Life’s course has seasons, and there are reasons for seasons. There are trial and triumph periods and challenge and champion moments. These seasons manifest willingness for change and aspiration. When our life and money work towards the common goal of well-being, the human in us feels that harmony. Life Money Balance™ happens when your life leads your money, not your money leads your life, and your life and money work concurrently to achieve your life design. The LMB journey unlocks the self-permission and courage to Live Asprstnly™. You will hear a story of darkness to light that sparks value alignment, bold aspiration, and abundant achievement. What LMB means and how to harness its value to Live Asprstnly™.

There’s constant overlap in life and money, and that’s why there are two HSAs. The money HSA is Health Savings Account, a tax-advantaged financial savings & investment tool to use for qualified medical expenses across the life course and retirement after that. It is one of the best financial tools since sliced bread. What is an Emotion-Foward HSA? It’s sliced bread that’s warm with butter. E-HSA is an Honest Self Audit that helps people discover their AAA (Ahh!) moment. One that requires one to admit where they are acknowledge their feelings and takes action to the next steps toward their aspirations. Hear how being vulnerable, introspection, mindfulness, courage, and more can help you process, unlock and discover your life and money aspirations.

Many people find it challenging to have life and money conversations. These conversations are challenging enough within oneself, considering financial journey factors such as financial education, wellness, and a host of life continuum factors. How are conversations among spouses or children and young adults? Can we transfer conversations to compound assets? The fundamental investments of self-worth and self-value (SWSV) may help young people. You’ll find that socializing and investing in SWSV with children through teen-adult years, coupled with the socialization of money conversations, can be compound assets in life and money. Conversations can help couples lower life and money conflicts and improve relational health. Hear intriguing stories and learn frameworks that could help with compound assets.

Money is on our minds constantly. People have money anxiety, worry, aspirations, and perceptions about now and the future. Financial psychology (FinPsy) of how we think, feel, behave, and make money decisions. FinPsy encompasses the Financial Compassion (FinCom) of engaging with ourselves and others and considers our personhood of being heard, valued, and belonging through our unique experiences and culture. FinPsy and FinCom help us learn, accept, and apply the financial education we need to achieve financial wellness. You hear about how these facets intertwine and educate on the money mechanics that will help shape your Life Money Balance™.

The shape of the client-planner relationship is more dynamic, and the arc is more human. Integrating Financial Psychology (FinPsy) in your practice facilitates client communication and connection, which helps establish trust. FinPsy creates an environment of empathy and understanding for the human discovery process, unlocking conversations that inform the financial planning journey across the continuum. Find out what FinPsy is, where FinPsy fits in the FinPlan process, the tools to activate, and how FinPsy benefits the planner, your practice, and your client.

Trust and engagement are often the biggest external and internal hurdles for prospects and early-relationship clients (ERC) to work with planners. Externally, “can I trust this service person with my life money story and receive beneficial advice?” Internally, “when am I going to engage with my personal finance journey, and will I be fond of the engagement experience?” Much data exists about the cross-disciplinary use of storytelling and the benefits of intentional listening paired with motivational interviewing. Combining these tools can be used to increase connection and engagement with prospects and clients through the practice of vulnerability and authenticity.

The money psychology of spending can tremendously affect our financial and life well-being. Harmful emotional and behavioral practices such as impulse, frivolous, and unaccounted-for spending can derail and delay life aspirations and financial goals. These increased levels of uncertainty increase the "fear narrative" around spending. The "YOLO" (you only live once) approach to spending is a pendulum swing from the restrictive "savings-plan narrative" and thus the adoption of the "spending-plan narrative." Another narrative is the "badge-of-honor" narrative, such as the potentially increased future life and financial well-being from the trade-off of near-zero utility from tangible good consumption. We discuss how to modify the YOLO narrative, reduce the fear narrative, reframe the saving narrative, and stop the spend shaming derived from the badge of honor narrative to form a relatable life-stage-centric spending plan.

Every person has unique personality traits that influence the way they think, feel, behave, and make decisions under uncertainty. One popular measure of personality traits is the Big 5. Traits can help provide insight into how individuals associate with many money domains. Much research exists on the association of traits and personal finances. You will hear a review of those while hearing more specifically on areas of traits and financial risk protection areas such as life, longevity, and long-term care. You will also hear about how certain traits associate with saving for investing outside auto-enrollment defined contribution plans and more with saving and investing in vehicles such as IRAs. By investigating our traits, planners and clients can uncover information that helps us have more productive conversations to better process information and make decisions.

Financial Wellness Financial Coaching Financial Education Financial Planning Profession Insurance Profession Charitable Giving Profession Employer Benefit Group Corporate Event Small Business Event Associations Non-Profits

Behavior, psychology, emotions, decisions of money (no shame, no judgment, emotion-safe environment) Money conversation frameworks (relational, generational, young-adult) Financial freedom (“retirement”, life stage transitions, generational wealth) Money management (spending plan, credit, uncertainty Investing (stocks, index funds, 401k, IRAs) Risk protection (life, health, long-term care, annutity) Equity compensation (employer stock options) Charitable giving Small business retirement plans