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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...
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...
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...
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....
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...
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...
Suggested reading Summer Edition
Here are some of my favorite books, just in case you are looking for something good to read while you are relaxing this August – or any time really. Whether you’re on the beach, at the lake, or just relaxing at home – or really anywhere in between – I would invite...
Values
Have you ever stopped and reflected upon your personal core values? What do you hold as important and sacred in who you are and the work that you do? Recently, as part of my homework with my coach, I was asked to list out my core values and explain what our...
Teenagers & Money Part II
I wrote about teenagers & money, part one, here. This is a follow up on how to approach a conversation on money and spending with your teenager. Clearly, this is a different summer for many families. Teenagers who have jobs are fortunate and may turn to their...
How much cash?
So how much cash is enough for you and your financial plan? I’m referring to your short-term reserves, emergency fund, and perhaps a future fun account. We covered why you need cash, how to segment it based on purpose, and its impact on your financial plan here. ...
Purchasing a car
In the market for a new car or truck? Perhaps you’re in the market for a used one? Over the past several months, a number of our clients have reached out for guidance on acquiring another vehicle for themselves or a family member. Often, questions surround this...
Managing Debt
At some point in your life you’ve likely had to address a debt payment. It may have been after college graduation when those student loan payments began, or it may have been later in your professional career when you started paying-down grad school or law school...
Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Flowerstone Financial are not affiliated. Cambridge does not offer tax or legal advice.
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