Nicole Peterkin is the owner of Peterkin Financial, where she provides comprehensive financial planning for a flat fee that isn’t tied to assets or income in an effort to make financial advice more accessible. In 6 years in business, she has helped over 500 clients improve their financial lives. Most of Nicole’s clients are sole-proprietors and closely-held businesses looking for planning that balances their competing business and personal needs. Nicole is also an author and speaks regularly on the topics of personal finance and entrepreneurship. Her first book, “If You Love Your Family, Save Like It” is her take on modern money management for America.
More than 100 miles
I generally get paid for speaking but make exceptions
I was pre-med, dabbling in some business classes on the side when my dad unexpectedly passed away. In the aftermath of his death, several things became very clear to me with the primary lesson being that professional success and intelligence have nothing to do with financial savvy. The second lesson was that despite how far women have come in the workplace and in society, in our relationships we typically delegate the financial responsibilities to our parents, spouses, and partners. The repercussions of this delegation are often both negative and severe when life happens.
My parents were both incredibly smart people who made six-figure incomes, but because of their education and family backgrounds they were do-it-yourselfers. As a result, they simply weren't maximizing their financial potential. This realization struck me to my core and prompted me to switch gears, building a successful financial planning practice, becoming a published author, and regularly speaking on the topics of personal finance and entrepreneurship.
Did you know that being a woman affects how you think about money and, ultimately, how much wealth you have? We often carry ideologies and societal norms that may not fit wealth building strategies. Also, as women, many of us do not have a long history of wealth accumulation to learn from so, even though we may think we are doing all the right things, we are often working against ourselves. The three most common areas of sabotage are: (1) Not having a long view with your savings (so you are never getting your money to work as hard as you are). (2) Not understanding and using credit as an ally (so you're focusing on paying down the wrong debt and paying way too much when you want to achieve milestones like buying a house or financing a car). (3) Not understanding debt and how you can use it to build more wealth (so you're using other people's money to accumulate assets and not just using debt to buy things you can't afford now). The solution is that if you can understand and leverage these three areas of weakness to be strengths, and incorporate wealthy money habits and mindsets, you can have every dollar working for you whether you're spending, saving, investing, or giving it away.
Being in business is too hard to be broke. Generating profit as a small business is simple, but not easy. Knowing your numbers is a good start, but it's not enough. To really maximize profits, you need to understand the factors that drive profit in your business. You also need to understand how the mechanics at play in your business (like expenses, payroll, and taxes) can be used to your advantage. This workshop will help you create a profit roadmap that helps you more efficiently track and drive profit in your business so that you can grow your business without jeopardizing your quality of life. This will alleviate stress and ultimately give you the confidence to make business decisions that will promote faster business growth.
The problem with traditional financial advice is that everyone is telling you to save and invest more money for the long term, but no one is telling you how. The advice operates on the assumption that if you tell someone that they need to save 20% of their income in order to be able to retire on time, that they can and will save that money. But where is it coming from? It doesn't matter if you're making $20,000 per year or $200,000 per year, chances are regardless of your income you have expenses to match and finding money to save and invest just isn't as easy as it sounds. But here's the good news: I'd be willing to bet that the strategies shared in this session will help attendees find at least $100. There is hidden money in everyone's finances- you just need to know where to look. This workshop will walk attendees through small ways to make a big impact on their bank accounts. We'll start by going through the most common ways I help clients painlessly find money to save, spend, and invest and then we'll move into how to start small with investing so that you'll have more to show for every dollar you manage to keep.
As an individual, you are a CEO of one. You have limited time and money and in order to have financial health, wealth, and lifestyle you need to master the art of leverage. This workshop will give you the tools you need in order to create more value in your life by understanding how to use leverage to your advantage in these three crucial areas for more lifestyle, more options, and ultimately- more money in your pocket. You will leave this workshop with easily actionable ideas for how to use your time and your money in better alignment with your goals.
Maximizing your financial potential involves making sure every dollar you save, spend and invest is working as hard for you and possible by getting the most value. In order to do this, you need to lay a strong foundation and put systems in place. This workshop teaches the three fundamentals you need to master in order to keep more money in your pocket, drop the guilt around your spending, and use your money in alignment with your values for maximum joy. You will leave the room with the foundation to begin to build a 90 day money plan.