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focusyou.bsky.social

@focusyou.bsky.social
6 followers 1 following 117 posts
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focusyou.bsky.social @focusyou.bsky.social · 07/10/2026
“If you had five minutes to teach someone how to be financially successful, what would you tell them to do?” There are many details and considerations out there when it comes to achieving financial success. But when you boil it down, these steps could help you get to where you want to go.
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focusyou.bsky.social @focusyou.bsky.social · 05/10/2026
Think of gauging your Risk Tolerance in relation to driving. MILD Risks – Everyday Driving MODERATE Risks – Adverse Conditions HIGH Risks - Uncharted Territories Remember, whether you're on the road or managing your finances, it's crucial to know your risk tolerance and to plan accordingly.
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focusyou.bsky.social @focusyou.bsky.social · 02/10/2026
The reality is that retirement is not the cessation of all activity. In fact, it’s most often an increase in activity! And the beautiful thing? It’s all up to you as to what those activities are! What hobbies do you think you’ll start in retirement?
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focusyou.bsky.social @focusyou.bsky.social · 25/09/2026
Can you retire when YOU want to? Do you know if: 💲Income taxes go away when you retire? 💲Social security benefits are or are not sheltered from taxes? 💲Tax consequences apply to you if you don’t start to withdraw your pre-tax savings at age 70½? Let us evaluate your retirement plan!
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focusyou.bsky.social @focusyou.bsky.social · 23/09/2026
In the world of investing, there are many strategies you can pursue. This infographic shows the difference between two of the primary overarching types of stocks you can purchase as an investor, as well as the pros and considerations to each.
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focusyou.bsky.social @focusyou.bsky.social · 21/09/2026
One of the biggest drains on finances is medical bills. It’s a rare individual who goes throughout life without needing a surgery, procedure, or hospital stay. Hopefully that day never comes but if it does, don’t despair because there are steps you can take to reduce and pay off medical debt.
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focusyou.bsky.social @focusyou.bsky.social · 16/09/2026
Ever played Monopoly? If so you’re probably familiar with Rich Uncle Pennybags. Stereotypes make people think investing is only for the rich, but it doesn't have to be! While I wouldn’t recommend any specific approach without speaking to you, consider: 📈An IRA. 📈A 401(k). 📈An index fund.
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focusyou.bsky.social @focusyou.bsky.social · 14/09/2026
529 plans have been around for decades. Although they’re a popular college savings vehicle, there are misconceptions about them. #1: 529 Plans Are Only for Children's College #2: Families NEED to Contribute a Certain Amount #3: Families Can Only Open a 529 in the State in Which They Reside
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focusyou.bsky.social @focusyou.bsky.social · 11/09/2026
On September 11, 2001, the US experienced one of the most shocking and unsettling tragedies in history. The September 11th attacks took the lives of over 3,000 individuals. We take a moment of silence to show our respects, so that their legacy may live on, and their memory will never be forgotten.
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focusyou.bsky.social @focusyou.bsky.social · 09/09/2026
In today’s market, you must: Regularly reevaluate your present assets. Implement an intelligent asset-allocation plan that aligns with your risk profile. Manage and monitor risk, turnover, and expenses—and rebalance all of this annually.
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focusyou.bsky.social @focusyou.bsky.social · 04/09/2026
Celebrate Labor Day with a fresh perspective! As you’re celebrating, look around and consider the labor that made your celebration possible. Each item is a testament to the power of labor and the connections that unite us. Have a happy and relaxing Labor Day!
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focusyou.bsky.social @focusyou.bsky.social · 02/09/2026
With the way the markets have been these past couple weeks, have you given any thought to your current asset allocation and risk tolerance? Market volatility is a good time to determine whether you are invested the way you should be, given your age, financial goals, and ability to take on risk.
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focusyou.bsky.social @focusyou.bsky.social · 31/08/2026
Nobody likes paying more taxes than necessary. Your tax strategy for retirement should start during your working years. If planned appropriately, you’ll want to have three sources of income in retirement from a tax standpoint: • Tax Deferred • Tax Free • Tax Advantaged
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focusyou.bsky.social @focusyou.bsky.social · 28/08/2026
Once you have a retirement plan in place, it's essential to focus on all the things money can't buy. Here are 3 things happy retirees do – Happy retirees work at staying healthy Happy retirees stay social Happy retirees never stop learning
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focusyou.bsky.social @focusyou.bsky.social · 26/08/2026
People nearing retirement have a lot on their plates. Consider these tips if retirement is on the horizon! Lengthen Your Long-Term Plan Automate Your Savings Pay Yourself first So before you pay the mortgage or any other bill, be sure to put some money into your retirement fund.
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focusyou.bsky.social @focusyou.bsky.social · 24/08/2026
In my experience, there are four top concerns that many people have about their retirement. If you have any of these concerns, it’s important to start addressing them now. That way, your retirement will be as stress-free as possible! Are any of these causing YOU stress?
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focusyou.bsky.social @focusyou.bsky.social · 21/08/2026
Research shows that a happy retirement is about more than having enough money to pay your bills. Some of the happiest retirees have a few things in common beyond financial security —all having to do with staying active in some way. They Go Back to Work or Volunteer They Socialize They Exercise
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focusyou.bsky.social @focusyou.bsky.social · 19/08/2026
The Council for Economic Education says 23 states mandate a personal finance course for students. And 47 states include finance in their education standards. The bad news is that the education offered varies widely. Questions about how to help financially educate the next generation? Call me.
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focusyou.bsky.social @focusyou.bsky.social · 17/08/2026
Although some advice you hear will change, here is some sound advice to consider about your finances and investments that is absolutely timeless. 📈Save & Invest 💳Lighten Your Credit Load 🌧Boost Your “Rainy-Day” Fund 💪Take control of your money 😌Know Your "Investment-Self"
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focusyou.bsky.social @focusyou.bsky.social · 14/08/2026
Oxford University says that a meaningful life lessens the effects of aging. And research from P. Hill and N. Turiano found that people with a sense of purpose/direction in life outlive their peers. You could have all of the money in the world but without a sense of purpose, what would it be worth?
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focusyou.bsky.social @focusyou.bsky.social · 12/08/2026
Retirement is about finally having the opportunity to focus on living. For that reason, retirement should be fun. It should be enlightening. It should be rejuvenating. Above all, retirement should be whatever it is you want it to be! So, what’s your plan for retirement? What’s your dream?
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focusyou.bsky.social @focusyou.bsky.social · 10/08/2026
A beneficiary is a person who derives benefit from something like a trust, will or life insurance policy. But did you know there are different kinds of beneficiaries: Primary, Irrevocable, Revocable, and Contingent. Speak to a financial professional for more information on the their differences.
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focusyou.bsky.social @focusyou.bsky.social · 07/08/2026
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focusyou.bsky.social @focusyou.bsky.social · 05/08/2026
You might be able to give more with publicly traded securities. When donating a security that has been held for more than a year, you can claim the FMV, up to 30% of your AGI on your taxes and no capital gains taxes are owed. But this isn't for everyone. Questions? I’ll be happy to help!
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focusyou.bsky.social @focusyou.bsky.social · 03/08/2026
Have questions about the differences between traditional and Roth IRA's? Give me a call to decide which one is right for you.
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focusyou.bsky.social @focusyou.bsky.social · 29/07/2026
Creating a will has benefits like minimizing estate taxes or making sure your children are taken care of. But make sure you avoid these 5 common mistakes! 1. Do not write it by hand. 2. Not knowing your state’s laws. 3. Not making revisions. 4. Not creating a living will. 5. Trying to DIY it.
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focusyou.bsky.social @focusyou.bsky.social · 27/07/2026
Most business owners don’t have time to think too far ahead. They’re busy attending to the needs of today: interacting with customers, managing employees, and staying ahead of the competition. If you think there’s a chance you want to sell your business within the next few years, we’re here to help!
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focusyou.bsky.social @focusyou.bsky.social · 24/07/2026
Many people have a goal in mind: retire at 62, make a million dollars, buy a big house, travel around the world. What goals do you have set for your life? Do you have a plan of how to achieve them? Whatever your goals are we are here to put a financial plan in place to help you pursue them.
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focusyou.bsky.social @focusyou.bsky.social · 22/07/2026
Two lessons to teach kids financial independence: Emphasize Long-term goals Help them recognize that disciplined saving will allow them to buy a toy or vehicle they want. Use Teachable Moments If you don't bail them out after blowing an allowance or savings, they'll think before doing it again.
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focusyou.bsky.social @focusyou.bsky.social · 20/07/2026
You could spend years researching the internet's top things you must know in finance. But when it comes down to it, there is really only one big thing you need to be concerned about. Live within your means. What exactly does that mean? Whatever your income, your expenses must remain lower.
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focusyou.bsky.social @focusyou.bsky.social · 17/07/2026
Here are 5 simple rules to help you achieve your investing goals: 📌 Avoid timing the market 📌 Know your risk tolerance 📌 Embrace diversification 📌 Remember your goals 📌 Rebalance as needed Enjoy the journey by following these simple rules and the markets will serve you over the long term.
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focusyou.bsky.social @focusyou.bsky.social · 15/07/2026
Tips to Help Your College Student Build Their Credit - Learn about credit scores, how to check them, what the numbers mean and how they are affected. - Learn how to budget. - When available, set up autopay. - Plan Learning how to be money smart now will serve you well for the rest of your life.
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focusyou.bsky.social @focusyou.bsky.social · 13/07/2026
Here are a few pros and cons to consider before you commit to starting a post-retirement job: PROS Sense of purpose Extra $$ Social activity/health Better health insurance options CONS Less free time Ageism in the workplace Possible impact on social security benefits Risk of higher taxes
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focusyou.bsky.social @focusyou.bsky.social · 10/07/2026
There are certain phrases that have become so pervasive in our culture that we rarely stop to think about what they mean. Many of these sayings contain some very profound lessons that can apply directly to your retirement. Here are some of my favorite bits of retirement wisdom…
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focusyou.bsky.social @focusyou.bsky.social · 08/07/2026
Want to know a hard truth? Very few people can retire comfortably on savings alone. That’s why having a consistent, diversified stream of income is so important. Let’s start the conversation now to ensure your retirement income strategy is designed to meet your needs and goals.
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focusyou.bsky.social @focusyou.bsky.social · 06/07/2026
“Your ability to create the reality that you want is directly determined by your willingness to experience its opposite.” – Unknown Mistakes will happen, setbacks occur but don’t give up! It means you’re learning, growing, and making progress. Acknowledge, accept and celebrate it. You got this.
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focusyou.bsky.social @focusyou.bsky.social · 02/07/2026
It has been my greatest honor as a financial advisor to help so many people find financial independence and help them with their own pursuit of happiness. Wishing you a wonderful Independence Day.
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focusyou.bsky.social @focusyou.bsky.social · 29/06/2026
Did you know there are retirement account alternatives? • Individual Retirement Account • Simplified Employee Pension IRA • Solo 401(k) Plan • Roth IRA • Taxable Investment Accounts I can help you determine which option(s) best suit your individual financial situation and retirement goals.
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focusyou.bsky.social @focusyou.bsky.social · 26/06/2026
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focusyou.bsky.social @focusyou.bsky.social · 24/06/2026
A question I often get is: "When should I start saving for my kid's college fund?" The bottom line is that the sooner you start saving for college, the easier it will be to reach your goal. So, if you're able to start saving now, it may be a smart idea to not put it off any longer.
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focusyou.bsky.social @focusyou.bsky.social · 22/06/2026
I’m grateful for all the good dads in the world. The ones who put their kids first. The ones who teach them how to stretch their wings…so that, one day, they too will take to the air and fly. Hope everyone had a happy Father’s Day!
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focusyou.bsky.social @focusyou.bsky.social · 18/06/2026
Tomorrow, we honor those who never stopped striving for liberty. There is no single way to commemorate Juneteenth but learning more about the history of the day — and sharing what you’ve learned with others — are great places to start. Happy Juneteenth!
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focusyou.bsky.social @focusyou.bsky.social · 15/06/2026
According to the Energy Department the typical family spends more than $1,400 per year on utilities. As we march forward into the summer weather, it’s time to turn on the A/C and shut the windows. Here are some useful tips to keep the heat out and the power bills down this summer.
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focusyou.bsky.social @focusyou.bsky.social · 12/06/2026
Focus on what you can control! So often we spend far too much time and energy worrying about things we can’t change and not enough on what we can and then doing something about it.
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focusyou.bsky.social @focusyou.bsky.social · 10/06/2026
Gone are the days of writing love letters to your romantic interest. With the digital age of technology, romance is increasingly found online. There are also many threats found online, including the threat of romance scammers. The FTC goes over ways to avoid these scams and how to report them
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focusyou.bsky.social @focusyou.bsky.social · 05/06/2026
“You can’t make decisions based on fear and the possibility of what might happen.” -Michelle Obama It is easy to be influenced by media, friends, and other sources. Let us help you if you have any concerns about your current portfolio and we can give you a complimentary portfolio review.
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focusyou.bsky.social @focusyou.bsky.social · 01/06/2026
A client told me that his dream was to own a cabin in Norway. He said I don’t need anything fancy, I just want an escape the hustle of daily life. But I don’t know, that’s just a dream. Dreams are dreams until you put a deadline on it, then it becomes a goal. A goal is something we can work toward.
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focusyou.bsky.social @focusyou.bsky.social · 29/05/2026
You’ve probably heard amazingly generous/heartwarming stories about how individuals paid it forward. Here are 4 suggestions of passing on kindness: - Hold the door for someone. - Teach a skill you know. - Praise someone. - Volunteer. We would do well to pay some of that kindness forward.
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focusyou.bsky.social @focusyou.bsky.social · 27/05/2026
When it comes to retirement, there are things to look forward to – but there are also things to plan for and take precautions against. If you have any of these four top concerns, it’s important to start addressing them now. That way, your retirement will be as stress-free as possible!
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focusyou.bsky.social @focusyou.bsky.social · 21/05/2026
Money issues are a leading cause of divorce. Mismatched financial priorities, high levels of debt, and the inability to work toward a common financial goal all cause marital strife. Hiring a financial advisor who can provide objective, non-emotional counsel may do wonders for your marriage.
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