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Sofia Financial Our goal is to empower women to make wise financial decisions through a variety of services. Sofia Financial and PAG are not affiliated.

Sofia Financial is dedicated to a world where all women have the confidence to make wise financial decisions. We offer service and advice in a variety of shapes and sizes to women of all income and wealth levels. The best way to start is with The Quest, a 90-minute, one-on-one in depth analysis of one aspect of your financial life. For a modest fee you get deep conversation, no sales pitch, and at least three concrete recommendations you can act on to take steps toward your goals. There is no obligation to work together afterward - and never any minimums. Financial planning and investment advisory services offered through Private Advisor Group. Investment advice offered through Private Advisor Group, a registered investment advisor and a separate entity from Sofia Financial. Third party posts found on this profile do not reflect the views of Private Advisor Group and have not been reviewed by Private Advisor Group as to accuracy or completeness. The investment advisor representatives of Private Advisor Group offer investment advice in every state, the District of Columbia, Puerto Rico and the US Virgin Islands.

Not every money habit needs to be met with a new rule.Sometimes it just needs to be noticed.I've been thinking about one...
10/29/2026

Not every money habit needs to be met with a new rule.

Sometimes it just needs to be noticed.

I've been thinking about one of my own patterns lately: when I have a problem that requires time and effort to solve, I'm sometimes tempted to buy something that might help instead.

I'm not particularly proud of it, but I'm also trying not to judge myself for it.

Because judgment isn't necessarily useful.

Awareness is.

Once I recognize that this is something I tend to do, I have a better chance of catching myself the next time it happens.

The same can be true of all kinds of money patterns.

Maybe you spend more when you're stressed. Maybe convenience wins when you're busy. Maybe you keep paying for things you rarely use because cancelling them has been sitting on your to-do list for six months.

Before creating another rule for yourself about what you should or shouldn't do with your money, try simply noticing what you actually do.

You might learn something useful.

10/28/2026

Reaching 65 doesn’t necessarily mean retirement anymore.

More people are continuing to work, whether because they want to or because it makes sense for them. But Medicare still has its own timelines and rules, and continuing to work doesn’t mean you can automatically put those decisions off.

That’s one of the reasons it helps to start learning about Medicare before you need it. You don’t have to understand every detail, but you do want to know what questions to ask and when you may need to make a decision.

In Episode 142 of Take Back Retirement, Medicare expert Danielle Kunkle Roberts joins us for Don’t Wait Until 65: Medicare Planning For Gen X And Beyond.

Listen wherever you get your podcasts.

10/26/2026

There are a lot of ideas about what "retirement" is supposed to look like.

When it should happen. What you should have saved. Whether you should stop working completely. What you're supposed to do with your time once you get there.

But "retirement" is a stage of life, and like most stages of life, it isn't going to look the same for everyone.

For some people, leaving work as soon as they can is the goal. Others want to keep working in some way, just with more flexibility or on different terms.

The important part is having the financial flexibility to make choices based on what you want your life to look like, rather than what "retirement" is supposed to look like.

Your financial plan isn't something you create once and follow forever, because your life doesn't stay the same forever....
10/22/2026

Your financial plan isn't something you create once and follow forever, because your life doesn't stay the same forever.

Jobs change, kids grow up, parents get older, health changes, and priorities shift. Sometimes what you thought you wanted ten years ago isn't what you want anymore.

Checking in on your financial plan isn't only about looking at how your investments are doing or whether you're still on track for a particular number. It's also about asking whether the life you're planning for is still the life you want.

Your financial plan should have room to change as your life does.

10/22/2026

Medicare is one of those things that’s easy to put off learning about until you actually need it.

But some of the decisions you make before 65 can affect what you pay and what options are available to you later.

In Episode 142 of Take Back Retirement, Medicare expert Danielle Roberts, founding partner of Boomer Benefits, joins us to talk through what’s helpful to know before you need to make those decisions.

You don’t have to know everything about Medicare. But knowing what to pay attention to ahead of time can make the process a lot easier.

Listen to the full conversation in Episode 142 of Take Back Retirement. Link in profile.

10/19/2026

When your adult kids need financial help, taking care of yourself first can feel selfish.

As a parent, you want to help when you can. But as you get closer to retirement, protecting your own financial security has to be part of the equation, too.

That might mean looking at what you can realistically afford to give without putting your own future at risk. It might mean setting limits, even when you’d rather say yes.

Taking care of your own financial future doesn’t mean you don’t want to help your kids.

It means making sure you’re financially secure, too.

If you're struggling to make progress with your money, the answer isn't always to try harder.We tend to talk about finan...
10/15/2026

If you're struggling to make progress with your money, the answer isn't always to try harder.

We tend to talk about financial goals as if they're mostly about discipline.

Make a budget. Stick to the plan. Save more. Spend less.

But knowing what to do and actually doing it are two very different things.

Sometimes what helps isn't another tool or another rule.

It's having someone to talk things through with. Someone who can help you see what you might be missing, remind you what you're working toward, and help you get back on track when life inevitably gets in the way.

You don't have to be endlessly disciplined.

Sometimes support is part of the plan.

10/14/2026

What if spending more earlier in retirement actually makes sense?

There may be things you want to do while you have the health, energy and ability to enjoy them, whether that’s a big trip, an adventure or simply an experience you’ve been putting off until “someday.”

That doesn’t mean spending without thinking about the future. It means recognizing that your spending probably won’t look exactly the same every year.

You may spend more in the earlier years of retirement and less as you get older, and that can be part of the plan.

You may spend more in the earlier years of retirement and less as you get older, which could mean making room for some of those “someday” experiences a little sooner.

10/12/2026

There’s a lot of pressure to get money “right.”

To know what you’re doing. Make the right decisions. Have all the answers.

But you don’t need to become a financial expert before you can make good decisions with your money.

Sometimes you just need to start.

I joined Melissa Joy on the Women’s Money Wisdom podcast to talk about retirement, some of the things we tend to worry about, and some of the things we probably need to be talking about more.

We covered retirement rules, spending, aging, family conversations and what retirement can actually look like.

Listen to the full conversation on the Women’s Money Wisdom podcast.

Sometimes spending money on a problem can feel like solving the problem.I caught myself doing this recently.I've been de...
10/08/2026

Sometimes spending money on a problem can feel like solving the problem.

I caught myself doing this recently.

I've been dealing with some tennis elbow pain. I've had this before, so I already know some of the exercises that can help. I even have the old PT printouts somewhere.

But those exercises require me to actually find the printouts and then spend 20 minutes doing them regularly.

You know what feels easier?

Buying a book about maintaining strength as we age. Or a supplement. Or some KT tape.

Suddenly I've done something about the problem!

Except, more often than I'd like to admit, whatever I bought ends up sitting around collecting dust while the free exercises I already knew about remain undone.

It's a good reminder that sometimes spending money gives us the feeling of taking productive action.

I'm not judging the habit. I'm just trying to notice it.

Because maybe the next time I reach for my credit card, I'll stop and ask myself whether I'm actually solving the problem or buying the feeling that I'm solving it.

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1055 Westlakes Drive, Suite #300
Berwyn, PA
19312

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Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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