In this solo episode of Money & Meaning, Jeff Bernier explores how markets have a built-in ability to self-correct, a concept informed by his conversations with longtime colleague Larry Swedroe. Jeff ties together research from Joe Wiggins and Jason Zweig to explain how behavior, concentration risk, and market history reveal important lessons for investors. He also revisits the importance of broad diversification and TandemGrowth’s behavioral “bucket approach” for supporting client confidence in uncertain times. Topics covered: Behavioral traps investors face in fast-paced market environments Joe Wiggins’ perspective on making slow, consistent, and infrequent decisions Larry Swedroe’s concept of the self-healing mechanism of markets How falling valuations increase expected future returns Historical periods when stocks underperformed and rebounded strongly Examples of self-healing in asset classes like value stocks, credit, private credit, and reinsurance Jason Zweig’s analysis of AI-driven capital spending by big tech firms The dangers of concentration risk—including going to all cash Benefits of broad diversification across public and private markets How the “bucket approach” helps reduce panic and support long-term strategy   Useful Links:  Jeff Bernier on LinkedIn  TandemGrowth Financial Advisors   Disclosures: This podcast is for informational purposes only and should not be considered tax or legal advice. Please consult your tax advisor for personalized guidance.

In this episode of Money & Meaning, host Jeff Bernier speaks with Kacie Walsh, Vice President at Dimensional Fund Advisors. They explore Dimensional’s evolving toolkit of tax-focused investment solutions designed to help clients keep more of what they earn. The conversation spans mutual funds, ETFs, SMAs, exchange funds, and 351 ETFs, explaining how each tool fits into a broader tax management strategy. Kacie also outlines how Dimensional’s daily, data-driven approach supports personalized portfolios and long-term efficiency for investors. Topics covered: Kacie Walsh’s professional background and current role at Dimensional Fund Advisors Why Dimensional’s evidence-based, data-driven approach matters in tax-focused investing Overview of tax loss harvesting and why fund and ETF lineup depth supports it Differences in tax efficiency between ETFs and mutual funds—and how Dimensional narrows the gap Update on Dimensional’s ETF share class application and what it means for investors SMA (separately managed account) use cases, especially for high net worth individuals How Dimensional’s SMAs differ from traditional direct indexing solutions Behavioral and operational considerations of owning hundreds of individual securities Understanding portfolio lock-up and how to plan for long-term SMA use Exchange funds as tools for diversifying out of concentrated stock positions 351 ETFs as a strategy to consolidate appreciated securities tax efficiently Overview of long/short SMAs and how they attempt to generate more tax alpha How advisors and clients can assess the trade-offs in these advanced strategies Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ Kacie Walsh on LinkedIn: https://www.linkedin.com/in/kacie-walsh-5787a297

In this episode of Money & Meaning, Jeff Bernier connects 17th-century philosophy with modern financial planning. Using Blaise Pascal’s wager as a framework, Jeff examines how retirement planning isn’t about certainty—but resilience. He discusses scenario analysis, the role of Plan B, and why the best financial plans aren’t fixed, but adaptable. This episode is a timely reminder that thoughtful preparation—not prediction—brings peace of mind in uncertain times.    Topics covered:  Applying Pascal’s Wager to financial planning The role of low-probability, high-impact risks in retirement planning Emphasizing resilience over prediction Scenario analysis and its purpose in building flexible plans The importance of maintaining a Plan B Avoiding the mistake of confusing spreadsheets with reality Why assumptions in planning must remain dynamic The value of humility in planning for an unknowable future Embracing flexibility in lifestyle, spending, and investments “Strong opinions loosely held” as a financial philosophy Confidence through preparation rather than prediction   Useful Links:    Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ 

In this episode of Money & Meaning, host Jeff Bernier welcomes Rob Hoxton, founder of Hoxton Planning & Management and host of the Last Paycheck podcast. Rob shares his journey from aspiring minister to financial planner, exploring how life experiences shaped his unique approach to wealth management. They examine the evolving role of financial advisors, the impact of AI, and how to define a meaningful retirement. The conversation offers a compelling look at purpose-driven financial planning, multi-generational firm growth, and Rob’s vision for making a difference in underserved communities. Topics covered: ● Rob Hoxton’s path from ministry to financial planning ● The philosophy behind Grow Greener and Think Ahead ● Defining “live rich vs. die rich” in financial planning ● Experience at Goldman Sachs and returning to independence ● Working with his son and building a multi-generational firm ● The future of financial planning with AI and technology ● Using AI tools to enhance human connection in advising ● Childhood money memories and their impact on financial behavior ● Helping clients uncover what matters most through money mind exercises ● Reframing retirement as a purpose-driven next act ● Rob’s “why” and the mission to serve more families ● Launching Shepherd University's financial planning program ● Looking forward: Rob’s excitement for family, business, and mentorship ● Encouragement for listeners seeking the right financial advisor Useful Links: Rob Hoxton on LinkedIn Hoxton Planning & Management Last Paycheck Podcast Jeff Bernier on LinkedIn TandemGrowth Financial Advisors

In this Perspectives episode of Money & Meaning, host Jeff Bernier explores key year-end tax planning strategies shaped by recent legislation. He breaks down thresholds, deductions, and opportunities to optimize charitable giving—particularly through donor-advised funds and gifting appreciated securities. Jeff also covers how Roth conversions and qualified charitable distributions can be integrated into a comprehensive strategy aligned with both financial goals and personal values.   Topics covered: Overview of the “One Big Beautiful Bill Act” and its impact on taxpayers Importance of year-end tax planning under new legislation Higher standard deduction and changes to itemized deductions Adjusted income thresholds that affect Medicare premiums and deductions Expansion and phase-out of SALT (State and Local Tax) deductions Charitable gifting strategies using appreciated securities Tax benefits of donor-advised funds for bunching donations Qualified charitable distributions (QCDs) from IRAs for those over 73 Using Roth conversions in coordination with deduction strategies Practical next steps for assessing your 2025 tax picture Useful Links:  Jeff Bernier on LinkedIn  TandemGrowth Financial Advisors Disclosures: This podcast is for informational purposes only and should not be considered tax or legal advice. Please consult your tax advisor for personalized guidance.

In this episode of Money & Meaning, host Jeff Bernier speaks with Carl Richards, certified financial planner and creator of the New York Times "Sketch Guy" column. Carl discusses his newest book, Your Money: Reimagining Wealth in Simple Sketches, a collection of drawings and essays that spark meaningful financial conversations. Together, they explore why strong financial decisions often begin with reflection, how we view money differently, and the value of building general resilience. Carl also shares practical approaches to planning and decision-making that align money with personal values.   Topics covered: Carl’s motivation behind his new book and the role of financial conversations How our individual experiences shape how we see money The purpose and impact of a one-page financial plan Identifying and preparing for risks you don’t see coming Why “strong opinions loosely held” is a powerful planning framework A three-part mindset for embracing uncertainty and making progress Aligning money decisions with what truly matters Useful Links: Carl Richards on LinkedIn: https://www.linkedin.com/in/thinkingcarl/ Behaviour Gap' Website: https://behaviorgap.com/  Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning: Perspectives, host Jeff Bernier explores the tension between recognizing serious economic headwinds—such as massive government debt, rising interest rates, and a shifting global financial system—and maintaining a posture of rational optimism. Drawing on insights from Howard Marks, Brian Westbury, Matt Ridley, Mion Tuby, Gail Pooley, and Nick Murray, Jeff examines how to address sobering realities while staying committed to progress, resilience, and long-term investing. It’s a call to balance—informing your perspective without letting fear dictate your financial or life decisions.   Topics covered: ● The reality and risks of rising U.S. government debt and higher interest costs ● Howard Marks’ concerns about ignoring economic fundamentals ● Brian Westbury’s warning on government crowding out private innovation ● Foreign demand for U.S. debt and potential consequences of decline ● The psychological trap of pessimism in investing and life decisions ● Matt Ridley’s framework for rational optimism ● Data from Superabundance on human progress and resource abundance ● Nick Murray’s reminder to “own the future” through consistent participation ● The role of resilience in both economies and investment portfolios ● Diversification as a tool for emotional and financial stability ● Practical ways to stay informed without becoming paralyzed by fear   Useful Links:   Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Neil Bage, co-founder of Shaping Wealth, for a wide-ranging conversation on the human side of financial decision-making. They explore how neuroscience, behavioral science, and the pursuit of “funded contentment” intersect in personal finance. Neil shares his journey, the mission of Shaping Wealth, and frameworks like Ikigai to help individuals live more meaningful financial lives. A must-listen for advisors and investors alike addressing life’s transitions.   Topics covered: Neil Bage's career path from sports science to behavioral finance The founding and mission of Shaping Wealth The concept of “funded contentment” and what it means in practice How neuroscience supports the pursuit of a meaningful life The Japanese concept of Ikigai and its application in discovering purpose Why the human brain is poorly equipped for modern financial decision-making Behavioral tendencies and the challenges of delayed gratification The dangers of overstimulation and decision overload Misconceptions about “irrational” investor behavior The powerful role of financial advisors in reducing cognitive stress Brain scan research that validates the benefits of quality advice The emotional and relational value of guidance in uncertain markets Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ Neil Bage on LinkedIn: https://uk.linkedin.com/in/neilbage Shaping Wealth: https://www.shapingwealth.com/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier reflects on the passing of his father—his personal “George Bailey”—and explores the implications of living longer in today's evolving retirement landscape. Jeff outlines the financial risks and opportunities of extended longevity, including inflation, healthcare costs, market volatility, and potential benefit cuts. He shares how both individuals and the financial industry can adapt their planning strategies to better prepare for a longer, more purposeful retirement. Topics covered: Reflections on Jeff’s father and a life of purpose The impact of increased life expectancy on retirement planning Longevity risk and the fear of outliving one’s savings Rising healthcare costs and the role of HSAs Inflation, market volatility, and behavioral investment risks Early vs. delayed retirement decisions and flexible retirement paths Potential Social Security benefit cuts and higher tax burdens Economic headwinds: government debt, slower growth, and lower returns "Deep risk" vs. shallow risk in portfolio planning Strategies for broader diversification in uncertain times Role of technology and auto-enrollment in retirement plans Importance of financial planning, adaptability, and investor behavior Useful Links: Jeff Bernier on LinkedIn TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier welcomes back Larry Swedroe, author, consultant, and former Director of Research at Buckingham Strategic Wealth. They explore how retirees and pre-retirees can construct portfolios that reduce risk, smooth returns, and withstand market shocks. Larry breaks down key principles of evidence-based investing, the importance of understanding risk tolerance, and the evolving role of alternative assets like private credit and reinsurance in modern portfolios. Topics covered: Defining ability, willingness, and need to take investment risk Understanding the three-legged risk assessment framework for retirement planning The philosophy and principles behind evidence-based investing Core criteria for evaluating investment assets and risk factors Why beating the market is increasingly difficult for active managers Strategic use of factors like value, quality, momentum, and small-cap stocks Introduction to private market investments and their role in reducing sequence risk Characteristics and advantages of reinsurance, private credit, and infrastructure The role of illiquidity as a feature—not a bug—in long-term investing Shifts in the accessibility and cost of alternative investments How retirees can improve risk-adjusted returns through smarter diversification Common misconceptions around timing and liquidity in private markets Evaluating alternatives based on implementation cost and diversification Useful Links:  Jeff Bernier on LinkedIn  Larry Swedroe on LinkedIn  Larry Swedroe on Substack  TandemGrowth Financial Advisors

In this short-form edition of the Money & Meaning Show, Jeff Bernier shares a perspective on simplifying investment thinking during uncertain times. He outlines three fundamental binary choices investors face: having faith in the future or not, being goal-focused versus performance-driven, and choosing to own businesses versus lending to them. Jeff encourages listeners to return to first principles as they consider how to position themselves for long-term financial success. Topics covered: • Why investing is simple, but not easy • The importance of returning to first principles in volatile times • Faith in the future vs. pessimism • Being goal-focused and planning driven vs. market-focused and performance driven • Ownership of the world’s great businesses vs. lending through fixed income • How long-term optimism impacts investment outcomes • Historical stock market performance as context for rational optimism • Simplifying investment decisions to cut through daily noise Useful Links:  Jeff Bernier on LinkedIn  TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier speaks with Rubin Miller, founder and Chief Investment Officer of Peltoma Capital Partners and author of the Fortunes and Frictions blog. They explore Rubin’s journey from trading floors to founding a boutique advisory firm, discuss market philosophy, and examine the tension between serving high-net-worth clients and reaching broader audiences. Rubin shares his views on investment process, financial planning, and what it means to live a meaningful life—both personally and professionally. Topics covered:  Rubin’s professional path from bond trading to launching Peltoma Capital  His firm’s investment philosophy: market efficiency, diversification, and implementation  Thoughts on small-cap and value premiums  How bond portfolios are influenced by the shape of the yield curve  The difference between financial planning timelines and academic investment research  Role of financial advisors: planning vs. investment management  Frictions that prevent investors from executing sound strategies  Rubin’s passion for making financial education accessible to all  Defining “a perfect day” and the broader idea of fortune  Reflections on personal growth and recovering from setbacks Useful Links: Jeff Bernier on LinkedIn Peltoma Capital Partners TandemGrowth Financial Advisors

In this Perspectives episode of The Money & Meaning Show, Jeff Bernier explores how long-term investors can maintain confidence amid economic uncertainty. He outlines the frequency of recessions across a typical retirement span and emphasizes the importance of diversification, revisiting foundational investment principles. Drawing on insights from Joe Wiggins' recent blog, Jeff addresses the dangers of "line-item thinking" and highlights how a holistic approach to portfolio construction can lead to better outcomes over time. (Note: This episode was recorded on April 1, 2025. Charts in the broadcast are as of March 31, 2025.) Topics covered: Historical frequency of recessions and their relevance to retirement planning Life expectancy and planning for longevity in retirement Why long-term investment policy should remain steady through market noise Economic uncertainties under the new administration The risks of reacting to short-term market predictions Concept and consequences of "line-item thinking" Performance comparison of U.S. vs. international equities Asset class analysis: small value vs. large core equities Role of bonds in a diversified portfolio during downturns Key takeaways from Joe Wiggins' blog on behavioral finance Building resilient, anti-fragile portfolios for long-term success The real risk: inability to meet financial goals The importance of thinking holistically about portfolios   Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ Joe Wiggins' Behavioural Investment blog: https://behaviouralinvestment.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Ben Katt, author of The Way Home: Discovering the Hero’s Journey to Wholeness in Midlife. Ben is a transformation coach, meditation teacher, and former pastor who helps individuals navigate personal growth and midlife transitions. Together, they explore the significance of Joseph Campbell’s Hero’s Journey, the process of leaving the familiar, facing the unknown, and returning to a renewed sense of self. Ben shares insights on spirituality, purpose, and belonging, offering practical guidance for those moving into the next chapter of their lives. This conversation is invaluable for mid-to-late career individuals seeking meaning and direction beyond financial success. Topics covered: Joseph Campbell’s Hero’s Journey and its relevance to personal transformation The three stages of the journey: leaving the familiar, falling into the unknown, and rising to wholeness Identifying and responding to the "call to adventure" in life transitions The importance of solitude, mindfulness, and self-reflection in discovering personal purpose How unresolved childhood patterns shape adult identity and decision-making Learning to embrace uncertainty and trust in life's unfolding process The impact of societal expectations and achievement-driven identities Finding fulfillment beyond financial success in midlife and retirement The role of meditation, spiritual practice, and community in personal growth Practical steps for stepping into a new phase of life with intention Useful Links: Jeff Bernier on LinkedIn Ben Katt on LinkedIn: https://www.linkedin.com/in/benkatt Ben Katt: https://www.benjaminkatt.com/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this Perspectives episode of Money & Meaning, host Jeff Bernier shares insights on handling uncertainty during challenging times. Reflecting on past crises—9/11, the Great Financial Crisis, and the COVID-19 pandemic—Jeff explores how emotions can cloud judgment and why it's essential to develop strategies for managing risk and uncertainty. He provides practical advice on staying grounded, focusing on long-term goals, and avoiding fear-based decision-making. Whether you're feeling anxious about political change, market fluctuations, or the broader economic landscape, this episode offers a thoughtful approach to maintaining clarity and confidence in uncertain times. Topics covered: The cyclical nature of uncertainty and how history offers perspective The difference between risk (manageable) and uncertainty (unbounded) The importance of journaling as a tool for reflection and growth Strategies for handling uncertainty: Clarifying personal values and beliefs Maintaining faith in the future and a long-term perspective Being selective about the media and content consumed Focusing on relationships, opportunities, and personal growth Practicing gratitude and avoiding reactionary decision-making Why politics should not drive investment decisions The role of goal-focused, planning-driven investing versus market-focused, performance-driven investing Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Phil Huber, Managing Director and Head of Portfolio Solutions at Cliffwater. Phil is also the author of The Allocator’s Edge, a modern guide to alternative investments and portfolio diversification. They discuss the evolving role of alternative investments, the challenges facing traditional 60/40 portfolios, and how private markets and new fund structures are reshaping opportunities for financial advisors and individual investors. This episode is essential listening for those looking to build more resilient, well-diversified investment strategies. Topics covered: Phil Huber’s background and career journey in wealth management and alternative investing The definition and misconceptions of alternative investments The rise of private credit, private equity, and interval funds Why liquidity matters and how it impacts returns Challenges of the traditional 60/40 portfolio in today’s market environment The role of private markets in retirement income planning How rising bond yields affect portfolio allocation decisions Key considerations for investors exploring alternative investments Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ Phil Huber on LinkedIn: https://www.linkedin.com/in/phil-huber Cliffwater: https://www.cliffwater.com/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this special "Money & Meaning Perspectives" episode, host Jeff Bernier shares key insights from recent readings and market trends to help listeners make informed financial decisions. He explores the concept of financial bubbles, including lessons from historical market cycles and current concerns surrounding the concentration of a few major stocks. Jeff also discusses recent breakthroughs in artificial intelligence with the rise of DeepSeek and its potential impact on industries, alongside the importance of international diversification in investment strategies. Tune in for a concise yet insightful update on market trends and strategic investing. Topics covered: The concept of financial bubbles and historical market cycles Lessons from the 1920s auto industry and the 1999 dot-com boom Insights from Howard Marks on market valuation concerns The rise of DeepSeek AI and its disruptive impact on the tech sector Comparisons between the current AI boom and past technological revolutions The importance of international diversification in investment portfolios U.S. market dominance and historical parallels with Japan’s market rise Valuation considerations when investing in different global markets The role of diversification in managing investment risk Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier interviews Hunter Ewing, co-founder and director of Private Lines Insurance at Higher Ground Risk. They explore the essentials of risk management, including protecting assets, managing liability, and understanding insurance coverage in today’s evolving insurance market. Hunter shares industry insights, practical advice, and personal anecdotes that highlight the importance of proactive financial protection. Topics covered: The fundamentals of risk management in personal financial planning Common types of personal insurance: home, auto, umbrella, and valuable articles coverage The impact of severe weather events on insurance costs Key considerations when purchasing flood insurance Recent industry changes in insurance underwriting and coverage Misconceptions about personal insurance and financial planning integration The importance of working with independent insurance agents Best practices for maintaining adequate insurance coverage How to evaluate insurance needs for new home purchases and renovations Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ Hunter Ewing on LinkedIn: https://www.linkedin.com/in/hunter-ewing-5460a2a2 High Ground Company: https://www.highgroundcompany.com/copy-of-hunter-ewing  Tandem Growth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes back Dr. Daniel Crosby, a New York Times bestselling author and Chief Behavioral Officer at Orion. Together, they discuss concepts from Crosby’s new book, The Soul of Wealth, exploring how financial well-being intersects with psychology and personal growth. From defining “soulful wealth” to the psychology behind money and happiness, the conversation offers practical insights on aligning financial decisions with what truly matters for a fulfilling life. Topics covered:  Overview of Dr. Crosby’s career and role as Chief Behavioral Officer at Orion  Exploring The Soul of Wealth and its unique, contemplative format  Defining “soulful wealth” and why wealth is about more than finances  The impact of meaningful work on life satisfaction and wealth  Research findings on money and happiness  Spending habits that contribute to lasting happiness and fulfillment  The link between generosity, well-being, and the concept of “wealth”  Behavioral insights for better financial decision-making  The importance of flexibility in financial planning to accommodate personal growth  Unique financial strengths and investment tendencies of women  Setting deeply personal, meaningful financial goals for stronger motivation Useful Links:  Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  Daniel Crosby on LinkedIn: https://www.linkedin.com/in/danielcrosby  Orion: https://orion.com/  TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ 

In this episode of Money & Meaning, host Jeff Bernier sits down with Sherry Finkel Murphy, founder and CEO of Madrina Molly LLC. Sherry is a seasoned financial planner who focuses on helping midlife women navigate the complexities of financial and longevity planning. They explore the challenges faced by women in the "Triple Decker Club Sandwich Generation," discuss strategies for reinventing life after 50, and dive into Sherry’s mission to provide financial education through her community platform, Madrina Molly. This conversation offers valuable insights for those seeking to align their financial resources with their personal values and life goals. Topics covered:  Challenges of the "Triple Decker Club Sandwich Generation" and its impact on midlife women.  Sherry’s career journey from financial planner to the founder of Madrina Molly.  Common financial and emotional struggles among midlife women, including shame around money.  The importance of financial education and empowering women over 50.  Strategies for reinventing life after 50, including Sherry’s concept of the “glide path.”  Insights on longevity planning and how it intersects with health, location, financial, and purpose planning.  The need for community and purpose in aging and retirement.  Balancing caregiving responsibilities with personal ambitions and business pursuits.  Building a supportive community for women navigating midlife transitions. Useful Links:  Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  Sherry Finkel Murphy on LinkedIn: https://www.linkedin.com/in/sherryfinkelmurphy  Madrina Molly: https://www.madrinamolly.com/  TandemGrowth Financial Advisors: https://www.tandemgrowth.com/