Finance Strategies for the Uber Rich ft. Anjali Jariwala + Tiffany Aliche [BA QA]

BA Fam, we’ve got a special one for you today! 🎉 Tiffany is back in the studio and she didn’t come alone — she brought along her powerhouse financial advisor Anjali Jariwala.

If you’ve ever wondered what it really looks like to build wealth after financial setbacks, this convo is for you. Tiffany opens up about her journey from foreclosure to financial freedom, and how she learned to let go of control and finally trust someone else with her money. (Spoiler: it wasn’t easy!)

Anjali breaks down the emotional side of money — especially for children of immigrants — and shares the tools she uses to help clients like Tiffany make smart financial moves. We get into everything from navigating money trauma, to building a solid financial foundation, to unlocking “cheat codes” the wealthy use (ever heard of a pledged asset line? 👀).

You’ll also hear:

• Why Tiffany interviewed nearly 20 advisors before landing on Anjali
• How financial planning goes way beyond investing (think: insurance, estate planning, and even grief support)
• The real talk about debt: when it’s dangerous and when it can actually be a wealth-building tool
• Tiffany’s behind-the-scenes stories of buying not one but TWO new properties — and the strategies that made it possible

This episode is equal parts financial glow-up and bestie therapy session. Whether you’re just starting out or already stacking assets, you’ll walk away with practical tips and a reminder that money is emotional and that’s okay.

See omnystudio.com/listener for privacy information.

Episode Transcript

Speaker 1 (00:04):
Hey, hey, via fam, Welcome to Brown Ambition. And I
still haven't decided which day this episode's going to fall.
I'm gonna have to like have the conversation and then
decided it's.

Speaker 2 (00:14):
A wash day. Woosaw?

Speaker 1 (00:16):
Is this ba qa? Is this Brown table? I don't
know because I'm in you know, I have I have
a familiar face here in the studio and the rules
just don't apply whenever.

Speaker 2 (00:26):
Tiffany's swing vine to say hello.

Speaker 1 (00:30):
And I love the timing of this, Tiffany, because it
has been a year since you dumped me. Oh my god,
it's been a year since you told me you were leaving.
And I'm just so happy that we love each other
more than ever and you're back.

Speaker 3 (00:45):
I am. I Remember's funny because you actually called me
when I was in Martha's because I called, we spoke,
and it happened when I was in Martha's vineyard. You know,
I felt like the I heard the voice of the
vine it's time to leave Brown and Bisson And I
was like what because Made and I were just turing like.

Speaker 4 (01:00):
New false time It's time to live.

Speaker 3 (01:03):
So Mandy called me when I was back this year
in Martha's vineyard, and I was like yeah, and then
she was like, so, how do you feel now that
there's been a year since you've dumpy. I'm like, oh
my god, girl, they'll say that, but yeah, I feel
like I see you.

Speaker 1 (01:13):
Now happier than ever, Like, look, how good I'm doing.

Speaker 4 (01:18):
Now.

Speaker 3 (01:19):
I'm I feel like we actually talk more now. I
feel like, you know, because we're not talking about business,
you know, and yeah, yeah, and I feel like I
see you more now, so which is great.

Speaker 1 (01:26):
So well, this has been a couple of months in
the making. And ba fam, I know y'all remember Tiffany.
Of course you do. She is Brown Ambition. But Angelie,
you don't know this, but you have been like a
character in the Brown Ambition universe for years. And if
your nose used to like itch, that's the thing we
do in the South, like if your nose itches, company's

(01:47):
over or someone's talking about you. If your nose used
to itch, like every Monday, that's probably why. Because Tiffany
was saying, Angelia and tiff is not alone. If you're watching,
you can see we have a third beautiful face here
in the studio.

Speaker 2 (02:01):
We have Tiffany's.

Speaker 1 (02:03):
Well, you're not only Tiffany's financial advisor, but you are
an incredible wealth manager, financial advisor. It's Angelie, y'all, she's
a celebrity.

Speaker 2 (02:17):
Welcome on.

Speaker 5 (02:20):
Having me, guys.

Speaker 1 (02:22):
It's nice to put a face to the name and
have you here. So we're going to get into y'all's relationship.
I know, Tiffany, when we first sort of we're talking
about this show a couple of months ago, you were
in the middle of one of these big transactions. You're
buying another property. Oh too property, Okay, buying two properties.
And it became sort of a theme whenever you would

(02:42):
talk about like a big financial choice you were making,
or like something big you had to pay for. You know,
you have old Tiffany that you would talk about, like
dealing with you, Tiffany who was foreclosed on, Tiffany who
survived the recession, and you know, carrying that trauma with you.
And like, I always had the impression that Angelie was
a really key figure for you and helping you make smart,

(03:04):
savvy financial choices without letting old Tiffany's trauma like get
in the way. So I think we should we should
start there, Like, let's talk about why you sought out
an Julie, where you were at emotionally around money at
the time, and how y'all's relationship has grown over the
six years that y'all have been working together.

Speaker 4 (03:24):
Well, I'll start. So I posted on Facebook.

Speaker 3 (03:27):
I was like, I need a find angel advisor because
I I was making good money in the business and
I had, even though I knew better, I had so
much of it in savings because I was I hadn't
made and y'all you know, if you listen, I made
all these mistakes in my twenties and it just all
these investment mistakes, and I was scared to do that again.
I did not trust myself with the wealth I was making,

(03:47):
and so I just was like, I'm just gonna save
it like a little old lady and put the money
under my mattress, which was just my ally savings account.
But I was like, Okay, Tiffany, you're about to You're
gonna have seven figures in here.

Speaker 4 (03:57):
You keep it up, and it's ridiculous.

Speaker 3 (03:59):
So I post sit on Facebook and a bunch of
people set me financial advisors and certified financial planners that
they suggested, and I want to say it was maybe
like twenty of them. So of the twenty I because
I was like, okay, how do I bet? So I
created this document that I used to call my soul
called financial Life, where it was like my whole life
in a Google doc.

Speaker 4 (04:18):
Like how much did I make?

Speaker 3 (04:19):
What I had in savings, credit card to anything by
myself and my late husband for drew everything and including
our goals. And so I sent it to each of
these financial advisors, and about the twenty of them, maybe
like ten or eleven or something like.

Speaker 4 (04:35):
That, said I think I could help you.

Speaker 3 (04:36):
Because so I wanted to at least let people kind
of self select themselves. And then I literally set up
over a two week span. It was ectic a call,
like a two calls a day. So and then I
had this list of questions to ask. So I was
looking for a mix of things. I was looking for
someone who won. I felt like, was knowledgeable obviously who
also too. They had to be able to they had

(04:57):
to have clients that both had like personal stuff. But
I was I had a business, so I wanted that.
And then but then deeper than that, I wanted somebody.
I ideally I wanted a woman, but you know, it
wasn't like it had to be. But I wanted that
because there's a deeper like understanding that I feel like
women navigate differently, and I really wanted somebody that was

(05:17):
a teacher, like, because don't just tell me this is
what I'm doing, like, but why and how? And I
wouldn't feel ashamed of asking those questions. And so the
funny thing is Angelie was not on that initial list.
So as I was interviewing these like eleven twelve people,
like every fourth person someone would be like because they
could tell I was a lot. Every fourth person was like, yeah, girl,

(05:40):
I can't help.

Speaker 4 (05:40):
You, but you know who you should talk to? Anali.
I'm like, who's that? So I wrote her name down.
I'm like, we'll see.

Speaker 3 (05:45):
Because I was very much like jaded, like none of
these people are good enough for me, because I'd been like,
you know, I had not had good experiences with financial
advisors before, and so yeah, the.

Speaker 1 (05:55):
Fact they just weren't used to like, what was it
that wasn't what was making them be like I'm not
the right planner for you? And what was it that
how did you know they weren't the right one?

Speaker 4 (06:03):
Well, they let them like.

Speaker 3 (06:03):
So so one woman that was like, oh, I specialize
the divorced women. I was like, okay, that's not me,
or oh, you have a business. I didn't realize that, okay,
that's not me, or I think I was just like
the kind of questions I was asking, you know, And
so it was like so it it came down to
maybe like two women, but even that other woman, like
I can't remember her name, she.

Speaker 4 (06:24):
Also yeah kaya. She also suggested that. I was like, well, Dag,
who is this Antolie? A woman?

Speaker 3 (06:29):
She's like the financial advisor's financial advisor like nas is
like the rappers rapper, you know.

Speaker 1 (06:33):
And I was like, well, so she was your favorite
financial advisor is financial?

Speaker 2 (06:37):
Yeah?

Speaker 1 (06:37):
But literally wait your favorite your financial advisor's favorite advice.

Speaker 2 (06:41):
Yes.

Speaker 3 (06:41):
And so I was like okay, and so I added
her to the list. And she was the last person
that I interviewed, and right away she we just uh connected.

Speaker 4 (06:51):
I just thought like, okay, she's really nice.

Speaker 3 (06:53):
She explains things, and I was very afraid and I
wanted to do everything myself and maintain control, and she
pretended like that's how it was going to go. So
I was like ooh great, and yeah, so right away,
I mean, you know, I told Youurelle this is what
we're doing. He was like, ugh, but it was important
to me too that he felt comfortable and right away,

(07:14):
you know, Angelie made him feel comfortable too, and so yeah,
it just was like a really great match right away.
And so that's how we met. It was because other
people suggested her, and because what I like about Angelie, right,
because you have your CPA, right, you're a certified So
she has a CPA, which means she's got this you know,
strong accounting background.

Speaker 4 (07:34):
But also she's.

Speaker 1 (07:35):
AKA, which means she is a the.

Speaker 3 (07:39):
Gold standard of financial advisors. And so there was all
these components for me. Everyone doesn't need all of that,
but because I knew I wanted somebody who can help
me navigate the business stuff as well as the personal stuff.
All of her like you know, the letters behind her name,
was like, okay, this is great.

Speaker 2 (07:54):
For me and Angelie.

Speaker 1 (07:55):
On your end, you're an entrepreneur in your own right,
you have your own practice. Where where were you at
when you came across Tiffany? And were you I know
that you specialized in working with like business owners and physicians.

Speaker 2 (08:06):
I believe yes, so was Tiffany like.

Speaker 1 (08:08):
Your ideal client? Were you immediately like, oh yes, yeah.

Speaker 6 (08:11):
I mean so like for me, I you know, like
there's boxes that need to be checked in terms of
like who I can help, in terms of the person
can utilize all of my service offerings, right, So Tiffany
checked the box for that. But the relationship is one
in which it needs to be a fit on both sides,
So like, I also want to make sure that every

(08:31):
person I was working with there's a personality fit. Tiffany
sent me her like fifty page Google doc, right, and
when we did the call, and I was like, okay, cool.
And when we did the call, she's like, shall we
walk through the document?

Speaker 5 (08:43):
And I was like no.

Speaker 6 (08:44):
I was like, why don't you tell me what why
you're seeking out a financial advisor and why it hasn't
worked out in the past, right, And honestly, we just
talked about all the emotional side of money, right, And
Tiffany went through like She's like, well, I worry about this,
I worry about that, and I'm sitting on this butt
of cash and I don't know what to do.

Speaker 5 (09:04):
And I was like okay.

Speaker 6 (09:05):
I was like, well, and you know, part of it
is like from a technical standpoint, if nearready evet in
me so she knows I can do the job. The
question is can I build that trust and relationship with
her to help her give up a little bit of
that control so that she feels empowered to make better
financial decisions right and when? And I talked to Tiffany first,

(09:28):
and then I told her, look, I have to make
sure it's serve.

Speaker 5 (09:30):
Fit for both people. So I want another follow up
call with Durell.

Speaker 6 (09:33):
On that call to make sure he also is comfortable
with me, because we're not going to work in a vacuum.

Speaker 5 (09:38):
I work with both people because both people should be involved.

Speaker 6 (09:41):
I know their financial situation, so yeah, I mean it
was It's been a great fit. I work with a
lot of immigrants and children of immigrants, so there is
that like money trauma there. I have money trauma, right,
so I can identify it and I know what hindrance
and barriers are created for me as I I was
evolving in my financial life. So part of it is

(10:03):
like the passion I get working with clients who also
have a similar level of like trauma, discomfort, whatever the.

Speaker 5 (10:11):
Case may be. Because it's really we.

Speaker 6 (10:13):
Have to really be able to separate like that emotional
aspect with money in order to make better financial decisions.
And I'm big on education, So I don't like telling
clients what to do. If I tell them what to do,
they're not going to listen to me anyways. So if
I educate them, then they feel empowered to make those
decisions for themselves.

Speaker 1 (10:29):
How would y'all characterize your immigrants? So, Angelie, you're the
child of immigrants or you are.

Speaker 5 (10:34):
I'm a child of immigrants, So what is.

Speaker 1 (10:35):
It about because I'm not a child of immigrants. I'm
curious because I've heard Tiffany's side of things, But like,
how would you characterize if you work with a lot
of child of children of immigrants? What are some of
the hang ups that you know they can have?

Speaker 6 (10:48):
Yeah, I mean so a lot of children of immigrants, right,
Like when you have immigrant parents, like they have made
such like huge sacrifices to come over and their biggest
concern is financial security. Right, So, like you're raised with
a lot of like you know, needing to be responsible,
needing to like get a good education, make sure picking

(11:10):
a career that's financially stable, so.

Speaker 5 (11:12):
A lot of your identity becomes.

Speaker 6 (11:16):
Goals driven, Like, Okay, I need to achieve this I
need to achieve that I need to achieve this financially,
and so it's hard sometimes to separate that emotional trigger
when it comes to money from just being able to
make like an unbiased decision. And to be honest, it's
very hard to make unbiased decisions when it's your own money.

(11:36):
It's why my husband and I have a financial advisor,
because even though I do this for a living and
I've gone through therapy about it, it still comes up right.

Speaker 5 (11:43):
So you need someone impartial to do that.

Speaker 6 (11:46):
I'm also the oldest daughter, so there's another added layer
when you're the oldest daughter of immigrants or the only daughter.
There's just a lot of components there that make it
really hard.

Speaker 5 (11:58):
And we, you know, kind of just get through.

Speaker 6 (12:00):
Childhood and we're like, Okay, it's fine, and then as
adults we realize like, actually, no, like this is probably
not healthy in terms of how I'm approaching this. So
how do I do that work to unwind it? And
how do I find the right advisor who understands it?
Because if the person doesn't understand it, the dynamic is
a lot harder to navigate because they just don't know
where you're coming from.

Speaker 1 (12:21):
Right, Hey, ba fam, we got to take a quick break,
pay some bills, and we'll be right back. All right,
ba fam, We're back.

Speaker 2 (12:31):
Okay.

Speaker 1 (12:31):
So you meet Tiffany y'aller show starting to work together. So,
like tiff in those early stages with Angelie, what were
some of your like how long did it take before
you started to feel comfortable and what helped you get
more comfortable with Anguli?

Speaker 3 (12:43):
Well, I'm really good. I think financial advisor. You know,
they don't just jump into now give me your money,
you know. And so it was really like cause that's
what I was bracing for.

Speaker 4 (12:54):
So I was ready like oh no, no, no, I'm
gonna do all the transfers myself.

Speaker 3 (12:58):
Really, the first I don't know, six months a year
was just collecting stuff.

Speaker 4 (13:03):
So we would meet.

Speaker 3 (13:03):
I don't know we were meeting quarterly, not monthly certainly,
but I think it was quarterly, and.

Speaker 4 (13:07):
Then in the beginning it's monthly, okay.

Speaker 3 (13:10):
So it was just a lot of okay, I need
this bank statement and stuff that you don't think about
like im like I thought financial advisors. It was a
lot of just your money, how do we make it more?
But it was really like no, no, no, holistically, let
me see your insurance policies.

Speaker 4 (13:24):
I was like, oh, I don't even know what my
insurance policies are.

Speaker 3 (13:27):
And I remember that number of the first thing on
Julie told me, for example, was that I was severely
under insured because I had honestly gotten an insurance policy
when I was like twenty eight and that was it.
And by then I was thirty nine, you know, by
the time we started to work together. And so just
pulling out and finding all of those documents some stuff
you don't even think about. And so that was like,

(13:48):
I want to say, the first six months to a year,
just like and here's this, like Darrell had a pension,
and we had life insurance and we had this, and
we had so pulling all of that out and then
kind of making sense of like, now here's your holistic
financial picture, you know. So that that's how it started.
And then it was like, okay, so where do you
want to be and when? So that's what was so
great about it. It was just like, oh, well, by fifty,

(14:10):
I'd love to retire, and what does retirement look like
finance like money wise, you know, and so that was
just really helpful.

Speaker 4 (14:16):
We didn't really get into.

Speaker 3 (14:18):
Like like literally investing into the market. I would say
for at least six months to a year because it
just took that much time.

Speaker 4 (14:25):
So that process is.

Speaker 3 (14:27):
What helped me to decompress and trust because we didn't
jump right into give me your money, you know that.

Speaker 4 (14:33):
It was like, let's collect everything I can.

Speaker 3 (14:35):
Know, learn about you and your husband, see where you are,
present it back to you so you can see where
you are. Let's get clear about your goals, and now
let's holistically work towards your goals. So one of the
things that you worry about sometimes with the financial advisor
is that they're going to sell you stuff. So I
remember the first time Antulie said you're under in short,
I'm like.

Speaker 2 (14:52):
Oh, here we go.

Speaker 4 (14:54):
She's about to sell me.

Speaker 3 (14:55):
And she's like, okay, go to your you know, your
your insurance company asked that was wait, I gotta go
to them. She's like, well, you can see me on
the email. I was like, Oh, she's not gonna tell
me anything. It's just you know, increase your insurance with
your insurance company, and I can have the conversation if
you want me to. And so that's when I was
like okay, So those instances built trust, so by the
time it was time to invest, I felt really comfortable.

(15:16):
I'm like, remember I said I was gonna make all
the transfers and all that. Yeah, I'm not gonna do that,
So here's my money, okay bye? And so yeah, it
just because also too along the way, you know, like
Angelie was explaining things, not just to me, but to Draw.
I can tell in the beginning Draw, especially with his background,
he didn't he felt uncomfortable, but I'd be like, no,
ask the question. And she was really good at like explaining,

(15:38):
like because I'm like I don't know what she's saying either,
you know, like I'm like, okay, explain to me, like
I'm six.

Speaker 2 (15:43):
Oh okay.

Speaker 3 (15:44):
So after a while I loved that because he could
have his own questions to ask and we got really
clear about like like, for example, the future he wanted
for Alyssa and what did that look like? And I
would love that because he was like we got to
ask Angeliae. I'm like, oh, you have financial because even
in listen now so cute, Ala didn't even tell you,
but she text me like, so that money the other
money that I have with Angelie, when do I get

(16:05):
access I was like, girl, get off my phone and
well after college.

Speaker 1 (16:10):
So Alyssa works with Angelina, that's so great and so
the aam he doesn't remember Alissa is Tiffany's bonus down.

Speaker 4 (16:16):
She's eighteen going on forty five.

Speaker 3 (16:18):
And I already know why she's asking because the next
sentence was for my birthday, I want to do a
party bus.

Speaker 4 (16:23):
Can you imagine she wants to use her inheritance.

Speaker 3 (16:30):
I was like, Lisa, now that money you work and
you get allowede from your uncle and like that you
gotta like I just thought that was hilarious. So she
was asking about her inheritance because her birthday's coming up now,
party bus time.

Speaker 4 (16:43):
So anyway, yeah, wait.

Speaker 1 (16:45):
So Angelie, when you're working with a client like Tiffany
who initially is not like you're not actively investing her assets,
are you charging a flat rate for that those first
six months? And then does that convert to like a
percentage of assets under managed meant down the line?

Speaker 2 (17:01):
How does that work?

Speaker 5 (17:02):
Yeah?

Speaker 6 (17:02):
So, because like my with the work that my team
and I do is holistic planning. Like the planning is
such a big component, right, Investment management is just one
piece of the puzzle. So we charge a flat retainer
based on complexity, and it covers the first million of
assets that I directly manage, and then I just the
feet annually if the assets exceed a million, and then

(17:25):
it kind of just gets tacked onto that retainer fee.
So for me, it's not really you know, I want
to invest client money because I want their money to
start working with them for our process.

Speaker 5 (17:35):
Right, Like, we don't even like talk about.

Speaker 6 (17:37):
Investments till like kind of the tail end of the onboarding,
Like we do really heavy goals discussion because I don't
even want to give recommendations until I really understand what's
important to my clients, right, Because the example I always
give is, like I'm Indian. Indian people pay for their
kids college. They will sacrifice other goals, but they always
want to pay for kids college.

Speaker 5 (17:58):
So if I know that I'm not.

Speaker 6 (17:59):
Going to set up a plan in which they're underfunded
on college funding, they may have to work longer or
do other things, but they are well aware of that.

Speaker 5 (18:08):
So that's why for me, the trust building.

Speaker 6 (18:11):
Is the most important piece of it because you know,
majority of.

Speaker 5 (18:15):
My clients have been with me long term.

Speaker 6 (18:17):
Right, We have pretty low turnover because I'm trying to
build like a very long lasting relationship. So whether we
invest like three months in, six months and twelve months
in on the grand scheme of things, it's not really
a big deal as long as I feel like we're
making progress on the plan and the clients feel like
they trust me and can come to me right. And
Tiffan and Gerel when we start working together, I was like,

(18:39):
you come with to me with every question you have.
There are no dumb questions. I also want to know
like aspirations, like if you're like I'm thinking about XYZ,
we want to know, right, because the more we get
that detailed information. I'm a details person. I'm a tax accountant.
That was my first career. The better plan my team
and I can do, it's really like for me, it

(19:02):
was really like, let's build that trust. And I knew
Tiffany would come around, Like I already knew that from
our first call. I was like, that's fine, we'll go,
we'll go your place for now and then and then
she'll be like, here you go. And I was like,
isn't it better.

Speaker 1 (19:15):
I'm not curious Tiffany because you said you didn't really
trust yourself, because you had that you had foreclosure, and
like you had that, you know you've talked about and
in your book too, you talk about the credit card
scam like early in your twenties, but you.

Speaker 2 (19:26):
Didn't trust yourself.

Speaker 1 (19:27):
But you also in a way didn't trust Was it
that you didn't trust Angelie or that you like what
was it that was making you want to hold on
to control of everything?

Speaker 3 (19:36):
Well, just in general, like this is bigger than finance.
I was actually talking to friend about that today. That
to me, control equal safety and so like in every
area of my life, you know, like you know, remember
you came over to my house.

Speaker 4 (19:48):
You're like, girl, mess this place up a little bit.
I'm like, no, it's neat. I'm always tore ready.

Speaker 6 (19:52):
That's also like a child of immigrant things as well,
the need for contry, yes, because so much is out
of our controls, so we have to control every aspect
we can.

Speaker 3 (20:01):
And so it's why, like I mean, if I look
across the board, so it wasn't just the financial thing,
it was just it manifested itself here, but it manifested
itself across the board in so many areas of my
life where I'm learning to relinquish some of that control.
But it's easier I can relinquish control if I can
establish trust with someone. I'm like, oh, okay, I trust Mandy,

(20:22):
she's going to do it, so I can say you
got it, Branda mission Okay, Oh I trust Angelie. I'm like, Okay,
So I don't feel I'm not scared in that space
anymore because there's a safety that we've created here. But
if I don't feel safe, oh, then I'm stepping in.

Speaker 4 (20:36):
I'm doing everything.

Speaker 3 (20:37):
And so that's really what it was. That it was
just like I worked so hard to get to this
place and to dig myself out that I didn't want
to relinquish control and therefore wipe all of that out again.
And so I was terrified. I much rather have a
million dollars sitting in savings than like to like and
trust someone who would you know, like, you know, take

(20:58):
advantage of like of my us, or leave me or
lead me astray. And so once I realized that, okay,
that was not Angulie. And I think because I knew
she was a child of immigrants, there are certain things
she understood that didn't have to say. So if I
was like, oh, this is how much money I said
to my parents every month. It wasn't like but why
what do you say that. It's like, well, yes, we know,
this is what we do. We're someplace else I'd have

(21:18):
to explain, you know, like well, you know, as a
child of immigrants, we take care of our family and
did it.

Speaker 4 (21:23):
And I don't have to explain those things, you know.

Speaker 3 (21:26):
And so yeah, so that that was very helpful that
there was a and also to a Julie being a
woman of color. It's just there's certain things I could
just relax into and know that like, okay, there is
a sense of like, okay, we have enough commonality that
I don't have to explain, so the new things I
could just focus on that.

Speaker 1 (21:42):
So what sorts of strategies on Julie are you using
with a client like Tiffany, Like, what are some I
know you had to build up to it, but y'all
work together for six years, Tiffany's business has been booming
and booming.

Speaker 4 (21:56):
Girls has been tight.

Speaker 1 (21:57):
Okay, it's been business has been businessing because we have
our Okay, we're still in business. I mean you've been
through so much, Tiffany. Obviously, Jerell's untimely passing a few
years ago, and you know, you've been making lots of
you were making lots of changes with you know, your

(22:18):
business structure. Over the last couple of years you've gone
through You've kept your property, you've had with Jerell, You've
purchased your rich your rich Anti layer, your rich antipad,
which is stunning. You've wanted to purchase additional properties, and
like it's come up in our conversations when you've been

(22:38):
working with Angelie that you're starting to learn some I
don't know if cheat codes is the right way, right
way to frame it, but like some loopholes some some
some like yeah, cheat codes, some little side doors, back entrances.
Here's some secret knowledge that it feels like the rest
of us don't know that has enabled you to you know,

(23:00):
grow your wealth, leverage your wealth and new ways. And
so can we kind of break some of those strategies down,
Ajulie or Tiffany to kind of loop us in on
where you're where you're at now, as comfortable as you
as as transparently as you want to to.

Speaker 5 (23:17):
Yes, what do you right?

Speaker 1 (23:19):
You say?

Speaker 3 (23:19):
No, they know obviously have all my business so you
can hear how like so I was there's these two
properties I wanted to They just kind of came on
the market, and so one of them was like such
a great deal. In particular, it's two bedroom to bath,
and I thought, Okay, Melissa is in her freshman year,
maybe by her junior year, this could be like her apartment,
so she has separate money that she can use to

(23:40):
buy property for herself when she graduates. So this is
more so I could keep an eye on her, and
like you know, and and and the lift. The cost
to me is nominal, So it's too bad to bath.
It's a newer close to where I live. And it
was one fifty. So the guy who sold it to me,
it was just kind of one of these legacy sales.
His mom is in her nineties. She owned all these properties.

(24:01):
He's kind of off boarding and wanted to sell it
to somebody who would honor, you know, like that. He
loved the fact that I was going to have family
move in, you know, so he so we were just
negotiating last year. He wonted two fifty four, and he said,
if I decided to sell, I'll let you know. We
were just talking casually, head, why should come back upstairs
and see it. He's like I told my family members,
I'd tell him to once for one seventy five. I said, well,

(24:23):
what about one fifty? This is me Casually he said okay.
I was like wait what okay, And so a few
weeks later I had purchased it, and then there was
a second property that came up.

Speaker 1 (24:35):
So when you're purchasing this, this is something you have to
like go check with Angelie about Well.

Speaker 4 (24:39):
I told him okay, but I had not talked to Angela. Yeah.
I was like okay.

Speaker 1 (24:43):
So it probably came up almost.

Speaker 4 (24:47):
The same day.

Speaker 3 (24:47):
And this property is similar to mine, beautiful in the
same building New.

Speaker 4 (24:52):
York City Views.

Speaker 3 (24:53):
It's like seventy five percent of mine as far as
size wise, and that property probably is worth five twenty
fir or whatever.

Speaker 4 (25:01):
But I got it for four.

Speaker 3 (25:02):
Sixty two because there was a couple who she inherited
from her father who passed away some years ago. And
same thing. They didn't this is all off market. It
wasn't on you know, realtor dot com. They wanted to
sell it to someone who was going to honor and
like love this property like they did, so they sold
it to me. So when I got those two numbers,
you know, Like, certainly what I love about Angelie is

(25:23):
that I can share with her. Hey, here's the properties.
Do you think these are fair prices? So those are
questions that you can ask. But then two we talked
through based upon like Angeline knows what my goals are,
what is the best way to buy this, Like do
I pay cash? Do I get mortgages?

Speaker 4 (25:40):
You know?

Speaker 3 (25:40):
And so you know, so angel You're free to share,
you know, I'll give you the permission, Like I've like,
what was your thought process in like advising me about
what you thought it was the best way to purchase
this property?

Speaker 6 (25:48):
These yes, So, because Tiffany has had, you know, some
major financial things happened to her, there is some fear
around debt. Right, So for a really long time, Tiffany
was like, no, dead, I will pay cash for everything.

Speaker 5 (26:01):
I was like, okay, let's do that for a while.

Speaker 6 (26:05):
Then you know, there comes a point where we always
talk about good deb bat dead.

Speaker 4 (26:09):
Right.

Speaker 6 (26:10):
So I'm like, the death that Tiffany will take on
is not going to bankrupt her. Right, There's enough there,
There's enough of a safety net, there's enough of a cushion.
So when we started talking about these properties right. I
was like, well, why don't we consider a pledged asset line?
And Tiffany's like, ooh, what's that right, and so she
did her own research on that. So with the pledged
asset line, what happens is is that instead of when

(26:31):
you get a mortgage, your collateral is the home, right,
so the bank gives you the mortgage, if you can't pay,
they will take your home. With the pledged asset line,
the collateral is actually your brokerage account. So if your
brokerage account is at certain levels, the custodian or the
bank will give you an asset line similar to a heelock,
at a very competitive interest rate.

Speaker 5 (26:53):
So we started talking to Tiffany about it. I was like,
this is going to be the rate.

Speaker 6 (26:57):
I'm like, I sugest we explore this option because if
we were going to pull money out of your portfolio,
your portfolio through June of this year's up like twelve
to fifteen percent, you're going to pay five and a
half percent on the pledged asset line.

Speaker 5 (27:11):
So for just looking at it from a peer.

Speaker 6 (27:13):
Numbers perspective, you can be your own bank instead of
using a bank, which a lot of people we have
issues and concerns with banks and their fees and everything
else that goes with it. And I was like, and
then we let your assets grow, so this is going
to build more wealth for you over the short term
and long term. And then I explained to her. I
was like, this is what billionaires do, and she's like,

(27:34):
what do you mean. I was like, billionaires, like anyone
who's a billionaire who has huge stock concentration portfolios, this
is what they do. They get a pledge asset line,
They pay all of their expenses through the pledge asset line,
they take enough of a salary from their business to
pay the interest, and they just let that line keep going.
And then when they pass away and their air is inherited,

(27:57):
they get a step up in basis they can sell assets,
they pay no tax on it, and they pay off
that pledged asset line. And that's how generational wealth gets built.

Speaker 5 (28:05):
Right.

Speaker 6 (28:06):
So it's starting to like for Tiffany, right, because Tiffany
has come from, you know, like middle class, humble background,
She's made financial mistakes. This is a totally different world
to navigate. So it's not like I pushed her to
say this is what you should do, but to just
let Tiffany be aware of, like, here's other options available

(28:27):
to you now that you're in this level of wealth
and this stage in your life. So let's explore it
and see where you feel comfortable with it.

Speaker 5 (28:35):
Right.

Speaker 6 (28:35):
So those are the things that we started working through,
you know, and then also figuring out like from a
tax perspective, from a legal perspective, from an estate planning perspective,
because when someone comes to me and they're like on
a purchase a property, it's not we are looking at
is this a good investment, We're also looking at how
it's going to fit into your overall financial picture. Right,
So those are the components that like Tiffany and I

(28:57):
worked through when she was deciding on interesting these two
which you know, I think you still have to send
me the documentation.

Speaker 3 (29:07):
So yes, I just close on the other one, like
I don't know, like a week ago or whatever, so
I have to send like, hey, I bought it because
also too, so really good. You have to think about
your your financial planner. They're like the the.

Speaker 4 (29:19):
They're like your your general what is it? What does
the doctor called?

Speaker 3 (29:23):
Like, You're not your general practitioner, your primary care right,
so they will then send you to other places, right, So,
but everyone has to talk to your primary care, you
know doctor. So Angeli knows Tony my attorney. So Tony
did my trust, so she might be like, did you
transfer this to your trust yet? You know, But Angeli
also talks to Georgie. Georgie is like our CFO financial

(29:45):
manager for our company. And so even when Georgia's making
decisions for the company, sometimes, you know, Angeli, she also
chimes in there and says, well, you know what and
what I don't know, like what retirement plans do you
guys have, what benefits? And so you guys choose Unduli
helped to us to choose those plans based upon I
know what Tiffany is needing and so does that make

(30:06):
sense for the company? And so in all areas, like
you know, she gets all areas financially, she gets involved
because we also have an accountant. By accountant does our
business accounting but also my personal So Angeli is just
actually reviewing like our accounting, like you know, our tax
return now, to make sure that everything is aligned. But
she's looking at it from a perspective of like Tiffany

(30:28):
is the bottom line and does it all flow up
to what makes sense there. So the pledge ACCID line
was so great about it is that literally I get
to borrow against myself without having to disturb like the
money that I have invested, so I don't have to
trigger a tax response, you know, I don't lose out
on money growing, and I could just pay the interest

(30:49):
back if I want to, which I'm currently doing right now.

Speaker 4 (30:51):
I've chosen to do that.

Speaker 3 (30:53):
And it's so crazy because my interest rate is lower
than what a mortgage is.

Speaker 1 (30:58):
I's not to say five point five, what are it's
like seven percent these days it's yeah.

Speaker 5 (31:03):
Yeah, six six point two.

Speaker 3 (31:04):
And the more money that I had, like I could
have gotten lower if I had even more money in
my brokerage account. So the more money you have in
your brokege account, the lower that industry would have been.

Speaker 4 (31:12):
And so it's just really crazy.

Speaker 1 (31:14):
Yeah, with a pledged asset line on Julie, how much
do you need to have in your brokerage account to
qualify gender is? It?

Speaker 2 (31:20):
Does it vary by thank.

Speaker 6 (31:21):
They all, I mean, they'll give you you know, whatever amount,
but there's usually you want at least like half a
million where the interest rate makes sense because if it's
too small. The interest rate can be like close to
nine percent and then it's not really worth doing. A
million is like a nice sweet spot, and then anything
above that there's usually breakpoints that are provided. We use Schwab,

(31:43):
but Schwab has their break points, like here's where you
get and they're variable, right, there's still a variable interest rate,
but they.

Speaker 5 (31:49):
Are okay, yeah, but we're.

Speaker 6 (31:53):
Yeah, Well, it's like it's a kind of a line
of credit. So usually all lines of credit have that
variable interest rate, which is fine, right, It's like we
understand the risks and the main thing is like whatever
line you receive, you don't want to pull all of
it because if you if the market dips and your
portfolio dips, you may have a call in which you

(32:14):
have to fund that different So for clients we set
it up, they give you the max available, but we
never want clients to draw all of it, right, So
that's where it also helps. Like the more there's and assets,
the larger the line, you have more flexibility in terms
of how much you can pull and still feel safe
and comfortable that the market or the portfolio is not
going to dip to a point in which you need

(32:35):
to do a big cash influx.

Speaker 1 (32:38):
Heyba fam, we going to take a quick break, pay
some bills, and we'll be right back.

Speaker 2 (32:44):
It makes me a little nervous.

Speaker 1 (32:45):
Because like it's like you have this access to this
line of credit, right, and that's why you said it's
kind of like a helock. So for like a regular homeowner,
like I have a bunch of equity in my home,
I'm getting the letters in the mail like helocks and
cash out refise and I'm like, no, I don't trust
myself with that right now, honestly. But so you have
access to a line of credit, you don't have to

(33:06):
use it all. So then Tiffany, like, is it ever
tempting for you? What's the is there? Now?

Speaker 4 (33:12):
I'm a cheap bro you know.

Speaker 6 (33:13):
A che brow. I mean that's funny, is like all
my class I have a lot of clients who have
it now. They're all like the ones who have it
are all like very responsible, which explains why they have.

Speaker 5 (33:23):
Such large Brokeridge accounts.

Speaker 6 (33:25):
And there's so much still, there's so much like uneasiness
because it's different, right, they're not used to it. It's
not like their friends and family members have been doing this.
So because it's navigating like a kind of a different world.
There is hesitation, right, And it's like I had a
client where the same thing was happening, and I was like,
he's he was thinking about buying the building for his

(33:48):
business and he's like, well, this is what the bank
is giving me. And I was like, do you want
to just be your own bank? And he's your pledged
asset line and he's like, how will that work? And
I did a spreadsheet. I was like, here's how it works.
If you do this versus this is to have much
assets you will still have in ten years. And he's like, oh,
like no brainer, right, But it takes like like kind
of rethinking and reshifting on like how you view your

(34:11):
assets in order to feel comfort, and even then there's
still discomfort there. So for someone like Tiffany, I'm not
worried about her being like yay money, money, money, right,
because she's not going to do that, and I'm there
to provide those guardrails. So if she's like, hey, I'm
thinking about doing pulling this because I just want to
spend it, like we're going to have a conversation around that.

(34:31):
Because it's also like out of character for someone like Tiffany,
So I want to have a better understanding, right, So
when a client emails me and they're like, I'm.

Speaker 5 (34:40):
Thinking about this, Like what do you think?

Speaker 6 (34:42):
Like, we warrants a call because I want to really understand,
like where's Tiffany at, where's her mindset at? Because a
lot of times when Tiffany and I've been working together
for six years and there's been such an evolution and
where she started and where she is now, that there
are shifts that happen right in terms of we are
personally in our career and in our life.

Speaker 5 (35:04):
So I want to I want to.

Speaker 6 (35:05):
Make sure I always have a gauge on that because
you know, for a while, Tiffany's like, I want to
step back.

Speaker 5 (35:10):
I want to focus on myself.

Speaker 6 (35:11):
And I was like, perfect, let's figure out how we're
going to make that work for you, right, And then
Tiffany is like.

Speaker 5 (35:15):
I'm good, I'm gonna be back in it.

Speaker 6 (35:17):
I was like, okay, perfect, let's figure out how you
come back to it but still keep that work life balance.
That's really important. That it was like what you really
wanted from the start of us working together.

Speaker 5 (35:26):
So it's you know, the advisor.

Speaker 6 (35:28):
Is checking in on all the money aspects, but I
also am checking in where my clients are, like emotionally,
because if things have shifted emotionally, then we need to
revisit the plan and how we're thinking about things, because
I don't want to keep everything status quo if things
have evolved and changed. So that's where like the ongoing
communication is also really important to make sure that like

(35:51):
we're all on the same page. So I continue to
give like advice that's helpful for Tiffany and whoever I'm
working with.

Speaker 1 (35:57):
So are you allowed to draw on that line of
credit without Angelie's check of approval stamp of approval?

Speaker 4 (36:04):
I guess I don't even know. I wouldn't even know
is it would not?

Speaker 2 (36:06):
What do they give you a debit card? Credit card?
How do you do it?

Speaker 4 (36:09):
I don't even know.

Speaker 6 (36:10):
You can get a checkbook if you want, but usually
our clients are just like, hey, I'm thinking about this,
and we just initiate the requests for them.

Speaker 5 (36:17):
But you can get a check book, and you.

Speaker 1 (36:19):
Have like an access to the Schwab account. You can
get in there and move funds around.

Speaker 5 (36:24):
He can do that.

Speaker 1 (36:24):
Oh, you can do it, Tiffany.

Speaker 4 (36:25):
Okay, But yeah, I don't. I don't.

Speaker 3 (36:27):
To me, this was a like I see it as
a if there was something I wanted to invest in,
because to me, that money is there to make me money.

Speaker 4 (36:35):
So even though like.

Speaker 3 (36:37):
The second property that I purchased, I'm probably going to
have my sisters move in and it doesn't maybe like
I don't, I won't get like rant in a traditional
sense still cover the carrying costs, like my other sister
doesn't house, so it doesn't cost me anything, but that
the value of the property will have raised. Like the
place I live in now, I bought it for five twenty.
I'll remember I put maybe like one hundred and twenty

(36:59):
thousand dollars in two but now it's been evaluated at
eight twenty, so like you know, like a significant like
I don't know, almost two thousand dollars.

Speaker 1 (37:08):
I got to it warm without my children.

Speaker 3 (37:11):
But then the other place I bought for one fifty,
it was already there's already equity built in just from
the purchase.

Speaker 2 (37:15):
Gotch.

Speaker 3 (37:16):
So I just say all that to say that, like
the space that I make my financial choices from, at
least these two properties are not just It's not just
for I'm not flipping these properties. So they're heart choices
with smart financial backing, you know. And so that's what
Andelie helps to like, Oh I think I'm going to
do this. It's like okay, Like that's what I love.
She'll ask anything.

Speaker 4 (37:35):
New and I'm like, oh no, no, no with you.

Speaker 1 (37:38):
So that way often are you guys chatting to you
like a regular standing monthly?

Speaker 6 (37:42):
I think I have four times a year scheduled with tip. Okay,
but they'll be like, you know, her and I are
talking later today because I'm like, hey, I have another
investment thing that we should talk to her, and there's
some tax planning we should do, so let's just do
it now, right, So it's there, we have scheduled that
I want to make sure we meet at this frequency,

(38:02):
but there's always going to be other things that come
up that we'll talk, right. I don't have like a
cap on how often I meet with clients, and sometimes
it's not that much. Sometimes it's a lot if they're
going through a life change, right, So it just kind
of dependents.

Speaker 5 (38:14):
So we try to keep it flexible.

Speaker 1 (38:16):
So how else could you use a pledged asset line
on Julie and the in Tiffany's case, you're using it
for these additional properties. But is that a typical use.

Speaker 5 (38:25):
Yeah, that can be a typical use.

Speaker 1 (38:26):
Or is it like Elon Musk who's going to buy Twitter,
probably using.

Speaker 5 (38:29):
Right, It could be that.

Speaker 6 (38:32):
It could be you're your own bank, so like Tiffany
is doing, you can do that on the business side.
And that one is interesting because instead of the bank,
you're you're the bank.

Speaker 5 (38:43):
For your business.

Speaker 6 (38:44):
Your business is paying you, you know, whatever interest rate
you want to charge for that loan. So there's like
interesting ways you can structure things for a tax benefit.
That was another thing with the property was.

Speaker 1 (38:55):
My mind just when you were just saying.

Speaker 6 (38:58):
That, yeah, yeah, and you could you know, you if
your your rate is like five and a half, but
the business you're charging them six seven, that's still competitive
compared to a bank. You're not paying all those fees, right,
and just little things like the property.

Speaker 7 (39:14):
You know, you keep the money all in your area,
that realm, realm because then your business is paying you
the fees crapped and that's just fine.

Speaker 4 (39:28):
It's so crazy.

Speaker 1 (39:29):
It's not crazy.

Speaker 2 (39:30):
It's great. I'm like, oh, yeah, screw the banks.

Speaker 1 (39:33):
I didn't have more.

Speaker 5 (39:34):
Money so frustrating and you don't go through underririsk.

Speaker 1 (39:37):
Though, what's the risk if you're Yeah, the risk.

Speaker 5 (39:40):
Is if you pulled too much on your portfolio.

Speaker 6 (39:42):
Like let's take elon Musk right when the price of
Twitter collapsed, right, and then the price of Tesla collapsed,
and then he overpaid for Twitter. There wasn't everyone kept
saying like they wanted the price of Tesla to crash
enough so he had to make a call, meaning he
had to put in an influx of money or all
his positions in order to make the line to the

(40:03):
value in which the bank was okay with. So that's
the risk is like you don't want to pull so
much where a decrease in value is going to impact that.
Tiffany is invested in a diversified portfolio, so her portfolio
is not going to swing the way like Tesla stock
would swing, right, So there's a little bit of there's
a little bit of safety there, and that's what I'm

(40:26):
there for to be like, hey, you're getting pretty close
to the line. Let's like revisit this or let's consider
other methods. Right, So that's the main risk is really
just like keeping a prize of the value and making
sure you're not overpulling. But outside of that, right Like,
there's the same level of risk with a bank, there's
less flexibility with a bank. Right Like, there's just so

(40:49):
many benefits of of you being your bank, you being
your asset manager, you being your real estate investor, right Like,
you keep everything kind of in how you just have
more control and overall you spend less money because you're
just not tied up in fees at banks charge or
this or that. Right Like, Tiffany can buy these properties.

(41:09):
She doesn't have to pay realtor's commissions. She's just doing
these internal deals on her own. Like people don't think
about all those hidden internal costs, but they add up
over a lifetime. So these are just ways in which
you can reduce those costs and just have more portfolio
assets and weld at.

Speaker 1 (41:28):
The end of the day. So for bea fan who's listening,
and I know we have a lot of listeners because
we are they've been listening for ten years now and
we've been stacking our coins and investing. And you're curious
about this concept pledge asset line and whether or not
you have a financial advisor already. What would you say
to do next as a listener, to learn more, to

(41:50):
educate yourself to actually like see if this could be
an option for you.

Speaker 6 (41:53):
Yeah, so I would say, wherever your brokerage account is at,
whether it's at Shuah, Fidelity, Vanguard, call them up and say, hey,
I'm interested in a pledge asset.

Speaker 5 (42:02):
W do you offer that?

Speaker 4 (42:03):
Right?

Speaker 6 (42:04):
And so then they'll go into the details. You can
ask them what the interest rate will be. The nice
part is those lines can be opened in a few days,
So that's the other benefit. Like for Tiffany, she needed
to close really quickly. I was like, cool, we can
get this open in like less than a week, so
she's not bound to like a thirty forty five day
closing escro that would be required if we were going
to go traditional financing.

Speaker 5 (42:25):
So that's always a great first step.

Speaker 1 (42:27):
Yeah, and no credit check necessary, No, isn't that crazy?
All the advice we give is like, make sure you
don't take on any new debt six months before you
buy a home.

Speaker 6 (42:36):
Yeah, I make sure the debt is you know, you
have to have a stable financial framework, right, So if
your framework is stable and you've done and you've checked
all the boxes on that, then debt is just another tool,
yeah in your financial picture, right, Debt provides leverage. There's
a lot of benefits in debt, but you have to

(42:56):
get the foundation set first. Once the foundation is set,
then use that to your advantage.

Speaker 1 (43:01):
What is that foundation? How would you define that?

Speaker 6 (43:04):
So that would be you know, are you well insured,
are you saving in all of your buckets? Are you
boxing out retirement, doing your backdoor rods? Are you building
your brokerage account? So before even Tiffany was exploring investment properties,
I was like, we need to build your core portfolio, right,
that's your brokerage account and your retirement accounts.

Speaker 5 (43:23):
We need to build that first. That is the piece
that's always going to be liquid for you.

Speaker 6 (43:28):
So even if you take if you want financial independence
at fifty, we need liquid buckets of money for you
to get access to things like alternative investments, real estate.
Those are ill liquid. So those are great components to
a portfolio, but we can't really explore those until your
core portfolio is set. So once Tiffany established the core

(43:48):
portfolio right and well ensured we got the estate planning
documents that we kind of did all of the foundations
of financial planning. Then She's like, now what do I do?
And I was like, the nice part is you could
do whatever you want. At this point, I don't care
because you're doing all the things you need to do
so we can be creative now, right, So I'm like,
do you want to buy real estate? Do you want

(44:09):
to invest in startups? Right that you just have so
many more opportunities, and then it becomes fun because now
you get to invest in things that you're passionate about,
that you are really interested in. Tiffany gets to buy
these properties that her sisters get to live in and
they have a nice place, they're close to her. So
you just have you just have the ability.

Speaker 5 (44:27):
To do a lot more.

Speaker 6 (44:30):
But it came with hard work on Tiffany's and on
making sure she did all the necessary steps to be
able to allow her to have that creativity and flexibility.

Speaker 1 (44:40):
Now years and years how many years?

Speaker 3 (44:42):
And I'll say this that like one of them, and
I know you have to like hot Mandy, but one
of the if you're thinking about financial advisor, but if
you're married with kids, I mean, I think it's really
essential because when honestly, when Jirelle passed away, I don't
know what I would.

Speaker 4 (44:55):
Have done with Ali.

Speaker 3 (44:56):
She like created like a coalition of like all the
all of the people I look at my life, my
financial team is like all women.

Speaker 4 (45:03):
You know. It was her, it was Tony.

Speaker 3 (45:05):
It was George, it was our accountant at the time,
and it was just like she would spoon feed me,
this is what you need to do next. Like I
remember you were like Alyssa's mom is going to be
able to get Social Security for her. And the thing
about social Security is that there is no back seats,
there's no retro pay that if you don't apply now,

(45:26):
you don't get if you wait six months because you're grieving,
you're not going to get that six months back. And
it was like, here's the phone number, here's who to call,
here's what needs to be done. And so I passed
it on to Melissa's mom and she was able to
do that and you know, be able to financially provide
for her with Drell not being here, and it was like, okay, next, Tiffany.
But it was just spoon fed in a way because
Angelie had all of our financial paperwork. It was just like,

(45:48):
Direll has a pension, this is what's coming to you.
You know, there's a life insurance policy. This is what's
I wouldn't have. I just want It would have been too
much for me to navigate during that time, but also
too it was confusing to me. But she had all
of that, and so it made it easier for me
to like, Okay, well like let me make that call
and see where that check is or let me let
me you know, I know something is coming in for

(46:10):
so having someone that knows like all of your financial
kind of like goings on, it made that I got
to just miss Jorell in that time and not have
to figure out, well, what do I need to do
for this and when you know, because you had someone
who was doing that for you. So that alone was
like worth its weight in gold. I don't know that
I could have navigated that time. I have friends who
lost their husband and lost their house, you know, and

(46:33):
so like no, I really, I mean, I'm so grateful
because I really got to just miss him because I
didn't have to navigate all those things by myself. Like
Tony came to my house, was like, let's sit down,
let's now you know, like whatever you need, we're going
to navigate this. She would come regularly like house visits
from your attorney, you know. And so I don't know
what I would have done if I didn't have that
team in place prior, because they were I'm sure they

(46:55):
were talking when I wasn't even there to be like
what else needs to be done?

Speaker 4 (46:57):
So I'm just really grateful for that.

Speaker 1 (47:00):
Oh it's nice to give Angelie and your team their flowers. Yes,
of course, not be getting emotional, I know.

Speaker 4 (47:07):
I'm not gonna lie.

Speaker 6 (47:09):
I'm well, I trust is so important in the relationship, right,
Like I think I was the first or I think
I was the second call when it happened, right, So
I'm like, and I tell clients, I was like, we're
the first to hear about cancer diagnosis, We're the first
to hear about deaths and deaths in the family, whatever
the case may be.

Speaker 5 (47:26):
You have to trust, yes, trust comfort.

Speaker 6 (47:29):
That's the most important piece of the relationship, because if
you don't have someone you feel comfortable sharing that information with,
it's you know, it's not good for you or them
in terms of financial success.

Speaker 3 (47:40):
So there are things that maybe I forgot and she'd like, no, no, no,
Remember Jirelle said this during our call, And I'm like, okay,
you know, because you's sometimes I was trying to navigate, like, well,
what's the best fort list?

Speaker 4 (47:49):
Say what was his desires?

Speaker 3 (47:50):
And and in the grief you can't remember everything. But
Angelie was like this recorder to say, no, he was
very clear about this is what he wanted for her.
So we're able to put these things in place for her.
And so yeah, it's just so yeah, it's it's not
just money, you know, like it's life, and money is
just nearly one of the tools. But having a really
good financial advisor can help you to maintain and make

(48:12):
sure that the things that you desire and want for
your life you can have those. It's not easy, certainly,
but yeah, I mean I tell anybody like, because I
see a lot of people.

Speaker 4 (48:19):
Say you can do it yourself. You can, but it's
like you have so much other things to do.

Speaker 6 (48:24):
Love you.

Speaker 4 (48:24):
I okay, my bad.

Speaker 1 (48:26):
Anyway you were looking down.

Speaker 2 (48:28):
I'm like, look at me. I wish I had more time.

Speaker 4 (48:33):
No, this is great.

Speaker 1 (48:34):
I have you back again. I don't even know if
I gave you a proper intropator Angli Jariwala. You can
find her at fitadvisors dot com. Check her out. Although
I'm sure you were booked and busy, but if you'd
like to be to check more about Angulie and y'all
know where to find Tiffany. Come on now all over

(48:55):
the internet streets. Thank y'all so much for joining. This
has been so much fun. We'll have you back again
soon and we'll leave it there. Thank y'all. Thanks ba Fam,
You're welcome. Thank you, okay va fam, thank you so
much for listening to this week's show. I want to
shout out to our production team, Courtney, our editor, Carla,
our fearless leader for idea to launch productions. I want

(49:18):
to shout out my assistant Lauda Escalante and Cameron McNair
for helping me put the show together. It is not
a one person project, as much as I have tried
to make it so these past ten years. I need help, y'all,
and thank goodness I've been able to put this team
around me to support me on this journey. And to
y'all bea fam. I love you so so so so much.

(49:42):
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