August 24, 2019

A Mindset for Financial Success

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Introduction The news media is constantly reminding you of terrible events occurring locally and around the world each day that you cannot control. In addition, financial gurus are everywhere predicting the direction of the economy and the markets. Listening and watching all of this fills your head with negative thoughts and as a result, you… [Continue]

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What You Need to Know About the Equifax Data Breach Settlement

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Introduction I wanted to share information I have learned about the Equifax data breach settlement. First, let’s review what this settlement is all about. In September 2017, Equifax announced that it had been the victim of a cyberattack on its systems. Thieves stole the personal information of approximately 147 million U.S. consumers. The information included… [Continue]

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5 Technical Principles to Master for Financial Success

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Introduction When it comes to your financial future, there are things you cannot control such as the stock market, the economy, or major world events. To increase your odds of financial success, I believe it is more important to focus on the things you can control. My Five-by-Five Formula for Financial Success includes five behavioral… [Continue]

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Dad I Cherish the Memories and Lessons Learned

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Dear Dad, Today marks the eighth Father’s Day without you. Hard to believe it has been that long already, yet it seems like just yesterday you were here. I still have times when I find it almost impossible to imagine going through the rest of my life without you – my best friend and mentor.… [Continue]

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5 Behavioral Principles to Master for Financial Success

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Introduction I believe that if you are able to focus on what you can consistently control, develop a plan around those things, and stick to the plan over the long term; you will sleep better and have a better chance of reaching your financial goals. You and I cannot control the stock market, the economy,… [Continue]

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5 Boring but Important Financial Chores for the New Year

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I would like to wish you and your family a Happy New Year – Cheers to a prosperous, healthy, and happy 2019! The beginning of the year is a good time to take care of some financial housekeeping chores. These chores are somewhat boring but essential to maintaining good financial health. 1. Get Your Social… [Continue]

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15 Tips for Young Professionals and Career Changers

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Introduction I was recently invited to present a webinar for financial planning students at Kansas State University. The objective of the webinar was to share my personal story on becoming a financial planner, provide insight on how I run my firm, and on how I work with my clients. I was also asked to include… [Continue]

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Dutchess My Friend

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Note: This article was originally written in June 2013. My road trip with Dutchess from Indiana to Florida in November 2011 after my Dad died was the start of my journey with her and my becoming a professional financial planner. I signed up for the CFP® coursework the first week of January 2012. We all… [Continue]

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My Dad – A Young Boy’s Teacher

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My dad might have asked me, “What if there is just a horizontal line across the screen?” I would reply with something like, “The vertical output is not working correctly.” Another question might be, “What if there is no sound or picture?” My reply would be something like, “There is probably a power supply problem.… [Continue]

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The Importance of Knowing Your Risk Capacity

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If you have worked with a financial advisor, you are likely to have a good understanding of risk tolerance but may not be as familiar with risk capacity. Both are important in determining how much risk you should be taking in your portfolio for your unique financial situation. Defining Risk Tolerance and Risk Capacity Risk… [Continue]

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