Equity Compensation... Don't Trust Your Google Searches
In this episode of Wine and Dime I welcome to the show three very special financial planners. Meg Bartelt, Chloe Moore, and Samuel Deane are all financial planners that specialize in stock options.
“A stock option gives an investor the right, but not the obligation, to buy or sell a stock at an agreed upon price and date. There are two types of options: puts, which is a bet that a stock will fall, or calls, which is a bet that a stock will rise.”
Sounds simple enough, right? Not so fast, they are much more complicated than that! And these three guests are experts on this topic, and go through some of the things to think about while thinking about these investments.
Sit on back, grab your favorite beverage and enjoy the company, the wine, and the conversation!
Meg Bartelt
Flow Financial Planning
Before Flow, I worked for fee-only Registered Investment Advisors in southeastern Virginia. In search of a home better suited to us, we moved to the Bellingham, WA. (I can see Canada from my front porch!) So many of my interests—hiking, biking, cooking, yoga, never-ending kale—are part of the fabric of life here. And for those blessed times when the children go to bed without a fight, I indulge in books about European royal history, sci-fi/fantasy, and Anything Russia.
Prior to becoming a financial planner, I worked as a technical writer for 10 years in the San Francisco Bay Area, mostly in the software-security sector. There I was often the only woman in the engineering group. I even met my husband at one such job. He worked for over 20 years in software until early 2016, when he transitioned to stay-at-home parent so I could launch this firm.
I grew up in coastal Virginia, where the biscuits are delicious but the summers are horrid. I fled north to Wellesley College in Massachusetts, where I majored in Economics, had an ill-fated one-semester experiment with the crew team, and learned how to banish writer’s block. Ultimately, I followed the herds to Silicon Valley after graduation in 1998 to get a job in the tech industry.
I am a Certified Financial Planner™ professional and a member of the XY Planning Network and the Financial Planning Association.
Chloe Moore
Financial Staples
I’ve had the privilege of helping people realize their potential and live the life of their dreams for over a decade. I’ve also been fortunate to work with a wide range of clients from multi-generational high net worth families to recent college graduates. With each relationship, I gain more insight into how much our emotions and our history with money has an impact on our financial decisions. When my clients experience life transitions, their investment portfolios are the last thing on their minds. They are more concerned about navigating through big life decisions or having a plan in place in anticipation of a major event. In being there for my clients, I’ve seen firsthand the benefits of going beyond investment management and developing a deeper relationship.
As a woman of color in the financial services industry, I understand the unique challenges and opportunities that come with being the only one in the room. Approximately 23% of CERTIFIED FINANCIAL PLANNER™ professionals in the United States are women, and approximately 1.5% are black. The statistics are similar for underrepresented and underserved populations in tech (women, people of color, the LGBTQ community). I’ve built my firm to address the needs of these populations. In addition to helping you grow financially, I can help you gain clarity around your ideal life, build a network of professionals who can work together to help you achieve your goals, and point you to resources that can help further your career.
Why Financial Staples? In addition to being the financial expert among my friends, I’m the go-to person for all things culinary. I love to entertain and, with my well-stocked kitchen, I’m always prepared to whip up a seated dinner for 8 at a moment’s notice. I also believe in the power of a recipe, but I know how to improvise if needed. This easily translates to a person’s financial world. With staples (good financial habits) and a recipe (financial plan), anything is possible!
When I’m not working, you can find me exploring new restaurants, trying new recipes, listening to live music, or traveling. Every Saturday in the fall, I’m either glued to a television or in a stadium watching college football. My favorite team is my alma mater, The University of Alabama.
Samuel Deane
Deane Financial Partners
Samuel Deane, a financial planner, and entrepreneur, is the founder of Deane Financial Partners, Inc., an independent investment advisory firm for Millennials in technology.
After spending some time working in an industry traditionally reserved for wealthy baby boomers, Samuel realized that he could provide wealth management and financial planning services more efficiently for his generation. With a passion for improving the lives of those around him, Samuel is dedicated to providing both practical and relatable financial advice to startup founders and hard-working young professionals in the tech industry.
Samuel has become a financial expert and a go-to resource for national media outlets. He’s been mentioned in Forbes, CNBC, Huffington Post, Investment News, and more. Samuel is also a coveted speaker and loves spreading his wisdom on entrepreneurship, personal finance, and smart investing to his community.
THIS EPISODE WAS PRESENTED BY AMY IRVINE
AND IN COLLABORATION WITH
THE SENECA LAKE WINE TRAIL
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Aromatherapy For Stress with Sarah Song
Welcome to this edition of Wine & Dime with Amy Irvine. If you are a busy, hard-working, type A personality, then this podcast is for you. We welcome Sarah Song onto the show. It is just such a pleasure and to hear her journey and how she took herself out of that crazy corporate environment and started working on her own well-being through aromatherapy. You're gonna love this story and more. We are so excited to have Sarah on the show and we think you're gonna be so excited to hear some of the information about how aromatherapy can actually help with stress and well-being.
So sit on back, grab your favorite beverage and enjoy the show.
Sarah Song
Love Your Limbic
Meet Sarah
Sarah Song is a certified aromatherapist, neuroscience enthusiast, and advocate for workplace well-being based in Los Angeles, California. She founded Love Your Limbic in 2018 to bring her passion for the beauty and biology of self-care to a platform to help people with stress management. Having worked within fast-paced corporate environments in the beauty industry while juggling the ups and downs of everyday life, she struggled with burnout on more than one occasion. She came to value the importance of building a toolbox of self-care practices that could be used in and out of the workplace. Sarah’s personal journey led her here, to create Love Your Limbic to connect with a community of people who are also on the path to well-being.
Sarah is super passionate about the art and science of how we thrive, starting with understanding emotional balance. Always curious and forever learning, Sarah studies the research on a variety of topics within neuroscience, well-being, aromatherapy, and productivity. She empowers her clients to find their own recipe for balance by sharing a diversity of information and practical tools that anyone can use.
THIS EPISODE WAS PRESENTED BY AMY IRVINE
AND IN COLLABORATION WITH
THE SENECA LAKE WINE TRAIL
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Simple Money Strategies with Justin Krane
In this episode of Wine and Dime, we welcome the show Justin Krane. Justin is a CFP who owns his own practice, has written a book, and is a fellow podcaster. Justin’s Book and podcast is called Money. “You Got This!” In both formats he really does offer simple money strategies, that can help anyone out. Be sure to tune and find out about this exceptional financial planner
Justin Krane
info@kranefinancialsolutions.com
Justin Krane, a CERTIFIED FINANCIAL PLANNER (TM) professional, is the founder of Krane Financial Solutions. Known for his savvy, holistic approach to financial planning, he advises his clients on how to unite their money with their lives and businesses.
Using a unique system developed from his studies of financial psychology, Justin partners with entrepreneurs to identify, clarify and meet goals for increasing their business revenue. He works with entrepreneurs to create a bigger vision for their business with education and financial modeling.
He holds a Bachelor of Arts degree in Finance from University of Colorado, Boulder, graduating in 1994. Prior to founding Krane Financial Solutions, Justin was a Vice President, Investments, and Sales Manager at UBS Financial Services Inc., for 12 years, in Beverly Hills, California.
Justin received his Certified Investment Management AnalystSM (CIMA®) designation from Investment Management Consultants Association and in conjunction with The Wharton School of Business at the University of Pennsylvania.
He is married and lives with his wife and three children in Calabasas, California. Justin is an accomplished athlete and was a former junior ranked tennis player in Los Angeles. He loves to cook, travel, speak Italian, and spend time with his family.
MONEY. YOU GOT THIS!
Dealing with your money can be overwhelming and stressful. Especially when you don’t understand all of the financial mumbo.
Justin Krane takes everyday funny life experiences – and turns them into simple money strategies.
You wont be bored reading these short stories. You’ll feel empowered and have some money clarity. You’ll be ready to take your financial life to the next level.
It’s time to cuddle with your money life.
MONEY. YOU GOT THIS.
What’s Your Return on Your Life? Like are you Financially Happy?
It’s Time to Merge Your Money with your Life.
Whether you are a business owner, or an employee.
Rosso di Montalcino D.O.C.
Our 2018 Rosso was aged for 12 months in 500L French oak barrels. Just like our Brunello, our Rosso is made with the same vinification process and incredibly low yields at harvest. Very concentrated (especially for a Rosso), this wine boasts lots of black currant & dark cherry flavors. Great with antipasti, pizza, or even on its own.
THIS EPISODE WAS PRESENTED BY AMY IRVINE
AND IN COLLABORATION WITH
THE SENECA LAKE WINE TRAIL
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Diffusing the Legal and Estate Planning "Bombs"
In this episode of Wine and Dime we are again talking about Estate Planning! Specifically we are talking about avoiding the estate "Bombs" that could potentially occur. I go through some of the documents that you may be looking at when planning with us, or your financial planner. I hope you enjoy the topic and of there is anything that you would like to hear about, reach out! We would love to hear from you. Be sure to rate and subscribe, and remember, "Life is about events, supported by dollars and cents!"
Financial Fitness Clubs
Our Content Philosophy
Fiscal Fitness Clubs of America believes that the purpose of money is to first create financial security and then to accomplish your goals, while matching your values. We believe that joy in life can’t be separated from money, and that reducing financial stress through the management of cash flow and assets can add more joy to your life than owning “stuff,” or buying experiences at the expense of your financial security. We also believe that “knowing” and “doing” are not the same. Our goal is to provide the knowledge and tools to manage your financial life, so you get what you want from your labor and money. We are all about empowering you. At the end of learning how to do these tasks and use the resources,, you will have confidence in your financial path and feel comfortable knowing what you need to do to manage your financial resources and advisors. That doesn’t mean you might not prefer to delegate some or all of the tasks to – someone else such as a planner. Our goal is that you will have confidence in your ability to make informed decisions.
There is an important consequence of this philosophy. You will be committing your time and energy on a regular basis to:
Gathering and organizing sharing your data
Completing assignments, such organizing the information needed to get quotes on homeowners, umbrella and auto insurance or deciding what type of lifestyle you would want in retirement and what it would cost
Committing to becoming comfortable with technology as a tool to manage your finances
How We Are Different
Difference #1
Our classes are FUN! Changing financial habits doesn’t have to be boring and painful. Just like exercise can be fun with the right buddies and venue, learning to take control of your finances can be an enjoyable venture. We work hard to make your experience easy!
Difference #2
There are many financial education programs available, but they assume that KNOWING is all that is necessary for DOING! If that were true, we would all have the perfect combination of diet and exercise! Fiscal Fitness Clubs provides the knowledge, coaching through assignments, and group support required for true lasting change.
Difference #3
While many firms focus on an age group, a wealth level, or some other demographic, our focus is on people who want to take control of their money and are willing to put the time and energy in learning and doing what it takes to develop their life-long financial management skills. This is our way of implementing our fiduciary duty of putting your interests first.
THIS EPISODE WAS PRESENTED BY Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Becoming Financial Wise with Brittney Castro
I'm thrilled to have on the show today Brittney Castro. Britney and I recently formed a partnership of sorts, and I'm just excited to share her journey.
For those of you that don't know Brittany, she's an amazing woman. Brittany and I met a couple years ago. We've stayed in touch here and there but when she decided that she wanted to change the direction of her career... Yes, financial planners do that too. She and I started talking about ways that we could work together.
She's been noted as a final financial expert and “go to” resource for national media outlets like CNN, CNBC, The Wall Street Journal, The New York Times, CBS and many more! Notably, Brittney has recently been elected one of the “40 under 40 in 2020” by Investment News as one of the 22 women to watch!
So, please tune in, grab your favorite beverage and enjoy the show!
Brittney Casto
https://www.financiallywiseinc.com/
Brittney Castro, CFP®, AAMS®, CRPC® is the founder and CEO of Financially Wise Inc., a Los Angeles-based financial planning and education firm whose mission is to teach individuals and couples the art of managing their finances in a thoughtful and proactive way. Brittney is a Certified Financial Planner™, Chartered Retirement Planning Counselor, Accredited Asset Management Specialist, entrepreneur, highly sought-after speaker, and host.
The key to Financially Wise Inc.’s success can be attributed to Brittney’s simple yet highly effective method of approaching finance –in a fun, personalized, compassionate, relatable, and non-judgmental way. Since 2013, Financially Wise, Inc. has offered services ranging from fee-only financial planning, online money courses, and financial wellness workshops to speaking engagements and brand partnerships.
Brittney is a noted financial expert and a go-to resource for national media outlets and platforms including CNN, CNBC, The Wall Street Journal, The New York Times, CBS, KTLA, Good Day LA, Fox 11 News, Glamour, Elle, Marie Claire, Darling, Entrepreneur, Woman’s World, Refinery29, Financial Planning, Investment News, Registered Rep magazine, and many more.
Brittney was elected one of the 40 under 40 in 2020 by Investment News, as one of the 22 “Women To Watch” by Investment News in 2018 and was ranked 6th on INVESTOPEDIA’s Top Influential Financial Advisors list in 2017.
Additionally, Brittney serves as the in-house CFP® for Mint and Turbo as well as the Head of Education for Altruist, both roles where she can continue her efforts of spreading financial literacy to the masses through media interviews, video content, and social media campaigns. She is a CFP® Pro spokeswoman as part of the CFP Board Center for Financial Planning’s campaign to educate minorities about financial planning careers.
Away from the office, you can find Brittney meditating, traveling, exploring, and of course, dancing!
THIS EPISODE WAS PRESENTED BY Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Jim Laughren Podcasts About Wine and Life
In this Episode of Wine and Dime, I welcome to the show Jim Laughren. Jim is “A writer, a thinker, a drinker, an author, an educator, a guy who’d like to share a glass of good wine with you…” Jim joins me as we talk about his writing, his book, life and wine! If you are a wine lover, like me, this is the episode for you!
Jim Laughren
Jim Laughren loves wine. And has for a very long time. He is a former importer and distributor of fine wines from around the world. He is also a Certified Wine Educator who has both taken and taught dozens of classes and seminars dealing with various aspects of wine and spirits.
But it’s sharing—with you!—that means the most to him. And it’s writing that allows him to share his knowledge, experience, and passion with all the people he’d love to meet but probably won’t have the chance to.
He has little use for the snobbery and condescension that have, somehow, become part of the world of wine. “Wine is a joy, a gift of the gods, bounty of the earth, and should be shared and celebrated. Whether someone is brand new to the wine scene or has many years of vinous pleasure at his or her back makes no difference.
“Wine, to me, is part of the human story. From Mesopotamia to the ancient lands of Egypt, Israel, Persia, Greece, or Rome, wine has been drunk and shared and influenced cultures and lives in ways we can only imagine.”
Known for his irreverent, fun-loving approach and abiding enthusiasm, his writings, whether in the pages of “A Beer Drinker’s Guide To Knowing & Enjoying Fine Wine,” “50 Ways to Love Wine More,” or the coming series of “Everything You Need to Know About Wine in 15 Minutes” is targeted squarely at the wine enthusiast with an open heart and curious mind.
50 Ways to Love Wine More: Adventures in Wine Appreciation
Wine appreciation as it was meant to be. No textbook necessary, just open arms and a mind and palate ready to explore. 50 Ways to Love Wine More is about discovering wine on your terms, at your pace, with your friends and fellow wine lovers. Let your ideas and desires intersect with the wonder of wine to enhance and expand your wine knowledge and appreciation.
Author Jim Laughren, a certified wine educator--and certifiable oenophile--shares the insights and lessons learned from 20+ years as a wine importer, distributor, collector, consultant and confirmed aficionado. He reaffirms what is important about wine and our relationship to it. With this foundation to build on, the details, the history, the geography, the art, and the science of wine are easy to assemble and appreciate.
While 50 Ways to Love Wine More is brimming with facts and "vintellect" on a wide variety of wine-focused topics, what you'll learn most is how to let wine wrap you in its embrace, whisper its secrets in your ear, and welcome you to its confederacy of aficionados.
A Beer Drinker's Guide to Knowing and Enjoying Fine Wine
Time to expand your horizons, impress some clients, or introduce your better half to that new wine bar down the street? Then here's the ideal wine guide. A Beer Drinker's Guide to Knowing and Enjoying Fine Wine is a friendly, arm-around-the-shoulder wine primer that educates and enlightens from a beer drinker's point of view. No geeky disquisition or convoluted wine writing, just a witty, easy-going explanation of wine styles and varietals, wine tasting and scoring, the major world-wide wine regions and inside tips for buying or selecting the perfect bottle. Infused with nuggets of beer lore, the keys to understanding "winespeak," and much more. All in all, a fun, enjoyable and surprisingly informative take on the wonderful world of fine wine.
THIS EPISODE WAS PRESENTED BY Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
The Life of Randy Ullom, Financing a Passion by Making it a Career
Welcome to this addition of Wine and Dime where Amy talks with Randy Ullom. How does a native of Ann Arbor, Michigan who is extremely passionate about skiing become a winemaster at Kendall-Jackson? It certainly wasn't a straight and narrow path, in fact it spanned several countries! Join us for this edition where we literally dive into the path of Randy's vineyard formation. You can follow Randy on twitter (@kjwines), as well as the Kendall-Jackson winery.
Kendall-Jackson
Grand Reserve
SANTA BARBARA COUNTY
CHARDONNAY2018
Lush tropical fruit, lemon, lime and floral notes intertwines with nice minerality from the calciferous soils in the Santa Maria and Los Alamos Valleys. There is a touch of floral notes from the small amounts of Dijon and Rued clones, and a hint of vanilla and spice to round out the rich, long finish.
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Emily Graham Shares Her Experience as a Hospice Social Worker
On this episode of Wine and Dime, we welcome to the show Emily Graham. Emily is just one of those people that grabbed my heart. She is a hospice medical social worker and as you'll hear about her story, it was a mission for her to take on this role. Now she's starting to teach others how to be more aware of what is going on in their lives. Stay tuned for the end when she mentions her task that she thinks is most meaningful to people.
We hope you enjoy this show. Grab your favorite beverage, sit on back and enjoy the show!
If you want to learn a little more about Emily, you can check out her LinkedIn
THIS EPISODE WAS PRESENTED BY Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Financial Autonomy! Yes Please! with Paul Benson
Welcome Wine and Dime Listeners! In this episode I welcome back to the show fellow podcaster and financial planner, Paul Benson. If you recall, Paul has a podcast called Financial Autonomy, that focuses on financial strategies to give you choice. Be sure to subscribe right after you listen to the episode! Paul is back to talk about his new book called, you guessed it, Financial Autonomy. And for a lucky listener a copy can be yours, just listen to the episode for details. But for now, grab your favorite beverage, sit on back and enjoy the show!
Paul Benson
Hi, I’m Paul. I help people like you gain choice in life through our proven Financial Autonomy framework.
My focus is on providing helpful and actionable information and advice so you can set effective goals, optimise your cash flow, develop an investment strategy, and stretch your entrepreneurial wings.I’m directly involved in the management of approximately $90million for my clients . I contribute articles to the likes of the Sydney Morning Herald, The Age, Entrepreneur.com, and have appeared on ABC Radio National’s Life Matters program.
Financial Autonomy
Financial Autonomy, by Melbourne financial planning expert Paul Benson is about money. But, unlike most money books, it's not focused on making you the richest person in your street, or worse, the richest person in the cemetery. Instead, the focus of this book is on gaining choice.
Have you ever listened to a guest on a radio program or a speaker at an event talking about some amazing experience they've had? Perhaps it was traveling through Tibet in a beaten-up Land Rover, sailing around the world, jumping out of planes in a wing suit, or starting a business or charity of their own, driven by a magnitude 10 passion to make an impact.
When you listened to these inspiring stories, did you ever wonder how they managed to organize their life so that it was possible? Do you wish you could organize your life to do what's important to you?
Financial Autonomy is a book about money but it's equally about gaining choice. If you get the money side of your life right, you will have the choice to pursue maximum happiness in all the other aspects of your life.
Personal finance expert Paul Benson believes there are three vehicles to create enough wealth to have the choices you desire are:
(1) Investing in shares;
(2) Investing in property; and
(3) Working for yourself (starting a side hustle or small business).
He explores these in detail, as well budgeting and saving - and as you'd expect, he gives readers a choice of strategies they can adopt to succeed in these areas.
BROKEN SHACKLES LAGER
A CRISP LAGER THAT EXHIBITS A BALANCE OF HOP NOTES WITH AN UNCOMPLICATED, CLEAN FINISH
TASTING NOTES
A crisp lager that exhibits a balance of subtle herbaceous hop notes with a refreshingly uncomplicated clean finish. Brewed using pale and munich malts combined with noble Hallertau Mittelfruh hops, this brew is a quality quencher.
THE STORY
James Squire fought his way to freedom, taking plenty of risks and finally breaking the shackles of his seven year sentence to set up Australia’s first brewery.
THIS EPISODE WAS PRESENTED BY Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Career and Employee Benefits with Amy Irvine
Welcome back Wine and Dime Listeners! In this episode we are talking about your career and employee benefits. I know that we’ve kinda covered this topic before, but a lot has changed in that last several months, and now is great time to make sure that we are still on track! So sit on back, grab your favorite beverage and don’t forget… “Life is about events, supported by your dollars and cents.”
THIS EPISODE WAS PRESENTED BY Amy Irvine
AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
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