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Mary Sterk, CFP ®, is the owner of Sterk Financial Services (www.sterkfinancialservices.com), which is headquartered in Dakota Dunes, SD and has a second location in Kansas City. Mary’s inspirational story is one of fighting her way from Welfare to Wealth Management despite a teenage pregnancy, living in low-income housing, and raising two small children while subsisting on food stamps. Mary has received numerous awards including the Forbes Best-In-State Wealth Advisor and Forbes Top Women W ...
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The Centre for Public Impact is a not for profit foundation dedicated to improving the positive impact of governments. Check out our stories of government effectiveness and impact from around the world. *The Centre for Public Impact, a BCG Foundation, is not affiliated with Public Impact, an independent education research and consulting firm dedicated to improving learning outcomes for all children in the United States.
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#BritneySpears was very young when she hit fame and created a large amount of fortune. She had some very public meltdowns early on and her Father became the custodian of her money. Her long running battle to reclaim financial control spurred the fans group called “The #FreeBritney Movement.” Britney successfully petitioned the court to end the #con…
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In this episode, “A Conversation About Working Through a Work Plan” you will hear ASCY’s Charlotte Edwards have a conversation with Nicole Hayes from Brightpath Waterdown Child Care Centre. Together they’ll share a community perspective and reflect on the year long journey of working through a work plan together.…
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Did you know you can reduce your taxes by making a QCD right out of your IRA? A QCD, also known as a Qualified Charitable Distribution, can be a great way to strategically reduce your tax bill. But there are nuances and rules surrounding it that are important to understand. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Ad…
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Valentine's Day is right around the corner and love is in the air! In this episode of "Money Guide with Mary Sterk", we talk about how you can show your love by making sure that your financial ducks are in a row so that your loved ones are all taken care of. Topics include:Life InsuranceBillsDebtMortality TableBenefitsEstate PlanningWillFinancial P…
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How do you know if your #investments are any good? Here’s the thing: #money doesn’t come with instructions. Creating and maintaining a strong #portfolio takes a lot of research and review. That’s why we developed our disciplined investment methodology. #holdings #wealth#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagemen…
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The #NewYear is here and 34% of #resolutions are financial-related. But here's the thing: only 39% of people in their twenties achieve their resolutions each year. If you're over 50, only 14% achieve their resolutions. Having somebody hold you accountable does improve your success rate. Here are some financial resolutions to consider.#creditscore #…
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This episode kicks off a series of podcast episodes that we’re having with the presenters that we had at our December 2023 Embracing The Early Years Professional Learning Day. In this episode “A Conversation With Mary Gordon About Roots and Seeds of Empathy” you will hear ASCY’s Susan Lepore have a conversation with Mary Gordon about how to build a…
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#Oprah says when she's buying things, she asks herself this: “Do my things promote joy, beauty, and usefulness or are they just burdensome? I have decided to keep only that which delights me or enhances my well-being.” Do you own your stuff or does your stuff own you?#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement …
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Let's kick your year off with a simple financial approach designed to last the year! #accountant #CPA #taxes #budget #debt #powerofattorney #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneyti…
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It's time to jump-start 2024! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share smart resolutions for you to think about the year ahead and improve yourself from a financial standpoint. Topics include:Credit ScoreEmergency FundSavingsBeneficiariesPer StirpesWillTestamentary TrustPower of AttorneyS…
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What can we learn from #celebrity #money mistakes? Finish your #estateplanning. #JackieO has an eternal legacy of style. Unfortunately, her style was better than her estate planning #jackieonassis #jackiekennedy #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirem…
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In this episode you will hear ASCY’s Nicole Colterman have a conversation with Shannon Elfner and Nicole Bloomkvist from Mary Poppins Co op Preschool in Caledonia. Shannon and Nicole will ask us to think about the celebrations that we typically acknowledge and celebrate in child care programs, and how and why we may consider celebrating something e…
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In this episode, “A Conversation About Exploring the Earth and Gardening Outdoors”, you will hear ASCY’s Nicole Colterman have a conversation with Lynn Sheridan and Susie Dyck from Calvary Daycare in Simcoe who discuss the outdoors, gardening and the transformation of their outdoor environments through their earth exploration project. The conversat…
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#Investing mistakes can get magnified in times of #marketvolatility, and one major mistake people make is trying to time the #market. Sometimes you have to just remember that the slow and steady method of investing is historically what wins. It's not timing the market. It's time IN the market. #moneyinaminute #forbes #financialplanner #investing #f…
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In this episode, “A Conversation About Being in Relationship with the Outdoors”, you will hear ASCY’s Kim Burns have a conversation with Kaylee Talbot and Amelia Pratt from Village Treehouse Childcare, who share their views on outdoor environments and how they work with children and families on creating a respect for the outdoors, through gardening…
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Caring for an aging parent presents loving opportunities, but also can bring difficult challenges as you transition towards handling their finances. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss various strategies to assist your aging parents with their finances - everything from bill paying to structu…
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Dans l'épisode d'aujourd'hui; "Une conversation sur les cheminements de carrière et le mentorat", vous entendrez Nancy Baverstock, d’ASCY, en conversation avec Julie Oke, Directrice du programme Le Petit Navire, discuter le rôle important que les relations professionnelles et le mentorat ont joué dans sa carrière. Nous vous souhaitons une bonne éco…
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Planning for retirement? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss four retirement expenses that might catch you by surprise. Topics include:Medical CopaysHealth InsuranceMedicareLong-term CareAssisted LivingNursing HomeSubscribe to the “Money Guide with Mary Sterk” podcast on apple podca…
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It's Medicare Open Enrollment Time - and things just keep getting more confusing! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey simplify many of the main points that are important to understand about the Medicare system. Topics include:RetirementIncomeSocial SecurityCapital GainsGross IncomeEmployersCaregiverD…
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What can we learn from #celebrity money mistakes? Be careful who you trust when it comes to your financial planning. #nicolascage #hollywood #actor #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #…
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In this episode, "A Conversation About Exploring Inclusive Spaces", you'll hear Susan Lepore, Lynn Vanderbrug, Kayla Davies, and Christina Viola from the ASCY Lynwood School Age Partnership Program share information about a second resource kit that they've created to support educators and children in before and after school programs on creating and…
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A successful company’s financial toolbox should contain more than your annual reports and profit forecasts. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share six smart business strategies to enhance, protect, or transition your business. Topics include:StressAnxietyProductivity401kRetirementEmotionsFiduciary…
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A successful investor maximizes gain and minimizes loss. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss 6 key principles that may help you invest more successfully. Topics include:CompoundingMutual FundReturnsWealthAsset AllocationDiversificationRetirementLiquidityPortfolioEmergency FundDollar Cost Aver…
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Navigating the complexities of Social Security can be confusing. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey clearly explain the basics of how Social Security works and the impact of your age on your benefits. Topics include:ssa.govBenefitsRetirementBreak Even PointDelayLongevityMaximizationDivorceWidowSurvi…
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What’s your #money philosophy? At Sterk Financial, we design holistic, personalized strategies to help increase #investments, reduce #taxes and risk, optimize portfolio allocation, and create #income streams designed to last a lifetime. Our ultimate goal is to align your overall financial picture to support the life you want to lead. #moneyinaminut…
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What can we learn from #celebrity money mistakes? Have an updated will. #HeathLedger was an #AcademyAward winning #actor who failed to update an old will that was created before his daughter was born. As a result, his entire estate went to his parents and three sisters #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagemen…
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In this episode, “A Conversation About Gender Diversity with Marc Battle, Alan Thomson and Jeff Bushell, you will hear ASCY’s Nicole Colterman facilitate a conversation with Marc, Alan and Jeff as they dig into many layers of being male early childhood educators. Our three male guests will discuss the issues, challenges and perks of being male ECEs…
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What money really does is fund the things that we value in this life. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey delve into what creates your money philosophy and how to align your money with what matters most. Topics include:WorkFamilyExperiencesFinancial PlanningRetirementTravelFishingCharityStu…
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A fire can devastate you financially. In this episode of "Money Guide with Mary Sterk," Mary shares valuable tips on what to store and how to safeguard your records so you stay financially fire-proof. Topics include:Risk AdjustmentHomeowners InsuranceRenters InsuranceReplacement CostMedical CoverageEmotionDocumentsMarriage CertificateDrivers Licens…
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It's back to school time and college savings is on many people's minds. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss several ways to save for college on a tax favored basis. Topics include:529 PlanTax DeductionsTuitionBeneficiariesAllocationEarningsHigher EducationEducationFundingFAFSAPolicy…
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Even if you have laid out a great retirement plan, anxiety and indecision can still get in your way of taking the big leap. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey talk about four common planning pitfalls that can veer you off track, and provide creative solutions to help you move forward with …
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People often hear about long term market averages and wonder why their portfolio isn't producing the same results. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss ways to analyze your performance and holdings to try to boost your portfolio results. Topics include:OverlapPeer Group PerformanceMutual FundM…
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#Oprah says, “I've learned that yes, #wealth is a tool that gives you choices, but it can't compensate for a life not fully lived, and it certainly can't create a sense of peace within you.” We love this quote because it completely aligns with our #money philosophy at Sterk Financial - that the only thing money really does is buy you choices. #opra…
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Negotiating for assets is part of most divorces. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey will explain how assets differ in real value even if the monetary amount might look the same. Topics include:SettlementCollaborative DivorceAttorneyROTH IRAInvestmentsCapital Gains TaxTaxesProperty SaleHidden AssetsI…
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Dans l'épisode d'aujourd'hui "Une conversation sur l'importance du jeu libre avec Pierre Harrison", vous entendrez Nancy Baverstock d’ASCY avoir une conversation avec Pierre, un ambassadeur du jeu libre qui travaille à promouvoir le jeu libre comme une nécessité fondamentale pour une vie saine, engageante et épanouissante. Pour plus d'informations …
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In this episode “A Conversation About The Importance of Free Play with Pierre Harrison” you will hear ASCY’s Nancy Baverstock have a conversation with Pierre Harrison, who is a play ambassador that works to promote play as a fundamental necessity for a healthy, engaging and fulfilling life. For more information about Pierre, please visit www.playle…
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The Wall Street Journal featured Mary Sterk in a story about helping two sisters with their Estate Planning - listen to the podcast to hear how she worked with them to help figure out a way to minimize the impact of taxes. Topics include:WillFinancial Power of AttorneyHealthcare Power of AttorneyInheritanceBeneficiaryFuneralLife InsuranceLegacyReti…
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Here’s the thing: money doesn’t come with instructions. You need a path. You need a strategy. This explains the Sterk Financial motto in a nutshell: Plan. Protect. Grow.Securities and Investment Advisory Services are offered through Woodbury Financial Services, Inc., Member FINRA/SIPC. Insurance offered through Sterk Financial Services which is not…
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Are you ready to sell your business? For many people, your business is like your baby - and it's hard to part with it! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss critical components of a business sale - from determining the value to structuring the sale to managing family dynamics after th…
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Are you covered? Are you sure? A strong #insurance plan will make sure your risks are limited, or in some cases completely eliminated. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey explore how different types of #risk can affect your #financial situation, and how to make sure your risk gaps are adequ…
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In this episode “A Conversation With Heather Jackson About Being in Relationship with Materials”, you will hear ASCY’s Paola Hohenadel and Leslie Busija, have a conversation withThe Sunflower School’s executive director Heather Jackson about their materials research projects and their approaches to being in relationship with materials. The Sunflowe…
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The prospect of retiring raises some big fears. What if I run out of money? What if I have a major health issue? Are my investments set up right? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor, Kelsey Bankey, discuss strategies for retirement income to help you feel confident when you are ready to stop working. Top…
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In this episode “A Conversation About Singing and Music”, you will hear ASCY Professional Learning Consultants, Kim Burns and Leslie Busija, discuss the importance of singing to and with young children, along with some tips and strategies on how you can successfully add singing and music to early years settings.…
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You're getting married! Finances are a major part of your new union. Each person brings their financial background, money philosophies & spending habits into the new marriage. Good communication and planning is the key to a healthy financial future together. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Ban…
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Summer can get really expensive when the grandkids come to stay! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey offer some budget-friendly ideas to enjoy the lazy summer days with those grandkids you love - without breaking the bank! Topics include:GamesTreasure HuntScavenger HuntNatureParkMovie Marat…
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Managing your investment portfolio has a lot of moving pieces. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss key pieces of strong portfolio management and share strategies to avoid common pitfalls that investors commonly make. Topics include:Risk Tolerance LevelMorningstarMotley FoolStock Pic…
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Drowning in debt? Or perhaps you just want to get a better handle on how to manage the debt you have. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey present simple strategies to manage your debt in effective ways. Topics include:Home EquityStudent LoansDave RamseyDebt SnowballInterest RateExcel Spread…
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