Hindsight is 20/20

Steve Lynch |

How many times have you failed to do something out of fear? Or, talked yourself out of doing something because of it? What do we do when we're afraid? Well, it seems to me that is when one’s survival skill to follow the pack kicks in. When it comes to money, is anyone you’re following doing as well as they should? Given the statistics, I would say that is it an overwhelming NO. In our office, we all have military experience and this means that we, more than anyone, understand that movement is critical to survival. We know that we must do something but what if we are letting fear run these movements? Making movements out of fear often leads us in the opposite direction because if we focus all of our energy on not trying to lose as opposed to trying to win, what do you think the outcome will be? In the financial industry, there are no shortage of investments and certainly no shortage of sales people who wear the mask of an advisor. These individuals are simply pushing a product and an idea which isn’t new or effective. Instead, they end up lining their pockets and leave you wondering “what have I done?” sometime down the road. Even our own government is pushing dream-like retirement solutions and pensions to people who seemingly don’t know better without questioning who is going to pay for all of this? The American economy is strong and resilient. But, it seems more and more that the people are being trapped in a web of lies which is based mostly on people being overwhelmed. We at our office hope that everyone will consult a CERTIFIED FINANCIAL PLANNER™ before making any financial decision even if you don’t use us. This means before you invest in your company’s 401(k), or get a life insurance policy, or try digging yourself out of a debt hole, call a CFP™. We are seeing far too many people fall into costly traps. Don’t get caught with your pants down. You may have options that you probably haven’t even considered. Remember, you aren’t doing this just for yourself. You are doing for your family and anyone else that is counting on you to succeed. Many times, your 800-pound problem can be solved with a 2-pound solution.