s goal is to maximize individual and team performance. Not in comparison to others, but relative to what one is capable of. 

There is a big part of the investing world that doesn’t get as much news as equity markets.But it should.In this installment of Dollar$ and $ense, Nicole is joined by Matt Bernardi from Bernardi Securities. Together, they demystify the municipal bond market, a key component in funding local infrastructure projects that are vital to our communities. Matt and Nicole expand on how today’s market has weathered the storm of the COVID-19 crisis and the role of stimulus funds in ensuring municipal stability. The discussion extends to the broader economic context, including consumer spending patterns and the Federal Reserve’s monetary policy, to illustrate their impact on the bond market.With this episode, you will gain insight into: The significance of the municipal bond marketResilience and adaptability of municipal credit during and after COVID-19How the Federal Reserve’s actions impact the municipal bond marketPension liabilities and the potential effects of quantitative tightening on bond portfoliosAnd moreResources:The History of the Decline and Fall of the Roman Empire by Edward GibbonNapoleon: A Biography by Frank McLynnLinkedIn: Steve Anastasiou Connect with Nicole Romito: LinkedIn: Nicole RomitoMyPrivateVista.cominfo@myprivatevista.com312-831-4370Connect with Matt Bernardi: Bernardi SecuritiesLinkedIn: Matt Bernardi312-281-2015About Our Guest: Matt Bernardi joined Bernardi Securities in August of 2013 after trading for 3 years at Chesapeake Partners, a hedge fund located in Baltimore, Maryland. Matt currently assists individuals, pension funds, banks, and other institutions regarding their municipal bond portfolios. He graduated from Johns Hopkins University in 2010 with a B.A. in history and economics minor. Matt currently holds the Series 7, 24, 27, 52, 53, 63, and 65 licenses, serves on the Union League Boys & Girls Club investment committee, and is past President of the Associate Board.

Divorce is an emotional time for both spouses, but it’s important not to let emotions control the process. How can you build the best team for your divorce?In this episode, Nicole Romito speaks with Susan Guthrie, a family law attorney, about the intricacies of divorce. They emphasize the value of a collaborative approach over litigation and the importance of assembling a professional team, including attorneys, financial advisors, and mental health professionals. Susan advises listeners on how to select the right attorney, stressing the need for one who genuinely practices collaborative law. They discuss the significance of experience and mindset in professionals guiding the divorce process and debunk the misconception that collaborative divorce requires a friendly relationship between spouses. Their conversation highlights the benefits of collaborative and mediated divorces for all parties involved, especially children.Nicole and Susan discuss: The need for emotional support before hiring an attorneyThe role of a divorce coach and a financial professional in managing emotions and making rational decisionsThe benefits associated with a well-rounded professional teamThe holistic approach to divorce which involves legal, emotional, and financial aspectsMisconceptions about collaborative divorce, the importance of commitment to the process, and how to find an attorney committed to the collaborative processThe importance of vetting professionals and asking the right questionsAnd moreResources:Divorce and BeyondMake Money MediatingConnect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Susan Guthrie:SusanGuthrie.comLinkedIn: Susan GuthrieInstagram: @susanguthrieesqAbout Our Guest: Susan Guthrie is a nationally recognized family law attorney. She had a successful practice in Connecticut for 32 years and now is a well-known, collaborative and mediation trainer. She aims to help other attorneys learn how to effectively help their clients choose a more productive and amicable way to divorce. She’s also the host of two podcasts, Divorce and Beyond, and Make Money Mediating. 

The Secure Act 2.0 is ever-evolving and has brought up some important questions recently, so let’s go over them!Laurie Kaplan, CPA, partner at Michael Silver, joins Nicole for her second time on the show to continue their discussion about the Secure Act 2.0. Laurie goes over what has been finalized in the act for 2023 and looks ahead to 2024 and 2025. She clears up confusion around various topics including the Required Minimum Distributions when inheriting an IRA, changes in retirement plans, the rules and implications of annuities and IRAs, and the importance of tax planning. Laurie also discusses the new Roth IRA rollover option, the penalty reduction for missed RMDs, and the benefits of having both Roth and traditional IRAs.Laurie discusses: The Secure Act 2.0 provisions and potential impact on retirement plansWhat has been finalized in the act for 2023 and what we can anticipate for 2024 and 2025Changes to required minimum distributions, Roth IRA rollover option for 529 plans, and penalty reduction for missed RMDsExplanation of annuities and IRAs, including single life expectancy and joint annuity optionsDesignation of beneficiaries for retirement plans and consequences of not having one or if the designated beneficiary is deceased or not updatedPremiums and surcharges associated with Medicare based on adjusted gross income (AGI)And moreResources:Highlighting The Key Changes In Secure Act 2.0 With Laurie Kaplan (Ep. 16)Connect with Nicole Romito: LinkedIn: Nicole [email protected]: 312-831-4370Connect with Laurie Kaplan:MichaelSilver.comCall: [email protected]: Laurie KaplanAbout Our Guest: Laurie Kaplan, CPA, has been serving as a trusted advisor to clients for over 25 years, expertly managing and addressing tax and accounting issues within various industries, including manufacturing and distribution, retail, restaurants, real estate, automobile dealerships, and professional service providers. Her background in both accounting and tax, as well as her consultative approach, allows her to partner with clients and develop innovative solutions to address their personal and business needs. She specializes in employee benefit plans, estate and gift tax, like-kind exchanges, and small business start-ups.