The Pearl Planning Blog

Spring Clean Your Finances: 20 Ways to Refresh Your Financial Life Right Now

By Melissa Joy, CFP® | April 25, 2025

Spring isn’t just for closets and garages—it’s also the perfect time to dust off your finances and do a little money maintenance. Whether you’re planning for retirement, juggling college costs, […]

Demystifying the Backdoor Roth IRA: What You Need to Know

By Melissa Joy, CFP® | April 14, 2025

If you’ve heard of a Backdoor Roth IRA but find the details confusing, you’re not alone! At Pearl Planning, we frequently recommend this strategy to clients who earn too much […]

What to Do in a Bear Market or Recession: Quick, Actionable Tips for Smart Financial Moves

By Melissa Joy, CFP® | April 9, 2025

Market downturns and economic slowdowns can feel unsettling—but they’re also opportunities to take control of your financial life. Here’s a quick, actionable checklist of things to do during a bear […]

The Tariff Trap: How to Navigate Today’s Economic Uncertainty

By Melissa Joy, CFP® | April 4, 2025

President Trump’s “Liberation Day” tariff announcement on Wednesday, March 2nd, sent shockwaves through US and global trading markets for the remainder of the week. I am writing this as of […]

Navigating Inherited RMDs: What You Need to Know for 2025 and Beyond

By Melissa Joy, CFP® | March 20, 2025

Required Minimum Distributions (RMDs) can be complex, especially if you’ve inherited a retirement account. With recent regulatory changes, understanding when and how much you must withdraw is crucial. Old Rules […]

New Client? Here’s What’s Next

By Melissa Joy, CFP® | March 11, 2025

Welcome to Pearl Planning! Our onboarding video guides you through the exciting process of implementing your financial plan. Here’s what to expect: Getting Started: We’ll begin by opening accounts and […]

2025 Winter Economic Update (Webinar)

By Melissa Joy, CFP® | February 18, 2025

So much is happening in the economy right now—inflation, interest rates, new policies, and market uncertainty—but what does it actually mean for your financial future? In this session, Melissa Joy, […]

Important Information for Filing Your 2024 Tax Return

By Melissa Joy, CFP® | January 15, 2025

As you prepare to file your taxes this year, we want to help make your life a little easier. Below, you’ll find a comprehensive guide with important dates, resources, and […]

Pearl Planning’s 2024 Year in Review: Celebrating Milestones and Growth

By Melissa Joy, CFP® | December 17, 2024

As we look back on 2024, we’ve celebrated everything from exciting personal milestones like weddings and births to professional achievements, such as team growth and community involvement. Our year has […]

2025 & Beyond: Your Post Election Investment & Economic Perspective

By Melissa Joy, CFP® | November 8, 2024

As we turn the corner from the election season that dominated the 2024 news cycle, we have results and perspective for what’s next when it comes to investments and the […]

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