179 | For Widows: Fulfillment After Tragedy with Krista St-Germain

179 | For Widows: Fulfillment After Tragedy with Krista St-Germain

Welcome to episode 179 of Profit Boss® Radio! In this episode, we’re talking about grief, post-traumatic growth, and how to create a future you can get excited about in the face of loss. 

Joining me for this conversation is Krista St-Germain. She’s a Master Certified Life Coach, grief expert, mother, and a widow, as well as the host of the Widowed Mom Podcast. After her husband was killed by a drunk driver, she discovered life coaching, and now coaches and teaches other widows how to love life again, too.

In today’s episode, Krista shares the story of how she found the tools she needed to move forward, how to heal from our toughest traumas and biggest losses, and the important conversations (including a few about money) she’d wished she’d had before it was too late.


Here’s what you’ll find out in this week’s episode of Profit Boss® Radio

  • What to say (and what not to) to people as they navigate their grief.
  • How to share life-altering news with your loved ones.
  • Why Krista doesn’t believe in healing timelines.
  • Why so many people procrastinate when it comes to tough conversations they need to have–and how this hurt Krista in the wake of her husband’s death.
  • What Krista’s coaching for widows consists of.
  • The financial factors and challenges underneath traumatic loss–and why no sum of money can buy safety.


PBR Clip: Don’t Procrastinate, Prepare for the Unthinkable

Resources and Related Profit Boss® Content

Enjoy The Show?


Hilary Hendershott: Well, hello, profit boss. Welcome to this amazing episode of Profit Boss Radio. I have with me a unique sort of guest. She has a life experience that I think will be significant and meaningful for many of us. This is probably a show you’re going to want to forward to some friends. Krista St-Germain is a master certified life coach. She is a grief expert. She’s a widow. She’s mom and host of the Widowed Mom Podcast. When her husband was killed by a drunk driver in 2016, her life was completely and unexpectedly flipped upside down. After therapy helped her unfurl from the fetal position, she discovered life coaching, post-traumatic growth, and learned the tools she needed to move forward and create a future she could get excited about. Pretty amazing. So, now she coaches and teaches other widows so they can love life again, too. 


Hilary Hendershott: Okay, Krista, correct me if I’m wrong, but you probably never planned to be a grief expert. 

Krista St-Germain: No. 100% no. I’m coming up on five years since Hugo died and, no, definitely was not the plan. 

Hilary Hendershott: Were you working before he died? 

Krista St-Germain: I was working. In fact, we worked together. And so, I was managing a team of project engineers and he was an engineer. And so, we worked at the same company. He’d been there for 20 years. I’d been there for 10. And, yeah, I never really envisioned myself doing any sort of grief work. 

Hilary Hendershott: And did you leave that job because of what happened? 

Krista St-Germain: No, not really. Actually, it was wonderful to work where people knew him. So, I went right back to work. About six weeks after he passed, I was back and I stayed there. As I was working, though, I was also experiencing life coaching for myself. I was kind of back at that place where everyone was telling me how strong I was. And from the outside, I looked like things were fine but I wasn’t feeling fine. I was feeling empty and robotic and hollow and trying to figure out surely this can’t be it. And so, I happened to find life coaching and I ended up loving it so much that I decided to leave that job to pursue it. 

Hilary Hendershott: Okay. All right. And so, let’s just start with, I think, something that’s top of mind for – because everyone knows someone who’s lost someone. What is the empathetic, sympathetic way to address a widow? “I’m sorry for your loss,” just feels so useless. 

Krista St-Germain: I don’t know that we’re ever going to get it exactly right, and I think part of the problem is that we keep trying to do it perfectly and so then we end up either avoiding it or not doing it at all. You know, I think it’s easier just to empathize and be honest and speak from your heart than anything and remember that your job is not to make them feel better. 

Hilary Hendershott: What is their job? 

Krista St-Germain: Just to be there and witness how they are feeling. 

Hilary Hendershott: Okay. 

Krista St-Germain: Right? To love them as they feel it.

Hilary Hendershott: Is there anything you just wish people wouldn’t have said? 

Krista St-Germain: “Don’t worry. You’re young. You’ll find someone else.” Right? Yeah. All kinds of things that people say because they think emotions are problems and so they’re trying to fix your feelings and they’re trying to make you feel better. 

Hilary Hendershott: Yeah. You know, I have a client who lost her son to suicide, and he’s my age. So, definitely a tough thing. And one of the things she confided in me is that she wants to talk about him and she really says like other people don’t. 

Krista St-Germain: Yes. Other people were usually, again, we’re so worried that we’re thinking, “Well, maybe they’re not remembering it. And if I bring it up, that will make it worse.” But what’s actually happening typically in the griever’s mind is it’s very front of mind for us. We’re never not thinking about it. And so, it’s actually refreshing when someone else acknowledges what is our 24/7 reality. That’s why I loved working with people who knew Hugo because they missed him, too, and they wanted to talk about him and that was very helpful for me. 

Hilary Hendershott: So, it’s okay to just bring it up, “I miss him. This is awful.” Just the incomplete communications that people say inside grief as long as they’re authentic and honest. 

Krista St-Germain: Yeah. And just don’t try to fix it. 

Hilary Hendershott: Yeah. Not trying to have you not feel.

Krista St-Germain: Right. 

Hilary Hendershott: Okay. Do you have children? 

Krista St-Germain: I do. Two. 

Hilary Hendershott: Okay. And how old were they when he died? 

Krista St-Germain: They were 12 and 9 and they were not his biological children. So, he was my second marriage so I had a 12-year-old and a 9-year-old and he had a 17-year-old from his first marriage. 

Hilary Hendershott: Okay. And were you the one to tell them about his death? 

Krista St-Germain: I was the one to tell my children about his death. His son was with us in the hospital. I got him there pretty quickly because he was a little bit older but, yeah, that was probably the hardest conversation I’ve ever had in my whole life was to tell my children, 

Hilary Hendershott: Are you able to use your coaching wisdom to support your kids’ grieving? How’s that? Any words of guidance for listeners about telling children about something life-altering like that? 

Krista St-Germain: Yeah. I wish I could just give everybody the magic pill of how to do it and make it not hurt but that’s just not the world we live in. I think you just need to be honest. And again, emotions aren’t problems and we don’t need to fix them and the same thing applies to our children. So, whatever they’re feeling, it’s valid, it’s legitimate, and it’s not a problem, and we just want to be with them as they experience whatever they’re meant to experience. That was different for all of my children. 

Hilary Hendershott: I bet. Tell us a little about your timeline. How long did it take? I’m sure you were just processing for many months but when was your lowest emotional point and at what point could you begin to see the light? A light? 

Krista St-Germain: That’s such a good question. So, I had a therapist in my back pocket from my first marriage. When I had gotten a divorce, she had helped me years before. And so, I immediately went back to her and I found that to just be very useful in terms of talking about it and really articulating out loud what had happened so that I could get myself to the place where I could actually accept that it wasn’t just a nightmare and I just needed to tell it, right, and talk about it. And so, I did that for quite a few weeks. I did a lot of journaling and then at a certain point feeling well enough to go back to work. I went back to work. I don’t think that there was ever one particular super low moment. I think the body has an amazing way of blocking all of the intense emotion in the beginning. Not to say that it wasn’t intense because it absolutely was, but it almost felt like it was dripped out a little bit. So, you’re kind of it’s intense but you have this numbness and disbelief which allows you to just not completely disintegrate. And so, then gradually it just kind of, for me, started to sink in that he’s really not on a business trip. It really is true. This really has happened. And so, it was just layers of it, right? Yeah. 

Hilary Hendershott: In your experience, you’ve had the opportunity now to meet lots of other people who have been and are grieving and through grieving. What is a reasonable timeline, do you think, to begin to feel better? How long does it take? 

Krista St-Germain: I really don’t like to assign timelines, and the reason is because I find that people use them against themselves and they do it in a couple of ways. One is that they tell themselves that they should be farther along than they are. They will hear, “Ooh, I’m supposed to feel better by now so there must be something wrong with me,” and then they don’t actually allow themselves to feel how they feel, which is a necessary part of healing. And also, sometimes if they think it is based on a certain timeline, then what they end up doing is really white-knuckling their way just to let the time pass or they end up distracting themselves by keeping busy or using other avoidance behaviors to not feel the feelings because they’re so caught up in the idea that if I can just make it to this particular piece of time, that it will be better. And that’s really not at all how it works. So, we just want to relax and let ourselves feel how it is that we’re feeling and not worry so much about the timeline. Even we’re coming up on five years, even this summer, I call them grief grenades, had quite a few unexpected grief grenades. It would be really easy to judge myself for but I think that’s just the way of grief. It’s different for every person and timelines really don’t help. 

Hilary Hendershott: Good to know. Good on that. I want to talk about finances a little bit and then I want to talk about post-traumatic growth. So, what financial plans did you have when he died that you were grateful for? 

Krista St-Germain: Not much. Let’s be honest. Yeah. So, I mean, I ended up being grateful for the life insurance policy that existed and for him just being a fiscally responsible person but it really wasn’t something that we had talked about at all. It really wasn’t something that we had planned for. And so, I just got lucky. And a lot of people don’t find themselves in the position that I found myself in but I was really unaware of, I didn’t know his passwords. I didn’t know where things were. There’s just so much I didn’t know. And one of the saving graces was that we worked together. And so, the people at his company, which was also my company, walked me through everything that had to do with the life insurance policy from work and his benefits from work. But, no, we did not have the necessary conversations and I was not financially prepared. 

Hilary Hendershott: Okay. So, what are you now coaching people to do? What do you wish you had done? 

Krista St-Germain: Yes. Well, have the difficult conversations, for one. It’s nice to think that nothing will ever happen but I wouldn’t stake my claim on that. And so, have the conversation. Understand what you’ve got in place. Don’t procrastinate. I see a lot of that. It’s very painful for women especially, they encourage their spouse to take steps that were never taken or thoughts that things were handled that weren’t handled, really had been so completely disengaged that it’s not just a matter of jumping in and taking over. It’s really a matter of having no concept of what exists and where it is and how to find it and who to call. And so, I just think the more prepared you can be the better. So, passwords, for one. Do you have a LastPass? How do you have that organized and could your partner find it if they needed it? Would they know who to call at your company? It’s those little details if we can be prepared, yeah, way better.  

Hilary Hendershott: What did people and maybe you’ve already answered this, but what did people do for you that supported you and made life a little bit easier in the aftermath? 

Krista St-Germain: Yeah. So many things. I had one of my friends, so we happened to be coming back from a trip that I’d been doing this. It’s a camp for kids who are blind or visually impaired called Heather’s Camp, and it’s named after a friend of mine who died when she was 25. Anyway, we had come back from this camp and I’m very invested in this and so many of my friends are part of this program. And so, my Heather’s Camp family rallied hard around me. They were all immediately at the hospital. You know, one of them kind of designated herself in charge of my public relations and she fielded all communication and basically took over. One of them bought all of the school supplies for my children because it was August and school is about to start. I didn’t ask. They just did it. Some of them mowed my lawn. I didn’t ask. They just did it. They brought me food. I mean, you name it, they just rallied. Not everybody’s in that position, but I was very, very blessed. One of my son’s teachers, without me knowing it, went to the principal and arranged for him to get a different teacher because we were about to start the school semester and she didn’t think that the teacher he was assigned would have a soft touch and she knew he would need that. And so, she went to the principal and switched teachers to make sure that my son was well taken care of. Yeah, I mean, I had and still do have a great village. 

Hilary Hendershott: Yeah. Moms come through, huh? 

Krista St-Germain: Right. 

Hilary Hendershott: Okay. So, the term post-traumatic growth is obviously distinct from the thing we most often hear, post-traumatic stress disorder. So, tell me what should we know about that. 

Krista St-Germain: Yeah. I think everyone is familiar with post-traumatic stress disorder and post-traumatic growth is something that was a phrase coined in the 90s by a couple of researchers, Tedeschi and Calhoun. And what they kind of inadvertently discovered was that this old idea that following a trauma, the best thing we could hope for was just to get back to normal that we could actually not just bounce back to where we were prior, but that we could actually take a trauma and bounce forward with it. We could actually use that trauma to improve our life satisfaction, to deepen our spiritual connection, to get more aligned with our values and our purpose, to improve the quality of our relationships. And so, it just really redefined what’s possible after trauma. It’s not just about recovering. 

Hilary Hendershott: This may be a really simplistic question so forgive me if I’m trying to break this down further than it can be broken down but how do you accomplish that? What’s the key to that? I mean, I myself in my life have experienced pain as a portal but not that kind of pain. 

Krista St-Germain: Yeah. Well, it’s not something we do overnight. I think part of it has to do with just a decision that we make. First of all, we have to even know that it’s possible. So many widows that I work with, they’re really just trying to resign themselves to the new normal that they think is the best that’s possible for them. They didn’t ask for this new normal and the thought in the back of their mind is, “Well, I guess I’ll try to get used to it.” And what that really means is, “I’m no longer going to love my life.” 

Hilary Hendershott: Right. If I’m lucky, I’ll get okay with it. 

Krista St-Germain: If I’m lucky, yeah, I’ll get okay with it. I’ll get back to that place where I’m surviving but I’m definitely not loving my life. So, first, we have to just even consider that it’s possible. Most of us don’t even know that it’s possible to go on and use that as a way to love life even more. And so, first, we have to know it’s possible and then we just have to start examining all the things and being open to the idea that just because we’ve lived life a certain way, just because we’ve thought about things in a certain way, doesn’t mean that if those patterns aren’t serving the life that we want to create in the future that we have to keep doing it that way. And so, we have to be kind of malleable. 

Hilary Hendershott: And so, is there a structure or methodology to your coaching? Does it look like talk therapy? What are you doing with women that’s unique to this kind of coaching? 

Krista St-Germain: Yeah. So, I teach something called the model, the self-coaching model. Different people call it different things, but it’s basically a very elegant but simple five-line system that teaches you that it’s not the things that happen in your life that cause your emotional experience of life. It’s the way you think about what happens to you. So, the way you think creates how you feel and the way you feel determines how you behave and how you behave is what creates any particular result in an area of life. So, everything that I teach is through that lens, which is here’s why I’ve created, for instance, the amount of money that I’ve created. Here’s why I’ve saved the amount of money that I’ve saved. What are the beliefs that I have about money that have created the feelings that I have about money that have driven my money behaviors? And we go through all the areas of life that widows usually struggle with and apply that tool. 

Hilary Hendershott: I think the thing for me and you don’t know this about me, but my two-year-old daughter was diagnosed with leukemia. And I got to that emotional place where I was imagining being the mother of a dead baby, I mean, literally. And my concluding thought was I don’t know how I would ever get okay with that life. I don’t know how to live that life. Because it felt like so much out of my control like I’ve had struggles in my life but never something that traumatic, never something that would never go away like I imagined every day waking up and having to go through the whole memory process of it. And so, I’m not exactly sure, I know I’m not articulating a question clearly right now. I guess I’m just wondering if there’s – you’re surrounded by widows, these women who have had that same kind of out-of-control loss like, “I didn’t choose this. This isn’t the life I planned. I would have done things differently if I had known,” maybe like regret, probably self-blaming. And so, is this just an amped-up version of the kinds of traumas most of us have been through? In other words, is what you’re saying that it’s still surmountable? And I’m wondering, there must be that spiritual connection that comes into play? It must be because I just couldn’t fathom it. I’ve talked a lot. What would you say to that? 

Krista St-Germain: Yeah. That was so good. It’s almost like you’re in my group. Like you just kind of like and imagine, yeah, it really is that there are things that happen to us in life that we can’t control and then there’s how we choose to respond and that’s oversimplifying it but really that’s it at its core is just deciding, okay, when this happens, who am I going to be? And guiding people through that process, not because I know any better about who they’re going to be or what they want in their life. They are the ultimate authority. But because I can see what gets in their way of them living the life that they want and being who they want to be, the guilt and the regret and the shame and the resistance and all of it. 

Hilary Hendershott: Yeah. I can hear that. It’s like choosing to be someone you didn’t know you could know how to be. Okay. And so, how long do you work with folks? Structurally, logistically, what does your coaching look like? Is it unique to each client? 

Krista St-Germain: Well, yes and no. The core program that I run is a six-month program. And so, my goal is that by the end of six months we’ve gotten through what they came to work on and I’ve given them the tools that they need to be able to manage their emotions and manage their mind and self-coach and they’re well poised to be successful after the six months. But what I find is that a lot of women just fall in love with the community and they fall in love with coaching and they end up staying. So, I have a continuation program after the six months and I’ve got some women who now they’ve been with me for a couple of years and I don’t see any signs that they’re leaving. But it’s not from a needy-graspy place. It’s because they just love the community and they love having someone support them and help them and they love the continued growth. So, six months is the minimum, but I don’t typically kick anyone out after that. 

Hilary Hendershott: Okay. And it’s a mastermind type format. In other words, it’s a group-facilitated discussion. 

Krista St-Germain: It’s group coaching, less facilitated discussion, but group coaching. So, it’s kind of Brady Bunch style. I coach one person at a time while everyone else watches and figures out how can I take the coaching that that person is getting and apply it to my life? Where in my life am I doing the exact same thing that this other person is doing, even though the circumstances are different? And I find it’s very easy, in fact, easier to absorb the coaching when you’re watching someone else get coached because your brain is not resisting the coaching. It’s really easy to see the problem and the solution in someone else’s life and then find where you’re doing the same thing. So, often I’ll coach someone, and then the very next person will say, “Actually, what you just coached her on, I didn’t even know that’s what I needed help with but that’s what I needed. Thank you.” 

Hilary Hendershott: Right. And so, do you want to say anything about your own? You mentioned the word spirituality. Do you want to say anything about your own spiritual development as a result of this? I’m not sure if there’s anything fully articulated that you would say about that. 

Krista St-Germain: Yeah. I mean, some people have quite the spiritual crisis after a loss of this magnitude. And for me, I just never did. I was never really angry about or angry with my perception of God at all. I’m just of the belief that I don’t have to understand exactly why things happen. I don’t have to believe things are always happening according to some divine plan. 

Hilary Hendershott: Right. Or that there would always be good outcomes. 

Krista St-Germain: Or that there would always be good outcomes. Yeah. Any of that. But just that my job is just to show up as the best version of myself and love people and myself as best I can. And sometimes bad things just happen. We don’t have to know why. 

Hilary Hendershott: Yes. Sometimes bad things happen to good people. So, you haven’t said specifically, but you have inferred that you have a life now that you can get excited about. That was in your bio. Tell me a little bit about that. What are you excited about now? 

Krista St-Germain: Well, for one, I just love what I do. I didn’t hate what I did before but my heart really wasn’t in it. It was just a job that I live in Wichita, Kansas and some would call us the air capital of the world. We build a lot of planes here. And so, a lot of people work in aviation. It’s just kind of what you do here. And so, that’s just where I ended up. It’s just what I was doing. Hugo had a passion for planes. He loved them. He loved aerospace. It was really his thing. So, he had a different work experience than what I was having. For me, it was just a nice, comfy job that paid the bills and I like the people but my heart wasn’t there. And so, my heart is fully in what I do now. It doesn’t feel like work to me. Literally, I was talking to my partner earlier that over lunch and just saying I cannot believe I get paid this well to do something that I absolutely adore. I just genuinely love it and it has afforded me a lifestyle that’s so much better than the one that I had before. I’m so much more independent financially. I’ve gotten out of the time for money equation. The security comes from a company idea. Yeah. I create that for myself. The income potential is unlimited and it’s intensely rewarding 

Hilary Hendershott: That is awesome. So, if there’s a widow or a friend of a widow listening, what message would you have for that person? What would you want that person to know? 

Krista St-Germain: Now, show yourself some grace. You’re not going to say all the right things and you don’t have to do it perfectly, right? Just show up for that person and love them. I’ve done a couple of podcast episodes on those kinds of subjects to help people who are trying to support others through grief. So, I would recommend one is called For Those Who Love Us. And so, that would be a good podcast for people to listen to if they’re trying to support someone who’s grieving. It’s okay to still invite them to things, even though you might be worried that they’re going to feel left out or they’re going to say no, just keep being you. Just keep extending the invitation and it’s okay if they say no but probably they’re going to come around. 

Hilary Hendershott: You don’t have to get weird. 

Krista St-Germain: You don’t have to make it weird. One of the best things someone did for me is one of my coworkers just offered to take me to the bookstore. She was like, “You just want to go to the bookstore and we’ll just go grab coffee and look at books.” It was like shopping, parallel shopping. We weren’t even having that big of a conversation but it was just something normal to get me out of the house and be with people. 

Hilary Hendershott: And so, your podcast is the Widowed Mom Podcast. It’s best to communicate clearly what you’re talking about. 

Krista St-Germain: I’m very clear. You cannot miss me. 

Hilary Hendershott: Nobody has to say, “What is that about?” And then we need to link to your coaching program. Is that CoachingWithKrista.com

Krista St-Germain: Yes. 

Hilary Hendershott: Okay. All right. We’ll put that on the show notes. Is there anything we missed or I didn’t ask about today? 

Krista St-Germain: You know, I mean, I could talk about money for days. I said plan in advance but if you’re in that place where you didn’t plan or you’re having a lot of money discomfort, whether it’s because you have more money than you thought you were going to have or less money than you thought you were going to have, I would just like to normalize all of the emotion and the worry and fear and guilt and shame and embarrassment, all of that stuff that comes up around about money that makes it hard to talk about and encourage women to have the conversations that they feel uncomfortable with. Because there’s nothing wrong with you if you’re scared about money or if you’re embarrassed of the money that you have or worried about what other people might think about, maybe life insurance money that you got. And I find that a lot of people want to hide that. They don’t want to talk about it. And so, it’s very liberating when they actually allow themselves to have conversations about what’s really going on in their mind and in their heart as it relates to financial matters and it’s important to be able to do that. 

Hilary Hendershott: Well, I specialize in working with women and I even have, I mean, I guess even sounds weird, but I have sections on my website, on my blog about widows and money, and I’ve had widows get almost assaulted with financial advice by people in their life. And I think I have had widows treat me in ways, it was just very clear that there was a high degree of mistrust. That has nothing to do with me. That has to do with the space they’re sort of thrust into and it’s been sad for me because I thought I’m set up to really serve you, to work well with you. I’ve had some really weird conversations. People pick the strangest things to make them suspicious and I’ve posted things like it’s okay to decline financial advice you didn’t ask for or pay for. I don’t know if you had people showing up in your life popping up unrequested and offering you, telling you what to do with your money. Probably women in your group have that. 

Krista St-Germain: I think, yes, and also sometimes, though, they just don’t ask for the support that they could use because they’re so fearful that they’ll do it wrong or mess it up or make the wrong decision, or they have such guilt and shame about how the money came to them and they don’t want it. There’s a part of them it’s like they want it but they also want to reject it at the same time and so they will ignore it and pretend it doesn’t exist or hide it from other people and then not get the confidence around their finances that it really is available to them. 

Hilary Hendershott: Yeah. Many grief experts recommend a decision-free zone. So, not doing anything with the money for I think the time period I’ve heard most often is a year. 

Krista St-Germain: Which is really hard to do. I mean, maybe you can decide not to sell your house necessarily but oftentimes you’re being told conflicting information, “Don’t make decisions, but OPS we really need you to make this decision.” Yeah. 

Hilary Hendershott: Yeah. It’s hard. It’s hard either way and it’s hard to be in charge of your life and the kids and your career and the money. And your own grief. It’s a lot. Yeah. 

Krista St-Germain: So true. 

Hilary Hendershott: So, thank you. So, you said you can talk forever about money. Anything I didn’t ask that you feel is a core message that you give to the folks you coach that you didn’t already say? You’ve said a lot. 

Krista St-Germain: I know, like how long do we want to go? So, one of the core things that you do about money is that it’s neutral. It doesn’t cause your feelings, it doesn’t create your security. You know, there is no amount of money that will ever make you feel safe. There is no amount of money that will ever make you feel confident because it’s really the story that you tell yourself about money and what it means to you. And so, you’re in charge with your relationship with money based on what you choose. And I think most of us aren’t questioning our relationships with money. We don’t know that our relationship with money is optional. We don’t know that we can change it if we don’t like it. And so, we don’t put ourselves in that empowered place and we just keep recreating more of the same. 

Hilary Hendershott: Well, I think I hear what you’re saying is the same thing you said about being someone who has this circumstance in your life is that you get to choose who you be about it. And the message is the same. It is the same money that ultimately you inherited a relationship to money, you inherited a tragic situation, but you don’t have to inherit a negative relationship to the money. 

Krista St-Germain: Yes, 100%. Very well said. 

Hilary Hendershott: Yes. That you will create that. 

Krista St-Germain: Yep. 

Hilary Hendershott: Very good. Well, thanks for helping me round that out. I appreciate it. We’ll link to all the things. We appreciate you taking the time beyond Profit Loss Radio. 

Krista St-Germain: Yeah. Thanks for the invitation. I appreciate it. 



Hendershott Wealth Management, LLC and Profit Boss® Radio do not make specific investment recommendations on Profit Boss® Radio or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.