Generated by All in One SEO v4.9.4.1, this is an llms.txt file, used by LLMs to index the site. # Expressive Wealth Create Wealth and Joy for You and Your Family ## Sitemaps - [XML Sitemap](https://expressivewealth.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Life & Legacy Organizer](https://expressivewealth.com/life-legacy-organizer/) - Let’s Talk About Your Life & Legacy Organizer Talking about death is never easy. It’s a topic many of us avoid—but it’s an inevitable part of life. While we can’t control when it happens, we can take steps to ease the burden on the loved ones we leave behind. What is the purpose of your - [RMD Distribution Planning](https://expressivewealth.com/rmd-distribution-planning/) - Congratulations! You’ve reached that magical life milestone where the IRS comes knocking and asks you to start taking Required Minimum Distributions or RMDs from your IRA accounts. Now what? You’ve spent your entire life thinking of those accounts as untouchable assets and now you must take money out. Don’t fret – We can help you - [Thinking Divorce? Know Your Litigation Budget](https://expressivewealth.com/thinking-divorce-know-your-litigation-budget/) - Generally, a litigation budget is a document that outlines the estimated costs associated with a specific legal case. It helps attorneys and their clients plan and manage the financial aspects of litigation. It typically includes projections for attorney fees, court costs, expert witness fees, and other expenses related to the case. It can also include - [How To Negotiate A Divorce Settlement With Your Spouse](https://expressivewealth.com/how-to-negotiate-a-divorce-settlement-with-your-spouse/) - Once you and/or your spouse have decided to file for divorce, know at some point there will be negotiations. We have included some simple steps for how to negotiate a divorce settlement with your spouse. Establish Open Communication: Sit down and discuss the situation openly and honestly with your spouse. Be sure to listen to - [What to Do When You Receive a Sudden Windfall: How to Make Smart, Lasting Choices](https://expressivewealth.com/what-to-do-when-you-receive-a-sudden-windfall-how-to-make-smart-lasting-choices/) - An inheritance. A legal settlement. A big bonus. A property sale. There are many ways a sudden influx of money can arrive in your life—and while it may feel exciting at first, it often brings stress right alongside it. When you receive unexpected cash, it can feel like the possibilities are endless, but so is - [Rates Rise, Values Fall – Where are we now?](https://expressivewealth.com/rates-rise-values-fall-where-are-we-now/) - Following the 2022 market, when nothing seemed to work and equities and fixed income moved in the same direction – DOWN - I read with great interest about the declared death of the balanced portfolio, particularly the 60/40 portfolio. Now in the recent press, it seems the 60/40 patient wasn’t dead after all, the balanced - [Covering Your Bases](https://expressivewealth.com/covering-your-bases/) - Ahhh, spring! A time when the world seems to start anew. Trees are budding, flowers are blooming, animals are building little nests for their young’uns, gardens are being planted, houses are being cleaned, and investors are covering their financial bases. Yes, just as in our beloved national pastime, baseball, there are financial bases of Plan, - [Magnificent Munis](https://expressivewealth.com/magnificent-munis/) - The fixed income market is in transition as we are on the eve of the Federal Open Market Committee’s (FOMC) September meeting where it is anticipated, no – it is expected, that the FOMC will reduce rates for the first time since 2020. As investors, it is important to understand what rate the Fed controls, - [Legacy and the Elves](https://expressivewealth.com/legacy-and-the-elves/) - It’s that time again! The holidays …. The most wonderful time of the year. A time for holiday parties, family gatherings, gift giving, and hearts full of joy. A time for treasuring our past and looking to the future. I, for one, have always loved this time of year. Not for Jack Frost nipping at - [Bye Bye and Buy Bonds](https://expressivewealth.com/bye-bye-and-buy-bonds/) - “Bye Bye and Buy Bonds” was a sign often used by Bob Hope during World War II. It was a promotion to buy U.S. Savings bonds to help fund the war effort. Catchy phrase, I think. As we enter the era of a new administration, which has brought uncertainty and volatility to the markets, we - [How to Plan Your Best Summer Vacation](https://expressivewealth.com/how-to-plan-your-best-summer-vacation/) - Summer vacation is about exploring new places, experiencing all of the attractions and having spontaneous fun. But before you head out the door, you should have a budget plan in place. There is an easy way to budget for your vacation. In addition to pre-purchasing certain expenses like accommodation and travel, consider budgeting 20% extra - [Fun Financial Literacy Games for the Whole Family](https://expressivewealth.com/fun-financial-literacy-games-for-the-whole-family/) - With summer in full swing, you are most likely spending quality time with your family. While taking advantage of this time together, why not take a moment (or two) to have a little fun AND teach your kids about financial literacy? It is never too early for your kids to learn about earning, saving, spending, - [Align Your Leadership Style With Your Values](https://expressivewealth.com/align-your-leadership-style-with-your-values/) - When you hear the word "values," you probably think of some personal examples, such as discipline or perseverance. Go one step further and consider leaders you admire. What values were behind the notable decisions they made or memorable actions they took? Were those values in alignment with their choices? As a leader, I strongly believe - [Having It All: How to Achieve Your Financial & Career Goals](https://expressivewealth.com/having-it-all-how-to-achieve-your-financial-career-goals/) - Did you know that in the early 1900s, only six percent of married women worked outside of the home? It wasn’t until the First World War that women joined the workforce in masses, only because the men were needed in the armed forces. Fast forward to a century later, women today represent 58.4% of the - [Big Beautiful Bill Overview](https://expressivewealth.com/big-beautiful-bill/) - PRO BUSINES & INVESTORS SALT Deductions Increased from 10k-40k phasing out for individuals making 250k or more Estate Exemption Increased to 15mm per person adjusted for inflation QSBS - Qualified Small Business Tax Tax shelter up from 10mm to 15mm Gross asset test raised to 75mm New partial exclusion available from 3-5years Opportunity Zones Enhanced - [Single Stock Exposure—How Much is Too Much?](https://expressivewealth.com/single-stock-exposure-how-much-is-too-much/) - With the equity markets continuing to rise, we are seeing more and more individual names soar quicker than ever. This is causing net worths to skyrocket while potentially leaving portfolios imbalanced. Throughout my years working with clients, I have seen individuals that have made their fortune with one stock (YES, mega cap tech), and I - [Equity Compensation – How does it Affect your Wealth Strategy?](https://expressivewealth.com/equity-compensation-how-does-it-affect-your-wealth-strategy/) - Whether you are c-suite executive or high performing employee working in tech, finance, media or healthcare chances are a portion of your total compensation is not only cash but in some form of equity.More and more companies are incorporating equity into compensation packages as a powerful way to reward top talent, promote collaboration across teams, - [Market Note](https://expressivewealth.com/market-note/) - Dear Investors & Friends,The summer was fiery for sure, giving us a bit of everything from tech enthusiasm, Fed speeches that pushed the market to new highs and inflation giving us mixed signals about whether it is truly under control or it is hiding amid the summer fun.With a new season and school starting up ## Pages - 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[Media / Resources](https://expressivewealth.com/media-resources/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.21.2″ _module_preset=”default” background_color=”#E8E8E8″ background_enable_image=”off” custom_padding=”120px||0px||false|false” custom_padding_tablet=”71px||0px||false|false” custom_padding_phone=”44px||0px||false|false” background_last_edited=”off|desktop” background_enable_image_tablet=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”4″ make_equal=”on” _builder_version=”4.21.2″ _module_preset=”default” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://expressivewealth.com/wp-content/uploads/2023/08/Resources_Hero-Image_001.webp” title_text=”Resources_Hero Image_001″ _builder_version=”4.21.2″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” custom_margin=”50px||16px||false|false” custom_margin_tablet=”50px||16px||false|false” custom_margin_phone=”50px||16px||false|false” custom_margin_last_edited=”on|desktop” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” global_colors_info=”{}”]What Is Your Wealth Management Strategy?[/et_pb_text][et_pb_text _builder_version=”4.21.2″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” custom_margin=”||60px||false|false” - [Kaitlin Martinez](https://expressivewealth.com/kaitlin-martinez/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|off” admin_label=”Advisor’s Bio” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”100px||100px||true|false” custom_padding_tablet=”70px||70px||true|false” custom_padding_phone=”51px||51px||true|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”10px||||false|false” global_colors_info=”{}”][/et_pb_divider][et_pb_text _builder_version=”4.27.4″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” text_text_color=”#194868″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]With 15 years working in wealth management in New York City, spending most of my time with JPMorgan - [Lauren Genuardi](https://expressivewealth.com/lauren-genuardi/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|off” admin_label=”Advisor’s Bio” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”100px||100px||true|false” custom_padding_tablet=”70px||70px||true|false” custom_padding_phone=”51px||51px||true|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”10px||||false|false” global_colors_info=”{}”][/et_pb_divider][et_pb_text _builder_version=”4.27.4″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” text_text_color=”#194868″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]Predictable in the best sense of the word, I bring a calm, level-headed presence to even the most - [Privacy Policy](https://expressivewealth.com/privacy-policy/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”|700|||||||” header_text_color=”#253958″ header_line_height=”1.5em” header_2_text_color=”#253958″ header_2_line_height=”1.4em” header_3_font=”–et_global_heading_font|–et_global_heading_font_weight|||||||” header_3_text_color=”#253958″ header_3_line_height=”1.4em” global_colors_info=”{}”]Privacy Policy Rev March 1, 2024 Facts WHAT DOES EXPRESSIVE WEALTH LLC DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the - [Stephanie Morawski](https://expressivewealth.com/stephanie-morawski/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|off” admin_label=”Advisor’s Bio” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”100px||100px||true|false” custom_padding_tablet=”70px||70px||true|false” custom_padding_phone=”51px||51px||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”10px||||false|false” global_colors_info=”{}”][/et_pb_divider][et_pb_text _builder_version=”4.27.4″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” text_text_color=”#194868″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]Welcome — I’m so glad you’re here! My journey into wealth advising began after - [Darlene Duncan](https://expressivewealth.com/darlene-duncan/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|off” admin_label=”Advisor’s Bio” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”100px||100px||true|false” custom_padding_tablet=”70px||70px||true|false” custom_padding_phone=”51px||51px||true|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”10px||||false|false” global_colors_info=”{}”][/et_pb_divider][et_pb_text _builder_version=”4.27.4″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” text_text_color=”#194868″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]Welcome — I’m so glad you’re here! I’m excited to share my journey in the financial - [Vanessa Martinez](https://expressivewealth.com/vanessa-martinez/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”on|on|off” admin_label=”Advisor’s Bio” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”100px||100px||true|false” custom_padding_tablet=”70px||70px||true|false” custom_padding_phone=”51px||51px||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”1_2″ _builder_version=”4.21.2″ _module_preset=”default” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”10px||||false|false” global_colors_info=”{}”][/et_pb_divider][et_pb_text _builder_version=”4.27.4″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” text_text_color=”#194868″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]The question I get asked most often: “Is my portfolio at the amount it - 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[Quiz](https://expressivewealth.com/quiz/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” background_image=”https://expressivewealth.com/wp-content/uploads/2023/05/bg-1.jpg” custom_padding=”||6px|||” background_last_edited=”on|desktop” background_enable_image_tablet=”off” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” make_equal=”on” _builder_version=”4.21.0″ _module_preset=”default” width=”52%” width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” max_width=”1170px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”09a1d0ea-1ff6-4b27-9fc3-edfc816a194a” header_2_text_align=”center” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Uncover Your Expressive Wealth™[/et_pb_text][et_pb_text _builder_version=”4.22.0″ _module_preset=”4b67c2d5-4c05-49c4-afea-3acfed99123e” text_orientation=”center” global_colors_info=”{}”] Quiz Please Add Your Gender * Female Male Other Write your Gender: List Your Age * 18-25 26-38 39-47 - 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