Taking care of a senior family member can be an unknown territory for most. The help of a Senior Care Advisor can be an essential resource for families during a virtual decision-making process.

In this episode, Miranda is joined by Care Patrol Senior Care Advisor Clay Claborn to explore how advisors can aid the process. They discuss the role of a Senior Care Advisor, the personalized advice they provide, and much more.

To contact Clay, visit www.carepatrol.com or call him directly at 463-202-8453.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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In this episode, Miranda is joined by four different parents who offer practical tips, real-life examples, and age-appropriate financial strategies to ensure children grow up with a strong financial foundation.

They cover Essential conversations to have with your kids about money, effective activities to help children understand spending from a young age, financial products to prepare them for the real world and much more.

Miranda is joined by:

• Liz Wertz, Vice President, LPL Financial Advisor, Elements Wealth Management
• Eliza Claborn, Relationship Manager at Elements Financial
• Curtis Dodd, Relationship Manager at Elements Financial
• Michelle Payne, VP Marketing & Communications at Elements Financial

Portions of this podcast episode were recorded virtually, away from the podcast studio. Please be aware that there may be some differences in audio quality.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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During this episode, Miranda is joined by Indiana Attorney Kent Emswiller of Emswiller, Williams, Noland & Clarke, LLC to answer common questions regarding Estate Planning. During their conversation they cover what an Estate Plan is, the benefits of starting the process early, what information and documents you need to get started, and much more.

To contact Kent directly to start the Estate Planning process, he can be reached at 317-257-8787. Their website is also accessible at www.ewnc-law.com.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

During this podcast, legal examples will be discussed. This podcast is for informational purposes only and should not be considered legal advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. Please consult a licensed attorney regarding your own situation and prior to making any decisions.

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According to a recent survey conducted by Gallup, 61% of Americans are facing moderate to severe financial hardships due to the recent price hikes. If you are also struggling to cope with the current situation, then you might be looking for some guidance and support.

Terri Mossbrucker joins the podcast to share her insights and discuss the topic with Miranda. She is a member of the Elements Financial Asset Recovery department and is well-equipped to help educate others on financial hardships.

Terri has almost 30 years of experience in helping individuals with budgeting and finding solutions for difficult financial situations.

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Websites referenced in the episode:

Indiana Debt Relief: https://www.indianadebtrelief.org/

Indiana Hardest Hit Fund/Indiana Foreclosure Prevention Network: https://www.877gethope.org/

Statistics sourced:

More in U.S. Say Inflation Is Causing Financial Hardship

Americans Remain Discouraged About Personal Finances

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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On October 9, 2023 Elements Financial conducted their seventh annual Purpose Day - a day dedicated to giving back and serving the communities and causes we care about.

As part of the day, Elements employees heard from Jennifer Bartenbach, the CEO of the Central Indiana Community Foundation. During this conversation with Miranda, the two discuss the importance of giving back and the different ways you can do so.

This episode was recorded live in front of an audience and may vary in sound.

To learn more about Purpose Day 2023, visit elements.org/PurposeDay. To learn about CICF, visit cicf.org.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

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Miranda is joined by Andrew Chalko, the Chief Financial Officer of Elements, to discuss the causes and effects of inflation. They will explore the sectors that are most affected by inflation and provide tips on budget restructuring to combat it.

They'll also dive into the root causes of inflation, which businesses continue to be impacted, and practical ways to restructure your budget to mitigate its effects.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

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Miranda is joined by Liz Wertz, LPL Financial Advisor at Elements Wealth Management. Liz shares the answers to the top five questions young professionals have when beginning to invest.

Their conversation covers why it’s important to start investing for retirement while you are young, how to use a 401k and employer matching to your advantage, and additional ways you can invest to supplement your current strategies.

To learn more about Liz and to contact her, visit her website at elements.org/LWertz.

To view the visual charts mentioned in this podcast, please contact us at bettermoney@elements.org.

The opinions voiced in this podcast 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.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). For hyperlinks to FINRA and SIPC, please refer to ‘See Contact Info’ section above. Insurance products are offered through LPL or its licensed affiliates. Elements Financial Federal Credit Union and Elements Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Elements Wealth Management, and may also be employees of Elements Financial Federal Credit Union These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Elements Financial Federal Credit Union or Elements Wealth Management. Securities and insurance offered through LPL or its affiliates are: • Not Insured by NCUA or Any Other Government Agency • Not Credit Union Guaranteed • Not Credit Union Deposits or Obligations • May Lose Value

Your Credit Union (”Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institutions to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

In this bonus episode, learn about Butler University's innovative approach to higher education accessibility from Dean Esteves, Executive Director of Butler University’s Office of Strategic Engagement, as they revolutionize traditional methods.

Learn more about Butler's Office of Strategic Engagement at: https://www.butler.edu/strategic-engagement/

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

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