What keeps you up at night?

Whether it’s been the World Series, election coverage or late night storm alerts, there has been plenty to keep us awake at night during the past few weeks. But just like a clap of thunder that keeps you from slumber, maybe you’ve had a worry about your financial life that has kept you awake.



Perhaps your concerned about the cost of health insurance in 2017. If you had an ACA policy with Blue Cross Blue Shield in TN, you’ve been shopping for other options. Perhaps even eyeing paying the penalty rather than a steep premium.

You could be in the midst of dealing with the loss of a loved one and having deal with probating assets, finding legal documents and paying bills. You might be confused on how and when to begin taking your Social Security benefits. Seminars and web searches can make the matter even more confusing. With the holidays upon us, you may be longing to stop the spending frenzy and make a commitment to get out of debt and allow you to retire sooner rather than later.

Maybe you need encouragement and validation of your decision to retire in 2017, but some uncertainty prevents you from making that decision. You may be worried about your grown children and their inability to act responsibly with their finances. Or maybe you don’t know where to begin. You’ve accumulated assets for the past 25 years, but don’t know what you have, what you spend or what to do. You want to be charitable to your church, but didn’t realize that you could give your RMD from your IRA as a gift.

These are all real problems that we’ve helped our clients solve in the past month. Our role as a wealth management firm is to assist our clients at all times, in all matters. That encompasses all aspects of your financial life, not just the management of your assets or the filing of your taxes. We can work with any investor regardless of the number of assets you have.

The questions that keep you up at night may differ with the seasons, but who you seek counsel to answer them should not. Don’t spend time worrying when you should be living.

Our phone lines are open. Just give us a call.
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The Day After

Many Americans are waking up this morning disappointed, surprised, elated and shocked. Pundits are prognosticating about what the next four years will bring and social media feeds are filled with election commentary and lamentations. The financial markets are also uneasy, just as they were when the Brexit vote occurred in May. What are we supposed to do?



Start by focusing on the things that you can control. You may feel downtrodden after the election result, but that doesn’t change your financial goals. In 48 months, we all will be older and hopefully nearer to achieving financial freedom. Your children or grandchildren will be that much closer to going to college. Developing a sound financial plan, reducing debt, living within an established budget and investing wisely are key components of financial independence. It’s imperative that you begin with the end in mind. If you haven’t thought about what to do, find an independent financial firm that can help you get organized and take the first steps.

Our republic has lasted for 240 years. We have elected both good leaders and poor executives. The country will live on today and hopefully for another 24 decades. As individuals, we aren’t that lucky. With limited time on the earth, it’s important to make sound choices on the things we can control. Rather than gloating or sulking about the election result, use this time to begin planning and dreaming for what your life will look like in 2020.
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Time to Jump?

It’s a day that only happens every four years.  Just like the Olympics and Presidential elections, we observe Leap Day today.   The extra date on the calendar brings an extra day’s pay for some and explanations to kids on why February doesn’t always have 29 days.  Then tomorrow March rolls in and we push on towards Spring.

Because it takes more than 365 days (365.24 to be exact) for the Earth to orbit the Sun, Pope Gregory XIII added February 29 in 1582 to what we now know as the Gregorian Calendar to synchronize the solar calendar to the ones that we hang on our walls.  So, what do we do with the extra day?

I then began to think about things that I do once every four years.  I vote in the Presidential elections, watch the Olympics, and usually clean out my sock drawer. Others will attend a high school or college graduation or buy a new car.   But with only one extra day every four years, how do you make it count? What makes it different than any other Monday?

The word leap is defined as jumping or springing a long way.  In the past four years, have you leapt forward towards financial freedom?  What changes have you made to ensure your success in meeting your financial goals?  We are all four years older since the last time we saw the number 29 on our February calendar.    Live up its namesake and use this day to take the next leap towards planning for your future. For some, that could be developing a budget to control spending urges.  For others, it could be consolidating old retirement accounts to invest with a purpose.   

Whether it’s your first leap or your fiftieth, take advantage of this extra time to plan for your future.  You’ll have to wait four more years to have another day like this.

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8 Questions to Ponder at the Start of 2016

The party is over and it's back to work. Take a minute before your schedule returns to warp speed and think about your financial future:

Looking back:

Did we save enough money last year?
Did we spend money that we shouldn’t have?
What was the biggest financial surprise of 2015 and how did you react?
What was your biggest financial regret of 2015?
Before looking forward, go back over these questions and answer the “Why” behind your answer. This will reveal a deeper level of motivation and behavior that you should address in 2016.

Looking Forward

What should I change to make 2016 better than 2015?
Is there any “easy money” within my reach?
What should I be doing different than my friends to achieve financial freedom?
What is the main financial item that I have to pay closer attention to in 2016?

Start this year different by picking one idea from your thoughts that will reduce your financial stress and take action on it today. If you that includes help with your taxes, investments and financial planning, click here to learn about our services or call us for a no-obligation consultation.
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