Does change take skill or courage?
We believe that it takes a fair amount of both skill and courage to implement meaningful change. Generally, we find that people are lacking either the skill or the courage and it's the unique application of both these traits that manifests change not just on the margin, but at a fundamental level. When these two powerful forces aren't present together, our default "result" is that we accept the status quo or wind up putting things on hold until there's more time, until we have more information or until we've gained greater clarity.
Reality seems to indicate that the time of perfect alignment that we wish for never comes. The information is consistently ambiguous and with that, there's never that level of clarity we needed. This is in large part why many, many Americans still can't afford to retire after a lifetime of work and it may be worse than we think. Nearly half, roughly 47% of workers at or near retirement are expected to run out of money and not be able to afford to cover basic expenses and health care costs. (1)
More often than not, we choose to focus on the end result of things rather than the behaviors necessary to bring them about. We envision a better life for ourselves or our families. We envision a future filled with almost unlimited choices and we even go so far as to set goals to make those dreams a reality. And yet, the problem remains that we never work on the behaviors that will allow for the emergence of a truly unique future as we envision it.
Knowing what to do is critical. Knowing how to do it is imperative.
True financial planning blends professional expertise with your own unique vision and values. Combining them promotes an action-oriented mindset. The collaboration of advisor and client results in a new reality for decision making that singularly would be all but impossible to replicate. The relationship bonds skill and courage in a highly dynamic way, one that captures both the critical and the imperative.
A truly trusting relationship opens new doors.
(1) Lawmakers Seek To Prevent Americans Outliving Savings: Bloomberg Business Week, June 11, 2010. Click here for the full article.
We believe that it takes a fair amount of both skill and courage to implement meaningful change. Generally, we find that people are lacking either the skill or the courage and it's the unique application of both these traits that manifests change not just on the margin, but at a fundamental level. When these two powerful forces aren't present together, our default "result" is that we accept the status quo or wind up putting things on hold until there's more time, until we have more information or until we've gained greater clarity.
Reality seems to indicate that the time of perfect alignment that we wish for never comes. The information is consistently ambiguous and with that, there's never that level of clarity we needed. This is in large part why many, many Americans still can't afford to retire after a lifetime of work and it may be worse than we think. Nearly half, roughly 47% of workers at or near retirement are expected to run out of money and not be able to afford to cover basic expenses and health care costs. (1)
More often than not, we choose to focus on the end result of things rather than the behaviors necessary to bring them about. We envision a better life for ourselves or our families. We envision a future filled with almost unlimited choices and we even go so far as to set goals to make those dreams a reality. And yet, the problem remains that we never work on the behaviors that will allow for the emergence of a truly unique future as we envision it.
Knowing what to do is critical. Knowing how to do it is imperative.
True financial planning blends professional expertise with your own unique vision and values. Combining them promotes an action-oriented mindset. The collaboration of advisor and client results in a new reality for decision making that singularly would be all but impossible to replicate. The relationship bonds skill and courage in a highly dynamic way, one that captures both the critical and the imperative.
A truly trusting relationship opens new doors.
(1) Lawmakers Seek To Prevent Americans Outliving Savings: Bloomberg Business Week, June 11, 2010. Click here for the full article.
You can get access to our Life Planning app by clicking this link: www.flponline.net
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