You lead an active and complex life, and understanding your financial needs and goals is complicated and time-consuming. Do you know where everything is? Power of attorney, tax documents, investment accounts, etc. Have you forgotten about old annuities, insurance...
I recall a commercial by an insurance company that highlighted disability insurance planning. It showed people in their normal daily lives with a voiceover saying today’s a great day to be in an accident, such as a five car...
When I hear personal financial plan it often makes me think of personal pan pizza. Besides the fact that pan rhymes with plan, they both use the word personal. Personal financial plan or one-plan-fits-all Often in financial services things are made for...
Do your investments express your risk tolerance or better stated your comfort with risk? Most often risk tolerance has been approached intellectually. You may have been told: You are young and should take risk. You are retired you should be risk...
When you hear the phrase financial independence, what comes to mind? When you hear the word retirement do the same images come to mind? This isn’t your grandfather’s financial independence The word retirement conjures up thoughts and emotions. Many of those thoughts and emotions are...
In your busy life, have you taken some time for yourself to think about your vision of financial freedom (retirement)? After all, your retirement vision has more to do with having enough resources to live the way that you want to live. Financial Freedom -Less...
Would you steal from yourself? Most people would answer no. But when you take money earmarked for retirement and use it now, that’s essentially what you’re doing. I believe you should only be guilty of a crime if you’re doing it knowingly… so I put...
Many people think about tax planning around April 15. In fact what they are really thinking about is tax preparation. The best time to start tax planning for 2014 was January 1, 2014 and not April 15th of 2015. Many...
Other people have an astounding facility for self-deception when it comes to their own investment decision-making. (If only if they were like us, wink wink). They tend to rationalize their own fears. So instead of just recognizing how they feel...
In 2007, The Center for Retirement Research at Boston College published a research paper entitled, Is there really a retirement savings crisis? An NRRI Analysis. And in the 2022 winter edition of National Affairs republished a 2014 article written by Andrew G. Biggs & Sylvester Schieber entitled...
Average, ranges and sequences of returns In our previous blog, “Investment Planning by Rule of Thumb or Customized for You?” we saw where planning based on rule of thumb alone could get us off track. In this blog, we examine further how our investment...
The illusion of an easy or surefire investment appeals to everyone. The same goes for investment planning. We often look for “rules of thumb” in areas where we have little knowledge or interest. When it comes to returns, many investors use this rule-of-thumb thinking to...
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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