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79. Navigating the Complexities of Divorce with Children With Paul Seabrook



  • Esther Szabo is joined by Paul Seabrook, founder and attorney at Seabrook Law Offices, to discuss the potential complexities of divorce on the parties involved and their children.
  • Paul details how to navigate a complex divorce, explaining why you should push for a settlement wherever possible, and avoid disparaging the other party to minimize damage for the children involved.

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78. 3rd Quarter Economic & Market Review With Robert Meckstroth



  • In this episode, Robert Meckstroth discusses how he helps advisors focus on clients while his company focuses solely on investment strategies and portfolio planning.
  • Learn about different types of investors and the importance of tailoring a client’s portfolio to their risk level and what stage of life they’re in.

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77. Taking Care Of Medicare With Susan Lucas



Everyone knows age 65 = Medicare. But the many decisions to make about coverage and plans often catches people by surprise.

In this episode, Esther Szabo is joined by Susan Lucas, a licensed insurance agent specializing in Medicare education and benefits with My Insurance Solutions Inc. Susan discusses when to start planning for coverage, the respective costs for coverage, and how to determine an appropriate plan for one’s needs.

Susan discusses: 

  • What to consider when enrolling in Medicare coverage
  • The purpose of Plans A, B, and D
  • The various applications and considerations of Medicare
  • How your taxable income affects your premiums
  • How to fill the gaps in Medicare with supplemental coverage options
  • And more

Connect With Susan Lucas:

Connect With Esther Szabo: 

About Our Guest: Susan Lucas is a Licensed Insurance Agent, with My Insurance Solutions, specializing in Medicare education and benefits.  Susan’s focus is helping Medicare beneficiaries and people who are turning 65 find the right benefits for their health needs and budget, with licenses in CA, NV, FL and ME.”


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8/25/2021 -76. How Professional Organizers Help Couples Navigate Through Divorce With Joan McCreary



  • In this episode, Esther Szabo welcomes back Joan McCreary, Certified Professional Organizer® and hoarding specialist at JMPO Estate and Home Organizing, to discuss Joan’s experience helping couples and individuals navigating property division through divorce.
  • Joan shares her expertise, and details how organizers can help clients navigate the emotional experience of dividing their belongings and separating their physical lives.

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8/11/2021 – 75. Professional Organizers For People & Estates With Joan McCreary



  • In this episode, Esther Szabo is joined by Certified Professional Organizer® Joan McCreary, to discuss how professional organizers get to know their clients’ habits, goals and life transitions to sort through the clutter. 
  • Joan details how she navigates the organization process through a variety of scenarios, including estate closings and general organization needs.

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7/28/2021 – 74. Be Financially Fearless With Dr. Barbara Provost



  • In this episode, Esther Szabo speaks with Dr. Barbara Provost, founder of Purse Strings, to discuss ways women can become financially fearless.
  • Barbara shares her insight about why women have historically been underrepresented in the financial world, and steps they can take to gain control over their financial future.

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7/14/2021 – 73. The Future of Cryptocurrency With David Makman



  • In this episode, Esther Szabo explores the foundations of cryptocurrencies with IP and Technology attorney David Makman.
  • Esther and David discuss the potential implications of cryptocurrencies, including how they are challenging the value and definition of the dollar, and impact for investors

Connect With David Makman:

Connect With Esther Szabo: 


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6/30/2021 – 72. How Will the Biden Tax Proposals Affect Your Personal Finances? With Michael Fujii



  • Learn the importance of preparing for the proposed tax changes under the Biden Administration in this episode with Michael Fujii, partner at Johanson & Yau Accountancy Corporation.
  • Hear how to efficiently plan for these changes, including changes to income tax brackets, capital gains taxes and the removal of the step up in basis. 

Connect With Michael Fujiii: 

Connect With Esther Szabo: 


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6/16/2021 – 71. Estate Planning for Children With Special Needs With Ellen Cookman



  • Discover how to develop and implement a special needs trust with guest Ellen Cookman, JD, LLM, certified specialist in estate planning, trust and probate law at Cookman Law, PC.
  • Ellen explains the importance of flexibility for those who implement a special needs trust within their overall plan, as well as details the tax exemption available in 2021.

Connect With Ellen Cookman:

Connect With Esther Szabo: 


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6/02/2021 – 70. Answering Your Questions About the Economy and Market in 2021



  • Learn whether the markets have fully recovered from the dip they took through 2020 as Esther Szabo describes the current markets compared to last year.
  • Discover what has changed and what you can expect from the market as normalcy continues to return after the COVID-19 pandemic.

Resources: 

Connect With Esther Szabo: 


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5/19/2021 – Episode 69: Making the Right Retirement Home Decision — With Dr. Jim McCabe



  • Learn the various retirement living options available to you with Dr. Jim McCabe, president of ElderCare Resources.
  • Jim shares his insight about retirement living options, including why it’s so important for retirees to consider social interactions and relationships. 

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Dr. Jim McCabe’s LinkedIn | jmeldercare@yahoo.com: (480) 231-5984 | The Senior’s Housing Dilemma: Stay or Move?  | Senior Living: Senior Housing: Senior Retirement: The Best Places For Seniors To Retire To Cheaply, How To Find The Right Housing And Strategies For Living Comfortably


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5/5/2021 – Episode 68: Moving During COVID-19? Here’s What You Need to Know — With Patrice Horvath



  • Learn how the COVID-19 pandemic has altered the way people in the United States are purchasing and selling homes in this informative episode with realtor Illuminate Properties founder, Patrice Horvath. 
  • Patrice shares the special considerations movers and sellers must keep in mind due to the COVID-19 pandemic and shares her journey and growth as a realtor since her last appearance on Women & Wealth.

 

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Patrice Horvath: (650) 520-7675 | patrice@illuminateproperties.com | Illuminate Properties | Episode 19 – Finding Support in Realtors When Transitioning Homes


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4/21/21 – Episode 67: Helping High Earners Effectively Strategize their Financial Futures – With Erik Schei, CFA



  • In this episode, learn about the HENRY (High Earners, Not Rich Yet) demographic and the financial considerations that come with it. 
  • Join Esther Szabo and Gates Pass Advisors’ Erik Schei as they break down the unique financial opportunities available to this demographic and the challenges they may face.

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Erik Schei’s Linkedin | erik@gatespassadvisors.com


4/7/21 – Episode 66: Solutions for Navigating the High Cost of College — With Nancy Paul



  • Discover ways you can secure your financial future while helping your kids fund their education in this episode with college planning expert Nancy Paul 
  • Nancy shares cost-saving strategies that will empower parents and students to gain confidence, increase their opportunities, and find greater financial freedom

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Pay Less for College Video Series | The College Treasure Chest


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3/24/2021 – Episode 65: How to Give a Killer Presentation — with Kristi Royse



  • In this episode, Esther Szabo talks with Kristi Royse, the founder and CEO of KLR Consulting to explore how you can make the most of your presentations and pitch moments
  • Kristi reveals the expert insight she uses when coaching and supporting her clients, helping them deliver amazing presentations so they can excel in their leadership roles and achieve their personal goals 

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | KLR Consulting | Kristi Royse’s LinkedIn 


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3/17/2021 – Episode 64: Behavioral Finance and the Psychology of Investing — With Jay Mooreland



  • To help you better understand your investing behaviors, Jay Mooreland joins Esther Szabo to discuss ways he helps investors understand how biases influence their investment decisions. 
  • Jay highlights ways you can tune-in to your behaviors and learn from past mistakes to improve future financial decisions.

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | The Emotional Investor | The Behavioral Finance Network | Jay Mooreland’s Linkedin 


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02/24/2021 – Episode 63: How to Gain Clarity Around Your Spending: Part 2 — With Alison Salisbury



  • To help you put together your 2021 budget, Fiscally Fit’s Alison Salisbury reveals effective ways you can create a budget that’s tailored to your needs, no matter how COVID-19 may have impacted your financial picture
  • Learn how you can protect yourself online and avoid online scammers and fraud 

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02/10/2021 – Episode 62: How to Gain Clarity Around Your Spending – With Alison Salisbury



  • In this episode, join Esther Szabo and Alison Salisbury, the owner and founder of Fiscally Fit, as they highlight ways you can get a handle on your spending 
  • They discuss tools to help you identify your spending habits and reveal how understanding your cash flow can help you feel in control of your finances

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Fiscally Fit: (650) 965-4090 


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01/27/21 – Episode 61: Strengthen Your Decision-Making With the Enneagram: Part 2 – With Matt Schlegel



  • Esther Szabo is back with Matt Schlegel from Schlegel Consulting to discuss how you can apply creativity to the Enneagram model to further expand your perspective when making personal and financial decisions.
  • Discover how to determine your Enneagram type, understand its underlying motivating force, and more!

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Connect with Esther Szabo on LinkedIn | Connect with Matt Schlegel on Linkedin | Schlegel Consulting | Matt’s Blog

 


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01/13/2021 – Episode 60: Strengthen Your Decision-Making With the Enneagram: Part 1 — With Matt Schlegel



  • Join Esther Szabo and Schlegel Consulting’s Matt Schlegel to explore how the Enneagram can be used as an effective tool for approaching money and financial decisions. 
  • Learn practical tips for ways you can start implementing this decision-making style today!

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Connect with Esther Szabo on LinkedIn | Connect with Matt Schlegel on Linkedin | Schlegel Consulting | Matt’s Blog


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12/30/2020 – Episode 59: A Reflection on the 2020 Investing Landscape



  • Join Esther Szabo as she reflects on 2020 and some of the lessons it has taught us as investors
  • Reviews financial and investment complexities we’ve faced this year and looks at the factors that affect the first quarter and into the second quarter of 2021

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn


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12/18/2020 – Episode 58 – Planning With Persistence



  • Learn why, despite the many changes and disturbances happening around the world, it’s always best to plan around what is within your reach
  • Discover how a persistent and ongoing planning process can help you during times of uncertainty and transition

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn  


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12/02/2020 – Episode 57 – How to Create Your Complete Financial Picture in 2021



  • Learn how combining the technical and personal aspects of planning provides you a complete financial picture in 2021
  • Discover which areas of your finances to focus on to increase your financial confidence

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Episode 53 – 5 Considerations for Your 2020 Year-End Planning


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11/18/2020 – Episode 56 – Tips for Maintaining Your Physical Wellness During COVID-19 and Beyond – With Dr. Tim Haun



  • In this episode, Esther Szabo welcomes chiropractor and personal trainer, Dr. Tim Haun to help you navigate your physical wellness during times of transition and uncertainty. 
  • Dr. Haun shares actionable tips for maintaining your physical health during life’s ups and down — and while working from home.

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Dr. Tim Haun – Comprehensive Spine & Sports Center


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11/04/2020 – Episode‌ ‌55‌ ‌-‌ ‌How‌ ‌to‌ ‌Navigate‌ ‌the‌ ‌Medicare‌ ‌Maze‌ ‌—‌ ‌With‌ ‌Marcia‌ ‌Mantell‌ ‌



  • Join Esther Szabo and retirement expert Marcia Mantell to learn everything you need to know about navigating the Medicare maze
  • Learn the hidden nuances of when and how to use Medicare and useful resources for increasing your Medicare knowledge

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Episode 54: Do’s and Don’ts Of Social Security in the age of COVID-19 — With Marcia Mantell

Marcia Mantell LinkedIn | What’s the Deal with Retirement Planning for Women? | What’s the Deal with Social Security for Women? | Medicare Website | Medicare & You | SHIP | Medicare Plan Finder


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10/21/2020 – Episode 54 – Do’s and Don’ts Of Social Security in the age of COVID-19 — With Marcia Mantell



  • Join Esther Szabo and Social Security expert Marica Mantell as they discuss important important considerations and highlight why proactive planning is important –especially for women
  • Discover what women need to know when making Social Security decisions so they can can maximize their benefits

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Marcia Mantell LinkedIn | BoomerRetirementBriefs.com | What’s the Deal with Retirement Planning for Women? | What’s the Deal with Social Security for Women? | Social Security Website


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10/07/2020 – Episode 53 — 5 Considerations for Your 2020 Year-End Planning



  • Prepare to to tackle your year-end planning tasks with Esther Szabo’s list of the 5 things you should think about as you plan for your transition into 2021
  • Discover the impact the election, COVID-19, and holiday season could bring to your financial plan — and how to plan accordingly

Gates Pass Advisors: (650) 797-0280 | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn


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9/24/2020 – Episode 52 – 5 Tips for Managing the Loss of a Loved One



  • Join Esther Szabo as she shares her first-hand experience with transition after the passing of her mother on August 30, 2020
  • Discover emotional and financial tips that everyone should know when managing the loss of a loved one

Esther Szabo | Gates Pass Advisors 


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8/26/2020 – Episode 51- How COVID-19 is Impacting Retirement Plans — With Stephen Dobrow



  • Join Esther Szabo and Primark Benefits’ Stephen Dobrow, ERPA, APA, CPC to explore the Coronavirus’ impact on retirement plans 
  • Discover what relief options are available to help you navigate this time and what key considerations you should keep in mind around your retirement plans

Gates Pass Advisors | Primark Benefits


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8/7/2020 – Episode 50 — 5 Key Steps for Planning Your Retirement



  • Learn how you can better prepare for retirement with Esther Szabo’s five key retirement planning steps. 
  • Discover important planning areas that can often be overlooked — and how your advisor can help keep you on-track throughout the planning process.

Gates Pass Advisors | esther@gatespassadvisors.com


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7/22/2020 – Episode 49 — How Holistic Planning Can Guide You Through 2020’s Ups and Downs



  • Learn how effective Gates Pass Advisor’s holistic planning approach can be, and why it is needed now more than ever
  • Learn investment insight and the importance of personalized portfolio management when navigating COVID-19

 

Gates Pass Advisors | esther@gatespassadvisors.com


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7/8/2020 – Episode 48 – What Do We Do When We Don’t Know What To Do



  • Esther Szabo shares shares how she walked through an ‘off the charts’ uncontrollable experience and how she applies that knowledge to navigating today’s pandemic
  • Discover how markets have changed during this crisis and how it has impacted financial planning needs

Gates Pass Advisors | esther@gatespassadvisors.com


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6/24/2020 – Episode 47- Your 2020 Mid-Year Check-In



  • In this episode, join Esther Szabo to review the first half of 2020 and the overall impact of the COVID-19 crisis
  • Discover ways financial advisors are viewing the future — and the value and advice they are bringing to clients right now

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Episode 42 -3 Tips For Navigating Challenging Times


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6/10/2020 – Episode 46 — How has COVID-19 Impacted the Mortgage Industry? — With Greg Osgood



  • Join Esther Szabo and University Investments’ Greg Osgood to explore COVID-19’s impact on the mortgage industry
  • Discover tips for managing your mortgage during this time of uncertainty and ways you can stick to your plan

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Greg Osgood’s LinkedIn | University Investments


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5/27/2020 – Episode 45- Critical Skills Needed for Stressful Situations



  • Listen as Esther Szabo reveals three critical traits that will help you navigate times of stress and uncertainty
  • Discover the reality many are experiencing during this time of increased unemployment and market volatility— and how Esther is advising her clients through it

Resources: Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Episode 41- Decision Making In Difficult Times | Episode 42– 3 Tips for Navigate Challenging Times  |  Episode 43- COVID-19 Investor Update: What Should you be Doing?


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5/13/20 Episode 44 – Protecting Yourself Through Transition With Long-Term Care Insurance — with Elena Smirnov-Otis



  • Hear how planning ahead with long-term care insurance impacted Elena Smirnov-Otis’ experience with transition when her husband was suddenly diagnosed with an incurable chronic illness at age 60.
  • Learn Elena’s words of advice, tips, and tricks for those who may also be planning ahead with, or are currently navigating transition, with long-term care insurance 

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | elena@gaps-USA.com | Being Mortal — Atul Gawande


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05/01/2020 Episode 43- COVID-19 Investor Update: What Should you be Doing?



  • Discover the current state of the markets and its impact on society
  • Learn three tips for navigating these uncertain times so you can make solid, informed decisions

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Episode 42 -3 Tips For Navigating Challenging Times


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04/17/2020 – Episode 42 – 3 Tips for Navigating Challenging Times



  • Join Esther Szabo as she reveals three tips to help you navigate these uncertain times.
  • Discover a variety of supporting actions to incorporate into your daily life during self-isolation and how these actions allow you to be your best self in spite of difficulty.

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn 


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04/01/2020 – Episode 41- Decision Making In Difficult Times



  • Hear Esther Szabo’s calming perspective on how COVID-19 is affecting the financial industry and individuals alike
  • Learn key ways Esther is advising clients during this time of transition to guide them both technically and personally. 

 

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Episode 3 – Proper Prior Planning Prevents Poor PerformanceEpisode 38 – Financial Planner Versus Wealth Manager: What’s the Difference?

 


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SPECIAL UPDATE: COVID-19



In this special episode, we share updates on how we are responding to the COVID-19 situation, how we’re assisting our clients, and what actions we’re advising investors to take during this time of uncertainty.

Tune in now to learn how the markets are being affected and what we’re doing to help clients during this tumultuous time.

Resources: Gates Pass Advisors


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03/18/20 – Episode 40 — Putting Your Trust in a Private Fiduciary During a Transition — with Barry W. Finkelstein



  • Discover what benefits a private fiduciary can bring to you during times of transition 
  • Hear real-life stories from private fiduciary and estate planning lawyer Barry W. Finkelstein on how he guides families through the protection and transfer of their assets — and how he prioritizes keeping families together throughout this challenging process

 

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn | Law Office of Barry W. Finkelstein


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03/04/20 – Episode 39 — What to Keep in Mind This Tax Season



  • Navigate this tax season with Esther’s guide on what to keep in mind this year — especially for people in transition
  • Discover how last year’s market returns might impact your planning and what to consider when reviewing your investments

Resources:

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn

 


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02/19/20 – Episode 38 — Financial Planner Versus Wealth Manager: What’s the Difference?



  • Join Esther Szabo and Erik Schei as they share their experience in the financial services industry and the challenge to consumers as they look to select an advisor
  • Discover what to consider when interviewing advisors — and how Gates Pass Advisors sets themselves apart with their planning approach.

 

Resources:

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn

 


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02/05/20 – Episode 37 – Looking Ahead With Clarity: 5 Predictions for 2020



  • Gain clarity about the year ahead with Esther Szabo’s forecast for 2020
  • Discover how sticking to your plan can help you navigate your finances in a more positive, enjoyable way this year.

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo’s LinkedIn


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01/22/20 – Episode 36 — Lessons for 2020: Reflecting on the Past to Inform the Present



  • Esther Szabo encourages you to consider which aspects of your financial life were out of your control last year  – and decade – which aspect you could, and what actions to take moving forward
  • You will also learn about tools to help you prioritize what’s important during a transition

Resources:

Gates Pass Advisors | esther@gatespassadvisors.com | Esther Szabo LinkedIn

 


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01/08/20 – Episode 35 — A New Decade of Planning: How to Plan for your 2020 Vision



  • Make financial decisions with confidence even if beginning a new phase
  • Tactical changes to portfolios Gates Pass Advisors is making 
  • Discover the importance of incorporating your personal touchstone into your financial plan

Resources:

Gates Pass Advisors | esther@gatespassadvisors.com 


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12/23/19 – Episode 34 — Life Transitions and the Holidays — Help is here!



  • Learn helpful tips for navigating the stresses of the holiday season, especially during times of transition.
  • Discover how a Certified Financial Transitionist®, like Esther Szabo,  supports making the best decisions for you 

 

Resources: Gates Pass Advisors | esther@gatespassadvisors.com 


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12/13/19 – Episode 33 — Care for Your Finances (And You!) This Holiday Season



  • Learn year end financial opportunities you may not want to miss to confidently enter the New Year.
  • Hear practical suggestions for self-care during transition and the holidays

 Resources:

Gates Pass Advisors | esther@gatespassadvisors.com | Episode 15: Navigating Transition Through Nutrition: Part 1 — With Guest Anasuya Basil | Episode 16: Navigating Transition Through Nutrition: Part 2 — With Guest Anasuya Basil | My Body Wisdom

 


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11/27/19 Episode 32 — Solving Your Divorce Puzzle With Forensic Accounting: Part 2 — With Irina Anissimova, CPA, CFF



  • Discover how forensic accountants, like Irina Anissimova, help determine spousal and child support during the divorce process
  • Learn what needs to be considered when a business is involved in the divorce and how Irina can help guide the process

Resources:

Gates Pass Advisors | esther@gatespassadvisors.com | Irina Anissimova | Episode 24: Contemplating Divorce? This is a must-listen episode! — With Guest, Karen D. Sparks, CDFA™, J.D.

 


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11/13/19 Episode 31 — Solve Your Divorce Puzzle With Forensic Accounting: Part 1 — With Irina Anissimova, CPA, CFF



  • Learn how forensic accountants like Irina Anissimova can help simplify and solve your divorce case
  • Discover why women in particular need to become more educated about divorce and which professionals can help them get the best outcomes

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Irina Anissimova


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10/30/19 Episode 30 — Key Items to Address With Estate Planning Attorney E.J. Hong: Part 2



  • Learn what probate is and why it’s important to avoid. Hear about a surprising case that EJ handled that brought the fire department on scene!
  • Estate planning considerations during life’s transitions such as marriage, remarriage, being single — and even success in business!
  • How to best designate retirement account beneficiaries
  • Learn how simple it is to take action and get the help that you need

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Law Offices of E.J. Hong


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10/16/19 Episode 29 — Protect Your Family and Your Future – Estate Planning — With E.J. Hong: Part 1



  • A woman in transition is faced with all sorts of decisions.  E.J. Hong, a Certified Specialist in Estate Planning, Trust, and Probate Law helps women in transition protect themselves with strategic estate planning at all stages of transition.
  • Estate planning can create a significant impact during times of transitions, from the loss of a loved one to receiving a windfall.

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com | Law Offices of E.J. Hong

 


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10/02/19 Episode 28 — How to Master Risk: From Economic to Personal



  • Whether the next recession is imminent or not, discover what you can control and manage your fears
  • Learn to mitigate risk, open doors to opportunities and avoid common investing mistakes

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com


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09/18/19 Episode 27 — How Financial Advisors Are Paid (And Why)



  • Discover how financial advisors charge for their services, which method Gates Pass Advisor chooses — and why
  • Tune in now and get clarity on how Gates Pass’s planning method goes hand-in-hand with how they charge clients, along with what the planning process looks like

 

Resources:

Gates Pass Advisors | Mind Games | esther@gatespassadvisors.com 


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09/04/19 Episode 26 — Breaking Down Your Planning Barriers



  • Tune in now to learn about the strategies Esther Szabo uses to help prospective clients overcome their hesitation around hiring a financial advisor 
  • Learn how the Gates Pass Advisors team helps clients put guardrails in place so they can better navigate life’s transitions and unexpected road bumps

 

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com

 


08/21/19 Episode 25 — Want Financial Advice Without Handing Over Your Portfolio? Here’s What You Need to Know



  • Listen in to learn how fiduciaries like Esther Szabo handle requests for “quick fixes” from clients who don’t want to receive a full range of services
  • Discover what you need to know about effective personal financial planning whether you employ a portfolio manager or manage your financial future independently.  
  • Tips about mental blind spots, big-picture planning, and reaching your goals

 

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com


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08/07/19 Episode 24 —Contemplating Divorce? This is a must listen episode! — With Guest, Karen D. Sparks, CDFA™, J.D.



Learn how a Certified Divorce Financial Analyst works with you to:

  • Understand the financial impact and legal process of divorce before your move forward
  • Plan well for this challenging transition 
  • Focus and be supported throughout the many details of the process

Resources: Gates Pass Advisors | esther@gatespassadvisors.com | Divorce Financial Strategists™: (650-201-6311) | CDFA@DivorceFinancialStrategists.com

 


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07/24/19 Episode 23 —Gates Pass is Growing!  Providing what Women Need to Find Clarity During Transitions — With Erik Schei 



  • Listen to learn more about why this woman-owned, women-focused firm hired Chartered Financial Analyst®, Erik Schei!
  • And why our investment expertise provides more than portfolio management services to our clients navigating personal life change

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com


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07/10/19 Episode 22 — How to Move Forward During Times of Stress and Uncertainty



Ever feel frozen or unsure of the right next step to take in your financial life?

Learn about a simple tool to help you move forward — at a pace that works for you!

Tune in now to learn more about Esther Szabo’s “Am I Okay Process” and how it can help ease your transition.

Resources:  Gates Pass Advisors | esther@gatespassadvisors.com


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06/26/19 Episode 21 — Transitions with Your Aging Parent



In this episode, you’ll learn:

  • The challenges that can come with navigating a parent’s financial situation
  • Why it’s important for your parents to keep some of their assets for themselves
  • The stages of transition that can come with cognitive decline
  • And more!

Having just celebrated her mom’s 95th birthday, Esther Szabo can appreciate what it’s like to have an aging parent and experience the inevitable challenges and transitions that come with it.

Resources:  

 

Gates Pass Advisors | How to Care for Aging Parents: A One-Stop Resource for All Your Medical, Financial, Housing, and Emotional Issues

 


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06/12/19 Episode 20 — Esther’s in Transition – she’s getting married!



A Certified Financial Transitionist also goes through transitions!   Esther experienced a very deep loss when she became a widow in 2014. Now she looks forward to remarrying later in 2019.  

She uses her own experience to describe which of the four stages of transition she is currently in, and illustrates signs of flow or struggle and how she is making decisions to support her own long term future- much as she advises her own clients.

Whether your life transition brings you joy, like a new marriage, or grief, like the loss of a partner, there are several stages you must travel through before finding your new normal.

In this episode, you’ll learn:

  • What the four stages of transition are
  • Esther’s experience with her current transition into a new marriage
  • The experience of creating a pre-nuptial agreement
  • How moving in with someone sparks a new set of transitions
  • And more!

Tune in now to learn about the stages of transition and strategies you can use to flow through each stage!

Resources:  Gates Pass Advisors


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05/29/19 Episode 19 – Finding Support in Realtors When Transitioning Homes



Episode 19  With Guest Patrice Horvath

For many people, moving houses is a big transition and can be an overwhelming experience. That’s why it’s important to consider who you will team up with to help you navigate this transition.

Today, Esther Szabo is joined by realtor Patrice Horvath to explore the decision-making process that comes with moving. Esther and Patrice discuss how realtors can make a big impact on the moving experience and why Patrice treats real estate as a relationship business where her clients are given the trust, integrity, and loyalty they deserve.

In this episode, you’ll learn:

  • Why it’s so important to interview realtors
  • How many realtors Patrice recommends interviewing before you make your decision
  • How Patrice helps clients navigate the emotional part of decision-making when moving
  • What Patrice does to help older adults and their children map out a moving plan
  • The importance of bringing a financial planner into the conversation
  • And more!

Listen now to learn about the life-changing transition of moving and how realtors like Patrice can help you navigate this time to find a new home that’s right for you!

Resources:  Gates Pass Advisors | Patrice Horvath: (650) 520-7675 | Patrice@PatriceHorvath.com


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05/15/19 Episode 18 — Technology is Great—How Effective is it for Personal Financial Planning? What I Discovered From Testing out Online Financial Planning Tools



Technology has seeped into almost every corner of our everyday lives, including our financial planning. Most of us feel a bit anxious if our cell phones and connections to time saving apps are too far out of reach.   But how effective is technology in the realm of personal finance? Do you get the same value that you would with a financial professional?

Esther Szabo tested online financial planning tools, including services that provide retirement planning and investment portfolios. Today, she’s reporting back on what she found.

In this episode, you’ll learn:

  • What financial planning and investment questions robo-tools asked
  • Which questions, surprisingly, were not asked
  • What information and solutions were provided
  • What Esther discovered when she looked a little more closely at portfolio allocation recommendations
  • What critical issues were left unaddressed
  • How financial professionals collaborate with clients where online tools don’t
  • The importance to personal success of treating each person uniquely
  • And more!

Tune in now for an under-the-hood look at online financial planning tools and find out what to consider when using them.

Resources:  Gates Pass Advisors | Episode 13: Secrets & Strategies of Long-Term-Care Part 1 | Episode 14: Secrets & Strategies of Long-Term-Care Part 2


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05/01/19 Episode 17 — What Investors Need to Know About Global Economic Conditions



Global economic conditions are weaker now compared to this time last year. As an investor, what does this mean for you?  Should you be making changes?

Today, Esther Szabo is here to help you make sense of the current economic conditions and decide how to plan accordingly. The goal is to help you make sound investment decisions, be deliberate with your financial planning, and sleep stress-free at night.

In today’s episode, you’ll learn:

  • Why it’s not a surprise that the global economy is slowing
  • What investors might anticipate for returns in 2019
  • The best perspective to maintain about one’s investment portfolio
  • Why the Federal Reserve is doing always makes news
  • Esther’s recommendation for emergency reserves
  • How to ease your investment concerns
  • And more!

Join Esther now to discover what you need to know about the economy and your approach to investing!

Resources:  Gates Pass Advisors | FPA Planner Search

 


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04/17/19 Episode 16 — Navigating Transition Through Nutrition: Part 2 — With Guest Anasuya Basil



At Gates Pass Advisors, Esther Szabo helps women in transition establish a firm financial footing so they can move forward with confidence and ease. But getting through a transition successful doesn’t just depend on the financial side — it’s a holistic process that involves several pieces, including nutrition.

In part two of her mini-series on the power of nutrition during times of stress, Esther is joined again by nutrition consultant Anasuya Basil. They continue exploring the various ways that stress can affect the body and what you can do to ease tensions and create body awareness.

In this episode, you’ll learn:

  • Why Anasuya named her firm “My Body Wisdom”
  • How challenging times can affect the body
  • Overcoming brain fog
  • Improving sleep
  • Supplements that support navigating stress successfully
  • And more!

Tune in now for another engaging episode on the power of nutrition during times of transition!

Resources:  Gates Pass Advisors | My Body Wisdom

 


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04/03/19 Episode 15 — Navigating Transition Through Nutrition: Part 1 — With Guest Anasuya Basil



During big life transitions, life can be stressful.

That’s why Esther Szabo is an advocate for surrounding yourself with a network of support to ease the burden of big life changes.

Today, Esther enlists the help of Anasuya Basil, a nutrition consultant with certifications in Asian Bodywork Therapy (ABT) and Advanced CranioSacral Therapy, to explore how nutrition and biochemistry can support or hinder decision-making during times of transition.

In this episode, you’ll learn:

  • About Anasuya’s own experience with transition
  • What happens biochemically when we’re under stress and how it impacts our ability to make decisions
  • Why common unhealthy habits during times of stress can exacerbate the problem
  • How to introduce transitional foods into your diet during stressful times
  • And more!

Join Esther and Anasuya now for an information-packed episode on the different ways you can manage stress in your life!

Resources:  Gates Pass Advisors | My Body Wisdom

 


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03/27/19 Episode 14 – Secrets & Strategies of Long-Term-Care Part 2: Surviving a Changing Environment—With Guest Kirk Dryden, CLU®, ChFC®



Long-term-care plans are not one-size-fits-all. But with so much to consider when choosing a plan, how can you know which options are best suited for your needs?

In part two of her life-care insurance mini-series, Esther Szabo is back with licensed life analyst, Chartered Life Underwriter®, and Chartered Financial Consultant® Kirk Dryden to dive into what long-term-care insurance looks like today, how you can put together a plan, and what you should consider when doing so.

In this episode, you’ll learn:

  • What parts of a policy to consider
  • Which policy elements you should weigh carefully before incorporating into your strategy
  • How the industry has addressed and rectified its problems
  • About the two main types of policies being sold today: the standalone traditional long-term-care product and the hybrid product
  • And more!

Tune in now to learn more about preparing your own protective long-term-care plan and strategy!

Resources:   Gates Pass Advisors | KDryden@JohnsonDugan.com | Johnson & Dugan | (650)-238-3214 |

 


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03/13/19 Episode 13 – Secrets & Strategies of Long-Term-Care Part 1: Surviving a Changing Environment—With Guest Kirk Dryden, CLU®, ChFC®



Understanding your long-term-care insurance can be confusing and hard to keep up with when you consider the industry’s ever-changing structure, bad reputation, and rising rates.

Today, Esther Szabo joins licensed life analyst, Chartered Life Underwriter®, and Chartered Financial Consultant® Kirk Dryden to cover what you need to know about long-term-care insurance.

In this episode, you’ll learn:

  • How long-term insurance has evolved over the years
  • Where the long-term-care industry has missed the mark
  • What happens to your policy when a long-term-care company goes out of business
  • Why it’s important to periodically check on your policy
  • And more!

Join Esther and Kirk now as they explore the history and genesis of long-term-care insurance and its bad reputation.

Resources:  Gates Pass Advisors | KDryden@JohnsonDugan.com | Johnson & Dugan | (650)-238-3214 |


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02/17/19 Episode 12 – Five Ways to Navigate the Post-Divorce Transition



You’ve just reached a divorce settlement. Now what?

In times like these, many people don’t consider reaching out to a financial advisor—but professionals like Esther Szabo can be of tremendous help to women who’ve experienced big life transitions, like divorce.

Today, Esther outlines the top five ways she helps women navigate life after divorce according to their unique needs and circumstances.

In this episode, you’ll learn:

  • Why Esther recommends working with a Certified Divorce Financial Analyst
  • Why divorce is such a significant life transition
  • About the importance of having a team of support, personally and financially
  • What typically needs to be addressed “in the now” versus later
  • Why Esther believes it’s not actually urgent for women to invest settlement money
  • And more!

Join Esther today and learn five keys to transitioning after a divorce!

Resources:  Gates Pass Advisors | 650-797-0280 | The Institute for Divorce Financial Analysts

 


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02/13/19 Episode 11 – Life Changes Brought About by Transition



Susan Bradley, founder of the Sudden Money Institute says, “When life changes, money changes. And when money changes, life changes.”

Having experienced significant life changes herself, Esther Szabo knows firsthand how life changes affect not only your everyday life, but also your finances. Today, Esther explores the link between life changes caused by transitions and finances, and how emotions can affect our decisions.

In this episode, you’ll learn:

  • How money is linked to your emotions
  • How Esther serves as a support network for her clients—and why she has her own support network as well
  • How being a Certified Financial Transitionist® sets Esther apart from traditional financial advisors
  • Why clients’ abilities to define and navigate what is most important to them is pivotal to the planning process
  • And more!

Tune in now to learn how emotions can affect our financial decisions, and how we can better navigate these decisions during times of transition.

Resources: Gates Pass Advisors | 650-797-0280  

 


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01/30/19 Episode 10 – So You Want to Be Self-Employed?



The idea of being self-employed can be tempting for many. Having flexibility and freedom while being your own boss—what could be better?

But starting your own business isn’t always easy, and there is a lot you must consider.

Having been self-employed for almost 20 years, Esther Szabo is here to share the valuable insights she’s learned, from both a business and financial perspective, when it comes to being your own boss.

In this episode, you’ll learn:

  • The importance of creating a business plan
  • Why you should always have insurance—even if you don’t want the extra expense
  • The professionals you should hire to help guide and protect you, including attorneys and tax professionals
  • Why you should start looking for staff sooner rather than later
  • And more!

Join Esther now as she guides you through which considerations to make on your journey to becoming self-employed!

Resources:  Gates Pass Advisors | 650-797-0280  


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01/16/19 Episode 9 – A Six-Letter Dirty Word



The word “budget” may feel like a six-letter dirty word to many, but not to Esther Szabo.

Today, Esther explores the benefits of a budget in today’s economy and how it can be beneficial to have one, even if someone else manages it for you.

In this episode, you’ll learn:

  • Why budgeting is a crucial part of maintaining your finances
  • How budgeting can help you stay focused during periods of uncertainty
  • The different types of budgeting tools and resources available
  • The challenges you may face when budgeting and tracking expenses individually
  • And more!

Tune in now to learn how you can take control of your money through budgeting!

Resources: Gates Pass Advisors | 650-797-0280
Daily Money Manager | NAPO | Quicken | Microsoft Excel | Pear Budget | Mint

 

 

 


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01/02/19 Episode 8 – How to Navigate Uncertainty: Part 2



 

Recent market volatility has been a source of concern for many. Today, Esther Szabo continues to explore these feelings of concern in part 2 of her mini-series on navigating uncertainty.

In this episode, Esther sheds a light on the factors creating feelings of uncertainty, along with:

  • The effects the 2008 recession continues to have on people today
  • Factors currently influencing market volatility
  • Actions both advisors and clients should take during financially uncertain times
  • What individuals without advisors can do when feeling uncertain about their finances
  • And more!

Tune in now to learn more about what you can do to break through your financial uncertainty!

Resources: Gates Pass Advisors | 650-797-0280 | How to Navigate Uncertainty: Part 1

 


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12/19/18 Episode 7 – How to Navigate Uncertainty: Part 1



Since 2009, we’ve had a good run with the stock market. But chances are, this strong streak won’t last much longer.

Women who are experiencing financial transitions in addition to a precarious stock market often endure feelings of uncertainty. Today, Esther Szabo shares how she helps clients cope with these challenging feelings.

In this episode, you’ll learn:

  • Why rumination is a common response to anxiety—and why that can be a problem
  • How financial planning helps women respond to feelings of uncertainty
  • Examples of how Esther has walked clients through the decision-making process
  • How to determine if a financial advisor will be objective
  • And more!

Tune in now to learn about Esther’s approach to helping women navigate their feelings of uncertainty!

Resources: Gates Pass Advisors | 650-797-0280

 


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12/12/18 Episode 6 – Top Five Year-End Planning Considerations



As we approach the end of 2018, now is the perfect time to start thinking about some important year-end financial planning decisions and to begin looking ahead at what’s to come in 2019.

In today’s episode, Esther Szabo shares her top 5 things you should consider before the end of the year to keep your finances on track.

In this episode, you’ll learn:

  • How the new tax laws may significantly affect your 2018 deductions
  • The benefits of using a donor-advised fund and how to set one up
  • Why it’s essential to check how much capital gains income your mutual funds are estimated to distribute in your taxable portfolio
  • What to consider when looking ahead to 2019
  • How Esther honored her need to be alone and grieve without becoming isolated
  • And more!

Tune in now to learn about Esther’s five year-end planning tips so you can head into 2019 with confidence!

Resources: Gates Pass Advisors | 650-797-0280


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11/21/18 Episode 5 – Don’t Let These Financial Termites Near Your Portfolio: Part 2



In part two of her mini-series on financial termites, Esther Szabo explores a specific area that financial termites could damage—your investment experience. While no one can control the stock market, Esther believes you can control your choices and make moves to eliminate the termites that could be threatening your investments.

In this episode, you’ll learn:

  • How Esther and her team determine a client’s level of risk tolerance
  • How investors can break out of a cycle of relying on past experiences and advice from friends and family
  • Why fear is a go-to emotional state for investors
  • The most common phrase that Esther hears from clients
  • And more!

Tune in now and learn how to kick financial termites to the curb and improve your investment experience!

Resources: Gates Pass Advisors | 650-797-0280 | Episode 4 – Don’t Let These Financial Termites Near Your Portfolio: Part 1 

 


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11/07/18 Episode 4 – Are You Overlooking These Financial Termites? Part 1



What are financial termites?

Like their namesake, financial termites are easy to miss and are issues that chew away at your financial foundation. These termites chew little by little, until the day their destruction becomes obvious.

Today, Esther Szabo explains how you can stop these financial termites in their tracks.

In this episode, you’ll learn:

  • Four commonly overlooked financial issues
  • How to have a kind, straightforward conversation about money-gifts with your adult children
  • Reasons why people avoid talking about money with family
  • Why the conventional wisdom that during retirement you’ll spend 70% of what you spent while working is wrong
  • And more!

Tune in now to learn how you can maintain a strong financial foundation and protect yourself from financial termites!

Resources: Gates Pass Advisors | How Much Money Will You Really Spend in Retirement? Probably a Lot More Than You Think

 


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10/24/18 Episode 3 – Proper Prior Planning Prevents Poor Performance



As Esther Szabo likes to say, proper prior planning prevents poor performance.

In today’s episode, Esther and Aric Johnson discuss the basis of Esther’s financial planning services at Gates Pass Advisors and how she helps clients build a solid financial foundation to ensure future success.

Esther explains why she digs deeper than just the numbers when creating financial plans, finding out what really matters to clients and what their personal goals are so she can make a unique plan that is just right for them.

Listen now to find out how asking yourself questions that aren’t only about your finances can help you build your financial plan on a solid foundation.

Links: Gates Pass Advisors


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10/10/18 Episode 2 – The Advantages of Working with a Counselor Turned Financial Planner



When Esther Szabo was in her early 20s, she earned an associate degree in social services. She hoped to become a counselor.  

At the time, Esther never imagined that she’d use her counseling skills every day to help women create financial plans.  

In this episode, Esther shares how her experience as a student, teacher, and counselor has enhanced the level of service she offers her clients. Esther also explains why educating clients is a significant part of her practice.

Join Esther today to learn how you could benefit from working with an education-focused financial planner.  

Resources: Gates Pass Advisors | esther@gatespassadvisors.com  


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09/26/18 Episode 1 – Get to Know Esther Szabo, Founder of Gates Pass Advisors 9/26/18



In this inaugural episode of the Women and Wealth podcast, you’ll learn all about Esther, founder of Gates Pass Advisors. After enduring several challenges in her life, she has found her passion in helping others, specifically women who are going through transitions.

In this episode, Esther draws connections from childhood and recent experiences to explain why she focuses on serving women in transition. Esther also defines different types of transitions, lists the questions she asks new clients, and explains what her next steps are as their financial planner.

Esther additionally discusses more of who she is personally, talking about her love for the outdoors, music, and paper crafting.

Tune in now to learn more about Esther Szabo, her specialization, and how she helps women face the future with confidence.

Resources: Gates Pass Advisors | esther@gatespassadvisors.com