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Where Retirement and Perspective Intersect

The 5 Essential Elements of a Retirement Plan

August 11, 2016

 “You’re making me nervous!” Worse things have definitely been said in our office, but would it surprise you to know this is exactly the response we’re looking for when meeting with a prospective client? Financial planning is an extremely emotional process. Aligning your resources to achieve a desired outcome requires you to identify your wants, hopes and dreams. But emotions are difficult to manage, so most financial service providers prefer to bypass them by focusing on the money instead. They’ll talk about diversification. They’ll ask you about your risk tolerance or if you’re happy with your portfolio’s performance. They’ll recommend…

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Pay Off The #@$! Mortgage

June 24, 2016

You’ve probably wondered about it at least once. When your budget finds an extra dollar, is it better put to use paying down the mortgage or invested into the retirement nest egg? It’s time to end the debate. Pay off the damn mortgage. Set Your Budget Free My preference is for a client’s mortgage to be paid off by the time they’re ready to retire. When you’re on a fixed income for the rest of your life, reducing fixed costs, so there is more room for discretionary spending, frees your budget so you can better pursue passions, interests, hobbies, etc.…

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