Margaritas with Marguerita Cheng, CFP® Pro

Wealth Management EDGE, Sept. 14, 2023 — Reaching career heights and achieving client goals on the road to success is the mission for Marguerita Cheng, CFP® Pro. In this episode of the WealthManagement EDGE Podcast, special guest host Nabia Jenkins-Johnston talks one-on-one with Marguerita Cheng, CEO of Blue Ocean Global Wealth, about her path to success as a financial planner. Marguerita shares her insights on establishing trust, the power of authenticity, and her inclusive approach to working with clients from diverse backgrounds and multiple generations. Nabia and Marguerita discuss: Building credibility before entering the financial planning profession. The importance of authenticity and Inclusivity in creating judgment-free spaces for clients to discuss their financial situations openly. Early planning to secure financial futures for clients of all ages. Working with multi-generational families toward a life plan. Click here to listen to the podcast now!  Learn more: WealthManagement EDGE Podcast

August 11, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off learning from industry experts how to flex our financial muscles.  Meet our guest: Corey Beal, CEO and Director of Joy, at Empowering Finance Today’s Topic: Financial planning for the bold, the ambitious, and the badass Rita asks Corey:  How did you get into financial planning and what has your journey been like? What inspired you to start your own financial planning practice? What do you most enjoy about your career and what do you like the least? What makes you different than others in the financial planning field? What type of people are your dream clients? About our guest: Corey Beal is the CEO and Director of Joy at Empowering Finance. After more than a decade of experience in financial planning and wealth management, she decided to take the leap to launch her own firm so she could work with the bold, the ambitious, and the badasses of the world. Empowering Finance helped her finally chase her own rainbow—the goal of using her authenticity, financial knowledge, and a dash of glitter to connect with people and enable them to pursue their own passions and goals. Corey was the recipient of Investment News’ 40 Under 40 Award in 2022 and worked with clients nationwide, either on an hourly or flat-fee model. When she is not working with her amazing clients, she loves traveling, is obsessed with crystals, and always looking to try a new pop-up restaurant in sunny Portland, OR, where she currently resides. Learn more at empoweringfinance.com. Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

August 4, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Cary Carbonaro, author of The Money Queen’s Guide: For Women Who Want to Build Wealth and Banish Fear Today’s Topic: Top things women need to know about money Rita asks Cary:  What is your mission and Dharma? Why is your passion helping women? What should women be doing to protect their financial future? Tell us about your second book. What are the top things women need to know about money? About our guest: Cary Carbonaro is an award-winning Certified Financial Planner professional with over 25+ years of experience. She is a tireless advocate for women in the financial industry and is passionate about increasing financial literacy and empowering women to overcome any financial challenge they face. Before joining ACM Wealth, Ms. Carbonaro was Vice President, Head of Office at Goldman Sachs. At United Capital,  she founded and served as Head of Women’s Leadership.  She was a Managing Director,  Partner,  Voice of the Women, Finlife Coach,  Managing Director Most Valuable Player, and her financial planning practice was a Diamond office winner. She is a CFP® Board Ambassador and was appointed to represent the industry in the media. She is the 2016 recipient of the prestigious Investment News Women to Watch award and was ranked #4 on Investopedia’s Top 100 Financial Advisors list in 2019. She was listed in the Top 100 Investopedia in 2018-2020.  Her expertise is highly sought after, and she has offered commentary while appearing on both local and national television news outlets. Cary spearheads the establishment of the Women and Wealth division of ACM Wealth, which aims to provide women and families with strategic financial planning guidance and wealth management support to help them live the lives they want. She has spoken all over the world on financial literacy for women. Learn more at carycarbonaro.com. About the Money Queen’s Guide: Are you a material girl? The truth is that, as women, we all have a unique relationship with money. We strive for financial security to support our family, ensure we can retire comfortably, create independence separate from our partners, and buy some nice purses along the way. As much as we are motivated to make money, we often do not consider the crucial relationship between what we do today and how it WILL impact our life tomorrow. From your Roaring 20s to your Thrifty 30s and to your (hopefully) Smooth 60s, The Money Queen Guide will work to guide you through each of these financial decades and provide insight and detailed guidance into the steps you can take and the decision you should make to build a financially responsible future. Financial security is an exciting journey we can take together. So pack your purse and get ready for the ride. Click here to buy the book! Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

July 28, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Ashley Quamme, a Licensed Marriage and Family Therapist, Financial Behavioral Specialist®, and Certified Financial Therapist-Practitioner Today’s Topic: How couples can communicate better around money — and how they can create shared goals and meaning to create a life well lived.  About our guest: Ashley Quamme is a Licensed Marriage and Family Therapist, Financial Behavioral Specialist®, and Certified Financial Therapist-Practitioner. She is the owner of BAM Financial Consulting, where she provides fractional CFO services to financial advisors and firms, with a focus on improving the relational aspect both within the firm and with clients. In addition, she maintains a clinical practice, The Wealthy Marriage, where her focus is helping couples with financial relational problems. On the personal side, she is a wife and mother of 2. When not serving as an Uber driver for her kiddos, she is gardening or spending time on the lake. You can connect with her on Twitter, LinkedIn, or through her website www.bamfcc.com. Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

July 21, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend learning from industry experts how to flex our financial muscles.  Meet our guest: Christine Simone, co-founder of Caribou Today’s Topic: Wealth Management with a Healthcare Twist Rita asks Christine:  What brought you into the world of wealth management, given your background is in healthcare? How are you seeing retirees plan for future healthcare costs? What’re some tips or tricks when it comes to saving for or paying for healthcare that people need to know? What are key life events where people need to look at their healthcare costs and re-evaluate their costs and insurance options? What do you love most about the work you do? About our guest: Although she’s years away from her own retirement, Christine Simone is obsessed with helping current and future retirees plan for and optimize their healthcare costs. She’s held notable leadership positions within the healthcare industry, working with key stakeholders from payers to providers to the Veterans Affairs. Now, Christine is the CEO and co-founder of Caribou, a software solution for the finance industry. She’s driven by her passion for slashing hidden incentives in healthcare to support smarter financial decision-making, and she is within the small fraction of women founders who have raised venture capital. Click here to learn more about Christine’s company: CaribouWealth.com Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

June 14, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Risk Management specialist Terrell Joyner, Financial Advisor, Charter Oak Financial Today’s Topic: Risk Management for clients new to being in the high-net-worth category Rita asks Terrell: From women receiving a large inheritance to ensuring a financial legacy continues with the next generation, tell us about your clients and the situations they face You also help your clients work with their children so they can be prepared for an inheritance but not reliant on it. What advice do you give them? Risk management is your specialty. How do you respond if your clients say they have a risk management plan in place — but do their children have to worry about having their own plan? What happens when clients receive their inheritance at the height of their careers? Should they be concerned that the investment portfolio is going to cause tax inefficiencies in the plan?  What are some strategies for helping them mitigate this risk? About our guest: A Connecticut native and graduate of Western New England University and Springfield College, Terrell says he puts his passion at the forefront of his practice. He has helped numerous business owners find solutions to their financial concerns and implement strategies to grow their businesses. His personal planning practice focuses primarily on educators. As the spouse of a teacher and an adjunct professor at Elm’s College, Terrell understands the struggle teachers face balancing their workload and personal lives. Terrell believes that proper planning and understanding one’s goals can help to overcome financial restraints. As a member of the LGBT community and a founding member of the MA LGBT Chamber of Western Mass, Terrell is a champion for equality and social justice. His belief that the needs of his clients are best served through diverse perspectives and skill sets inspires him to teach minority- and women-owned business leaders how to run their businesses like true corporations. Terrell’s charitable interests are a direct reflection of his professional passion: He teaches financial literacy to both students and adults and serves on numerous boards and advisory committees. In his spare time, he loves to garden, golf, barbeque, and brew homemade wine. Learn more here: charteroakfinancial.com Disclaimer: The information provided today is not intended as specific tax or legal advice.  MassMutual, its employees and representatives are not authorized to give tax or legal advice.  Individuals are encouraged to seek advice from their own tax or legal counsel.  Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

A Note from Marguerita Cheng, CFP® Pro — We are thrilled to share with you Episode 100 for Margaritas with Marguerita! This show has been an amazing opportunity to share the stories and voices of so many financial experts, entrepreneurs, and authors with our audience. I know you are going to love the star of this important episode! Meet our guest: Sheena Yap Chen, author of “The Tao of Self Confidence: A Guide to Moving Beyond Trauma and Awakening the Leader Within” Today’s Topic: What is the Tao of Self-Confidence — and how can we all get it? Rita asks Sheena:  What is the Tao of Self-Confidence? What made you decide to write this book? Tell us about your background. Have you always been self-confident? What are 3 key things our audience can take away today to help them feel more confident? About our guest: Sheena Yap Chan is a keynote speaker, podcaster, consultant, and author on building self-confidence. She currently inspires women through her award-winning podcast called The Tao of Self-Confidence where she interviews Asian women about their inner journey to self-confidence. Her mission is to help Asian Women boost their confidence to live their authentic selves, help Asian Women create a voice in the world, and create a stronger representation for Asian women. Sheena has been featured on MindValley, slice.ca, Marketing in Asia, Manila Times and more. She is also the TOP 100 Filipinos to follow on LinkedIn for inspiration and learning in 2020. She is also the co-author of the International bestselling book Asian Women Who Boss Up. You can learn more about Sheena and connect with her on her website​​​​​​​, iTunes​​​​​​​, Spotify​​​​​​​ , and Stitcher​​​​​​​. Learn more at sheenayapchan.com. About the book: In 2021, women represented 54.3% of the US workforce but only held 35% of senior leadership positions. Of that percentage, only 2.7% of Asian women were seen in management roles. While there have been great leaps for women in the workplace in the last decade, women of color still fall behind. The Tao of Self-Confidence book sets a foundation to help Asian Women start being seen as leaders in work and life rather than by our stereotypes. In order to move forward with true confidence, we must learn the lessons our challenges have taught us and heal our trauma. With an honest and vulnerable approach, Yap Chan discusses and explores the specific challenges our community faces, historically and now in the midst of the pandemic, intergenerational and historical trauma, false stories we tell ourselves, and how we can rise above stereotypes. We’ll tap into our inner joy, celebrate our authentic self, and awaken the leader within. Click here to order your copy of the book! Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

June 30, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend off by learning from industry experts how to flex our financial and entrepreneurial muscles.  Meet our guests: Julia Taylor Brandus, 11, author of “Girl to Boss!” — and her dad, award-winning journalist and author Paul Brandus  Today’s Topic: The journey from “Girl to Boss:” How this daughter-father team made a dream come true Julia Taylor Brandus, author, “Girl to Boss!: Advice for Girls from 50 of America’s Most Successful Women” Rita asks Julia and Paul:  Tell me about Girl to Boss! Who should read this book? You also have some interesting data about women in the workforce. This was one of your motivations behind writing the book. Can you explain? You’re working with a charity too. Tell me about that! How can girls — and Moms and Dads — learn more about this incredible project? Click here to pre-order the book: Available September 2023! About our guests:  Julia Taylor Brandus, 11, is a sixth grader in Virginia. She plays basketball and soccer, reads, and is learning to play the bass. She lives with her mom, dad, and Poppy the Corgi. This is her first book. Paul Brandus, award-winning journalist and author Paul Brandus is an author, columnist, keynote speaker, broadcaster, and podcaster. A speaker at seven presidential libraries and various organizations in the United States and Europe, he has been a member of the White House press corps and White House Correspondents Association since 2008. He founded the widely-followed West Wing Reports ® (Twitter: @WestWingReport) news service, is a business columnist for Dow Jones/MarketWatch, and is the Washington bureau chief for Evergreen Podcasts. He has written five books on presidential and military history and a biography of Jacqueline Kennedy between her two marriages. He is working on a new book – Silicon Prairie – which focuses on America’s so-called Rust Belt Renaissance. His three podcasts for Evergreen have won gold or silver Muse awards. Paul has spoken at schools such as the Columbia University Graduate School of Journalism, served as Executive-in-Residence at Washington & Lee University, and has appeared on NBC’s Today Show, CNN, PBS, CSPAN, the British Broadcasting Corp., Canadian Broadcasting Corp., and others. He served on the Board of Governors of the Overseas Press Club of America as its Washington, D.C. representative. He previously worked at NBC News and CNBC and worked for five years in Moscow. He is also an early-stage venture capital investor and, as an entrepreneur, once purchased the Russian rights to the Super Bowl from the National Football League – becoming the first person to show the game in Russia. Learn more at paulbrandus.com. And click here to learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

June 23, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday, we start the weekend learning from industry experts how to flex our financial muscles.  Meet our guest: Robert Pagliarini, author, Badass Retirement Today’s Topic: What is a Badass Retirement? Rita asks Robert:  A Badass Retirement sounds interesting. What is it? I loved your Instagram post about retirees don’t need to be bubble-wrapped. I noticed you post a lot about how the culture and the media portray older people badly. What do you mean by that? You say retirees have one job in retirement. What is it? Sometimes I see you in posts with a shirt that says “Retirement is not the finish line.” Can you talk about that more?  We often hear about “safe spaces”, but you recommend creating an “unsafe space” in retirement. Why?  Why do you think adventure is so important for retirees? About our guest: Robert has a Ph.D. in retirement planning and is a Certified Financial Planner. He’s been working with retirees for nearly 30 years. He’s written five books and his most recent is Badass Retirement: Shatter the Retirement Myth & Live with More Meaning, Money, and Adventure. Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

June 2, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week’s episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday we start the weekend off by learning from industry experts how to flex our financial muscles.  Meet our guest: Liz Simmie, Co-Founder, Honeytree Investment Management Our Topic: Everything you need to know about ESG (Environmental, Social, and Corporate Governance) Rita asks Liz:  What is ESG? Why are investors interested in investing in ESG and impact-related products? Is ESG political? How is ESG data being standardized? What are the options available for investors looking to invest in ESG products? About our guest: Liz co-founded Honeytree Investment Management, an asset management firm focused on responsible growth based in Toronto. Together with the team, she manages Honeytree’s concentrated active investment strategies for institutional and private clients.  Honeytree believes what is traditionally seen as ‘ESG’ data is just as important to assessing a company’s long-term growth and risk as traditional fundamental data – and we integrate them both equally in our investment process.  We are proud to be one of the handful of women-led responsible asset management firms globally leading the conversation.  Prior to founding Honeytree, she worked at Bristol Gate Capital Partners, a leading active management firm, and before that, she worked in quantitative market research for Ipsos. Liz has BA in Economic Statistics and History. Liz lives with her husband and three kids in Toronto. Learn more: honeytreeinvest.com Learn more about our host at MargueritaCheng.com • Don’t miss a single podcast: MargueritaChengRadio.com• Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

May 26, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off learning from industry experts how to flex our financial muscles.  Meet our guest: Jeff Weiss, CMT Today's Topic: Relationship Investing — Stock Market Therapy for Your Money Rita asks Jeff: Why did you write your book, Relationship Investing – Stock Market Therapy For Your Money What are a few investment rules that you live by? Are there any investments don’t’ s that you adhere to? What are some non-monetary factors you consider when investing? Is there one key lesson you’ve learned after five decades of investing? About this week's guest: Ordinary has never been used to describe one of Jeff Weiss’ motivational stock market presentations. His goal is nothing less than to provide you with a stock market roadmap for the rest of your investment lifetime. Attendees to his dynamic, informative, and entertaining stock market talks have described Jeff’s presentations as charismatic, exciting, inspiring, extraordinary, unique, tremendous, funny, upbeat, and energetic. “Jeff’s enthusiasm is contagious!” remarked one. Jeff knows of no other way to speak to and communicate with people than with his entire self. Openness and sincerity have been his trademarks and are well-known and respected in investment circles. “Genuine” is often a word used to describe an encounter with him. What really motivates Jeff is his non-stop desire to help investors learn from his investment miscues so that others can be spared those very same costly lessons with their own hard-earned dollars. That’s because, as Jeff likes to say, “In this business, by the time you become smart you can also be broke!" That’s what drives him. He really does care. He also considers what he does a payback – to the many folks who gave their time, knowledge, and encouragement to him as a kid – beginning with his dad. Click here to read all about Jeff's Journey at weissspeaks.com. Learn more about our host: MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers! JEFFSTREET, LLC note: All the information discussed and presented is for general information purposes only, and the content is the speaker’s intellectual property. Please consult with your financial advisor, accountant, or other competent and trusted financial professional if specific expert assistance is required based on your individual situation. Under no circumstance is the information presented considered an offer to buy or sell, or a solicitation to buy or sell, any particular security or index or employ any specific investing strategy.

May 19, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off learning from industry experts how to flex our financial muscles.  Meet our guest: Credit score expert Paul Ryan Today's Topic: Taking the mystery out of credit scores and credit histories Rita asks Paul: Can you explain what credit scores are? Why are credit scores and credit histories important? What are the credit score ranges, and what are some ways to establish credit? What are some ways to protect your credit files/history? What are immediate actions to take? About this week's guest: Paul Ryan is a management consultant, corporate trainer, and author. His professional background, and personal passion, include education as both a recipient and an information provider. He has a Bachelor of Science degree in business management and has obtained several professional certifications. He is also a member of an advisory board of a Florida university. For years Paul was an instructor for Junior Achievement (JA) K12 school programs. In his JA classes, he taught students about business and how to manage money as well as interviewing skills. He is a mentor for students at his alma mater providing guidance on steps to take in college to prepare them for their post-graduation lives. Paul is a native of Washington DC and resides in South Florida. Learn more at creditscoresexpert.com Connect with Paul on social media: LinkedIn Facebook Learn more about our host: MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv Cheers!

May 12, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off learning from industry experts how to flex our financial muscles.  Meet our guest: Ben Miller, founder of ChroniFI Today's Topic: Money is Time Rita asks Ben: Why should people think about their money in terms of time? What role does simplicity play in personal finances? What does ChroniFI do to help people make better decisions? Why did you start your company? Why is behavior such an important part of the realm of financial planning? About our Guest: Ben says, "I built ChroniFI to help people simplify their finances to make choices aligned with their goals confidently. This platform is based on the tools I used to convince myself it was time to stop chasing money and start making meaning. ChroniFI makes the complex simple by allowing you to see your entire financial picture in one place and, more importantly, to understand what it all means. With that information in hand, you can pursue a path to financial independence that you can enjoy every step of the way. My ultimate goal is to help people live their most fulfilling lives and place meaning over money on their way to financial freedom. Please join me!" Learn more at ChroniFI.com. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

May 5: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off learning from industry experts how to flex our financial muscles.  Meet our guest: Liz Davidson, founder and CEO of Financial Finesse Today's Topic: Becoming Money Strong Rita asks Liz:  April was Financial Literacy Month, but at Margaritas with Marguerita, we celebrate it year-round — tell our audience what it means to you to be “financially well?” Where do you see the value in financial coaching? How can financial coaching help people prepare for anything life throws? Your company works mainly with employers and employees, including professional sports associations. But you recently launched a program to support college athletes, who have been given the opportunity to make money from NIL deals in the last two years. What does financial success look like for this next generation? You recently released your second book, Money Strong, which provides comprehensive advice for individuals to achieve their short-term and long-term financial goals. What would you say is your new book's number one piece of advice? What advice from your book could listeners start implementing right now to bring them one step closer to financial freedom? About our guest: Liz Davidson is the founder and CEO of Financial Finesse, the country’s leading independent provider of financial wellness coaching. A bestselling author, her new book Money Strong: Your Guide to a Life Free of Financial Worries hit shelves on February 28, 2023. "The book distills my 24 years of experience in helping Americans of all walks of life achieve financial freedom," explains Liz, who disrupted the financial services industry in 1999 with holistic financial wellness and has consistently maintained her company’s dominance in the field since. More than 1.5 million users—employees at Fortune 500 leaders like General Mills, Nestle, and the NFL Players Association—agree that Financial Finesse services have changed their lives for the better. With Money Strong, Liz makes her proven framework available to the wider public. Liz and Financial Finesse are also working on NIL Long Game, a digital financial literacy course for college athletes who can now earn money with their name, image, and likeness (NIL). The digital platform is bridging the financial literacy gap and equipping college athletes with the tools to maximize their endorsement deals, prepare for the future, and navigate financially uncertain times. While other courses currently exist on the market, none are as comprehensive as NIL Long Game—nor are they free of cost to colleges, universities, and student-athletes. The platform is launching on March 7 with support from Carl Nassib of the Tampa Bay Buccaneers, former NFL player J.R. Tolver, and other exciting names at the nexus of sports and education. Learn more at FinancialFinesse.com. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

April 28, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off right by learning from industry experts how to flex our financial muscles.  Meet our guest: Dorrit Lowsen, Co-CEO of Change Finance, PBC Today's Topic: Understanding the impact investing equation Rita asks Dorrit: What inspired you to create your company, Change Finance, and what does the name mean to you? What is active ownership, and why is it important? What are some of the major issues active shareholders are working on now? What are some successes? How can ordinary investors be active owners? Why are we hearing so much backlash against ESG? Is there any truth to it? About our guest: Dorrit Lowsen has more than 20 years of professional experience across various industries, including IT, environment, and finance, and a range of modalities, including Fortune 500, start-up, government, and non-profit. Following a decade-long international career as a technology leader, Dorrit joined Agora Partnerships as COO, overseeing the development of the first accelerator program to channel investment capital to impact-driven companies in Latin America. She went on to produce award-winning work on energy and environmental policy at the U.S. Embassy in Beijing during the preparation for the Paris Climate Agreement before returning to the U.S. to join Change Finance’s founding team. Dorrit has participated in all sides of the impact investing equation – as an entrepreneur, investor in multiple deals, and facilitator through her work at Agora Partnerships. She holds an MBA from New York University’s Stern School of Business, an MS in Computer Science from the University of California at Santa Cruz, and a BA from Haverford College. Learn more at change-finance.com. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

April 21, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off right by learning from industry experts how to flex our financial muscles.  Meet our guest: Author Kanchan Bhaskar Today's Topic: Leaving — How to set yourself free from an abusive marriage Rita asks Kanchan:  Tell us about your heroic story of leaving your abusive marriage. What kept you from leaving sooner? And why is this often the worst question someone can ask a woman struggling with this decision? What is your advice to other women in this situation? What can others do to support a woman coping with abuse? You got divorced 20 years ago. What have you been doing these last two decades? And what are your plans for the future? How can people connect with you to discuss this topic with their friends and have you speak at their events? About our guest: Raised by two loving parents in New Delhi, India, Kanchan Bhaskar has always been taught that marriage means companionship, tenderness, and mutual respect—so when she enters into an arranged marriage, this is the kind of partnership she anticipates with her new, seemingly wonderful, husband. But after they marry, she quickly discovers that his warmth is deceptive—that the man beneath the bright, charming façade is actually a narcissistic, alcoholic, and violent man. Trapped in a nightmare, Kanchan pleads with her husband to seek help for his issues, but he refuses. Meanwhile, Indian law is not on her side, and as the years pass, she finds herself with three children to protect—three children she fears she will lose custody of if she leaves. Almost overnight, she finds herself transformed into a tigress who will do whatever it takes to protect her cubs, and she becomes determined to free them from their toxic father. But it’s not until many years later, when the family of five moves from India to the United States, that Kanchan is presented with a real opportunity to leave him—and she takes it. Chronicling Kanchan’s gradual climb out of the abyss, little by little, day by day, Leaving is the empowering story of how—buoyed by her deep faith in a higher power and single-minded in her determination to protect her children best—she fought relentlessly to build a ramp toward freedom from her abuser. In this memoir, Kanchan clearly lays out the tools and methods she utilized in her pursuit of liberation—and reveals how belief in self and belief in the Universe can be not only weapons of escape but also beautiful foundations for a triumphant, purpose-driven life. Learn more: kanchanbhaskar.com Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

April 14, 2023: Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off right by learning from industry experts how to flex our financial muscles.  Meet our guest: Rose Bakewell, founder of Mrs. Bakewell's Cream Tea Company Today's Topic: An entrepreneur's journey to bring British cream tea to America Rita asks Rose:  Tell us about Mrs. Bakewell's and what cream tea is. What do you want to achieve by providing Mrs. Bakewell's to the public? What lessons have you learned during your entrepreneurial journey? Where can we order cream tea boxes? Tell us about your children's books! You are famous for your Garden Parties. Tell us about those and how we can attend! About our guest: Rose Bakewell’s love of England, British history, and baking ultimately led her to be the founder of the first and only Cream Tea Company in the US — Mrs. Bakewell’s. Enthralled with British culture and wanting authentic British foods but unable to find any in the states, she brought England to her home, where she turned her kitchen into her own British restaurant and tea room. Without making them herself, there was no way to try foods such as Yorkshire pudding, Victoria sandwiches, or clotted cream. Having thrown more tea parties in her time than she could remember, she realized there was always an occasion where having tea was just the answer and believed life has few pleasures quite as splendid as afternoon tea. Rose was also chosen to be a contestant on the American version of "The Great British Bake Off," called "The Great American Baking Show," thanks to her love for developing recipes. Mrs. Bakewell's mission is to bring the joy of cream tea to America. This ritual is a welcome break from a hectic day and so much more than dainty little scones and tea but a lifestyle filled with manners and etiquette, leading to better communication and relations with people. She hopes that by sharing Mrs. Bakewell's Cream Tea, people can create memories and traditions that nurture much-needed and well-deserved pause during the commotions of life. Learn more about Rose, and order your tea party here: mrsbakewells.com Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

April 7, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes, we learn from industry experts how to flex our financiåal muscles. Meet our guest: Michael Hakerem, founder of Empowered Portfolios® and Glenwood Financial Partners Today's topic: The importance of being a client advocate Rita asks Michael: What inspired you to pursue your career or passion? What has been the biggest challenge you have faced in your work, and how did you overcome it? Can you share a success story or accomplishment you are particularly proud of? What advice do you have for others interested in pursuing a similar career or passion? Can you tell us about any upcoming projects or events you are excited about? About our guest: Michael Hakerem is a founder of Empowered Portfolios® and Glenwood Financial Partners. He has nearly 30 years of experience in private wealth management and custom portfolio design and has built award-winning financial technologies for securities research and portfolio management. As a client advocate, Michael is passionate about shaping a trustworthy, forward-thinking financial industry through client-centric stewardship and education. Michael is proud to be a new board member of TLC, formerly the Tammy Lynn Center. It was founded in 1969 by parents who wanted to improve the local options for children with intellectual and developmental disabilities. Today TLC’s work benefits children, adults, and families through a diverse range of on-site and community-based programs, including educational services, respite care, early childhood intervention, autism therapies, community living support, and residential living. Learn more at www.nctlc.org. Follow @MichaelHakerem on Twitter and LinkedIn, where he highlights a useful tidbit now and then. Learn more at: GlenwoodFP.com and EmpoweredPortfolios.com. Learn more about Marguerita Cheng, CFP® Pro: MargueritaCheng.com • Listen to Rita's radio show, Margaritas with Marguerita, on her podcast channel: MargueritaChengRadio.com • Watch all of the show's video episodes on Rita's YouTube channel: www.MargueritaCheng.tv

March 31, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off learning from industry experts how to flex our financial muscles. Meet our guest: Michelle Aronson, founder, Physics at Work Today's Topic: Be a better leader. Build a better workplace. Rita asks Michelle: Some listeners may be wondering what HR has to do with financial planning. Tell us about that. Do you have tips + advice for a salary negotiation? And maybe a story to share where this was done well? How much does annual salary matter in terms long term Financial Planning or success? What other things can listeners negotiate other than salary? What’s next for you, and where can people find you? About our guest: Michelle’s career path has taken her on a twenty-year-progressive journey through strategic Human Resources from a recruiter to a People Experience Officer and onto a consultant, executive coach, graduate school professor, and host of the True Stories at Work podcast. Michelle’s company, Physics at Work, partners with companies to align their people to the business strategy, focusing on innovation, impact, and outcomes. She also works with leaders to develop their personal and professional growth capacity through leadership coaching and advising. During her career, Michelle explored every functional area of Human Resources as she developed a passion for shaping company culture and building better workforces. She has taken improv and standup comedy classes and knows learning and leading should be collaborative and fun. Michelle hosts the True Stories at Work podcast, where she shares the best things about working in Human Resources: the people, the stories, and the real things that happen at work that you never knew about workplace confessions! Learn more: physicsatwork.com Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!

March 24, 2023: A Note from Marguerita Cheng, CFP® Pro — I invite you to tune in for this week's episode of my podcast and video show, Margaritas with Marguerita, where for 15 minutes each Friday at Happy Hour, we start the weekend off right learning from industry experts how to flex our financial muscles.  Meet our guest: Dr. Megan McCoy, Ph.D., LMFT Today's Topic: The Power of Financial Therapy Rita asks Megan: How did you end up with a focus on financial therapy? What kind of courses do you teach at KState? What articles have you published recently that you are especially proud of? Do you have any current projects in the works? If you had funding for a dream research project, what would it be? About Dr. Megan McCoy: Megan is an Assistant Professor at Kansas State University’s personal financial planning program. She teaches courses at the undergraduate, master's, and doctoral levels focused on financial well-being, financial therapy, and couple dynamics regarding financial therapy. She holds a B.A. in Psychology, an M.A. in Marriage and Family Therapy, and a Ph.D. in Human Development and Family Science with an emphasis on Marriage and Family Therapy. She is a licensed Marriage and Family Therapist, an Accredited Financial Counselor®, and a Certified Financial Therapist-I™. During her doctoral program, Megan developed a specialization in financial therapy and client psychology. She worked with clients alongside financial planning students to treat their financial well-being together. Observing and learning from financial planners’ work with clients enabled her to gain more insights into the psychology of financial planning. She volunteers on the Financial Therapy Association's Board of Directors and is the co-editor of the Financial Planning Review. She was also a guest editor on a special issue on finances for Contemporary Family Therapy. Megan's research interests focus on financial therapy, financial well-being, financial communication, diversity, equity, and inclusion. She has published over 40 articles in top-tier mental health, family science, financial counseling, and financial planning journals. This year her research has won her research awards through the National Council of Family Relations and Financial Therapy Association. Megan has been awarded grants from the Financial Planning Association, the National Endowment for Financial Education, and FP Canada to continue research in this area. She has been featured as a financial well-being expert on the Today Show, NPR, BBC, the Wall Street Journal, and many other media outlets. Learn more about our host at MargueritaCheng.com • Don't miss a single podcast: MargueritaChengRadio.com • Watch all of our TV episodes: MargueritaCheng.tv! Cheers!