Retirement vs. Single Women

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Statistically, it is said that 90% of women are likely to manage all their household finances in the United States. And yet, many still find themselves on the ropes, not knowing what to do. Sherri Eigen and Diane Cardano join together to give some helpful insights and tips to regarding retirement vs. single women. They touch on important financial topics like real estate and retirement, and give an in-depth view of what might happen, what to expect, and how to deal with those. Fran Salerno and Jim Muehlbronner also share some information about insurance. Covering together even some emotional aspects that might hinder some decision-making, the four guests and the hosts put forward the importance of planning for your future and getting yourself educated.

Listen to the podcast here:

Retirement vs. Single Women

We are going to focus in and zero in a little bit on women and retirement that we\’ve talked so much over the course of the past months on the Roadmap to Retirement. We have touched on some of the areas that affect women in retirement. We\’ve had many examples from clients of yours that you\’ve been able to share and the thought or the process behind bringing everybody collectively together.

Yes, thank you so much, Joe.

Let me introduce Sherri Eigen from Thrive Financial Services out of the Mount Laurel office. Sherri, we welcome you in to Roadmap to Retirement. Thanks for being here.

Thank you so much for having me. I\’m very excited to joining you.

You\’ve heard her name on Talk Radio 1210 WPHT. She gets a great and very serious, powerful endorsement from Dom Giordano. Diane Cardano from Cardano Realtors is with us at the table as well. Diane, thanks so much for being here.

Thank you for having me too.

Thank you for being part of it. We look forward to your contributions to the program. Our partner and friend, Salerno, who is here with Jim on the show and Fran, you\’re going to bring an interesting perspective to the program, so we thank you for being a part of the show.

The reason we decided to do this show is in my many years of doing financial services, I have come to the realization that in meeting with couples, a lot of times single women, whether they\’re single through a divorce situation, through being widowed or just never been married, that they would say things to me like, “Thank you so much for talking to me.” Sometimes they will say the word “dumbing it down,” but I don\’t say that. They didn\’t understand financial services, but they could be a registered nurse coming in. I don\’t understand it. I wouldn\’t be able to give somebody an IV, but they don\’t understand financial services and they felt that they were talked down to or they were talked above their head. They didn\’t understand the aspects of financial planning that they needed to understand for their wellbeing and their family wellbeing.

[bctt tweet=\”90% of all women will be solely responsible for their household\’s financial well-being at some point in their lifetime.\” username=\”\”]

I read an article, which has some great statistics that might have some people go, “I knew that, maybe not so much.” This one blew me away. First of all, we\’re trying to empower women to understand how your financial decisions and every aspect can make or break your financial future and your retirement. The vast majority of women likely to manage all household finances between their growing influence in the United States workforce and living longer on average than their male counterparts. 90% of all women will be solely responsible for their household\’s financial wellbeing at some point in their lifetime due to singleness, divorce, widowhood, or simply by choice. That\’s 90%.

When you hear that statistic, would that surprise most women that you sit down with? I always referenced my mother-in-law many times in our conversations about it. My father-in-law unexpectedly passed away. He had managed or handled a lot of the household and then she was thrust into having to do all of it.

It doesn\’t surprise me that 90% is a pretty high number. it\’s going to happen to most women out there, but I\’ll ask Sherri if she finds out in her practice.

I find that when I do workshops, a lot of women attend my workshop and they will schedule an appointment for a complimentary consultation. Either they are widowed or they\’re without their husband. When they come and meet with me, we discuss the retirement income planning, they have a different perspective from talking to a woman. They feel confident and they do understand that, they are going to be probably responsible for all the decisions. When they leave me, they understand my passion of talking to them and explaining to them what their situation is going to be and what\’s going to happen if their spouse passes away. It\’s a relaxed feeling they have and I do think that’s absolutely over 90%.

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Diane, do you want to jump in here?

I do home sellers seminars and I find that the people who sign up are women in 60s to 70s who either their husbands have passed away or most likely they know that they have to get their home ready now and not wait three years from now when they’re ready to sell. Do some things ahead of time to make sure they don\’t get bit by those home selling sharks I talk about.

Diane, what would you say is one of the challenges? What is one of the questions that you get that might be consistent or across the board when you deal with that conversation?

Most of the time, the challenges are, “Where\’s all the stuff that I\’ve accumulated over the many years going to go? How can they make sure that their investment that they have pays off? What repairs should I do? Should I do that kitchen now or should not do? Is that going to pay me $20,000 to do addition to the house?” They\’re asking me questions about money like, “How much money should I spend? Will I get it back when I sell?”

Karen, real estate is an asset. It becomes part of a conversation. When somebody sits down with Thrive Financial, it becomes one of those big areas that you have to zero in on.

One of the questions that we ask people is, “Where do you plan on staying in your current home? Do you plan on staying in the great State of Pennsylvania that we live in?” We are all local. We understand the needs of this area and locally, you can come sit down into our offices and talk to us face to face, whatever you want to do. I also want to say it\’s an important decision. It\’s important to think, “Do I live in a home that has a lot of stairs? What\’s going to happen when I retire?” As her being an advocate for you, she can look for the types of homes that you\’re looking for. Rancher styles and things like that. Most people are going into a 55-plus community they haven’t seen about 90%. I\’ve rarely seen empty nester going from a big colonial to a rancher. They want out. They don\’t want any more maintenance, so that\’s another thing they have to think about is the maintenance. Do they want to be taken care of the garden forever?

Diane, how hard is it or how difficult is it for a woman who unexpectedly loses her spouse and is then faced with the decision that she must sell the home because the home is either too large or she can’t maintain the home. How tough of a challenge is that?

It\’s a challenge but I found that people gravitate to me for that. That\’s why they come to my seminar and I take three years sometimes in advance and work with them in and out every year and what we can do to make it better. I find that they\’re out there looking for someone like myself who\’s out there going to teach them how to do it. They look for that. They\’re not just going to throw their house up on the market. They\’re smarter than that.

[bctt tweet=\”If you think you’re the smartest person in the room, then you’re in the wrong room.\” username=\”\”]

Fran Salerno is going to join as the program from Del-Val Insurance.

Our opening segment, empowering women, what we do here at Thrive Financial Services is we always want to plan for the unexpected and if you prepare yourself ahead of time, you can plan for the unexpected such as a death of a spouse. You don\’t want to be trapped into selling your home unexpectedly quickly and getting “taken” as we say.

We’re trying to deal with some of the truths and the myths about women and retirement. Karen, I know it’s a passion of yours because of the many stories that you\’ve shared over the course of this program being on Talk Radio 1210.

I\’m so thankful that everybody could join us and I\’m happy that we\’re doing this show. In planning the show, I thought of other people, other advocates that we partner with and it popped to my mind, Del-Val Insurance group that we use, we use Fran Salerno and Jim Muehlbronner. They\’re great guys that work over there. They’re the owners and they know what they\’re talking about. I know Fran personally. He is very comfortable dealing with women. He has a strong wife who happens to own a great beauty cosmetics studio in Doylestown. He’s around women all the time when he goes and visits her. That’s how we got to meet. He said, “I like what you have to say.” We joined together, so it\’s a great partnership. A girlfriend of mine did not realize that we partnered with Del-Val Insurance. She was looking for homeowners and auto.

She is divorced, not super experienced and not knowledgeable in the financial field. She was looking for insurance and was calling all these 1-800 numbers and she said, “I felt uncomfortable. I didn\’t know what I was getting. If they\’re ripping me off, I don\’t know if I\’m getting the right coverage.” I\’m thinking these guys are perfect for you to talk to, so I\’m going to transition over to Fran and told him we were doing the show and he has some great information to share with us and Jim, jump in whenever you want.

I do have a little bit of women credentials. I was one of four boys growing up in Glenside and now I\’m married with two daughters, a female dog and a female cat.

Fran, I share in common with you a very strong wife. I\’ve got a very strong wife who controls the process and I\’m happy to let her do it.

Thank you, Karen, for allowing us to join this show. The big thing with the Del-Val Agency is that we are an independent agent. We don\’t represent one company. We represent several. In fact, we represent fifteen to 28- plus rated companies. When our clients come to us, we have lots of choices for them. We are an advocate for their pocket book. We also want to look at their insurance and do a deep dive to make sure they have the right coverage at the right price. We\’re talking about empowering woman. I had a woman come in my office who had recently lost her husband and she was referred into my agency. She came in to talk a little bit about our insurance.

I said, “Bring all your insurance products. We\’ll go over your coverages and we\’ll look at your needs.” She came in, she was a little reluctant at first, she had one of the big-name carriers for about 30 years. Her husband handled the finances and he handled all the insurance. She thought, “It\’s a big company, I know the name, I\’m sure they\’re taking good care of me.” When we sat down, and we did an evaluation of coverage and pricing between our home, she had an umbrella and she also had an auto. We looked at our coverage, we increased some of her coverage and we managed to save for about $1,200. That\’s substantial. That\’s money now that she has in her pockets she can invest or do other things with it rather than pay for insurance premiums.

Fran, were some of the adjustments or changes that you were able to make to the policy very clear as soon as you looked at the policy? A lot of times when you\’re with somebody for 30 years, are you spending that much time collectively being with someone you don\’t stop and look, you never check, you take for granted that it is what it is?

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You take for granted that the big company has taken care of you, that you\’re getting the best, you’re getting the best coverage at the best price. Her liability coverage was needed to be increased, we increased her umbrella. You can\’t stay with one big company for that long of a period of time without checking with the marketplace. That\’s what we do for our clients. We look at the marketplace and we\’re looking at many carriers. We have a distinct advantage over what I will call captive agent whether it only has one company and they can\’t do much about pricing.

Karen, the Roadmap to Retirement is all about planning. It\’s all about creating a plan, so in that example, an additional $1,200 or when you\’re sitting down and you\’re looking at trying to plan out what your annual expenses are going to be in retirement, that\’s a significant amount of money.

Please take a look at our website, ThriveFinancialServices.com. Give us a call at 800-516-5861 and you\’ll see the difference between us and even what Fran said. There are captive agents out there, captive meaning they only work for one company. Sometimes they work for big banks. We have Wells Fargo out there, TD Bank. They have financial advisors but they can only offer you the products that are on what we call their platform. They only have so many choices. Here at Thrive Financial Services, our goal is to do the best job for our clients. We are fiduciaries, which means we are legally bound to do the best job, not just what is appropriate for them and okay products, but has to be what is financially best for them.

It doesn\’t matter how it affects us, what matters at the end is how it affects the clients and we can do the best job for them because we are independent. We have access to so many different companies in so many different products and that\’s why we partnered with Del-Val Insurance Group. That\’s why we brought Diane Cardano in here. She can be an advocate. She is her own boss and she’s not beholden to anybody and she does what is best for her clients as well.

My participation in the show is on behalf of the readers. I bring the questions and the thoughts that are relevant to what everyone wants to know. We proudly profess to our readers, get educated. Fran, I know we talked about that. Jim, we talked about the ability to not be limited to one option and to be able to provide based on the scenario, based on the individual. We\’re all different. We all have different needs and your ability to be able to react based on the needs, I think is one of the added values that you bring for a client.

Whatever you do in life choice is important and choices are important. You need to be able to have options for yourself. I wanted to touch back on one thing you asked Fran earlier about that you looked at that lady’s policy and you would ask about whether any coverages that he had seen. Fran and I, we’re useful guys. Everybody thinks that. We\’ve been in this business over 30 years and unfortunately a lot of the deficiencies that you see in a policy, a lot of time they\’re exposed at claim time, claim times too late. You\’re bound to what the policy was at the time of the claim. It\’s important to have those policies reviewed so that when claim time does come, you don\’t have any holes in the policy, there\’s no deficiencies. You want to make sure it\’s the proper policy for you. You can call us at 215-354-0122. We\’d be glad to take a look at it.

[bctt tweet=\”Things are changing for women. They are navigating an industry that just a few decades ago were almost exclusively run by men.\” username=\”\”]

The point in the story is when you\’re using the policy at that point, you\’re stuck with the details. You\’re stuck with what occurred there. Fran, how often would you encourage a review? Is that something that you do six months in, every twelve months? How do you do it?

We do a pretty thorough review at initial meeting of our client and then typically, we will review it about once a year. We\’ll sit down with our clients, see if there\’s been any life changes, any events. Anything that\’s changed that would cause them to have to increase coverage, reduce coverage. We meet with our clients and talk. We talk to our clients several times a year, but we have one annual review. I have learned so much on a weekly basis that I didn’t know. It\’s amazing how much you don\’t know. If you\’ve heard me say this before, if you think you\’re the smartest person in the room, you\’re in the wrong room.

When it comes to finances we pretty much do know what we\’re talking about. I wanted to lead into Diane in a moment, but she touched on something that Sherri said as well. We meet with people and we sometimes meet with them years way before they\’re going to retire. That\’s why we do it because you have to plan, you have to understand what you\’re getting yourself into. You\’ve learned so much. When we meet with people for the first time, they say to us, “We did not realize that retirement was going to be so much work.” I want to lead into Diane here because I know she deals with clientele just the way we do. Same age group, same situations as we do and thanks so much for being here again.

You said know what you don\’t know. That\’s all about what I talk about from my home seller seminars. I feel that when people come to see me at the seminar, they come in and they don\’t know anything about what they should be doing. They\’re surprised when they hear that they should\’ve taken pictures of their house last spring because it\’s gone on the market this spring and they would have really nice pictures of the house. Things you can do way in advance, so pre-home inspection. Many of my clients come to me like, “I don\’t know what\’s wrong with my house, what should I do?” I said, “We should have it pre-inspected before the buyer comes in the door.” All of these things we do ahead of time make a plan for our clients before they put their home on the market. I like working with people three years in advance. That\’s my perfect time.

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Their home is one of their largest assets in their financial portfolio and people don\’t treat it that way. They call a friend or family member who has no experience. They come in with just the sign a lockbox, throw it on the market and hope it sells. Maybe somebody else will do it and that\’s not the way it needs to be done. Women need to know that because they run the household. They are the ones who make the decisions. What color this will be, what color paint we’re doing. The men rarely do that and they come to me asking me the decisions like, “What should I do?” What we do is we tell them, “Let\’s come into the house and let’s do a room by room.”

Go through each room. Each room has its own personality, so we tell them this is how we\’re going to market each part of your property, and then we could find that target market who wants that because every home is unique. Every home seller situation is unique. They\’re not all the same and that\’s why I love doing what I do every day. It\’s a new journey every single day. I do have a seminar coming up. Dom Giordano will be there too have our little meet and greet and we\’ll talk all about my eight secret strategies which help people way before they put their home on the market.

Diane, I\’m sure the opposite happens for you as well, where somebody finds themselves at a point of where they\’ve got to do something now and they did not do any of the planning leading up to that, but they\’re forced into a position for whatever reason to do something now. How do you manage that? How do you deal with that?

That\’s where you even have to have more creativity because you weren\’t able to do that and it’s all about how you market the home based upon what their needs are. It\’s different for every person because you sit down with everybody and find out what\’s important to them, what\’s important about selling your home? Is it faster? Do you want it less stress or do you want more money? Money not always an answer, you can\’t tell, “It\’s always money.”

When we sit down with couples, I\’ll say, “Do you plan on staying in your current home? Do you want to move in the future?” The wife will say, “No, I want to stay at the home.” The husband\’s sitting there at the same time shaking his head saying, “Nope, I am tired of shoveling the driveway. I am tired of cutting the grass. I am tired of cleaning the gutters out.” I say, “We don\’t offer marriage counseling here at Thrive Financial Services, but we can offer you some insight into what kind of planning. It\’s really a decision that you should think about before it\’s too late.” Another question they asked me is, “Our bathroom needs to be redone. I don\’t know if we should redo it.” What\’s your thoughts on that? Like redoing something, where are you going to get your money out of the house when you sell it?

It depends on how long they want to sell. If they\’re saying three years, then we look at that kind of stuff. They\’re saying one year, sometimes you don\’t do all that work. It doesn’t make any sense because you won\’t get it back. We go through all that. That\’s why I do what’s called a room by room review and offer them free to all my seminar graduates. They come and we offer that because we know that they need to get started. They don\’t know they need to get started. They know it\’s out there and when can I come in. My hope is that everyone has this room by room. No obligation. Just let me come out. I\’ll give you your list.

[bctt tweet=\”The roadmap to retirement is all about creating a plan.\” username=\”\”]

How do you manage the conversation when a woman does not want to sell the home and wants to hold on for whatever reason, for the fact that it was in the family for 45 years or 50 years? I keep falling back on my mother-in-law in this program, but for the longest period of time, she didn\’t sell the home for only that one reason.

It was sentimental, and she wanted to stay there.

They were in the house for 50 years. The house was so large for her, but it took a long time for her to come to the realization that I am going to now sell the house.

Diane might be able to answer that one better than me. I can\’t make anybody do what they don’t want to do.

I came from one of those. The daughter is now taking over, but the mother did not want to leave. They were there since 1961. Nothing was updated either. When I walked in, even the basement had a water issue. They said, “We\’re not going to touch it. We\’re not sure what to do.” A lot of people don\’t know what to do and they\’re afraid and I find that issue a lot. This is the type of thing, we’re going into this type of house, we\’re not going to go in and fix the bedrooms and the bathrooms and the kitchen. We\’re just going to go in and clean it up as much as possible and put it out there at a price that will attract those of buyers who wants something like that.

Karen, the retirement process includes some of that conversation, includes some of that planning and that thought process or certainly the expense part of it that you would incur to maintain that or to keep that house on a yearly basis.

Another area that falls into play here is people don\’t understand they\’re living in their house. It\’s also sometimes a legacy for their children. What kind of legacy are you leaving for them? Are you leaving them a house that they can easily sell? Most times people say, “I know my children aren\’t going to live in that house but maybe they\’re going to sell it.” That\’s where you have to lead into is, how is the condition of the house, is it something that can go on the market easily and there are other preparations that have to be made legally.

Sherri, what do you hear in South Jersey? You\’re on the Jersey side of the bridge. Is it the same confusion?

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Absolutely. They come in and I ask them all the different questions. I listen. It\’s a big part of what I do. We talk about their house, we talk about do they own it free and clear. If they still have a mortgage on it, we talk about what their monthly expenses are. When they come in, we go through a budget analysis. We say it in the workshop. It might be a little bit of dental pain, but we go through a budget analysis and what we do is we try to come up with a number and a lot of times that might include a mortgage and they might want to retire and it might be a possibility to sell their house so they can get rid of the mortgage. We do an analysis and we work with them in the long term. We might say it might be an idea to sell the house, downsize go into a smaller house. We work with them and we try to analyze their entire situation.

The other situation is sometimes people own more than one house. They might have two properties. That\’s a whole another can of worms. I had a couple the other day and they have a second home and they came to the realization unfortunately that two things are going to happen. She\’s younger than her husband is. She knows at some point, most likely, he is going to pass away first and she knows she\’s not going to make that drive. It\’s a two-and-a-half-hour drive to get to their vacation home. That was number one.

Number two, you know how we say, Joe, that sometimes people come in and we\’re going to tell them, “Things are great. Things are okay or things aren\’t good.” She told me that their retirement plan is not that great, and we\’re helping them work through it. She said to me, which was heartbreaking, “I don\’t want to find us living over top of a grate.” They can\’t afford this second home. They have it because their children like to go to it. Do you want your children to support you in retirement or do you want to be able to support yourselves and enjoy the rest of your retirement? That\’s a whole another can of worms that we can talk about another time but we\’re here for you.

Diane, let me give you a chance to talk about your upcoming seminar.

At 5:00 PM meet and greet with Dom Giordano, at 6:00 PM start the seminar right here in Fort Washington at Hilton Garden Inn, it will be about an hour and a half. I\’ll go through my eight secret strategies and I\’ll go through each one individually and how it\’s going to affect your money in your pocket, not give it to the buyer.

There are many different areas when you do a deep dive. You can spend so much time and learn so much and then that\’s where it comes into tailoring and creating a plan on an individual basis.

That\’s why we\’re doing the show. I\’m going to read a little bit from an article that I touched on in the beginning of the show and then Sherri and I are going to wrap a few things up here. One of the reasons I brought everybody together, especially Sherri, is I would hope people out there can feel our passion, our commitment that we do care about what we do and me personally have a connection with women out there. I\’ll tell you about a client that I met with. Things are changing. A long time ago it was a male dominated industry, financial advising. Things are changing so that\’s why we have our lovely Sherri here. I wanted to read this part here. Women are navigating industry that a few decades ago was almost exclusively run by and dealt primarily with men. This shift leaves a lot to be explored as women and men approach, think about and manage money differently because women do think differently than men as far as money\’s concerned.

[bctt tweet=\”Whatever you do in life, choices are important. You need to be able to have options for yourself.\” username=\”\”]

Here is the statistic. Women are the majority in the US and already control about 51% of the country\’s wealth. In 2014, a study of women between 25 and 70 years old, only 4% of women indicated they were not involved in financial decisions. Whether a woman comes in, she\’s married, divorced, widowed or single, never married, I feel that there\’s just a comfort level in talking with me. David and Bret are comfortable speaking with women, there\’s just a different understanding and different philosophy and thought process. I met with a woman, I met with her first and then David and I met with her together. She was divorced, and she was in her early 60s. She’s still working, plans to work until she\’s 68 but we did the whole Retirement Roadmap Review.

We talked about social security, how that\’s going affect her in retirement. We got to the point where we talked about legacy. She has children. She has a current advisor and she wasn\’t understanding everything. Sherri can jump in anytime you want, but by the time we got done speaking with her, she was in tears. She was crying because she felt that there is somebody out there that\’s willing to take her by the hand and lead her through the process. She wanted to leave something behind for her children. She didn\’t know how to go about it and then she said, “What happens if I pass away? Who\’s going take care of what needs to be taken care of?” We said, “We\’re a one-stop shop. We are here for you. We are your advocate and we understand everything.”

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I\’m not your normal financial planner. When they come, they sit down with me and I am directing a lot of conversation towards the woman and make them feel so much more relaxed. It\’s a joke in our office in Mount Laurel that when we get to the elevator and I walk them out, they will give me a hug. They feel relief. The word is relief because they don\’t understand. They spend their whole life accumulating. They accumulated 401(k). They accumulate a pension and when they get to the point when they get in their 60s, even if they had an advisor, they still don\’t know what to do. They say, “I need to work until age 65,” and I tell them “No, you can retire at age 62.” “Really? Thank you so much, Sherri.” They will give me a hug because they\’re so happy of the information.

We provide something so unique. I\’ve been in the industry for twenty years and I\’ve actually grown with my clients. I was sitting at a kitchen table, a life insurance agent. The way I came to thrive was my clients would ask me as they got older, they had questions on Medicare, they had questions on social security, so I met up with David and Karen. It was a piece of the puzzle and in all reality, I went to one of their workshops to see what they had to say and what they were doing. I was so passionate on what they did and I knew that was a piece of the puzzle that I didn\’t have and the trust and warmth. Being a woman in the industry, the passion that I feel and the passion I feel for my clients and my clients can get me by my cell phone number.

I have people texting her. Diane\’s the same way and I know Fran’s problems the same way. I don\’t want to say, but people can text me over the weekend, things happen. We\’ve had clients in a motorcycle accident, a wife devastated. “My husband was in an accident.” We were one of the first people that she got in touch with and she knew that.

That\’s why I stressed to the audience to use theater of the mind and understand the power of what it means to have an advocate and the power of what it means to get connected with somebody who cares and that\’s the most meaningful thing that I\’ve learned in doing this program. I don\’t work for Thrive Financial Services, but I\’m incredibly comfortable with the process. I\’m incredibly comfortable Fran with how you and Jim deal with your clients. I\’m incredibly comfortable to the point that that\’s how the right decisions get to be made when you deal with the curtains down and it\’s real conversation with real people. That’s so important.

Thrive Financial, it\’s like a family. Even working together, we\’re very much like that and we contact each other. We know you can get in touch with us any way, shape or form. It\’s the same with Sherri and me. If there\’s a problem, we can go back and forth. We have so many people to bounce things off of if there\’s a question about something.

My clients text me all the time on the weekend. At any time, my clients will text me. I\’m always available for them. It\’s a comfort knowing we’re handling their money. We\’re helping them make big decisions to know that they don\’t have to call and it\’s not press one for this, press two for that. I\’m going to be there and if they text me, I\’m going to respond to them right away or as soon as I can.

Diane, I know you\’ve got a workshop and a seminar. You\’re a key part of the equation. You\’re a key part of the puzzle because you manage or deal with an individual\’s largest asset.

They need to make sure that they look at this asset as an asset and handle it about three or four years before they\’re ready to go on the market. Even if they don\’t even know, it\’s always good to get an evaluation. What should I be doing right now to make my home more marketable when a time to go on the market?

Nice to have you on the program, Diane Cardano from Cardano Realtors, a powerhouse in that industry as supported by Dom Giordano and we certainly appreciate you being on the show. Fran, I give you the last word on your end. Great job with the example that you used, one of many and I encourage that everybody to understand what you were able to do for one individual with one deep dive.

One of the things that I pick up is that all of us here care about our clients. Our client\’s goals and objectives come first before anything else, in a world where everyone\’s so busy doing stuff on the computer, almost buying auto and home has almost become a commodity. We all here add a personal touch. We take an interest in our clients and that\’s what separates us from a lot of brokers and agents.

That\’s where I was going. We\’re all independent. We\’re all very passionate about what we do and our clients definitely come first. You can reach us anytime and we are here for you. Anyone tuning in, thank you for being part of the program as well. We will welcome you in our doors with the open arms.

Special thanks to Fran Salerno and Jim Muehlbronner from Del-Val Insurance, Diane Cardano from Cardano Realtors and Sherri Eigen from Thrive Financial Services on the Mount Laurel side of the Delaware Valley. We thank everybody and, on behalf of the missing David and Bret, great job, Karen, in putting the show together.

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