Brybeck Financial - December 2019

F INANCIAL F O R U M

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And Preparing for 2020 REFLECTING ON GROWTH

Financial planning has always been my calling. I cherish our relationships and am honored to lead you to your financial goals. As I have grown, this field has grown alongside me. With technological advances, new generations, and different goals, I have had to adjust and shift along with the sweeping waves of change.

up a lot of traction in 2019, and I’m excited to see how that continues into 2020. I hope you have enjoyed reading it as much as I have enjoyed

It was no different in 2019. Here are just a few of the updates I’ve made.

• Instant Communication: You may have noticed — or will notice —more activity from us on your cell phone. That’s because Brybeck Financial now has a system to text appointment reminders and other basic updates to our clients. Anything we can do to make this process easier is a win in my book, and texting fits in with our fast-paced, busy lives. Don’t worry, you can still call us, too! • On Your Soundwaves: I dove into the world of podcasting this spring with my new show, “Navigating the Financial Seas.” In each episode, I share my expertise on financial planning with the help of interviewers who ask me questions. It may not be as exciting as your true crime or comedy podcast, but I’m very proud of how“Navigating the Financial Seas” has turned out. It’s another way for you to educate yourself on your financial plan and goals, and you don’t have to pause your busy life to do so. Tune in on Stitcher or Apple Podcasts! • In Your Inbox: Along with flexing my radio chops, I’ve been appearing on camera, too. I recently began dabbling with videos to send directly to your email inbox occasionally. These videos discuss topics like Medicare, elder care, and options for your parents, among other things. Just like I try to do with my podcasts, I want to offer my clients many ways to stay in touch and learn more about their financial outlook.

writing it. I’m currently in the process of writing a book on retirement and long-term planning, which

I’m collaborating on with another financial professional. I can’t wait to

get this material into your hands and share my expertise with you. We’re putting the finishing touches on this project, so you can expect it soon!

• Staying Connected: Lastly, you may not have seen the work I’ve done because I have been working on myself. I joined a peer study group in 2019, and every quarter we talk through goals, ideas, and systems we are using. I also went to a Triad Advisors LLC meeting where I expanded my knowledge of this field with the latest trends and ideas. It’s been a busy year with many changes and new ideas. I’ve learned so much, developed more ideas for success, and put exciting plans into place. After years in this field, I have witnessed many changes, but no matter what happens, the core values will remain the same. It’s about meeting face-to-face and figuring out how you can achieve your dreams. Have a wonderful holiday and a happy new year. I can’t wait to see what 2020 brings as we go through this financial journey together. —Brian Irving

• Keeping It Old School: Of course, the power of written words cannot be underestimated. Since its beginning last year, this newsletter has picked

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We are dedicated to your financial success. • 1

MORE THAN JUST ‘YOU’LL SHOOT YOUR EYE OUT!’ Lessons Families Can Learn From ‘A Christmas Story’

In 1983, one movie introduced Red Ryder BB guns, fishnet-clad leg lamps, and bright red bars of soap into America’s everlasting Christmas mythos. Now, over 35 years later, “A Christmas Story” continues to delight audiences every holiday season with timeless lessons for viewers of all ages. In a story where kids are clever and kind, and parents are bumbling and wise, “A Christmas Story” has more lessons to offer families than just, “You’ll shoot your eye out!” Your kids are listening to you (oh, fudge!). They aren’t always obedient, but that doesn’t mean they’re not listening. After Ralphie lets slip the “queen mother of dirty words” in front of his father, the narrator reminisces about first hearing that word from his old man — possibly when he was trying to get their furnace to work. He doesn’t admit this to his mother, but it’s a lesson for parents everywhere that kids may hear more than they let on. Kids won’t believe in magic forever. Magical stories about Santa or even “Little Orphan Annie’s” Secret Society fill children’s hearts with wonder but won’t enchant them forever. Belief in certain parts of the Christmas season can fade slowly or die as quickly as the spin of a decoder pin, but parents can always be there to remind children about what’s really important during the Christmas season.

YURT SWEET YURT Glamping in Beautiful Locations

The allure of the great outdoors calls to many, but pitching a tent and cooking over a fire isn’t for everyone. If that describes you, consider the yurt: a small, permanent structure often outfitted with electricity, plumbing, and other modern amenities. Expertly nestled in remote locations, they provide comforts of home in the midst of nature. Here are just a few around the United States available for rent.

Treebones Resort, California

For those new to the glamping scene, this is a great choice for an easy transition. With picturesque views of the Pacific Ocean, the Treebones Resort in Big Sur has an array of spaciously comfortable yurts to choose from. The resort has heated pools, a cozy lodge, and even a sushi bar. About an hour up the coastline, you can find a few shops, restaurants, and art galleries if you decide you’ve gotten your dose of nature for the day.

Sometimes ‘disasters’ lead to new adventures.

Spruce Hole Yurt, Colorado

Christmas Day can be hectic, and, in the hubbub of it all, sometimes disaster can feel inevitable. Ralphie’s parents certainly experience their fair share of disaster in hilarious fashion when the Bumpus Hounds destroy their holiday turkey and leave nothing but the heavenly aroma. But, when Ralphie’s father takes them out to eat at a local Chinese restaurant, it creates a whole new Christmas tradition for the Parker family. Our holiday mishaps, no matter how tragic, are rarely the end of the world.

Nestled in the San Juan Mountains about 10 miles north of New Mexico, this yurt is a snow-lover’s paradise. Skiing, snowshoeing, and hiking trails are plentiful in this backcountry location. At the end of a chilly day, come home to comfy beds, cooking supplies, and decor made to feel like you’re camping — but with sturdy walls to keep out the cold.

Falls Brook Yurts, NewYork

For the glampers who truly want to get away, hike just under 1 mile into the woods of the Adirondack Mountains to discover rustic yurts beckoning you to cook over a fire or bundle up with a book. At night, the yurt’s domed skylight offers excellent stargazing. For those keen on winter activities, skiing and snowshoeing trails start right outside the front door. In the summer, enjoy hiking, fishing, and swimming.

Consider one final tip: Do not stick your tongue to any flagpoles this winter! Happy holidays!

We are dedicated to your financial success. 2 •

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WHAT ABOUT DUNDER AND BLIXEM? The Strange History of Santa’s Reindeer

We all know reindeer visit our rooftops every Christmas Eve, but what brings them there? Follow the unique and complicated history of Santa’s reindeer to find out.

as Santa’s companions. In the late 1890s, the Sami natives of Northern Europe, who were longtime reindeer herders, made their

A visit fromwho on what night? In the 1820s, Clement Clarke Moore penned a holiday poem that became the foundation for a phenomenon still alive today. Commonly known as “‘Twas the Night Before Christmas,”“A Visit From St. Nicholas” is a beloved story shared by every generation. It is in this poem that reindeer were first credited with powering Santa’s sleigh around the globe. Many popular songs, movies, and plays have preserved Moore’s vision of St. Nick, and his reindeer and their names are no exception. (Well, kind of.) Rudolph wouldn’t join the squad until a department store added him as part of their promotions in the 1930s. What’s in a name? Dasher, Dancer, Prancer, Vixen, Comet, and Cupid were all brought to life by Moore, but have you ever heard of Dunder and Blixem? Though we now know the duo as Donner and Blitzen, Moore originally named themDunder and Blixem— the Dutch words for thunder and lightning—but publishing companies wanted names that would rhyme better with the rest of the poem. Still, it was a few decades before Donner and Blitzen made their appearances in the version of the poemwe know today. Reindeer burgers, anyone? Moore’s poem paved the way for Santa’s most famous form of transportation, but it was actually Carl Lomen, an Alaskan businessman, who mass-marketed reindeer

passage from Norway to the U.S. with a herd of reindeer to invigorate the Alaskan landscape and help their native neighbors. Lomen saw the reindeer as an opportunity and partnered with the Macy’s department store

company to create a promotional Christmas parade in which Santa, led by his reindeer, a sleigh, and Sami herders, were prominently featured. Lomen’s goal was to promote his massive reindeer conglomerate for the production and sale of reindeer meat. Instead, a holiday story was born.

CLASSIC ROAST CHICKEN

TAKE A BREAK

Inspired by Ina Garten

Ingredients

Directions

1.

Heat oven to 425 F.

1 chicken, approx. 5–6 lbs

2.

Rinse chicken inside and out, removing giblets if included. Move to a work surface, pat dry, and liberally season with salt and pepper. Stuff cavity with thyme bunch, lemon halves, and garlic head. Brush outside with butter, and then season again. Tie chicken legs together with kitchen string. Meanwhile, in a roasting pan, toss onions and carrots in olive oil and season with salt, pepper, and 20 sprigs of thyme. Place the chicken on the vegetables and roast for 1 1/2 hours. Remove from oven, and let stand for 20 minutes covered with foil.

Kosher salt

Freshly ground pepper

1 large bunch fresh thyme, 20 sprigs removed

1 lemon, halved

3.

1 head garlic, cut in half crosswise

2 tbsp unsalted butter, melted

4.

1 large yellow onion, thickly sliced 4 carrots, peeled and cut into 2-inch pieces

5.

Solution on Page 4

6.

Slice and serve with the vegetables.

Olive oil

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We are dedicated to your financial success. • 3

601 JEFFERSON ROAD, STE. 207 PARSIPPANY, NJ 07054 973.335.9444 WWW.BRYBECK.COM Securities and advisory services offered through Triad Advisors, LLC Member FINRA / SIPC Brybeck Financial and Triad Advisors, LLC are not affiliated.

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INSIDE

1

Meeting Goals and Moving Forward

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Yurts: Glamping at Its Finest Lessons Families Can Learn From ‘A Christmas Story’ How Santa Claus Became Powered by Reindeer Classic Roast Chicken

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Peyo the Therapy Horse

HORSING AROUND Meet a Different Kind of Therapy Animal

Horses have been loyal and useful companions to humans for centuries. But unbeknownst to many who fear these long-legged, 1,000-plus- pound mammals, horses are also naturally intuitive and extremely sensitive to the moods of people around them. These traits make them excellent therapy animals for those with autism, cerebral palsy, chronic illnesses, and PTSD, among many more. In fact, there are dedicated horse- riding camps geared toward chronically ill children and adults all over the world. However, riding horses isn’t the only way to benefit from equine therapy; horses are also fantastic comfort animals

Meet Peyo, the 14-year-old “love stallion” from Dijon, France, who is cheering up chronically ill patients one nuzzle at a time. This accomplished artistic dressage competitor accompanies his owner, Hassen Bouchakour, on visits to hospitals and nursing homes, bringing joy with every clop of his hooves. Patients suffering from all manner of ailments blossom when Peyo comes to visit, laughing and smiling while being nudged by his soft nose. He seems to have a keen sense for patients who are truly suffering, and though his handler is always nearby, Peyo often chooses which rooms to enter of his own volition. Having a horse in a hospital room may not sound very sanitary, but Peyo goes through a strict grooming regimen to be deemed hygienic enough to be around patients. His hooves are greased, his mane and tail are braided, and his entire body is rubbed down with antibacterial lotion before being covered by a blanket. Before Peyo became a therapy horse, he was almost put up for sale by Bouchakour, who had a hard time wrangling Peyo’s fiery personality. But, over time, when they traveled to shows and competitions together, Bouchakour noticed the horse was drawn to the injured and disabled and would instantly calm at their touch. “It is one of the most pure, honest, and sweet things,” Bouchakour says. “They like each other very much without asking for anything else.”

that can relieve anxiety and promote a positive environment for bedridden patients — as long as the doorway is big enough.

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