Redefining & Streamlining
Retirement Plans
What We Do is Simple.
We empower businesses and their employees by providing expert financial advice alongside premier retirement services.
But it’s How We Do it that Makes it Extraordinary.
Business Owners and Execs
Employees
Saving you time and money - We maximize your 401K offerings by turning a typical, ten hour process into one.
We greatly simplify the process and take our education a step further to holistically serve and inform your retirement needs.
And That’s Just the Beginning
We Do it All so You Can Focus More on What Matters Most…
That Means Financial Education & Plan Help from Certified Financial Planners in Two Key Phases
2. Then Guide You Through Each Step of Our Proven Process
1. We Research and Cultivate Options that Best Serve You
Employee Education
In a complex, ever-changing world, what you don’t know CAN hurt you. We’re out to change that, one person at a time.
You see, there’s a difference between investment returns and investor returns... and only one of them matters. If a mutual fund yields 10% a year for 10 years, that is the investment return. Now, let’s talk about investor returns. The only way you’re getting that 10% a year for 10 years is if you don’t touch that investment for the whole 10 years. No adding, no subtracting. Buy it and leave it.
It’s small adjustments like these that we share that can make meaningful to your future goals and nest egg.
Today’s Great Financial Advice
Here’s Four Great Ways to Align Yourself with your Goals and then Take Action
We all know that no matter how worried, scared, or excited we’re feeling, 2+2 always equals 4. But when it comes to money, 2+2 equals all kinds of emotions—like fear, greed, insecurity, pride, and more. The sooner we realize this is true, the sooner we can begin having realistic expectations around what it’s like to talk about money.
THERE’S AN OLD SAYING: WE SPEND MONEY WE DON’T HAVE TO BUY THINGS WE DON’T WANT TO IMPRESS PEOPLE WE DON’T EVEN LIKE. HERE’S THE THING: NOTHING ANYONE ELSE OWNS, WANTS, OR DOES, HAS ANYTHING TO DO WITH YOU. BECAUSE THEY AREN’T YOU.
You, and only you, are you. And for that reason, the only goal that matters when it comes to your money is your own.
Budgeting doesn’t have to be painful. In fact, it can be a fun game.Some friends of mine played this fun little budgeting game I created called Carl Richards’ Budgeting Treasure Hunt.When they started, they had a goal of saving $1 million dollars. Crazy, right? The only way that ever happens is by getting lucky in the stock market or an inheritance. Years later, I got a call. “Carl,” they told me, “we did it! We just crossed the $1 million mark.”They didn’t get lucky, and they didn’t inherit a ton of cash. They just played the game. Here are the rules.
1 Pay attention.
Every time you spend money, just take three seconds to notice what you’ve done. Don’t judge, just notice.
2 Find wasted money.
If you start to notice that certain purchases don’t make you happy, consider that wasted money. Another good place to find wasted money is in basic utilities or subscriptions you’re no longer using.
3 Automate savings.
Take the wasted money you found and spend it! But the trick is, spend it by automatically saving it every month. This can go into a savings account, into an investment, or you can increase the amount you’re throwing at your mortgage.
4 Repeat.
The goal is to see if you can move your automatic savings number up a little each month. This can actually be fun! Again, think of it as a game. Meeting big financial goals is not about getting lucky or having a big break, it’s about consistently doing boring but effective things. The solution is not to grit your teeth and work harder at budgeting. The solution is a simple mindset shift from “Harder, Painful, Grrr” to “Fun, Exploration, Treasure Hunt.” So stop trying so hard, and play the game.
If you choose to focus on days, you are signing up to make yourself miserable. And for no good reason. There’s actually no benefit to this perspective. I can handle pain that leads to gain, but this is just pain that leads to more pain.
ON THE OTHER HAND, WHEN IT COMES TO INVESTING, WE ACTUALLY GET REWARDED FOR IGNORING THE DAILY NOISE. AS WARREN BUFFETT SAID, “BENIGN NEGLECT, BORDERING ON SLOTH, REMAINS THE HALLMARK OF OUR INVESTMENT PROCESS.”
