Women & Wealth

Starting early may not feel urgent when you're juggling rent, student loans, a first job, and all the costs that come with adult life. But small financial habits built early can create serious momentum over time. In this episode of Women and Wealth, Regina talks through why young adults should begin saving and investing as soon as they can, even if the amount feels small at first. She explains how compounding works, why automation makes saving easier, how to think about raises and bonuses, and why employer benefits like retirement plans, Roth contributions, HSAs, and stock purchase programs can play a major role in building long-term wealth. Regina also reminds listeners that financial confidence does not happen overnight. It comes from learning, starting small, making progress, and giving "future you" a stronger foundation. Episode Highlights: 0:00 - Introduction 2:03 - The power of time, consistency, and small steps 3:22 - How compounding helps your money grow 5:04 - Starting at 25 vs. starting at 35 6:22 - Making saving automatic 9:15 - Using raises and bonuses wisely 11:06 - Taking advantage of employer retirement benefits 13:58 - Traditional vs. Roth retirement contributions 14:51 - HSAs, stock purchase plans, and other workplace benefits 15:56 - Building financial knowledge and confidence 17:54 - Progress, not perfection 18:42 - A simple action item to get started ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. This material was prepared by Hartford funds. For a list of states in which I am registered to do business, please visit www.forgewealth.com. Hartford Funds is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management

When you have checked every box, career, family, community, and still feel that quiet question of "what about me?", this episode is for you. On this episode of Women and Wealth, Regina sits down with Michele Garrett, a women's life and transition coach who helps successful women 45+ get clear on what they want next and how to move forward without blowing up their whole life to do it. Together, they talk about what retirement and "the next chapter" can really look like today, how to reconnect with your values when life finally slows down, and why small, consistent mindset shifts can change your direction more than any big, overwhelming plan. Michele also shares a peek at her four-pillar approach for helping women rebuild clarity, confidence, and purpose in a season of change. Episode Highlights: 0:00 - Intro 0:41 - Meet Michele Garret 2:51 - Michele's "4 Pillar Program" 6:14 - Michele's impact as a coach 7:57 - the '1% change' 9:12 - Where you can go to learn more about Michele 11:01 - Some challenges Michele has faced as a professional woman 14:06 - Michele's vision for retirement 16:19 - Action item ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com CONNECT WITH MICHELE GARRETT Website: https://www.mgarrettcoaching.com/ LinkedIn: https://www.linkedin.com/in/mtregogarrett/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

You've probably heard about real estate before as a great way to grow or invest your money for the long-term. But that doesn't mean that you can just start with no strategy, or plan, however. In this episode of Women and Wealth, Regina talks with Lindsay Davis, CEO and co-founder of Spartan Invest, about building passive income through single-family real estate. Lindsay explains what "turnkey" investing looks like, why the Southeast has been a strong target for investors, how she evaluates neighborhoods, and the real risks to understand before buying. They also get into retirement planning and why diversifying your income streams early matters, so you can work because you want to, not because you have to. Episode Highlights: 0:00 - Episode open and intro to Lindsay 3:27 - Landlord/tenant laws, residential properties 6:38 - How Lindsay targets areas 10:42 - Explaining risk to newcomers 18:12 - Where you can learn more 19:35 - Challenges Lindsay has faced as a professional woman 22:45 - Lindsay's plans for retirement 25:03 - Action item ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com CONNECT WITH LINDSAY DAVIS Website: https://spartaninvest.comLinkedIn: https://www.linkedin.com/in/spartanlindsaydavis/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

Lori Woolridge and Lauren Weinberg are the co-founders of Freedom to Flourish, where they help women rebuild from the inside out through self-love, mindset, and soul-aligned growth. Lori is a love & relationship coach focused on self-love and healthy relationships, and Lauren is a "Becoming Coach", a former psychologist and family therapist turned wellbeing and empowerment coach. Together they join Regina and discuss why "January is divorce month," and how to approach divorce with support instead of going it alone. They examine how divorce is "85% emotional / 15% legal" and why emotional regulation can save time, money, and pain – and they even dive into their signature program "Your F.A.B. Divorce" and how that can help you, should you ever need it. Episode Highlights: 0:00 - Intro 0:33 - Episode open 0:51 - Meet Lori and Lauren 3:44 - More about Lori and Lauren's program 8:22 - Dealing with fear and uncertainty 10:08 - More details about the program 18:26 - Shifting your mindset, where you can learn more 23:18 - Action item and wrap-up ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com CONNECT WITH LORI WOOLRIDGE AND LAUREN WEINBERG Website: https://www.freedom-toflourish.com/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

A divorce can have a ripple effect that can be felt by others, close family members especially. When you add in the challenges and complexity of raising a special needs child, that's when you need to get in touch with Dr. Juliet Marciano. Juliet is a mindset coach, retired pediatrician, PCI Certified Parent Coach®, and mother of four young adults. Her job? To bring joy back to parents (and really, families) when they face difficult life events. Juliet joins Regina in "divorce month" to discuss the unique challenges families face during this stressful process, and what other factors can impact how parents and individuals navigate this situation. Episode Highlights: 0:00 - Intro 0:31 - Episode open 1:08 - Meet Juliet 5:45 - Lack of resources, getting help 10:15 - Telling a special-needs child about divorce 16:01 - How often should you talk to your children about divorce? 19:02 - Talking to adult children 23:23 - Where you can find more about Juliet 26:18 - Action item and wrap-up ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com CONNECT WITH DR. JULIET MARCIANO Website: https://www.julietmarciano.com/ LinkedIn: https://www.linkedin.com/in/juliet-marciano-md-4814249/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

On this episode of Women & Wealth, Regina welcomes Lauren Reed Williams, founder of Reed Public Relations and co-founder of Wealth of a Woman. Lauren shares why she stepped down as CEO after 14 years, how she's building safe spaces for women to talk about money, and what sparked her mission. They also dig into money mindsets, confidence with advisors, aligning finances with core values, and why "peace and freedom" now define Lauren's vision of wealth. Episode Highlights: 0:00 - Intro 0:31 - Episode beginning 4:22 - The Equal Credit Opportunity 8:14 - Women and financial advising 11:23 - What's next and where to learn more 14:50 - Some challenges Lauren has faced (as a professional woman) 18:23 - Lauren's plan for retirement 22:34 - Action item and episode wrap-up ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com CONNECT WITH LAUREN Website: https://www.reedpublicrelations.com/team/lauren-reed/ LinkedIn: https://www.linkedin.com/in/lauren-reed-9151183/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.