In March 2009, Bernie Madoff pled guilty to running a massive Ponzi scheme while billing himself as an investment advisor to his clients. The story is full of lessons for anyone looking for a financial advisor. These questions can help you spot red flags. Do...
Check out these seven ways to damage your retirement planning: 1. Not enough retirement savings. Most Americans have never attempted to calculate how much they need to save for retirement. Pensions hire actuaries to do these calculations. No matter what your investment returns, if you...
Every so often the opportunity to win not just a million but hundreds of millions of dollars in the lottery comes along. Many people have their dream book filled out with the places they would go and the toys they would buy. Speculation or investment...
If you’re like me, you hate decisions that you can’t change. They invite way too much second-guessing. Unfortunately, what you do with your employee pension is one such decision. Companies sometimes ask employees to consider a pension buyout. This usually entitles a lump sum payment...
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...
A retirement plan including stamps? For real? 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...
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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