Her Financial Freedom

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Her Financial Freedom helps women 50+ achieve financial independence through smart investing, tax strategies, and income planning — explained clearly, without the jargon. Whether you want to retire or work by choice, you'll gain the confidence and knowledge to live life on your terms.

Hosted by Vincent Grosso, CERTIFIED FINANCIAL PLANNER® professional and founder of Pascack Capital, each episode breaks down what you actually need to know — from creating retirement income and navigating taxes, to investing wisely and protecting your legacy.

All Posts

What Every Woman Should Know About Inheriting Money

Receiving an inheritance can be life-changing, but it’s easy to make costly mistakes without a plan. In this post, we cover what every woman should know about inheriting money — including how to handle taxes, invest wisely, and avoid lifestyle creep. With a clear plan and purpose, you can turn an inheritance into lasting financial confidence.

6 min read

Smart Tax Moves Every Woman 50+ Should Know

Taxes may not be exciting, but they’re one of your biggest lifetime expenses — especially for single women. The good news? There are simple, effective ways to save. In this article, we’ll explore 3 smart tax moves every woman 50+ should know: catch-up contributions, Health Savings Accounts, and Qualified Charitable Distributions. Each one can help you lower taxes, increase savings, and build a more confident retirement.

4 min read

Single Women: How to Plan When You’re Expecting an Inheritance

Jackie, a 58-year-old single woman, expects to inherit her mom’s $2M estate. But timing, amount, and even distribution are uncertain. Instead of relying on inheritance, Jackie’s best move is to build her plan around what she can control—her savings, investments, and income—and treat any inheritance as a bonus. By planning this way, she gains peace of mind knowing her financial security doesn’t depend on the unknown.

4 min read

Single Women & RMDs: Lisa’s Costly Mistake at 73

Learn how a single woman can navigate RMDs, reduce taxes, and avoid costly IRMA surcharges. Using case study strategies like Roth conversions and delaying Social Security, Lisa’s experience shows why planning ahead is key to a flexible, confident retirement.

2 min read

How a Single Women Can Retire Before Social Security Starts

Discover how Mary, a single woman, plans to retire at 60 before her Social Security begins. Learn strategies for managing income gaps, choosing the right Social Security timing, and using Roth conversions to optimize her retirement.

2 min read

The RMD Shock at 75: What Every Woman Needs to Know

Meet Lisa: $1.5M in her IRA, facing $104K annual RMDs at 75. Problem? She doesn't need the money but must pay massive taxes anyway. Solution: Strategic Roth conversions during low-income years. Result: $300K tax savings + $214K extra inheritance for her niece. Don't let RMDs become your tax time bomb. Plan early, convert smart, retire wealthy. Learn the strategy that transforms forced withdrawals into tax-free flexibility.

11 min read

No Bonds at 80? How This Woman Retires with 100% Stocks

Most people think retirees should shift heavily into bonds, but that isn’t always true. This 75-year-old woman has 0% bonds and 100% stocks because her pension and Social Security cover her expenses. With steady income and minimal spending, her portfolio can stay focused on growth for the legacy she wants to leave. It’s a reminder that retirement planning isn’t one-size-fits-all.

5 min read

4 Reasons to Take Social Security at 62

Most of the advice you’ll hear says “wait as long as you can.” And while that’s often smart, it’s not always the right fit. In fact, there are times when starting at 62 makes more sense — whether it’s about growing your investments, dealing with health concerns, retiring sooner, or simply enjoying life while you’re younger. In this post, I’ll walk you through 4 reasons why claiming early might actually work in your favor.

4 min read

The Case for Paying Off Your Mortgage (Even If 'They' Say Don't)

Everyone tells you NOT to pay off your mortgage before retirement. "Keep it invested!" "Tax deductions!" "Leverage is good!" But what if the conventional wisdom is wrong? In this post, I break down why the so-called experts might be giving you bad advice — and why paying off your mortgage could be one of the smartest moves you make for retirement. Sometimes the best financial decision isn't the one that looks good on paper.

6 min read