Podcast
The Truly Rich Life Project—Because the richest lives are built on more than money.
Hosted by Melissa Moss, CFP® · EN
The Truly Rich Life Project—Because the richest lives are built on more than money.
This is a show for the builders, dreamers, and legacy-makers who are investing in more than portfolios — they’re investing in a life that means something.
Hosted by Melissa Moss, a Certified Financial Planner® and purpose-driven storyteller, The Truly Rich Life Project explores the real currency of life: connection, creativity, contribution… and yes, sometimes cash.
Through real conversations with entrepreneurs, community leaders, everyday legends, and unexpected success stories, this podcast is about using money as a tool — not the goal. If you're building wealth to support your family, your values, and a future worth living… you're in the right place.
Subscribe for weekly episodes that bring insight, inspiration, and a little financial wisdom to help you live richly — in every sense of the word.
New episodes are released weekly. Subscribe now and take the first step towards your Truly Rich Life!
Connect with Melissa:
https://melissamoss.co/newlsetter/
https://www.facebook.com/melissamosswealth
https://www.linkedin.com/in/melissarmoss/
Melissa Moss is a Registered Representative with, and securities and advisory services offered through, LPL Financial, a registered investment advisor, Member FINRA/SIPC.
The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.
10episodes
Episodes
Newest firstAll episodes
023 | Retirement Realities: Single vs. Married
Jan 22, 202500:17:30Tap to summarizeRetirement's a little different when you're single than when you're married. Here are some planning considerations for thinking through preparing for a solo retirement. And, of course, I include a little too much personal info about myself. Happy planning!
Transcribe →022 | This Stenographer's Financial Advisor Is Retiring And Her Search For A New One Is Actually So Relatable
Jan 14, 202500:32:36Tap to summarizeShow Notes:Episode Summary:In this episode of Plan the Retirement You Want, Melissa Moss dives into an important topic for anyone navigating their financial future—how to choose the right financial advisor or investment planner. Melissa shares an enlightening conversation with Deborah, a stenographer seeking a new advisor after her long-term advisor’s retirement. They explore Deborah’s journey, her priorities, and the key questions she’s asking to find the perfect fit.Whether you're switching advisors, working with one for the first time, or considering managing your own investments, this episode is packed with valuable insights to help you make informed decisions.What You’ll Learn in This Episode:The essential qualities to look for in a financial advisor.Key differences between fee-only, fee-based, and commission-based advisors.How to identify a fiduciary and why it matters.Questions to ask potential advisors during the interview process.Why the relationship and trust with your advisor are as important as their credentials.Key Moments:[2:15] Meet Debra and her quest for a new advisor.[6:45] The importance of aligning your financial goals with your advisor’s approach.[15:30] Breaking down payment models: fee-only, fee-based, and commission.[21:45] How personal connections and communication impact the advisor-client relationship.[31:10] Pro tips for interviewing and selecting your next advisor.Resources Mentioned:CFP Board’s advisor search tool: www.cfp.netSchedule a virtual coffee with Melissa: plantheretirementyouwant.com/coffeeJoin the Conversation:If you’re ready to start interviewing financial advisors or want to learn more about retirement planning, Melissa would love to hear from you! Reach out at melissa@melissamoss.co or visit plantheretirementyouwant.com.Subscribe & Review:If you enjoyed this episode, please subscribe and leave a review! Your feedback not only makes Melissa’s day but also helps others discover valuable retirement planning insights.
Transcribe →021 | Not Your Grandpa's Retirement: Retirement Coach Reveals How to Navigate Post-Career Identity Crisis (Feat. Monica Premo)
Jan 7, 202500:30:59Tap to summarizeWhat happens when you have your retirement finances sorted but struggle with the identity shift? Retirement coach Monica Premo discusses how to find purpose and excitement in your post-career chapter. Learn why modern retirement isn't about slowing down, but rather an opportunity to reinvent yourself and pursue new passions.Key Topics:Challenging retirement stereotypesFinding purpose beyond career identitySetting meaningful retirement goalsUsing self-reflection for personal growthCreating structure while maintaining freedomFeatured Guest:Monica Premo - Certified Life Coach specializing in retirement transitionsResources Mentioned:Workshop Registration: myencorecoach.com/wordWebsite: myencorecoach.comLinkedIn: Monica PremoUpcoming Event:Word of the Year WorkshopDate: January 18, 2025Time: 10:00-11:30 AM ESTFormat: Virtual (Zoom)Cost: Free (VIP option available for $27)Subscribe:Newsletter signup: melissamoss.co/newsletterDisclaimer: Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced are for general information only and not intended as specific advice.
Transcribe →020 | What to Do Now for Quality of Life Later feat. Catherine Toomer, MD
Jan 3, 202500:34:54Tap to summarizeWhat to Do Now for Quality of Life Later — Interview with Dr. Catherine Toomer, MDWebsite: https://drtoomer.comYouTube: https://youtube.com/@drtoomer TikTok: https://tiktok.com/@drtoomertalks Facebook: https://facebook.com/drtoomer Free Consult: https://calendly.com/drtoomer/gift-consult
Transcribe →019 | 2024 in Review And Looking Ahead to 2025
Dec 31, 202400:25:50Tap to summarizePlan the Retirement You Want2024 Review & 2025 Outlook2024 Market Performance- S&P 500: +25.5%- NASDAQ: +31.97%- Dow: +12.88%- Interest rates: 5.33% → 4.33%- Housing market cooled; higher mortgage rates and insurance costs### Policy Updates- SECURE Act 2.0: Increased catch-up contributions (50+)- Medicare: Enhanced telehealth benefits- Social Security: 3.2% COLA### Key Takeaways- Diversification proved valuable- Emergency funds remained crucial- Healthcare planning importance increased- High rates benefited cash/CD holders### 2025 Outlook- Fed likely to keep rates elevated- Possible mild recession- Focus on Social Security reform- Rising healthcare costs- Emphasis on longevity planning*Securities and advisory services offered through LPL Financial, registered investment advisor, FINRA/SIPC. General information only, not specific financial advice.*Resources: plantheretirementyouwant.com/coffee, melissamoss.co/newsletter
Transcribe →018 | How to Give More, Save More, and Leave a Legacy with Donor Advised Funds
Dec 19, 202400:11:12Tap to summarizeHow to Give More, Save More, and Leave a Legacy with Donor Advised FundsPlan the Retirement You Want Podcast with Melissa Moss, CFP®Episode OverviewIn this episode, we explore how Donor Advised Funds (DAFs) can help you create a meaningful charitable legacy while optimizing your tax strategy. Through real-world examples and practical advice, learn how DAFs can benefit both your family and your favorite causes.Key Takeaways1. DAFs provide immediate tax deductions while allowing flexible giving over time2. You can contribute appreciated assets to avoid capital gains taxes3. Minimum starting amounts can be as low as $5,0004. DAFs can be powerful tools for both tax planning and family legacy buildingConnect with MelissaSchedule a Coffee Chat: plantheretirementyouwant.com/coffeeEmail: melissa@melissamoss.coWebsite: plantheretirementyouwant.comNewsletter Signup: melissamoss.co/newsletterDisclaimerMelissa Moss is a registered representative with and securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.
Transcribe →017 | Why I Do This: From Nonprofits to Financial Planning and Creating What Really Matters
Dec 17, 202400:17:15Tap to summarizeWelcome to Plan the Retirement You Want, the podcast where we help the guys and gals next door build lasting wealth for their families. Whether you're balancing career and kids, running a business, or entering your peak earning years, this show is your guide to turning financial concerns into clear, actionable strategies. In today’s episode, host Melissa Moss, Certified Financial Planner™ professional with Main Street Advisors, gets personal about why she chose a career in financial planning. She shares stories from her past work with StopAfib.org, a nonprofit supporting people with atrial fibrillation, and reflects on the impact of financial preparedness when it comes to accessing life-changing opportunities. Melissa highlights the power of saving, investing, and planning for what truly matters—creating a future where financial stress doesn’t hold you back from opportunities to improve your life and those of your loved ones. You’ll hear a heartfelt perspective on handling life’s unexpected challenges and staying focused on what you can control. What You’ll Learn Today: Why Melissa switched from working in nonprofits to financial planning The importance of having discretionary income for opportunities that matter How planning and investing early can transform your financial future Why “nothing goes according to plan” and what to do about it Resources Mentioned: Learn more about atrial fibrillation and patient resources at StopAfib.org. Sign up for Melissa’s newsletter for exclusive retirement tips and event invitations: melissamoss.co/newsletter. Call to Action: If you enjoyed today’s episode, please leave a rating and review—it helps others discover the show and makes Melissa’s day! Don’t forget to subscribe so you never miss an episode. Connect with Melissa: Schedule a virtual coffee: plantheretirementyouwant.com/coffee Follow Melissa on social media for daily retirement planning insights. Disclaimer: Melissa Moss is a registered representative with and securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in the show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.
Transcribe →016 |The Silent Gift: Why Wills and Trusts Are Essential for Modern Families (feat. Brandi Sluss)
Dec 12, 202400:29:23Tap to summarizeEstate planning attorney Brandy Sluss joins host Melissa Moss to discuss the critical importance of having proper legal documents in place to protect yourself and your loved ones. This episode provides valuable insights into wills, trusts, and essential medical directives that everyone should consider.Key Topics Covered:Why procrastinating on estate planning can create unnecessary stress for loved onesThe foundational documents everyone needs, regardless of wealth levelHow advance directives and power of attorney protect you during your lifetimeThe benefits of revocable living trusts for privacy and asset managementSpecial considerations for blended families and adult childrenWhy having estate plans in place reduces family conflict during difficult timesEssential Documents DiscussedWill - Basic document everyone should have for asset distributionAdvance Directive for Healthcare - Specifies medical treatment preferencesFinancial Power of Attorney - Allows designated person to handle finances if incapacitatedRevocable Living Trust - Provides privacy and smoother asset transitionSpecial Focus: The Terri Schiavo CaseBrandy discusses this landmark case to illustrate why having clear medical directives is crucial, especially for young adults.Important Takeaways:Estate planning isn't just for the wealthy - anyone with assets, pets, or children needs basic documentsOnce children turn 18, parents need specific legal authority to make medical decisionsMarriage alone doesn't grant authority for medical decisions - proper documentation is essentialWorking with both financial advisors and estate planning attorneys creates the most comprehensive planResources Mentioned:Free estate planning checklist Website: slusslawfirm.comEmail: brandy@slusslawfirm.comFree initial consultations availableConnect with Melissa:Newsletter signup: melissamoss.co/newsletterPlanTheRetirementYouWant.comLegal Disclosure:Melissa Moss is a registered representative with securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. CopyRetryClaude does not have internet access. Links provided may not be accurate or up to date.
Transcribe →015 | Well F#@k: An Insurance Wake-Up Call
Dec 10, 202400:26:24Tap to summarizeWhen a high school classmate was struck by a car during a training run for a charity race, it highlighted just how quickly life can change – and how crucial proper insurance coverage is for protecting your family's future. n this episode, Certified Financial Planner Melissa Moss shares a powerful personal story and breaks down the essential insurance coverage that mid-career professionals need to protect their wealth-building journey. In This Episode: - A real-life story of how quickly circumstances can change - Why most health insurance coverage isn't enough, and what to look for in your policy - The disability insurance gap that could devastate your wealth-building plans - How to calculate the right amount of life insurance for your family - Why successful professionals need umbrella coverage (and how much) - Critical coverage gaps that most people don't discover until it's too late Key Insurance Types Covered: Health Insurance and HSAs Disability Insurance (both short and long-term) Life Insurance Umbrella Liability Coverage Notable Quotes "Life can change in an instant. One moment you're training for a charitable cause, the next, your family's entire future hangs in the balance." "Your ability to earn an income is your biggest asset. For someone earning $200,000 a year in their mid-30s, we're talking about millions in future earnings potential. That's an asset worth protecting." Take Action Now Ready to protect your family's future? Here's what to do next: -->First, pull out all your insurance policies. Yes, right now. Schedule an hour this week to review: 1. Your health insurance summary of benefits 2. The declaration pages of your disability policies 3. Your life insurance coverage details 4. Your liability coverage limits on auto and home insurance 5. Your umbrella policy (or lack thereof) Email: melissa@melissamoss.co Website: melissamoss.co Note: This episode is for educational purposes only and should not be taken as specific insurance advice. Please consult with qualified insurance and financial professionals regarding your individual situation.
Transcribe →014 | Fear Sells, But It's Expensive.
Dec 5, 202400:13:23Tap to summarizeIn this episode of Plan the Retirement You Want, host Melissa Moss, CFP®, dives into the costly mistakes investors make when they react to fear-driven financial headlines. From the "faux recession" of 2022 to the Federal Reserve's aggressive rate hikes, Melissa uncovers how media sensationalism can mislead even seasoned investors into sabotaging their portfolios. Learn how ignoring the headlines and sticking to a solid investment plan can save you from costly mistakes. Plus, Melissa shares three key lessons to help you avoid fear-driven investing and offers a practical strategy for resisting the urge to act on scary news. If you're ready to take control of your financial future, this episode is packed with insights and actionable takeaways to keep your portfolio on track and your retirement dreams intact. Schedule a complimentary discovery call with Melissa at https://plantheretirementyouwant.com/coffee.
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