Take a look at our September newsletter!
THE WEALTH ZONE
September 2022
119 Old State Rd., Ellisville, MO 63021
CapitalAdvisoryGrp.com
But I Can’t Do It Alone I Aim to Self-Improve Every Day —
Every day, I look for ways to improve both personally and professionally. I strive for self-improvement because it makes me a better person in all aspects of my life. I want to grow and build to provide the best quality and service to my clients, employees, and family. Therefore, I always seek ways to strengthen my weaknesses, create new opportunities, and innovate ideas. But sometimes, in order to improve, you have to ask for help along the way. Seeking assistance isn’t a sign of weakness — it shows strength because you’re aware that in order to become the best version of yourself, you need help from the ones around you. This is one of the reasons why I have a business coach. They help me understand the big picture of my business goals, keep me focused on my tasks and milestones, and assist me in aligning everything in my practice to be one unified system. I was introduced to having a business coach years ago, and it was one of the best decisions I’ve ever made.
every three months in Chicago, which has benefited me immensely. Although I can accomplish my goals and improve my practice alone, a coach’s assistance keeps me on track and provides me with an extra set of eyes to ensure I am doing everything in my power to give the best service and quality to the ones around me. But my coach isn’t the only person who inspires me to improve daily. My team at Capital Advisory Group motivates me every day as soon as I step inside the office. Seeing them work hard and provide the best service to our clients inspires me to do the same. We feed off one another’s energy and offer advice or a helping hand when needed. I couldn’t ask for a better group of people to work with, and I can’t thank them enough for their dedication to the practice and our clients. I want to provide the best working environment for my team. I aim to make the office comfortable for them and offer a safe place for them to get work done efficiently. The only way I can provide my team with the best care is to improve on myself. There isn’t a single person on our team who is more important than the other. We all play a crucial role here, and giving our best each day enables us to become a stronger team for each other, ourselves, and our clients. I would like to thank John, Margrit, and Shawn for their hard work. Capital Advisory Group wouldn’t be the same without you. Your hard work and devotion inspire me to improve every day. I can’t wait to see what we all accomplish together in the future.
“Seeking assistance isn’t a sign of weakness — it shows strength because you’re aware that in order to become the best version of yourself, you need help from the ones around you.”
Coaches are essential for personal improvement. They provide a space and structure for reflection necessary for growth, help you understand what your values are, and offer resources for you to meet your goals. A good coach can help you reconnect with what you love about your life and your work. I meet with my business coach
Happy Labor Day and National Self-Improvement Month, everyone!
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Because of the popularity of the Kevin Costner miniseries “Yellowstone,” the state of Montana is seeing an economic boom, both in tourism and real estate, as people flock to explore the natural beauty of the state. But with Montana’s increasing popularity, traveling there may not be ideal, especially if you want to avoid crowds. Here are some other destinations that offer similar sights and activities! GET OUT AND EXPLORE 3 VACATION DESTINATIONS SIMILAR TO MONTANA
In 1904, the year of America’s first Olympics, the men’s marathon was a bizarre spectacle to behold. In fact, it was likely the most jaw-dropping event ever in the history of the Olympic Games. On that hot, sweltering summer day in St. Louis, MO, only 14 of the 32 Olympic competitors crossed the finish line on what was deemed the most difficult course anyone was ever asked to undertake. Thomas Hicks, the American who actually came in first, received the slowest time of all of the Olympic marathons since 1896. But why was this one so tough? With temperatures of roughly 104 degrees F and 90% humidity, a rigorous 24.85-mile course with seven hills was a bit much for competitors. Not to mention, support cars were churning up dust, leaving it behind for the runners to inhale, and they only had two water stations available before the halfway mark — and none in the second half! Even seasoned runners were not up to this crazy course! Three hours and 13 minutes after the marathon began, Fred Lorz, who had ridden a third of the course in a car, crossed the finish line. He was about to be adorned with a floral wreath when he confessed he had gotten so tired that he accepted a ride from one of the cars along the way, so he was disqualified. Thomas Hicks, the true winner, was struggling with just 7 more miles to go. His fans on the sidelines provided him with a secret energy booster mix — a concoction containing strychnine (rat poison), brandy, and egg whites. By the time he crossed the finish line, he was hallucinating. And the fourth-place winner from Cuba wore dress pants and shoes for the entire race (because he lost his money gambling in New Orleans on his way to St. Louis and arrived after hitchhiking with nothing but the clothes on his back!). This 1904 Olympic marathon went down in history as the most bizarre and wildly entertaining race. Luckily, but surprisingly, nobody died! It’s Unbelievably True! THE CRAZIEST OLYMPIC MARATHON OF 1904
Stanley, Idaho If the mountains are calling your name, then Stanley, Idaho, is the place to go! About three hours northeast of Boise, this gem has three different mountain ranges:
the Sawtooth, Lost River, and White Cloud. This trifecta is home to whitewater rafting, hiking, sightseeing, rock climbing, mountain biking, and exploring. While there’s tons to see and experience during the day, the beauty doesn’t stop at night. As Stanley is situated in the Central Idaho Dark Sky Reserve, you’re able to see so much more in the night sky, such as the Milky Way, meteors, and even planets! Grand Teton National Park, Wyoming In Grand Teton National Park, you’ll find many sights and wildlife similar to those seen on screen in “Yellowstone.” The towering craggy peaks and luscious landscape do not disappoint, and sometimes there is no sign of human development for miles. It’s a truly remote and beautiful place to visit and explore. You are sure to encounter some amazing wildlife while hiking or camping — the park is home to more than 60 species of mammals and 300 species of birds. Bighorn National Forest, Wyoming Specifically known for being remote, Bighorn National Forest is located in north-central Wyoming and offers over 192,000 acres of open wilderness and 1,200 miles of hiking trails to venture out on. The forest contains many meadows and grasslands surrounded by large, dancing mountains and rolling hills. The best part is that there are many different ways to explore Bighorn National Forest. Fishing, camping, mountain biking, rock climbing, camping, hunting, and horseback riding are just a few of the many ways to experience Wyoming’s beauty. Are you ready to get out and explore these different areas of our nation’s beauty? Check some of these great destinations off your bucket list!
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CapitalAdvisoryGrp.com
Does Credit Card Debt Have You Stressed? HERE ARE 3 STRATEGIES TO HELP
2. If you can, pay more than the minimum amount. If you have a large balance on a card, you can pay the minimum amount, but it will take you longer to pay it off. In addition, the longer it takes you to pay off your card, the interest rate on the amount you owe could increase. If you pay more than the minimum, you will pay your card off in less time. You could even try to pay off a portion of your debt several times a month. This will help you build your credit and pay your debt quicker. 3. Review your spending. Debt can accumulate faster on your credit card if you’re unaware of your spending habits. Take some time to review your credit card statement and see where your money is going. Are there any areas where you can limit your spending? It’s easy to overspend on a credit card because you’re technically spending money that isn’t yours. Paying with cash or a debit card is a great alternative to reduce your spending. If you want more tips on how you can pay off more of your credit card debt or if you need financial help, allow your friends at Capital Advisory Group to assist you. We will be happy to review your budget, spending habits, and develop a plan that best suits you and your goals.
With a credit card, debt and interest can increasingly accumulate if you’re not paying off your card monthly. It can become stressful and overwhelming to carry a balance each month because the amount you owe can slowly increase. But if you develop a plan and stick to it, you can pay off your debt sooner than you think. Here are three strategies to help you pay off your credit card quickly. 1. Target one debt at a time. When you have more than one card, paying the minimum amount on each card every month is best. This will ensure you
don’t receive any late fees. Then, you want to focus on paying off the total balance on one card at a time. You can either focus on the card with the highest interest rate and pay that one off first, or use the snowball method. This is when you pay off the smallest balance
and work up to the most expensive one.
Achieving financial security and success doesn’t always have an easy answer. Our team at Capital Advisory Group is dedicated to helping you protect your wealth, and while doing so, you may have the following questions: • What are the rules when investing in cryptocurrency? • Should I retire during a high inflationary period? • Which form of investing is best for me — active or passive? • What do I need to know if I’m retiring this year? If you are curious about any of the above questions, please call Capital Advisory Group today at (636) 394-5524! Have Questions? We Have Answers!
This sweet and savory appetizer is perfect for the transition between summer and fall. GRAPE, GOAT CHEESE, AND HONEY STUFFED SWEET POTATOES
Ingredients
Directions
• 4 sweet potatoes • 2 cups seedless red grapes • 1 tsp grapeseed oil • 1/4 tsp salt, plus a pinch • 1/4 tsp pepper, plus a pinch • 4 oz goat cheese, divided • 2 tbsp honey, plus additional for drizzling • Pinch of cinnamon • Pinch of nutmeg
1. Preheat oven to 350 F. 2. With a fork, poke holes in potatoes. Tightly wrap each in aluminum foil. 3. On a baking sheet, place potatoes and roast for 45–60 minutes, until potatoes are tender. Remove and unwrap foil. 4. With a knife, slit each potato down the middle. 5. Increase oven to 450 F. 6. On a nonstick baking sheet, drizzle the grapes with grapeseed oil. Add a pinch of salt and pepper and toss to coat. Roast for 20–25 minutes. 7. Using a spoon, remove sweet potato flesh while keeping shape intact. 8. In a large bowl, mash sweet potato flesh with 3 oz goat cheese, cinnamon, nutmeg, salt, pepper, and honey. 9. Scoop filling back into potatoes. Top with remaining goat cheese, grapes, and drizzled honey.
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(636) 394-5524
Inspired by HowSweetEats.com
119 Old State Rd. Ellisville, MO 63021 CapitalAdvisoryGrp.com
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ISSUE INSIDE THIS
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This Isn’t a Sign of Weakness, But Strength
The Insane Story of the 1904 Olympic Marathon
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Places to Visit Similar to Montana
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Stressing Over Credit Card Debt?
Grape, Goat Cheese, and Honey Stuffed Sweet Potatoes Donate Today and Receive Charitable Tax Deductions!
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Donate to One of Our Local Food Pantries!
Sept. 2 is National Food Bank Day! Although this holiday is early in the month, we should all try to donate to a greater cause when possible. Helping those in need and donating items you no longer need or food you won’t eat can significantly benefit someone in your community. Here are three food banks in our area that you can donate to this month.
just feed individuals but also empowers them and makes the entire community stronger. If you want to get involved, you can help by volunteering, advocating against hunger, donating to food drives, and donating money for financial support.
FISH of St. Charles INC. 1150 Cave Springs Estate Dr., St. Peters FishOfStCharles.com
Circle of Concern Food Pantry 112 St Louis Ave., Valley Park CircleOfConcern.org
FISH stands for “Friends in Serving Him” and is a volunteer organization that aims to help the less fortunate in St. Charles County by providing food, clothing, linens, and houseware. On average, they help over 5,500 adults and children annually. Since the organization’s formation in 1969, FISH continues to be managed and operated by more than 80 volunteers. You can find more information on their website if you want to donate or volunteer. We donate and give back to our community out of the kindness of our hearts. But you can also receive a charitable deduction on your taxes if you donate. For food bank donations, you can receive a food pantry tax credit. Before you go and donate, go to Dor.Mo.gov/Tax-Credits for more information or give your friends at Capital Advisory Group a call for more resources and details.
Circle of Concern helps thousands of people in west St. Louis County every year. But on top of giving food to those in need, Circle of Concern also offers financial assistance to help individuals pay their utility bills and avoid evictions. They also offer scholarships, children’s programs, and holiday programs.
St. Louis Area Foodbank 70 Corporate Woods Dr., Bridgeton StLFoodBank.org
St. Louis Area Foodbank has helped more than 400,00 people annually with over 500 million pounds of food since opening its doors in 1975. The food bank believes that food is a powerful tool for change. It doesn’t
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Securities offered through Kestra Investment Services, LLC, (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC, (Kestra AS) an affiliate of Kestra IS. Capital Advisory Group, Inc. is not affiliated with Kestra IS or Kestra AS. Neither Kestra IS or Kestra AS provide legal or tax advice and are not certified public accounting firms. KestraFinancial.com/disclosures
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