Financial Planning – Page 19

Workers Worry About Money Today, Not Retirement Tomorrow

Financial Planning, Financial Wellness, General Advice, Retirement / By Byron Moore

What causes the average Joe stress at work? Work, right? Or maybe something about work – a bad boss, poor working conditions, toxic co-workers or maybe just Facebook being blocked on their work computer (“dang IT guys!”). Each year international accounting firm PricewaterhouseCoopers (PwC) sponsors an Employee Financial Wellness Survey. Their 2020 survey asked employees, […]

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Financial Freedom

Financial Advice, Financial Planning, Financial Wellness / By Byron Moore

What is financial freedom? If you’re thinking “being wealthy” or “becoming financially independent,” I disagree with you. I know many wealthy, financially independent people who are anything but financially free. For them, money and wealth are a ball and chain, a never-sleeping slave master that makes them do its bidding. Financial freedom is not a

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Are You Prepared to Live to 100?

Financial Planning, General Advice, Retirement / By Byron Moore

What would happen if you lived to be 100? When Wayne was contemplating his retirement from public service, he didn’t want to retire from life. He was looking for an older man who had lived the last portion of his life in an exemplary way. Wayne was 61 at the time. Who looks for a

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Spring Cleaning … Where Do I Start?

How is it that when you have the most unstructured time on your hands, you get the least done? Now, if you’re a doctor or nurse tending to Coronavirus patients, a banker pushing out PPP loans or a grocer working overtime to restock the toilet paper shelves, this doesn’t apply to you. But waaaay more

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What is Wealth?

Coronavirus, Financial Advice, Financial Planning, General Advice / By Byron Moore

What is wealth? Where does it come from? And is it easily destroyed? These are not academic questions unrelated to our daily if Coronavirus-interrupted lives. In fact, your answer to these questions will drive how you respond during and after the worldwide pandemic. Is wealth the sum of all the money in all the banks

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Coronavirus – Good Reason to Delay Planning?

Financial Advice, Financial Planning, Insurance, Savings / By Byron Moore

Question: All the uncertainty surrounding the Coronavirus has me wondering how effective long-term planning can be during times like these. What do you think? Answer: “My life has been filled with terrible misfortune; most of which never happened.” So said French philosopher Michel de Montaigne over 500 years ago…which just goes to show you worry is

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Lessons from a Crisis

Financial Advice, Financial Planning, General Advice, Market Turbulence / By Byron Moore

It isn’t the first time and it certainly won’t be the last. But we find ourselves in the midst of a worldwide health crisis – the Coronavirus (COVID-19). Among the many ripple effects of the disease, and the world’s desperate attempts to contain it has been a significant impact on financial markets. Markets don’t like

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A Way to Get Better

Financial Advice, Financial Planning, Financial Wellness / By Byron Moore

“Do you want to get well?” It’s a question that seems to have an obvious answer, especially if you’re sick. “Of course, I want to get well! What kind of question is that?” Next comes the follow-up question, and here’s where you separate the curious from the serious. “Are you willing to do what it

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Letter from Jack

Financial Advice, Financial Planning, Mistakes to Avoid / By Byron Moore

“How wrong can you be!” It was a message scribbled on a blue post-it note, stuck to a worn and folded newspaper clipping. The clipping was of a column I’d written for the local paper about 15 months prior to the note being written. I came across this old bit of correspondence just this week

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Symbols are No Surrogate for Substance

Financial Advice, Financial Planning, Retirement, Savings / By Byron Moore

I wonder how many patients gorge on fried chicken the day before their first cardiology appointment. I’ve had many people come to see me for financial planning and begin the conversation by “admitting” they just bought a new car. Or a new house. Or maybe a new boat. It didn’t take long to figure out

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