Episode 327: Prenups as a Partnership: Approaching a Prenuptial Agreement as a Team with Kaylin Dillon, CFP®

Almost everyone has heard of a prenup, but very few of us have actually sat down and thought one through in practical terms. In this episode, Melissa Joy, CFP®, opens up a candid, surprisingly approachable conversation about what prenuptial agreements really are, who they are for, and why they belong in the financial planning discussion. Whether you are considering one for yourself or thinking about the next generation in your family, this is a topic worth understanding before the question ever comes up.

Melissa is joined by Kaylin Dillon, CFP®, a fee-only financial planner in Lawrence, Kansas, who has built a specialty around couples with separate assets, blended finances, and prenups. Kaylin reframes the prenup as a partnership exercise rather than a defensive move, walking through what can go into an agreement, why each partner needs their own attorney, how inherited and family wealth complicate things, and the single biggest mistake couples make. It is a thoughtful, practical look at planning for marriage with eyes wide open.

What You'll Learn

• What a prenuptial agreement actually is, and why it is not only about divorce
• Why each partner should hire their own family law attorney, and how that protects the validity of the agreement
• What can go into a prenup, from current assets and debts to future businesses, homes, life insurance, and even estate terms
• Why inherited and family wealth is one of the most common reasons couples pursue a prenup, and how to protect both sides
• The legal standard of unconscionability, and why a 30-day runway before the wedding is far too short
• The number one mistake couples make: rushing the process before agreeing on their own goals
• Why a joint financial plan is Plan A and the prenup is usually Plan B
• How a prenup coach can support a couple alongside their attorneys to keep the process focused and less expensive

Connect with Kaylin:

Website: kaylindillonfinancial.com

The Prenup Coach: prenupcoach.com

Instagram: https://www.instagram.com/theprenupcoach/

The previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Transcript

Welcome And Today’s Topic

SPEAKER_01 0:00

Welcome to the Women's Money Wisdom Podcast. I'm Melissa Joy, a certified financial planner and the founder of Pearl Planning. My goal is to help you streamline and organize your finances, navigate big money decisions with confidence, and be strategic in order to grow your wealth. As a woman, you work hard for your money, and I'm here to help you make the most of it. Now let's get into the show. I bet most of you have heard of a prenup, but I don't know if you're like me how much time you've spent thinking about it and discussing it in a practical manner. But today that's what we're going to be talking about. And you might be surprised. This could apply to yourself or to the next generation in your family. So I think it's going to be a fun and informative discussion. And to have this discussion, I'm joined by Kaylin Dillon. Kaylin is a certified financial planner and a fee-only financial planner based in Lawrence, Kansas. She runs Kaylin Dillon Financial Planning, where she specializes in working with couples navigating separate assets, blended finances, and prenuptial agreements. She's also the author of Prenup Partnership, a guide to getting a prenup you both love, and the creator of the Prenup Coach, an educational brand helping to engage, helping engaged couples approach prenups as a team. Kaelin, welcome to the podcast.

Why Kaylin Specializes In Prenups

SPEAKER_01 1:34

Thank you so much for having me. Glad to be here. Well, you are the Prenup expert. I know, which I kind of met you following your reels on Instagram. Great work. Oh, thank you. Give me a little bit of a background. How did you choose to dive so deep into this very specific, very important topic?

SPEAKER_02 1:56

Yeah, well, when I first started my financial planning business, I really wanted to focus my work on doing financial planning for couples with separate assets because that's how my husband and I, at least to some extent, manage our assets.

SPEAKER_01 2:13

Okay.

SPEAKER_02 2:14

And um, and at first I was like, how do I communicate that to people? Because people really define separate assets very differently. And I thought, well, we have a prenup that actually did lay a lot of the foundation work for what we do treat separately and what we treat jointly. So I thought, well, that will be another good focus of for my financial planning practice. And so my intention was for most of my focus to be on the financial planning side. But as soon as I started talking online, on social media, in public about prenups, I started getting a lot of inquiries from people asking for just some guidance on the front end of considering a prenup. And at first I was like, well, that's not really what I do, but I realized after getting enough of these, um, I realized, you know, I did go through this process. I do have at least some advice for for these individuals reaching out to me and couples reaching out to me. And so I started kind of, you know, just dipping my toe into giving people some pointers, and then it really took off from there and has become um uh yeah, a main specialty of mine.

SPEAKER_01 3:29

Well, I love that sometimes there's a need in the universe and you're called to fill it.

SPEAKER_02 3:35

Yeah.

SPEAKER_01 3:35

I guess we should start

What A Prenup Is And Who Drafts It

SPEAKER_01 3:37

at the basics. I know that the term prenuptial agreement is in, you know, kind of common American vernacular, but can you define what a prenuptial agreement is?

SPEAKER_02 3:47

Yeah, it's it's just a legal contract that takes effect upon marriage. And that's really the basis of it. So it in theory does not always have to do with divorce, but of course, most of the time a prenuptial agreement does spell out how a couple would split their assets if they were to divorce. But there are all sorts of other things you can include in it too. Um, and you know, we can get into that.

SPEAKER_01 4:15

I bet we'll get into that in a moment. In the meantime, who drafts a prenup? Like who, where do you go if you want one or need one?

SPEAKER_02 4:24

In an ideal world, go please go to an attorney, a family law attorney specifically, because divorce attorneys are the ones who are they're the closest to the case law when it comes to prenups, and so they're the best ones to be drafting this. Sometimes people use an estate planning attorney. That can be okay depending on your situation. But if you're just starting out fresh and wondering who to look for, you want to look for a family law attorney, and you do each need to hire your own attorney. And then there are online options for people who really are averse to going that route, but I still recommend hiring an attorney to review, if say if you use Hello Prenup, which is the only one I'm familiar enough with that I really like and support. Um I would even if you went that route, I would still hire attorneys afterwards to review it.

SPEAKER_01 5:17

And if we can pause here for a moment, why would you each, so there's always I would assume there's always two parties in a prenup. Um, why would both of you need separate attorneys?

SPEAKER_02 5:31

You need separate, I mean, practically you need separate attorneys so that you can be advised by your own attorney about what's in your best interest individually, because that's their job. But you also ideally want to each hire your own attorneys because that also helps solidify the validity of the prenup. And in some states that's explicitly required, in some states there is a lot more wiggle room than that. But even in the states where it's not explicitly required, I still highly suggest it. And um I do think it's really important that you that the individuals making this agreement do privately get advised on what's in their best interest. So you kind of understand like how far could I take this agreement under the law if I'm only looking out for me? But in the end, you're not going to end up with an agreement that's only looking out for one person for a whole host of reasons. That's not a fun way to start a marriage, and um, you know, it could be considered an unfair um prenuptial agreement. So uh yeah, I could go on for a while, but I really strongly recommend each hiring your own attorney, which is a little bit daunting for individuals, and so that's why doing some of the planning work on the front end, even if it's not a full financial plan, um, just planning for the prenup itself can really help people feel ready for

Why Each Partner Needs Counsel

SPEAKER_02 7:00

hiring the attorneys and starting that process because it can be intimidating.

SPEAKER_01 7:04

Absolutely, and you mentioned it in your previous response, but with the law, when it comes to family law, state by state matters. So, you know, if you have a family member who's an attorney in California and you're sitting in where you live, Kaylin, in Kansas, not the same law. Um and so you really need someone who is familiar with um the state that you are residing in, which is where the contract would be. Um, you know, an additional consideration too is hopefully the prenup is happening in a you know very happy day for the happy couple. Um, but you need to consider all sorts of outcomes and situations. Yeah. Um, and it's nice to hopefully have clear weather on that day as you're considering the future, but oftentimes it's the job of the attorney, I would assume, to uh inform you of how the agreement would work in the event of a divorce, in the event of um, you know, other disagreements or feuds, um, so that you're and also um shifting um financial uh power in the relationship as well. Yeah. Um, all of these are considerations that a count in a council, whether it's an attorney and or a financial planner, um, can help to make you aware of.

SPEAKER_02 8:33

Yes, I really like how you put that actually. I'm gonna steal some of that. Please.

SPEAKER_01 8:39

So, okay, so we've laid out what a prenup is and functionally, you know, like I I agreed. Like, please do not do this. This is not a DIY project. And um, I'm interested in hearing about hello prenup, but um also human advice can give you a lot of information and human communication as well. Someone who understands your situation, um, not a conversation with Chat GPT, um, can is really important in terms of counsel, and that's why I'm sure, Kaylin, that your um the work that you're doing is so popular on on this area. Um so let's get in. So, what gets put into a prenup? Like I'm sure there's some basics that we all understand, but yeah, like what what types of agreements or arrangements are potentially in there?

SPEAKER_02 9:34

The most common plain vanilla prenup usually says it usually has rules for what you already own right now. And sometimes that kind of is it. And so if you own or owe, so maybe you have debts, one of you has debt and

What You Can Put In A Prenup

SPEAKER_02 9:54

one of you owns significant assets, um, it would spell out how would those assets or debt be treated if you were to get divorced. Um, but you can also include terms in your prenup around things that don't exist yet. So it could be if you know, if if you don't own a business now to list in the assets in your prenup, you could still include provisions that spell out what would happen with a business if one of you were to start a business in the future. Um so if that's something that's on your mind, that's something I see from time to time. Um but it's really it's all about what you own right now, what you owe right now, and then what you may want to address in the future. So if you don't already own a home, you're both renting, but you're already basically planning to purchase a home, it might be a good idea to have some uh provisions around how to treat the home. Um and then you can also include provisions around how you want to manage your finances during marriage. So it could be, um, for instance, my prenup requires my husband carry life insurance. And so it could be just something that's taking place during your marriage. It could spell out how you're going to split taxes if you have significantly different income levels. Um, you may want something there. Um andor I have seen people spell out you know how they want to split expenses. Of course, you can probably tell as I'm starting to list out some of the possibilities. There's kind of a long list. Um the possibility list is very long, and I don't want people to look at it as a menu where they're just trying to like pick out everything possible they think might be relevant. You really want to start first with what's your actual goal for the agreement, you know, what are you trying to accomplish here, and really try to stay focused on that so that you don't get carried away because uh including too much in a prenup can actually just make your life a little more difficult later, especially if you start to get into the territory of like rules that govern how you manage your finances during marriage, you have to stick to those. So um, you know, you want to give flexibility, yeah.

SPEAKER_01 12:17

So just um pulling out some examples, perhaps um people are getting married later in life. Um, and so you come into the marriage, you each have your own financial history, um, you have your own assets, you have your own debts, you have your own stream of income. Um, and so basically one function or the perhaps the most basic would be here's the assets I'm bringing into the marriage, here's the debts, here's um each of yours, they're detailed, and those assets could be um yours, like stated that you're they're yours and separate property. Is that correct?

SPEAKER_02 12:57

That's right. Yeah, they they could say that what each of us is bringing is ours separately and will always be our separate property, and maybe you already own something together, so you may still have something listed in there that is actually from the outset already labeled as marital property, or if you're in a community property state, you call it community property. But um, when it comes to how you divide assets, that there's not actually a significant difference in the two. Um yeah, makes sense. You also reminded me one other thing, you can include terms around what you want to happen to your assets when you die. So you can have estate terms in there essentially instead of a will, or it could just be over something real one specific thing. So the thing I see most frequently in that case is a marital home. In the case that you have children from a previous marriage. Sometimes people want to be able to, especially if it was a family home, they may want to be able to keep that in their family, that sort of thing. So you could have estate terms in your prenup, and it may or may not be the case that you still need a will after that. Usually you do to kind of cover everything else.

SPEAKER_01 14:08

Makes sense. Um, that's really helpful. And you know, in thinking about the prenup as well, I was just thinking as an aside, it's always super helpful, even if you're not going to go down the route of a prenup, to have an asset inventory prior to your marriage. Um, because in most places um that I can think of, the assets you bring into a marriage are often um considered separate property, but only if you have information and proof that they existed at that time. Yeah. Um, and

Inheritance And Family Wealth Pressures

SPEAKER_01 14:43

and in many cases aren't commingled with your marital assets. So that's right. You know, many people will never have to argue that in court, but for those that um end up in a divorce situation, that's relevant. So it's it's a good thing to, you know, kind of make up the list when you start. Um and I think another um reason that I've heard a desire for prenups um is there, you know, could be inherited wealth on one or both sides of the family. Um these are typically inherited assets are typically considered separate, but it gets sticky in the day-to-day maintenance of life for keeping things separate. Can you talk to me? Do you have people that come to you and it's like mom and dad say I we have to have a prenup, and so we need advice, or um, give me a little bit of flavor on the family assets or generational assets?

SPEAKER_02 15:40

Yeah, I definitely have had people come to me and they're coming, they're getting a prenup because they're told they have to, or because one side of the family has told them they have to. Um, and that can be just because they're going to inherit significant wealth, and the family just wants to be sure that it's extra clear, even though, like you said, in most states inherited assets are protected as separate property. There's quickly some quite a bit of gray area, especially if you've inherited assets and you're using it to support your marital life, um, or you've inherited assets and you're living in, say, a home that you inherited, something like that. Um, there can really quickly be gray area, and so sometimes families want that reassurance, which I think it's really important to acknowledge how understandable that is, that you know, one family has built up this wealth, and it's not so much that they want to make sure this new person entering their family doesn't get anything, but they do want to make sure this money is staying in their family because all of many families have heard, you know, families who have built up significant wealth probably have heard stories, if not already experienced cases in their own family where someone did get divorced and it felt like a significant amount of family money went to this ex-spouse who now is not in the family and maybe you know isn't even supporting a grandchild or somebody who's you know, they're really truly no longer in the family, and um and the family left behind feels like it was unfair for whatever reason. Um, it can also be the case, like if there's a family business, then it's especially important for them because they don't want to end up being business partners with the ex-spouse of their family member. So their you know, ex-daughter-in-law. That just doesn't make for a very fun experience to be business partners. So you do need some clear rules around how those assets would be treated if you were to split. Um but then of course, it is also really important for the entering spouse to have some provisions that protect them as well. So we could get into that. But yes, significant wealth is a really common reason.

SPEAKER_01 18:05

So true. And you know, then you can imagine how it gets complicated. First of all, I appreciate you know, like how you shared Caitlin, like it's not a personal affront in most cases. I don't want to obviously this is not a blanket statement, but sure, it's typically not a we don't like her or him. It's more uh an often, you know, the family or the family member or the maring um the fiance is getting counsel um from professionals saying, hey, this would this is something you need to discuss and consider. Um and also though, when entering into those, some of the unforeseen complications could be um what if you know the one spouse discon quits working, but most of the assets are behind a separate property door. There's so many different, you know, kind of permutations of outcomes eventually that you do need that counsel. Um, and that's probably one of the other reasons that prenups are, I believe in most states considered to be less defensible or more um uh prone to invasion if if you're kind of it's if it's you know at the wedding that you're signing the document or right before the weekend of the wedding, you need some space and time and counsel so that it's not, you know, like being held over your head when you actually tie the knot.

Timing Risks And What Makes It Vulnerable

SPEAKER_02 19:36

Yes, yeah, that's right. I thought maybe you were about to say if they're unfair, but actually true. That's that's not I mean it the in most states it takes it it the prenup has to rise to the level of being unconscionable. So it actually I said earlier on something about it being unfair. That's actually not the line. The line is unconscionable, unconscionable, which is quite high. Um, and there are a lot of prenups that get held up that to all of us would look very unfair, especially after knowing, you know, maybe the couple's circumstances, someone did leave their career, etc. Um and those are held up. But you're right, that the amount of time before getting married is important, although most in most states um 30 days is most attorneys would tell you if it's at least 30 days, it's probably fine, which to me is way too short. I mean, that's way too short. You really have to start the process way, way before that to give it the kind of care and attention that it needs.

SPEAKER_01 20:40

Great advice. Um, and yeah, I would just mention like usually it is what it is after you've signed it. Maybe in those very disparate situations, there would be like different considerations for spascel or child support because of disparities that wouldn't necessarily be like pre-committed. Um just a lot to consider. It's it's a very it like you're not gonna go and renegotiate it in most cases. Um so tell me a little bit more about some of the um, you know, kind of interesting narratives or perspectives.

Common Prenup Mistakes And Better Prep

SPEAKER_01 21:18

Do most people that engage you, you know, kind of come with both people like fully on board, or is one person more skeptical? Um yeah, what are your real life experiences with prenups?

SPEAKER_02 21:31

Yeah, there's I think there's a fair amount of self-selection happening. And so usually by the time couples come to me, they're at least both open to the idea or open to considering a prenup.

SPEAKER_01 21:44

Um, I'm not sure that's representative of the total population, but um That's probably I mean, if you go to the length of both hiring an attorney as well as hiring a prenup coach like yourself who has the financial planning background, it's probably. Probably more of an ideal, thoughtful, slower situation than the average.

SPEAKER_02 22:05

Or it is the case that a family member has said you have to get a prenup if you want to inherit assets from your family. And the couple is thinking, okay, well, how do we this sounds really intimidating? How do we make this a better experience? And so that's where I can really support the couple. The best part about my job is that I can meet with the couple together. Your attorneys, unless you're going through a collaborative process, which is actually a fine solution. Yeah, that is a thing. Um, and if you're going through a collaborative prenup process, you actually meet as a group. You each have your own attorney there, but you're only meeting in groups and you basically commit to that. You don't have individual meetings. It's not my favorite, because like I said earlier, I do love the idea that each person is getting advised individually and kind of can ask the really uncomfortable things that might sound offensive to their soon-to-be spouse. Um, kind of ask some of the what-ifs that they may not be comfortable bringing up together. Um, but yes, that's an option. And but also if you've hired separate attorneys and you're meeting separately, I can still be one help meeting with you to talk about your goals for the prenup and kind of help you stay focused on what the purpose of this is and stay and reminding the couple to stay on the same page before going to their attorneys so that they're not having a lot of back and forth, which is unpleasant when you're communicating between attorneys, but it's also much more expensive.

SPEAKER_01 23:42

Makes sense. What do people what do people do wrong when they approach the prenup process? What have you what have what are the no-nos?

SPEAKER_02 23:51

So what do people get wrong? The main bad practices that I see all fall under that umbrella of rushing the process, and they include things like hiring the attorneys and starting the process before you've actually gotten on the same page about your goals for the prenup. So um, if anyone listening is planning to get a prenup, the number one thing you have to know to do is talk to each other first and have a clear bullet point list of like here are our goals for the prenup. Don't use any legal language because you're you'll get it wrong anyway. Just totally plain language, like I want to protect, you know, that my um investment accounts or my business or the home ownership that I already help have before we get married, um, things like that, and list that out together before you start the process with the with attorneys. Um, and ideally, I like for couples to focus on their plan A first, which is a financial plan, a joint financial plan they do together. How are how are we going to manage finances going forward in terms of cash flow, splitting expenses? What are our goals long term? What are our savings goals for those goals? Um, and that way that kind of lays that mean that lays a lot of the foundation, that plan A for the prenup, which is usually only a plan B. Um and it's different, you know, when you rush the process, you skip all of those first things. How do you know what rules you want around your assets and say your income in a prenup if you haven't figured out how you're gonna split up expenses and just kind of who's if one of you owns the home, who's covering the uh what which type of home expenses, whether it's maintenance or repairs, or if it's just the mortgage and utilities, like those are important things to flesh out before you're deciding who has what percentage of ownership of the house in a prenup.

SPEAKER_01 26:02

So true. And it's just so interesting. There's so many

Managing Money With Separate Assets

SPEAKER_01 26:05

different considerations. But the number one is like have a good fine foundation. I think also you mentioned Kaylin for you and your spouse, you your um some of your finances are separate in within your um marital household. Can you describe a little bit um about like I've had full ranges of um separate versus everything's hours? Um the one I find hardest to deal with or almost impossible is like where there's like no give, you know, like it's like here's the bill for dinner last night, um, or no information. Um, because eventually you're often or almost exclusively planning for some shared goals, at least, you know, for example, retirement. Um, and so that communication that you were describing as being fundamental to the start of the prenup process is also necessary, even if things are very separate.

SPEAKER_02 27:07

Yes, yeah, that so no information is really impossible. And and not my preferred. I mean, how do you do any? There's no joint financial planning happening there. Um, I have worked with couples who you know track their expenses on a monthly basis. They are splitting them based on a certain percentage, and they are reconciling at the end of every month with a Venmo.

SPEAKER_01 27:33

And I love joint accounts for joint expenses too, even if you have separate accounts for them, I totally agree.

SPEAKER_02 27:39

You know, I totally agree. It's better if you it's much better to fund that joint account at that ratio, that percentage ratio, and then use that for just because it's easier. But if for whatever reason it is important to a couple and that doesn't feel too tedious to them, like more power to them. And I the couples I've worked with who do it that way insist they're happy with it. And so um I give them my blessing.

SPEAKER_01 28:06

That's great. Like, I'm not here to judge, I'm that, but there is the one, like if you're completely separate and there's no information, but you're also on the hook for the other person if they haven't figured their half out, that makes me or they're building up debt that you don't know about, or you know, signing um personal guarantees on some business investment that you don't even understand is happening. Yeah, a business is our big biggies where you can your your personal balance sheet can be really harmed by a business balance sheet because it's very difficult to um secure debt outside of personal guarantees.

SPEAKER_02 28:42

Um But this is what the beauty of a prenup or a post-nop, that would be a great argument. Like if you're in that situation, you're like, I don't have the visibility that I want, it could be that somebody is just like needing that protection, like they're withholding information because they need the reassurance that this business is protected. Like put that in an agreement, like give that person that assurance. I mean, assuming that you you can make an agreement that's fair enough. Um, but like give them that reassurance so that you can have transparency. That I mean, that's the ideal path, so that you can talk openly about what you each have. Have you read Strangers by Bell Burden? I have it's on on my list. Uh, I already downloaded it and I'm going on a trip in a week and a half, so I'll be reading it for sure. I've heard a lot of it.

SPEAKER_01 29:29

I highly recommend um just for spoiler alert for listeners. Um, this is a memoir by a a generational wealth, a woman who inherited generational wealth, but it's about her marriage, and a um I would call a character in the memoir is the prenup, um assigned um against her um attorneys and advice in a way that um is um becomes very important as her marriage dissolves. Um great audio listen, that's what I did. Um so Kaylin, you're gonna enjoy reading the book, especially be but professionally, but it's just a very engaging book. Um, but that book is all about what happens when you get divorced and have a prenup. Um, I hope all the marriages have worked out with your clients. Have you gotten any feedback from people who did get married and then ended up dissolving their marriage in your work?

SPEAKER_02 30:24

I have no confirmation of any of my prenup couples getting divorced. Um it may happen, I'm sure that it will, um, just statistically speaking. But uh no, but I've certainly assisted with a large number of divorces. It's um part and parcel. A fact of life, yes. Part of being a financial planner.

SPEAKER_01 30:46

Yeah, well, I mean, it's just so um, you

Transparency Issues And Business Liability

SPEAKER_01 30:50

know, uh it's nice to have the pre-discussion because I also have quite a few divorce discussions, having previously had my CTFA and focused on that area. They never kind of go away after you start working with divorces. Um but um I know there's a lot of people that you know kind of wish they'd had the foresight to have both those like collaborative communications when it comes to money with spouses and partners, as well as you know, at least consideration, and not not everyone needs a prenup. Um it's not required, um, but consideration um when you um enter, you know, a contract like marriages. Yeah. Yeah. How can people stay tuned for um more of that work that you're doing in this space? And where can people find you, Kaylin?

SPEAKER_02 31:45

They can find me at the Prenup Coach on Instagram. That's where I am most frequently, and all of my resources and uh services are at kaylindillon.com.

SPEAKER_01 31:58

Awesome. Well, um, it was so nice to meet you, and thank you for doing such important work in kind of exposing a very interesting and relevant topic. So appreciate it.

SPEAKER_02 32:11

Thank you. Thanks for having me.

SPEAKER_00 32:22

Thank you for listening

Final Resources And How To Follow

SPEAKER_00 32:23

to the Women's Money Wisdom Podcast. If you found value in this episode, the best way that you can support the podcast is to forward an episode to a friend or leave a review. Go to ProPlan.com and the podcast link to get all the resources and links mentioned. This presentation by Pro Planning is intended for general information purposes only. No portion of this presentation serves as a receipt of or a substitute for personal investment advice from ProPlanning or any other investment professional of your choosing. Copies of Pro Planning's current rent and disclosure brochure and form CRS discussing our advisory services and fees are available upon request or on our website platform at proplan.com. The information that we share is meant to educate and inspire, not serve as personalized financial advice. Everyone's situation is unique, so be sure to consult with your own financial professional for guidance that fits your life. And just so you know, the opinions shared in this podcast are Melissa's own and those of our guests. They don't necessarily represent any organizations with which Melissa is affiliated. For more important disclosures, please go to our webpage at ProPlan.com.