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Quotes

Quotes

“Nothing in this world can take the place of persistence” said our 30th President of the United States, Calvin Coolidge.  One of my favorite all time quotes as it may be applied to all areas of our daily life.  In our relationships with friends and family, our work...

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Principles

Principles

The following are principles that I’ve adopted over the years when managing various financial and life decisions for my family and also for clients.  This is by no means a complete list, nor should it be taken as advice.  Just some reoccurring themes that standout at...

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College Students & Spending

College Students & Spending

College campuses are opening back up again to welcome students as the fall semester approaches.  Next month, some will arrive to a new dorm as others may return to an apartment with friends.  Now may be a good time to chat with your son or daughter about their...

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Continuing the relationship

Continuing the relationship

When Flowerstone Financial was created 20 months ago, it was with the purpose to serve a limited number of client relationships.  Leaving an environment of transactions and more for more sake, I was curious if a financial firm may be created and grown to serve a small...

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To move or not? 

To move or not? 

Our neighborhood, probably like yours, has seen a lot of houses up for sale and then quickly under contract the past several months.  It’s an exciting time to be a seller, pretty stressful if you are a buyer and want your contract to stand out among the crowd. ...

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Building (and sustaining) Wealth 

Building (and sustaining) Wealth 

What does it take to build and sustain wealth today?  To answer this question, you must first define what exactly wealth means to you?  What role does it play as you look forward to tomorrow?  There are no right or wrong answers, each investor may have their own...

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Rising cost of life 

Rising cost of life 

Our family needs a new dryer as our current one is not working as well as it originally did.  Both our washer and dryer have been running multiple times a day for as long as I can remember.  This is to be expected with a family of five including boys who play sports...

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Biking & Planning 

Biking & Planning 

Dust off your bike and pump up your tires, this Friday, May 21st is National Bike to Work Day!  Many of us are still working from home so biking into work may not be possible.  That’s ok as riding around your neighborhood or exploring a new trail works just as well. ...

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Currency or Investment?

Currency or Investment?

I’ve been pondering a question on the role virtual currencies play as part of a financial plan.  I’m not speaking to a particular currency as there are over 6,000 choices.  As more become available, what purpose do they serve in a planning context?  Are they to be...

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Sell now?

Sell now?

With the S&P 500 index effectively doubling in the past 12 months, is it time to sell?  If so, where do the cash proceeds go?  How long do you hold cash before moving it?  Where do you move it to?  How much cash should be held back if any?  What are you missing or...

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