top of page

Profile

Join date: Apr 21, 2022

About

I'm Michelle, and I began blogging to capture the common concerns I hear from my financial planning clients. I write about money-related topics with commonsense tips that most anyone can implement. I'm especially passionate about sharing ideas that will help empower women to take control of their money lives and become financially independent.


If you've ever wondered:

“Am I saving enough to retire or slow down at work when I want to?”

“Is it going to be possible to retire and help my kids go to college?”

“Should I be worried or doing something differently given all the market volatility?”

“How am I supposed to make sense of my employer’s stock compensation and other benefits?”


You’ll find that you’re not alone! I'm always open to suggestions on what to write about—just drop me a line.

Posts (186)

Dec 13, 2025 ∙ 4 min
Your Retirement Paycheck: Designing a Tax-Efficient Withdrawal Strategy
One of the most important financial decisions in retirement isn't just how  much to withdraw—it's where  to withdraw it from. After decades of saving, the focus shifts from accumulation to distribution. And if you're like many women nearing retirement, you're wondering: How do I create a steady paycheck from my savings while minimizing taxes and preserving flexibility? A tax-efficient withdrawal strategy helps ensure your money lasts. It allows you to maintain lifestyle choices, control...
0
0
Dec 10, 2025 ∙ 3 min
The 2025 Money Journal: What Worked, What Didn’t, and What Matters Most
As the year winds down, it’s tempting to rush straight into 2026—new goals, new habits, new lists of things we swear we’re going to do differently. But before you leap forward, there’s something far more valuable (and grounding) you can give yourself: a moment to look back. This is your opportunity to pause and write down what worked, what didn’t, what surprised you, and what you want to carry with you into the new year—without judgment. The more consistently you do this, year after year, the...
7
0
Dec 6, 2025 ∙ 4 min
How the 2025 Tax Brackets Could Influence Your Financial Plan
Here in Colorado, many of the women and families I work with have been asking how the 2025 tax brackets might impact their long-term planning. This comes up often during fall and winter reviews, especially for clients navigating new compensation levels, bonuses, or employer equity. It might sound boring, but I genuinely love helping clients understand how small shifts in income or deductions can open the door to smarter retirement strategies and tax-efficient decisions. If you want to see how...
6
0

Michelle Francis

Admin
More actions
bottom of page