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Many people live their lives as though this is a finite world of energy, time and money. As a result we hold on tightly to both our time and possessions fearing that by sharing, we may find ourselves lacking what we need in the future. Our guest, Courtney Clark will share how using helping behaviors like volunteering, donating and advocating to help others can transform our own life.

One of the most difficult conversations to have with your parents and heirs is what you want to have done with your assets. Our discussion today will be with Cumberland Trust Company about how to start the conversations with especially your children as well as what some of the challenges may be if you have any special needs children. Should you set up a trust? How do I decide who guardian should be for my child? These are just a few of the questions that we will address.

Women B Wise is focused on helping women gain financial empowerment. Stress is one of the major energy drainers is our lives and our health is one critical element to help us feel empowered. If you aren't physically well, you aren't able to focus on anything else. You will also need to devote more of your time and finances toward medical concerns, which will delay and deter your opportunity to focus on your long term financial goals. Our guest, Kay Hutchinson will discuss ways to help us refine and preserve our health. Using Qi Gong, she helps her clients to develop a tool and liberate your life force by working with and increasing awareness of your emotional, spiritual, and physical energy layers.

It happens all the time. You see an ad on television for an amazing car you've always wanted, and the monthly payments shown are actually within your financial grasp. Visions of driving around in your new automobile are in your head. Then, like a bullet to your heart, the announcer says the magic phrase -- the one that kills your dreams and brings you out of your reverie and back to reality. The price turns out, is an attractive lease offer. What is it about leasing a car that some find so unattractive? We will discuss the pros and cons of leasing a car on this program. Maybe it's not right for you, but let's take an objective look at what leasing a car can and cannot do for you.

For most individuals, their residence and their 401(k)'s are the largest all of their assets. Making smart choices about purchasing their home will have a long term impact on building wealth. Since on average, Women live longer than men, the home may be one of the assets used for Long Term care as we discussed several weeks ago with David Cook, Our guest, Daffney (D.A.) Henry will discuss many of the considerations to consider when making such a large purchase.

In honor of Black History month, I want to spend some time discussing how Black Women impact our economy. When it comes to financial stability, black Americans are often in much more precarious financial situations than white Americans. Their unemployment rate is higher, and so is the level of poverty within the black community. In 2013, the poverty rate among white Americans was 9.6 percent, among black Americans it was 27.2 percent. And the gap between the wealth of white families and black families has widened to its highest levels since 1989, according to a 2014 study by Pew Research Center. Dr. Shirley Sprinkles will discuss with us the impact teen pregnacies are having on our society and ideas on how to stop the trend.

Reverse mortgages have received a bad reputation, but recent research has demonstrated how financially responsible individuals can improve their retirement sustainability with a reverse mortgage. David Cook specializes in reverse mortgages and spends a great deal of time educating senior homeowners on the pros and cons of these type of mortgages. Listen in to find out the advantages and some of the pitfalls that seniors have experienced.

Investing your assets is challenging, fun and somewhat glamorous for people. Protecting those same assets is boring. Our lives are filled with critical financial events, some planned such as marriage or college education, but others are not, such as becoming disabled or death. A financial plan is not complete without addressing the various unplanned events that could wreak havoc with your financial strategies. Our guests will discuss the various insurances that should be considered as part of your financial plan.

Divorce After 50 has different challenges to be addressed such as: -roles of adult children -health care coverage gaps to be bridged before Medicare kicks in -focusing on income-generation when there are fewer years to recoup losses -when surrogate decision-makers, such as guardians, are needed Our guest, Janice Green will address some of these issues as well the value of premarital agreements and the benefit of collaborative law.

Darleen will have Melissa Fleming of Fleming & Conway Agency on the program. Melissa will talk about the Common Mistakes customers make when getting property and casualty insurance for their home, apartment, cars, and rental property. She delves into the increased risks with having dogs, a pool, young drivers, rental property, and liquid assets. She will give ideas on what you can do to properly protect yourself and your assets.

Have you ever wondered why you were hesitant to execute a financial plan created for you by a planner?You have a nagging feeling that you can't pinpoint. Maybe it's because you have not determined if the plan supports your values. We will discuss the importance of having a vision and mission statements in place BEFORE a financial plan is created. Our guest is one of my clients, Heather Carmichael. We will discuss how this process has helped her reach her goals.

With so many financial shows on television and on various radio stations, you may wonder why another. Darleen Gilmore has worked with women for over three decades and has experienced that women make financial decisions differently from men. In the first program, Darleen will discuss what she has learned through her years' experience about women and why Women B Wise will benefit not only women, but men who work with women.