Many people might think that financial success is all about the money…I mean, yes, it is? In that, it matters how much you can keep. And the more you keep, the more you can leverage that savings. But aside from investing strategy, there is so, soooooo much more to being financially successful. You might be…
DetailsAs everyone scrambles to check off their to-do list for the year and shift into the holiday, I asked my planners what they think are effective year-end financial strategies? Here’s what they said: Joann Nieciecki: “Honestly, amid the holiday chaos and winter break with kids, my finances are the last thing on my mind. Instead…
DetailsThe other day I asked a health professional one simple question. ONE QUESTION. And he proceeded to talk for the next 15 minutes about all of the ways people should be more afraid of this specific thing I asked about, how basically we were all screwed. Apparently, he was very passionate about this topic. When…
DetailsAlthough I didn’t realize it then, when I was younger, I used gift-giving to gain love, approval, control, and admiration. People seem to think that the less control you exert over your environment, the less control you have over your money, but I found exactly the opposite. The less codependent I became, the less money…
DetailsEnvironmental Social Governance Investing (ESG) and Socially Responsible Investing (SRI) are fraught with misunderstanding. When I was first coming up as a planner, your only options were extremely expensive mutual funds. Now, you can invest in a relatively low-cost portfolio, but I still see confusion about oversight and to what extent these funds meet the…
DetailsDo you count the days until payday, and then watch all the money drain from your bank account to pay the bills the minute it arrives? Are you in a constant state of financial cha-cha; one step forward, but two steps back? If this sounds familiar, you’re in survival mode. It’s the place that anyone…
DetailsMoney and power are two of the biggest causes of conflict and drama in our lives. Lots of people right now are in survival mode, but when you are no longer worried about just survival, you tend to think about money within the context of status, ego, personal fulfillment, and power. Power isn’t bad necessarily,…
DetailsThere are many types of insurance policies floating around out there and it can be overwhelming to figure out what makes sense for you. Health insurance, life insurance, disability insurance – oh my! One often overlooked insurance coverage is the personal liability umbrella policy, aka PLUP. The benefit of a PLUP is that it can…
DetailsWithout a doubt, reminding our clients to update beneficiary designations is the most consistent reminder we give them. As we are perusing statements for financial plans, we constantly see missing or old beneficiaries on different accounts. Why do so many people have this issue of outdated or missing beneficiaries? Perhaps you made a will and…
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