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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

Pearl Planning

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Pearl Planning

You work hard for your money. We help you make the most out of it.

05/28/2026

Nobody tells you this part of entrepreneurship.

Christy Howden, CEO and co-founder of Wolverine Pickleball, built one of the first pickleball-centric destination facilities in the country. And she’ll be the first to say the behind-the-scenes is nothing like the highlight reel.

“Entrepreneurs are definitely built different. It’s a roller coaster. You never turn it off.”

What keeps her going? Spreading joy, mentoring the next wave of entrepreneurs, and a community that shows up for her the way she shows up for them.

Her full story is on Women’s Money Wisdom with Melissa Joy, CFP®.

05/26/2026

Christy Howden was a stay-at-home mom for 18 years. Then she showed up to play pickleball at a senior center, paid $20 for a senior-in-training card, and eventually built one of the first pickleball-centric destination facilities in the country.

In this episode of Women’s Money Wisdom, Christy joins Melissa Joy, CFP®, to talk about building a second act business with no roadmap, fundraising as a female founder, and why community is the most powerful asset a small business has.

New episode out now.

https://podcasts.apple.com/us/podcast/womens-money-wisdom/id1583888433

05/25/2026

What does a basketball coach have to do with investing?

In this episode of Women's Money Wisdom, Melissa Joy, CFP® draws a compelling parallel between University of Michigan head coach Dusty May's shot discipline and the kind of framework every investor needs. May's players follow a clear hierarchy: free throws, layups, three pointers. Mid-range jumpers are off the table because the probability simply does not hold up.

The same logic applies to a sound investment process. When you define in advance what you will and will not do, you are better equipped to stay disciplined when the pressure is on.

Listen to the full conversation with guest Ben Carlson, Director of Institutional Asset Management at Ritholtz Wealth Management, now on Women's Money Wisdom.

05/21/2026

Prediction is not the skill. Preparation is.

In this episode of Women's Money Wisdom, guest Ben Carlson, Director of Institutional Asset Management at Ritholtz Wealth Management and author of Risk and Reward, explains why even the most credentialed forecasters consistently get it wrong. The investors who called the financial crisis often could not reverse course when conditions changed, and they missed the recovery entirely.

His case for a durable, diversified portfolio is not about pessimism. It is about building something wide enough to participate in outcomes you never could have seen coming, including the ones that surprise you to the upside.

Listen to the full conversation with host Melissa Joy, CFP® now on Women's Money Wisdom.

05/19/2026

Markets change. Human nature does not.

In the latest episode of Women's Money Wisdom, host Melissa Joy, CFP® sits down with Ben Carlson, Director of Institutional Asset Management at Ritholtz Wealth Management and author of Risk and Reward, to explore what financial history actually teaches us about building wealth over time.

From the inflation of the 1970s to the lost decade of 2000 to 2010, Ben draws on more than a century of market data to make the case for preparation over prediction and simplicity over complexity.

The conversation also turns to the great wealth transfer underway and why women are poised to control the majority of financial assets in the years ahead, even as the financial advice industry lags behind in preparing for that reality.
A grounding, practical listen for investors at every stage.

🎙️ Available now:
https://podcasts.apple.com/us/podcast/womens-money-wisdom/id1583888433

05/18/2026

You do not have to understand every piece of estate and trust administration to get started.

On Women's Money Wisdom, Melissa Joy, CFP® and Maddy Roche of Child Free Trust talk through why fiduciary oversight of investments matters and why the most important step is simply not underestimating the work involved when someone is incapacitated or passes away. The goal is not perfection.

The goal is having the right people and the right plan in place. Listen to the full episode now wherever you get your podcasts.

05/14/2026

Estate planning is not just about what happens when you die.

On the latest episode of Women's Money Wisdom, Melissa Joy, CFP® sits down with Maddy Roche, co-host of the Child Free Life by Design Podcast and Chief Growth Officer of ChildFree Trust, to talk about why your estate documents are really emergency documents.

One in ten people will experience dementia.

What happens if you cannot act on your own behalf? Getting the right people named in the right roles could make all the difference, and it matters long before any end of life scenario. Listen to the full episode now wherever you get your podcasts.

05/12/2026

Nearly a quarter of Americans do not have traditional next of kin, yet most financial planning tools, language, and advice were built assuming children are part of every client's future.

In this episode of Women's Money Wisdom, Melissa Joy, CFP® sits down with Maddy Roche, Chief Growth Officer of Childfree Trust® Trust and co-host of the Child Free Life by Design Podcast, to talk about what intentional planning actually looks like for child free people.

They cover why estate planning is really contingency planning, how insurance needs shift without children in the picture, what the "die with zero" concept means for child free clients, and why identifying the right people for fiduciary roles is one of the most important financial decisions a child free person can make.

This episode is for anyone who has ever sat in a planning meeting and felt like the advice was written for someone else's life.

Listen now on Women's Money Wisdom.

https://lnkd.in/dTCr7bh7

05/11/2026

Financial triage is real. And according to Ann Garcia, CFP®, the antidote is automation.

When families are managing the everyday demands of life, financial tasks often fall to the bottom of the list until a crisis forces the issue.

On this episode of Women’s Money Wisdom, Ann and Melissa Joy, CFP® discuss why automating your savings, contributions, and bill pay is one of the most powerful things you can do for your long-term financial security.

Listen now.

05/09/2026

Happy Birthday to Alexa! 🎉✨

We’re so grateful for all the positivity, hard work, and energy you bring to Pearl Planning every day. Your dedication and bright spirit make such a difference to our team and clients alike. Wishing you a year filled with happiness, success, and everything you deserve! 💜

Help us wish Alexa the happiest birthday! 🎂🥳

Address

8031 Main Street , Suite 201
Dexter, MI
48130

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://pearlplan.com/

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