Reverend Dr. Nicole B. Simpson is a Certified Financial Planner (CFP®) and CEO at Harvest Wealth Financial, a financial investment firm specializing in legacy planning, clergy compensation, and solo practitioner advising. Entering the securities industry in 1991, Nicole has over 30 years of experience in the securities industry and holds Series 7, 63, and 65 Securities licenses.

A compelling speaker, television and radio personality, and author, Dr. Nicole frequently speaks on the lecture circuit and has penned several books on financial and life planning. Her recent release, The Quiet Shift, received numerous international literary awards including a BookFest Award, an International Book Award, a Literary Global Book Award, and Book Excellence Award. She has been named as Investopedia’s Top 100 Advisors for 2023, Investment News Hot 100 and Woman to Watch Trailblazer of the Year Award Finalist. She was also acknowledged with an honorable mention for a lifetime achievement award with Invest in Others. 

A highly sought-after expert, Dr. Nicole has been featured in national and international media publications with appearances on ABC News, CNN News, BBC World News, Huffington Post, Crains NY Business, Fox News, PBS and UPN 9. She is a Board Member of CFP Board Center for Financial Planning Diversity Advisory Group, Chair of the Generation X Community Association, and Provost of the Dare 2 Dream Institute.

Nicole received a Doctorate in Transformational Leadership with top honors from Boston University. Today, she is actively involved in spiritual, emotional and economic empowerment, acting as a teacher, trainer, mentor, and guidance counselor to families and communities across America.

This one-on-one interview shares Dr. Nicole B. Simpson’s background and experience in co-authoring The Quiet Shift Navigating Through the Emotional and Economic Impact of Aging Parents in the Family.

Tell us about The Quiet Shift.

Growing older is a natural part of life. Today people are examining their lives from the perspectives of legacy and posterity and the central theme to both are finances and the emotional capacity to manage them, while preserving healthy family relationships.

The Quiet Shift offers a candid and honest look at the scenarios that life will eventually present to us all, and the solutions and remedies that are available to us to ensure that we find ourselves and those who we love and care for on the winning side of this often-challenging process.

It is through these very real stories that myself and my co-author, Sharon Stanford expound upon, that will help unlock many of the key elements. Together we explore principles necessary to take you from one stage of preparation to the next, and to illuminate proactively what aging and caregiving realistically looks like no matter where you are in this process.

What inspired you to write The Quiet Shift?

As a certified financial planner, my primary focus has been to help people who have endured financial trauma. Financial trauma can cause families to live in poverty for generations. In addition, aging and unexpected illness can deplete all of the savings a family has acquired over the years.

As a World Trade Center survivor, I experienced firsthand the difficulty associated with overcoming unknown tragedies and traumatic experiences. When we are able-bodied, we work hard to provide a quality standard of living. However, when faced with tragedy, most of us do not have a holistic, comprehensive plan put in place to deal with what if scenarios and ensure our families are well provided for.

The Quiet Shift was written as a resource to help families address quality care and the financial costs associated with aging.

How did you feel when you found out you received a Book Excellence Award?

I was elated! It is an honor to be recognized for my work and I am eternally grateful for this acknowledgment as it will help increase my visibility as a subject matter expert in comprehensive financial planning with a focus on legacy planning.

How did your background and experience influence your writing?

In 1991 when I first started my career, my focus was on wealth accumulation. The more I began to learn about money, the more I would attribute success to elderly couples who owned a home, vacationed regularly, drove nice cars, and appeared to be generous in their giving. 

What I noticed was that more often than not, the couple would pass away and leave their property to their children, only to have it be lost or confiscated by the bank. This alarming trend was devastating because I understood that the greatest asset in a family structure was not being passed from generation to generation.

It was at that time that I began to focus on comprehensive financial planning, which included wealth accumulation and protection. I understood, as a financial planner, proper legacy planning was not being implemented.

However, the issue became a reality when my own mother was diagnosed with stage 4 pancreatic cancer, and she deteriorated quite rapidly. My experience dealing with her end-of-life care resonated so profoundly that I wanted to prepare families for the unknown nuances that are associated with aging parents in the family and the impact it has both emotionally and economically.

My commitment to legacy planning, background and my expertise has allowed me to address the intersection between caregiving, its impact on the next generation, and how it affects everyone financially.

What is one message you would like readers to remember?

My goal in writing The Quiet Shift is to help families address a difficult, extremely complicated, yet necessary conversation that must be had within a family dynamic.

The elderly population must be more transparent about their health and financial status so that medical needs and financial matters can be addressed without harmfully affecting the family.

Long term care can impact three generations within a family dynamic. If a family does not want to be depleted financially, and wants to preserve healthy family relationships, addressing how aging parents desire to be cared for during their senior years is essential.

If I could leave readers with one message, it would be to talk to the people you rely on to let them know how you desire care and what resources you have allotted to meet those needs so you can manage your resources effectively.

Purchasing the Book

The Quiet Shift is available for sale on Amazon. Readers are encouraged to purchase their copy today: https://www.amazon.com/Quiet-Shift-Navigating-Emotional-Economic/dp/B0BS8VK6PJ  

To connect with Dr. Nicole and learn more about her financial planning services, visit: https://www.harvestwealthfinancialusa.com. You can also find her on social media on Facebook, Instagram, and LinkedIn.

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