Live on Less Than You Make

Written by Skip Fleming.

Live on Less Than You Make

I know that you think this is so simple, that anyone can do it. Then why are so many Baby Boomers approaching retirement worried about having enough money?

Many in our generation seek the advice of a Financial Professional when they believe they need their investments to perform better. A real Financial Planner will look at the entire picture and not just the investments. The key to living a more secure retirement is living within your means. This begins while you are still earning, as well as when you stop.

Investing Your Time vs. Spending Your Time

Written by Skip Fleming.

investing your time

Investing Your Time vs. Spending Your Time

The same principles of investing money apply

If I asked you how you spend your money, you could answer with a decent amount of precision (and maybe some embarrassment). However, if I asked you how you invest your money, your answer would be very different – because spending money and investing money are two very different actions.

Setting Financial Goals

Written by Skip Fleming.

Setting Financial Goals

When first meeting with clients, I always ask if having written goals are essential to their financial success. In 16 years of practice, I have never met anyone who has said no. However, when asked to review those written goals with me, fewer than ten of the hundreds of clients I have worked with actually have written down their goals. This used to surprise me. However, I have come to understand that although almost everyone agrees written goals are important, few have ever learned how to write useful financial goals.

Here are some steps I teach clients in helping them write their financial goals:

Personal Finance and the Serenity Prayer

Written by Skip Fleming.

Personal Finance and the Serenity Prayer

As children, many of us learned this short prayer:

"God grant me the serenity to accept the things I cannot change;
the courage to change the things I can; and wisdom to know the difference." What does this prayer have to do with Personal Financial Advice?

Everything.

Signs You Need a Financial Planner

Written by Skip Fleming.

Financial Planners Help Build Better Experiences

Sometimes it's hard to tell if you need professional help for a problem or if you can handle it yourself. Whether it's taking care of a common cold, fixing the sink, changing the oil in your car or doing your own taxes. The same question often arises about finances.

It happens all the time - financial questions pop up that you consider silly or stupid so you feel like you must handle alone and you don't seek help. This is not the best course. As happens often in life, not reaching out to a professional can delay you reaching your goals and cause you to incur more out-of-pocket expenses and lots of headaches.