Swad Wealth Management的动态

Don’t just be a “Go-Getter” — be a “Go-Giver!" Sometimes people ask, “Why do you take potential clients through a two-meeting process, even if they might not work with you?” The answer is simple: I believe in giving value first. A Go-Giver is someone who achieves extraordinary results by focusing on providing value to others rather than solely pursuing their own self-interest . It’s about genuinely helping people, no strings attached. And yes, I’ve been inspired by the phenomenal book The Go-Giver by Bob Burg and John David Mann. Let me explain how our process reflects this philosophy: When someone comes to me wondering: ?? Will I run out of money in retirement? ?? How much can I safely spend in retirement? ?? Am I overpaying taxes? ?? Is my portfolio optimized for retirement? I don’t hold back information. Instead, I take them through our two-meeting Retirement Clarity Process?, which is designed to provide clarity. Whether or not they choose to work with me, they walk away with something incredibly valuable: ? A One-Page Plan ? This plan answers their biggest questions and outlines the key steps they should consider. It’s actionable, easy to understand, and helps them feel confident about their future. Here’s how I see it: Giving value first is like planting seeds in a garden. ?? You invest time and energy into creating something meaningful, and eventually, it grows into something wonderful. You can’t expect a bountiful harvest if you aren’t willing to sow the seeds of trust and generosity first. You know what’s amazing? The majority of people who go through this process decide to work with me. But even if they don’t, I get to walk away knowing I made a difference. I helped someone gain clarity about their retirement and financial future. Focus on planting seeds, not just reaping the rewards. ?? Share your knowledge freely. Educate and empower people. Because when you give value first, you stand out. People see that you genuinely care about them, not just their account balances. Are you ready to gain clarity and confidence about your retirement? If you want a process focused on YOU and your goals → Visit buff.ly/3MZZhO8 to learn more! #gogiver #wealthmanagement #retirementplanning

?? A Story About Retirement Dreams & Planning Ahead ?? Once upon a time, my buddy Tim and I were setting out for a weekend hiking trip in the great outdoors. ??? We had our backpacks loaded with snacks and our favorite water bottles, ready to tackle the trail. As we trekked through the lush green paths, we started talking about our dreams. Tim, like so many of us, expressed his desire to travel the world once he retired. But as we hiked, I saw a hint of worry in his eyes. ?? Tim wasn’t sure if he’d saved enough to make those dreams come true. We’ve all been there, right? That nagging concern about whether we’ve done enough to prepare for the future. I think about it too, especially when I see my kids swimming and laughing, completely carefree. It made me realize: life throws us curveballs, and we need to be smart about saving for our future. ?? Later, as we sat down for lunch by a peaceful creek, I told Tim about a strategy I’d discovered that could help him achieve his dreams. It’s about understanding the new rules around retirement savings—ways to stash away more cash in a tax-friendly way. Tim’s eyes lit up. ? He realized he could keep his dreams alive and enjoy life today. It felt like the time we jumped into a cool lake after a long hike—refreshing and free. And that’s how retirement planning should feel: like a dive into clear, refreshing waters. ?? If you’re also wondering how to secure your retirement dreams without sacrificing the joys of today, drop a “splash time” below, and let’s dive into a conversation. ?? Because the last thing we want is to miss out on our dreams when it matters most. ???? #RetirementPlanning #FinancialSecurity #TravelDreams #SecureFuture #WealthManagement https://lnkd.in/eXeDgKXU

Five exercises that can help you figure out "How to Retire": (Teaser Alert: I'm dropping two and a half today, with the remaining two and a half to be continued in next Friday's newsletter - link to sign up in the comments below!) 1. Write Your Retirement Chapter Consider your life in retirement as a brand new chapter in the story of your life. Where do you live and go? What are you passionate about? What more do you want to learn/see/do that you haven’t been able to yet? Are you a part of new social groups? What do those social groups do and look like? How do you make time for loved ones, friends, and community in this new chapter? If career was important, would you like to continue working on a more flexible basis? Does this mean starting a business? 2. Pick a Date Once you have a bigger and better vision for your retirement, it’s time to pinpoint WHEN you want to start living that dream! I encourage clients to start this process by picking a date based on their dreams and goals in retirement, rather than picking a date based on their financial situation. In other words, start by identifying what retirement age would allow you to accomplish the dreams and goals that are most important to you, instead of picking a date that corresponds to "having *x* amount of dollars in savings. 3. Get Organized The numbers do definitely matter when you start putting plans to pavement, and it's important to note that sometimes the initially chosen date isn't achievable when you begin considering: how much time you have until retirement (to save) and how much time you will then potentially have in retirement (to spend). So why pick a date first? Because motivation matters. Identifying the gap between where you are (today's numbers) and where you want to be can help you identify (maybe for the first time!) the numbers you need in order to execute your dream retirement plan as soon as possible. To figure out the numbers, you'll first need to get organized. --- Every Friday, I post a newsletter focused on how to help you take the next step forward toward your financial goals! If you missed this week's newsletter and want to read the full post, you can check it out here: https://lnkd.in/edzgzSiT

For most people, retirement is like an on-off switch.? But, for many lawyers, it’s much different. Attorneys often see retirement as a dimmer switch. They’ll start slowly by reducing the number of hours they work and then the number of cases they take on, and eventually, they’ll stop working. So, how can having this 'dimmer' option help you get ahead (or catch up) in your savings for retirement? In our recent video in the Happy Rainmakers series, Niraj Chhabra, CFP, MBA, CLTC, CRPC, a Certified Financial Planner at Sidebar Advisors, explains how this retirement flexibility gives attorneys more options and financial autonomy. Here are just a few of the noteworthy tips that Niraj shared: 1. Plan in Advance: Thinking about your retirement well in advance will give you options and autonomy over your finances and lifestyle after retirement.? 2. Diversify Your Taxes: If you wait for all of your money to be taxed on your way out, you’re going to lose a good chunk to the IRS.? 3. Factor In Your Lifestyle: When considering your savings goals, it’s important to factor in your retirement. This will ensure that you have enough to maintain the lifestyle you envisioned when you retire. ?? What kind of lifestyle do you envision for yourself after retirement? And what are you currently doing to set yourself up for it? #Retirement #DesignYourLegacy #HappyRainmakers #HappyRainmaker #AttorneyRetirement #MondayMotivation ##### Hi, I'm Jen. I'm a legal talent agent. I help lawyers become rainmakers and Rainmakers find their exact right perfect fit firm.?

“The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays.“ Retirement is more than just a milestone—it’s a major life transition that impacts everyone differently. Throughout my journey, I’ve seen clients who have meticulously planned for retirement. For them, it's about traveling to new places, diving into hobbies, and spending more time with family and friends. On the flip side, there's also a fear of the unknown. Questions like "Will my savings be sufficient?" or "What if something unexpected happens?" can weigh heavily on the mind. It's natural to feel anxious about transitioning from a steady income to managing finances differently. These concerns highlight the emotional aspect of retirement planning. It's not just about financial figures; it's about addressing these feelings and providing the right guidance. I’d love to hear from you: How are you preparing for retirement? What are your biggest worries about this transition? How are you tackling these concerns in your planning? . . . #RetirementPlanning #FinancialWellness #LifeTransitions #WealthManagement #RetirementJourney #FinancialPlanning #FutureReady #RetirementGoals

?????? ?????? ???????????????? ?????? ?????? ?????????????????? ???????????? ???????? ?????? ?????? ?????????? ???? ???????? ???????????????????? ??????????????? In today's economic climate, it's crucial to have a strategy that can weather any financial challenge. That's why we're diving into the concept of an "all-weather" retirement plan. In this episode of Rich Life Retirement, Bruce Steinbrock and I explore the key components that can help you preserve your savings and maintain your lifestyle, regardless of economic conditions. From inflation-proofing your income to maximizing Social Security benefits, we cover the essential elements of a robust retirement strategy. ?????? ?????????????????? ???????? ???????? ????????: ?? Inflation's Impact: Learn how to adjust your retirement plan to account for rising costs over time. ?? Social Security Optimization: Discover strategies to maximize your benefits and avoid common pitfalls. ?? Tax-Efficient Withdrawals: Understand how to structure your income to manage your tax burden in retirement. ?? Estate Planning Essentials: Explore the importance of having your affairs in order for peace of mind. We are also discussing the value of proactive planning and regular reviews to ensure your strategy remains effective as circumstances change. Retirement planning isn't a "set it and forget it" endeavor – it requires ongoing attention and adjustment. ???????? ???????????? ?????????? Don't leave your retirement to chance. Start building your all-weather strategy now. ?????? ???????????????? ???????????????????? ???????? ???????? ???????? ?????????????? ???? ?????????? The ANSWER ?????????????? @ ??:???? ????! You can catch the show right here: https://lnkd.in/e-AQrEeB ???? ?????? ?????? ???????? ???? ???? ?????????? ???????? ???? ???????? ???? @ ????:???? ????! Out-of-town friends can listen in right here: https://lnkd.in/ePcW_-uR #RetirementByDesign #LiveRich #RichLifeAdvisors #RetirementByDesign #RetirementSuccessStrategy #PersonalizedRetirementPlanningStrategies #RichLifeRetirementShow

Retirement: The Weekend Trap Most People Don't See Coming Here's a quick experiment: grab your phone and Google "What percentage of my income do I need for retirement?" You'll likely find answers suggesting a safe range like 70-80% of your current income. Comforting, right? But as a financial advisor, this common advice always concerns me. Let me tell you, whenever I leave the house, I end up spending more than expected. During the workweek, I am at the office and usually not out spending tons of money. Then comes the weekend. The floodgates open. We're out to lunch, taking the kids to activities, catching a movie, maybe some online shopping (for golf gear, of course). ?My spending spikes when I have free time, and that's okay…for now. But here's the reality that many miss, in retirement, every day becomes a weekend. Without a workday to structure your spending, those "occasional" splurges can become the daily norm. I tell clients this: it's okay to be a kid in a candy shop in retirement, but we need a solid plan to support that lifestyle. Planning to live on 80% of your income may sound like a good rule of thumb, but in reality, it could be the scariest financial decision you ever make. When you Retire, everyday is a weekend!

There's an uncomfortable truth about retirement that financial advisors don't warn you about. It sneaks up on you slowly and it's a realization that will catch you off guard. The irony is that it's probably one of the things you're looking forward to the most, which is exactly why no one prepares you for it. When you retire, for the first time in your life, you don't have anyone telling you what to do. Throughout your life, there is always someone directing your path: - parents, teachers, and coaches shaping your early years - professors and mentors guiding your career choices - bosses and clients driving your daily decisions And you dream of the day you'll be free from all of it, finally able to live life on your own terms. You can't wait to leave behind: - endless performance reviews and quarterly business reviews - conversations about KPIs and optimization - meetings about customer journeys and strategic initiatives - buzzwords like "synergy" and "paradigm shifts" You think you're never going to miss it. And for the first few months, you don't. But then something unexpected happens - you begin to feel bored, unsettled and lost. You think it's just you and that everyone else has it figured out. A few do, but most don't. It doesn't have to be this way. If retirement is on your horizon, take time now to think beyond the financial planning. Figure out how you'll create structure, discover your passions, and build meaningful connections in your next chapter. The freedom in retirement you're dreaming of is there - and it comes alive when you shape it with intention! Ready to design the retirement that inspires you? Message me to learn more about retire&SHIFT, my upcoming workshop designed to help you create a purposeful next chapter. #retirement #retirementplanning (Anthony Albrecht, here's to the TT refugees ??)

Navigating the Transition to Retirement: A New Chapter Begins We recently met with a new client who, at 64, was trying to decide whether to retire now or keep working for a few more years. Based on all her hard work and preparation, our planning process shows she’s MORE than ready for a comfortable retirement. But like many who have spent decades saving, she’s feeling nervous about transitioning from accumulation to decumulation—switching from saving to spending all that hard-earned money. She put it perfectly when she told us, "Talking about someone's money is VERY emotional." And it really is. The day we showed her that she could retire now, there was a flood of emotions. While she had been a DIYer with her finances for years, she came to us because she wanted to be absolutely sure. At Mendel Money Management, we understand that this shift is about more than just the numbers—it’s a psychological and emotional journey. We’re here to provide clarity, confidence, and a plan that reflects your long-term goals and the lifestyle you want to enjoy in retirement. If you’re approaching this transition and feel the weight of it, let’s talk. We’re here to help guide you through it. ?? Schedule a meeting here: https://lnkd.in/eXiGtcWa #RetirementPlanning #FinancialPlanning #WealthManagement #MendelMoney

As we transition into retirement, it’s essential to realize that this new chapter is not solely defined by financial metrics. A fulfilling retirement is a beautiful blend of financial stability, emotional well-being, and aspirational dreams. In my recent article, “Retirement: It's About More Than Just Money,” I explore the key non-financial elements that contribute to happiness in retirement, including: Prosperity: Cultivating a sense of well-being and confidence about your financial situation. People: Building meaningful connections outside of work to enrich your social life. Purpose: Engaging in activities that ignite your passion and provide daily motivation. Health and Wellness: Prioritizing your physical and mental health to fully enjoy this time. These themes are critical for couples and individuals alike as they plan for their futures. If you're interested in exploring these ideas further, read the full article here: https://lnkd.in/gKmzru28 Let’s work together to ensure your retirement is as fulfilling as it is financially sound. Your dreams deserve to become reality. #RetirementPlanning #FinancialWellness #LifeGoals #RetirementHappiness