Her Comeback | Episode SummaryGuest: Lisa Clements, Financial Advisor & Wealth Manager — ClearSprings Wealth, Kansas City, KS

Lisa spent 24+ years in corporate America, including a role at Meta, before relocating to be closer to family and discovering a passion for investing. A New Year’s Eve conversation with her two best friends — who told her “we hate this stuff, you should do it for people like us” — sparked her pivot into financial advising. She now specializes in serving single professional women navigating money decisions on their own.

Money as a Tool for Agency Lisa’s core philosophy: money isn’t about returns — it’s about freedom. She asks clients three questions: Am I safe? Do I have options? Am I living a life aligned to who I am? She pushes back on deprivation-based saving, drawing on Bill Perkins’ Die with Zero: money should fund a meaningful life now, not just a retirement account you’re afraid to spend.

For Women Who Feel Behind Lisa validates the shame many women carry — but reframes it. The financial world was built by men, schools never taught personal finance, and most women have been busy building careers and caretaking. “It’s not your fault.” She calls the 40s and 50s “your power decades” — it is not too late to make changes that dramatically shift your financial future.

Common Mistakes During Life Transitions Two opposite patterns show up in divorce, widowhood, or career change: freezing completely, or moving too fast. Lisa’s advice: pause, stabilize, and buy yourself time — 3 months, 6 months, even a year before making major decisions. She also flags a common trap: women holding $80K–$150K in cash that should be invested.

Building Financial Security as a Single Woman Lisa’s framework includes: values alignment, a goals plan tied to those values, an income plan for working and work-optional years, a decision framework for emotional moments, legal clarity (wills, trusts, powers of attorney), and care planning for solo aging. She notes: 80% of women die single; planning accordingly isn’t morbid — it’s love for the people who’ll support you.

For Partnered Women Two non-negotiables: build your own community (don’t let your social world revolve around your partner’s), and don’t abdicate financial decisions. Know where the money is invested, who the advisor is, and how decisions get made.

What Financial Confidence Feels Like Not a number — it’s the ability to make decisions without second-guessing, a clear framework for spending choices, and sleeping soundly because you have a plan. Lisa also advocates visioning your work-optional years: not just saving toward retirement, but picturing what you’ll actually do with the freedom.

The 10-Degree Turn Lisa’s favorite metaphor: a cruise ship leaving Miami headed southeast lands in the Dominican Republic. Turn it 10 degrees west? You end up in Jamaica or the Caymans. Same distance, completely different destination. Small, consistent changes in your financial habits today create a radically different future.

Connect with Lisa Website & socials: @ClearSpringsWealth | Free 30-minute intro call available at ClearSpringsWealth.com