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YOUR FINANCIAL ADVOCATE 25 NOV
Celebrating Life’s Big and Small Moments GRATITUDE IN MOTION
There’s something about this time of year that naturally makes us pause. Maybe it’s the shorter days, the way Thanksgiving sneaks up right before the holiday rush, or the rhythm of the season. Whatever it is, it reminds us to stop, take a deep breath, and ask: What am I thankful for right now? For me, the list is long this year. The first thing that comes to mind is my daughter’s wedding and the gift of a new family member. Major life moments like that don’t come around every day. They bring a whirlwind of planning, stress, anticipation, and then, before you know it, the day is here, and suddenly you’re on the other side of it. In the moment, those months of preparation don’t always feel easy or enjoyable, but once you arrive where you want to be, you can finally look back and say: It was worth it. That’s the power of gratitude. It reframes the challenges into milestones. And that same idea carries over into the work we’ve been doing in the office. This year brought many changes: realignments, new team structures, new faces, and new roles. If you’ve ever been part of a major transition, you know it’s not always smooth sailing while you’re in the thick of it. But now, looking back, I can honestly say I’m grateful for how far we’ve come. We’ve put in the effort, built the foundation, and positioned ourselves for what’s ahead. It’s one thing to talk about a vision, but quite another to keep pressing toward it even when the route shifts along the way. That ties directly into the March a Million journey. Five years ago, I set a vision with a destination in mind. Now, I have five more years to reach that goal. Along the way, we’ve had to adjust and shift our approach, reshape our team, and find other ways to move forward. But through all of it, that North Star hasn’t changed. That’s the power of having a clear destination: Even when the path winds, you’re never lost, and for that, I’m thankful. Of course, none of this would matter without the people who make it all possible. I’m thankful for our clients and their families, the trust they place in us, and the relationships that make the work meaningful. It’s easy to focus on the day-to-day grind, but at the end of the day, those human connections fuel what we do.
Outside of work, I’m grateful for time to travel, sit still, and be with loved ones. A recent trip reminded me how important it is to do nothing sometimes. We get so caught up in the hustle and bustle of daily life with deadlines, meetings, and constant movement that we forget the value of stopping to breathe. But something is very powerful about being present and savoring the moments that don’t scream for your attention. After all, that’s what Thanksgiving is all about. What’s important is laughter around a dinner table, a quiet afternoon with family, or even the return of football season. These are the little reminders that we aren’t meant to live life at full throttle all the time. We need to appreciate it. So, as we enter this amazing holiday season, take time to count your blessings. Make space to reflect, celebrate where you’ve been, and enjoy where you are right now. The year may not have been perfect. In fact, it rarely is. But if you can look back and see progress, love, growth, or even just a handful of good memories, you have plenty to be thankful for!
Happy Thanksgiving!
Wealth Solutions: AdvocateWealthSolutions.com | Law Office: DuPontEstateLaw.com | 1
HOW LONG HAVE YOU BEEN WORKING AT ADVOCATE WEALTH SOLUTIONS, AND WHAT DO YOU DO HERE? I’ve been working with Greg DuPont for over a decade. Straight out of college, I worked for my father’s financial planning business, and that’s where I met Greg, who was my father’s attorney. In 2003, I started working with Greg directly, as he was managing his title agency office at the time. Today, I have no “typical” day at the office. On any given day, I could be handling HR duties, accounts payable, court documents, correspondence, and answering the phones. WHAT IS YOUR FAVORITE PART OF YOUR JOB? My favorite part of my job is working with clients. We have many clients who do estate and financial planning with us, and I’ve known some of them for 15-plus years. It’s rewarding to know we continue to help these people develop a secure future for themselves throughout their lives. MIKE MOELLER OFFICE MANAGER STAFF SPOTLIGHT:
WHAT WOULD YOU SAY TO SOMEONE HESITANT ABOUT CREATING AN ESTATE PLAN? To anyone thinking about estate planning, I would say just take the time and do it. It’s good to have something in place in case something happens to you, and it’s important to lay out your plans and final wishes for your family. After going through my father’s death, I saw firsthand just how important estate planning is. He had all his documents already taken care of with Greg, so his passing was much less stressful for us. It was nice to know we were doing things the way he wanted.
WE APPRECIATE YOU
WHAT HAVE WE BEEN TALKING ABOUT IN THE PODCAST?
We want to use this space to express our gratitude to the following members of the community who have recently
MINI SERIES EP. 2: “The 4D Estate Planning Advantage for Modern Attorneys” MINI SERIES EP. 1: “The Big Picture: From Practitioner to Legacy Builder” EPISODE 53: “How to Cut Benefits Costs, Not Coverage With Keefe Duterte”
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Sugato Ganguly Rekha Joon Donna and Steven Tretter The Talebis
Stacie Tassos Tyler Enmen Donna Radovich
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2 | Wealth Solutions: 614-408-0004 | Law Office: 614-408-0529
Works for Some, Not for All The Truth About the 50/30/20 Budget
When it comes to managing money, one of the most popular rules is the 50/30/20 budget rule. It’s simple, easy to remember, and often recommended as a beginner’s framework for taking control of your finances. But the big question is: Does it work for everyone? WHAT IS THE 50/30/20 RULE? The rule suggests dividing your after-tax income into three categories: 50% for needs: mortgage, rent, groceries, insurance, utilities, transportation, and minimum debt payments.
On paper, this formula makes a lot of sense. It balances living for today with planning for tomorrow, while still leaving room for the fun things that make life enjoyable. THE CHALLENGES IN REAL LIFE In practice, though, it’s not always that straightforward. On one hand, if you live in a high-cost city, 50% for “needs” may not be realistic. Rent or mortgage alone might eat up nearly that much. On the other hand, someone with a higher income or living in a lower-cost area might find their “needs” take up far less than half their income, freeing up more to save or invest. Your stage of life also matters. A new graduate juggling student loans may struggle to hit the 20% savings goal, while a parent paying for childcare may need to adjust the ratios. Someone aiming for early retirement might even want
to flip the numbers to prioritize saving well beyond 20%.
WHY IT’S STILL A GOOD STARTING POINT Still, the 50/30/20 rule is great for its simplicity. It gives you a road map without requiring dozens of categories or hours of bookkeeping. It’s not about perfection; instead, it’s about awareness and balance. SO, DOES IT WORK FOR EVERYONE? Not exactly. But it can work for anyone willing to customize it. Think of it as a flexible framework, not a strict rule. Shift the percentages to fit your reality, whether that means 60/20/20, 70/20/10, or something else entirely. At the end of the day, the goal isn’t to follow someone else’s formula, but rather to create a budget that reflects your life, supports your goals, and helps you live within your means.
30% for wants: dining out, vacations, subscriptions, or hobbies.
20% for savings and debt repayment: building your emergency fund, contributing to retirement, or paying extra toward debt.
SUDOKU
BAKED PINEAPPLE SALMON
INGREDIENTS
1 can pineapple slices, drained, reserving 1/4 cup of juice
4 tbsp hoisin sauce 3 garlic cloves, minced 2 tbsp fresh lemon juice
•
• • • • •
2 1/2 lbs side of salmon Salt and pepper, to taste 1/2 cup sweet chili sauce
• • • •
2 tbsp fresh cilantro, chopped
Lime slices
1/4 cup unsalted butter, melted
DIRECTIONS
1. Preheat oven to 375 F. 2. Line a baking sheet with aluminum foil. 3. Place pineapple slices on baking sheet.
4. Season both sides of the salmon with salt and pepper and lay over pineapple. 5. In a small bowl, whisk together chili sauce, melted butter, hoisin sauce, garlic cloves, lemon, and pineapple juice. Pour over salmon.
6. Bake for 15 minutes or until cooked through. 7. Garnish with cilantro and serve with lime slices.
Inspired by ChefJar.com
Wealth Solutions: AdvocateWealthSolutions.com | Law Office: DuPontEstateLaw.com | 3
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YOUR FINANCIAL ADVOCATE A publication of Advocate Wealth Solutions, blending original and curated content, and is intended to educate the general public about investing, finance, estate planning, personal injury, and small-business issues. It is not intended to be legal or financial advice. Every situation is different. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.
INSIDE
Finding Gratitude in Life’s Big Moments and Everyday Wins PAGE 1 Staff Spotlight: Mike Moeller Our Podcast Client Appreciation PAGE 2 Does the 50/30/20 Rule Really Work in Today’s World? Baked Pineapple Salmon PAGE 3 Paradise Found PAGE 4
Bungalows and Bliss TROPICAL ESCAPES TO SAVOR
FRESH PERKS IN FRENCH POLYNESIA Outdoor bungalows are also a big hit in Bora Bora. In addition to in-room pools, the Four Seasons Bora Bora resort offers guests a view of Mount Otemanu that all intrepid travelers should experience at least once. Over at the Westin Bora Bora , vacationers can take in the locale’s modern aesthetics while sipping cocktails at its swim-up bar. If you plan to travel with a large group, the two-story Presidential Suites and overwater villas at the Conrad Bora Bora Nui are outstanding options. Not surprisingly, Bora Bora isn’t the only place to visit in French Polynesia. Although the Hilton Moorea Lagoon Resort and Spa tends to book up quickly due to its smaller size, it’s worth trying to get a room for this vacation spot’s famous snorkeling sites alone.
seven restaurants offering a vast array of global delicacies. Another Maldives mainstay, Soneva Fushi , offers some of the largest overwater villas in the world — perfect for viewing the area’s breathtakingly clear waters. And if you’re a fan of exploring tropical travel via social media, you’ve likely caught an eyeful of Instagram favorite Soneva Jani. This Maldives destination provides guests plenty of playful options, ranging from a waterslide to a trip on one of the resort’s seaplanes. Of course, an extraordinary vacation doesn’t necessarily mean spending time in an expansive environment. Those looking to balance luxury with a low-key vibe should check out Gili Lankanfushi Maldives , a boutique resort that invites guests to lounge on a private water hammock as their worries wash away.
Whether you’re looking to book a tropical trip this winter or want to live vicariously through descriptions of dream destinations, this article is for you! From overwater bungalows to swim-up bars, these resorts redefine relaxation in some of the world’s most glamorous getaways. A SPECTACULAR SOUTH ASIAN SOJOURN If you want to add flavor to your wintertime festivities with an international jaunt, the Maldives, just southwest of India, is home to some of the world’s most renowned resorts. Celebrated for its spacious rooms, private pools, and “floating breakfasts,” The Ritz-Carlton Maldives, Fari Islands , boasts
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