This episode of The D Shift highlights the importance of knowing your options, particularly when going through a gray divorce. Mardi Winder-Adams is joined by Laura Phillips, a respected and seasoned reverse mortgage specialist. Together, they explore the realities and misconceptions surrounding reverse mortgages. Laura brings more than three decades of experience in mortgage lending, and her passion for helping older adults navigate this little-understood financial option is evident throughout the conversation.

Laura traces the origins of reverse mortgages to the Reagan era, clarifying that these products are government-regulated loans intended for homeowners aged 62 and older. She dismantles some of the most stubborn myths, like the fear that the government will take away your home or that a you can be left unprotected. Instead, Laura explains, homeowners retain full title, and the loan simply functions as a means to convert home equity into usable cash, either through lump sums, monthly payments, or lines of credit, all without the obligation of a monthly mortgage payment.

They share a practical comparison between reverse mortgages and traditional HELOCs, highlighting how reverse mortgages can be especially useful for those with limited income in retirement, offering flexibility without demanding repayment until the homeowner sells or moves out of the property. Laura also notes recent legislative changes that further protect borrowers, ensuring better safety if both spouses reside in the home.

The discussion extends to considerations for anyone looking to age in place, including the ability to use reverse mortgage funds to modify homes for accessibility or to pay for in-home care. Laura urges listeners to approach these decisions thoughtfully, consult professionals, and always disclose their circumstances honestly, especially when dealing with properties that have rental units or additional occupants.

This episode is a great resource for individuals contemplating their financial future after divorce, widowhood, or simply as part of their retirement planning. Laura’s expertise makes the sometimes-intimidating topic of reverse mortgages feel much more manageable and relevant for anyone seeking clear information on the subject.

About the Guest:

Laura Phillips is a Licensed Reverse Mortgage Specialist with a mission to guide people through the entire HECM/Reverse loan process, so they feel confident about the options available for their next 30-year financial strategy. From helping real estate professionals, customers, and financial advisers navigate home financing, she helps customers find mortgage solutions that work for them. 25+ years of experience in real estate lending have taught Laura that it is not just a person’s house; it’s their home, and it’s one of the most significant financial commitments a person will make in their life.

She helps people devise strategies to enjoy their best years in their family homes. Licensed in Colorado, Arizona, California, and Florida, Laura specializes in the standard FHA HECM and proprietary PortfolioJumbo Reverse loans. As a Broker, she works with several primary reverse lenders, providing loans to enhance a client's cash flow, preserving retirement assets, or purchasing a home that meets future needs. Married 35+ years, a mother of two amazing daughters, and a pet guardian of a rambunctious King Shepherd, a German Shepherd hybrid. Having hailed from many states, all west of the Mississippi and a couple of overseas homes, she gladly calls Colorado home.

To connect with Laura:

Website: https://lauraphillips.com/

Linkedin.com/in/laurawphillips

YouTube.com/@laurawphillips

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in

In this episode, Mardi Winder-Adams has an uplifting conversation with Stephanie McPhail, who is not only a certified crisis counselor but also someone who has been through the highs and lows of divorce. Stephanie shares how, despite looking like she had it all together as an accomplished teacher and professional, she was struggling behind closed doors in a difficult and even abusive marriage. Her story will resonate with anyone who's ever felt isolated, embarrassed, or stuck in the idea that they must keep up appearances while holding things together.

Stephanie talks about how easy it is to get trapped in comparison, whether it's looking at others in equally unhealthy relationships or scrolling through social media and seeing everyone's happy posts while you're feeling lost or overwhelmed. She discusses the pressure, especially on high-achievers, to pretend everything is fine, even when it's not, simply because opening up can feel risky or shameful. Mardi adds from her experience as a divorce coach and advocate, reinforcing how common these feelings are, and they both agree that the secrecy and pressure to handle everything alone can make things so much harder than they need to be.

They also break down some of the traps people fall into during and after divorce, like waiting until things are legally finalized before reaching out for support, or expecting your lawyer to guide you through emotional healing, when you may need someone who understands the whole picture. Stephanie introduces the Divorce Support Network, a practical resource she co-founded that matches people with specifically vetted professionals, from financial advisors and therapists to real estate agents and mechanics. The goal is to make sure nobody has to fumble through the process alone, so you can spend less time worrying about where to turn and more time focusing on your own well-being and future.

Throughout the conversation, there's a reassuring message: however you're feeling right now, you're not alone, and it is possible to create a new, fulfilling chapter after divorce. With the right kind of help and community, the process doesn't have to be isolating or overwhelming.

About the Guest:

Stephanie McPhail is a Love and Life Success Coach and Co-Founder of the largest Divorce Support Network in the United States. She is a certified Crisis Counselor and Coach with a Double Masters Degree in Health and Education and a Bachelors in Psychology. Bringing together people thinking of/going through/on the other side of divorce with trusted professionals to support them through one of the most stressful time of their lives to help ensure they don't make the same mistakes moving forward and instead create a life they love.

To connect with Stephanie:

Website: https://divorcesupportnetwork.com/

All the socials: @divorcesupportnetwork

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook - https://www.facebook.com/Divorcecoach4women

LinkedIn: https://www.linkedin.com/in/mardiwinderadams/

Instagram: https://www.instagram.com/divorcecoach4women/

Youtube: https://www.youtube.com/@divorcecoach4women

Thanks for Listening!

Thanks so much for listening to our podcast! If you enjoyed this episode and think...

Welcome back to another episode of The D Shift: Redefining Divorce and Beyond. Today, host Mardi Winder-Adams is joined by business coach and expert Wendy Vaughan, who brings nearly three decades of experience helping heart-centered entrepreneurs turn their passion into thriving, meaningful businesses. In this episode, Wendy shares her journey from aspiring professional musician to successful business owner, offering a refreshingly honest look at the challenges and the breakthroughs that come with starting over, especially after a major life transition like divorce.

Together, Mardi and Wendy dive into the unique hurdles women face when launching or scaling a business during periods of upheaval, unpacking issues around self-worth, confidence, and clarity. Wendy provides practical strategies for discovering your superpowers, identifying your true audience, and building a business that both sustains you and lights you up inside. Whether you’re considering turning a side hustle into your main source of income or simply seeking inspiration to move forward after a difficult chapter, this conversation is packed with insights, hope, and a free resource to help you begin your own journey to success. Tune in for an episode filled with real talk, actionable advice, and a reminder that you already have what it takes to live the life you truly desire.

About the Guest:

Wendy Vaughan is a Business Coach with 29 years of business development experience. Having made her first million by the age of 30 as an entrepreneur, and helped others to generate over $14.8 million in revenue. Wendy is passionate about helping heart-centered experts make the biggest impact they envision and build businesses they love.

To get Wendy’s gift: https://passiontosixfigures.com/six-figure-business-blueprint

To connect with Wendy:

LinkedIn: https://www.linkedin.com/in/wendy-vaughan-business-coach/

Website: https://impact-makercoaching.com/

Website: https://www.predictablesalesresults.com/

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook - https://www.facebook.com/Divorcecoach4women

LinkedIn: https://www.linkedin.com/in/mardiwinderadams/

Instagram: https://www.instagram.com/divorcecoach4women/

Youtube: https://www.youtube.com/@divorcecoach4women

Thanks for Listening!

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Do you have feedback or questions about this episode? Leave a comment in the section below!

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On this episode, I sit down for an inspiring conversation with Ken Miller, whose story is both moving and full of hope. Ken is an author, speaker, and resilience coach who has faced just about every challenge life can throw at a person. Growing up in foster care and later experiencing a turbulent family life, Ken went from being a promising Ivy League student to living on the streets and spending years behind bars. His journey through addiction and life on the streets is not something he hides. Instead, Ken shares it openly because he believes owning your story is the first step in moving forward.

Throughout the episode, Ken talks about how he found his way out of that dark place by getting real with himself. He shares that telling yourself the truth is essential, even when it's painful. Ken also shares how big a role forgiveness played in his healing process. Ken makes it clear that forgiveness isn't just for the people who have hurt you, but also for yourself. We reflect on the idea that everyone's journey is different, and that there's no set timetable for feeling better after hitting rock bottom. Ken reveals that for him, becoming whole again took years, but it started with a little step, including getting outside his pain, finding supportive people to talk to, and learning to quiet the negative self-talk.

We also highlight how important it is not to compare your pain or struggles to someone else's. No matter what you've gone through, your feelings are real and valid. Ken's message is simple: you have value and are worthy of a better future. Even if you're carrying a lot of pain or regret, you can begin again, and sometimes helping others or reaching out for support is what helps you most. Ken's book, Becoming Ken, weaves these lessons together, offering hope that, with honesty, a willingness to face the truth, and the courage to keep going, it is possible to transform your life one step at a time.

About the Guest:

Ken Miller is a powerful speaker, author, and resilience coach who helps people overcome adversity by embracing truth, courage, and self-worth. After battling addiction and hitting rock bottom, Ken rebuilt his life with honesty and purpose—and now shares that hard-won wisdom to inspire others. With a background in nonprofit leadership and a deep commitment to recovery and transformation, Ken speaks from experience, not theory.

His story is raw, real, and deeply human, resonating with audiences who are ready to face their own struggles and rise stronger. On stage and behind the mic, Ken delivers more than inspiration—he offers practical tools, mindset shifts, and a path to lasting change. Whether speaking about addiction, authenticity, or the power of resilience, Ken connects with listeners profoundly, reminding them that no matter how far they've fallen, there's always a way forward—starting with the truth.

To connect with Ken:

Website: www.kenmillerspeaks.com

Personal Facebook: https://www.facebook.com/ken.miller.10420321

Instagram: https://www.instagram.com/thekenmillerspeaks/

Personal LinkedIn: https://www.linkedin.com/in/kenmiller84/

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook -...

In this episode, I sit down with Ed Vargo, founder and CEO of Burning River Advisory Group, to discuss the crucial topic of financial confidence, especially as it relates to women before, during, and after divorce. Ed shares insights from over 20 years in the financial services industry, explaining how he and his business partner Melana Carbary became invested in supporting predominantly women-led households. Their focus sharpened when they repeatedly saw women emerge from divorce with suboptimal settlements, despite having excellent legal advice, due to misunderstandings or a lack of financial guidance.

Ed emphasizes the unique challenges women face regarding money, including persistent myths such as “I can’t learn money” or “my partner is better at handling finances.” He discusses the risks of these mindsets and highlights the importance of taking an active role in financial decisions, not only for divorce but throughout life. The conversation touches on the emotional baggage many carry about money, shaped by childhood experiences and societal messages, and how these beliefs can directly impact financial well-being and confidence.

We reflect on the necessity of financial literacy as a life skill, particularly noting the limitations of traditional divisions of labor in households. Ed also introduces EnlightenHer, a new educational venture aimed at making expert financial advice and resources more accessible to women at all stages. This thoughtful conversation offers practical perspectives and encouragement for anyone looking to take charge of their financial future, whether navigating a divorce or simply seeking more confidence with money.

About the Guest:

Ed Vargo, Founder and CEO of Burning River Advisory Group, has more than 20 years of experience in the financial services industry, and is a member of the Financial Planning Association® and the Society of Financial Service Professionals. Ed strives to help women develop a long-term financial plan for every stage of life including retirement planning, education/college planning, and helping women transition successfully in cases of death and divorce.

To connect with Ed:

Website: https://burningriverag.com/

LinkedIn: https://www.linkedin.com/in/edvargo/

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook - https://www.facebook.com/Divorcecoach4women

LinkedIn: https://www.linkedin.com/in/mardiwinderadams/

Instagram: https://www.instagram.com/divorcecoach4women/

Youtube: https://www.youtube.com/@divorcecoach4women

Thanks for Listening!

Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.

Do you have feedback or questions about this episode? Leave a comment in the section below!

Subscribe to the Podcast

If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.

Leave us an Apple Podcast Review

Ratings and reviews from our listeners are extremely valuable to us and greatly

Today I am joined by Kristen Curtis, a certified EFT practitioner, Akashic records reader, and spiritual coach who specializes in supporting women navigating divorce and significant life transitions. Kristen shares her approach, which centers on empowering women to reconnect with their intuition and inner strength by drawing on both emotional and spiritual practices. She begins by talking about her own journey and how practices like Emotional Freedom Techniques (more commonly known as tapping) helped her realize the importance of looking within for healing and clarity.

Throughout our conversation, Kristen explains how EFT works by using gentle tapping on specific points of the body to help restore energetic balance, regulate the nervous system, and address emotional challenges such as anxiety, self-blame, and fear. She highlights how EFT can be especially useful for those uncomfortable with traditional talk therapy, as the focus shifts from reliving difficult memories to addressing bodily sensations and fostering self-acceptance in the present moment.

The episode explores common feelings of failure and self-blame that surface during divorce, and Kristen describes how she helps clients cultivate compassion for themselves, even as they process complex emotions. She also touches on the significance of learning to trust oneself and the universe during times of uncertainty, and the importance of allowing space for integration and healing after major life changes. Kristen’s warm, straightforward insights offer listeners a gentle, accessible approach to healing and personal growth when facing transition.

About the Guest:

Kristen Curtis is a certified EFT Practitioner and Akashic Records Reader and spiritual coach. She is passionate about helping women reconnect with their intuition and remember their inner power source beyond trauma. She specializes in transforming deep grief and regaining empowerment through big transitions in life. She is a wife and mama to three boys ages twelve, nine, and two. She is a big foodie and loves enjoying time outside and cheering on her kids at sports events.

To book Kristen’s free 30-minute stress relief session: kristencurtis8613@gmail.com

To connect with Kristen:

Website: www.souleft.com

Instagram: https://www.instagram.com/kristen.curtis.eft/

Facebook: https://www.facebook.com/kristen.curtis.946

LinkedIn: https://www.linkedin.com/in/kristen-curtis-4a65801a9/

Youtube: https://www.youtube.com/@kristencurtis2917

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook - https://www.facebook.com/Divorcecoach4women

LinkedIn: https://www.linkedin.com/in/mardiwinderadams/

Instagram: https://www.instagram.com/divorcecoach4women/

Youtube: https://www.youtube.com/@divorcecoach4women

Thanks for Listening!

Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.

Do you have feedback or questions about this episode? Leave a comment in the section below!

Subscribe to the Podcast

If you would like to get automatic updates of new podcast episodes, you can subscribe...

In this heart-centered interview, I have the honor of talking with Melissa Deally, an integrative mind-body health practitioner, international speaker, and the founder of Girls Matter, a nonprofit supporting girls’ education in Kenya and Uganda. Melissa shares her thoughtful approach to health, emphasizing that true healing goes beyond just the physical body. She introduces listeners to the idea that we have not only a physical body but also emotional, mental, and spiritual bodies, and that addressing all four is key to overall well-being. Melissa explains how deeply rooted childhood programming can affect our ability to follow through on healthy choices, highlighting the importance of working with the unconscious mind to shift these patterns and create lasting change.

Their conversation sheds light on tools such as timeline therapy and NLP, which can help individuals release stored emotions and reframe old stories, offering hope for those who feel stuck or overwhelmed, especially during difficult transitions like divorce. Melissa also discusses the power of teaching these techniques to children, envisioning a future where young people are better equipped to manage their emotions and mental health.

The episode closes with a look at Melissa’s philanthropic passion: keeping girls in school through Girls Matter and why this mission is so vital for breaking cycles of poverty. Together, we explore practical ways to grow, heal, and contribute, reminding listeners that whether in personal health or supporting others, we all have resources within us and the ability to make a meaningful difference.

About the Guest:

Melissa Deally is an Integrative Mind-Body Health Practitioner, Trainer of NLP, Time Line Therapy®, Hypnotherapy and Magnified Healing®, dedicated to helping clients detox and heal their physical, mental, emotional, and spiritual bodies. With a fully virtual practice, she serves clients worldwide. Melissa is also the co-founder of the *Amplify Impact Academy*, where she trains others in mind-body healing modalities to expand her impact. An international speaker and five-time best-selling author, Melissa hosts the award-winning *"Don’t Wait For Your Wake-Up Call!"* podcast, ranked in the top 2% globally by *Listen Notes* and recognized with the *2024 Women in Podcasting* award.

When not working with clients, Melissa is either outdoors with her daughters, skiing or hiking, or dedicating her time to her non-profit, *Girls Matter*, which focuses on keeping girls in school in Uganda and Kenya, breaking the cycle of poverty one girl, one family, one village at a time.

For Melissa's gift: https://welcome.yourguidedhealthjourney.com/Suggestions

To connect with Melissa:

Email: melissa@yourguidedhealthjourney.com

YGHJ Website: https://yourguidedhealthjourney.com/

Amplify Impact Academy Website: https://amplifyimpactacademy.com

Girls Matter website: https://girlsmatter.ca

Fb: https://www.facebook.com/melissadeally

LI: https://www.linkedin.com/in/melissadeally/

Insta: https://www.instagram.com/guidedhealthjourney/

Youtube: https://www.youtube.com/c/MelissaDeally

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook -...

If you're in the thick of a divorce or just thinking about what life would look like after, the big question of "What happens to the house?" probably feels overwhelming. That's precisely what we're digging into this week. I am joined by Jeff Landers, CDFA, CDLP, and the founder of Divorce House Sense®, LLC.

Jeff is a Certified Divorce Financial Analyst and a Certified Divorce Lending Professional. He's worked with nearly a thousand people navigating divorce, written seven books on the subject, and contributed his expertise everywhere from Forbes to Huffington Post. If anyone can demystify the process of keeping or letting go of the family home, it's Jeff.

We talk about why the home is way more than just another line on the asset sheet, the emotional issues and hidden financial pitfalls, and why talking to a specialist early on can save you significant stress, money, and heartache. Jeff shares stories of clients who've made tough choices, from those with children trying to keep stability to "gray divorce" couples without kids at home and everyone in between.

You'll gain insight into everything from calculating if you can afford to keep the house to what happens when financial plans go sideways. Plus, Jeff shares practical tips on negotiating with your ex, what your divorce lawyer might not know about the mortgage process, and why you definitely don't want to be "house rich and cash poor."

So if the thought of the family home is keeping you up at night, or you know someone facing this crossroads, settle in, and get ready for some expert advice that might just change how you approach this big divorce decision.

About the Guest:

Jeffrey A. Landers, CDFA, CDLP, is the founder of Divorce House Sense®, LLC, whose mission is to help divorcing people who want to keep their marital home. Jeff is a Certified Divorce Financial Analyst (CDFA™), Certified Divorce Lending Professional (CDLP™), licensed Real Estate Broker and licensed Mortgage Originator. Jeff has written 6 published books with 18,000+ copies sold nationwide focusing on the financial aspects of divorce for women, as well as contributing articles regularly to Forbes.com, The Huffington Post, DailyWorth, More.com, Lawyers.com, and many other online publications.

Jeff's 7th book, Divorce House Sense®: How to Keep Your Marital Home So You Can Move On, Not Out® was recently published. He is a go-to expert for the financial aspects of divorce for women, interviewed extensively by CBS and FOX Television News, as well as The Wall Street Journal, Dow Jones, The Miami Herald, Smart Money, Consumer Reports, and The Christian Science Monitor. Jeff earned his BA degree in psychology from Columbia University and studied law at Pace University School of Law.

For Jeff's gift of a discount on his book, use code TDS when checking out at https://divorcehousesense.com/

To connect with Jeff:

Website: DivorceHouseSense.com (https://divorcehousesense.com/)

LinkedIn: https://www.linkedin.com/in/jefflanders/

About the Host:

Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook - https://www.facebook.com/Divorcecoach4women

LinkedIn: https://www.linkedin.com/in/mardiwinderadams/

Instagram: https://www.instagram.com/divorcecoach4women/

Youtube:...