Episodes

What do icebergs have in common with your financial life? In this episode, Danielle Howard discusses how your financial life during your fall season is similar to an iceberg. As you will soon learn, the portion of an iceberg that you can see floating in the water is only the tip of your financial life. The massive portion hidden below the waterline is the really important part; that is where the dangers lie, where the growth happens, and what keeps your tip above water. In this episode, you’ll l...

Creating a life by design, not by default, will help you to create your best decade. In this episode, Danielle Howard speaks with an organizational strategist and leadership coach Carolyn Buck Luce. Carolyn shares what it means to play the Decade Game®, which she created to help people push past the frustrations and stressors of playing by the rules that often keep them on the sidelines instead of in the midst of the action. Let’s get into the game and live our best decade. In this episode, you’...

As we now sit late into the fourth quarter, are you ready for 2020? Are there things you can do to make the most of the year ahead? In this episode, Danielle Howard talks about the three top-of-mind items that may have financial implications for you in 2020, including spousal IRAs and required minimum distributions (RMDs). During such a busy time with the holidays fast approaching, Danielle will show you what actions you can take now to have a great 2020. In this episode, you’ll learn: How to m...

Writing letters or emails is a great way to nurture relationships with friends and loved ones. Why not take the same approach with your money? In this episode, Danielle Howard shares what she learned long ago about the importance of developing and nurturing her relationship with money. Staying in touch and being connected has helped her to be more aware, intentional, and respectful of her relationship with money and the part she allows it to play in her happiness. In this episode, you’ll learn: ...

Sometimes our emotions get in the way of making good financial decisions. In this episode, Danielle Howard talks about a time when she made an emotionally charged decision to buy an expensive product and quickly regretted it. This is a candid conversation about our human tendency to make imprudent decisions when under emotional duress and how to recover. Be encouraged to make financial decisions that leave you feeling confident and satisfied. In this episode, you’ll learn: About the three Ps fo...

How are you protecting yourself and your aging loved ones from fraudulent behaviors? In today’s episode, Danielle Howard brings in a guest and friend Jason Gross, an examiner with the Colorado Division of Securities, to discuss how to keep yourself and the ones you love safe from financial fraud activities. And as you will soon find out, often the people who fall victim to fraud are the ones you’d least expect. In this episode, you’ll learn: Why so many people fall for financial fraud scams Pos...

Every once in a while, you probably read a book that you can’t put it down. It grabs your heart and transports you to a different place. For Danielle Howard, that book was “The Second Mountain: The Quest for a Moral Life” by David Brooks. In this episode, Danielle takes inspiration from Brooks’s writing as she explores the commitments that define a life of meaning: to a spouse and family, to a vocation, to a philosophy or faith, and to a community. In this episode, you’ll learn: About staying t...

We all want to age well, no question about it. But in our changing society, in which we’re living longer and redefining our existence in retirement, what does it mean to age well? Today, Danielle Howard speaks with Tina Staley, a therapist, clinical researcher, and award-winning author. In a characteristically rich and passionate conversation, they explore the steps to aging well and leading a fulfilling fall season that you can be proud of. In this episode, you’ll learn: The three steps to agi...

Your fall season of life will be very different than your summer season. As you prepare for the oncoming transition, there are several financial considerations to keep in mind. Today, Danielle Howard uncovers four financial areas to look at when preparing for your fall season: longevity, lifestyle, liquidity, and legacy. Danielle explains why each area is important to consider and highlights how they each differ in the accumulation phase compared to the distribution phase. In this episode, you’l...

Through years of experience, Danielle Howard has learned that rewiring to something — not from something —makes a big difference in the transition into life’s fall season. To help you transition into your fall season, Danielle enlists in the help of retirement and management coach, Denis Wuestman, co-founder of Retirement Wisdom. Today, Denis highlights the non-financial aspects that pre-retirees should consider while planning ahead for their next season of life. In this episode, you’ll learn: ...

What motivates you as you make financial decisions? To help you better understand the “why” behind your money motivations, Danielle Howard explores different money motivators and how they can impact your mindset and spending decisions. Take note of these motivators and ensure that you’re being driven by your values as you progress into your fall season. In this episode, you’ll learn: The difference between intrinsic and extrinsic motivators Why we should assess the messages from media and the f...

We all want our kids to thrive. But when you financially support an adult child, are you helping or hindering them? Today, Danielle Howard shares tips on how to handle financial situations with your adult children. Focusing on the word “respect,” Danielle provides seven useful tips to help you decide whether you’re helping or hindering your adult children. In this episode, you’ll learn: The importance of having respect for not only your children but also yourself The importance of helping yours...

With all of the positive changes that new legislation can bring to our lives, it’s important to also consider the less appealing changes that can come with it. After uncovering the new possibilities that the SECURE Act could offer us in part one of her mini-series, Danielle Howard is back with a critical eye to explore its potential downsides and discuss options for adjusting your financial decisions accordingly. In this episode, you’ll learn: What the elimination of stretch IRAs could mean for...

Did you know there is a new piece of legislation called the SECURE Act that could possibly go into effect on December 31 of this year? When it comes to our financial lives, Danielle Howard is all about keeping an open mind towards intentional opportunities to grow. To do so, it’s important to understand how changes in public policy can impact the decisions you need to make in your financial life. Today, Danielle helps you stay informed on what the SECURE Act could mean for you and your financial...

Many clients don’t know what to expect when meeting up with their financial professional and simply go along with what they’re told. However, Danielle Howard wants you to get the most out of your client-advisor relationship. Today, Danielle breaks down the rights clients have when working with an advisor, along with the qualities to look for and the questions you should ask to find an advisor who’s the right fit for you. In this episode, you’ll learn: Why your advisor should make you feel accep...

The gig economy is bringing good news to retirees who want to create income during their fall season. What will your good news be? Today, Danielle Howard discusses how retirees can make the most of the shifting retirement landscape by staying clear on what’s important, building on character assets, and using financial assets wisely. Danielle additionally shares her own story of how she used her assets to make her dream a reality. In this episode, you’ll learn: How the gig economy is changing th...

We take care of our physical health by stretching and building stamina, strength, and stability. But did you know that there are tremendous benefits to applying these actions to our dollars? Today, Danielle Howard builds off of the four S’s of physical health and looks at how we can exercise the same principles in our financial lives to boost our potential for success as we build our version of true prosperity. In this episode, you’ll learn: How we can strengthen our dollars with intention and ...

When the time comes to retire and rewire, your financial life isn’t the only thing that changes. In today’s episode, Danielle Howard explores the physical health changes that come with the fall season of life. With the help of Amanda Wagner, CEO of TAC FITness and Wellness Center in Basalt, Colorado, Danielle and Amanda share insight into the impact these physical changes have on our health and ways to be proactive for a stronger tomorrow. In this episode, you’ll learn: The four S’s of physical...

What financial advice do you wish you could give your younger self? At Youthentity, children and teens are learning the important financial literacy lessons we all wish we had learned a little sooner. Today, Danielle Howard is joined by Youthentity Executive Director Kirsten McDaniel to explore the great impact Youthentity’s “I Am Financial Knowledge” program is having in the Colorado Valley, and how their program works to empower youth around money. In this episode, you’ll learn: Why Youthenti...

How do your values flow through your everyday life? Today, Lynne Twist joins Danielle Howard for an eye-opening episode on the power of integrating your values and intentions into all areas of your life. A recognized global visionary who works to alleviate poverty, end world hunger, and support social justice and environmental sustainability, Lynne shares how she finds deeper fulfillment by living her life according to her values, not monetary things. In this episode, you’ll learn: About Lynne’...

When was the last time you focused on taking care of you? Joined by Donna Lee Humble, a certified holistic wellness coach specializing in bioenergetic testing and emotional release, Danielle Howard discusses how women can uncover their best self using Donna’s three Rs from her Higher Self-Care Series. In this episode, you’ll learn: The importance of rebalancing and how it affects all areas of our lives Real life examples of women’s transformations after moving through the three Rs How often you...

Are you ready to get intimate? Today, Danielle Howard joins forces with Jeff Cole, a board certified coach with a master’s degree in contemplative counseling psychology, to explore how mindfulness can bring greater emotional and financial intimacy to your relationships. In this episode, you’ll learn: How everyone’s unique stories affect their relationships Jeff’s five elements of a healthy relationship How recognizing and sharing your personal history can foster emotional safety and trust How m...

Do you want to talk to your spouse about getting ready for your fall season, but you’re not sure where to begin? Today, Danielle Howard will help you open the communication floodgates by exploring how to have thoughtful, meaningful, and intentional dialogues with your spouse about what to expect in retirement. In this episode, you’ll learn: About the four areas of your financial life to reassess as you go into your fall season How our life experience can influence our mindsets surrounding retir...

It’s time to get rid of the clutter that’s weighing you down, both in your everyday life and financial life. Today, Danielle Howard is joined by special guest, Evan Michael Zislis, a professional organizer and author of the Amazon bestseller ClutterFree Revolution: Simplify Your Stuff, Organize Your Life & Save the World. Together, they explore how Evan helps people simplify their lives so they can focus on what matters most: who you love, what you do, and how and why you live. Here’s what you’l...