The Millstone Evans Group

Have you met Michele Duvall?

She describes herself as a “talker who is outgoing and believes everyone has something to offer” and as someone who loves to be involved in all aspects of a business. That sounds like someone ideally suited to human resources, right?

We certainly think so. As The Millstone Evans Group’s Vice President of Human Resources and Administration, Michele oversees staff, operations and team projects/initiatives. She provides guidance in problem resolution, client service, coordinating new processes, procedures and planning for our future growth. Having worked in every department of Raymond James' international headquarters and a branch office, Michele brings a wealth of valuable perspective to our team. But Human Resources isn’t all she manages. She’s also the newly minted Chief Compliance Officer for the firm.

Click her Meet the Team profile below to learn more about her new role as well as an exciting life that led her from a small town in Wisconsin to many adventures in both her professional and personal lives.

Meet the Millstone Evans Group Team: Michele Duvall She describes herself as a “talker who is outgoing and believes everyone has something to offer” and as someone who loves to be involved in all aspects of a business. That sounds like someone ideally suited to human resources, right?

Happy Valentine's Day ❤️💕💖 from all of us at The Millstone Evans Group to all of you!

Happy New Year! From our team to you, we wish you a stellar 2024.💫✨🌟

Hi all,

In my new Money Conscious podcast episode, I am excited to share the fascinating conversation I just had with Owen Ullmann, author of the new book Empathy Economics: Janet Yellen's Remarkable Rise to Power and Her Drive to Spread Prosperity to All.

I’ve admired Secretary Yellen for a long time, and I share her passion for economic equality and justice, as many of you do as well. Owen is an award-winning journalist and author who has covered the White House, foreign affairs, economics, and political campaigns for four decades – he brings her story to life in a vibrant, personal way.

I think you’ll enjoy hearing:
• How Secretary Yellen broke through glass ceilings and old boys’ clubs to become the first person in American history to have led the White House Council of Economic Advisors, the Federal Reserve, and the Treasury Department.
• Examples of how her values of equity and inclusion have informed every aspect of her working life.
• Personal anecdotes that demonstrate her humor and ability to disagree without being disagreeable.
• More about the origins and trajectory of her career and what factors contributed to her success.

You can purchase Owen’s book online or wherever you get your books.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha

https://podcasts.apple.com/us/podcast/exploring-janet-yellens-remarkable-career-with-her/id1620486058?i=1000630008068

‎Money Conscious: Exploring Janet Yellen’s Remarkable Career with Her Biographer Owen Ullmann on Apple Podcasts ‎Show Money Conscious, Ep Exploring Janet Yellen’s Remarkable Career with Her Biographer Owen Ullmann - Oct 3, 2023

Hi all,

Seasons. Financial markets. They are ever-changing. That’s why this Fall is a great time for us to stop and take a look at what’s happening with the financial markets.

In Money Conscious Episode 19: Fall 2023 Market Update with Greg and Sacha, Greg and I offer an assessment of where we are now, how the market is being influenced by various factors, and what investors should be thinking about. We are interviewed by Dave Singleton, our communications colleague and longtime client, who asks the kinds of questions investors have on their minds right now.

In this engaging and very timely episode, we share:

· Our advice on how to look beyond gloomy news headlines to stay the course and focus on what matters.

· How we see the rest of 2023 playing out – e.g., what role inflation, the healthy employment rate, a possible recession and/or government shutdown, the political climate and other business factors might play in determining market performance.

· Tips for how best to manage financial portfolios right now, including a focus on dollar-cost averaging.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha

https://podcasts.apple.com/us/podcast/fall-2023-market-update-with-greg-and-sacha/id1620486058?i=1000628378549

‎Money Conscious: Fall 2023 Market Update with Greg and Sacha on Apple Podcasts ‎Show Money Conscious, Ep Fall 2023 Market Update with Greg and Sacha - Sep 19, 2023

Hi all,

In Money Conscious Episode 18: We Explore ESG Investing with YourStake’s Co-Founder Gabe Rissman, you’ll hear from Gabe, who is both co-founder and president of YourStake, about the passion that drove him to start the company. You’ll also find out more about YourStake – a fantastic tool that uses trusted public sources to gather data and evaluate companies based on important values such as supporting the environment, gender and racial equity, healthy living, and others I know we share.

Joining me on this episode are Brad Michalchuk, our team’s Director of Financial Planning & ESG Research, and Dave Singleton, who manages our communications and is a longtime client. We delve into details around:

- How ESG investing aligns your values with your investments, which can enable you to have a positive impact on society while also optimizing your returns.
- The way ESG provides investors with more data and information to make informed decisions around a company's risk and future growth and sustainability potential.
- The many myths around ESG investing and why it’s important to bust them. For example, nobody is forced to invest with an ESG lens at all. There are many more investments that don't use ESG than do.
- The new YourStake tool which helps quickly find investments for your portfolio that align to your values. It offers you “how about about this, not that” options with expected returns that are equal or better to what you currently have.
- Why the Millstone Evans Group chose YourStake as our ESG Investing tool.
- What the YourStake experience is like for a client. Dave shares his experience.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha

‎Money Conscious: We Explore ESG Investing with YourStake’s Co-Founder Gabe Rissman on Apple Podcasts ‎Show Money Conscious, Ep We Explore ESG Investing with YourStake’s Co-Founder Gabe Rissman - Sep 5, 2023

Have you met Madeline Stutz? She’s the team’s newest member who started as an intern in April 2022 and joined the firm fulltime in June 2023, soon after graduating from The University of Colorado Boulder Leeds School of Business with a bachelor’s degree in finance. As wealth and investments consultant, Madeline supports day-to-day client service needs, account management matters, and financial planning and analysis. She also looks into how funds make our favorite funds list and tracks the markets and latest research. She is very interested in evaluating funds and keeping her eye out for smart investments.

One thing she’s noticed in her time thus far is how much people benefit from financial advising support. “It’s so easy to go down the wrong path and get stuck,” she says. When she’s not working, Madeline is engaged in animal care, loves EDM (electronic dance music), is pretty crafty and likes to make clothes and accessories, and is working on her golf game. Read more about Madeline at the link.

https://www.millstoneevansgroup.com/enlighten/sacha-on-money-and-more/2023/07/12/meet-the-millstone-evans-group-team-madeline-stutz

Meet the Millstone Evans Group Team: Madeline Stutz She’s the team’s newest member who started as an intern in April 2022 and joined the firm fulltime in June 2023, soon after graduating from The University of Colorado Boulder Leeds School of Business with a bachelor’s degree in finance. You can read more about her current role here.

Hi all,

Keeping your finances secure and avoiding fraud and scams are increasingly important in today’s world. In Money Conscious Episode 17: Security Experts on How EverSafe Protects You from Financial Fraud, we talk with the co-founders of EverSafe, a service that shields you and your loved ones from financial fraud through monitoring accounts for unusual activity and sending alerts to you and anyone you designate as a trusted advocate.

We are very pleased to host the two co-founders of EverSafe: CEO and technology expert Howard Tischler and Chief Operating Officer Elizabeth Loewy, former Chief of the Elder Abuse Unit in the Manhattan District Attorney's Office.

Joining me on the panel from the Millstone Evans Group are Life Cycle Planning Specialist Toni Noto, Director of Operations and Financial Planning Associate Martial Frindethie, and Dave Singleton, who hosts this episode and is a longtime client and EverSafe fan.

In this episode, we share:
·Stories about the widespread prevalence of scams that prey on people of all ages, especially the elderly.
·How to easily sign up for Eversafe, which is offered free to you, get their financial fraud prevention weekly alerts and contact their customer service when needed.
·Tips to protect you and your family from financial fraud.
·The easy way to set up a trusted advocate with whatever level of access to your accounts you choose.

We also spotlight two longevity services – Clear Match Medicare and Everplans. Along with EverSafe, these three are complimentary, added-value services that The Millstone Evans Group offers our clients. Let Toni or me know if you’re interested in signing up.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha

https://podcasts.apple.com/us/podcast/security-experts-on-how-eversafe-protects-you-from/id1620486058?i=1000618589912

‎Money Conscious: Security Experts on How EverSafe Protects You from Financial Fraud on Apple Podcasts ‎Show Money Conscious, Ep Security Experts on How EverSafe Protects You from Financial Fraud - Jun 28, 2023

Have you met our Jarrett Sharp, our Chief Financial Officer and Financial Planning Associate?

With The Millstone Evans Group since 2019, he’s taken on an increasing number of responsibilities and is now involved in so many key aspects of the business. Jarrett oversees all accounting matters, including day-to-day management as well as corporate tax concerns and procedures, for the firm. In addition to his focus on finance and accounting, he is a financial planning associate who helps build and review financial plans for clients and manages a variety of client requests. He’s also a Los Angeles transplant, movie buff, skier, and guitar player who loves 80s rock and blues.

Read our latest Meet the Team profile to find out more!

Meet the Millstone Evans Group Team: Jarrett Sharp Almost in passing, in a quick scene in Star Wars: A Phantom Menace, Qui-Gon tells young Anakin, “Always remember. Your focus determines your reality.”

If you are concerned about the cost of higher education, you have every reason to be. This year's high school graduates could take on $37,300 in student loan debt in pursuit of a bachelor's degree. That doesn’t even take into consideration the costs of a graduate degree. What a huge burden to start your adult life with, right? It’s much better to start off at zero than in a deficit.

In this new blog post, The Millstone Evans Group Director of Operations and Financial Planning Associate Martial Frindethie focuses on an important education savings tool: the 529 Plan, which is a tax-advantaged savings plan designed to encourage saving for future education costs. What does the 529 Plan entail? Which expenses are eligible under the plan and which aren't? When should you take withdrawals? What happens if your student receives a scholarship? Read on to learn the answers to these and other important education funding and planning questions.

529 Plans How You Can and Cant Use Them If you are a parent who is concerned about the cost of higher education, you have every reason to be. This year's high school graduates could take on $37,300 in student loan debt in pursuit of a bachelor's degree. That doesn’t even take into consideration the costs of a graduate degree. What a hug...

Have you met our team's Lifecycle Planning Specialist Toni Noto? She is the subject of our latest Meet the Team profile, which is now published on our blog. Click on the link below and you'll discover wonderful and surprising details about Toni: her varied and exciting life before The Millstone Evans Group as well as what motivates and inspires her now.

One thing for sure about Toni: she knows a lot about traveling and taking new roads as well as planning to be prepared for life’s unexpected twists and turns. Those attributes - along with her focus on building relationships - served her well in the past and continue to do so today.



https://www.millstoneevansgroup.com/enlighten/sacha-on-money-and-more/2023/04/18/meet-the-millstone-evans-group-team-toni-noto

Meet the Millstone Evans Group Team: Toni Noto “Two roads diverged in a wood, and I— I took the one less traveled by, And that has made all the difference.” - Poet Robert Frost

We think you're going to love this topic! In Episode 16: Our Expert Panel Explores Longevity Planning Services Available Now, we share what longevity planning is and what it encompasses, including an overview of incredible tools available to you today.

Joining President Sacha Millstone on the panel are Toni Noto, Life Cycle Planning Specialist, and Alaina Butler, MBA, Raymond James Senior Longevity Planning Consultant.

They share our perspectives on how longevity planning benefits people of all ages. They also spotlight specific details about these four longevity planning tools and resources (the first three we offer complimentary to our clients) and how to easily sign up:

1. Clear Match Medicare. An unbiased agent partners with you to navigate options.
2. EverSafe. This alert shields you and your loved ones from financial fraud.
3. Everplans. A secure service that helps you organize and share key documents.
4. Broadspire Care Management. Fee-based caregiving support tailored to your needs.

Listen at the link below or find the episode wherever you get your podcasts, please share and hope you enjoy!



https://podcasts.apple.com/us/podcast/an-expert-panel-explores-longevity-planning-services/id1620486058?i=1000609599796

‎Money Conscious: An Expert Panel Explores Longevity Planning Services Available Now on Apple Podcasts ‎Show Money Conscious, Ep An Expert Panel Explores Longevity Planning Services Available Now - Apr 19, 2023

In the last few years, urban beekeeping has become more popular than ever and beekeeping in less-than-obvious locations can be more feasible than you may think. As pollinators, bees also provide environmental and economic benefits to cities. And city dwellers benefit from having nature around them – in this case, delicious nature since urban bees provide amazing honey.

Our team cares about this issue for many reasons, including these two facts: the environment is important to us and bees buzz close to home for The Millstone Evans Group. Who would have considered the rooftop of a downtown high-rise office building to be the perfect place for urban beekeeping? Well, that is exactly what’s happening in our Denver office building! Read our blog post to find our why there's such buzz about bees and how you can see photos and follow the progress of our rooftop hive.



https://www.millstoneevansgroup.com/enlighten/sacha-on-money-and-more/2023/04/14/why-so-much-buzz-about-bees-in-the-city

Why So Much Buzz About Bees in the City? Find Out Why Their Popularity is Sky Hive Those are just a couple of questions people ask when they consider the idea of urban beekeeping. But in the last few years, it’s become more popular than ever and beekeeping in less-than-obvious locations can be more feasible than you may think.

I’m really excited to share this new podcast episode with you since it’s a very timely market update that addresses the questions I know many of you have. Weathering the ups and downs of volatile financial markets isn’t new, but somehow that doesn’t stop the concerns from popping up. That’s why now is a great time to stop, share a reality check and offer you our perspectives.

In Episode 15: Spring 2023 Market Update with Sacha and Greg, Greg Evans and I update you on the financial markets, including an assessment of where we are now, what investors should be thinking about, and how best you can continue to navigate market volatility.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha

https://podcasts.apple.com/us/podcast/spring-2023-market-update-with-sacha-and-greg/id1620486058?i=1000606035224

‎Money Conscious: Spring 2023 Market Update with Sacha and Greg on Apple Podcasts ‎Show Money Conscious, Ep Spring 2023 Market Update with Sacha and Greg - Mar 27, 2023

Have you met Martial Frindethie? Chances are if you a client of The Millstone Evans Group, you have since he is involved in so many key aspects of the business, including building/updating client financial plans, cybersecurity, and all things technology. In this profile, you'll get to know him better. For instance, you may not be aware that affording education, or more to the point, making education affordable, is one of Martial Frindethie’s passions and a focal point of his work with The Millstone Evans Group. With the company for nearly 12 years, Martial was an intern when he started. As Director of Operations and Financial Planning Associate, Martial has come a long way since those early days.

Read our latest Meet the Team profile to find about more about him, what he's passionate about, why he likes being part of a collaborative team, and more.



https://tinyurl.com/4nkpnjfb

Meet the Millstone Evans Group Team: Martial Frindethie Affording education, or more to the point, making education affordable, is one of Martial Frindethie’s passions and a focal point of his work with The Millstone Evans Group. With the company for over 10 years, Martial was an intern when he started. As Director of Operations and Financial Planning ...

Hi all,

March is Women's History Month and to help kick it off, I’m thrilled to spotlight how gender lens investing helped spur enormous progress in diversity of leadership at public companies over the past decade.

Launched nine years ago, the Impax Ellevate Global Women’s Leadership Fund was the first mutual fund to focus on research and measurement of the advancement of women in the workforce at public companies around the world. The tangible results companies have experienced from engaging in this way create a virtuous circle that leads to greater leadership diversity and even better outcomes. The fund invests in many of the highest-rated companies in the world.

In Money Conscious Episode 14: The Impact of Gender Lens Investing and Women’s Leadership Funds, my guest is Kelly Baldoni, Head of Global Women's Strategies at Impax Asset Management. Kelly has worked with the Impax Ellevate Global Women's Leadership Fund since its inception.

We explore many key areas such as:
1. How Kelly and the Impax Ellevate research team identify the top publicly traded gender leadership companies in the world, and how their proprietary scoring system has evolved over time.
2. Diversity efforts businesses implement, measure, and report on often result in greater innovation, better communication, higher employee satisfaction, and better understanding of clients.
3. Academic research shows that companies that have implemented successful diversity programs and processes demonstrate improved growth and financial performance.
4. How gender lens strategies combined with a greater number of investors aligning their investments with their values increased progress toward diversity during the heights of the , Time's Up, and Sheryl Sandberg's Lean In movements.
5. What goes into making the Impax Elevate Global Women's Leadership Fund such a tremendous success, reaching over a billion dollars in assets in 2022.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha



https://cms.megaphone.fm/channel/moneyconscious

The Impact of Gender Lens Investing and Women’s... by Money Conscious How gender lens investing has helped spur enormous progress in diversity of leadership at public companies over the past decade.

We are very pleased to announce that the Millstone Evans Group Denver office was recently LEED Gold Certified through the U.S. Green Building Council! LEED certified buildings save money, improve efficiency, lower carbon emissions, and create healthier places for people. LEED certifications are judged on sustainable practices in the categories of Energy, Water, Waste Diversion, Transportation, Indoor Air Quality, Materials and Resources.

Read more at the link.



https://www.usgbc.org/leed/benefits-leed

Benefits of LEED certification | U.S. Green Building Council LEED buildings can create a healthier, more sustainable future.

New blog post alert!

The Millstone Evans Group's Director of Financial Planning and ESG Research Brad Michalchuk shares his thoughts on financial planning and investment management in our latest blog post. As he notes, "Understanding each client’s specific financial circumstances, aspirations and life stages gives an advisor the kind of context that will help both advisor and client think through all the options and produce a tailor-made strategic plan aimed at helping the client achieve those goals. Without proper context, an investment advisor may generate a strong financial return, but miss significant opportunities."

Click the link below to read the full post. And please share with those who might benefit from this information.



bit.ly/3J0fCk8

Financial Planning and Effective Investment Management Millions of people hire investment advisors to help them get the highest return on their investments and deliver significant value. This can be extremely beneficial, but investment management is much more effective when it is based on a comprehensive financial plan that takes a 360-degree view of ea...

Hi all,

Welcome to my first podcast of 2023! I am excited to kick off a new year with new podcasts for you, and I am especially thrilled to welcome back Mike Gibbs, formerly Head of Portfolio and Technical Strategy, now Lead Portfolio Manager with Gibbs Capital Management, a division of Raymond James Investment Management. My podcast last fall with Mike was one of the most popular ones and there’s a reason for that: he’s a fabulous speaker, full of facts and so insightful about strategic thinking about the markets - where we are and where we’re likely going. You’re going to love this latest episode with Mike.

In Money Conscious Episode 13: A Raymond James Expert Shares Why This is the Time to Really Get Invested, Mike and I explore in detail many key areas such as:

-Why 2023 will likely be a transition year and that brings with it much opportunity!
- If we go into a recession this year, it will likely be a mild one because the economic factors (e.g., job market, consumers with cash) now are so different than those impacting previous deep recessions.
- Several reasons why now is no time for investors to be complacent; it’s a time for investors to look forward.
- The kinds of questions you should be asking your advisor right now to make sure you’re set up for maximal results down the road.

Click on the link in this post to hear this episode. You can also access, listen and subscribe to Money Conscious via Apple, Spotify, Google, or through wherever you get your podcasts.

Happy listening, please let us know what you think in the comments below, share with your friends and colleagues, and let’s stay connected!

Sacha

shorturl.at/iKQU4

A Raymond James Expert Shares Why This is the T... by Money Conscious Why 2023 will likely be a transition year and that brings with it much opportunity!

Cybersecurity is a top concern for everyone nowadays. Cybercriminals are targeting our most used forms of communications from emails to texts and even phone calls.

Unfortunately, it’s nearly impossible to completely avoid being targeted by malicious scammers, but there are red flags you can look out for to lessen the chance you’ll fall victim to them. In this brief post, our Director of Operations and Financial Planning Associate Martial Frindéthié, AAMS™, CCPS® provides a little background on phishing, a common cyber scam, and shares two common phishing scams and the red flags that will help you protect yourself against them.

He also offers The Millstone Evans Group clients an opportunity to receive a short, free weekly newsletter from KnowBe4 with tips and tricks to avoid the latest cyber scams like the ones he spotlights in our latest blog post.




https://www.millstoneevansgroup.com/enlighten/sacha-on-money-and-more/2022/12/22/cybersecurity-and-protecting-your-information

Cybersecurity and Protecting Your Information: Sign Up for the KnowBe4 Weekly Newsletter So You’ll Stay in the Know Cybersecurity is a top concern for everyone nowadays. Cybercriminals are targeting our most used forms of communications from emails to texts and even phone calls. Unfortunately, it’s nearly impossible to completely avoid being targeted by malicious scammers, but there are red flags you can look o...

Have you met Riley Thoubboron?

After a fateful trip out West led him to relocate from Vermont to Colorado, he joined The Millstone Evans Group in December 2019 and has been an invaluable team member ever since. As The Millstone Evans Group's Chief Compliance Officer (CCO), he is responsible for the overall compliance of the firm with the regulatory agencies, which includes making sure the company follows all rules, policies and procedures, and that disclosures are properly filed with the SEC. It’s a role that changed recently. In addition to being CCO, Riley also serves as a Financial Planning Consultant where he assists in building and updating financial plans for our clients.

In this profile, you'll find out what motivates him to help people achieve financial freedom, why financial literacy is so important especially for younger generations, how working for a small firm can have big advantages, and much more.

https://lnkd.in/e_Zcqntv

Meet the Millstone Evans Group Team: Riley Thoubboron The phrase “Go West, young man” may be credited to author and newspaper editor Horace Greeley, but it could easily apply to Riley Thoubboron (pronounced “Thaw-Burn”), The Millstone Evans Group's Chief Compliance Officer.