What I have been taught over the years is to provide my clients with a process of education, discovery, and understanding to find their problem(s) and then provide them a solution(s) to those problem(s) and make it affordable. By working together, we can find those “Lost Opportunity” dollars that are slipping through the cracks of your financial house. Now, after identifying the source of these “Lost Opportunity” dollars, I can provide the client with solutions(s) to keep more money in the family. The client can now consider the solution(s) provided, and should they make sense to he/she, the client can, at that time, give the go-ahead, and I will complete the planning process, and in most cases, the client will have a written plan of action. My clients are never exposed to losing money, pay a fee or experience the Probate courts. I have found, in most cases, all this can be accomplished without the client spending one more dollar than they are currently spending. If what I am sharing with you, thus far makes sense, shouldn’t we have a confidential conversation? Life is getting longer, which is an incredible blessing. It means that we get more time with our family and friends, and more time to do the things we love. However, our society isn’t really structured to support long lives, because most people are encouraged to retire around their 60s and certainly in their 70s. The problem is this exposes people to longevity risk: the possibility that you will outlive your savings account. Nobody is going to take care of you but you. I take a slightly different approach. I want to encourage people to stay in the jobs they love (even if that looks a bit different as you age) and make decisions that stretch income for as long as possible. That way, you don’t have to dread the possibility of living to 120, you can just embrace it! Seven Strategies to Live Long and Prosperous (Kim Butler & Todd Langford, Truth Concepts, great mentors) 1. Find Work that You Love to Do Retiring too early truly is one of the biggest mistakes I see. If you retire at 65, you can reasonably expect to live another 35 years. Yet
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