You’re a woman on the cusp of “retirement” naturally feeling some anxiety. We are two financial planners who take this subject seriously (but ourselves less so). We will help you feel more confident about your choices by cutting through the myths and mysteries. Through conversations and interviews with both subject-experts and women who have gone through what you are approaching, you will have the correct information and motivation to be in control of your future.
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99: The Challenges and Opportunities of Defining Your Identity in Retirement with Elizabeth Parsons
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“Suddenly you've got to create the content of your life, and that's a completely new enterprise for most people we work with, and it's scary until you can get your hands in the clay and feel confident about having a process.” -Elizabeth Parsons How do you deal with the massive shift that comes with stepping away from a high-powered career and into …
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98: Conquering Internalized Ageism and Living Your Best Life after 65 with Ande Lyons
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“Age is just another journey that we need to learn to love and embrace, and see as the gift it is!” Our hosts Stephanie McCullough and Kevin Gaines are joined by Ande Lyons, host of the Don't Be Caged by Your Age podcast. She’s redefining what it means to thrive after 65, and teaches us how to combat ageism at every level—whether it's institutional…
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97: Why Do We Avoid Retirement Planning?
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“Most pre-retirees and retirees need and want help with the critical retirement decisions they face, but they’re not always certain where to find it.” Is your retirement plan only scratching the surface? Our hosts Stephanie McCullough and Kevin Gaines uncover the common pitfalls that have kept retirees unprepared for the realities of their post-wor…
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96: Surviving Financial Infidelity with Jess Bost
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"Financial infidelity is in the category of infidelity and the root of it is a hiding and a lying about the truth." Join our hosts Stephanie McCullough and Kevin Gaines as they chat with Jess Bost, CFP at Lake Avenue Financial. She’s spent over 15 years coaching people to get from where they are to where they want to be. It’s a passion that finds i…
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95: Ready to Retire? Here are Five Crucial Questions to Ask Yourself
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“We believe that a simpler financial life, a less fraught financial life is one where you align your dollars with what's most important to you, with the life you want to lead, with your values.” - Stephanie Have you ever found yourself asking if the perfect moment to retire will ever come? Or whether you’ll even have enough to live on when that mom…
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94: Practicing for Retirement: Balancing Creative Pursuits and Financial Planning with Mary Jo Hoffman
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“Think about practicing for retirement long before you get there.” -Mary Jo Hoffman Our hosts Stephanie McCullough and Kevin Gaines sit down with aeronautical engineer-turned-artist Mary Jo Hoffman. Renowned for her captivating photography project, Still, Mary Jo shares her extraordinary journey from a 17-year career as a scientist into becoming a …
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93: She Did It! Real Retirement Stories with Sharon Johnson
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“It wasn't nearly as traumatic for me as I was expecting it to be. I was a little concerned about how I would transition from having to get up and having that routine to creating a new one.” - Sharon Welcome to another edition of Real Retirement Stories - a series of Take Back Retirement. Our hosts Stephanie McCullough and Kevin Gaines chat with Sh…
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92: What Women Need to Know about Inflation: What It Is, and Why You Should Care -- But Not Panic!
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“Each dollar today buys less than the same dollar did 10 years ago. Which is why a lot of financial advisors are so focused on helping clients grow their money over time. It's not to become wealthy and die with the most money, it's because the cost of living goes up over time.” - Stephanie Our hosts Stephanie McCullough and Kevin Gaines demystify t…
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91: Securing Your Retirement: Key Insights and Strategies
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“If the average life expectancy for a woman is around 86, 87, fully 50% of women live longer than that. So, you can't plan just to age 87.” Can a simple quiz change the way you think about retirement? Our hosts Stephanie McCullough and Kevin Gaines uncover the hidden gems (and not-so-shiny stones) within retirement planning quizzes and surveys, esp…
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90: Guiding Women to a Richer, More Fulfilling Retirement with Dan Haylett
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“Human beings going into retirement will find every excuse to not spend their money” - Dan Haylett Our hosts Stephanie McCullough and Kevin Gaines sit down with financial advisor Dan Haylett. As the host of the “Humans Vs Retirement” podcast, Dan tells us how he inspires retirees to grab life by the horns and experience true wealth in their later y…
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89: Navigating the Emotional and Practical Realms of Eldercare Management with Nancy May
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"Dad, you trusted me with everything. I'm trusting you with the truth.” -Nancy May Our hosts Stephanie McCullough and Kevin Gaines sit down with Nancy May, who drops some real truth bombs relating to eldercare and supporting aging parents and relatives. Nancy’s personal journey sheds light on the complexities and sacrifices involved in this critica…
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88: Radical Self-Acceptance: A Path to Financial Wellness for Women with ADHD with Diann Wingert
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“Every single thing in my life that has ever terrorized me and terrified me, and I avoided like nobody's business, when I finally either had no place else to run, or I chose to turn around and face it, it has never been as bad as I thought it would be. It has never been as shameful as continuing to avoid.” Our hosts Stephanie McCullough of Sofia Fi…
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87: Cultivating Creative Connections for Lifelong Wellness with Claire Waite Brown
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“It's not a line that you are either academic or creative, or you are either scientific or creative, or you are either mathematical…They're not separate.” -Claire Waite Brown Ever felt like your creative spark got lost in the shuffle of life? Our hosts Stephanie McCullough of Sofia Financial and Kevin Gaines of American Financial Management Group s…
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86: The Success Number: Calculating What You Really Need to Earn with Ella Glasgow
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“I first ask this question: What is the number to make you feel successful? You and no one else. It might be a scary number. There’s nothing wrong with fear.” -Ella Glasgow Ever felt the anxiety-inducing pressure of pinning a price tag on your brainchild? Our hosts Stephanie McCullough and Kevin Gaines break that down with guest Ella Glasgow, who's…
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85: Mastering Tax Season: Strategies for Preparation, Document Gathering, and Future Planning
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“If they're only worried about that current year, then that's what they're going to focus on. Let your accountant know, ‘I'm interested in what my tax bill's going to be three, five years down the road. So, if there's something we need to be doing, let's have a conversation.’” Tax season is among us. Or as Kevin would sing, “It’s the most wonderful…
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84: The Retirement Expense You Can't Afford to Ignore: Planning for Healthcare Costs
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“If you're looking at the costs of medical expenses over time, they've actually historically grown faster than regular inflation. Healthcare is expensive, and it goes up faster than the rest of your spending; don’t overlook it.” Listen in as our hosts, Stephanie McCullough of Sofia Financial, and Kevin Gaines of American Financial Management Group …
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83: Combatting Fraud and Protecting Your Financial Future with AARP's Kathy Stokes
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“If you know about a certain scam, you're 80% less likely to engage with it. So, please tell everybody you know.” -Kathy Stokes Could your loved ones be vulnerable to a $9 billion wave of deception? Kathy Stokes from AARP joins our hosts Stephanie McCullough and Kevin Gaines to unravel the complexities of fraud that's sweeping the nation, hitting o…
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82: Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber
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“People tend to underestimate both how long they'll live and how long they'll spend in retirement. That's something that we really need to be realistic about.” - Heather Schreiber Have you ever wondered how the labyrinth of Social Security intricacies might be uniquely affecting your retirement plan? Our hosts Stephanie McCullough and Kevin Gaines …
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81: Answers to Our Most Common Questions
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Ever feel like you're wading through murky waters when it comes to retirement planning? You're not alone. Stephanie McCullough and Kevin Gaines of Sofia Financial and American Financial Management Group illuminate the path with their expertise, debunking pervasive myths that cloud the judgment of many investors. They kick things off by setting the …
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80: Reinventing Money Talks: Emotion, Accountability, and Retirement Planning with Erika Wasserman
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“You'll start seeing some things that are really helping you in life and some that are hurting you. And when you don't have an outlet or a way to review these things, we stay to our consistent habits just like with our diet.” Dive into the world of financial therapy with our guest, Erika Wasserman. Fully 81% of Americans were taught not to talk abo…
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79: Small Steps, Big Impact: How Prioritizing Self-Care Transforms Your Finances with Emi Kirschner
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"You have a choice about everything, and not choosing is still a choice. Prioritize yourself and ask for what you need." - Emi Kirschner What if you were told that self-care isn't just an indulgence, but a key player in achieving personal and professional success? Our hosts Stephanie McCullough and Kevin Gaines chat with Emi Kirschner, a seasoned i…
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78: The Essential Rules to Know When You Inherit an IRA
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“The account you inherit as far as the IRS is concerned, it's not your retirement account. You are just receiving the money from it. It's still the original owner's retirement account.” Have you ever considered the complexities that come with inheriting retirement accounts? They can be a minefield of rules and regulations that, if not handled with …
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77: How to Decide Whether to Go Back to Work After Divorce
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“The thing you’ve got to start with is what does life cost you? What does it cost to be you in this world?” Listen in as our hosts Stephanie McCullough and Kevin Gaines tackle some big questions in this episode of Take Back Retirement, like "Do I need to go back to work after retirement or a divorce?" and "What kind of financial considerations shou…
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76: What Women Need to Know About Financial Recordkeeping: Lessons from Client Stories
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“In the world of the IRS, if it's not documented, it's not real.” Get set for a value-packed journey as our hosts Stephanie McCullough and Kevin Gaines tackle the critical topic of keeping financial records in this latest episode of Take Back Retirement. But they don’t go it alone. They invite two clients - Steve and Doug - and two experts – Enroll…
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75: The Gift of Organizing and Decluttering your Documents and Photos, with Angie Hyche
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“This could be the most loving gift you could ever give your children. The most loving way of spending your time to give them this gift, it's priceless. Preparation leads to peace. It absolutely does.” Imagine a world where your family isn't left with a mountain of your disorganized documents and possessions after your death. Our hosts Stephanie Mc…
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74: Taking Charge: Carol Marak's Strategy for Solo Aging and Retirement Planning
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“Once you are aware of your top risks that you will likely face later on, it's amazing how your brain just starts to automatically think about, ‘Well that's interesting, I wonder if I could live that way.’ Or ‘I wonder if I could pick up that exercise. I wonder if I could start walking a mile a day just to start getting in better shape. I wonder if…
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73: Back to Basics: Essential First Steps to Taking Control of Your Finances
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“It’s not about deprivation. It’s about balance. It’s about taking care of your today self and your future self.” Join our hosts, Stephanie McCullough of Sofia Financial and Kevin Gaines of American Financial Management Group, as they simplify the world of financial planning, starting with understanding cash flow. They tackle how to monitor the inf…
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72: Bringing a Woman's Perspective to Money and Retirement with Financial Planner and Author Kim Curtis
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“Conversations around money should be: what do you want? Who do you want to be? And how do we help you get there? Not only you individually, but your collective. Your collective is your family, your community, and beyond” Imagine a world where the language of money is universal, inclusive, and aligns with your life's purpose and passion. That's exa…
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71: She Did It! Real Retirement Stories with Gretchen "G-Rex" Schoser
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Get ready for an inspiring conversation with tech retiree and podcast host, Gretchen Schoser. Gretchen, aka G-Rex, invites us into her world to talk about trading tech for a mic, her journey toward retirement, and the mental health battles she’s faced along the way. Tune in as she unpacks her new podcast, “Sh!t That Goes On In Our Heads,” which she…
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70: Women, Retirement, and the Lessons of Behavioral Finance
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“The human brain is actually wired to trip us up, to shoot ourselves in the foot when it comes to money and investing. A little bit of self-examination can help pull us out of these knee-jerk reactions.” Prepare for a knowledge voyage as our hosts Stephanie McCullough and Kevin Gaines redefine retirement for women, bringing insights from behavioral…
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69: New Survey Illuminates Retirement Confidence and Planning by Gender and Generation
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What if you discovered that the typical American is on track to have only 78% of the income needed for retirement expenses? Brace yourself, because that's exactly what our hosts Stephanie McCullough and Kevin Gaines are about to unpack. Talking about retirement planning can be daunting, but it's never too late to start. Our hosts share some fascina…
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68: Energetic Resources and Your Financial Journey with Stacey Stern
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“[A wise money decision is] one that honors yourself. And to really honor yourself, you need to know yourself, to know who you are and what your values are, and know that your self is not one set entity or one personality set in stone.” With over 18 years of experience as an executive coach, Stacey Stern joins Take Back Retirement to share her uniq…
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67: Embracing Midlife Growth: Aging, Beauty, and Self-Discovery, with Dara Goldberg
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“We are supposed to view aging as a privilege, but we are shamed for showing visible signs of it. How absurd. And because we live in a society where our outward beauty equates to worth and value, we automatically feel that our value is going down and our worth, and we see that our visibility is going down.” Are you embracing your midlife growth spu…
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66: Transform Your Relationship with Money: Lessons from Bari Tessler
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“I've heard everything at this point, meaning nothing would surprise me. I've heard all sorts of versions of shame, anger, sadness, anxiety, family stories - beautiful and painful, and betrayal and embarrassment.” Our hosts Stephanie McCullough and Kevin Gaines had a fascinating conversation with Financial Therapist Bari Tessler, founder of The Art…
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65: Achieving Longevity and Financial Stability: A Holistic Approach with Dr. Laura DeCesaris
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What if the secret to a long, healthy life is not expensive programs, supplements or equipment, but actually the free actions you take every day? In this episode, functional medicine-trained health strategist Dr. Laura DeCesaris joins the podcast to explore the importance of prioritizing health span over lifespan. Stephanie, Kevin, and Laura explor…
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Given the recent headlines and failure of two banks, Stephanie and Kevin felt is was time for a high-level overview on the government insurance programs that serve as backstops by protecting you from the potential failure of financial services companies. Listen in as they break down the most important acronyms within the alphabet soup of federal go…
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63: She Did It! Real Retirement Stories with Jackie Koski
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Jackie Cummings Koski has overcome poverty, divorce, and the struggles of single motherhood. Yet, she was able to retire from her corporate job of 20 years in 2019 at the early age of 49! That whole time, she’s made less than six figures. Jackie sits down with Stephanie and Kevin to discuss how she overcame those adversities and the wake-up call th…
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62: What Women Need to Know About Longevity
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In financial planning, the big question that we’re trying to answer is how to put a client’s resources to work in a way that gives them the best chance to meet their goals—their financial wants and needs—for the rest of their lives. To accomplish this, there are a lot of factors we have to guess at: How much will life cost them? How about inflation…
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61: Pre-Plan for Caregiving Needs with Special Guest Mim Senft
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Today, we sit down with Mim Senft, author, keynote speaker, and facilitator for national conferences. She is the Co-Founder and Managing Director at Motivity Care, a company that takes the complexity out of caregiving management by providing personalized “chief of staff” support. Mim has over 25 years of corporate experience in project management, …
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60: What Women Need to Know About Annuities
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Today, we talk all about annuities. Yet another powerful tool in your toolbox for taking control of your retirement, you can think of an annuity as a way to “buy” your own pension. But it’s just that: a tool. Like any other financial vehicle, there are pros, cons, and tradeoffs to think about. An annuity is a contract issued mostly from insurance c…
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59: Knowing Your Money Mindset Can Improve Your Money Management with Kat Sanford
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Why is money so darn challenging? Today’s guest, money mindset coach Kat Sanford, sits down with us to do a deep dive on that very question! Kat’s personal story saw her chasing the modern world’s definition of “success”—and experiencing burnout as a result. She realized that changing her path requires addressing her money blocks. She did just that…
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58: Secure Act 2.0: New Retirement Account Rules, Same Old Message!
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Believe it or not, the IRS wants you to save for retirement. To that end, they’re always trying to come up with new tax breaks—not to mention very specific conditions you need to meet in order to enjoy those tax breaks! This brings us to the topic of today’s conversation: the introduction of Secure Act 2.0, a new law ushering in changes to rules an…
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57: What Women Need to Know if there's a Recession
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Recession. We’ve seen the headlines, in all their dramatic glory. Today’s episode isn’t about defining “recession” and all its complexities (a topic on which no one ever seems to agree!). Instead, it’s about the reality that recessions are simply a part of the economic cycle and, more importantly, that it’s something everyone has to deal with when …
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56: How Do We Reduce Financial Anxiety? with Lindsay Bryan-Podvin, Financial Therapist
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Today, we sit down with Lindsay Bryan-Podvin, social worker, financial therapist, speaker, and author of The Financial Anxiety Solution. Lindsay reflects on how her own lived experience led her to choose financial therapy as a career path. Listen in as Lindsay shares how she aims to close “the gap in how we talk about money,” highlighting the impor…
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55: Lessons from the Career of Janet Yellen with Jon Hilsenrath, Author
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Today, we sit down with Jon Hilsenrath, a senior writer for The Wall Street Journal, where he has written about economics and finance since 1997. We’re going to learn a little economic history but also a very human story of a woman’s career in a male-dominated field, and of a couple unconventionally sharing family responsibilities long before that …
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54: Why Women Need to Know About Divorce (special series wrap-up)
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In this quick bonus episode, Stephanie and Kevin wrap up their multi-episode series on why women need to know about divorce, being that divorce is a very common topic that they see with their clients. Divorce is a big financial issue that most people don’t plan for, making it all the more difficult and scary to navigate. That’s why Stephanie and Ke…
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53: She Did It! Real Divorce Stories with Monica Scudieri
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Today, Stephanie and Kevin are joined by Monica Scudieri, who successfully navigated her way through a financially difficult divorce into retirement. Fifteen years ago, Monica divorced, acquiring hundreds of thousands of dollars of debt, with two children to care for in a difficult job market. She quickly had to learn to manage her money, and to st…
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52: What Women Need to Know About Divorce from an Estate Planning Attorney with Rebecca Sallen
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46:34
Our series on navigating divorce continues in this episode as we sit down with estate planning attorney Rebecca Sallen. Having gone through her own divorce, Rebecca brings important insights into why hiring an estate planner is absolutely worth the investment if you’re going through a divorce. Plus she covers commonly-overlooked considerations amid…
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51: What Women Need to Know About Divorce from a Mediator, with Ellen Morfei
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In this episode, we welcome Pennsylvania-based divorce mediator Ellen Morfei. With years of professional experience in conflict resolution, Ellen has worked with many couples in getting to a good divorce. Ellen provides mediation, workshops, conflict coaching, facilitation, and consulting to businesses, individuals, families, and organizations. She…
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50: What Women Need to Know About Divorce from a Divorce Coach with Sheila Brennan
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Today, Stephanie and Kevin are joined by Sheila Brennan, a divorce coach, who after being thrust into divorce herself 15 years ago, chose to use her experience to help others who struggled with the process. A divorce coach, she explains, is a relatively new concept, which is most easily described as a wedding planner for divorces. She helps her cli…
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