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Publications, Insights & News

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Small Changes, Big Differences

For most people seeking financial advice, especially those approaching retirement, many of their large decisions have been made already. The house you live in, the size of your family, your career and lifestyle expectations are determined by this point. They’re unlikely to change and really set the foundation of your financial picture.

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Only You Can Make You Wealthy

We talked for another 35 minutes about her expectations and aspirations, but after a while, I simply told her, “I, and the stock market, cannot make you wealthy; only you can make you wealthy.” I further explained that the markets can help grow your money and help you stay wealthy, but counting solely on the financial markets, or an advisor, to make you wealthy is not enough. It is most likely that you will earn more in your business or career than you will earn from the investment markets. Your financial advisor does not make you wealthy. We are here to help you get to where you want to be given your circumstances. We help optimize your situation, help you make efficient decisions with your limited resources, get you to take action, and employ a disciplined approach to the investment markets. In other words, you might not bring filet mignon to my office, but I guarantee if you brought chop meat, I’d help you make the best meatloaf around!

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Looking Beyond the Balance

For anyone that has a TSA for their 403b, you can multiply your balance by 2.5% and that would give you a rough estimate of the total cost of your 403b per year (please understand there are many fees imbedded in a TSA so your personal account can be higher or lower than my estimate above). This means, if your 403b account value is $100,000, then you are paying approximately $2,500 per year in fees! If you want to get a more accurate estimate of cost, please see my new calculator by clicking 403b Calculator. This is a great tool to see how cost will impact your account balance over time. If you have a statement in front of you, it should take you about 5 minutes to enter in the data.

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