How much do you know and understand when it comes to steering your personal finances well? Meaning do you have enough for an emergency or if you have to stop working for a few months? Do you know what you are spending your money on? Do you know how much money is coming in and where it's going?

If you answered no to any or all of those questions, join us as we discuss fundamental principles about money. And how to set yourself up be a good steward of the money you have.

Although born in Nigeria, Esther has lived in Arizona for most of her life. She is a writer because she believes people's stories should be told. She is a builder of people and a financial coach and educator. Her goal is to add value to people's lives, regardless of what she does. She has many interests and wears several hats. Encouraging people to dream and achieve their goals is a passion of hers.

Joanna Walker is a Financial Professional with WealthWave, the HowMoneyWorks Company, and she is dedicated to helping today’s generations pursue the lives and futures they want for themselves and their families. She has lived in the Valley for nearly 20 years, has been in the education field for 15 years, and has been part of the financial services community for six years. Joanna is very active in networking with other business owners, entrepreneurs, and professionals. She is married, and she and her husband have two children, 13 and 9 years old. One of her favorite pastimes is attending the kids’ sporting events.

Dale is a Financial Advisor with Affinity Wealth Advisory Group, a private wealth advisory practice of Ameriprise Financial Services, LLC. He works primarily with mid-career professionals and people who are in life transition. He has a passion for spreading financial literacy and regularly gives interactive talks to local high school econ classes in the areas of personal finance, paying for college, and preparing for life after graduation.

Dale is married to the lovely Melisa; they have four “young adult” children. He enjoys cycling, hiking, golf, music, and Florida State athletics. He is an active member of the Scottsdale Sunrise Rotary Club.

Dale holds the FINRA Series 7 & 66 licenses, as well as state insurance producer licenses. He has earned the Accredited Portfolio Management AdvisorSM designation and is currently working to become a CERTIFIED FINANCIAL PLANNER™ practitioner.

Droplets of Wisdom: Money Wisdom