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welcome everyone to the savvy ladies Wednesday wisdom webinar Im Maggie montanaro and Im the marketing coordinator at savvy ladies I like to remind you that if you have any questions during the webinar you can type them into the chat box if youre joining us by phone you can email your question to info @ savvy ladies org todays presenter is Pam capella founder of brunch and budget a company that helps the average person with their finances Pam is a certified financial planner who has been in the financial services industry for over seven years she is also the host of brunch and budget on Bonfire radio brunch and budget started when one of Pams friends said she really needed help with her money but was afraid to talk about it Pam suggested discussing it over brunch and the rest is history we want to thank you for joining us today Pam and lets get started awesome thank you all so much for joining us today taking up your lunch hour to learn about financial planning I know its defini