Episodes

Do you set safe boundaries for spending money? Are you making purchases that feed your soul or stoke your ego? Danielle Howard is here to explain why these questions matter. In the final part of her mini-series, Danielle explains why setting spending boundaries and making purchases with joyful intention go hand in hand. In this episode, you’ll learn: Why we need to ask ourselves the question: just because we can, should we? How purchasing personalities shape spending patterns Why safe boundarie...

People often believe that positive affirmations are like magic — just say them enough and it will happen. However, it’s not that easy. In part three of her financial affirmations mini-series, Danielle Howard explores the building blocks of financial affirmations. She uncovers how you use affirmations to grow, protect, and nurture your financial life in your fall season. In this episode, you’ll learn: Tools to help you create and keep a positive vision of what’s ahead of you — and how Danielle...

The mindset many people have around giving can sometimes diminish the significance of generosity. Oftentimes, we give without having a sense of why we do it or why we share our resources with certain organizations. Today, Danielle Howard is here to help you shift your thoughts around giving, allowing you to truly experience the joy of sharing with others. In part 2 of Danielle’s four-part financial affirmations mini-series, you’ll learn: What it means to share your resources with moxie Why maki...

Danielle Howard is determined to change the way people see retirement. Our media and financial services industry have led us down a path where our mindset around retirement often creates feelings of guilt and shame. Now, Danielle’s working to change those negative money mindsets through financial affirmations! In this first part of Danielle’s Financial Affirmations mini-series, Danielle explores how you can bring money into your life with integrity, dignity, competency, grace and joy. Danielle ...

Our culture, media, and financial industry are constantly telling us what our retirement season should look like. You may even feel ashamed or resentful if your retirement lifestyle seems like a far cry from their idealistic messages. That’s where Self Determination Theory (SDT) comes in. In this episode, Danielle Howard explains how retirees can use SDT to find meaning in their fall season, rather than becoming entangled in the fear of missing out. Danielle discusses: What SDT is and three inn...

Financial advisors typically focus on helping clients set goals. It’s easy to see why — it’s fun for clients to check off their accomplished goals, and it’s rewarding for advisors to help clients reach their milestones. However, Danielle Howard believes that goal setting isn’t enough. In this episode, Danielle explains why dealing with life transitions is where the true financial life planning happens. She discusses: Why advisors do their clients a disservice by only focusing on the fun aspects...

In part two of her mini-series on how to flourish during retirement, Danielle Howard explores the different ways that you can blossom emotionally during this fall season of life. Here’s what you will learn about in this episode: Five core elements of psychological well-being and happiness in Dr. Martin Seligman’s PERMA model The transformative impact of embracing an attitude of gratitude around our finances What it means to find moments of engagement in your fall season How to foster relationsh...

In part one of her mini-series, Danielle Howard explains how you can prepare for the distribution season of your life so that you can flourish financially. Here’s what you will learn about in this episode: Longevity ambiguity: how to avoid running out of money before running out of life Preparing for spending shocks, such as the loss of a spouse or unforeseen healthcare expenses Finding your ‘why’: why do you want to flourish financially during your rewirement? What to consider once you’ve foun...

Imagine transitioning into your fall season of life—in other words, your retirement phase. What type of risk might you experience? In today’s episode, Danielle Howard explores that very question as she discusses the areas of risk that tend to come with life’s fall season. Covering everything from market risk to longevity risk, Danielle explores the qualitative and quantitative sides of retirement risk, while highlighting the importance of rewiring or refiring as you enter your retirement years. ...

Following up on the previous episode, Danielle Howard digs even deeper into the four money personalities: fire, earth, water, and air. It’s important to realize your financial personality because of its impacts on all areas of life, including your career choice, who you choose to spend your life with, and whether that relationship will endure or end. How might your money personality shape your life course? What strengths and challenges come with each personality? Danielle has the answers in this...

Everyone has a financial personality. In fact, we’re likely to have a blend of four financial personalities. Once you start to recognize them, you can gain deeper insight into who you are financially. And you’ll start to better understand those around you. Using the four elements of earth, fire, wind and water, Danielle Howard outlines the strengths and attitudes of each unique personality, along with the challenges and obstacles that can negatively affect each personality and their financial he...

Feelings of entitlement and unforgiveness can stop us from reaching our full potential in our financial lives. Danielle Howard likens these feelings to weeds, which tend to consume anything good that we’re trying to grow. In this episode, Danielle explores how these weeds might be influencing our quality of life, including our financial health, in ways we never realized. Astute and empathetic as ever, she also shares her own experience with unforgiveness and suggests how we can stop those weed-l...

Money is just a tool. It doesn’t have a character, but sometimes our attitudes and feelings about money seem to take on a life of their own, leading us in directions that don’t serve us. On the other hand, our attitude and feelings towards money may help us live according to our values. In this episode, Danielle Howard unpacks a concept called “money scripts.” Money scripts form in our minds over a lifetime. They’re like tapes that constantly play in our brains, reciting our notions and feelings...

Do you know the difference between applying knowledge versus wisdom to your financial life? Danielle uses her insight and experience as a financial advisor to clarify the difference. In this episode, Danielle defines wisdom and knowledge, explains how to implement them in this fall season of life, discusses how a fear of missing out can influence us, and recommends conversations to have with the key people in our lives. Tune in and learn how you can apply knowledge and wisdom to your retirement ...

Today, Matt Halloran and Danielle Howard talk discuss what it means to be a victor over your financial life rather than a victim. Using her characteristically insightful and empathetic approach, Danielle shares how you can step into your next best financial self and why it’s especially important for retirees to make this shift. Join Danielle in this exploration. You’ll walk away with a new view of retirement and what it means to take control of your financial life. Danielle Howard 4U | Wealth By...

Today, Matt Halloran and Danielle Howard discuss the importance of turning over a new leaf and making a fresh start, financially. When the recession hit in 2007, retirees worldwide had a hard time getting back on their feet. Still shaken, many retirees and pre-retirees are making fear-based decisions that are only holding them back. In this episode, Danielle gently challenges those behaviors and emphasizes that we’re in a new season life now. It’s time to turn over a new leaf and redefine what r...

In today’s episode, Danielle Howard discusses her financial philosophy with Matt Halloran. Perceptive as always, Danielle reveals the often unspoken ways in which people interact with and view money. Then, she describes the financial seasons we all experience, along with the three financial hurdles—discomfort, discontent, and distrust. Tune in and learn about Danielle’s down-to-earth approach to financial planning and how our relationships with ourselves, others, and finances are all interconnec...

Welcome to the first episode of the Wealth Done Differently – Retirement Podcast. In this episode, you’ll meet your host, Danielle Howard, a Colorado-based CFP® who specializes in retirement planning. Danielle refers to retirement as the “fall season” of people’s lives. It’s a time to rewire and put all the financial puzzle pieces together. It’s a journey that Danielle guides her clients through with empathy and passion. Tune into and learn more about Danielle as she describes the heart of her p...