Capital Advisory Group, Inc. January 2019


119 Old State Rd., Ellisville, MO 63021

JAN 2019

Welcome to January! It’s a new year, and there are opportunities to start it off strong in every area of your life. For many, it means making weight loss and fitness resolutions. For others, it’s time to implement the goals made at the end of 2018. Whatever you want to achieve, it’s important to take time to reflect on how the last year went and consider what you want to accomplish now. At Dominican University, a study on goal setting found that people are 42 percent more likely to achieve their goals when they write them down. Something powerful happens when you put your goals to ink and paper. Instead of just daydreaming about what you want to do, by writing down your goals, your brain connects to real-world opportunities that will help you achieve them. Another variable that makes that percentage rise even higher is having someone to share your goals with. Researchers found that people who had a “partner in believing”— someone you Write Down Goals and Get Organized MAKE THE MOST OF THE NEW YEAR

and not think about them until March, but you’ll thank yourself in the future if you develop a system to organize those files now. This month, we’re mailing out our tax organizers, which are great tools for putting your 2018 documents in order and in one place. If you haven’t already received your tax organizer, look for that to come soon! Inside this newsletter, you’ll find some additional tips for organizing your documents for 2019.This is a great time to evaluate what you want to achieve in 2019 and get your affairs in order to make the rest of the year easier. Reach out to us if you have any questions. We’re happy to help. -Jeff and John Zufall

share your goals with who believes you can accomplish them — were even more likely to achieve them. So if you do one thing this month, write down what you want to accomplish and share it with someone who believes in you. Whether it’s running a marathon or just going to the gym three times a week, putting your ambitions into writing and taking action will help you get to where you want to be this year.There’s so much potential to make this the best year yet. We believe in you! It’s also a great time to do a bit of New Year’s cleaning. Once you’ve taken down those holiday decorations, you can turn your attention to putting your financial documents in order and getting ready to turn them over to us for filing. It’s easy to just stick all those receipts into a cabinet

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Bill Walsh on What It Means to Be a Leader ‘THE SCORE TAKES CARE OF ITSELF’

Though podcasts have been around for over a decade, they have only recently found their stride in popular culture. And they don’t all feature nerds talking about “Game of Thrones.” In this form of audio entertainment, there really is something for everyone. A number of podcasts have broken into mainstream pop culture, like “My Favorite Murder,” “This American Life,” and NPR’s “Planet Money.” But these are only the tip of the iceberg. Here are a few lesser-known podcasts that are seriously worth your time. Start Something Fun: ‘Spirits’ The title “Spirits” is a play on the stories told and drinks enjoyed on this podcast. Co-hosts Amanda McLoughlin and Julia Schifini offer a fresh take on myths, legends, and folklore. From Greek classics to the tale of the Javanese Mermaid Queen, these lifelong friends and mythology enthusiasts examine what the stories we tell say about our culture, traditions, and values. If you’re eager to fill your year with something kinda creepy and kinda cool, you can’t go wrong with “Spirits.” Start listening at Go on an Adventure: ‘The Far Meridian’ Audio dramas are back and thriving in the world of podcasts. “The Far Meridian” explores the story of Peri, a lighthouse keeper whose brother disappeared long ago. Peri is terrified of leaving her home, so she’s never discovered what happened to him.That changes when her lighthouse begins to appear in a new location every morning, initiating her search for her brother. Fantastically fun and painfully real, this is a story about the courage it takes to leave home behind. Join the girl in the lighthouse at Tackle Your New Year’s Resolutions: ‘TheMarie Forleo Podcast’ We all need some advice. Why not get it from someone who knows what they’re talking about? Marie Forleo is an entrepreneur, writer, and philanthropist. And according to Oprah, she’s a thought leader for the next generation. Her mission is to help you become the person you most want to be. On the podcast, Marie and her guests discuss business, relationships, fear, love, and so much more. Get inspired at The Best Podcasts to Start in 2019 LISTEN TO SOMETHING NEW

The term “game changer” gets tossed around so much these days that it no longer seems to hold enough weight to describe a legendary coach like Bill Walsh. But how do you describe someone who quite literally changed the way football is played on the highest level? It takes incredible willpower to defy conventional wisdom and turn a struggling team into a powerhouse.

In Walsh’s memoir on leadership, “The Score Takes Care of Itself,” he explores the philosophy that guided him through his coaching career and led him to success. Working with award-winning author Steve Jamison, the two distill Walsh’s decades of experience into a comprehensive guide that can be used by coaches and CEOs alike. One theme throughout the book is the idea that sound fundamentals trump instincts. As Walsh aptly puts it, “Hearing someone described as being able to ‘fly by the seat of his pants’ always suggests to me a leader who hasn’t prepared properly and whose pants may soon fall down.” For long-term success, you have to have a game plan. For Walsh, preparation for leadership begins by bracing yourself for the worst. A mantra repeated throughout the book is “expect defeat.” In business and in football, losses are just a fact of life; how you prepare for and respond to these crises will determine your team’s success. But the most valuable element of leadership in Walsh’s eyes is how you treat the members of your team. You need to have the courage to let them know you believe in them. Using simple but earnest positive reinforcement, this legendary coach turned the 49ers into an incredible team, and the benefits show. Segments of the book contain anecdotes and reflections from players such as Joe Montana and Randy Cross, whose deep admiration for their former leader speak volumes. “The Score Takes Care of Itself ” was published posthumously. Walsh’s son, Craig, did much of the legwork to piece this definitive portrait together. What we are left with is a truly insightful read from one of the most innovative, inspiring minds in sports history. It will be a long time before a book like this comes around again.

This list is just a start to the wealth of amazing, diverse podcasts out there. News recaps, sports history, true crime, pop-culture throwbacks, and plenty more fantastic audio entertainment awaits on your phone’s podcast app. Start listening to your new obsession today!


guaranteed to give you a competitive



Start With a Full Pot of Honey in the New Year

TAKE A BREAK goals is crucial, but before you can do that, you need to know where you stand. Look through savings accounts, checking accounts, credit cards, and investments. Find out where your money goes! Addressing this may feel stressful, but it will allow you to set realistic expectations for the year. “Did you ever stop to think, and forget to start again?” –Eeyore Jan. 18 is Winnie the Pooh Day, a celebration of author A.A. Milne’s lovable characters. Each one has something we remember them by: Eeyore is always down and sad, Tigger is bouncy and bubbly, Pooh is silly and sweet, an Roo is curious and adventurous. When it comes to gathering important documents needed for taxes, it’s easy to become overwhelmed, but don’t be an Eeyore — embrace Roo’s adventurous spirit and forge ahead! As you’re putting your documents in order, here are 10 strategies to get you on track. 1. Assess where you are. Setting financial

2. Create a budget. One of the best things you can do for your finances is set a budget. However, once done, you have to stick to it! 3. Use personal finance software. Knowledge is power. For example, how much did you spend at the movies last year? With finance software, you can know the answer with just a click. 4. Prioritize your debts. Not all debt is equal — make a list based on interest rates and pay the highest off first. 5. Pay off your debt. Interest is stealing money from you, so paying off debts now will enable you to invest it in the future. 6. Keep spending to a minimum. If you are a spender, you might need to change your habits. Study your budget and see where you can cut spending. 7. Plan for retirement. Retirement is coming and you should be prepared for it. Figure out how much you need to live

the retirement lifestyle you want, and set a plan to make it happen. 8. Read a financial book each month. The printed word is amazing because it allows you to communicate directly with the most brilliant financial minds. Picking up a finance book is an excellent way to get the advice you need. 9. Create clear and concise goals for the year. Focus on where you want to go and how you’re going to get there. Creating a step-by-step guide will allow you to celebrate your small victories along the way. 10. Stay organized. Organization is critical to meeting your financial goals for the year. When it comes to your personal budget, the more organized you are the better. As you’re following these tips, harness the energy of Tigger and get organized!



Inspired by

• 2 pounds ground beef • 3 medium onions, chopped • 1 garlic clove, minced • 3 cans (10 1/2 ounces each) condensed beef broth, undiluted • 1 can (28 ounces) diced tomatoes, undrained • 3 cups water • 1 cup carrots, diced

• 1 cup celery, diced • 1 cup fresh or frozen cut green beans • 1 cup cubed potatoes, peeled • 2 tablespoons fresh parsley, minced, or 2 teaspoons dried parsley flakes • 1 teaspoon dried basil • 1/2 teaspoon dried thyme • Salt and pepper to taste


To save chopping time, use frozen sliced carrots and cubed hash brown potatoes in savory winter soup. 1. In a large skillet, cook beef and onions over medium heat until meat is no longer pink. Add garlic; cook 1 minute longer. Drain. 2. Transfer to a 5-quart slow cooker. Stir in remaining ingredients. Cover and cook on low until vegetables are tender, 6-8 hours.


(636) 394-5524

119 Old State Rd. Ellisville, MO 63021


Starting the NewYear on Strong Footing

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My Favorite Podcast

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The Philosophy of Bill Walsh

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10 Financial Tips for 2019

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SavoryWinter Soup

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3 Fun Facts for National Soup Month

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3 Fun Soup Facts in Honor of National Soup Month

Kenya, that means using what the land provides — including bananas, coffee, and dirt. Apparently, this specialty ingredient adds an earthy and salty flavor to the broth. Despite the many varieties, chicken noodle soup continues to be the frontrunner in popularity in the U.S. So go ahead — put a pot of soup on the stove, let it simmer, and enjoy. Grilled cheese on the side is optional, but highly recommended.

Hot or cold, thick or creamy, breakfast or dessert — soup is found in every culture, as it’s both easy to make and delicious. Considering how January makes us want to curl up next to the fireplace with a good book and something to warm our hands (and bellies), it’s fitting that it’s National Soup Month. Check out these three fun facts about the classic dish. EXTRA, EXTRA! CAMPBELL’S TAKES THE MEDAL It was the turn of the century, and the Paris World Exposition celebrated innovations in front of an international audience. During this 1900 event, Campbell’s earned worldwide fame. The company was awarded a gold medal, the icon of which has graced the Campbell’s soup label ever since.

SEINFELD’S ‘NO SOUP FOR YOU’ EPISODEWAS BASED ON A REAL PERSON The infamous Seinfeld character who refuses service to unworthy patrons is based on a New York chef who, like his character, made famously delicious soups. Also like his character, the real- life chef was dramatic toward customers. “You had to order your soup correctly or he would kick you out of line and say, ‘No soup for you!’” says Seinfeld writer Spike Feresten. In a case of life imitating art, a year after the episode aired, Jerry Seinfeld visited the chef ’s restaurant, only to be told, “No soup for you!” ANYTHING GOES IN SOUP FOR THE CHAGGATRIBE Soup is dynamic because it allows you to make the most of any ingredients you have on hand. For a tribe living at the foot of Mt. Kilimanjaro in


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