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Simply put, an in-service withdrawal feature lets you turn your 401(k) into retirement income. It occurs when employees withdraw funds from an employer-sponsored plan while still working at the company. Essentially, an in-service withdrawal lets you shift a portion of your money away from retirement...
You may have been the beneficiary of a life insurance policy or been given a large inheritance. Are you ready? You may be thinking of making someone the beneficiary. Will they be ready? Sudden Wealth- What’s the financial plan? In the parable of the talents,...
Investors these days like to focus on sustainable investing. Once upon a time, sustainable investing meant a strategy that held up against the test of time. These days though, sustainable investing is a focus on environmental, social, and governance (ESG) factors when selecting investments. This...
Many people hate the thought of financial planning. “Shouldn’t this be simple?” In trying to deal with unpleasant issues, we often look for ways to calm or...
You may assume that small savings won’t make a difference to generating retirement income. As a 50-year-old, I am aware of the good old days of company pensions. My mother and father both benefited from one. They knew nothing of how much...
The Bible is full of life lessons, and that includes investment lessons. Let’s look at one lesson in particular in the New Testament and what it can teach us about wealth management. In the Parable of the Bags of Gold (Matthew 25:14-30), a man goes...
The demands of your work and personal life are many. You spend your working hours focused on increasing your expertise in the field of work you enjoy. When it comes to other fields, such as retirement planning you don’t have the tools or time to...
I have several friends that have been blessed with living more than eighty years of life. Let’s say that rifling through the attic one of them finds an envelope from her birth year, 1932. The envelope reads, “Open on your 80th birthday.” She opens it...
Have you looked at a map at an outlet mall trying to find your way to a particular store? Some of the signs have a “you are here” sticker to help figure out where you’re at. No matter where you are in life —...
Have you looked at a map at an outlet mall trying to find your way to a particular store? Some of the signs have a “you are here” sticker to help figure out where you’re at. No matter where you are in life — planning for retirement or planning your estate — you have goals and dreams. At Envision Wealth, we believe that adopting a holistic financial planning approach that’s focused on what you want out of life improves the chances of achieving it.
Financial planning starts with learning about you. What’s most important to you — family, community, sustainability, pastimes, church. We’ll ask a lot of questions about what you’re really thinking, feeling, and worried about. We’ll also ask about your experiences with money and what you’ve accomplished so far. By helping you articulate your aspirations, we are able to better understand you, and you are better able to understand where you want to be.
You pay taxes, save, spend, invest, protect, support causes and transfer wealth. Successful wealth management combines all these things into a cohesive plan. Looking at your personal situation, we’ll gauge where you are now relative to your life goals and priorities. Where gaps exist, we’ll create a blueprint that fits within your resources, risk tolerances and values. Your odds of achieving your vision increase when you commit to implementing a plan that reflects your values.
Just when you make a plan, life happens — bad economies, illness, and extended disability. Events like these can change everything. We’ll help you plan for the unexpected, anticipate change, and adjust your plans over time, as necessary. Over the course of your lifetime, your dreams, goals, and circumstances can change. Through life’s ups and downs, we’ll be there to provide guidance, monitor your progress, and help keep your plan in sync with your dreams. This disciplined planning process has helped other clients improve family communication, increase accountability and achieve their goals.
How you envision the rest of your life might involve family members, adventurous travel, or passions you postponed to pursue a career or raise a family. Maybe you’re already living the life of your dreams, but are thinking about your legacy. To get to your destination, it is important to find your “you are here” sticker. To explore what this might look like for you, contact us for a no obligation assessment.
Values-Based Financial Planning
At Envision, we help you implement values based financial planning which ensures that your financial decisions are aligned with your most important life goals and values. We’re great at finding ways to save you money and help you build wealth faster, but we’re even better at listening.
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