Shepherd Wealth and Retirement - November 2017






THE ANSWER TO ‘WHAT IS OUR WHY?’ TAKING THE FAMILY APPROACH O ne day not long ago, I found myself in a brainstorming session with my team. We came to the now-famous Simon Sinek question, “What is our why?” I started listening to answers.

working for. At the time, my wife and I had a newborn baby, and as sleep deprived as we were, she helped me make 75, sometimes 100, calls a day selling Medicare supplement insurance. Talking to the population I liked each day fit with my passion and strengths. I was able to connect people with what they needed. Either the insurance I was offering was better than what you had, or it wasn’t. If it wasn’t, no sale. If it was, I

It led me back to my “why” of getting into this business in the first place. My work has always been about providing services that I would want for myself and for my family. It’s really the way I’ve always looked at providing any service, financial or otherwise: providing the best I can for my family and friends. Why wouldn’t I treat clients just like I would my family? Years ago, fresh out of college, I was already aware that I cared about providing people with the best. In my sales position, I found I enjoyed working with older people and they liked working with me. I saw myself as an advocate rather than as a salesperson. Instead of selling something, I was helping a person find what they needed. My sales career took me to an insurance business after I connected with the owner and saw that he was someone I would enjoy SERVICES THAT I WOULD WANT FOR MYSELF AND FOR MY FAMILY. MY WORK HAS ALWAYS BEEN ABOUT PROVIDING

my mother-in-law, we found she didn’t qualify for it because of a health issue. After a lot of research, we found a very similar policy that would accept her, and after moving to assisted living, she’s been able to have all of her expenses covered. Based on this experience and the many people I’ve worked with, I really do believe that all families deserve not just the best that a company offers, but the best that we can find. When you’re looking to make the best decision for you and your loved ones, we’re here for you. At Shepherd Wealth and Retirement, we give you the same advice on how to preserve and grow your wealth that we give to our own families. I look forward to talking with you soon. When you stop by, we’ll be here for you, just like family. If you want to learn more in the meantime, you can find resources at

connected people with what they needed and provided them with a better option than what they had. When long-term care insurance came out, though, I found that the long-term care coverage we were asked to offer was not the best available. Even though I was the most productive salesperson in the company, I was being asked to sell less-than-adequate policies and I could not do that. Shepherd Wealth and Retirement was born from that realization. I started my own, independent company so I could offer and be an advisor to people on the best options out there, rather than just the best available at “the company.” Shepherd Wealth Management is a father- son partnership, but even before David, Jr., joined me, it’s always been a family business. It’s based on answering the “why” of “What choice would I make for my family?” I’m able to ask these questions because I’ve faced them myself. Several years ago, we found the best policy we could for my parents. When it came time to get the same one for

Until next time,

-Dave Shepherd

• 1 (520) 325-1600

to These Financ i a l Scams Financial scams often go unreported and can be difficult to prosecute, so they’re considered a “low-risk” crime. However, they can still be devastating, leaving you in a vulnerable position with little time to recoup your losses. Here are some common scams and what you can do to avoid them. Medicare and Health Insurance Scams In these types of scams, perpetrators may pose as Medicare representatives in order to obtain personal information. Sometimes they will go so far as to provide bogus services at makeshift mobile clinics, then use your personal information to bill Medicare and pocket the money. To avoid this scam, know that a legitimate Medicare employee would never ask for your personal information over the phone or via email, since they already have it on file. If you suspect that Medicare is being charged for a service you didn’t request, call the federal government’s official Medicare hotline at 1-800-MEDICARE. Counterfeit Prescription Drugs Most commonly, counterfeit drug scams operate on the internet. Those who fall victim to this scam find themselves paying money for a drug that does not help their medical condition, and some run the risk of unknowingly purchasing unsafe substances. This scam can be hard on the wallet and the body. Telemarketing and Phone Scams Fake telemarketing calls are one of the most common types of scams. With no face-to-face interaction and no paper trail, they are incredibly hard to trace and identify. Also, once a deal has been made, the buyer’s name is then shared with similar scammers looking for targets. Examples of telemarketing fraud include ... The pigeon drop: A con artist tells the victim that they have found a large sum of money and are willing to split it if the person makes a “good faith” payment. Fake identity ploy: The con artist gets the victim to wire or send money on the pretext that the victim’s relative is in the hospital and needs money. Charity scams: The con artist solicits the victim for money for fake charities. This often occurs after natural disasters. If you have fallen victim to a scam, notify the police, the Better Business Bureau (, and the Federal Trade Commission (1-877-438-4338). Further, obtain the contact information for the Adult Protective Services organization in your area by calling the Eldercare Locator national hotline at 1-800-677- 1116 or visiting and filing a complaint. You are not alone; there are people who can help. DON’T FALL VICTIM


In October , Shepherd Wealth and Retirement hosted The Investment Strategy Game Changer™ Workshop at The Mountain Oyster Club. Our workshop was the focus of the evening, but the setting could have easily stolen the show. Have you ever been to The Mountain Oyster Club? This members-only club boasts a fabulous collection of Western art and a history of preserving Western tradition. Being inside is like stepping into a time machine. Oh, and there’s delicious food to complement the wonderful aesthetics. As attendees arrived, we welcomed them to the card room, which feels very much like a modern version of the card scene in “Tombstone.” Bacon-wrapped water chestnuts and, of course, real mountain oysters accompanied beverages. We got started with some jokes and an introduction from David. During the delicious dinner that followed, attendees were invited to ask any financial questions they had, which were answered by David and Dave. Our guests posed many thoughtful questions, and we were able to tap into our combined expertise to answer them. Later on, while guests enjoyed the club's homemade ice cream and coffee, Dave began the presentation. He covered topics that had been presented with our invitation, and afterward, attendees were able to get answers to any additional questions. Anyone who wanted to stick around was given a private tour of the rest of the club to enjoy the artwork. It was a fantastic evening of sharing our knowledge and adding to the conversation about investment. Thank you to everyone who attended for being an enjoyable audience. We look forward to presenting The Game Changer again soon!



T his excerpt from “The Forever Millionaire” by Dave and David Shepherd gives you a glimpse of their alternative and effective approach to financial planning. Can I trust you? Are you going to screw me over like everybody else, or are you actually going to do something to help me?” A doctor told us that these questions are always on his mind when he’s interviewing financial advisors. Do you have the same thoughts? Do you wonder how you can find someone to trust? We have repeated those two questions in front of audiences in our workshops, and everybody always nods and agrees. Why do people feel like this? The first answer is because, all too often, it’s true. There are many conflicts of interest, including behind- the-scenes payment schemes, incentive trips, HAVE A LAUGH!

and below-the-surface factors that play into getting a poor result. From our experience, many of today’s big financial firms have a bottom-line culture. They sell proprietary products with special incentives, pushing to meet production quotas and corporate goals. They may be hyping a company’s initial public offering, as they make a lot of money assisting with the stock sale, while their internal emails call it a less-than-stellar company. As an investor and consumer of financial services, you should remember three basics. First, you need to know how to find someone you can trust, who will be more like a partner than a salesperson. Second, you need transparency about what motivates the advisor and how he or she is paid. And third, you need to overcome half-truths and use strategies that can help you stay off that scary emotional roller coaster as markets rise and fall.

This is the thread that you will find interwoven throughout these chapters — the need to create order out of what can so easily turn to chaos. A clear and intentional plan that guides your decisions will bring you confidence as you do better in your financial life. If you’re ready to learn more, you can order a copy of the book here: Forever-Millionaire-Making-Choices-Wealth/ dp/1599327538.


INGREDIENTS • 3 pounds sweet potatoes, roughly chopped • 1 onion, chopped • 2 stalks celery, sliced • 2 medium carrots, chopped

• 1 tablespoon garlic, minced • 5 cups chicken or vegetable stock • 1 cup coconut milk • Sea salt and freshly ground black pepper

DIRECTIONS 1. Place all the ingredients except for the coconut milk in a slow cooker. 2. Season everything to taste with sea salt and freshly ground black pepper. 3. Cover and cook on low for 6 hours or on high for 4 hours . 4. U sing a blender or an immersion blender, puree everything until smooth. 5. Add the coconut milk, give everything a good stir, and cook for another 30 minutes. 6. Adjust the seasoning and serve warm. Investment advice is offered through Shepherd Wealth Group, a Registered Investment Adviser doing business as Shepherd Wealth & Retirement. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. Content should not be construed as personalized investment advice or as an offer to buy or sell, or a solicitation of any offer to buy or sell any securities mentioned. Certain content was prepared by a freelance journalist. • 3 WWW.SHEPHERDWEALTH.COM

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Getting to the Root of the Question Don't Get Scammed Investment Strategy Game Changer Workshop 'Can I Trust You?' Slow Cooker Sweet Potato Soup Tips for Your Trip Back in Time TM


W hen people think of a vacation to Greece, the first images that come to mind are often the picturesque beaches of Mykonos Island or plates of delicately layered moussaka. But no trip to the cradle of Western civilization would be complete without a visit to one of the most incredible historical sites in the world: the ancient Acropolis of Athens. Around 468 B.C., while Athens was enjoying its status as the greatest cultural hub of the era, Pericles initiated a robust reconstruction of the Acropolis. Almost half of the population was on the public payroll during the project, generating what would become many of the most memorable structures in history, including the famous Parthenon. Today, the ruins of the Acropolis still stand, a testament to the ingenuity of one of the most advanced civilizations of the classical age.

If you plan on exploring the breathtaking ruins and the Acropolis Museum, which houses over 4,000 artifacts from the site, it’s a good idea to avoid the Mediterranean cruise hordes and get there early, as close to 8 a.m. as possible. A four- day pass to peruse the Parthenon, the temples of Athena and Zeus, and many other world-famous sites costs around 12 euros, but keep in mind you can visit each site only once per pass. Due to the scorching heat that hits the area in the summer, you may want to visit during late winter or early spring.

To absorb the incredible history of this ancient monument, it’s a good idea to either pay for the audio guide as you enter or go to the “Watch, Read, Listen” section of and

download his audio guide for free. You can also get a full tour from a local guide. Head to to find the perfect guide for your trip.

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