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…
DetailsDoes your debt give you anxiety? Do you try not to think about it? Does the thought of what you might need to do to eliminate the debt cause you to start breaking out in a cold sweat? If yes, you’re not alone. And a lot of financial planners would start out by looking at…
DetailsWhen you’re stressed, do you tend to shop? No judgement – this is totally normal. The thing is, many people who have issues with spending too much aren’t learning alternative skills that are healthier than coping mechanisms. Especially when it’s so easy to click a button and have something delivered (sorry, Amazon). If you’re a…
DetailsI hope it’s clear now 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 urgent about your results with money. Instead of working for your money, start making your money work for you. This isn’t some mysterious,…
DetailsHave you ever noticed that money tends to disappear unless you pay attention to it? It’s true. (It’s that dreadful feeling we get when we look at our bank statement at the end of the month and think, “Where did it all go…?”) That’s why it’s essential that you have clarity around what you want…
DetailsWhat if I told you that you could make one decision now that would make all 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 guide…
DetailsWhy should you do financial planning right now? Um, maybe you shouldn’t. Sometimes when in a sales situation, the seller creates urgency – there’s a deadline to get a certain deal. I HATE this. Deadlines and deals are artificial. You should never feel like you’re making a decision under a deadline, and if you do,…
DetailsA 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…
DetailsI 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 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!) that…
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