This episode of Better Money with Elements Financial, discusses the difficult but important topic of financial emergencies. From unexpected expenses to job loss and everything in between, emergencies can happen to anyone.

Miranda is joined by Nick Burks, Success Coach with the Johnson County Employer Resource Network, who works hands-on with individuals in crisis to help them regain financial footing.

Together, they explore:

• Why money shame is so common and how to overcome it
• Common missteps people make under pressure and how to avoid them
• Smarter alternatives to high-interest loans or draining your retirement
• Local and national resources that can offer immediate relief

This episode offers guidance and support if you or someone you know is struggling.

Find more episodes at elements.org/bettermoney Reach out: bettermoney@elements.org Don’t forget to rate and review! The Johnson County Employer Resource Network was founded by the Johnson County Community Foundation and is operated by Aspire Economic Development + Chamber Alliance and provides Success Coaching to several Johnson County Indiana employers.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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The Better Money Podcast is back with a new miniseries! Join host Miranda Finley as she partners with the Elements Fraud Prevention Team to explore the latest fraud trends.

In this episode, Senior BSA and Fraud Analyst Shawn Adams shares his expert insights on romance fraud, red flags to look out for, and how online daters can stay one step ahead of fraudsters.

Listen to the full episode at elements.org/BetterMoney or your preferred podcast platform.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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Taking care of a senior family member can be an unknown territory for most. The help of a Senior Care Advisor can be an essential resource for families during a virtual decision-making process.

In this episode, Miranda is joined by Care Patrol Senior Care Advisor Clay Claborn to explore how advisors can aid the process. They discuss the role of a Senior Care Advisor, the personalized advice they provide, and much more.

To contact Clay, visit www.carepatrol.com or call him directly at 463-202-8453.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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In this episode, Miranda is joined by four different parents who offer practical tips, real-life examples, and age-appropriate financial strategies to ensure children grow up with a strong financial foundation.

They cover Essential conversations to have with your kids about money, effective activities to help children understand spending from a young age, financial products to prepare them for the real world and much more.

Miranda is joined by:

• Liz Wertz, Vice President, LPL Financial Advisor, Elements Wealth Management
• Eliza Claborn, Relationship Manager at Elements Financial
• Curtis Dodd, Relationship Manager at Elements Financial
• Michelle Payne, VP Marketing & Communications at Elements Financial

Portions of this podcast episode were recorded virtually, away from the podcast studio. Please be aware that there may be some differences in audio quality.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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During this episode, Miranda is joined by Indiana Attorney Kent Emswiller of Emswiller, Williams, Noland & Clarke, LLC to answer common questions regarding Estate Planning. During their conversation they cover what an Estate Plan is, the benefits of starting the process early, what information and documents you need to get started, and much more.

To contact Kent directly to start the Estate Planning process, he can be reached at 317-257-8787. Their website is also accessible at www.ewnc-law.com.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

During this podcast, legal examples will be discussed. This podcast is for informational purposes only and should not be considered legal advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. Please consult a licensed attorney regarding your own situation and prior to making any decisions.

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According to a recent survey conducted by Gallup, 61% of Americans are facing moderate to severe financial hardships due to the recent price hikes. If you are also struggling to cope with the current situation, then you might be looking for some guidance and support.

Terri Mossbrucker joins the podcast to share her insights and discuss the topic with Miranda. She is a member of the Elements Financial Asset Recovery department and is well-equipped to help educate others on financial hardships.

Terri has almost 30 years of experience in helping individuals with budgeting and finding solutions for difficult financial situations.

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Websites referenced in the episode:

Indiana Debt Relief: https://www.indianadebtrelief.org/

Indiana Hardest Hit Fund/Indiana Foreclosure Prevention Network: https://www.877gethope.org/

Statistics sourced:

More in U.S. Say Inflation Is Causing Financial Hardship

Americans Remain Discouraged About Personal Finances

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.

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On October 9, 2023 Elements Financial conducted their seventh annual Purpose Day - a day dedicated to giving back and serving the communities and causes we care about.

As part of the day, Elements employees heard from Jennifer Bartenbach, the CEO of the Central Indiana Community Foundation. During this conversation with Miranda, the two discuss the importance of giving back and the different ways you can do so.

This episode was recorded live in front of an audience and may vary in sound.

To learn more about Purpose Day 2023, visit elements.org/PurposeDay. To learn about CICF, visit cicf.org.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

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Miranda is joined by Andrew Chalko, the Chief Financial Officer of Elements, to discuss the causes and effects of inflation. They will explore the sectors that are most affected by inflation and provide tips on budget restructuring to combat it.

They'll also dive into the root causes of inflation, which businesses continue to be impacted, and practical ways to restructure your budget to mitigate its effects.

Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.

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