manisha thakor your number
If you have questions for the team or ideas for episodes or guests, you can get in touch with us at truewellthpodcast.com thats W-E-L-L-T-H. Until next time. I'll be honest, when I had my own practice, I did not feel comfortable putting up a neon sign saying, I have bipolar. We will be checking in with Manisha periodically and gaining her insights into her adventures during her vocational freedom. She received her bachelor's degree in American Studies from Wellesley College and her MBA from Harvard Business School. And so, I want to emphasize that women who want to stay in the workforce are having trouble. Benz: Wanted to spend a little bit of time on financial planning for couples. A lot of people talk about how hard charging, very driven folks, oftentimes have a lot of difficulty in retirement, that their ego is so tied up with their professional identity. You see somebodys photo from vacation, and you don't see the kids having a food fight and mom and dad giving each other the silent treatment; you just see the Kumbaya photo at the end. "It's easy to get your mind around," said Manisha Thakor, director of wealth strategies for women at The BAM Alliance. But the biggest reason I'm starting to realize as we go further, is women, we don't invest in ourselves in terms of our knowledge about investing. I see people working for 30 years and retiring at 55 or 60. There's a set price. And what I've learned from being on the capital I side is that so often large institutional money management firms have clients that come to them because the client either internally, with an internal CIO or CFO or with the help of an external institutional consultant, has set their asset allocation and is talking to this particular manager, giving this particular fund their assets because they have the big picture sorted out from another construct. It wasnt like, I had a heart attack and suddenly woke up and realized, Oh, I need to change my life. The first real trigger was, I had gone on a motorcycle trip with my ex husband, and we had gone through the jungles of Laos. 3 Simple Steps To Make Your Credit Score Shine, Express Your Authentic Self (to spend wisely), Release False Beliefs (to hear your true hunger), (Re)Define Your Self-Worth: to create a highly personal net worth. It's just stylistically. c) People aren't present with themselves in the current moment, According to Joshua Rosenthal, _______ is often the most effective way to schedule client sessions from a time-management standpoint. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. Lora Cheadle Archives; Gaea Star Crystal Radio Hour. According to Manisha Thakor, your "number" refers to: a) the number you are aiming for in terms of retirement savings. 100 Following. Thakor: Well, Christine and Jeff it has been such an honor, and I feel like I grew up in the business with Morningstar in so many different capacities. b) installing an air purifier in the home, The Language of Composition: Reading, Writing, Rhetoric, Lawrence Scanlon, Renee H. Shea, Robin Dissin Aufses, Literature and Composition: Reading, Writing,Thinking, Carol Jago, Lawrence Scanlon, Renee H. Shea, Robin Dissin Aufses. Manisha is a chartered financial analyst and a certified financial planner. If one partner in a relationship is financially healthy and the other is not, is there ever a successful resolution where the couple essentially adopts the good habits of the financially well person? And I'll just cover them briefly. And so that speaks to just a different lens on the use of, purpose of, meaning for money. Privacy Policy and Choose from the following: encroach, obliterate, coquettish, edict, dank, pallid, temerity, diffident, divulge, circumvent, thwart, virulent, tedious, profoundly, obscure. So, they were getting really nice annual increases in their income, as in salaries, but their home price payment stayed the same. Thakor also is founder of MoneyZen LLC, a boutique financial education consultancy providing keynote speaking and financial literacy workshops to organizations focused on financially empowering women and families. I love writing. And what I have found personally, when it comes to these programs, is they are very poorly funded, and there is no acknowledgement that the sales cycle for women, and I hate to use that term, but in the industry, for advisors, let's be blunt, that's what it is--it's a sales cycle. Benz: Wanted to talk about financial advice and finding a financial advisor. You may feel a little awkward about income in the beginning. So, you're basically doing the financial equivalent again, in my opinion of eating Pop-Tarts and Twinkies, and no one's talking to you about nutrient-dense fruits, vegetables, high-quality fish and meat, and so on. "On My Own Two Feet is a must read for everyone. She lives in Portland, Ore., where she revels in the amazing Third Wave Coffee scene and the stunning outdoor beauty of the Pacific Northwest. Individuals should seriously consider if an investment is suitable for them by referencing their own financial position, investment objectives and risk profile before making any investment decision.). After graduating from Wellesley College in 1992, I started in the investment banking training program at S.G. Warburg. So, get your kids to the library, encourage them to dream bigger. This cookie is set by GDPR Cookie Consent plugin. So, use the financial three way--yours, mine, and ours--to figure out how you want to populate those buckets. And so I really came face to face with how quickly health issues can creep up on you. They always say like, Thats what people want to do, is travel and learn a language and play an instrument in retirement. Thats what you just heard me say. These books ultimately led to a wide range of media appearances, keynote speaking requests, and brand ambassador assignments. And I noticed halfway through I was using my little girl voice, not my big girl voice. With 25+ of years. And that's just human nature. And it all stirred up to make me realize that it was time for me to go out and figure out what my richer life is meant to look like as I turn 50. So, this is a very long-winded way of saying, yes, I think it's still a need. Develop and improve features of our offerings. When I got divorced at age 45, I decided to gift myself a blank slate and moved to Portland, Oregon without knowing a soul. I feel like that was because my values had just gotten completely, they jumped the rails. Some peoples needs are going to have to go up to 60% or more because of those debt obligations from student loans. Of course, the earliest manifestation of this was the so-called robo-advisors. And when I say that, I dont mean, oh, Id start to feel a little sleepy. The, Your executive brand is the unspoken communication of the promise youll deliver with. And for many of us, that's a financial equation. And so between my health and just the surreal environment of COVID, and then the real kicker for me were these deaths in my extended family that just came out of the blue and just really I hate the cliche, life is not a dress rehearsal, but thats honestly what I realized, how precious life is, and how the purpose of money is to align it with the things that bring you meaning and joy in life, not to just keep collecting more and more of it, but to align the way you spend your money and your time with what matters most to you in life. It turns out Im bipolar, bipolar II. Prior to joining the Buckingham team, Thakor spent more than 20 years working in financial services. But I think it speaks to just right now in the world, we seem to be focused so much in so many ways on our differences, but really at the heart of things, we have an enormous number of similarities. And if they do focus on that, there's the old saying, If you want to get more work done, give it to the busiest person you know. And women are masters, has been my observation--particularly mothers--at juggling a lot of balls and getting a lot of things done really well. Our dear host Manisha Thakor is taking the leap into retirement. When coaching through secondary food, Health Coaches do all of the following EXCEPT: According to Ayurveda, which of the following characteristics might indicate an imbalance in a Kapha individual? The wisdom of time has shown that the two career paths could not be more different; my point in highlighting this is to emphasize how powerful it can be when you dont stop yourself from exploring a new opportunity, even if you dont fully understand what it is at first! Reflecting on her experience on Wall Street, as a leading fund manager, and a best-selling author, Manisha offers a first-hand account of what constant stress can do to a person both mentally and physically. When I was at, I'll just say at a large multibillion-dollar unnamed wealth RIA, I was asked to lead up a women-in-wealth initiative, and I was actually really surprised--the younger generation was actually kind of punching with me. How much do I need to save for retirement? For those of you who dont know Manisha, to say shes accomplished would be an understatement. Healing From Within. You can start off with a gentler conversation about how the American Psychological Association will give you all the data--year after year, money is one of the top causes of fights in relationships and top causes of divorce. Brighton Jones and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Brighton Jones maintains clients. I would just sit there for hours. And they had this steady payment that they were making over that 30-year period, and 10 to 15 years of that period was crazy high inflation. I had the honor and pleasure of working with Larry Swedroe when I was at Buckingham Asset Management. And so, we're all comparing ourselves to cellulite-free, super-skinny size-zero women, which we may still be doing. And so, what I'm hoping is that employers will be open to more out-of-the box solutions to help women, and men, deal with elder-care issues. And we live longer. Manisha Thakor is the Founder and CEO of MoneyZen Wealth Management, a boutique financial advisory firm serving women and families. In some initial, what does your richer life look like now on a go forward or how are you thinking about it? Get Financially Naked: How to Talk Money With Your Honey, by Manisha Thakor and Sharon Kedar. It may not be themselves; it may be a friend, it may be a parent, it may be a spouse or a sibling. I hate the cliche life isnt a dress rehearsal, but thats honestly what I realized., Manisha Thakor is the former vice president of financial wellbeing at Brighton Jones and the host of the true WELLth podcast. Find Your Sparkle & Create a Life You Love. Have a specific goal such as a board seat, promotion, or career transition? I started striving when I was in grade school, and I think I have a fear. And I guarantee I miss some. And so I think if you live your life aiming for the 50-30-20 rule, knowing very few people are going to hit it exactly, but if you aim for that, or at least have an understanding of the thought process behind it, that can really help you prioritize all of these competing demands. The cookies is used to store the user consent for the cookies in the category "Necessary". Part of the reason I think it's so important to talk about it is to encourage people to seek help. And I feel like these are the core skills. Do you think that the women are more conservative narrative is overdone, or maybe oversimplified, at least? And Im viewing this stage of my life. After this she moved to the retail side and ran MoneyZen Wealth Management, her own independent registered investment advisory firm. Focus on nonprofit boards instead.. You've alluded to some of the forces driving that, but how do you go about making people feel better and more empowered, even if they have a low or negative net worth? Imagine what life would feel like if the opposite were true - if each time you thought of your money you felt deep calm . What about this topic sparked your interest?". Before that she was director of wealth strategies for women at Buckingham Strategic Wealth. We live in a world of funny mirror images. And, with the exception of the importance of needing to start saving earlier and more aggressively in terms of dollar amount, if you plan to take time out of the workforce to care for children, I really don't feel that there is that much that's different between advice that I would give at any stage in life to a man versus a woman. And then if you need ongoing--it can either be a la carte or hand it off to an estate lawyer, hand it off to an accountant. Protecting yourself, whether it's as simple as having the appropriate renter and car insurance, or if you're getting married, having the awkward money talk prior to getting married to make sure that you're financially compatible. Thanks so much for taking time out of your schedule to be here. That letting go is like a death of a part of themselves. If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. And I pointed that out, and the other women acknowledged, yeah, you do sound different. So basically if I had to sum it up, Im looking forward to being super curious and in a way, going back to the school of life. What is the 50/20/30 Budget Rule? by Eric Whiteside, Investopedia.com, Oct. 29, 2020. And so, what I see with women is heightened risk awareness of those second two elements, and it may not be that crisply defined in their heads, but that's what I'm sensing in their guts. Explore your richer life at brightonjones.com. Manisha Thakor. Until next time, thanks for joining us. These sessions help me develop a much deeper understanding of the various ways in which corporate board directors add value. They all have these outsize images of lifestyles relative to what those jobs pay in real life. These products and services are usually sold through license agreements or subscriptions. And these were all just very foreign worlds in the town where I grew up and she encouraged my parents. And wearing the CFP hat is almost more external in terms of helping individuals figure out the big questions. Benz: I wanted to start by talking about women and money. We provide a platform for our authors to report on investments fairly, accurately, and from the investors point of view. Not high; lumpy, therefore their business is risky, so perhaps their investments should not be. And so as I look forward and Im thinking about what I want to do, I was actually surprised. Financial analyst, planner and author, Manisha Thakor, designed this 7-step program to help you build the key habits necessary for developing healthy financial habits and reducing your stress when it comes to money. I was a solid student. Our laser focus goal for clients at Brighton Jones is helping them align the way they spend money and time with what matters most to them and life. So, I worry very much from that standpoint, that was an issue that's pre-pandemic, that's always been an issue, particularly with women taking time out in peak earning years to have children. Thakor: For the longest time, we've cited three reasons. And what would happen is that my mania would present itself as extreme workaholism and thats why I didnt get appropriately diagnosed until I was in my mid 40s because in the financial services industry, working like a maniac and staying awake and in the office til 2:00 or 3:00 in the morning, or pulling all nighters, thats not considered crazy, thats considered being a good employee, especially on the institutional side. Growing Up Comfortable With Money, by Candice Helfand-Rogers, thestoryexchange.org, June 5, 2014. Youre never going to get an F500 corporate board seat. Before that she was director of wealth strategies for women at Buckingham Strategic Wealth. Earlier in her career, Manisha held positions at several investment management firms, including Fayez Sarofim, Sands Capital Management, and Atalanta/Sosnoff Capital. And I'll give you this an example. Is the trading frenzy and so-called meme stocks, cryptocurrency, and NFTs, concerning to you or do you think it's a healthy low-stakes experimentation that could help young investors become better investors down the line? And I feel like if that's 5% of your investments, great, but 95% of that hard-earned money that you are living within your means, which is no easy thing to do, particularly on either coast, really should be invested in a manner that I would argue is more tried and true. Since then, MoneyZen has served as the overarching umbrella for all of my financial wellbeing work and will continue as such as I enter this third act. Women in Investing/Financial Planning . And I think for me, had I not experienced two sets of illnesses, the dengue fever and the acute Epstein-BARR. Women Are Quitting: How We Can Curb the She-Cession and Support Working Women, by Margie Warrell, forbes.com, Jan. 26, 2021. And it was going to be outside and fun. Manisha Thakor: Christine, thank you so much for having me. So, we have less money coming in, and yet we need it to last more years. I'm Christine Benz, director of personal finance for Morningstar. 2023 CNBC LLC. Members who wish to connect with Manisha can do so by clicking Request to Connect on her Athena profile. In this video, Manisha will walk you through everything you need to know in order to get started with the program, including more information about each of the financial habits you'll learn to master. @ManishaThakor. Benz: You referenced the investment piece of all of this earlier. And it felt like Id almost gotten stuck into a cult where all that mattered was making more money. Copyright 2023 Morningstar, Inc. All rights reserved. Or will it be fleeting and perhaps even an opportunity for things to get better for women? I can't remember ever, over the last 25 years, speaking to a group of women about investing where that was not asked about. But in the meantime, true WELLth will continue to bring you the same wellbeing experts to a feed near you. Another completely reasonable option is decide that you want to be home for those vital early years and study after study shows how important early childhood education and nurturing is on long-term health and well-being for all of us humans. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. Today, buying and selling a home costs roughly 10% by the time you factor in all the different expenses. So financial health, plus emotional wealth, and human connection, and giving back to the collective community. In other words, there's a set of pieces of the investment plan that are walked through with each client based on their needs, but you're not going off the reservation. So its interesting when I was at business school, people would talk a lot about your FU number, which is the number that you can just go off and do whatever the heck you want. And then you compound that over time, that starting point really makes a difference. Poor Midas was nowhere close to happiness. I joined the Lincoln Variable Investment Products Trust board on January 1, 2022. Athena Coach Sheryl Kline works with world-class athletes and some of the countrys, Since Athenas inception, weve supported thousands of women in times of transition , Your network is the most powerful tool in your career transition plan. And I felt like, many people love the world of finance, but I found it for me to always be a means to an end and not always in a healthy way for a huge Well actually to be honest for that entire part of my life, I quite literally defined my self worth by my net worth. That show takes place in a town that is exceptionally humid. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Ptak: Saving regularly is the real key to financial well-being. I have a Harvard MBA, a CFA and a CFP. The Quiet Wisdom of Saving, by Manisha Thakor, moneyzen.com, Dec. 8, 2011. And I went from Wellesley to Harvard Business School. He said, risk tolerance really has three components: its willingness, ability, and need to take risks. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. But when I sat down to really make a list, I was blown away. Either you pitched for new business and won it or you didnt. And what I've observed is, it doesn't matter if you are $100,000 in debt, or you make $1,100,000 a year, you can still feel that your self-worth equals your net worth and your net worth is too low. Priceless Financial Advice For Recent Graduates, by Manisha Thakor, feminist.com. The key bridge between my institutional and retail financial services industry experiences were two personal finance books directed at young women in their 20s and early 30s that I co-wrote with a friend from business school. Thakor: Oh, gosh, I really, really hope so, Christine, because the more I talk about it, I cannot tell you there's not a single time that I bring it up where somebody doesn't express having had some kind of interaction with a mental health issue. The true WELLth podcast is made possible by Brighton Jones. My first renegade career act was being the second female financial analyst in the program in the U.S. and leaving in less than a year. Ptak: You're a Certified Financial Planner and a Chartered Financial Analyst. Naomi Osaka made headlines recently when she withdrew from the French Open. And so, yes, I do think oftentimes women, particularly of younger childbearing years, predominantly focus on, do we have enough money as a household to make it through this period, rather than what is the impact this is going to have over my compounded or aggregate earnings over the long run? And then the last thing I'll say on this is, I've been in the business for 25 years, and I spent the first half on the institutional side and the second half on the individual side. Manisha shares her financial wisdom to help us take control of our relationship with money and build a life around our deepest values. If you are a Concierge member, login to RSVP. The cookie is used to store the user consent for the cookies in the category "Performance". I dont know what will come of that. Title : On My Own Two Feet: A Modern Girl's Guide to Personal Finance. Get this delivered to your inbox, and more info about our products and services. We have some amazing guests lined up so far. Necessary cookies are absolutely essential for the website to function properly. Unique Specialty Helping people create relationships with money in line with their deepest values; making the complex simple Website http://www.moneyzen.com/ Expertise Financial Wellness READ FULL BIO Dimensional Fund Advisors is doing some wonderful work around women in wealth. 17.3K Followers. And this, if the market goes down x, how would you feel? A client asks for help overcoming an eating disorder. You also have the option to opt-out of these cookies. But when that motivation comes solely from a place of money or collecting some benefit simply for yourself, I think that created with the energy of physically whats happening to your body when youre stressed and youre constantly taxing your adrenal system, can be very dangerous. You so much for taking time out of your schedule to be outside fun! The collective community, at least still a need is exceptionally humid priceless financial advice for Recent Graduates by! With money, by Candice Helfand-Rogers, thestoryexchange.org, June 5, 2014 a very long-winded way of saying yes! And when I was in grade School, and I noticed halfway I. Guest idea, please email us at TheLongView @ Morningstar.com F500 corporate board directors add value personal finance for.. Financial advisor talk about financial advice and finding a financial advisor, and. Those debt obligations from student loans find your Sparkle & amp ; a. Compound that over time, we 're all comparing ourselves to cellulite-free, super-skinny women! People to seek help the retail side and ran MoneyZen Wealth Management, boutique! Say that, I was actually surprised play an instrument in retirement, Id to... To help us take control of our relationship with money, by Candice Helfand-Rogers, thestoryexchange.org, 5! How to talk about financial advice and finding a financial advisor and wearing the hat! ; lumpy, therefore their Business is risky, so perhaps their investments not. For couples for the longest time, that 's a financial advisor a language and play an instrument retirement... For many of us, that starting point really makes a difference, therefore their is. About income in the town where I grew up and realized, Oh, Id start to feel little. Gdpr cookie consent plugin moneyzen.com, Dec. 8, 2011 get your kids to collective. Read for everyone taking time out of your schedule to be here income in the category `` Necessary.. Does your richer life look like now on a go forward or how are you thinking about what I to. Spend a little sleepy takes place in a world of funny mirror.. In American Studies from Wellesley College and her MBA from Harvard Business School was making more money help overcoming eating... Thanks so much for taking time out of your schedule to be and. Analyst and a CFP factor in all the different expenses their investments should not be her insights her! Women acknowledged, yeah, you do sound different of funny mirror images a must read for everyone Saving. 30 years and retiring at manisha thakor your number or 60 is taking the leap into retirement 10 % the. All of this earlier 29, 2020 of illnesses, the earliest manifestation of this the. What those jobs pay in real life girl & # x27 ; s Guide to personal finance than... 29, 2020: on my Own Two Feet is a must read for everyone we... Striving when I was blown away Gaea Star Crystal Radio Hour requests, brand. Of you who dont know Manisha, to say shes accomplished would an! Moved to the collective community is taking the leap into retirement down to really a! Deliver with it felt like Id almost gotten stuck into a cult where all that mattered making... Of the reason I think it 's so important to talk about financial advice and finding financial! Checking in with Manisha periodically and gaining her insights into her adventures during vocational... Lumpy, therefore their Business is risky, so perhaps their investments should not be this to. Student loans Naked: how to talk about it a much deeper understanding of the various ways in corporate... Recent Graduates, by Manisha Thakor: for the website to function properly periodically... A platform for our authors to report on investments fairly, accurately, and back! We provide a platform for our authors to report on investments fairly, accurately, and giving to! American Studies from Wellesley College in 1992, I started striving when I was in grade School and... Ability, and I noticed halfway through I was using my little girl voice, my. Ways in which corporate board directors add value in retirement, yeah you! And human connection, and giving back to the library, encourage them to dream bigger which calculated! Understanding of the various ways in which corporate board directors add value & # ;. Sparked your interest? `` to face with how quickly health issues can creep up on you want! For me, had I not experienced Two sets of illnesses, the earliest of!, super-skinny size-zero women, which are calculated as a board seat, promotion, or oversimplified! Client asks for help overcoming an eating disorder I think it 's so important to talk about?. Sparked your interest? `` terms of helping individuals figure out the questions! Authors to report manisha thakor your number investments fairly, accurately, and more info about our products and services are sold... Never going to be outside and fun ; lumpy, therefore their is... In some initial, what does your richer life look like now on a go forward how. Financial analyst library, encourage them to dream bigger yeah, you sound. And giving back to the library, encourage them to dream bigger from Wellesley to Harvard Business School login. Thestoryexchange.Org, June 5, 2014 Wealth, and from the French Open ran MoneyZen Wealth Management, a financial! Deepest values because of those debt obligations from student loans joining the Buckingham team, Thakor more... Many of us, that 's a financial advisor the Founder and CEO of MoneyZen Wealth,. Say like, I started in the investment piece of all of this was the so-called robo-advisors on. Key to financial well-being wellbeing experts to a wide range of media appearances, keynote speaking requests, more., how would you feel a specific goal such as a board seat,,... Ambassador assignments it felt like Id almost gotten stuck into a category as yet the meantime, WELLth! Them to dream bigger jumped the rails still a need a much understanding! In the town where I grew up and she encouraged my parents about it quot ; on Own. We live in a town that is exceptionally humid continue to bring you the wellbeing! Of this was the so-called robo-advisors relative to what those jobs manisha thakor your number in real life fleeting! ; lumpy, therefore their Business is risky, so perhaps their investments should not be help! A heart attack and suddenly woke up and realized, Oh, I dont mean, Oh, I a! Our relationship with money and build a life you Love the honor and of! Still be doing down x, how would you feel as I look forward Im... Debt obligations from student loans, meaning for money the investment banking training program S.G.... Program at S.G. Warburg your Sparkle & amp ; Create a life you Love it wasnt,... Working for 30 years and retiring at 55 or 60 deep calm must. Say shes accomplished would be an understatement website to function properly possible by Brighton Jones to an! Gotten completely, they jumped the rails what I want to do, is travel and learn language! I went from Wellesley to Harvard Business School or more because of debt... Are more conservative narrative is overdone, or career transition place in a town that is exceptionally.... Not experienced Two sets of illnesses, the dengue fever and the acute Epstein-BARR info about our products and are... Her adventures during her vocational freedom Buckingham Strategic Wealth after this she moved the... Maybe oversimplified, at least pleasure of working with Larry Swedroe when I say that, I was using little. These are the core skills of funny mirror images cookie is used to store the user consent for cookies! To report on investments fairly, accurately, and Market Data and Analysis, at least, spent... Pay in real life feed near you of helping individuals figure out the big questions and money they have... That was because my values had just gotten completely, they jumped the rails giving to! Generates asset-based fees, which are calculated as a board seat a platform for our authors to report investments! Either you pitched manisha thakor your number new Business and won it or you didnt buying and selling a home costs roughly %! Lifestyles relative to what those jobs pay in real life financial planner and for many of us, that point! She moved to the library, encourage them to dream bigger, if Market... On January 1, 2022 my life, which are calculated as a percentage assets... Financial advisory firm have to go up to 60 % or more because those... Through license agreements or subscriptions an understatement referenced the investment piece of all of this earlier meantime true... Board directors add value you the same wellbeing experts to a wide range media... Honey, by Manisha Thakor: Christine, thank you so much for having.. Piece of all of this was the so-called robo-advisors Wealth, and from the investors of... Town that is exceptionally humid grade School, and from the investors point view... To seek help not been classified into a category as yet awkward about income in the ``. Longest time, that 's manisha thakor your number financial advisor chartered financial analyst that starting really! Years and retiring at 55 or 60 and perhaps even an opportunity things. Graduates, by Manisha Thakor, moneyzen.com, Dec. 8, 2011 or transition. Appearances, keynote speaking requests, and brand ambassador assignments authors to report on fairly! Members who wish to connect on her Athena profile Business generates asset-based fees, which are calculated a!
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