Karen Coyne, CFP, Clarity Planning/Raymond James

07/08/2026

The financial conversations you need at 25 may not be the same ones you need at 55. As our lives evolve, so do our financial priorities. A first marriage looks different from a second marriage. Children, accumulated assets, estate plans, and family obligations can all shape the conversations that matter most.

But regardless of your stage of life, one principle remains the same: small misalignments can become larger problems when they're left unspoken.

In this episode of Money Without Math, Jackie Combs shares why clear communication, transparency, and setting expectations early can help couples navigate important financial decisions with greater confidence and less conflict.

Whether you're entering a new relationship, blending families, or simply thinking more intentionally about your future, this conversation offers practical insights worth considering.

07/08/2026

“We took your advice!”

Two meetings this past week began with the same declaration. Two sets of retired clients, both beaming while they told me what they’ve done since our last meeting. Not with regards to allocating or investing, but with spending.

There’s growing evidence to support what many of my colleagues and I have seen for years: many retirees are underspending. They’ve spent decades doing all the right things and now the habits, identity, fears and beliefs that helped make them successful at building wealth are keeping them from enjoying it.

Childlike joy washed over one client like it was Christmas morning as he told me about a piece of equipment that is making life easier and fun. Another told me about their perfect day at the beach—which they experienced because they decided to add an extra day to their trip.

It doesn’t have to be big to bring joy—it could be as simple as adding an extra night, making a few new contributions or even just buying the good cheese.

P.S. Cookies bring joy too—like this bundle we received from a creative and thoughtful client.

07/07/2026

The financial conversations you should have at 25 are very different from the ones you should have at 55.

By the time many people enter a second marriage, they may have children, accumulated assets, estate plans, or financial commitments that didn't exist earlier in life. As Jackie Combs explains, protecting what you've built and honoring obligations to the people you care about isn't a sign of distrust. It's part of thoughtful planning.

Tune in to the full episode of Money Without Math, to hear the discussion on second marriages, family dynamics, financial transparency, and why clear conversations today can help prevent misunderstandings later.

07/06/2026

Resentment doesn’t show up overnight.

It can start with assumptions.

When you assume the money is “handled.”
When decisions get made–without your input.
“Not having a seat at the table leads to resentment.”

If you’ve ever felt uncomfortable discussing money with your partner, listen in for insight on how to start.

07/04/2026

Talking about money can be hard, but avoiding tough conversations can make life even harder.

In this episode, attorney Jackie Combs joins us to discuss why financial transparency matters, how to approach uncomfortable money conversations and why it’s not too late to start having them.

Listen to the full episode of Money Without Math for more insight on financial intimacy, relationship dynamics, and building a stronger financial partnership.

06/30/2026

90% of people say they want to age in place.

But very few actually have a plan to make that work.

Part of the reason? Many of us think of ourselves as younger than we are. And while there are many benefits to having a youthful mindset, it can also cloud our ability to see the reality in front of us.

Tune in to the full episode with Ryan Frederick to learn more about place planning in every stage of life.

06/29/2026

Who you become isn't shaped by willpower alone. It's shaped by the environment around you.

The people you spend time with, the activities available to you, the routines you fall into, and the opportunities within reach are all influenced by place.

That's why where you live matters more than many of us realize.

Join the full episode to hear Ryan Frederick share how place can shape your health, happiness, finances, and future.

06/26/2026

When people hear "place planning," they might assume it means moving.

But place planning isn't about relocation. It's about understanding whether your current environment is helping you live the life you want to live.

Your health, relationships, finances, daily habits, and sense of belonging are all influenced by where you live. The goal isn't necessarily to find a new place. It's to make intentional decisions about the place you're in and the future you're building.

Listen to the full conversation to hear Ryan Frederick explain why place deserves a seat at the planning table and how thoughtful decisions today can have a lasting impact on your future.

06/18/2026

Big news! Karen has been selected as a speaker at Tedx Vero Beach!

Her talk is about how financial literacy can fail—even when you’re doing everything right. Aligning with the Architecture of Change theme, she’ll discuss why it might be time to unlearn some of the assumptions we’ve picked up around financial literacy.

The wait is over!

We're excited to introduce the remarkable speakers who will take the TEDx Vero Beach stage on Saturday, October 3, 2026, at The Emerson Center.

This year's theme, The Architecture of Change, explores a powerful idea: change isn't random. It's built.

Our speakers will share transformative stories, groundbreaking research, bold innovations, creative perspectives, and ideas that challenge the status quo. From science and technology to human resilience, education, exploration, and the arts, this year's lineup represents some of the most fascinating voices you'll hear anywhere on the Treasure Coast.

Visit TEDxVero.com to meet the speakers, read their bios, and learn more about the ideas they'll be sharing.

And if you've been thinking about attending, now is the time.

Early Bird tickets are on sale 2 for $100 through June 30.
Starting July 1, tickets are $75 each. Click Purchase Tickets button on the upper right corner of the home page.

Join us for an afternoon of ideas, inspiration, and meaningful conversations.

TEDx Vero Beach
Saturday, October 3, 2026
2:00 PM
The Emerson Center
Vero Beach, Florida

Purchase tickets at TEDxVero.com

06/04/2026

One of the hardest parts of sudden wealth is that your financial situation can change overnight while your relationship with money stays exactly the same.

Someone who spent decades being very cautious with money doesn’t suddenly stop feeling that way just because there’s now more money in the account.

Marin Laukka calls this “false scarcity.” People can objectively have enough and still feel stuck, anxious, or unable to spend because their identity was built in a completely different financial reality.

If you’ve ever wondered why more money doesn’t always create peace of mind, don’t miss this episode of Money Without Math.