Is this thing on? 🎙️

Or, Women's Retirement Radio lives again...

Good morning,

I’m excited to announce the relaunch of my Women’s Retirement Radio podcast. 📻

The last episode I published was in July of last year.

That is, until the morning of Monday, May 24th, when I published episode #17 which is my conversation with Barbara Bates Sedoric about her LastingMatters organizer and her thoughts on estate planning and retirement.

👉 Give it a listen here 🎧

My plan is to publish another episode every other Monday going forward, so be sure to subscribe in your preferred podcast app, or look out for updates here in my weekly email letter.

And if you have any suggestions for future podcast topics or interesting guests, please let me know.

I’m having fun with the podcast as I talk to interesting people, and hope you’ll join me for the journey.


As many of your know, I started my career with Merrill Lynch back in 1993.

This was before widespread use of desktop PCs. 🖥️

Laptops weren’t really a thing yet. 💻

And the iPhone (and mobile phones in general) weren’t even a gleam in Steve Jobs’ eye. 📱

Needless to say, Caller ID wasn’t on every phone back then either.

Which meant it wasn’t surprising if someone called you at home during dinner to ask if you’d be interested in a Georgia tax-free bond…

In fact, for a few years there (starting in ‘93), that “someone” might have been me.

Yep, that’s right.

For what seemed like forever, but was really only the first few years of my life as a financial advisor, I would cold call businesses during the day.

And in the evenings and on Saturdays, I would cold call people at home.

Often interrupting their dinner or family time.

I got hung up on a lot.

I learned some new expletives too.

As you might guess, I don’t miss those days at all.

But, I did find it interesting - and maybe even a little bittersweet - to see this announcement from Merrill Lynch a few days ago.

Basically, they’ve banned cold calling among their rookie advisors.

But lest you think this was a purely benevolent move by Merrill, they reason that with mobile phones and Caller ID, cold calling is increasingly ineffective.

Instead, they’ve unleashed their trainees to send cold Linkedin DMs to unsuspecting strangers.

So while I invite you to connect with me on Linkedin (and promise no cold DMs as a result), you might want to be a little more wary of your Linkedin messages in the future. 😉

There could be some eager, young brokers lurking in there trying to drum up business.

Decisions Aren’t Hard

Really loved this short post from Jason Fried about decision making.

As Jason points out - and I agree - decisions are easy.

It’s the results or outcomes… that’s what can get tricky.

Or feel uncomfortable.

Or leave us wondering “what the hell was I thinking?”

You don’t have to read much of my writing to quickly pickup on my fascination with decision making, especially when it comes to money.

Just remember there are very few, if any, decisions you need to make around your money that you can’t adjust in the future.

Rarely does your money or your financial plan require irrevocable choices.

Or as Jason says,

The best thing about decisions? You can always make another one…

And… Action! 📹

I’ve got an itch to create a video or two to illustrate and explain some fundamental concepts in financial planning.

I may start with risk.

Or at least how most financial advisor and investment managers measure and think about risk.

Stay tuned for that…

But I’d also like to know if there’s a specific money topic you’d like me to talk about or explain with a visual or two that might come across better via video than the written word…

So please hit reply and let me know the ONE thing that’s been on your mind or you’ve had questions about when it comes to your money.

I’ll get the camera rolling and take it from here.

Thank you, as always, for reading.

Until next Wednesday,


Retirement Planning for Women

Postscript: Elizabeth I recently spent a wonderful week in Turks & Caicos for our anniversary. The weather was perfect and we found a nice balance between doing some fun things like snorkeling and also doing plenty of nothing. With the warm beach weather right around the corner, here’s a fun indie tune from Family of the Year. It’s called “St. Croix” and the video is as entertaining as the song. 🎵

Why indie music? Please read the Postscript of Issue #2 for context.