Brand Leaders

Are you a subject matter expert, leader or entrepreneur ready to expand your influence but unsure how to position yourself for the next level.

Hi, I’m Michelle, a speaker, author, advisor and founder of Brand Leaders, a professional branding and LinkedIn visibility training platform. 

I help experts, leaders and teams position their personal brands, grow visibility on LinkedIn, and become in-demand authorities in their industries. 

Your personal brand should be your business advantage, but it needs a foundational strategy and plan first. That's why I created my Own Your L.A.N.E. framework to make so you're clear, credible and competitively advantaged in your field:

OWN YOUR LANE. OWN YOUR FUTURE. 

After years of watching brilliant professionals stay overlooked, I created the Own Your L.A.N.E.™ System, a proven roadmap for business development. 

L – Launch Your Vision (Purpose)
A – Assert Your Difference (Positioning)
N – Navigate Your Brand (Presence)
E – Elevate Your Authority (Proof)

Because when you’re clear on who you are and how you show up…

The right people find you
The right opportunities follow
And you become known for what sets you apart

I speak, teach & advise experts, leaders, teams and audiences to:

✔ Position and differentiate your expertise into a recognizable brand
✔ Grow a consistent presence and build influential relationships on LinkedIn®
✔ Elevate your authority through speaking, media and PR opportunities

👉 CASE STUDIES: MichelleBGriffin.com/results

TOPICS 
> Own Your Lane™ The Recognition Roadmap
> LinkedIn® Personal Branding for Experts, Leaders & Teams
> Brand is The New Demand 

Learn more about me in the About section.

LET'S CHAT
Book a call to learn more: 👉 MichelleBGriffin.com/chat

 I look forward to meeting you!

Own Your Lane™ - Personal PR/Personal Brand Speaker, Workshop Facilitator + Masterclass Presenter 

Brand Leaders® - Powered by Own Your Lane® helps subject matter experts and expertise business owners clarify their brand positioning, simplify their message and amplify their visibility to win clients and land PR opportunities.

Brand for Business Speaking, Advising and Workshops

Innovation Women

Innovation Women is a visibility bureau connecting event managers to women speakers. Our goal is gender-balanced panels and equal visibility opportunities for women. Join us on a FREE Speaker Friends Friday Zoom session: https://innovationwomen.com/events/speaker-friends/

My Innovation Women Profile: https://speaker.innovationwomen.com/users/15203
To book me as a speaker: https://michellebgriffin.com/speaking or email michelle@michellebgriffin.com

Member and National Speaker

Michelle B Griffin Speaker & Author

Own Your Lane®  is the go-to podcast for experts and leaders who are ready (but may struggle) to position their brilliance, clarify their message, and grow their visibility for next-level opportunities.

Host, Own Your Lane® Podcast

As a LinkedIn™ personal branding & PR expert, I speak, teach, educate, and host in-depth workshops for organizations, groups, and teams. My authority-personal branding-focused presentations focus on positioning profiles, presence, and publicity to align with brand and business goals. 

Need a Speaker, Workshop Facilitator, Expert Quote, or Podcast Guest? Let's chat about how I can support you and your event/ team/group. I'd love to learn more about your goals and how I can partner with you. Please get in touch here or via LinkedIn DM.

LinkedIn® Personal Branding, Professional Visibility Speaker, Educator & Workshops

Personal Branding Books to Help You Get Visible and Grow Your Industry Presence—My personal branding books teach you to get visible, own your value, and confidently grow your professional presence for next-level industry opportunities.

The LinkedIn Branding Book helps you build your personal and business brand on LinkedIn for exponential growth. PLUS, a 50-page action-taking (online fillable) companion Brand Squared Workbook™ is included with the book.
https://michellebgriffin.com/books

Own Your Lane® books series are your personal branding and visibility acceleratosr, designed to help you take charge of your presence and become the go-to authority in your field.

Too many talented professionals—especially women—remain unseen, not because they lack skill but because they struggle to communicate their value and gain the visibility they deserve.

Through the actionable, four-step L.A.N.E.™ system, these books will teach you how to confidently step forward, articulate your unique strengths, and get recognized for your expertise. Learn more at  OwnYourLane.io.

Author - Personal Branding, PR, LinkedIn® Presence, Professional Visibility

With a mantra of "Put Yourself Out There to Own Your Lane and Own Your Future," I believe professional visibility is a powerful form of economic leverage and business growth, leading to industry opportunities, increased impact, and higher income for professionals and organizations.

As a PR, personal branding, and LinkedIn visibility speaker and educator, I empower and equip professionals, and especially women in business, to confidently set themselves apart, step into the spotlight, and seize next-level opportunities in a crowded field through my Own Your Lane® learning platform and book series,

Book me to Speak, Facilitate a Workshop, Guest On Your Podcast, Contribute To Your Publication, and/or Moderate a Panel.

Speaker Inquiries and Bookings

Let's chat about how I can support you and your event/ team/group. I'd love to learn more about your goals and how I can partner with you. Please contact me via my inquiry form or book a chat at MichelleBGriffin.com or via LinkedIn DM.

Thought Leadership Branding Speaker, LinkedIn Visibility Strategist and Workshop Facilitator

As a PR and personal branding speaker, author, and LinkedIn visibility expert, I love empowering audiences to get visible for their next level. 

I guest weekly on podcasts, LinkedIn Audio, Livestream, and YouTube shows and speak/host group training and workshops on personal branding and LinkedIn to build your professional presence and opportunities. 

Watch/listen and see more here: https://michellebgriffin.com/media

Let's Connect
Need a Speaker, Expert Quote, or Podcast Guest?

Let's chat about how I can support you and your event/ team/group. I'd love to learn more about your goals and how I can partner with you. Please contact me via my inquiry form or book a chat at MichelleBGriffin.com or via LinkedIn DM.

Podcast Guest, Personal Branding, PR, LinkedIn® Presence and Professional Visibility

Join 1,700+ global professionals who are getting visible to build and boost their personal brands. The P.Y.O.T. Community - Put Yourself Out There Community to Build & Boost Your Personal Brand will help you become clear, confident and consistent on LinkedIn. Join us as we ramp up our personal brands, expand our connections, and build meaningful communities on LinkedIn. You'll find peer support, accountability, training, and tips on LinkedIn and personal branding. 

NOTE: This is NOT an engagement pod
Join us; it’s free: 👉 https://michellebgriffin.com/pyotcommunity

Founder, P.Y.O.T. - Put Yourself Out There Community to Build & Boost Your Personal Brand

StandoutWomen.org is a movement to grow visibility, personal brands, and thought leadership for women in business and women in leadership. Our mission is to empower impact-driven women to position themselves as industry leaders and create meaningful opportunities.

Whether you’re an entrepreneur, leader, or professional, we provide tools, training, and events to support your journey of standing out and stepping up—all through the lens of the Own Your Lane®: Personal Branding framework. Learn more at StandoutWomen.org.

StandoutWomen.org - The Personal Branding Movement For More Standout Women in Business & Leadership

THE LINKEDIN™️ BRANDING COMMUNITY by #MichelleSquared

The LinkedIn Branding Book: The Power of Two: How to Double Your Personal and Business Brand for Exponential Growth by #MichelleSquared, Michelle B Griffin and Michelle J Raymond, is now available on Amazon in Kindle, paperback and hardcover editions. PLUS, a 50-page action-taking companion Brand Squared Workbook™ is included with the book.

Co-Author, The LinkedIn Branding Book

The top-ranked podcast, The LinkedIn Branding Show, hosted by #MichelleSquared, Michelle B Griffin and Michelle J Raymond, empowers professionals, entrepreneurs, experts, and small business owners to stand out and rise up as they build personal and business brands on LinkedIn. New episodes drop every Thursday on your favorite podcast platform.

Co-Host, The LinkedIn Branding Show Podcast

The Power of Two to Double Your LinkedIn Growth with our new book, top-ranked podcast and supportive community. Join Michelle B Griffin and Michelle J Raymond, aka #MichelleSquared, for fun events, real conversations, and actionable takeaways with a community of impact-driven professionals ready to rise up and stand out on LinkedIn as a powerful force of good. Join us and learn more at MichelleSquared.com

Co-Founder, The LinkedIn Branding Community

Windstorm Insurance Network, Inc.® - Property/Windstorm Insurance Claims Industry Member Association

The Windstorm Insurance Network (WIND) is a B2B national association for the property insurance claims and legal industry. Through professional development, continuing education, and annual conferences, the group is the leading provider of industry insights for the property/windstorm insurance claims industry, property/windstorm insurance service providers, and industry consultants. 

As the association's executive director, I oversaw the day-to-day management and marketing of the Windstorm Insurance Network, Inc. and the annual Windstorm Insurance Conference, a 2,000-person international conference. 

My duties included strategic business development, marketing communication planning, event marketing, team management and member experience management. Specific personal skills include digital marketing, inbound/content marketing, email marketing, social media marketing/outreach, branding strategy, copywriting, website design, WordPress management, and conference/event planning and marketing.

Executive Director

As the lead marketer, I managed a team to plan, promote and host the annual (WIND) Windstorm Insurance Conference, which attracted nearly 2,000 attendees each year from across the U.S. and internationally. 

Under my leadership, membership grew at a steady rate of 1,000 members and conference attendance and revenue targets exceeded goals. 

As the lead event marketer, I also managed, promoted regional and one-day events and continuing education seminars and presentations across the U.S.

Event Marketing Director

Positioning Women Experts Into Visible Authorities┃Personal Brand, PR & Thought Leadership Strategist & Coach to Own Your Lane With More Visibility, Impact & Income┃Author┃Speaker┃80s Music Fan┃Own Your Lane™ Book 10/15

Hi, I’m Michelle. I transform hidden experts into visible authorities and so glad you’re here. 

If you've ever struggled to explain what you do, felt overlooked despite your expertise, or missed opportunities you knew you were perfect for, you're not alone—and you're in the right place.

After seeing brilliant experts stay invisible because they believed their work would speak for itself, I created the Own Your Lane™ Recognition Roadmap to help you become the go-to authority in your field.

THE OWN YOUR LANE™ SYSTEM

L – Launch Your Vision (Purpose)
A – Assert Your Difference (Position)
N – Navigate Your Brand (Package)
E – Elevate Your Authority (Promote)

OWN YOUR LANE. OWN YOUR FUTURE.
My mission is to position you for success. I speak, train, and advise experts and leaders—especially women in business—who are ready to be seen, heard, and sought-after. Together, we chart your one-page personal branding roadmap to give you the clarity, confidence, communication and competitive edge for business growth. 

Why this matters: You stop comparing yourself to everyone else. You gain the positioning, words and strategy to know who you are, what makes you different and a repeatable way to talk about what you do — in person, online, in meetings — anywhere decisions are made.

My clients have gone from “one of many” to “the one” -- booked on TEDx & industry stages, featured in top media, published best-selling books & effortlessly growing thought leadership on their terms. 

Now it’s your turn…

WORK WITH ME
> Own Your Lane™ Speaking & Workshops 
No hype, just help. Experiential sessions with clarity, tools & action

> Own Your Lane Roadmaps & Advising 
Let's chart your one-page plan for next-level goals and opportunities

👉MichelleBGriffin.com/RESULTS

ABOUT ME
With 20+ years in branding, PR & executive leadership, I’ve helped Fortune 500s, startups and global thought leaders sharpen their message, elevate visibility & grow their businesses.

• TEDxFSU Speaker, April 2025
• Forbes, Entrepreneur, Inc. & Authority Featured 
• 2x Author, Position Yourself & The LinkedIn® Branding Book 
• 2x Podcast Host, Own Your Lane™ & The LinkedIn™ Branding Show
NEW: Own Your Lane™ Book publishing soon

“Live in the moment” is my mantra; find me outdoors with an ’80s playlist, meeting new people and exploring new places.

🎧 FREE RESOURCES
Grab my LinkedIn Visible Training + Go Your Own Way Playlist 
👉MichelleBGriffin.com/QUICKLINKS

READY TO OWN YOUR LANE?
👉Visit MichelleBGriffin.com - let's chat on how I can support you best.

MICHELLE B GRIFFIN

One thing we need more of this year...LIVE experiences...online and in person...

From guesting to hosting your own, being IN THE MOMENT and connecting with LinkedIn members globally helps you own  your stage and narrative.

Shout out to Lydia Rosencrants Robin Wilson Tucker, MBA, NCOPE as well as well as Beth Anne Campbell, phenomenal LinkedIn Live Show Hosts, who I'll be guesting this month. 

I'll admit....

 I almost dropped off hosting LinkedIn Lives, which I started here in June 2021, as they seem to have dropped, but that's the point: when others zig, you should zag.

After going silent for months, I renewed my Restream account. 

It's showtime...

Coming soon, my monthly Own Your Lane Live show
Topics I'm thinking will land well:

• Being Found In AI Search
• The Knack for Substak
• PR for Experts/Personal Brands
• How We Landed Our TEDx Talk
• How We Branded This. 
• How To Be a Great Podcast Guest
• And Your Ideas, too?

🎤 OVER TO YOU:
👉 Please share the hosts who are livestreaming. 
I'd love to watch and learn. 
Or suggest topics you'd love to see LIVE


Happy 2026!
💛 Michelle

 #PutYourselfOutThere  #OwnYourLane #ShesVisible  




I

Women’s Leadership Speaker & Brand Strategist | Positioning Your Brilliance For Recognition In Your Career, Business & Industry | Founder, She’s Visible™ | TEDx Speaker & 2x Author

I Help Professionals & Organizations Streamline Systems, Elevate Visibility on LinkedIn, and Increase Profit Through Process Excellence

View Robin Wilson Tucker, MBA, NCOPE’s profile

Join Lydia Rosencrants and me as we kick off the New Year with the January edition of #LinkedInLeaders. Our special guest will be MICHELLE B GRIFFIN, Women’s Leadership Visibility Speaker & Branding Strategist & Creator of The Recognition Roadmap™.

LinkedIn Leaders Achieving Remarkable Success with Michelle B. Griffin

Designing Work-Optional Lifestyles for Women & Couples with Dynamic Financial Plans | Financial Consultant for Executives & Business Owners in Sports & Tech | Financial Wellness Speaker

Most financial advice wasn’t made for women with full lives.
It was made for simplicity, and usually, for men.


The people I work with aren’t starting from zero. They’re earning well, making smart choices, and juggling a lot of moving parts - work, family, and future plans all at once.

Some make financial decisions on their own, others share them with a partner. Either way, they want to see how it all fits together and feel confident that the choices they’re making now won’t limit their options later.

I’m Renee Cohen, CFP®, founder of Nexa Wealth, a life-first financial planning firm for women in their 40s and beyond, and the partners who plan life alongside them.

I started Nexa because I was tired of watching capable women follow generic advice that ignored their real lives. Money touches every choice: career shifts, equity compensation, real estate, caregiving, stepping back or leaning in and each one deserves context.

My role is to be your steady partner in decision-making:

• To make complex choices feel clear and manageable
• To help you weigh trade-offs without judgment
• To keep your plan flexible enough for both now and later

Together, we build a living financial roadmap that evolves with you, so you can move forward knowing every dollar has direction and every decision has perspective.

My clients describe me as calm, direct, and easy to talk to. I’m here to help you think things through, not judge your past decisions or tell you what you “should” do.

Most of the people who find me don’t have the time or desire to become experts about money.
They just want someone they can trust to make sense of it all, explain things clearly, and help them make smart choices without turning it into a second job.

If that sounds like you, and you’d like a partner who helps you make confident financial decisions without putting life on pause, you can reach me here or at nexawealthplanning.com.

Renee Cohen, CFP®

My brain is still buffering.

Week one of 2026 is done.

I've opened the same email three times without reading it.
I wrote 2025 on a client wide message I sent yesterday.
My to-do list looked at me and laughed.

Somewhere along the way, we decided that "back to work" means "immediately performing at peak capacity."

That's not how humans work.

But I showed up. The work got done.
Just maybe not at full speed and that's okay.

If your first week back felt more "survival mode" than "CEO mode".  Same.

We made it. That counts.

Happy Friday. 💙

→ What's the most "week one" thing you did this week?

Renee Cohen CFP®

Financial planning that puts life first | Partnering with women and couples to make confident money decisions | Founder, Nexa Wealth

“Okay, maybe a dumb question…”


“Don’t you just make money off managing investments?”

She said it halfway through our intro call.

Fair question.
You’ve probably wondered it too.

I hear that all the time.
And I don’t blame you.

The industry hasn’t done a great job of explaining how this actually works.

So let’s break it down.

Financial advice has often been pitched as a “free perk” if you buy a product:

A mutual fund.
An annuity.
An insurance policy.
(Take your pick.)

But the advice?
It’s not really free.
It’s just buried in the fine print or baked into a commission.

So the real question becomes:

Was that advice truly in your best interest
or was it about meeting someone else’s sales quota?

That’s why I charge for advice first.

When you’re paying for a plan,
you know the recommendations are built around your life, goals, and values,
not what someone’s trying to sell you.

And yes, sometimes we implement investments or insurance too.
But that comes after the strategy is clear, not before.

And when we do place a product?
It’s because it fits your plan.
Not because there’s a bonus attached.
Not because it’s the “recommended option” from a brokerage firm.

Financial planning should feel like clear, unbiased guidance across all the pieces of your financial life.

If no one’s ever walked you through how this works, that’s not on you.

This industry hasn’t always been transparent.
But you don’t have to stay in the dark.

You deserve to know who’s truly in your corner
and who’s working off a commission.

📌 What’s one thing you wish you understood more about working with a financial advisor?

My nephew checking his inbox during the holidays.

Zero unread.
Full focus.
Very serious business.

I unplugged for the holidays, but my inbox didn't get the memo. 847 emails waiting.

Hope your holidays were filled with good food, good people, and maybe even some real rest.

The kind where you actually put the phone down and didn't feel guilty about it.

Now back to reality. 😅

But I'm back now and glad you are too. Happy 2026.

What does your inbox look like this week? Clean or chaos?

Financial planning for women | Real conversations about money for women in their 40s and 50s | Financial Planner + Founder, Nexa Wealth

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The biggest drain on your money usually isn’t what you’re spending.


It’s the mental load of carrying all the decisions at once.

Not the obvious, one-time choices.
The ongoing ones that never really turn off.

Should I change this now?
Am I missing something?
Is this still the right move given everything else going on?

What wears my clients down isn’t lack of discipline.
It’s having too many moving parts living in their head at the same time.

This week alone, that showed up in a few different ways.

One client is moving overseas.
Exciting, yes. But it comes with layers of decisions around what happens to her accounts, what can stay in the U.S., what needs to change, and how to handle taxes without creating problems later.

Another client has several big expenses coming up at once, all competing for the same dollars.
The question wasn’t whether she could afford them.
It was how to prioritize them without putting unnecessary pressure on cash or derailing what she’s building.

And another client inherited a large stock position years ago.
It’s now a big part of her net worth, right as she’s planning a major home renovation.
So we had to think through diversification, taxes, timing, and how to fund the renovation without everything feeling tangled together.

This is the part of money work most people don’t see.

It’s not one decision.
It’s how every decision touches several others.

A big part of my role isn’t telling clients what to do.
It’s helping them get everything out of their head and onto the table.

We look at how the pieces connect.
We talk through trade-offs.
And we make decisions in a way that fits their life.

That’s the kind of work I do with clients, and I don’t open it all the time.
I do have two spots for my 3-month planning work right now.

If you want to talk through whether it’s a fit, just DM me.

Some of the costliest money decisions don’t look risky when you’re making them.


They look reasonable.
It’s the choice that lets you move on and get back to your life.

When clients come to me, this is usually where they are.

They haven’t made some obvious “big” mistake. For the most part, they’ve been making “good moves”. 

But they’re carrying a lot of decisions at once, and decisions feels like it impacts five other things. 

Something that worked a few years ago may not be working the best now. 

Using cash for one thing changes what’s available later.

Moving investments affects taxes and timing in ways that don’t show up right away.

Because nothing feels wrong in the moment, it’s so easy to keep going as is. 

By the time we talk, they’re usually overthinking the same questions.
And wondering if they missed something.

This is the point where I slow things down.

I don’t start by fixing anything.
I start by separating the questions that have been competing with each other.

What needs attention right now.
What can wait without causing a mess later.
And what decisions would limit you in if you made them too soon.

Once those pieces are no longer tangled together, their decisions start to feel easier to make.

Because the client isn’t trying to solve her entire financial life in one conversation anymore.

She’s deciding the next right thing, with the bigger picture present.

Most of the time, there isn’t something wrong with your money.

You’re just carrying more decisions than you should have to on your own.

And that’s usually when money starts to feel reactive, instead of something you can actually see and steer.

“I know it’s dumb, but I still feel like I’m not where I should be.”

I hear this every week.
Usually from women with more money than they’ve ever had.

You may not have said it out loud.
But you’ve probably thought it.

“I should be further along by now.”

Further along than who?

An article that says you need $3M to retire?
A calculator that doesn’t know your life?
A coworker who talks big but has no real plan?

The goalpost keeps moving because it was never yours to begin with.

What’s usually missing isn’t money.
It’s a definition that actually fits.

Most people aren’t behind.
They’re measuring against someone else’s formula.

Instead of asking “Am I on track?”
Try asking, “What does enough actually look like for me?”

→ Anyone else feel this way right now?

In your peak earning years, this feeling is common.

You're earning more than you ever have.
And yet money doesn't feel simpler.

You thought higher income would bring relief.
More confidence.
A sense that you were finally "there."

Instead, the questions got harder to answer.

This is usually when money stops being a math problem and starts becoming a decision problem.

Every choice affects something else.
Saving affects spending.
Spending affects flexibility.
Work affects energy.

Nothing exists in isolation anymore.

In your 40s, you're often carrying more at the same time.

Career expectations.
Family needs.
Future planning.
Your own health and bandwidth.

So money isn't just about growth.
It’s about support.

And that shift can feel unsettling if no one names it.

Many women I talk to assume this discomfort means they're doing something wrong.
Maybe not saving enough.
Maybe not thinking far enough ahead.

But that's rarely the issue.

More often, it means your income has outgrown the way you're thinking about money.

You're using old questions for a much more complex season of life.

Clarity at this stage doesn't come from chasing the "right" move.

It comes from understanding what your money needs to do for this phase of your life and what it doesn't.

If money feels heavier now than it used to, that's not failure.

It's a sign that your growth requires a different perspective.

→ Anyone else feel like the questions got harder, not easier?

“New year, new me.”
(The lie we tell ourselves every January.)

I don’t really have a morning ritual.
No cold plunge. No 5am journaling. No vision board.
I just start.

Some years I hit January running.
Other years I’m still mentally on the couch, halfway through a Netflix binge.

This year, I’m somewhere in between.

I keep seeing every January:

The pressure to have it all figured out by week one is another way to feel behind.

I see it show up with money, too.

The urge to treat January like a hard deadline.
New goals. New systems. All at once.

One client finally started her business at 51.
She didn’t launch in January.
She launched in March after two false starts and changing her mind more than once.

Another client left her marriage and rebuilt her finances from scratch.
It took her until April to open her new accounts.

Most meaningful financial moves don’t always happen because the calendar flipped.

They happen when someone finally has the space to look at things honestly and decide what actually matters next.

January isn’t magic.
It’s literally a calendar page we assign a lot of pressure to.

The reset happens when you’re ready.
Not when the date tells you to be.

If you’re still easing back in this week, that’s fine.
If you’re already in full work mode, also fine.

There’s no right pace.
Just the one you’re actually in.

→ Are you fully back or still mentally on vacation?

You can think you’re “on track”
and still feel unsure where it’s headed.

At some point, “Am I on track?” stops being a yes-or-no question.

You’re doing what you were told was responsible.
And yet, something doesn’t sit right.

Most advice makes this feel simple.

Hit the number and you’re fine.
Miss it and you’re behind.

But a lot of women I talk to have solid numbers.
They still don’t feel settled about where things are going.

That’s because being “on track” isn’t really about how much you’ve saved.

It’s about where all of this effort is actually leading.

You can make good decisions for years
and slowly realize you’re building toward something you never really chose.

In your 40s, this gets harder to ignore.

Career decisions are more impactful.
Family needs change.
Time and energy matter more than they used to.

One reasonable choice quietly shapes the next.
And changing direction starts to feel more costly than it once did.

So maybe the more useful question isn't
"Am I saving enough?"

It's whether the way you're using your money is still supporting the life you want now.
Not just the plan you set five years ago.

One keeps the plan intact.
The other helps you decide if the plan still fits.

→ Does anyone else's 'on track' feel different than it used to?

If money hacks could make you rich, we’d all be millionaires by now.

There’s no magic financial tip waiting to “blow up” your wealth overnight.
If there were, everyone would already be using it.

It’s why so many women earning multiple six figures still wonder if they’re missing something.

The issue isn’t income.
It’s that most advice points you toward hacks instead of building a strategy that fits your life.

When you step back and create a plan that reflects your goals and values—
Your money stops feeling scattered.
And it starts working for you.

Here’s what that looks like in real life:
→ Big decisions feel easier
→ You’re in the right financial vehicles for growth
→ You keep more of what you earn
→ And you have breathing room to actually enjoy your money today

The “secret” isn’t another hack. It’s this:
→ Knowing where every dollar goes without feeling restricted
→ Choosing investments that fit your future, not someone else’s
→ Walking into tax season without the “what if I missed something” pit in your stomach

That’s what a strategy built around you delivers.

—

📌 What’s the best money tip you’ve ever received?

You shouldn’t need to justify enjoying your money.

But somehow, every time you book the flight or splurge on the birthday dinner… guilt taps you on the shoulder.

This past weekend, I bought the $1,000 shoes I’ve been eyeing.
And for a split second, I hesitated.
Not because I couldn’t afford them,
But because that little voice whispered,
“Shouldn’t you be saving this instead?”

That voice doesn’t vanish when you start earning more.
Or when you “know better.”
Or even when you build financial plans for a living.

It sticks around when your money feels disconnected from your life.

Because enjoying your money and being smart with it shouldn’t feel like opposites.
But for a lot of high-earning women—it still does.

Not because they’re reckless.
But because they’re not 100% sure what’s already handled and what isn’t.

That’s where the doubt creeps in.
That’s where the overthinking starts.

What changes everything?

→ Knowing what’s going toward the future
→ Knowing what’s fueling the life you want right now
→ And knowing you’re allowed to enjoy both

That’s the kind of permission that doesn’t come from a budgeting app.
It comes from a plan that gets you.

Not just the numbers.
The way you want to feel when you spend, invest, save, and live.

If you’ve been earning well but still feel like you have to justify every “fun” purchase…
This isn’t a money problem.
It’s a strategy gap.

And that’s fixable.

Making more money doesn’t automatically make you feel safer.


For many women in their 40s, it actually makes decisions feel more complicated.

By this point, your income is higher than it used to be.
You’re more established in your career.
You’re not starting from scratch anymore.

So there’s an expectation that money should feel simpler now.
Instead, decisions start to require more thought.

Not because anything is going wrong, 
but because each choice affects more parts of your life than it used to.

In your 40s, money decisions rarely live in isolation.
They touch your time, your energy, your family, your career flexibility, and the options you want to keep available later.

Changing direction (slowing down, stepping away, or reworking priorities) feels more consequential than it did before.

I hear this a lot from women in this stage:

“I have more money than I ever thought I would…
and I’m less certain about what I want next.”

So you find yourself standing at a point where the old path doesn’t quite fit anymore.

The risk isn’t making a bad decision.
It’s staying on autopilot because everything looks fine.
That’s how drift shows up in your 40s.

That discomfort isn’t a sign you’ve failed with money.
It’s a sign that the definition of “doing well” you built earlier in your career needs to be updated for where you are now.

Feeling secure in this season comes from understanding what your money is meant to support and what it needs to stay flexible for.

When that’s clear, decisions start to feel steadier and more intentional.

→ Anyone else in this phase right now?

“What should my financial goals be for this year?”

I get this question every January.

But I never answer it directly.

Instead, I ask:
“What do you actually want your life to look like in December?”

If you hesitated, that’s the point.

Most people set financial goals backwards.

Save more money
Max out my 401k
Pay off debt faster

These aren’t goals.
They’re tasks without a destination.

Here’s how I work through this with clients:

1. Start with the life (not the number)

Ask yourself:
→ What do I want to say YES to this year without hesitating?
→ What would I do if money wasn’t the thing holding me back?
→ What does my ideal Tuesday look like in five years?

Write it down. Get specific.

2. Work backwards to the money

Once you see the life clearly:
→ The lake house = X amount by Y date
→ The career pivot = Z months of runway
→ Early retirement = a real drawdown strategy

Now you have targets that mean something.
Not arbitrary benchmarks from an online calculator.

3. Identify what’s actually in the way

It’s not always “not enough money.”

It’s usually:
→ Cash sitting idle instead of working
→ Tax inefficiency quietly eating gains
→ No system connecting income → investments → real life goals

4. Build the bridge

Map the gap between where you are and where you want to be.
Then reverse-engineer the quarterly actions to close it.

That’s a financial plan.
Not “save more.”

Because “enough” is a moving target.
A number on a calculator.
A fear dressed up as math.

But:
Take my daughter to Portugal without guilt.
Leave this job by 50 on my terms.
Buy the vacation home.

Those are goals.

The number isn’t the goal.
The life is.

→ What’s one thing you want to say YES to this year?

Being gifted stock can quietly turn into a tax headache if you don’t know what you’re dealing with.

On the surface, it sounds like a win.
But the rules matter more than most people expect.

A lot of people assume gifted stock works like an inheritance. It doesn’t.

There’s no step-up in basis.
You get the stock and you also get all the built-in gains that come with it.

Most of the stress isn’t about the money itself. It’s the uncertainty.

You’re holding something valuable, but you don’t really know what it costs to use it.

That’s usually when it becomes clear this isn’t a simple decision.

If you sell everything without a plan, the tax bill can be massive.
And once that happens, there’s no undo button.

Most people come in asking, “Should I sell?”

I’m usually focused on what decisions are still open before anything is final.

That’s how I worked with a client who was gifted just under $4 million in a single stock, with about $2.5 million of gains.

We sold shares over time in years when her income was lower.
We used some of the most appreciated stock for charitable giving.
And we rebuilt the portfolio so it supported her goals, not just what she inherited.

Once she could see the path forward, it stopped feeling like a guessing game.

Sometimes the most important money decision isn’t earning more.

It’s knowing how to use what you already have without creating a problem you didn’t need.

If this is something you’re navigating, it’s worth talking through early, before taxes make the decision for you.


→ Did you know gifted stock works this way?

There’s a point where financial advice stops feeling helpful and starts feeling annoying.

Not because it’s wrong.
But because it’s asking you to look at things you’ve been able to avoid so far.

Early on, simple rules work.
Save this.
Invest that.
Don’t overthink it.

But then life gets more fuller.

Your income changes.
Your time gets tighter.
And suddenly your decisions don’t just affect you anymore.

That’s usually when “just tell me what to do” stops working.

Because you can feel it:
An easy answer doesn’t quite fit anymore.
A checklist skips over the part that actually keeps you up at night.

When I talk about timing, trade-offs, or how one move affects three others, some people want it simpler.

A shortcut.
A rule they can follow without thinking too hard.

And that makes sense.
Simple feels efficient.

But once the decisions get bigger,
simple isn’t enough anymore.

You don’t want more information.
You need someone who can sit in the gray with you long enough to help you see what matters right now. 
You want to make a choice
and not spend the next six months wondering if you missed something.

That kind of guidance isn’t loud.
It doesn’t come with hot takes.
And it isn’t for everyone.

But when it’s right, it changes how decisions get made not just once, but over and over again.

If this felt familiar, you’re probably already in that season.

→ What’s a decision that used to feel simple and doesn’t anymore?

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Renee Cohen, CFP®

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Renee Cohen, CFP®

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