Tammy Hardy CFP, Thrive Private Wealth Strategies

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11/02/2026

Would you know where you stand financially if you had to stand alone?

A TheStreet piece this past week (Oct 24) pointed to a 2026 survey of 3,004 Americans by the law firm Henderson & Henderson. In it, one in five married people said they want to leave their marriage but can't afford to. Housing costs and shared debt were the top barriers.

That number stayed with me. It isn't really a story about divorce. It's about how often our financial lives are so intertwined that we can't see our own picture clearly.

Plenty of women in strong, happy marriages couldn't answer these questions today:

What do we own, and whose name is it in?
What would my income be on my own?
Who do I call first if something happens?

You don't need to be planning an exit to deserve those answers. Clarity isn't a sign of distrust. It's what lets you make choices out of confidence instead of fear, whether you're married, divorcing, widowed, or somewhere in between.

If you've been meaning to get a clearer view of your own financial picture, I'm always glad to have that conversation. No pressure, no judgment.

11/01/2026

Okay, real talk: what did you do with your extra hour this weekend? 😄 Sleep in? Coffee on the porch?

If you haven't spent it yet, here's my vote: pull out your beneficiary forms.

Your 401(k), IRA and life insurance will usually go to whoever is named on those forms, even if your will says something different. And so many of us signed them years ago and never looked again.

That's especially important if life has changed. If you've divorced, an ex could still be listed. If you've lost your spouse, there may be no one named as backup. If a grandbaby has joined the family (I know a little about that! 💕), you may want to update who's on the list.

It's one of the simplest, most loving things you can do for the people you care about.

Comment "DONE" when you've checked yours. I'll be cheering you on! 👇

10/31/2026

Halloween shares the day with something you might not know about: World Savings Day, celebrated since 1924. 🎃

So here's my no-tricks, all-treat challenge for this weekend. Pick ONE:

✔️ Set up (or bump up) an automatic transfer to savings, even a small one ✔️ Check that your emergency fund matches the life you have now ✔️ Look at your retirement contribution and see if there's room to add a little before year-end

Future you will thank present you. That's the best kind of treat.

Which one are you picking? Tell me below. 👇

10/31/2026

Stocks spent the week in a bit of a mood. The major indexes slipped, with technology shares taking the hardest hit, as investors circled back to a question that's been simmering for a while: how much are the big AI-focused companies spending to build out all this new technology, and when does it actually start paying for itself? A few of the best-known names in that group had rough days after their earnings reports didn't fully ease those worries — a reminder that even the biggest, most exciting growth stories eventually have to show their math. Think of it like a family mid-kitchen-renovation: everyone's excited about the finished product, but when the contractor's bills keep climbing and you're still eating takeout months later, it's only natural to start asking when the new counters actually arrive.

Separately, the Federal Reserve met this week and chose to leave interest rates right where they are. It helps to think of the Fed a bit like the thermostat for the whole economy: when prices are running warmer than it would like, the Fed gets hesitant to turn things up further by cutting rates, even when everyone would love to hear otherwise. The latest inflation reading came in a touch hotter than hoped, so for now the Fed is holding steady and watching closely. Some investors are even starting to wonder whether its next move could go in the other direction later this year, rather than more rate cuts.

On top of that, tension overseas pushed oil prices higher, which tends to make the inflation picture a little stickier, and a major cryptocurrency exchange had a very rough week after a large hack — a good reminder of just how different that corner of the market still is from the diversified, long-term investments most of you hold. None of this changes the fundamentals of a well-built plan.

10/30/2026

Did you know that almost anyone can call themselves a “financial planner”?

It’s true. No special credential is required to use that title. So when you’re facing a big decision, like after a divorce, after losing a spouse, or when you’re finally ready to take the reins, how do you know who you’re really trusting?

That’s what the CFP® mark tells you. To earn it, a professional must:
✔️ Hold a bachelor’s degree and complete CFP Board–registered coursework
✔️ Pass a 170-question exam taken in a 6 hour session
✔️ Complete 6,000 hours of financial planning experience (or 4,000 hours through an apprenticeship)
✔️ Pass a background check and commit to acting as a fiduciary, which means putting your interests first

When your life has just changed, you deserve guidance held to that standard.

As National Financial Planning Month wraps up, I have one request: whoever you work with, check their credentials. You can look up any CFP® professional at cfp.net/verify-a-cfp-professional.

And if you’d like to talk about where you are and where you want to go next, I’d love to hear from you. Send me a message or visit thrivepws.com. 💙

10/30/2026

$427,000. 👀 That's how much a woman in Maryland can lose in earnings over a 40-year career, according to a new state report this month.

Here's what doesn't get talked about enough: that gap follows you. Lower earnings usually mean smaller retirement contributions, a smaller Social Security benefit, and less cushion. It often shows up hardest after a divorce or the loss of a spouse, when the plan suddenly runs on one income: yours.

The good news? Gaps can be planned around. Knowing your own numbers is the first step.

💬 Did this number surprise you? Tell me below. 🔖 Save this, and share it with the women in your life.

10/29/2026

For a lot of the women I work with, health insurance was simply handled. It came through his job, and you never had to think about it.

Then life changes. A divorce is finalized, a spouse passes, or someone retires before 65. Suddenly "What covers me now?" is one of the most stressful questions on the list.

If that's you, or someone you love, here are the dates to circle: 📅 Nov 1: the Marketplace opens for 2027 coverage 📅 Dec 15: enroll by this date for coverage starting Jan 1 📅 Jan 15: HealthCare.gov closes (some states use different dates)

Two more things worth knowing: ✔️ Losing coverage usually opens a special enrollment window, so you may not have to wait for open enrollment at all. ✔️ The extra premium subsidies of the past few years expired at the end of 2025, so 2027 costs may look different from what you're used to. Compare plans carefully before you renew automatically.

Health insurance is a big part of your new budget. It's worth planning around, not just reacting to.

Is this something you've had to figure out on your own? Share in the comments, because your experience might help someone else. And if you'd like to talk through how it fits into the bigger financial picture, my door is always open. 💙

10/28/2026

It's National Chocolate Day, so I have one very important question for you. 🍫

Dark, milk, or white?

I'll go first in the comments. Then tell me yours, plus bonus points for your favorite brand or the treat you'd never share. (We won't judge. Much.)

Happy National Chocolate Day, friends!

10/27/2026

What if the years you assumed were "too late" turn out to be some of your strongest saving years?

I hear this often from women in their late 50s and 60s, especially after a divorce or the loss of a spouse: "I'm starting over at the worst possible time."

The 2027 numbers point the other way. New projections released this week put the 2027 401(k) employee limit at $25,500. Workers ages 60 to 63 can also make the enhanced "super" catch-up contribution created by SECURE 2.0, projected at $11,750. Together that comes to an expected $37,250 a year into a workplace plan for anyone in that four-year window. The IRS should confirm the official figures in November.

For a woman rebuilding on one income, that window deserves attention:

Ages 60–63 is a specific, limited window. It closes at 64.
Your settlement or survivor assets aren't the whole plan. Your own contributions still count.
Pre-tax or Roth matters, depending on your income and your plan's rules.

Late isn't the same as too late. If you're in this window, or about to be, now is a good time to look at what your contributions could do for you.

If you'd like help working out how that fits your own picture, I'm always glad to talk it through.

10/26/2026

Today is National Financial Crime Fighter Day. Here's the one rule I wish everyone knew:

Real financial professionals never rush you.

Scammers count on urgency. "Your account is frozen." "Act in the next hour." "Don't tell anyone, it's confidential." When a call, text or email makes you feel you have to decide right now, that pressure is the red flag.

The FBI says Americans 60 and older reported more than $7.7 billion in fraud losses in 2025. And the women I work with are smart and capable. Scammers just love to show up during big transitions, when there's grief, paperwork and new accounts everywhere.

So give yourself permission to pause. Hang up. Call the institution back at a number you look up. Talk to someone you trust.

Have you ever gotten a call that felt "off"? Share what tipped you off. You might help someone else spot one. 👇

Address

1317B Third Avenue
Conway, SC
29526

Telephone

+18439150034

Website

http://Www.thrivepws.com/

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