BayView Financial Planning

✅ Bucket list!

Thank you Mel Robbins for an amazing night!

Signed book. Bobblehead, the first one of a woman in Red Sox history. A jersey with LET THEM across the back.

LET is my word for 2026.

Let them. Let me. Two phrases. A whole different way of thinking.

Let them have opinions about what I’m doing. Let me build an independent financial planning firm for women, widows, and military-connected families.

The Let Them Theory reads like a personal growth idea. In my office it’s a financial planning tool.

Most of the women I sit with aren’t stuck on the math. They’re stuck on what everyone else thinks they should do with the money, the house, the career, the next chapter.

Let them think it. Let me decide.

I grew up in Massachusetts. I went to Boston University. From the 19th floor of my dorm I could see into Fenway.

Friday I was standing in it again. With my 80yo dad. Watching the Sox beat the Giants 6 to 4 on an absurdly beautiful August night.

✅ LET ME find opportunities to create memories with my family while also building a business I can be proud of…

What’s your word of the year? Are you still leaning into it?

Great way to spend our day!

Hot day but as always, put me right back in my happy place!

One of the most helpful frameworks I use with clients during major life transitions is something called the Decision-Free Zone (DFZ).

As a Certified Financial Transitionist (CeFT®), I’ve seen how easy it is to feel like every decision has to be made immediately, especially during military transition, a PCS, retirement, widowhood, or career change.

But the truth is… not everything is urgent.

That’s why I often help clients sort decisions into three categories:
• Now
• Soon
• Later

And honestly? A lot more things belong in the “soon” and “later” buckets than people realize.

That space gives you time to research, ask questions, talk to experts, and think through decisions that could impact your life for decades.

In this clip from the MilMo Podcast episode, “How Life Transitions Quickly Derail Your Finances,” we talk about how reducing pressure can lead to better long-term decisions.

If I was 25 again, I’d keep investing, even when it felt scary.

I remember watching the market drop, and getting really nervous about my investments. It felt like the world was falling apart.

For most people, especially young investors, when the market drops, it doesn’t feel like an opportunity.
It feels like something is wrong. Like you should wait. Like you should “pause until things settle down.”

That’s exactly what I used to think.

But what I didn’t fully understand at the time is this:
When markets are down, you’re essentially buying investments on sale.

And the funny part?
I love a good bargain.
I’ll wait for sales.
I’ll compare prices.
I’ll feel great about getting something for less.
But when it came to investing, I did the opposite.
I hesitated when prices dropped, even though that’s when long-term investors often get the most value.

If you're ready to get your financial planning on track, no matter your age, comment "call" and I'll send you link to a free Discovery call with me so we can get started.

People love to shame the “daily latte.”

“You should invest that money instead.”
“You should put it toward debt.”
“You’re wasting money.”

But I think personal finance is more nuanced than that.

If that latte gives you the energy you need to get through a demanding job, show up for your family, or keep building toward your goals… maybe it’s not the problem people make it out to be. And honestly? Sometimes small moments of joy matter too.

A latte is not usually what derails someone’s financial future. Lack of a plan, overwhelming debt, no emergency savings, or avoiding financial decisions altogether tend to matter a lot more.

In this clip from the MilMo Podcast episode, “How Life Transitions Quickly Derail Your Finances,” we talk about reframing the way we think about spending, goals, and what actually supports your life.