-
Welcome!
Welcome to Face the Fear!
We are Nicole Ellsworth and Kaitlyn Duchien, two motivated millennials on a journey to face the fear of our financial future.
We created this safe space where we will dive into topics like retirement, budgeting, student loans, investing, insurance, financial terms, etc. We are passionate about educating ourselves and others in the process. Join us as we change the conversation around finances and approach our future with confidence.
If you like us, follow us here, Facebook, Twitter, Instagram and subscribe to our podcast: Face the Fear. (Social media links are on the top right of this page.)
*Disclaimer: We are not here to give legal financial advice. We highly encourage you to bring the topics we discuss to a financial professional, who is qualified to address your specific financial goals.*
It’s time for some real talk, and we are so excited that you are here to join us!
Until next time – Face the Fear!
–Nicole and Kaitlyn
-
Face The Fear Podcast – Cash Value Life Insurance with Thomas Losher and Austin Ash
Thomas Losher and Austin Ash are two innovative experts in the cash value life insurance space and young leaders within their organization. From growing up together as kids in Fort Wayne, IN to pioneering the future of insurance as colleagues, Thomas and Austin have developed a steadfast friendship centered on challenging one another to become their best selves. In this episode, they share their unique perspective on the value of life insurance and its importance in an overall financial plan for people of all ages.
We cover topics like:
- What exactly is cash value life insurance? How does it work and why would someone want to consider it as a part of their financial plan?
- Are there downsides to having cash value life insurance?
- Can you access funds in a cash value life insurance policy? What does that look like, and how does it affect the policy long-term?
- What is tax diversification and why is it important, specifically as it applies to our generation – Millennials and Gen Z?
Connect with Thomas Losher: LinkedIn
Connect with Austin Ash: LinkedIn
Face The Fear:
P.S. Kaitlyn Duchien, Austin Ash, and Thomas Losher are registered representatives of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.
-
Face The Fear Podcast – Financial Wisdom with Bentley Heese
Bentley Heese is a Retirement Income Consultant and a proud father of Millennials who is eager to share the financial wisdom he’s acquired over the years with younger generations. In this episode, we dive into topics like:
- As a parent of Millennials, how did you instill good financial awareness and skills in your children from an early age?
- How do you think finances, budgeting, retirement, etc. has changed between your generation and your children’s generation?
- What can Millennials and Gen Z be doing today to create financial security for themselves in the future?
Connect with Bentley:
Email: bentley.heese@ashbrokerage.com
Cell Phone: 804-873-1511
P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.
-
Face The Fear Podcast – Women, Money, and Mindset with Abby Vick
Face The Fear Podcast with Abby Vick Abby Vick is a powerhouse financial advisor and entrepreneur. After graduating from Taylor University with a social work degree and working in the Active Trader Group at Charles Schwab, Abby founded Paradigm Money Management with the goal of revolutionizing the financial services industry. She empowers women to dramatically shift their thinking around money and awaken their full financial potential. In this episode, we tackle questions like: –
- What changes should the financial industry make to stay relevant and serve people who traditionally lack financial education?
- Why is it important to be wealthy instead of being rich? How do I build wealth?
- What is the fear/greed cycle?
- What unique challenges to women face when planning for their financial futures? How can we overcome these challenges and thrive?
- Tips to start investing!
Connect with Abby:
Statistics:
53:00 – https://www.statista.com/statistics/242030/marital-status-of-the-us-population-by-sex/#:~:text=In%202020%2C%20there%20were%2068.43,and%2011.27%20million%20widowed%20women.
53:30 – https://www.forbes.com/sites/margueritacheng/2019/02/26/grey-divorce-its-reasons-its-implications/?sh=7292d72a4acd 53:38 – https://www.nirsonline.org/2016/03/women-80-more-likely-to-be-impoverished-in-retirement/
1:01:00 – https://www.strategymarketing.ca/wp-content/uploads/Why-women-leave-their-financial-advisors-and-how-to-prevent-it.pdf
1:12:00 – https://newsroom.fidelity.com/press-releases/news-details/2017/Fidelity-Investments-Survey-Reveals-Only-Nine-Percent-of-Women-Think-They-Make-Better-Investors-than-Men-Despite-Growing-Evidence-to-the-Contrary/default.aspx
P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.
-
Face The Fear Podcast – Overcoming Money Limitations with Elyse Archer
Are you feeling stuck financially? Are you overwhelmed and burned out, yet don’t seem to be making any progress in your career? Are you ready to overcome your limiting beliefs and achieve your greatest desires? Then, this episode is for you!
In this episode, we are joined by Elyse Archer, the founder of She Sells, a coaching program and community for women in sales who are breaking through six figures and revolutionizing the way sales is done. Elyse provides fascinating insights into topics like:
- What are the most common money myths or limitations that you hear from women you work with? How can we overcome them?
- How can women sell in a way that feels authentic to them?
- What is the She Sells Method and the $10k Club?
- How can I stand out and best market myself on LinkedIn?
- What are a few ways we can begin to overcome our self-defeating tendencies and leverage our personal power today?
She Sells Radio Learn more about Elyse at www.ElyseArcher.com
- Your First Six Figures Masterclass: www.elysearcher.com/sixfigures
- Free Ebook – How to Create a Six Figure Morning Routine: https://elysearcher.com/how-to-create-a-six-figure-morning-routine/
- She Sells Radio: www.elysearcher.com/podcast
Face The Fear:
P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.
-
Face The Fear Podcast – Disability Insurance with Meghan Cormany
Welcome Back to Face The Fear Podcast: Season 2! We have missed you!
In this episode, we are joined by Meghan Cormany, a Disability Insurance (DI) Sales Development Specialist at Ash Brokerage (and just a fabulous human being overall). Meghan builds on our previous DI podcast with Tim Kukieza by answering questions such as:
- Why should a Millennial consider having Disability Insurance (DI)? When is the best time to purchase coverage?
- How can someone choose the right DI coverage for them?
- Are there certain occupations that claim DI benefits more than others?
- Does DI cover loss of work due to depression, stress, or other mental health issues?
- If I pay for DI and never claim benefits, do I lose all of the premiums I paid? (The answer may surprise you!)
Questions? Email us at facethefearfw@gmail.com!
Meghan Cormany: LinkedIn
Face The Fear:
P.S. Kaitlyn Duchien is a registered representative of First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000. Content provided is for informational use only and is not to be constituted as financial advice.
-
Is the Stock Market Too Accessible?
Written by: Nick Shoemaker
It is now easier than ever for the individual to start actively investing in the stock market. Apps such as Acorns and Robinhood have made the process significantly easier and quicker than ever. The account minimums for these investment apps are either next to nothing ($5 for Acorns), or actually nothing in Robinhood’s case. This means that a high school senior with a minimum wage job and a smartphone has the power to start growing their money, and does not need to get a financial advisor involved. The new wave of investors that these apps have recruited has led to major changes in people’s account balances, both drastically positive and negative.
There are entire online communities, such as subreddit r/wallstreetbets, that are dedicated to posting both success and horror stories of individual’s risky investment positions. These often young investors either win big, win big and then lose all their gains by reinvesting into equally risky investments, or lose everything entirely. Due to this, there have been calls for more regulation for apps such as Robinhood. However, is this the only solution?
More regulation on investing apps means the less opportunity for people with lower income to grow their wealth through the stock market, which does not benefit anybody. Taking away accessibility is not the only option to protect people.
The best way to protect new investors is through education. Many young people are seeking financial education, but are finding they are not learning these skills in their traditional schooling. Teaching the basics of finance, including the stock market, in the American education system will not only prevent the short-term losses we are seeing currently, but create a financially savvy person throughout all of life.
Though a lot of responsibility of education should be within the school system, investment apps targeted at people with lower income can and should do more to educate within their own apps. Financial education content within the app itself would further improve financial literacy within the younger demographic.
Regulating investing apps to provide less investing options and increase account minimums does nothing but gatekeep the stock market from lower income individuals. Providing more financial education will give more people the tools they need to become financially sound.
Nick Shoemaker is a registered representative of and securities offered through First Palladium, LLC, Member FINRA and a wholly-owned subsidiary of Ash Brokerage, LLC. Supervising office located at 888 S. Harrison Street, Suite 900, Fort Wayne, IN 46802. 800-589-3000.
https://www.iflr.com/article/b1nfdm47g0ygd5/opinion-robinhood-needs-more-regulatory-oversight
https://www.schwabmoneywise.com/public/moneywise/tools_resources/young_adults_money_survey
-
Face The Fear Podcast – Estate Planning with Kelly Dancy
In this episode, we are joined by Kelly Dancy, an Estate Planning Attorney with Walny Legal Group in Milwaukee, WI. Kelly breaks down the importance of Estate Planning and busts several common myths, like “I only need to have an estate plan if I’m old and have a lot of money.” (SPOILER ALERT: that is FALSE!)
We also cover:
What happens if someone dies without an estate plan?
How are estate plans created?
Other than a will, what are a few other important documents for estate planning
How should Millennials start a conversation with their parents/grandparents about creating or revisiting their estate plan?
Questions? Email us at facethefearfw@gmail.com!
Kelly Dancy:
Website: https://walnylegal.com/
LinkedIn: https://www.linkedin.com/in/kelly-dancy-30016214/
-
Face The Fear Podcast – Entrepreneurship with Tim Ash, CEO of Ash Brokerage!
Photo Cred: @ashbrokerage on Instagram Face The Fear Podcast is BACK & better than ever! In this episode, we’re joined by fearless leader & entrepreneur Tim Ash, CEO of Ash Brokerage. Grab some coffee and listen in as we discuss what leads to success, how to stay inspired, and when it’s time to step outside your comfort zone. Prepare to be encouraged, motivated, and empowered to overcome whatever is holding you back!
Questions? Email us at facethefearfw@gmail.com!
Face The Fear:
- Instagram – @face.the.fear
- Facebook – https://facebook.com/FaceTheFearFW
- Twitter – @Face_The_Fear
- Website – www.facethefearfw.com
- YouTube: https://www.youtube.com/channel/UC5PcXSzVvR9KZKWm4Ihh3pg
-
We’re Back! (& We Missed You!)
We’ve taken a beat to breathe, recollect and we’re baaaaack! We’ve missed you and are so excited to connect with you again!
📷: @deanoyer -
Bull & Bear Markets: A Timeline
Infographic By: David Hessel, Fiduciary Financial Advisor in Brookfield Wisconsin
On March 11, 2020, the Dow Jones Industrial Average (DJIA) officially entered a bear market. This drop brought the all-time high of 30,000 to 19,000 in a matter of weeks amidst the COVID-19 global pandemic. As we face an uncertain road ahead, let’s take a look back at history’s most recent bull and bear markets, as outlined by the S&P 500.
Bear Market: Marked by a 20% (or more) drop in securities prices from the most recent high, resulting in investor distrust & a downward trend in value.
Bull Market: An extended period in time in which stocks & other traded commodities continuously rise in value.
Looking for guidance on how to be financially stress-free? Schedule a 30-Minute Phone Call with David Hessel, Fiduciary Financial Advisor in Brookfield Wisconsin, here or send him an email at dhessel@gvcaponline.com.
You can find the original post here.
GVCM is an SEC Registered Investment Advisory firm, headquartered at N14W23833 Stone Ridge Drive, Suite 350, Waukesha, WI 53188. PH: 262.650.1030. David Hessel is an Investment Adviser Representative (“Adviser”) with GVCM. Additional information can be found at: https://www.adviserinfo.sec.gov/IAPD/Global View Capital Insurance, LTD. (GVCI) insurance services offered through ASH Brokerage and PKS Financial. David Hessel is an Insurance Agent of GVCI. Global View Capital Advisors, LTD is an affiliate of Global View Capital Management, LTD (GVCM). This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.