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Three numbers that matter…part 2 of 2

Three numbers that matter…part 2 of 2

In our prior post, we covered the historical, real life returns of large companies compared to bonds after accounting for inflation.  We determined that you must have a plan before selecting investments.  Not doing so causes you to lean on outputs that are out of your...

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Three numbers that matter…part 2 of 2

Three numbers that matter…  part 1 of 2

Before crafting a financial plan, before creating an investment policy statement, before you invest, it’s important to recognize and be familiar with three numbers.  These three numbers by themselves will help you make sense of what risk is, what it is not, and what...

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Open Enrollment arriving soon…    

Open Enrollment arriving soon…    

Open enrollments will begin for many companies in the coming weeks.  In an effort to be prepared before your window opens, consider reviewing the following outline.  This may allow you to organize your “insurance” choices in advance before your employer’s enrollment...

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Wealth Creation

Wealth Creation

Sustainable long-term wealth is built slowly - especially during these uncertain times.  It’s not the big return years we naturally think of, such as 2017 and 2019, that make the largest impact.  Likewise, it’s also not the years 2012-2016 when we look back in the...

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Walking, Biking & your Wealth

Walking, Biking & your Wealth

One of the ideas we have tested in the past is can you have productive conversations around your financials and planning outside of a formal office setting?  Having worked as a financial professional for close to two and half decades, I have held thousands of meetings...

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Box of Legos

Box of Legos

Like many families, we have what seems like a million Legos in our house.  They accumulated slowly overtime, typically around birthdays and holidays.  All of our boys have enjoyed playing with them, my youngest still loves them.  Financial planning is a lot like a...

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Transparency

Transparency

Several weeks ago I shared the values of Flowerstone Financial and what we stand for as a firm when serving the planning needs of families and professionals.  A complete list of our values and what drives our firm may be found here.  Today I want to touch on one of...

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THE NEW KIND OF FINANCIAL PLANNER

THE NEW KIND OF FINANCIAL PLANNER

Entirely focused on YOU Flowerstone Financial was founded to challenge the status quo of the advice industry. When the group goes right, we go left. When they get bogged down in hitting quarterly numbers, we’re laser-focused on providing a quality planning experience....

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Planning margins

Planning margins

“Planning margins” continues a theme from my last post, “Planning is Not a Straight Line”.  I want to elaborate on what planning margins are and the value they hold in helping you meet your financial and life goals.  Specifically, how do they impact your ability to...

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Planning is not a straight line

Planning is not a straight line

It’s a rarity to have a goal achieved 100% according to the plan.  Things don’t always go as planned, and changes along the way are often required. Our journey often begins with a known direction, seeking something important.  As time passes, you may be forced to zig...

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