Pamela J. Sams, CRPC®

For over 20 years Pamela has been helping women improve their personal and financial wealth through solid financial life planning. Pamela’s education and training enable her to help clients successfully navigate through the myriad of financial decisions they face during their lives. She focuses on helping her clients meet their financial needs and help them work to achieve financial security and greater retirement readiness.
Pamela has become a strong voice in the area of personal finance for women. Her knowledge in this area has made her a sought-after speaker. She has been quoted in articles in various financial publications.
Throughout her financial services career, she has acquired several client service and financial planning awards. She has membership in the Million Dollar Roundtable (MDRT). Membership in MDRT is a highly recognized mark of excellence and limited to only the most successful in the financial services profession. This places Pamela among the top professionals in the global life insurance and financial services industry. Pamela was featured in the Women in Wealth section of Fortune Magazine November 2020 issue as a top Wealth Manager in the Washington DC metro area.
She successfully completed the demanding requirements to receive a Chartered Retirement Planning Counselor certification through the College of Financial Planning. Pamela also holds a Behavioral Financial Advisor designation, awarded to advisors who have undergone training to learn to help clients make financial decisions using a rational, values-based approach. Behavioral Financial Advisor’s integrate techniques founded in traditional finance, psychology and neuroscience to positively influence clients’ spending and saving behavior in the presence of challenging emotions.
Pamela is married, lives in Chantilly, VA and has three children. She devotes her free time to her family, her church, enjoys reading and loves to sing.

I'm deeply saddened by the devastating earthquake that rocked Myanmar and Bangkok on March 28. Having traveled to Bangkok several times and once to Myanmar, I believe in the resilience of the Thai government and its people to recover. However, Myanmar remains one of the world's poorest cou…I'm deeply saddened by the devastating earthquake that rocked Myanmar and Bangkok on March 28. Having traveled to Bangkok several times and once to Myanmar, I believe in the resilience of the Tha…I'm deeply saddened by the devastating earthquake that rocked Myanmar and Bangkok on March 28. Having traveled to Bangkok several times and once to Myanmar, I believe in the resilience of the Thai government and its people to recover. However, Myanmar remains one of the world's poorest countries, and during my visit to deliver toys and books to schools along the Mekong Delta, my heart broke witnessing the children's plight.Please join us in our podcast as we celebrate Thailand and consider supporting the children of Myanmar through a donation: ChildFund Myanmar Earthquake Relief…


In this episode, financial expert Pamela J. Sams discusses the challenges of navigating a volatile market in 2025. The conversation covers key concepts such as market volatility, managing emotions during investment decisions, and the importance of having a solid investment strategy. Pam emphasizes s…In this episode, financial expert Pamela J. Sams discusses the challenges of navigating a volatile market in 2025. The conversation covers key concepts such as market volatility, managing emotions dur…In this episode, financial expert Pamela J. Sams discusses the challenges of navigating a volatile market in 2025. The conversation covers key concepts such as market volatility, managing emotions during investment decisions, and the importance of having a solid investment strategy. Pam emphasizes strategies for long-term investment, the value of diversification, and the psychological impact of global events on personal finance. She also advises on how to prepare retirement plans to weather uncertain times and the implications of federal entitlement programs on individual finances. Understand…


By Linda Ballou, NABBW’s Adventure Travel Associate Now is the time to plan your summer holiday. Here are some tips to help you streamline the process. Artificial intelligence plays a significant role in shaping travel experiences. Travelers are utilizing AI-powered tools for personalized trip p…By Linda Ballou, NABBW’s Adventure Travel Associate Now is the time to plan your summer holiday. Here are some tips to help you streamline the process. Artificial intelligence plays a significant …By Linda Ballou, NABBW’s Adventure Travel Associate Now is the time to plan your summer holiday. Here are some tips to help you streamline the process. Artificial intelligence plays a significant role in shaping travel experiences. Travelers are utilizing AI-powered tools for personalized trip planning, enhancing convenience, and customizing their journeys. Expedia, Travelocity, and others provide flight, lodging, and car rental information, but there are new AI tools to make your travel planning easier and more efficient. Roam Around helps you find places that are not on everyone’s h…


"No one lands at Good Grief by accident. Many of our volunteers are people who want to hold a hand back to Grievers."In this special episode of the Ageless Traveler, I host a heartfelt conversation with Evelyn Moon from Good Grief, a nonprofit dedicated to supporting children and families dealing wi…"No one lands at Good Grief by accident. Many of our volunteers are people who want to hold a hand back to Grievers."In this special episode of the Ageless Traveler, I host a heartfelt conversation wi…"No one lands at Good Grief by accident. Many of our volunteers are people who want to hold a hand back to Grievers."In this special episode of the Ageless Traveler, I host a heartfelt conversation with Evelyn Moon from Good Grief, a nonprofit dedicated to supporting children and families dealing with grief. As part of Podcastathon, they discuss the invaluable work Good Grief does, offering programs that help young people cope with loss through creative expression and peer support. Discover how Good Grief is changing the narrative around grief in schools and communities, and learn how you can…


In this episode, you will discover the incredible itinerary planned for September 2025, featuring breathtaking game drives, cultural experiences with local tribes, and opportunities to give back to the community. Colette Tours' Gythe Haddad shares insights on the stunning wildlife, including t…In this episode, you will discover the incredible itinerary planned for September 2025, featuring breathtaking game drives, cultural experiences with local tribes, and opportunities to give back to th…In this episode, you will discover the incredible itinerary planned for September 2025, featuring breathtaking game drives, cultural experiences with local tribes, and opportunities to give back to the community. Colette Tours' Gythe Haddad shares insights on the stunning wildlife, including the Big Five, and the unique experiences that await travelers. Don't miss this chance to explore the beauty of Africa while connecting with its rich culture!To book or ask questions by phone: Call Collette at 1-800-581-8942, Please refer to booking #1334111To book or ask questions online, visi…


"The only limits we have are the ones we put on ourselves."Are you ready to embrace your encore years? In our latest episode, I sat down with Susan Williams, founder of Booming Encore, to explore how to find purpose and meaning in retirement. Discover ikigai, a Japanese philosophy that encourages yo…"The only limits we have are the ones we put on ourselves."Are you ready to embrace your encore years? In our latest episode, I sat down with Susan Williams, founder of Booming Encore, to explore how …"The only limits we have are the ones we put on ourselves."Are you ready to embrace your encore years? In our latest episode, I sat down with Susan Williams, founder of Booming Encore, to explore how to find purpose and meaning in retirement. Discover ikigai, a Japanese philosophy that encourages you to discover what you love, what you are good at, what the world needs, and for what you can be paid.Williams also shares insights from the book Retirement Heaven or Hell, which documents the journey of Booming Encore contributor Mike Drak. His experience highlights the importance of having a plan …


Enjoy a new video with details, photos, and fun about the upcoming Texas Country Music Cruise, FALL 2025 Royal Caribbean. In this follow-up Episode, Director Eric Lennington shares the outstanding features of this good-time event, setting sail from Galveston, Texas, including adventures in Mexico an…Enjoy a new video with details, photos, and fun about the upcoming Texas Country Music Cruise, FALL 2025 Royal Caribbean. In this follow-up Episode, Director Eric Lennington shares the outstanding fea…Enjoy a new video with details, photos, and fun about the upcoming Texas Country Music Cruise, FALL 2025 Royal Caribbean. In this follow-up Episode, Director Eric Lennington shares the outstanding features of this good-time event, setting sail from Galveston, Texas, including adventures in Mexico and Honduras.ReferencesTexas Country Music Cruisehttps://texascountrymusiccruise.comRoyal Caribbeanhttps://www.royalcaribbean.comLuxx Vacations, Cynthia Sayko http://luxxvacations.com/• Website: The Ageless Traveler https://agelesstraveler.com • Meet Our Guests on YouTube- https://www.youtube.co…


THE TEXAS COUNTRY MUSIC CRUISE- TOE TAPPING ADVENTUREIn this episode, join me on an exciting journey aboard the Texas Country Music Cruise, a unique experience that combines the joy of cruising with the vibrant sounds of Texas country music. I interview Cynthia Sayko, the cruise founder, who shares …THE TEXAS COUNTRY MUSIC CRUISE- TOE TAPPING ADVENTUREIn this episode, join me on an exciting journey aboard the Texas Country Music Cruise, a unique experience that combines the joy of cruising with t…THE TEXAS COUNTRY MUSIC CRUISE- TOE TAPPING ADVENTUREIn this episode, join me on an exciting journey aboard the Texas Country Music Cruise, a unique experience that combines the joy of cruising with the vibrant sounds of Texas country music. I interview Cynthia Sayko, the cruise founder, who shares her inspiration behind this innovative concept, and Eric Lennington, the cruise director, who provides insights into what attendees can expect. From live performances by Texas artists to mingling with fellow music lovers, this cruise promises a memorable adventure on the high seas, with stellar ente…


In this episode, host Adriane Berg shares invaluable hints and tips for making the most out of a short cruise experience. From her recent four-day journey from Los Angeles to Ensenada, Mexico, she offers insights on how to prepare for your trip, what to pack, and how to maximize your time on boar…In this episode, host Adriane Berg shares invaluable hints and tips for making the most out of a short cruise experience. From her recent four-day journey from Los Angeles to Ensenada, Mexico, she …In this episode, host Adriane Berg shares invaluable hints and tips for making the most out of a short cruise experience. From her recent four-day journey from Los Angeles to Ensenada, Mexico, she offers insights on how to prepare for your trip, what to pack, and how to maximize your time on board. Discover the best ways to enjoy ship activities, dining options, and shore excursions while ensuring a fun and memorable experience.Exploring the port of Ensenada is another adventure in itself. From visiting the famous blowhole to exploring local markets, there’s plenty to do, even if you ju…


Listen to my interview with Oliver Smith of Theatrical Adventures as we discuss the International Gilbert and Sullivan Festival and the once is a lifetime ocean cruise to Montenegro and Croatia• Website: The Ageless Traveler https://agelesstraveler.com • Meet Our Guests on YouTube- https://www.y…Listen to my interview with Oliver Smith of Theatrical Adventures as we discuss the International Gilbert and Sullivan Festival and the once is a lifetime ocean cruise to Montenegro and Croatia• Web…Listen to my interview with Oliver Smith of Theatrical Adventures as we discuss the International Gilbert and Sullivan Festival and the once is a lifetime ocean cruise to Montenegro and Croatia• Website: The Ageless Traveler https://agelesstraveler.com • Meet Our Guests on YouTube- https://www.youtube.com/@AgelessTraveler-ft1kr • Leave a voicemail or text- https://fanlist.com/agelesstraveler/inbox/ask-your-travel-questions-here • Facebook Salon-Join Free- https://www.facebook.com/groups/840951897411276/ Download Free eBooks: • The Caregivers Travel Guide- https://caregiverstravelg…


In this episode, with spokesperson Bob Bogard, we explore the vibrant world of Modernism Week in Palm Springs, California. Discover the festival's rich history, its significance in architecture and design, and the diverse range of events that attract thousands of enthusiasts from around the glo…In this episode, with spokesperson Bob Bogard, we explore the vibrant world of Modernism Week in Palm Springs, California. Discover the festival's rich history, its significance in architecture a…In this episode, with spokesperson Bob Bogard, we explore the vibrant world of Modernism Week in Palm Springs, California. Discover the festival's rich history, its significance in architecture and design, and the diverse range of events that attract thousands of enthusiasts from around the globe. From house tours to lectures, music events, and even guided bicycle tours, this episode captures the essence of a unique celebration that honors mid-century modernism. Join us for an insightful discussion that will inspire your next travel adventure! Resources Modernism Week: https://moderni…


Are you interested in solo travel but reluctant to take the plunge? Or are you a veteran solo traveler looking for new adventures? In this episode of The Ageless Traveler, I speak with Carolyn Ray, CEO of JourneyWoman, about the transformative power of solo female travel. Learn how Carolyn empowe…Are you interested in solo travel but reluctant to take the plunge? Or are you a veteran solo traveler looking for new adventures? In this episode of The Ageless Traveler, I speak with Carolyn Ray,…Are you interested in solo travel but reluctant to take the plunge? Or are you a veteran solo traveler looking for new adventures? In this episode of The Ageless Traveler, I speak with Carolyn Ray, CEO of JourneyWoman, about the transformative power of solo female travel. Learn how Carolyn empowers women to explore the world on their terms, the importance of community in travel, the innovative trips available TODAY, and HOW TO DEAL WITH THAT PESKY SINGLE SUPPLEMENT! Discover how travel can transform lives, break down barriers, and foster connections among women around the globe!ResourcesJou…
