SPARK FINANCIALS
  • Home
  • Danielle Miura
  • Service & Pricing
  • FAQ
  • Free Meeting
  • More
    • Home
    • Danielle Miura
    • Service & Pricing
    • FAQ
    • Free Meeting
SPARK FINANCIALS
  • Home
  • Danielle Miura
  • Service & Pricing
  • FAQ
  • Free Meeting

Some Press Mentioning Danielle Miura, CFP®

Danielle Miura is the owner of Spark Financials, a fee-only financial planning firm. Danielle is passionate about helping family caregivers achieve financial happiness. As a CERTIFIED FINANCIAL PLANNER™ professional,  she specializes in comprehensive financial planning, financial education and tax law research.  

How To Talk to Your Aging Parents About Assisted Living Costs

 Those who don’t have enough savings for assisted living may have other options to help cover costs.

“In most cases, seniors who are moving into an assisted living facility will no longer need a home,” said Danielle Miura, a certified financial planner and founder of Spark Financials. “Downsizing by selling a home can help cover the cost of the senior living home.”

Medicaid can also provide financial help for qualified seniors. Low-income seniors over 62 may also qualify for subsidized housing by applying for the HUD Section 202 program. Income limits vary based on your state and county.

“This program allows low-income elderly to live independently while providing home-care assistance,” Miura said.

Retirement Planning: The 10 Areas Most People Forget To Prepare For

Danielle Miura, a certified financial planner with Wealthtender and Founder of Spark Financials, wants retirees to understand how Social Security can impact their financial portfolio.

“Chances are that you are overlooking your most significant retirement benefit-Social Security. For most people, including the wealthy, Social Security benefits rank as one of their most considerable retirement benefits. Social Security benefits are guaranteed, and inflation-adjusted payments can relieve stress to the rest of your retirement portfolio, allowing your investments to remain untouched for a longer time frame.”

Children Ask For Money

How Should You Respond When Your Adult Children Ask For Money?

Rather than immediately saying yes to your child’s financial request, Danielle Miura, CFP and founder of Spark Financials, recommends parents have an honest conversation about their financial situation with their adult children. 

If a parent cannot afford to financially help an adult child, they may provide nonfinancial requests. Miura said these may include helping the child create a budget or connecting them with a financial professional.

“Healthy money lending is when there is clear communication about the expectations, there are respectful boundaries and the parents are not compromising their financial situation for the sake of their child,” Miura said.

Miura said parents should have an idea of when they want to gradually limit the amount of money or the frequency they give to children.

10 Tips for Splitting Caregiving Costs Among Siblings

Among the first things for siblings to do is to gather their parents’ financial documents to figure out their financial situation, says Danielle Miura, a certified financial planner in Ripon, California. “There will often be money somewhere that you least suspect,” she says.


One sibling should oversee keeping all documents and receipts — maybe even creating spreadsheets — that highlight all costs related to long-term care, says Miura. This should be available for all siblings to see.


It might be worth meeting with an elder care attorney to discuss possible Medicaid qualifications and how to structure the financial document to make sure your parent can qualify, says Miura. That may require using up the parents’ assets first, she says.

Other Press Mentions

How much money do you need to retire? Better consider these 8 often-overlooked things.


The Chaos of Not Planning


Don’t Let Family Caregiving Ruin Your Financial Future


5 tips to plan for unexpected challenges of caregiving


Preparing for the ‘great wealth transfer’? 4 steps for managing an inheritance, from a CFP: ‘It’s not as simple as it might seem’


Sandwiched In Stress: How The Sandwich Generation Is Struggling To Balance Raising Kids And Caring For Aging Parents


How Much Does Assisted Living Cost in 2023?


Why You Need an Emergency Financial File


Best Money Advice Millennial Parents Can Give to Gen Z Kids


'It broke me': Everyone says you need a power of attorney, but nobody tells you how hard it is to use.


How Should You Respond When Your Adult Children Ask For Money?


Caregiving for aging relatives can sap retirement savings. Here’s how financial advisors can help


When couples work as a team, ‘they can move mountains’


Medicare Part A: Here are the Facts


Over half of millennials expect to inherit money: Take 3 steps to be ready


I spoke to a financial adviser who was very ‘interested in talking about himself and his finances.’ Should I run for the hills?


The Smart Investor’s Checklist: 9 Year-End Moves to Consider Now


5 Money Questions to Ask Before Applying to College


‘He thinks all financial advisers are ripoffs.’ We retired in January with no formal financial plan — and my IRA has since dropped 30%. Even so, my husband refuses to go to an adviser. Now I’m considering going behind his back. What’s my move? 


Buying a home in 2023 won't be for the faint of heart-here's how to prepare


Does Medicare Cover Hyperbaric Oxygen Therapy?


What is Medicare Part B?


The financial adviser I’m talking to wants to pair me with his younger mentee, but still charge me 1.5%. Is this reasonable?


Want A Pay Raise? Your Advisor Can Help You


Is $1 Million Enough to Retire?


‘I’m close to retirement and feeling uneasy’ as my current financial adviser has ‘made some trades that cost me dearly.’ Is this inevitable in this economy — or do I need to jump ship?


How To Live Only on Cash: Should You Do It?


6 Things You Didn't Know About Flood Insurance


ETF vs Stock: Where Should You Invest?


Rising interest rates makes cash management fun again


Why You Shouldn’t Feel Guilty About Using Your Emergency Fund


‘Could this be an indication they’re scamming us?’ Our financial adviser requested copies of our passport and licenses. Should we be wary?


Is now a good time to buy Twitter stock? Financial advisers express caution, as Elon Musk finally goes ahead with his $44 billion offer.


How To Retire on $200K or Less


It’s OK to cut back on retirement savings if you’re broke—but take these 3 steps first, financial planners say


I’m 27 and finally ready to build an investment portfolio. Should I pay a pro to help me?


I’m 65 and semi-retired, having amassed $1.8 million myself with ‘a lot of risky small caps,’ tech stocks and some ETFs. I also have 20% in cash. Am I doing it right? Do I need an adviser to help?


Women’s Finances: The 10 Money Challenges and 2 Advantages of Women over Men


4 Reasons Women Need to Save More in Their Emergency Funds, According to Financial Planners


‘Should I wait until the market calms down or pull the trigger now?’ I’m tired of my brokerage charging 1%, and I want to move my money now, but don’t want to lock in losses. What’s my move?


The 5 Best Cheapest Stocks to Buy


Advice For New Parents From A Financial Planner


20 of The Best Dividend Stocks To Buy (Plus Advice from Advisors)


I’m 65 and want to retire in 6 months. I have a $125K annuity, plus $100K of money that I’m not sure what to do with. Should I get professional help?


5 Tips To Help You Move From Middle to Upper Class


I'm terrified of losing everything during a recession, so I asked financial planners exactly what to do with my savings and investments right now


5 Ways out of an Intolerable High-Interest HELOC Trap


Money Market Accounts and Savings Accounts Are Very Similar. Here’s What to Know Before You Open One


7 of the Best Long-Term Stocks to Buy


I’ve found that a financial adviser can easily cost $5,000 a year. Is paying an adviser really worth this kind of money?


‘I’ve been pretty trusting and passive.’ I work with a financial adviser at a big firm, but in these troubled economic times, I want to become ‘a much more active investor.’ What’s my move?


How To Lower Your EFC To Qualify For More College Financial Aid


Here's How Much Cash You Should Be Keeping at Home At All Times


The Ultimate Guide to Negotiating Your Salary


How to Bounce Back Financially If You Go Over Your Wedding Budget


Are You a Nervous Tech Worker? Financial Pros Offer Tips for Uncertain Times


‘How much would I end up spending?’ I’ve got $10 million in assets, and am thinking about hiring a financial adviser. How much will this really cost me though?


Pros and Cons of Retiring Early


7 Simple Tips for Surviving and Thriving Through Every Bear Market


‘Are they actually doing anything to help my money grow?’ My financial adviser is mostly investing in index funds. Is there work he’s doing to make me money that maybe I don’t see, or should I ditch him?


6 Ways You’re Throwing Money Away on Auto Expenses


4 pieces of cliché money advice financial planners say you can ignore


Ultimate 50-Point Checklist for Effective Layoff Prevention and Preparation


Are You Trying to Keep Up with the Joneses?


How Much Money Do I Need for Retirement?


What Hurts Your Money Now? Inflation, Recession & Bears Oh My


How To Prepare for a Layoff During a Recession


Annuities — Shrewd Solution or Really Part of a Big Problem?


10 Savvy Shopping Tips for Gen Z to Know


IRA? 401(k)? Both? What’s Really Best for Your Retirement Money?


Personal Loan vs. Home Equity Loan: How to Choose the Right One for Your Financing Needs 


A High-Yield Savings Account Generates Free Cash. Here’s How to Find the Right One For You


Inflation Continues to Drive Up Prices. A Cash Back Credit Card Can Help Offset the Cost


7 Easy Ways To Cut Unnecessary Spending


How To Live Without a Steady Paycheck


5 Easy Financial Habits That Experts Swear By 


Here's How to Build an 18-Month Emergency Fund


How To Plan Social Events With Friends When Everyone Is on a Different Budget 


5 Ways Millennials Can Creatively Budget To Fight Inflation


6 Best Ways To Splurge With Your Tax Refund That Are Also Useful


The Hidden Forces Fueling the Unretirement Boom


Defeat Inflation With These Record-Breaking Interest-Rate Bonds


Bitcoin is Coming to Your 401(k). Should You Bite?


9 Tips on How to Prepare for a Recession


How To Plan For Student Loan Repayments (When They Keep Getting Delayed)


Money (and life) tips for young empty nesters


Don't Change Jobs Until You Make these Smart Money Moves 


How Your Finances Can Benefit From a Team of Advisors?


What Does it Mean to Invest in Yourself?


Think You Can't Afford College? Think Again


Expecting a Financial Windfall? A Sudden Money Financial Advisor Can Help. 


How Your Finances Can Benefit from a Team of Advisors


Ultimate Guide to Budgeting


COPYRIGHT © 2023 SPARK FINANCIALS - ALL RIGHTS RESERVED.

Form ADV and Privacy Policy

Disclaimer