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YOUR FINANCIAL ADVOCATE 25 JAN
The Journey Matters PROGRESS OVER PERFECTION
It’s hard to believe that we are already 25 years into the 21st century — 2025 is here. Have you set your New Year’s resolutions yet? As I approach my “Level 60” milestone this year, I find myself reflecting on how many times we’ve all gone through the resolution-setting process. It makes me wonder — why do we keep doing this? We set these annual goals with the best intentions, yet life often has a way of derailing them.
And the process of pursuing a goal adds variety and spice to our lives. While it’s easy to say, “the devil is in the details,” the real challenge lies in taking consistent steps forward. Along the way, distractions — like the lure of pizza or ice cream on a diet or unexpected setbacks on the path to our goals — remind us that we’re human. The key is to embrace the journey, imperfections and all, and keep moving forward. Many of us, myself included, can feel frustrated when we fall short of our goals, and that frustration can tempt us to give up entirely. However, it’s important to pause and reflect on what didn’t go as planned. By focusing on what we can adjust or improve, we can set ourselves up for greater success moving forward. Dan Sullivan’s “The Gap and the Gain” offers powerful insights, especially the importance of shifting our focus from what we haven’t achieved to celebrating what we have accomplished. Sullivan emphasizes the value of focusing on progress over perfection. By reflecting on how far we’ve come instead of dwelling on what’s still missing, we foster positivity and motivation. When setting goals, measuring backward and acknowledging past growth helps us stay inspired and maintain momentum toward achieving meaningful and fulfilling objectives. At every phase of life, we strive to evolve and grow — that’s how we shape our journey, by setting goals, intentions, and direction. Whether or not we achieve every milestone, it’s important to embrace the journey and give yourself grace when life’s detours take you off course. As you set your intentions for the new year, remember to be kind to yourself. Achieving your goals may require time and a few resets along the way. Celebrate your wins, no matter how small, and focus on the progress you’ve made. Here’s to growth, grace, and a happy New Year!
For those of us who set intentions but don’t always achieve them, it’s a reminder of our imperfection as humans. However, without setting goals to evolve and improve, we miss opportunities for growth. Goals — whether it’s losing weight or, for me, striving to positively impact a million families and help them save billions from unnecessary risk and loss — give us purpose and direction. They provide meaning to the journey and offer renewal and optimism as we work toward something greater.
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LOGAN GOODARD CHIEF OF STAFF, FINANCIAL ADVISOR STAFF SPOTLIGHT:
in-person financial planning meetings with some of them. I reserve the last hour of my day for prep and personal growth. WHAT WAS YOUR CAREER PATH LIKE BEFORE YOU STARTED WORKING HERE? I studied sociology at Kent State. I then landed a position as an executive assistant to a CEO of a prescription weight loss company where I learned about business operations and executive leadership. After that, I set off on my own journey in cosmetic sales management and continued that career for almost five years before landing my position here. Since I started in July of 2024, I’ve developed skills in financial advising and earned my Ohio
Health and Life Insurance license. Currently, I’m preparing for my Series 65 exam.
WHAT MOTIVATES YOU TO COME TO WORK EVERY DAY? My motivation boils down to three things. First, I am very devoted to my faith in God. My beliefs keep me grounded and inspire me in all aspects of my life, personally and professionally. I’m also very motivated by our clients, who are always our top priority. Lastly, I’m very motivated by my teammates here at Advocate Wealth Solutions. Everyone who works here is very devoted to their work, and I take my leadership role very seriously. It is a privilege to lead a team that shares the same enthusiasm for achieving our goals.
WHAT DOES YOUR TYPICAL WORKDAY LOOK LIKE?
My typical workday is anything but typical. I start my day by sorting though emails and creating a list of the day’s priorities. After that, I may have an early meeting with the CEO about our goals and timelines for said goals. After morning meetings, I dive into my work by connecting with team members and gathering updates on any needed information. Throughout the day, I communicate with clients and may have
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
EPISODE 37: “Estate Planning Essentials: Learn About the Latest Changes in Buy-Sell Agreements With David Foster” EPISODE 36: “Take Control of Your Time: Don’t Let Time Control You” EPISODE 35: “How Attorneys Can Build Stronger Client Relationships and Enhance Their Practice With Ari Galper”
left us a review or have referred someone to our care. Thank you!
Colter Rule Sharon Himmel Kenneth Kilty
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How an Emergency Fund Can Shield You From Financial Storms Rainy Days Happen
Things happen, and in life, we all have rainy days. But that’s why we have umbrellas, right?
a buffer that gives you time to find new income sources or resolve emergencies without drastic financial strain.
to $1,000 and beyond. Reaching these milestones can keep you motivated.
3. Create a Separate Savings Account Keep your emergency fund in a different, easily accessible savings account. This prevents you from using it for regular expenses while ensuring you can quickly access it when you need it. High-yield savings accounts are an excellent option since they offer better interest rates and allow your money to grow over time.
Setting up an emergency fund is a great way to achieve financial stability. Life is full of unexpected events — from unexpected medical bills to car repairs — and having a financial cushion can prevent these setbacks from turning into significant financial hardships. Here’s how to build an emergency fund and why it’s key for your financial health. WHY YOU NEED AN EMERGENCY FUND An emergency fund is your safety net to help you avoid debt when unexpected expenses arise. Without this fund, you may have to rely on loans to cover costs, which can lead to debt and high interest. It’s generally recommended to have 3–6 months’ worth of living expenses saved in your emergency fund. This amount provides
STEPS TO SET UP AN EMERGENCY FUND
1. Calculate Your Monthly Expenses
Start by listing your monthly essentials, including rent or mortgage, utilities, groceries, transportation, insurance, and minimum debt payments. This total represents the amount you need to cover your cost of living. Multiplying this by three will give you a target for your emergency fund.
4. Automate Your Savings
Set up transfers that automatically come out of your bank account to your emergency fund. Regular contributions, no matter how small, can add up over time. If your income fluctuates, aim to save a percentage of each paycheck.
2. Set a Realistic Goal
Instead of aiming for the total amount of an emergency fund upfront, set smaller, achievable goals. For example, start by saving $500, then work your way up
SUDOKU
VEGAN TACO BOWL WITH TOFU CRUMBLES
Inspired by BowlsAreTheNewPlates.com
INGREDIENTS
2 garlic cloves, minced 1 tsp onion powder 1 tsp ground cumin 1 tsp black pepper
2 tbsp adobo sauce 16 oz extra firm tofu
• • • • • • •
• • • • • •
2 tbsp olive oil
1 cup diced yellow onion 2 cups cooked quinoa 1/2 cup salsa of choice
1 tsp dried oregano or epazote
1/2 tsp salt
2 chipotle chilies in adobo sauce, chopped
DIRECTIONS
1. In a large mixing bowl, combine garlic, cumin, black pepper, oregano, salt, chipotle chilies, and adobo sauce. 2. Drain the block of tofu and gently squeeze out the extra liquid using paper towels. Then, crumble tofu using your hands, add to mixing bowl, and toss to coat with spices. 3. Heat olive oil in a large skillet over medium-high heat. Add onion and sauté for 3–4 minutes. 4. Add tofu crumbles and cook for 6 minutes. Add salsa and cook for 1–2 minutes. 5. Fill serving bowls with quinoa. Layer tofu taco meat over the quinoa, then top with extra salsa and other garnishes like lime juice, jalapeños, cilantro, avocado, and sliced radishes.
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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
Progress, Not Perfection, Drives Growth PAGE 1
Staff Spotlight: Logan Goodard
Our Podcast
Client Appreciation PAGE 2
Steps to Setting Up Your Emergency Fund
Vegan Taco Bowl With Tofu Crumbles PAGE 3
Vacation in Tropical Panama PAGE 4
Discover Panama The Central American country of Panama, home to the titular Panama Canal that allows easy passage of maritime traffic between the Pacific and Atlantic oceans, is more than a hub for international trade: It’s a scenic tropical paradise. Just 30,000 square miles in size — smaller than South Carolina — Panama packs a lot of incredible sites into historical district, comprised of Spanish colonial architecture, was named a World Heritage site in 1997. ISLA BASTIMENTOS NATIONAL MARINE PARK AN UNFORGETTABLE TROPICAL PARADISE
This amazing national park, established in 1988, covers over 50 square miles and over 130 islands of the Bocas del Toro Archipelago, including the popular coral reefs of the Cayos Zapatillas. If you are interested in rubbing shoulders with monkeys, sloths, crocodiles, and countless marine species, this is the spot for you!
one compact package. The country uses the American dollar, so you don’t need to exchange currency to make a worthwhile trip there. Here are three locations you can look forward to on your vacation to Panama! PANAMA CITY Founded in 1519, Panama’s capital is a metropolis amidst lush tropical rainforests. Around 40% of the country’s population resides in the city, which is full of amazing historical and entertainment districts that attract tourists worldwide. The Casco Viejo
completed in August 1914, just a month after the outbreak of World War I. The canal works via a system of locks, filled and emptied of water to raise and lower boats. Ships up to 950 feet long transport over 200 million tons of cargo annually through the canal. If you visit Panama, you have to see the canal for yourself!
PANAMA CANAL No list would be complete without
mentioning one of the greatest engineering feats in human history: the Panama Canal. The canal, which runs for roughly 40 miles through the Isthmus of Panama, was
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