WomenShare

“At the end of the day, you're asking somebody to trust you with your money. But in reality, there is so much commonality. Putting your authentic self out there and getting people to know who you are to build that relationship is going to have a bigger impact for you in the long run.” — Michelle BorkowskiWelcome to WomenShare, a celebration of women in financial services. In this episode, hosts Joanna Ehresman and Leah Alter sit down with Michelle Borkowski, Head of Marketing at F2 Strategy, to explore the evolving intersection of human connection, brand storytelling, and innovation in the finance industry.Michelle brings to the table more than a decade of leadership in financial services marketing, with a career that spans architecture, nonprofit, and strategic creative direction. Her unique blend of creativity and industry insight makes this episode a must-listen for professionals who want to elevate their brands while maintaining deep, purpose-driven client relationships.This episode dives into how the most successful financial firms establish lasting brand loyalty—not just through superior services, but by expressing authentic values and forging genuine human connections. Michelle explores the power of authenticity in a highly regulated industry, the creativity that flourishes within constraints, and the increasingly crucial role of alignment between client and adviser values.From her own unexpected journey into financial marketing to current trends in technology-driven strategy, Michelle gives listeners an insider look at what it takes to build powerful brands in finance today. She also shares tactical insights into when firms should bring in external experts, how to leverage proprietary research, and the delicate balance between data-driven decisions and instinctive creativity.Key Takeaways1. Authenticity Trumps Uniformity in Financial MarketingMichelle underscores that, despite a crowded industry where offerings often appear similar, genuine human connection and personal storytelling create differentiation. She advocates for brands to “lead with the need” and focus on showing empathy and alignment with clients’ life goals—not just selling solutions. This authenticity, she explains, is especially resonant with younger, values-driven investors.2. Creativity Thrives with ConstraintsFor marketers and firms navigating heavy regulations, Michelle reframes limits as fertile ground for problem-solving and innovation. “You have the puzzle or, like, the sandbox, and you've got to make it work within the confinements of what you have. And I think that's where people produce their best work too.” By embracing these creative constraints, marketers can unlock truly distinct and effective campaigns.3. Relationship Building Is Central to Brand LoyaltyThe most enduring brands in financial services are rooted in strong relationships and mutual trust. Michelle shares how her passion for partnership has shaped her own career and why, across the industry, relationship-based marketing generates far greater impact than transactional approaches.4. Brand, Technology, and Insights Must Work in ConcertMichelle discusses F2 Strategy’s philosophy of integrating brand narrative with technology and actionable insights. Client experience—both external (such as user interfaces) and internal (adviser workflow efficiencies)—is a core part of brand delivery. Furthermore, leveraging data and proprietary research ensures that marketing strategies remain responsive to evolving client needs and industry trends.5. Data-Informed Decisions Enhance, Not Replace, Human InstinctRegularly reviewing data on campaign performance and client engagement is crucial, but Michelle advises firms to avoid knee-jerk reactions to short-term fluctuations. Instead, a...

"I really love the idea of taking down the barrier that keeps people from getting to what we all need, and that's financial health and well-being." – Dr. Lisa ToppinWelcome back to WomenShare, a celebration of women in financial services. In this episode, we had the privilege of talking with Dr. Lisa Toppin, a prominent figure in the HR and diversity landscape, who is currently redefining workforce strategies at the Carson Group. With her extensive experience in leadership roles at firms like Illumina and Charles Schwab, and as a fractional Chief People Officer, Dr. Toppin brings unmatched insight into how diversity can shape the future of financial services.Dr. Toppin opens up about Carson Group's progressive research focused on women in wealth management, aimed at understanding their pathways to success. The initiative is set to launch findings in the second quarter, promising to shed light on effective strategies and inspire women advisors.This conversation extends into broader themes across multiple industries, highlighting mentorship, sponsorship, and how shared experiences can dismantle barriers for women. Dr. Toppin shares her personal journey in navigating the financial world as a Black woman, observing the positive shifts in inclusivity, while also pinpointing areas needing further work. Her optimism and actionable insights offer a roadmap for cultivating a more supportive and diverse environment in wealth management.Key takeaways:Research-Driven Support for Women: Dr. Toppin discusses Carson Group's commitment to understanding women's experiences in financial advisement to provide better support and pathways for success. The forthcoming report promises new insights into creating successful advisory practices for women.Mentorship and Community Building: The episode underscores the importance of mentorship and community among women in financial services. Dr. Toppin emphasizes that candid discussions can challenge and change industry norms, enhancing growth opportunities for women.Cultural Sensitivity in Client Relations: Dr. Toppin highlights the importance of understanding diverse client backgrounds and tailoring financial advice to fit cultural and individual needs, fostering trust and building long-lasting client relationships.Strategic Industry Positioning: With an imminent adviser shortage and a diversifying client base, Dr. Toppin's role at Carson Group exemplifies how firms can strategically position themselves for sustainable growth through inclusivity and proactive HR practices.Optimism in Diversity: Despite the challenges faced, Dr. Toppin remains optimistic about the evolving landscape of financial services. Her message is one of encouragement and action—enabling women to rise, mentor each other, and forge paths through traditionally male-dominated spaces.Dr. Lisa Toppin is not just shaping the future of Carson Group but also inspiring women across financial services to break barriers and lead with empathy and expertise. Her approach demonstrates the power of inclusivity and strategic empowerment, setting a benchmark for the industry as a whole. Join us for this deep dive into the intricacies of diversity, support systems, and career growth for women in finance.

"Surely, by now, we should be teaching people it's your career to run. You are the CEO of your life and career."Welcome to WomenShare, a celebration of women in financial services. In this episode, co-hosts Leah Alter and Joanna Ehresman sit down with Liz Ryan, CEO and founder of Human Workplace, to discuss transformative shifts in career dynamics and Human Resource practices. Liz, recognized globally for her forward-thinking approach to work and career management, invites listeners to rethink the paradigms of employment, career growth, and personal empowerment.In this conversation, Liz shares her journey from opera student to HR executive, highlighting how her diverse experiences shaped her pioneering outlook on career treks. With over 3 million members in the Human Workplace movement, Liz is championing a work-life evolution where individuals are encouraged to lead their own career paths and embrace their roles as the CEOs of their lives.Key Takeaways:Transforming Career and Life Management: Liz opens up the conversation by re-emphasizing that each individual is the CEO of their own career and life. She encourages listeners to take active roles in shaping their career trajectories to align with personal goals and values, rather than conventional corporate expectations.Human Resource Practices Reimagined: Drawing from personal experiences, Liz narrates her initial encounters with dysfunctional corporate practices and how these ignited her passion to transform HR into a more human-centric and empowering function within organizations.Shifting Mindsets and Breaking Boundaries: Liz challenges listeners to break free from the outdated paradigms and fears imbibed in traditional work cultures. She highlights the importance of embracing freelance and entrepreneurial mindsets, even within corporate roles, for authentic and successful career journeys.Empowerment Through Personal Power: Empowering individuals to step into their personal power is highlighted as a pivotal element Liz promotes, where she stresses the need for professionals to reclaim their narrative, assert their worth, and pursue meaningful career paths that reflect personal authenticity.Managers and Leaders as Enablers: Liz shares transformative insights into effective leadership, focusing on how true leaders are those who remove obstacles, foster environments where talent thrives, and allow individuals to organically develop their strengthsJoin us in this conversation and let Liz Ryan's insights transform the way you navigate your career journey. Because when women embrace their power and careers, industries revolutionize. Let’s keep pushing these boundaries together.Explore more from Liz Ryan and her innovative approach at Human Workplace. Visit humanworkplace.com to dive deeper into the resources and community she has built. Also, for more enriching episodes, subscribe to WomenShare on your favorite podcast platform.

"I don't know why this memo never made it to our industry, but in every single other industry, bar none, maybe the exception of real estate agents, but every other industry, the owner of the business hires other people to do the work of the business."Welcome to WomenShare, a celebration of women in financial services. In today's episode, we sit down with Erin Botsford, a trailblazer in the financial advisory field. Erin has revolutionized her professional journey from being in the Barron's top 100 advisors to developing systems that empower other advisors to achieve remarkable success. She's the founder of the Elite Advisor Success System and author of "Seven Figure Firm: How to Build a Financial Services Business That Grows Itself."This conversation dives into Erin's transformative career path, starting from humble beginnings filled with personal adversity to selling her successful advisory practice. Her story is not only inspiring but also offers a fresh perspective on constructing a financial firm that thrives independently. Erin emphasizes the importance of building a business that holds value without relying solely on one individual's direct involvement. Her systems and teaching focus on training advisors to elevate their skills, broaden their market, and empower their teams effectively.Additionally, Erin shares her expertise on strategic business structuring and why planning for your practice's enduring value should begin on day one. She talks about overcoming industry norms, educating new advisors straight from college, and building a firm that continues to succeed even in the absence of its founder. Erin presents insights on focusing on risks as opposed to merely investments — a model that has helped her reach high-worth clientele successfully.Key takeaways:Value-Driven Business Models: Erin discusses the significance of establishing a business that can sustain itself beyond the founder’s involvement. Advisors should focus on creating systems that delegate client interactions to a well-trained team, ensuring the business retains its value in the marketplace.Empowering Advisors for Growth: The episode highlights the significance of skill enhancement and personal development in order to attract high-net-worth clients. Erin emphasizes training on the "risk side" of the balance sheet, which addresses vulnerabilities that affluent clients often overlook.Team Structure and Client Interaction: Erin introduces a transition method to gradually entrust junior advisors with client relationships. Her process aims to enhance the efficiency of the firm while ensuring that the quality of service remains uncompromised.Mentorship and Confidence Building: The journey from being just an advisor to owning an advisory firm is about more than just financial acumen. Erin shares how mentorship and training can break barriers and foster a culture of confidence and ambition among women in finance.Philanthropic Pursuits: Beyond her advisory triumphs, Erin invests in philanthropic efforts, supporting thousands of orphans in Zambia. Her story extends beyond financial growth, highlighting her commitment to humanitarian causes and creating a legacy of giving back.As we align with these insights and lessons from Erin Botsford, we spark transformative conversations and advocate for more strategic empowerment in financial services. By embracing new paradigms for growth and inclusion, we aim to reshape the industry from within.

"I've always felt that being a woman in this industry is a strength, and that's how I've always been. So I've taken my being a female and used it for good in this industry."Welcome to another episode of WomenShare, where we highlight and celebrate the outstanding contributions of women in the financial services industry. In today’s episode, we’re thrilled to be joined by Cary Carbonaro, a leading Managing Wealth Advisor with Ashton Thomas Private Wealth. Cary isn’t just an advisor; she is a beacon of financial empowerment, especially for women. Her extensive background includes ambassador roles with the CFP Board and an impressive portfolio of leadership positions at top-tier firms like Goldman Sachs. She is also an accomplished author dedicated to advancing financial literacy and empowerment for women.With women expected to control two-thirds of the nation's wealth by 2030, Cary sheds light on the evolving role of women in finance and the crucial changes needed in the industry to become more inclusive. This episode also explores Cary's personal journey, from her passion for helping women from a young age to using her career setbacks as a catalyst for change.Our conversation doesn’t just stop at industry dynamics. We address the existing barriers within financial services that women face, discuss misconceptions about female clients, and explore the pervasive bro culture that has steered industry narratives for far too long. Highlighting some key misconceptions that often impede progress, Cary provides insights into how the industry can better serve its increasingly female clientele.Key takeaways:Future Female Wealth Holders: With an anticipated $30 trillion wealth shift to women by 2030, financial services must evolve to become more female-centric, addressing the unique needs and perspectives of women clients.Barriers and Bias: The industry’s existing framework often overlooks women, marked by unconscious and implicit biases. Addressing these can foster a more inclusive environment welcoming to women, both as clients and industry professionals.Building Emotional Rapport: Developing genuine connections through empathy and understanding is key to gaining the trust of female clients, who often value relational interactions in financial advisory roles.Navigating Bro Culture: Cary shares her insights on overcoming prevailing bro culture and structural biases, drawing from personal experiences, including her transformative time at Goldman Sachs.Actionable Strategies for Inclusion: Through initiatives like the "see it to be it" campaign by the CFP Board, Cary emphasizes the importance of visibility for women in finance. Encouraging women to enter and stay in the financial industry, the initiative aims to make financial advisory a welcoming and lucrative career opportunity.This episode invites listeners to reflect on their own roles in fostering change and advocates for a collective effort towards a more inclusive industry—because when women are empowered, financial services flourish, and clients thrive.Join us in this engaging discussion and be part of the journey towards financial empowerment for women. Follow Cary Carbonaro on her social media platforms for further insights, and don’t forget to preorder her impactful new book, "Women and Wealth, a Playbook to Empower Clients and Unlock Their Fortune," which promises to be a valuable resource in navigating the financial landscape as a woman.Be sure to subscribe to WomenShare for more enlightening episodes as we continue to champion the voices and stories of women reshaping the financial world.

"Building a business or a career is not done in a silo. It's a community thing."Welcome to another episode of WomenShare, a celebration of women in financial services. In today's episode, hosts Joanna Ehresman and Leah Alter dive deep into the world of digital marketing with Kalli Fedusenko, founder of the Kalli Collective. Kalli is transforming the way financial advisors connect with their clients in the digital age by marrying authenticity with effective marketing strategies.Kalli shares her entrepreneurial journey, highlighting the transformation from a one-person firm to a thriving agency employing subcontractors and serving numerous financial advisors. Her mission is to simplify the complex world of marketing while infusing personal elements that resonate with audiences. Kalli emphasizes the importance of advisors embracing niche marketing strategies and integrating genuine, personal touches into their content.Key TakeawaysThe Importance of Personalization in Marketing: Kalli emphasizes that the most engaging content includes personal stories and insights. Financial advisors need to cultivate a personal touch in their digital strategies to differentiate themselves and build authentic client relationships.Navigating Time Constraints: Advisors often face time barriers in implementing content strategies. While marketing agencies can handle the bulk of content creation, the unique personal elements must come from the advisors themselves to truly engage clients.Embracing Niches for Effectiveness: While many advisors fear that focusing on a niche might limit their reach, Kalli recommends this approach. It allows for more targeted, resonant marketing strategies that effectively engage and attract the desired clientele.Utilizing Technology and Modern Platforms: The episode touches on the necessity for financial advisors to adapt to new technologies and platforms, ensuring that they meet the evolving preferences of their clients and stay competitive in a digital-first world.Sharing Unique Services: Kalli advises highlighting unique aspects of the advisor’s services, which can set them apart in a saturated market. Tailoring the marketing message to reflect these unique services can drive client interest and engagement.Marketing is a dynamic, evolving field, particularly within financial services, where building trust and rapport with clients is essential. By focusing on authenticity, targeted content, and leveraging new technologies, advisors can create meaningful connections with their clients. Kalli Fedusenko’s insights provide a roadmap for advisors seeking to broaden their impact and foster long-lasting client relationships.Join us in celebrating Kalli's dedication to empowering financial advisors and enhancing their marketing effectiveness. For more insights, visit KalliCollective.com and connect with Kalli for tailored marketing solutions.

"It just takes one woman to just open that door, break that barrier so that we can bring along other women in the process."Welcome to another inspiring episode of WomenShare: a celebration of women in financial services. In today's episode, our hosts Leah Alter and Joanna Ehresman sit down with Sheena Yap Chan, a Wall Street Journal best-selling author, award-winning podcaster, and keynote speaker who is on a mission to close the gender confidence gap. Sheena is the creator and host of the Tao of Self Confidence, a globally top-ranked podcast with over 1 million downloads, and she has interviewed hundreds of women from celebrities to eight-figure CEOs about their journeys to self-confidence.In this episode, Sheena shares her remarkable journey and mission to empower women by helping them tap into their leadership potential and move beyond limiting beliefs. Sheena's insights and experiences resonate profoundly with those in the financial services industry, where women are striving for representation and leadership roles.Key Takeaways:Empowering Through Representation: One of Sheena's driving motivations for starting her podcast, "The Tao of Self Confidence," was the glaring lack of representation she observed growing up in North America. She emphasizes the importance of offering support and visibility, especially for Asian women who often face stereotypical challenges that undermine their confidence.The Healing Power of Storytelling: Sheena discusses how the act of sharing personal stories can be healing and empowering. Allowing women to voice their journeys creates a shared sense of struggle and triumph, which can inspire and motivate others to overcome their own obstacles.Themes in Building Self-Confidence: Throughout her interviews with over 800 women, Sheena identifies recurring themes such as self-love, gratitude, and the importance of hitting a "boiling point" where one realizes the need for change. The stories reveal that growth is not a linear process but a messy, yet rewarding, journey.Navigating Stereotypes and Self-Promotion: Sheena explores the limiting stereotypes Asian women face, such as being labeled as submissive or overly accommodating. She highlights the need to dismantle these views by sharing stories and being the representation they want to see in the world. Self-promotion is another critical topic, challenging the notion that it is unladylike and emphasizing its necessity in professional growth.Collaboration Over Competition: Sheena discusses the importance of women having each other's backs in professional settings, drawing parallels with how men often support one another to advance. Transitioning from a mindset of scarcity to one of abundance is crucial for women to lift each other up and achieve greater collective success.Adapting to Change: Reflecting on the lessons from the pandemic, Sheena underscores the importance of resilience and adaptability. Change is inevitable, and building the confidence to navigate through uncertainty can lead to unexpected and fulfilling opportunities.Addressing Imposter Syndrome: In her upcoming book, "Bridging the Confidence Gap," Sheena delves into the pervasive issue of imposter syndrome among women. She aims to equip women with the confidence to embrace leadership roles, highlighting the massive economic and societal benefits of having more women in leadership.As Sheena poignantly puts it, when one door closes, another one opens. Her journey serves as an inspiration for women worldwide to overcome their fears, embrace their vulnerabilities, and step confidently into their potentials.For more empowering discussions and to join us in our mission to celebrate and elevate women in financial services, subscribe to WomenShare on your favorite podcast platform. With...

"Always have your money work for you. Don't work for your money."Welcome to another episode of WomenShare, a celebration of women in financial services. In today's episode, we're joined by Tish Berbaum, who is known by her clients as their voice of reason. She is the founder and wealth advisor at Blue Sands Wealth and is here to discuss her journey, her philosophies, and her impactful work in the financial industry.Throughout the episode, Tish shares how her family's entrepreneurial and educational background ignited her passion for investing as a child. Since entering the industry in 2008, she has developed a niche in assisting business owners with exit plans and empowering widows to manage finances independently. Tish's commitment extends beyond finance; she volunteers with community projects alongside her daughter, embedding a culture of giving back in her personal and professional life.The conversation emphasizes the importance of openness, asking questions, and aligning business practices with personal values. Tish discusses the significance of fostering collaborations among peers with diverse strengths and the power of community. She underscores the importance of creating systemic changes and highlights her involvement with national boards and local organizations aimed at advancing literacy and financial education.Key Takeaways:Balancing Professional and Personal Goals: Tish Berbaum opens up about how founding Blue Sands Wealth has allowed her to achieve a work-life balance, making time for her family while meeting her professional goals.Significance of Partnering for Support: Tish highlights the value of her partnership with RFG Advisory, which provides the necessary tools, technology, and investment management support to enhance client experiences and maintain business compliance.Educating and Empowering Clients: Emphasizing the role of education, Tish aims to empower her clients, particularly widowed women, to be involved in financial decisions, securing their independence and control over their financial futures.Community and Collaboration: Community engagement is central to Tish's approach. She involves estate attorneys, accountants, and trustees to provide comprehensive support to her clients, ensuring concerted efforts toward clients' financial well-being.Embracing Vulnerability and Openness: Throughout the conversation, the importance of vulnerability and openness within a supportive group is reiterated. Tish believes that such an environment fosters sharing, learning, and collaboration.Supporting Women’s Career Advancement: Tish's work on national boards and local nonprofit efforts showcases her commitment to advancing women's careers in finance. She advocates for more inclusive policies and practices from grassroots levels to executive boards.Authenticity and Reciprocal Relationships: Authenticity in professional relationships and the importance of reciprocation in mentorship and support circles are critical aspects discussed, showcasing how genuine connections can propel individual and collective success.Tish Berbaum is proof of how women in finance can navigate their careers while making impactful societal contributions. As we continue to advocate for more inclusive spaces and celebrate female empowerment in the industry, let's keep the conversation going. Because when women thrive, industries revolutionize.You can find Tish at bluesandswealth.com or by email at tish@bluesandswealth.com. Don't forget to subscribe to WomenShare on your favorite podcast channel for more inspiring stories and insights from leading women in financial services.

Welcome back to WomenShare, a celebration of women in financial services, and welcome to 2025. WomenShare was launched in the Fall of 2023, so 2024 was our first full year as a podcast. During this year, WomenShare has transitioned from a focus on marketing best practices to celebrating the multifaceted experiences of women in the financial sector. This shift has led to richer conversations and a remarkable 284% growth in listenership, along with a 413% rise in streams in 2024. In this episode, we're looking back on some of our favorite moments from 2024, featuring amazing guests Julie Ragatz, Shannon Schlotter, Terri Kallsen, and Atricia Roberts.Key Takeaways:1. Diversity in Financial PlanningAtricia Roberts' reflections brought attention to the slow progress in diversity, emphasizing the need for significant industry changes. Despite being in the industry for over 20 years, she often remains the only Black female advisor at conferences. She highlighted the critical importance of organizations like the Certified Financial Planning Board promoting diversity and fostering a more inclusive environment.2. Mentorship and Career DevelopmentAtricia shared her powerful personal journey back into the financial industry with the mentorship of Bernie Wolfe. This mentorship not only rekindled her career in investment management but also built her confidence, helping her embrace authenticity and self-assurance. This underscores the significant impact that mentorship can have on one's career path and personal growth.3. Challenges in the Wealth Management IndustryJulie Ragatz from Carson Group highlighted the ongoing challenges women face in the wealth management industry, including "forced entrepreneurship." This trend, wherein women start their own businesses due to dissatisfaction with corporate environments, speaks volumes about the need for more inclusive and adaptable corporate structures. Notably, this trend is both empowering and a reflection of accessibility issues, as not all have the resources to start their own ventures.4. Experimentation and Self-Care during TransitionsShannon Schottler discussed the importance of embracing experimentation and self-care, especially during life transitions. Her personal anecdote about her daughter learning to bake underscores the beauty of imperfections and learning from 'messiness.' The idea of treating life changes as experiments, as discussed by Joanna, supports personal growth and adaptability, which is essential for professional and personal development.5. Impact of "WomenShare" and Future DirectionsWe reflected on the positive impact of the podcast in 2024, celebrating its growth and the richness of discussions facilitated by diverse guests. We expressed gratitude and optimism about the increasing alignment towards diversity and inclusivity in the financial industry. The call for community support and potential sponsors signals the show's commitment to continuing its mission, driven by community engagement and support.

"As advisors, we miss the opportunity to teach clients how they can use their wealth to live purposefully now, you know, in the moment. We may or may not have forever."Welcome to WomenShare: A Celebration of Women in Financial Services. In today's episode, hosts Joanna Ehresman and Leah Alter sit down with the extraordinary Marcia Miller, a wealth advisor with over 25 years of experience at RFG Advisory.Marcia, who is celebrating 11 years cancer-free from breast cancer, shares her journey of gratitude, highlighting personal and professional triumphs. She discusses the power of small actions leading to significant change, the generosity of people, and the importance of seeking guidance from knowledgeable individuals.We dive into the unique challenges faced by female veterinarians, a profession where women represent 80-90% of the workforce, and how Marcia's podcast, "Making Hay," offers tailored financial advice to support their demanding careers. She emphasizes the importance of purposeful living, making memories, and enjoying life without financial stress.Join us as we explore the evolving role of women in financial services, the impending "great wealth transfer," and how women are redefining financial priorities and client-advisor dynamics. Don't miss this captivating conversation with Marcia Miller, a true advocate for empowering women through empathy, financial education, and purposeful living.Tune in, subscribe, and be part of the WomenShare community as we celebrate women's unique contributions and transformative journeys. Thank you to RFG Advisory for supporting our mission and to Marcia for sharing her incredible story with us today!Key Takeaways:1. The Power of Small Actions and Generosity: Leah Alter and Marcia Miller emphasize that small actions can create significant change. Marcia highlights the importance of seeking guidance from knowledgeable individuals, showcasing the generosity and willingness of people to help.2. Personal Health Journeys: Both Leah and Marcia share their impactful personal health stories, with Marcia celebrating 11 years cancer-free from breast cancer and Leah discussing her experience as a BRCA1 carrier who underwent preventative surgery. Their stories underscore the importance of gratitude and proactive health management.3. Financial Empowerment for Women: Marcia underlines the significance of empathy, clarity, and eliminating feelings of guilt and intimidation for women regarding financial issues. Budgeting and self-care are portrayed as essential aspects of a fulfilling financial life.4. Purposeful Living and Wealth Management: The episode stresses the value of connecting money with personal purpose and rewarding experiences. Marcia advocates for enjoying and spending wealth during the peak years of happiness rather than hoarding it for potential future inheritances.5. The Evolving Role of Women in Finance: Marcia discusses the cultural shift in the financial industry, noting increased female representation and opportunities. She highlights the unique contributions women bring to financial advisory roles and the importance of acknowledging women clients, particularly with the upcoming "great wealth transfer."