What if I told you that you could make ONE decision now that would help make allllll your financial decisions for the next 12 months so much simpler? Would you be interested? (Duh. Of course you would!) I call this decision your Chief Initiative, and it is basically a values and goals statement that can…
As we close out 2023, more than ever, I hope people understand that financial planning is not about products, or investments, or even about deprivation. It’s not about feeling that you need to “do” something; instead, it’s about getting intentional about your results with money. Instead of working for your money, start making your money…
You might have guessed that since I am a planner professionally, that carries over into my personal life (which is a whole other thing than being organized…I can PLAN how I want things to go, but for some reason I am always running out of batteries and light bulbs…so I choose my battles). So YES,…
Here we go, into the year end (2023 was a whirlwind, wasn’t it?) … hopefully it’s been a good year personally, in spite of all of the external goings ons… stress makes us all less patient and more trigger-happy on our emotional outbursts. And since the holidays are also a stressful time of interacting with…
As we start to shift into the holiday/year end season, people are thinking of this as the perfect time of year to practice our generosity. I see gift guides out there that include everyone from the janitor at your kids’ school (who DEFINITELY needs some love) to your second cousins, twice removed. But do you…
I always re-up this post before Thanksgiving, because I think that is the perfect time to check in with family and friends about gift giving and other holiday plans for the upcoming season. Ask them: How many times have you sat around the day after Thanksgiving and/or Christmas and vowed that next year — next…
By Guest Author Sally Bergesen Having been a business owner myself, I know how difficult the “when to sell?” question can be. And while we might have a large support system around us, it’s still difficult to find the right audience. Family? Possibly, but it’s unlikely they have the expertise. Friends? Potentially, but we want…
A lot of people seem to believe that financial planning is only for the wealthy, or for the people who are a financial train wreck. That might be partially true…before I left my last broker-dealer, I saw how much pressure advisors were under to only take on clients who met certain asset minimums. In many…
I spend a lot of time reassuring people that financial planning isn’t “just” for the wealthy…in fact, a financial plan is what puts you on that wealth-building road, regardless of where you start. It is meant to help you begin with the end in mind with regard to your money. And some people think (erroneously!)…
If you want to avoid the crazy-making style of investments, then focus on keeping things SIMPLE. (KISS = Keep It Simple Stupid) 🙂 There are two ways to look at simple. One way is to keep things simple so that you can do it all yourself. This is totally doable—and not at all scary—in our…
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