August 2, 2024 • 57 mins
Are you stuck on how to handle your finances? Scared to make an investment with them? Not sure what to do with your money? This episode with Alissa Todd will answer all of your questions and provide you some quick, easy guidance to help you with your journey with finances. It doesn't have to be scary. It doesn't have to be complicated. So let's break it down, one step at a time.
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Episode Transcript
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(00:00):
(Transcribed by TurboScribe.ai. Go Unlimited to remove this message.) What challenges do you see women facing when
it comes to finances?
Yeah, there's definitely some unique challenges that women
are up against, you know, that maybe our
male counterparts are not.
And that's a combination, I think, of these
societal norms and expectations.
So many women take career breaks to raise
(00:21):
kids.
There is a really big conversation around, you
know, taking time off for your career to
raise kids.
And then comparing that also to the cost
of what if you keep working at your
career, but then hire, you know, a nanny,
daycare, and depending on where you live, that's
a really high cost.
So yeah, so it's really figuring out that
balance, then who is going to, you know,
(00:42):
sacrifice their career to raise your kids.
And a lot of times that falls on
the woman.
We have like a sandwich generation where people
are raising their kids, but also taking care
of their aging parents.
So a lot of times it's the the
woman again, that is taking on those responsibilities.
And when you take career breaks, not only
are you, you know, of course, foregoing that
(01:03):
income, but you're also not contributing to your
retirement account.
You know, you don't have a 401k or
four, three B 457 through your employer, you're
probably not contributing to a Roth IRA.
Hello, and welcome back to our podcast queens
with big dreams.
My name is Devaney Wells Gibson.
By day I am a divorce attorney, also
(01:26):
known as the prenup queen in San Diego,
California.
And by night or by hobby, I run
this podcast queens with big dreams where I
have the absolute pleasure of speaking with so
many different individuals when it comes to building
our lives, crafting our lives and truly going
after the goals and the dreams that we
(01:47):
set for ourselves.
I am a big proponent of if your
heart desires it, it's meant for you.
And we just need to go out there
and get it.
So this is a very safe space for
women who truly want more and who truly
desire more.
And this is a place where you can
very openly and unapologetically go after it.
(02:12):
So I speak to people who can help
set us up to do that, who can
make the journey of going after our dreams
and really laying into our ambitions and really
just being honest with ourselves.
And wanting more, I speak to people who
will help us achieve more, who will tell
us it's okay to want more, and who
will help prepare us on that journey to
(02:34):
getting more.
So that way we can better and more
informed decisions in literally everything that we do.
This podcast is, or this episode is episode
two with Elisa Todd, who is a financial
advisor.
And I first want to caveat and give
my apologies to Elisa, because you'll notice during
(02:58):
the podcast, I kept calling her a financial
planner.
And that is not what she is.
She's a financial advisor.
That means she is licensed to give advice
and guidance when it comes to investments in
your financials.
And so I want to distinguish that because
that takes a whole lot of effort, time,
(03:19):
and commitment, along with taking the required tests
and getting the required knowledge to become an
advisor.
So Elisa, I apologize for calling you a
financial planner, and I want everyone to know
that she is a financial advisor.
She is also known as a personal CFO,
chief financial officer, and therefore a financial advisor,
(03:43):
aka a wealth advisor.
And so what you'll notice through this entire
podcast is Elisa is super passionate when it
comes to providing women the guidance and the
knowledge to one, try to close the wealth
gap, but two, to encourage women to be
upfront and involved in those financial and wealth
(04:04):
discussions.
It wasn't long ago when women started getting
access to lines of credit and the ability
to now have bank accounts.
Matter of fact, it was in the 60s
when the law passed that allowed for women
to have bank accounts.
But you know, society sometimes takes a little
bit to get on board with these new
(04:25):
laws, these new regulations, these new requirements that
provide it for some type of equality in
that sense.
And so it really wasn't until 1974, which
is like our parents' era.
So it really wasn't that long ago when
women actually got the absolute right to be
(04:46):
able to open bank accounts.
So Elisa is very passionate about that.
So we talked about her journey into her
being a financial advisor, her passion for it.
She also drops so much information.
So you'll also see through the podcast that
clearly I was learning as I was going.
And so a lot of the questions that
(05:06):
I'm asking her, because one, I'm also new
to finances.
I'm highly ambitious.
I'm a business owner.
I desire more, but I really don't know
a lot when it comes to those types
of things and those finances and how to
invest and what do I do with this
money.
And is it just sitting there?
Is it working for me?
(05:27):
Is it going to help me be able
to retire?
What is this money doing?
I don't know what to do with it.
Please help me.
And there's Elisa, who is the advisor to
give me that guidance and that knowledge.
And so you'll see her giving me some
tips and tricks as we go through it.
And I hope it's information and knowledge that
(05:47):
you can also use and apply in your
daily lives.
We talked about everything from a normal bank
account to a high yield savings account, to
all the different investment accounts, which still seems
like a lot and goes over my head
sometimes.
But she breaks it down so easily.
And so she breaks it down in a
way that's so digestible to where it's not
(06:10):
overwhelming and you can just take it and
apply it into your daily life.
And so enough of me talking because I
could talk about Elisa for forever.
She is a wealth of knowledge.
And I know y'all are going to
have a great time listening to her throughout
this podcast.
So sit down, grab some tea, grab some
(06:32):
coffee, whatever time of day it is.
And I don't know, maybe eat your dinner
while you're listening to it, whatever the case
may be.
And enjoy this episode of Queens with Big
Dreams with Elisa Todd.
Yeah, it's been a roller coaster of a
ride, actually.
So my family grew up in Europe.
So very, very different, like culturally, everything different
(06:53):
than the US, you know, my parents are,
my dad is from Ireland, my mom is
from Japan.
And then we grew up in the Netherlands.
And so we were very lucky, myself and
my two younger siblings to travel a lot
because we saw a lot of the world,
especially Europe, we went back to Japan a
lot, to my mom's side of the family.
(07:13):
And then along the way, you know, we
moved to the United States in 2008.
It was for my dad's job.
Yeah.
And so we all, you know, moved here.
First time being in America, I was in
California, like, wow, there's like palm trees lining
the streets.
Like, it was so sunny.
I grew up in the rain.
And in the cold, there's like, times where
(07:34):
just the rain was hitting me in the
face so hard.
It was horrible.
And now we live in this like, beautiful
Southern California.
It's a dream come true.
Honestly, it was like such a nice, fresh
start being here.
And we grew, I moved here right before
high school.
So that had its own challenges, you know,
going through high school, brand new with like,
not knowing anyone.
And it was interesting enough, I feel like
(07:55):
my parents and myself, we learned a lot
about finances and just the way money works
in the United States at the same time.
Yeah, when I was going to college, because,
you know, my parents are from countries where
you don't have to have like a 529
savings plan.
You know, there's no investing for college, it's
very much like government funded, mostly.
(08:17):
And so it never crossed their mind that
they need to save for college.
You know, it's just, that's not how they
were raised.
That's, you didn't need that.
And none of us thought we would live
in America at all.
And so I remember going through like, the
college application process and sitting with a college
planner.
We're like, wait, college costs how much?
Like, what?
(08:37):
People save their entire lives to go to
higher education.
It was so, so crazy.
But it was really a lightbulb moment for
me where I first saw, you know, firsthand
that, okay, money buys you opportunity.
It is a way for you to get
a better future for yourself, get an education
for your loved ones or for yourself.
(08:58):
And I was like, wow, like, that was
like, really one of my first, not necessarily
my first money memories, but that's one that
really stands out to me where I saw
the power and the value of having money
and the way it can put you in
different rooms and provide opportunities for you.
And I also thought to myself, you know,
like, I don't ever want to be stressed
out about this and have to feel like
(09:19):
I'm going to limit myself because I don't
have the money to do or go somewhere
that I want.
And that was just a really, really impactful
time in my life that's affected now, like
how I do things in my career and
help people.
And so I went to San Diego State,
go Aztecs.
Oh yeah, repping the red.
(09:42):
And I mean, amazing college experience.
But one of the things that the university
did that truly changed my life is they
introduced this Aztec mentorship program where alumni could
become mentors to students.
And it was a brand new, I was
a junior in college when they first launched
this.
And I had heard about finance space.
I was going in as a finance major.
And, you know, you take all these like
(10:03):
personality or aptitude tests and they're like, oh,
you should like maybe do this, go into
finance.
And I was like, you know what, I
need to talk to someone that is doing
exactly.
And I didn't know any, you know, financial
advisors.
I didn't have access to people like that
in my personal life.
So I searched the database for alumni and
there was someone that was a financial advisor.
(10:23):
And so we paired up for the semester
and he was just such a blessing.
Took me to my first networking.
Like seven in the morning, we went to
a breakfast, BNI.
I saw you post about that on your
Instagram.
That was in college?
It was in college.
He was like, if you want to be
a financial advisor, you have, it's all relationships
(10:43):
based.
It is about networking.
And he was in BNI.
So he was like, I'll see you at
7am in Bonita.
And I was like, what?
As a junior in college.
I know it was crazy.
Okay.
And so he then, you know, showed me
what he was actually doing for clients.
And he loved it.
And it was really, we could almost see
a before and after in someone's financial life.
(11:04):
And just, it really was fulfilling to him
too.
And I really wanted to work at a,
you know, in a profession where I felt
fulfilled.
Like I didn't want to just clock in
and out.
So it was such a good experience being
mentored by an actual financial advisor.
And I did the program again, the second
semester.
And I was paired with another financial advisor
who was a huge Tony Robbins fan.
(11:25):
So he would send me.
Well, I'd never heard of Tony Robbins at
that time.
You know, this is like in college.
So this is also before like there was
all this, I mean, there was Instagram around,
but it wasn't as, you know, we weren't
all using it like the way we are
today.
So I'd never heard of Tony Robbins before.
And so every week he was sending me
Tony Robbins videos and we get on the
(11:45):
phone and we like debrief.
It was like basically doing like personal development
with me without me, like even knowing that
term.
You just talk about manifesting, go walking around
in neighborhoods that you really are inspired by.
He said he did that.
Yeah.
And he was like, now he was moving
into his dream home.
And it was like, you have to put
yourself in rooms where even if you don't
(12:06):
feel like you belong right now, that's where
you want to go.
It was such a good lesson.
And so when I had such a great
experience and I was like, I want to
be like him too.
So I was like, you know what, maybe
financial, being a financial advisor is the route
for me.
And so to one of the hard things
about personal financial services is getting in the
door.
Sometimes that's the hardest part, you know, actually
(12:27):
working at a firm, you need to know
someone, or you can be one of like
many people that just apply online.
So what my mentor had said is you
should call like the hiring managers and say,
you're a student, you want to intern.
Is there any way you can come in
for an interview?
So I started Googling and I'm like, all
these like hiring managers are like middle-aged
white men.
I was like, I've never picked up the
(12:48):
phone to call a stranger in my life.
You don't do that.
And I was like, oh no, I can't
do this.
And he's like, you have to do it.
This is the way to do it.
No one is doing it.
So they'll pick up and they'll be interested.
So what I did instead, because I was
so intimidated is I went through all the
big companies in San Diego and I had
a spreadsheet and listed out all the female
(13:09):
financial advisors.
It was a short list.
So I called them and said, I'm a
student.
I would like to learn from a female
financial advisor about this industry.
And I made a bunch of calls.
I had coffee meetings with some, and that's
how I got an internship at Morgan Stanley
because one of the calls worked out that
way.
And that's finally being in an industry that
(13:30):
I had heard about for a year.
It really was incredible.
And I saw the power of being proactive
with your money, having your investments working for
you, having your money work for you.
And that's really where I fell in love
with this industry.
And it was such a, it was a
good experience.
So when I, when it was time for
me to like graduate college and figuring out
(13:52):
what I actually was going to do, my
first mentor introduced me to my current business
partner today because I had worked at a
previous firm.
So it all came around for full circle.
And then within that same year, my first
mentor left his firm and joined our company.
So we were working in the same office
as my mentor.
It's insane.
(14:12):
It was perfect.
I do actually have a question on this
one because I love the fact that your
mentor was a male, a gentleman, because I
am a big proponent, obviously feminism, the movement,
but I feel like we can't push or
get anywhere without men.
They're the ones who are helping us move
(14:33):
forward with the feminism movement.
And so I love that fact.
And then I love also that when you
were calling around, first you got your spreadsheet,
you found all the female financial planners.
Why did you seek out female financial?
Yeah.
I wanted to see what it was actually
like being a woman in the industry, because
(14:54):
it's very apparent that there aren't very many
women.
And it's like, well, why is that?
Is this a horrible career for women?
Like why, what is going on?
You know?
And then frankly, like I was, how old
are you when you were a junior, like
20 something, like early twenties, right?
I never picked up the phone to call
a stranger.
And I was like, I don't know if
I can talk to like a much older
(15:16):
guy.
I was just very intimidated.
I was like, you know what?
I feel there's just that relatability talking to
a woman.
And I was like, if I'm going into
this industry, I want to be, I'd already
had really great experiences with two male financial
advisors.
So I wanted the perspective of a woman
and what it's like.
Yes.
Yeah.
And I love that.
And plus it all came back full circle.
Now you're working with, I know he's in
the same office.
(15:36):
Yeah.
So we're colleagues now.
It's so crazy how that works out.
And I think it's really interesting and very
beneficial.
Very, I don't want to say you had
a great opportunity.
You were blessed with the fact that you
started thinking about finances at a very young
age.
Yeah.
I personally, I'm not a financial planner, so
I'm not talking to a bunch of people
about this.
(15:56):
So we're going to need your perspective.
But my original thought is that's not the
case.
Like people wait until they're well into their
adult life to start thinking about getting their
finances in order.
Yeah.
And we see it all the time.
It's like, you should have started sooner.
You should have started sooner.
It's just like, but I didn't know.
Yeah.
I just didn't know.
(16:17):
So I love that your family kind of
set you up for success in that aspect.
I think that's huge.
And I think for like everyone else now,
where we're at now, millennials, I don't think,
I don't even know how old Gen Zers
are.
No.
What's the generation after that?
I don't know.
(16:38):
But I just feel like for me and
for like other people in my shoes, now
I feel like I have a duty to
make sure like the generation beforehand and the
babies I will eventually raise, they're going to
be financially literate, have some type of financial
background.
And plus it's my perspective that high school
should be having some type of class regarding
(17:01):
money, budgeting.
I don't, like a home ec class, but
with finances tied into the curriculum.
Yeah.
Absolutely.
Yeah.
I was very lucky too.
When I was in Ireland in school, there
was a business studies class and it was
taught by a woman and I loved that
class.
And I only remember like little bits and
pieces from that class at that time.
(17:23):
Cause we moved, I was probably like 11
or so.
And, but I vividly remembered like we had
to almost like balance a checkbook.
Like it was, it had to do with
like accounting and finances.
And I was like, wow, like we learned
that so young, but here, you know, it's
either you are taught by your parents and
most people don't have many conversations with their
(17:44):
parents, or you just like inherit their habits
and their money beliefs, or it's, you know,
you were, you're at school and if they
have a class, you're very much in the
minority.
I don't know really any high school that
teaches personal finance.
And yet you're going off to college at
18, many people signing up for student loans
without knowing what the, yeah, what the consequences
(18:04):
are.
Yeah.
Some even hundreds of thousands.
Yeah.
Yeah.
Contracting away.
And then that impacting us for like the
rest of our lives.
So I, yeah, I agree.
I agree.
Okay.
So now you're in this role as a
financial, as a financial planner.
I do want to talk about the disparity
when it comes to men and women.
(18:25):
Yeah.
Because they're clearly as one.
So I'm curious to know, like your perspective
or your experience dealing with men compared to
women, like what challenges do you see women
are facing when it comes to their finances?
Yeah.
There's definitely some unique challenges that women are
up against, you know, that maybe our male
(18:46):
counterparts are not.
And that's a combination I think of the
societal norms and expectations.
So many women take career breaks to raise
kids.
There is a really big conversation around, you
know, taking time off for your career to
raise kids and then comparing that also to
the cost of what if you keep working
at your career, but then hire, you know,
(19:08):
a nanny daycare and depending on where you
live, that's a really high cost.
So yeah.
So it's really figuring out that balance, then
who is going to, you know, sacrifice their
career to raise your kids.
And a lot of times that falls on
the woman.
We have like a sandwich generation where people
are raising their kids, but also taking care
of their aging parents.
So a lot of times it's the, the
(19:28):
woman, again, that is taking on those responsibilities.
And when you take career breaks, not only
are you, you know, of course, foregoing that
income, but you're also not contributing to your
retirement account.
You know, you don't have a 401k or
43B or 457 through your employer.
You're probably not contributing to a Roth IRA.
(19:49):
You can if you have as a non
-working spouse, but many people might not know
that.
So not only are we giving up income,
we're giving up those retirement contributions, the compound
interest.
And so the long-term growth, so that
has a detrimental long-term effect of women
in women in retirement.
And then the gender pay gap, you know,
women are still being paid less compared to
(20:11):
men.
If we look, it's about 83 cents to
a dollar.
And that gap is even wider if we
actually looked into race and so forth.
So those are, you know, each one of
those things has a compounding effect.
If you're paid less, you're going to have
less money after your fixed expenses to invest,
to pay down debt, to save.
(20:32):
And so then you're, you have, you know,
your bucket of money that is invested is
smaller.
So it's going to grow, you know, not
as quickly as someone that is maybe in
the same position at work, but it's just
getting paid more.
Right.
Exactly.
And then coming from a divorce attorney's perspective,
because the divorce rate is still pretty high
-ish.
It's no longer 50%.
(20:52):
It's more like 47.
That's the case if someone decides to take
off time to work or to care for
the kids, so on and so forth, there's
now that less retirement that they could have
had, they've just been working.
In the event, a divorce happens.
Granted, yes, the husband's retirement is pretty much
still community.
(21:12):
Yeah.
But it's a lesser amount because the woman
decided to take off work and care for
the kids.
So that lesser amount is now likely split
50-50.
And it's not enough for, it's usually not
enough for the to even be close to
retiring.
And it's sure a starting point for the
wife now, but still not enough.
(21:33):
And now she has to go back into
the workforce, learn all these new skills to
hopefully be able to get a job to
be able to contribute a good sizable amount
to be able to retire, hopefully around 60
-65.
Yeah.
So I feel like women, not at all.
(21:54):
I understand we're coming from society has shifted.
Okay.
We're no longer the traditional wives.
We have these options, all that stuff.
And I know it's a very big mindset
shift, but I feel like women just aren't
yet realizing the impact of not being financially
well.
So I'm not saying a divorce is going
to happen, but, you know, just consider something
(22:15):
like, just consider what could possibly happen in
the future.
I'm not saying your husband's going to die,
but what happens if death does occur and
you haven't been working and how are we
now going to get you on track?
So like, there's, there's just all these considerations
that I wish women would just consider so
they can protect themselves and then have the
(22:35):
necessary things in place if they happen.
Yeah.
God forbid they, I mean, death is going
to happen eventually anyways, but God forbid the
other things happen, but just, just in case.
Yeah, absolutely.
And women tend to outlive men.
So at one point in your life, there's,
you're going to be in charge of your
finances, whether it's, you know, death or divorce.
(22:57):
And it's a matter of like, were you
involved in those money conversations to begin with?
And I think you're right in terms of
things are shifting.
We have just a lot more access to
opportunities.
There's a lot more female business owners.
We have, you know, access to lines of
credits.
We can get business loans.
We can get credit cards without a male
co-signer that it wasn't that long ago
(23:17):
that we couldn't do it.
I love that you brought that up.
I forgot the year that it went into
effect where we no longer needed to depend
on a man to have big accounts and
all that stuff.
And I'm just like, my mom was born
around that time.
Like it was not that long ago that
we were fully dependent on a male counterpart.
(23:38):
Like we literally, I mean, there were some
exceptions, but we were, there was no way
for us to live our lives independent.
And I just think that's wild.
And it's just a complete 180 now.
But obviously with change comes also that mentality
shift.
And so like some things are just lagging
behind.
You still have people who are traditional.
(23:58):
There's nothing wrong with that.
But there's just like little shifts now.
Yeah.
And there's more opportunity.
We're just starting, we have a different starting
line.
So, you know, it's good to know how
far we've come, but we still have a
long way to go.
And something that I still see happening, which
is just shocking in my line of work
is that women are still being left out
of the money conversations.
(24:19):
You know, I just started working with a
client who's had a longtime financial advisor, her
and her husband, but the husband was leaving
her.
No, no, no.
The financial advisor was leaving her out of
the money conversation.
Like she felt ignored, not acknowledged.
And she was like, I've had enough.
So, you know, she moved over to work
with me now, but it's still happening.
(24:40):
So anyone that's like being left out of
the money conversation, like there are decisions being
made that will directly impact you now or
down the line.
So you have to get involved.
You need to be financially aware and know
what's going on in your own house.
100%.
Marriage involves an economical unit.
If someone doesn't want to be 100%
involved in making the choices, fine, but involved
(25:01):
in knowing what's happening, what's taking place.
Yeah, I agree.
I agree.
What resources can you give us as women
to become more financially literate when it comes
to our finances?
Whether that means like, like I said, there's
so many options.
Is it investing in real estate?
Is it the retirement plans?
And there's so many different things and some
(25:23):
you have to qualify for.
I just found out like two days ago,
I don't qualify for, what is it, a
Roth IRA.
I had no idea.
I was just contributing to it and my
tax guy was just like, no, here are
the three options to get this money out
because you cannot contribute to it anymore.
(25:43):
And I just have no idea.
So like, where can we go to learn?
Yeah.
Well, consider if you qualify for a backdoor
Roth.
That's why we're like, okay, there are ways
to kind of get around that.
You know, there's an IRS loophole for contributing
to a Roth IRA if you don't qualify
because of income limits.
(26:03):
It really goes back to, again, what you
mentioned, financial literacy.
You know, you don't know what we don't
know.
And when it comes to finances, ignorance is
not bliss.
Like what you don't know can hurt you
and affects you longterm.
So the nice thing about social media is
that we have all this access, so you
could easily look up money podcasts and books
(26:23):
and different educational pieces.
I think with that also comes its challenges
of vetting out the source because anyone can
go on Instagram and talk about finances.
So, you know, just to give people some
advice is you definitely want to take your
financial tips if you are going online from
someone that's actually licensed and has the credentials,
(26:45):
not someone that's just, you know, yeah, or
an influencer talking about money.
Like we go through, you know, different certifications
and registrations and licenses.
So we have disclosures on my Instagram bio,
for example.
So that's kind of an easy way to
vet out if someone's a financial advisor, if
they're registered, or if it was just a
random person that has decided to talk about
(27:06):
money, you would definitely want to vet the
source.
And then one of the key things is
your financial habits.
So I'm a really big fan of having
consistent money dates.
I do them every Friday.
And I think, yeah, it's fun.
And it doesn't take up a lot of
time if you do it every week.
And I do have like a free money
day checklist that, you know, we can share.
(27:29):
But I would say that getting educated about
what is happening in your own finances first
is key.
And, you know, planning out your goals.
But in terms of what should, you know,
someone listening actually do, definitely look into your
own investments.
You know, first of all, are you investing?
Is there a way that you can increase
(27:51):
your investments?
And I think of investing as a scale
because a lot of times people think, oh,
like, the stock market scares me or it's
like, I don't want to be too risky.
When we say investing, you know, we're typically
talking about the stock market.
But think of the stock market or investing
as a scale.
You can invest in something that is more
conservative.
(28:11):
So taking on less amounts of risk, you
know, versus someone that is in their 20s
saving in a Roth IRA, you can take
on a little bit more.
So you're on the other end of the
spectrum.
And there's all these things in between.
So it really comes down to, you know,
your overall goals, what you're looking to achieve
in terms with your investments and your financial
(28:32):
goals.
But really look into your investments first, see
if it's being invested properly and get a
better handle on what your other investment options
are.
You have your retirement contributions, you have non
-retirement investment accounts.
So they are called all different names.
(28:53):
No, no, no.
And that's what makes it confusing because some
financial firms will call them a brokerage account.
Then you have individual account, a taxable account,
you guys there.
The way I lump them all is those
are all non-retirement investment accounts.
So once you start having your savings funded,
you're putting away money for retirement, you don't
want to just keep adding money to your
savings above what you need.
(29:14):
You really want to make that work for
you and you can put it away into
a non-retirement investment account too.
I don't know why I think brokerage.
I have a brokerage account.
Okay.
Yeah.
Typically that means it's, well you got to
look into it because it could be different
like firm by firm, but typically if it
says brokerage, if it's not an IRA.
Yes.
Okay.
Okay.
That makes sense.
(29:35):
Are you able to give specific advice when
it comes to someone's brand spanking new, these
are things they can consider looking into?
Yes.
Yeah, yeah, yeah.
Okay.
Okay.
Because then that's my next question.
I don't know if I answered your initial
question about the resource.
I feel like I went off.
No, no, no.
No tangent.
(29:55):
No, it's okay.
I was just like, Oh no.
(Transcribed by TurboScribe.ai. Go Unlimited to remove this message.) What challenges do you see women facing when
it comes to finances?
Yeah, there's definitely some unique challenges that women
are up against, you know, that maybe our
male counterparts are not.
And that's a combination, I think, of these
societal norms and expectations.
So many women take career breaks to raise
(00:21):
kids.
There is a really big conversation around, you
know, taking time off for your career to
raise kids.
And then comparing that also to the cost
of what if you keep working at your
career, but then hire, you know, a nanny,
daycare, and depending on where you live, that's
a really high cost.
So yeah, so it's really figuring out that
balance, then who is going to, you know,
(00:42):
sacrifice their career to raise your kids.
And a lot of times that falls on
the woman.
We have like a sandwich generation where people
are raising their kids, but also taking care
of their aging parents.
So a lot of times it's the the
woman again, that is taking on those responsibilities.
And when you take career breaks, not only
are you, you know, of course, foregoing that
(01:03):
income, but you're also not contributing to your
retirement account.
You know, you don't have a 401k or
four, three B 457 through your employer, you're
probably not contributing to a Roth IRA.
Hello, and welcome back to our podcast queens
with big dreams.
My name is Devaney Wells Gibson.
By day I am a divorce attorney, also
(01:26):
known as the prenup queen in San Diego,
California.
And by night or by hobby, I run
this podcast queens with big dreams where I
have the absolute pleasure of speaking with so
many different individuals when it comes to building
our lives, crafting our lives and truly going
after the goals and the dreams that we
(01:47):
set for ourselves.
I am a big proponent of if your
heart desires it, it's meant for you.
And we just need to go out there
and get it.
So this is a very safe space for
women who truly want more and who truly
desire more.
And this is a place where you can
very openly and unapologetically go after it.
(02:12):
So I speak to people who can help
set us up to do that, who can
make the journey of going after our dreams
and really laying into our ambitions and really
just being honest with ourselves.
And wanting more, I speak to people who
will help us achieve more, who will tell
us it's okay to want more, and who
will help prepare us on that journey to
(02:34):
getting more.
So that way we can better and more
informed decisions in literally everything that we do.
This podcast is, or this episode is episode
two with Elisa Todd, who is a financial
advisor.
And I first want to caveat and give
my apologies to Elisa, because you'll notice during
(02:58):
the podcast, I kept calling her a financial
planner.
And that is not what she is.
She's a financial advisor.
That means she is licensed to give advice
and guidance when it comes to investments in
your financials.
And so I want to distinguish that because
that takes a whole lot of effort, time,
(03:19):
and commitment, along with taking the required tests
and getting the required knowledge to become an
advisor.
So Elisa, I apologize for calling you a
financial planner, and I want everyone to know
that she is a financial advisor.
She is also known as a personal CFO,
chief financial officer, and therefore a financial advisor,
(03:43):
aka a wealth advisor.
And so what you'll notice through this entire
podcast is Elisa is super passionate when it
comes to providing women the guidance and the
knowledge to one, try to close the wealth
gap, but two, to encourage women to be
upfront and involved in those financial and wealth
(04:04):
discussions.
It wasn't long ago when women started getting
access to lines of credit and the ability
to now have bank accounts.
Matter of fact, it was in the 60s
when the law passed that allowed for women
to have bank accounts.
But you know, society sometimes takes a little
bit to get on board with these new
(04:25):
laws, these new regulations, these new requirements that
provide it for some type of equality in
that sense.
And so it really wasn't until 1974, which
is like our parents' era.
So it really wasn't that long ago when
women actually got the absolute right to be
(04:46):
able to open bank accounts.
So Elisa is very passionate about that.
So we talked about her journey into her
being a financial advisor, her passion for it.
She also drops so much information.
So you'll also see through the podcast that
clearly I was learning as I was going.
And so a lot of the questions that
(05:06):
I'm asking her, because one, I'm also new
to finances.
I'm highly ambitious.
I'm a business owner.
I desire more, but I really don't know
a lot when it comes to those types
of things and those finances and how to
invest and what do I do with this
money.
And is it just sitting there?
Is it working for me?
(05:27):
Is it going to help me be able
to retire?
What is this money doing?
I don't know what to do with it.
Please help me.
And there's Elisa, who is the advisor to
give me that guidance and that knowledge.
And so you'll see her giving me some
tips and tricks as we go through it.
And I hope it's information and knowledge that
(05:47):
you can also use and apply in your
daily lives.
We talked about everything from a normal bank
account to a high yield savings account, to
all the different investment accounts, which still seems
like a lot and goes over my head
sometimes.
But she breaks it down so easily.
And so she breaks it down in a
way that's so digestible to where it's not
(06:10):
overwhelming and you can just take it and
apply it into your daily life.
And so enough of me talking because I
could talk about Elisa for forever.
She is a wealth of knowledge.
And I know y'all are going to
have a great time listening to her throughout
this podcast.
So sit down, grab some tea, grab some
(06:32):
coffee, whatever time of day it is.
And I don't know, maybe eat your dinner
while you're listening to it, whatever the case
may be.
And enjoy this episode of Queens with Big
Dreams with Elisa Todd.
Yeah, it's been a roller coaster of a
ride, actually.
So my family grew up in Europe.
So very, very different, like culturally, everything different
(06:53):
than the US, you know, my parents are,
my dad is from Ireland, my mom is
from Japan.
And then we grew up in the Netherlands.
And so we were very lucky, myself and
my two younger siblings to travel a lot
because we saw a lot of the world,
especially Europe, we went back to Japan a
lot, to my mom's side of the family.
(07:13):
And then along the way, you know, we
moved to the United States in 2008.
It was for my dad's job.
Yeah.
And so we all, you know, moved here.
First time being in America, I was in
California, like, wow, there's like palm trees lining
the streets.
Like, it was so sunny.
I grew up in the rain.
And in the cold, there's like, times where
(07:34):
just the rain was hitting me in the
face so hard.
It was horrible.
And now we live in this like, beautiful
Southern California.
It's a dream come true.
Honestly, it was like such a nice, fresh
start being here.
And we grew, I moved here right before
high school.
So that had its own challenges, you know,
going through high school, brand new with like,
not knowing anyone.
And it was interesting enough, I feel like
(07:55):
my parents and myself, we learned a lot
about finances and just the way money works
in the United States at the same time.
Yeah, when I was going to college, because,
you know, my parents are from countries where
you don't have to have like a 529
savings plan.
You know, there's no investing for college, it's
very much like government funded, mostly.
(08:17):
And so it never crossed their mind that
they need to save for college.
You know, it's just, that's not how they
were raised.
That's, you didn't need that.
And none of us thought we would live
in America at all.
And so I remember going through like, the
college application process and sitting with a college
planner.
We're like, wait, college costs how much?
Like, what?
(08:37):
People save their entire lives to go to
higher education.
It was so, so crazy.
But it was really a lightbulb moment for
me where I first saw, you know, firsthand
that, okay, money buys you opportunity.
It is a way for you to get
a better future for yourself, get an education
for your loved ones or for yourself.
(08:58):
And I was like, wow, like, that was
like, really one of my first, not necessarily
my first money memories, but that's one that
really stands out to me where I saw
the power and the value of having money
and the way it can put you in
different rooms and provide opportunities for you.
And I also thought to myself, you know,
like, I don't ever want to be stressed
out about this and have to feel like
(09:19):
I'm going to limit myself because I don't
have the money to do or go somewhere
that I want.
And that was just a really, really impactful
time in my life that's affected now, like
how I do things in my career and
help people.
And so I went to San Diego State,
go Aztecs.
Oh yeah, repping the red.
(09:42):
And I mean, amazing college experience.
But one of the things that the university
did that truly changed my life is they
introduced this Aztec mentorship program where alumni could
become mentors to students.
And it was a brand new, I was
a junior in college when they first launched
this.
And I had heard about finance space.
I was going in as a finance major.
And, you know, you take all these like
(10:03):
personality or aptitude tests and they're like, oh,
you should like maybe do this, go into
finance.
And I was like, you know what, I
need to talk to someone that is doing
exactly.
And I didn't know any, you know, financial
advisors.
I didn't have access to people like that
in my personal life.
So I searched the database for alumni and
there was someone that was a financial advisor.
(10:23):
And so we paired up for the semester
and he was just such a blessing.
Took me to my first networking.
Like seven in the morning, we went to
a breakfast, BNI.
I saw you post about that on your
Instagram.
That was in college?
It was in college.
He was like, if you want to be
a financial advisor, you have, it's all relationships
(10:43):
based.
It is about networking.
And he was in BNI.
So he was like, I'll see you at
7am in Bonita.
And I was like, what?
As a junior in college.
I know it was crazy.
Okay.
And so he then, you know, showed me
what he was actually doing for clients.
And he loved it.
And it was really, we could almost see
a before and after in someone's financial life.
(11:04):
And just, it really was fulfilling to him
too.
And I really wanted to work at a,
you know, in a profession where I felt
fulfilled.
Like I didn't want to just clock in
and out.
So it was such a good experience being
mentored by an actual financial advisor.
And I did the program again, the second
semester.
And I was paired with another financial advisor
who was a huge Tony Robbins fan.
(11:25):
So he would send me.
Well, I'd never heard of Tony Robbins at
that time.
You know, this is like in college.
So this is also before like there was
all this, I mean, there was Instagram around,
but it wasn't as, you know, we weren't
all using it like the way we are
today.
So I'd never heard of Tony Robbins before.
And so every week he was sending me
Tony Robbins videos and we get on the
(11:45):
phone and we like debrief.
It was like basically doing like personal development
with me without me, like even knowing that
term.
You just talk about manifesting, go walking around
in neighborhoods that you really are inspired by.
He said he did that.
Yeah.
And he was like, now he was moving
into his dream home.
And it was like, you have to put
yourself in rooms where even if you don't
(12:06):
feel like you belong right now, that's where
you want to go.
It was such a good lesson.
And so when I had such a great
experience and I was like, I want to
be like him too.
So I was like, you know what, maybe
financial, being a financial advisor is the route
for me.
And so to one of the hard things
about personal financial services is getting in the
door.
Sometimes that's the hardest part, you know, actually
(12:27):
working at a firm, you need to know
someone, or you can be one of like
many people that just apply online.
So what my mentor had said is you
should call like the hiring managers and say,
you're a student, you want to intern.
Is there any way you can come in
for an interview?
So I started Googling and I'm like, all
these like hiring managers are like middle-aged
white men.
I was like, I've never picked up the
(12:48):
phone to call a stranger in my life.
You don't do that.
And I was like, oh no, I can't
do this.
And he's like, you have to do it.
This is the way to do it.
No one is doing it.
So they'll pick up and they'll be interested.
So what I did instead, because I was
so intimidated is I went through all the
big companies in San Diego and I had
a spreadsheet and listed out all the female
(13:09):
financial advisors.
It was a short list.
So I called them and said, I'm a
student.
I would like to learn from a female
financial advisor about this industry.
And I made a bunch of calls.
I had coffee meetings with some, and that's
how I got an internship at Morgan Stanley
because one of the calls worked out that
way.
And that's finally being in an industry that
(13:30):
I had heard about for a year.
It really was incredible.
And I saw the power of being proactive
with your money, having your investments working for
you, having your money work for you.
And that's really where I fell in love
with this industry.
And it was such a, it was a
good experience.
So when I, when it was time for
me to like graduate college and figuring out
(13:52):
what I actually was going to do, my
first mentor introduced me to my current business
partner today because I had worked at a
previous firm.
So it all came around for full circle.
And then within that same year, my first
mentor left his firm and joined our company.
So we were working in the same office
as my mentor.
It's insane.
(14:12):
It was perfect.
I do actually have a question on this
one because I love the fact that your
mentor was a male, a gentleman, because I
am a big proponent, obviously feminism, the movement,
but I feel like we can't push or
get anywhere without men.
They're the ones who are helping us move
(14:33):
forward with the feminism movement.
And so I love that fact.
And then I love also that when you
were calling around, first you got your spreadsheet,
you found all the female financial planners.
Why did you seek out female financial?
Yeah.
I wanted to see what it was actually
like being a woman in the industry, because
(14:54):
it's very apparent that there aren't very many
women.
And it's like, well, why is that?
Is this a horrible career for women?
Like why, what is going on?
You know?
And then frankly, like I was, how old
are you when you were a junior, like
20 something, like early twenties, right?
I never picked up the phone to call
a stranger.
And I was like, I don't know if
I can talk to like a much older
(15:16):
guy.
I was just very intimidated.
I was like, you know what?
I feel there's just that relatability talking to
a woman.
And I was like, if I'm going into
this industry, I want to be, I'd already
had really great experiences with two male financial
advisors.
So I wanted the perspective of a woman
and what it's like.
Yes.
Yeah.
And I love that.
And plus it all came back full circle.
Now you're working with, I know he's in
the same office.
(15:36):
Yeah.
So we're colleagues now.
It's so crazy how that works out.
And I think it's really interesting and very
beneficial.
Very, I don't want to say you had
a great opportunity.
You were blessed with the fact that you
started thinking about finances at a very young
age.
Yeah.
I personally, I'm not a financial planner, so
I'm not talking to a bunch of people
about this.
(15:56):
So we're going to need your perspective.
But my original thought is that's not the
case.
Like people wait until they're well into their
adult life to start thinking about getting their
finances in order.
Yeah.
And we see it all the time.
It's like, you should have started sooner.
You should have started sooner.
It's just like, but I didn't know.
Yeah.
I just didn't know.
(16:17):
So I love that your family kind of
set you up for success in that aspect.
I think that's huge.
And I think for like everyone else now,
where we're at now, millennials, I don't think,
I don't even know how old Gen Zers
are.
No.
What's the generation after that?
I don't know.
(16:38):
But I just feel like for me and
for like other people in my shoes, now
I feel like I have a duty to
make sure like the generation beforehand and the
babies I will eventually raise, they're going to
be financially literate, have some type of financial
background.
And plus it's my perspective that high school
should be having some type of class regarding
(17:01):
money, budgeting.
I don't, like a home ec class, but
with finances tied into the curriculum.
Yeah.
Absolutely.
Yeah.
I was very lucky too.
When I was in Ireland in school, there
was a business studies class and it was
taught by a woman and I loved that
class.
And I only remember like little bits and
pieces from that class at that time.
(17:23):
Cause we moved, I was probably like 11
or so.
And, but I vividly remembered like we had
to almost like balance a checkbook.
Like it was, it had to do with
like accounting and finances.
And I was like, wow, like we learned
that so young, but here, you know, it's
either you are taught by your parents and
most people don't have many conversations with their
(17:44):
parents, or you just like inherit their habits
and their money beliefs, or it's, you know,
you were, you're at school and if they
have a class, you're very much in the
minority.
I don't know really any high school that
teaches personal finance.
And yet you're going off to college at
18, many people signing up for student loans
without knowing what the, yeah, what the consequences
(18:04):
are.
Yeah.
Some even hundreds of thousands.
Yeah.
Yeah.
Contracting away.
And then that impacting us for like the
rest of our lives.
So I, yeah, I agree.
I agree.
Okay.
So now you're in this role as a
financial, as a financial planner.
I do want to talk about the disparity
when it comes to men and women.
(18:25):
Yeah.
Because they're clearly as one.
So I'm curious to know, like your perspective
or your experience dealing with men compared to
women, like what challenges do you see women
are facing when it comes to their finances?
Yeah.
There's definitely some unique challenges that women are
up against, you know, that maybe our male
(18:46):
counterparts are not.
And that's a combination I think of the
societal norms and expectations.
So many women take career breaks to raise
kids.
There is a really big conversation around, you
know, taking time off for your career to
raise kids and then comparing that also to
the cost of what if you keep working
at your career, but then hire, you know,
(19:08):
a nanny daycare and depending on where you
live, that's a really high cost.
So yeah.
So it's really figuring out that balance, then
who is going to, you know, sacrifice their
career to raise your kids.
And a lot of times that falls on
the woman.
We have like a sandwich generation where people
are raising their kids, but also taking care
of their aging parents.
So a lot of times it's the, the
(19:28):
woman, again, that is taking on those responsibilities.
And when you take career breaks, not only
are you, you know, of course, foregoing that
income, but you're also not contributing to your
retirement account.
You know, you don't have a 401k or
43B or 457 through your employer.
You're probably not contributing to a Roth IRA.
(19:49):
You can if you have as a non
-working spouse, but many people might not know
that.
So not only are we giving up income,
we're giving up those retirement contributions, the compound
interest.
And so the long-term growth, so that
has a detrimental long-term effect of women
in women in retirement.
And then the gender pay gap, you know,
women are still being paid less compared to
(20:11):
men.
If we look, it's about 83 cents to
a dollar.
And that gap is even wider if we
actually looked into race and so forth.
So those are, you know, each one of
those things has a compounding effect.
If you're paid less, you're going to have
less money after your fixed expenses to invest,
to pay down debt, to save.
(20:32):
And so then you're, you have, you know,
your bucket of money that is invested is
smaller.
So it's going to grow, you know, not
as quickly as someone that is maybe in
the same position at work, but it's just
getting paid more.
Right.
Exactly.
And then coming from a divorce attorney's perspective,
because the divorce rate is still pretty high
-ish.
It's no longer 50%.
(20:52):
It's more like 47.
That's the case if someone decides to take
off time to work or to care for
the kids, so on and so forth, there's
now that less retirement that they could have
had, they've just been working.
In the event, a divorce happens.
Granted, yes, the husband's retirement is pretty much
still community.
(21:12):
Yeah.
But it's a lesser amount because the woman
decided to take off work and care for
the kids.
So that lesser amount is now likely split
50-50.
And it's not enough for, it's usually not
enough for the to even be close to
retiring.
And it's sure a starting point for the
wife now, but still not enough.
(21:33):
And now she has to go back into
the workforce, learn all these new skills to
hopefully be able to get a job to
be able to contribute a good sizable amount
to be able to retire, hopefully around 60
-65.
Yeah.
So I feel like women, not at all.
(21:54):
I understand we're coming from society has shifted.
Okay.
We're no longer the traditional wives.
We have these options, all that stuff.
And I know it's a very big mindset
shift, but I feel like women just aren't
yet realizing the impact of not being financially
well.
So I'm not saying a divorce is going
to happen, but, you know, just consider something
(22:15):
like, just consider what could possibly happen in
the future.
I'm not saying your husband's going to die,
but what happens if death does occur and
you haven't been working and how are we
now going to get you on track?
So like, there's, there's just all these considerations
that I wish women would just consider so
they can protect themselves and then have the
(22:35):
necessary things in place if they happen.
Yeah.
God forbid they, I mean, death is going
to happen eventually anyways, but God forbid the
other things happen, but just, just in case.
Yeah, absolutely.
And women tend to outlive men.
So at one point in your life, there's,
you're going to be in charge of your
finances, whether it's, you know, death or divorce.
(22:57):
And it's a matter of like, were you
involved in those money conversations to begin with?
And I think you're right in terms of
things are shifting.
We have just a lot more access to
opportunities.
There's a lot more female business owners.
We have, you know, access to lines of
credits.
We can get business loans.
We can get credit cards without a male
co-signer that it wasn't that long ago
(23:17):
that we couldn't do it.
I love that you brought that up.
I forgot the year that it went into
effect where we no longer needed to depend
on a man to have big accounts and
all that stuff.
And I'm just like, my mom was born
around that time.
Like it was not that long ago that
we were fully dependent on a male counterpart.
(23:38):
Like we literally, I mean, there were some
exceptions, but we were, there was no way
for us to live our lives independent.
And I just think that's wild.
And it's just a complete 180 now.
But obviously with change comes also that mentality
shift.
And so like some things are just lagging
behind.
You still have people who are traditional.
(23:58):
There's nothing wrong with that.
But there's just like little shifts now.
Yeah.
And there's more opportunity.
We're just starting, we have a different starting
line.
So, you know, it's good to know how
far we've come, but we still have a
long way to go.
And something that I still see happening, which
is just shocking in my line of work
is that women are still being left out
of the money conversations.
(24:19):
You know, I just started working with a
client who's had a longtime financial advisor, her
and her husband, but the husband was leaving
her.
No, no, no.
The financial advisor was leaving her out of
the money conversation.
Like she felt ignored, not acknowledged.
And she was like, I've had enough.
So, you know, she moved over to work
with me now, but it's still happening.
(24:40):
So anyone that's like being left out of
the money conversation, like there are decisions being
made that will directly impact you now or
down the line.
So you have to get involved.
You need to be financially aware and know
what's going on in your own house.
100%.
Marriage involves an economical unit.
If someone doesn't want to be 100%
involved in making the choices, fine, but involved
(25:01):
in knowing what's happening, what's taking place.
Yeah, I agree.
I agree.
What resources can you give us as women
to become more financially literate when it comes
to our finances?
Whether that means like, like I said, there's
so many options.
Is it investing in real estate?
Is it the retirement plans?
And there's so many different things and some
(25:23):
you have to qualify for.
I just found out like two days ago,
I don't qualify for, what is it, a
Roth IRA.
I had no idea.
I was just contributing to it and my
tax guy was just like, no, here are
the three options to get this money out
because you cannot contribute to it anymore.
(25:43):
And I just have no idea.
So like, where can we go to learn?
Yeah.
Well, consider if you qualify for a backdoor
Roth.
That's why we're like, okay, there are ways
to kind of get around that.
You know, there's an IRS loophole for contributing
to a Roth IRA if you don't qualify
because of income limits.
(26:03):
It really goes back to, again, what you
mentioned, financial literacy.
You know, you don't know what we don't
know.
And when it comes to finances, ignorance is
not bliss.
Like what you don't know can hurt you
and affects you longterm.
So the nice thing about social media is
that we have all this access, so you
could easily look up money podcasts and books
(26:23):
and different educational pieces.
I think with that also comes its challenges
of vetting out the source because anyone can
go on Instagram and talk about finances.
So, you know, just to give people some
advice is you definitely want to take your
financial tips if you are going online from
someone that's actually licensed and has the credentials,
(26:45):
not someone that's just, you know, yeah, or
an influencer talking about money.
Like we go through, you know, different certifications
and registrations and licenses.
So we have disclosures on my Instagram bio,
for example.
So that's kind of an easy way to
vet out if someone's a financial advisor, if
they're registered, or if it was just a
random person that has decided to talk about
(27:06):
money, you would definitely want to vet the
source.
And then one of the key things is
your financial habits.
So I'm a really big fan of having
consistent money dates.
I do them every Friday.
And I think, yeah, it's fun.
And it doesn't take up a lot of
time if you do it every week.
And I do have like a free money
day checklist that, you know, we can share.
(27:29):
But I would say that getting educated about
what is happening in your own finances first
is key.
And, you know, planning out your goals.
But in terms of what should, you know,
someone listening actually do, definitely look into your
own investments.
You know, first of all, are you investing?
Is there a way that you can increase
(27:51):
your investments?
And I think of investing as a scale
because a lot of times people think, oh,
like, the stock market scares me or it's
like, I don't want to be too risky.
When we say investing, you know, we're typically
talking about the stock market.
But think of the stock market or investing
as a scale.
You can invest in something that is more
conservative.
(28:11):
So taking on less amounts of risk, you
know, versus someone that is in their 20s
saving in a Roth IRA, you can take
on a little bit more.
So you're on the other end of the
spectrum.
And there's all these things in between.
So it really comes down to, you know,
your overall goals, what you're looking to achieve
in terms with your investments and your financial
(28:32):
goals.
But really look into your investments first, see
if it's being invested properly and get a
better handle on what your other investment options
are.
You have your retirement contributions, you have non
-retirement investment accounts.
So they are called all different names.
(28:53):
No, no, no.
And that's what makes it confusing because some
financial firms will call them a brokerage account.
Then you have individual account, a taxable account,
you guys there.
The way I lump them all is those
are all non-retirement investment accounts.
So once you start having your savings funded,
you're putting away money for retirement, you don't
want to just keep adding money to your
savings above what you need.
(29:14):
You really want to make that work for
you and you can put it away into
a non-retirement investment account too.
I don't know why I think brokerage.
I have a brokerage account.
Okay.
Yeah.
Typically that means it's, well you got to
look into it because it could be different
like firm by firm, but typically if it
says brokerage, if it's not an IRA.
Yes.
Okay.
Okay.
That makes sense.
(29:35):
Are you able to give specific advice when
it comes to someone's brand spanking new, these
are things they can consider looking into?
Yes.
Yeah, yeah, yeah.
Okay.
Okay.
Because then that's my next question.
I don't know if I answered your initial
question about the resource.
I feel like I went off.
No, no, no.
No tangent.
(29:55):
No, it's okay.
I was just like, Oh no.
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