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Mary Sterk, CFP ®, is the owner of Sterk Financial Services (www.sterkfinancialservices.com), which is headquartered in Dakota Dunes, SD and has a second location in Kansas City. Mary’s inspirational story is one of fighting her way from Welfare to Wealth Management despite a teenage pregnancy, living in low-income housing, and raising two small children while subsisting on food stamps. Mary has received numerous awards including the Forbes Best-In-State Wealth Advisor and Forbes Top Women W ...
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The Centre for Public Impact is a not for profit foundation dedicated to improving the positive impact of governments. Check out our stories of government effectiveness and impact from around the world. *The Centre for Public Impact, a BCG Foundation, is not affiliated with Public Impact, an independent education research and consulting firm dedicated to improving learning outcomes for all children in the United States.
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In this episode, ASCY’s Charlotte Edwards speaks with Tara Freeman from Lucky Day Nursery, in Hamilton, Ontario, about their journey in integrating and celebrating art and literacy within their programs. Tara shares insights on how she introduced ideas and inspired her team to embrace them. She also discusses their collaboration with an artist and …
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When you love someone that has a #brain disease, you may find yourself in a #caregiver role both for #health and #finance. In this episode of #MoneyGuidewithMarySterk, we share ways to spot the need to offer assistance and what you can do to help with the #finances.#braindisease #braindisorders #memoryloss #cashflow #bills #budget #income #expenses…
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So you think you have your retirement #budget all planned out...Think again! In this episode of #MoneyGuidewithMarySterk, we share some surprising #retirement #expenses that you might not know about.#socialsecurity #medicare #IRA #RMD #charity #401k #taxes #healthcare #longtermcare Feat. Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with…
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You have heard the story a dozen times - former #lottery winner now is dead broke. Why does this happen? There are some reasons that seem to repeat themselves, and some strategies that you can use to avoid having this happen. If you have inherited money, won the lottery, or simply have some type of windfall money, this episode is for you! Listen in…
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Long-Term Care #Insurance can be both confusing and costly. In this episode of #MoneyGuidewithMarySterk, we will eliminate the complexity. Listen as we explain in simple terms how typical policies work, and how to compare pros and cons of different types of #coverage.#longtermcare #assets #hybrid #budget #moneymanagement #bills #beneficiary #benefi…
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This episode is a part of a series of podcast episodes had with the presenters from our December 2023 Embracing The Early Years Professional Learning Day. In this episode, ASCY’s Shari Bell and Camila Casas chat with Natalie Royer about the messages Natalie shared on using belonging as tool, what belonging means in the early years, and what does be…
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Divorce is difficult - emotionally and financially. In this episode of #MoneyGuidewithMarySterk, we will educate you about important factors to consider as you move through your #divorce towards a brighter future.#attorney #CPA #assets #credit #creditreport #cashflow #budget #alimony #taxes #IRA #rothira #qdro #401k Feat Mary Sterk & Kelsey BankeyS…
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In the first 10 years of retirement, retirees are most vulnerable to #market risks, due to their high need for income and a loss of regular income from their careers. #Inflation, unexpected expenses and #healthcare costs can also contribute to these #risks. Another is the #SequenceofReturns Risk.#moneyinaminute #forbes #financialplanner #investing …
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In this episode, ASCY’s Negin Zarifian and Community Living Hamilton’s, Sheri Noblett chat about the book study that they did together on Dr. Shelley Moore’s book "One Without the Other". During their conversation, you’ll hear how the book study got started, the benefits of their book study and what else we could look forward to in terms of continu…
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Staying #organized and on top of your #financial records is no easy feat while you are alive. Imagine how hard it would be for your loved ones to fully grasp your financial picture when you can no longer handle it yourself! The Family Estate Organizer™ represents one, simplified, and organized place for you and your family to always know where all …
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Women are controlling more of the #wealth than ever before. You may be wondering how to turn that into personal wealth. In this episode of #MoneyGuidewithMarySterk, we share 5 Secrets of #Wealthy #Women.#finances #moneymanagement #retirement #investing #insurance #lifeinsurance #longtermcareinsurance #carinsurance #healthinsurance #womenandmoney #w…
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In this episode “A Conversation with Darci Lang about Focusing on the 90%”, ASCY’s Tracey Webster chats with motivational speaker, trainer and author Darci Lang. During their conversations not only do we hear about some of the content from Darci’s book “Focus on the 90%”, we also hear Darci and Tracey build on the content with some everyday concret…
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Sometimes getting started is the hardest part. If you are wanting to establish yourself financially - or if you are looking to help #kids or #grandchildren get a solid footing, tune in to this episode of #MoneyGuidewithMarySterk to hear us share easy tips to start #saving today.#investments #retirement #savings #compoundinterest #paycheck #401k #em…
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#BullMarkets are followed by #bearmarkets are followed by bull markets are followed by bear markets are followed by…. But what does that really mean to you? In this episode of #MoneyGuidewithMarySterk, we discuss the history of the bull and bear markets and how it impacts you.#stockmarket #volatility #emotions #greatdepression #portfolio #greatrece…
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Managing your #portfolio has a lot of moving pieces. Whether you are a do-it-yourself-er or just want to go beyond the basics, it's important to learn about #investing at a higher level. In this episode of #MoneyGuidewithMarySterk, we discuss 3 key #strategies of strong portfolio management to help avoid common pitfalls that #investors frequently m…
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It's never too early to start investing but where do you begin? #budget #debt #emergencyfund #expenses #goals #savings #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #…
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Even #celebrities can spend themselves right into #bankruptcy because they are not living within their means. It sounds simple, yet millions of Americans have a problem with this. #MCHammer #rapper #fortune #fame #hammerpants #plagiarize#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvis…
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In this episode, ASCY’s Kim Burns and Jacqueline Vignanello chat about what a parent or educator could do if they’ve noticed a child with some speech related red flags and what to do next. Jacqueline, shares information about the role of a Preschool Speech Language Pathologist and what speech and language programs are available in Hamilton. Kim sha…
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This episode is a part of a series of podcast episodes that we’re having with the presenters from our December 2023 Embracing The Early Years Professional Learning Day. In this episode ASCY’s Nancy Baverstock and Paola Hohenadel have a deep and rich chat with Lorrie McGee Baird and Anne Marie Coughlin about the conversations, reflections and ideas …
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Many #investors think they understand the concept of #diversification - but most portfolios fall victim to #skew, which can damage results in both an up or down #market. In this episode of #MoneyGuidewithMarySterk, we discuss how to #allocate and maintain a #diversified #portfolio. Feat Mary Sterk & Kelsey Bankey#assetclass #assetallocation #risk #…
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#Estateplanning now involves more than just your #money - it also includes your #digital #assets. In this episode of #MoneyGuidewithMarySterk, we share smart ideas on how to include digital assets in your #estate plan.#will #family #powerofattorney #ipad #laptop #healthcare #itunes #kindle #videogames #executor #beneficiary #tech #techsavvy #login …
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People of all #wealth levels have unique struggles, worries and challenges when it comes to #money. In this episode of #MoneyGuidewithMarySterk, we discuss 10 of the top worries that people with larger amounts of money often have.#investing #loans #relationship #dating #lawsuit #health #medical #celebrities #fiduciary #identitytheft #bankstatement …
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What is a fiduciary? In this episode of #MoneyGuidewithMarySterk, we share what the fiduciary standard means for you and your #retirement accounts.#assets #rollover #IRA #advisor #CFP #risktolerance #insurance #investment #statefarm Feat Mary Sterk & Kelsey Bankeyעל ידי Mary Sterk
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There are many types of IRAs - and people frequently don’t understand the differences or some of the rules. In this episode of #MoneyGuidewithMarySterk, we give you an #IRA overview in a simple and easy to understand way.#taxes #rothira #taxbreak #investment #401k #roth401k Feat Mary Sterk & Kelsey Bankey…
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Many people are confused about the best way and the best time to begin taking their #socialsecurity check. In this episode of #MoneyGuidewithMarySterk, we discuss ways to maximize your own personal social security.#retirement #lifeexpectancy #benefits #retirementplanning #retirementgoals #widow #divorce Feat Mary Sterk & Kelsey Bankey…
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Buying and selling #stocks should come down to a specific evaluation process - but is that what you are really doing? In this episode of #moneyguidewithmarysterk, we take you through a unique methodology to evaluate when it is time to buy or sell your #stockFeat Mary Sterk & Kelsey Bankey#agriculture #tech #financial #johndeere #investing #fundamen…
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We all recognize #Oprah is an icon. She’s truly a #ragstoriches story and has undoubtedly learned a lot of lessons about #money in her life. #oprahwinfrey#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsec…
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This episode is a part of a series of podcast episodes that we’re having with the presenters from our December 2023 Embracing The Early Years Professional Learning Day. In this episode, ASCY’s Kim Burns and Paola Hohenadel jump right back into the conversations, reflections and ideas that Emily and Rosalba shared at the EEY PL Day, around the feeli…
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The Fed has bumped up the #interestrates twice in the last 6 months, and says they intend to keep doing so over the next few years. In this episode of #MoneyGuidewithMarySterk, we share how rising interest rates actually affects YOU.Feat Mary Sterk & Kelsey Bankey#federalreserve #inflation #bank #loan #fixedincome #socialsecurity #wealth #strategy …
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In this episode “A Conversation With Karen Davis On The Student Of Today” you will hear ASCY’s Liz Soyka chat with Karen Davis about the college student of today in Mohawk College’s Early Childhood Education programs. Karen Davis is the Early Childhood Education Academic and Practicum Program Coordinator at Mohawk College in Hamilton. Karen is a pa…
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Some #celebrities pour massive amounts of money into a single venture. And if that venture doesn't go well, it can cause major losses. #JustinTimberlake #MySpace #Facebook #Bono #U2 #PalmPilot #smartphone#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #40…
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#Retirement is a significant life milestone, and the timing of when to do it varies from person to person. It depends on factors such as your financial situation, personal #goals, and #health. Some people prefer to retire early to enjoy leisure years, while others continue working for as long as they can.#retirementplan#moneyinaminute #forbes #fina…
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This episode is a part of a series of podcast episodes that we’re having with the presenters from our December 2023 Embracing The Early Years Professional Learning Day. In this episode “A Conversation With Dr. ABC about flourishing in all our idenities” you will hear ASCY’s Leslie Busija and Shanda Licop jump right back into the conversations, idea…
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La conversation dans ce podcast entre Chantal Pelletier, Orthophoniste et Chelsea Plouffe Assistante Orthophoniste avec le service Premiers Mots, explorera les questions fréquemment posées sur le thème de l’apprentissage d’une langue seconde dans la petite enfance. In this episode you will hear, Chantal Pelletier, Speech Language Pathologist and Ch…
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Today’s episode is a part of a series of podcast episodes that we’re having with the presenters from our December 2023 Embracing The Early Years Professional Learning Day. In this episode “A Conversation With Stacy Hill About Earth Based Wellness” you will hear ASCY’s Negin Zarifian have a conversation with Stacy Hill on earth based wellness in the…
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#Stocks have outpaced #bonds and #inflation over time despite #wars, #recessions, #political upheaval, #terrorism, and other #market shaking events. In this episode of #MoneyGuidewithMarySterk, we discuss some time-tested strategies that still apply for today's savvy #investor. Topics include:#investing #blackmonday #tech #assetclasses #portfolio #…
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What #celebrity money mistake did we learn from #MikeTyson? Ears are not for biting and #money doesn’t last forever. Tyson was the world #heavyweight champion, worth over $300 million at the height of his career in boxing. However, his career came to a sudden halt in 1997 with the legendary ear-biting incident with #EvanderHolyfield. And his ridicu…
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Today’s episode is a part of a series of podcast episodes that we’re having with the presenters from our December 2023 Embracing The Early Years Professional Learning Day. In this episode “A Conversation With Rusty Keeler About The Outdoors” you will hear ASCY’s Leslie Busija have a conversation with Rusty Keeler about the outdoors, risky play and …
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When you're talking about holistic planning and you're trying to find that collaborative partner, it's important for you to find somebody to work with who acts as a fiduciary. A fiduciary is somebody who is bound by the highest legal duty to ethically act in the best interest of their clients. Every Sterk Financial Services client has access to an …
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Are your retirement ducks in a row? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss the main issues that face retirees and how to approach them so you can retire with confidence. Topics include:EmotionsHealth InsuranceMedicareNursing HomeAssetsIncomeLiquidityTaxesInvestmentsSkewStocks401(k)Risk…
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Today’s episode is a part of a series of podcast episodes that we’re having with the presenters that we had at our December 2023 Embracing The Early Years Professional Learning Day. In this episode “A Conversation With Drew Dudley on Leadership” you will hear ASCY’s Amanda Karr and Nicole Colterman have a conversation with Drew Dudley about the ele…
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#BritneySpears was very young when she hit fame and created a large amount of fortune. She had some very public meltdowns early on and her Father became the custodian of her money. Her long running battle to reclaim financial control spurred the fans group called “The #FreeBritney Movement.” Britney successfully petitioned the court to end the #con…
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In this episode, “A Conversation About Working Through a Work Plan” you will hear ASCY’s Charlotte Edwards have a conversation with Nicole Hayes from Brightpath Waterdown Child Care Centre. Together they’ll share a community perspective and reflect on the year long journey of working through a work plan together.…
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Did you know you can reduce your taxes by making a QCD right out of your IRA? A QCD, also known as a Qualified Charitable Distribution, can be a great way to strategically reduce your tax bill. But there are nuances and rules surrounding it that are important to understand. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Ad…
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Valentine's Day is right around the corner and love is in the air! In this episode of "Money Guide with Mary Sterk", we talk about how you can show your love by making sure that your financial ducks are in a row so that your loved ones are all taken care of. Topics include:Life InsuranceBillsDebtMortality TableBenefitsEstate PlanningWillFinancial P…
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How do you know if your #investments are any good? Here’s the thing: #money doesn’t come with instructions. Creating and maintaining a strong #portfolio takes a lot of research and review. That’s why we developed our disciplined investment methodology. #holdings #wealth#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagemen…
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The #NewYear is here and 34% of #resolutions are financial-related. But here's the thing: only 39% of people in their twenties achieve their resolutions each year. If you're over 50, only 14% achieve their resolutions. Having somebody hold you accountable does improve your success rate. Here are some financial resolutions to consider.#creditscore #…
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This episode kicks off a series of podcast episodes that we’re having with the presenters that we had at our December 2023 Embracing The Early Years Professional Learning Day. In this episode “A Conversation With Mary Gordon About Roots and Seeds of Empathy” you will hear ASCY’s Susan Lepore have a conversation with Mary Gordon about how to build a…
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#Oprah says when she's buying things, she asks herself this: “Do my things promote joy, beauty, and usefulness or are they just burdensome? I have decided to keep only that which delights me or enhances my well-being.” Do you own your stuff or does your stuff own you?#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement …
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