, ,

Why You Need A HarMoneyous Advisor

“What’s my next move? What should I do first?”

“Am I doing the right thing? Do I really need this?”

“How am I going to stop making this same mistake, over and over again? Who can teach me how to do this the right way?”

Do you find yourself questioning yourself, feeling stuck, and unable to move ahead financially because you simply don’t know what to do or how to do it? Might I suggest working with a CERTIFIED FINANCIAL PLANNERTM Professional? You may be glad you did.

Not all “financial planners” see your entire financial picture. Nor are they certified. When planning for your future, there are several reasons why working with a CFP(r) is a better way to go. Check out the four “E’s” below.

Exam – First of all, a CFP(r) has been trained and tested to the point where they have passed a proctored, two-day exam proving their ability to layer a client’s financial needs in the most beneficial way for the client.

EducationSuccessful CFPs(r) have studied the areas of Investments, Insurance, Tax Planning, Retirement Planning, Employee Benefits, College Planning, and Estate Planning. Although they may not be licensed to practice all the disciplines mentioned, (would you really want to work with a “jack of all trades?”), they have also committed to continuing education on an annual basis. This broad range of understanding is essential in helping you achieve plans that fit like a glove as opposed to those that focus on only one aspect of your life.

ExperienceA prospective CFP(r) Certificant cannot sit for the exam until they have accumulated a minimum of five years’ experience in the financial industry. This speaks volumes. Have you ever wondered how experienced your advisor is? One year of full-time employment is roughly 2,000 hours of experience. Multiply that times 5 and you’ve got a professional with 10,000 hours of experience. The New York Times best-selling author, Malcolm Gladwell, calls that an “expert.” However, I want to point out that they are an expert in their field. Some CFP(r) Professionals are experts in insurance, others investments, others in tax or estate planning. Some of specialize in comprehensive planning, or putting it all together.

Ethics – Most importantly, CFP(r) Professionals also deliver their services within ethical boundaries established by the CFP(r) Board of Standards. CFPs(r) are bound to act as fiduciaries, which in layman’s terms means “Putting their clients’ needs before their own.”

I took my CERTIFIED FINANCIAL PLANNERTM Certificant exam in November 2007 and learned I’d passed it on January 3, 2008. This was the highlight of my career. Having acquired this certificate, working with clients has become more rewarding as I know how to fit the pieces of their financial puzzle together in the most economical and beneficial way. Advising them as to what to do, avoid, and modify is something I do very well and enjoy immensely. I enjoy specializing in comprehensive planning, investments, and insurance. Would you rather have your financial plan fit you like a well-tailored suit, or a hospital gown??

Working with a career insurance agent, Certified Public Accountant, or Estate Planning attorney is desired when putting a financial team together. But only a CERTIFIED FINANCIAL PLANNERTM Professional has been trained, tested, and certified to analyze your entire situation in a way that suits you best.

When it comes to your finances, your money earned and saved, it only makes sense to work with someone who can guide you in fitting those pieces together, advising you on the whole “pie,” so to speak. Taking this approach can save you time, energy, and money so you don’t make decisions based on a single piece of the pie.

Living a HarMoneyousTM life is so important, don’t disregard it out of confusion or fear. I’m here to help you… that’s what I do.

A nice entry

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem.

Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt. Cras dapibus. Vivamus elementum semper nisi. Aenean vulputate eleifend tellus. Aenean leo ligula, porttitor eu, consequat vitae, eleifend ac, enim.

Read more

Change Your Thoughts …Change Your Reality!

Last weekend I received a gift …one that I didn’t see coming. I was attending a conference all about having a “wealthy mind.” As I’m going to be holding these conferences myself, I thought it best I should go for the benefit of my clients.

The laugh was on ME! I sat in the audience thinking, “I’m so beyond this. I teach money, for Pete’s sake. Won’t my clients be happy about this!?!” In hindsight, what a ridiculous thought, laced with hubris, naiveté, and denial. What I learned, I cannot wait to share!
There are four basic steps, so it’s a super easy process. Here we go…

  1. Identify your limiting belief. Think about it. What’s been tripping you up that you can’t shake? Figure out what that is in one simple sentence.
  2. Acknowledge it. This may sound a little crazy, but thank it for whatever useful purpose it provided all this time.
  3. Let it go. Simple as that …let go of that thinking. It doesn’t serve you. It’s limiting your productivity and self-confidence. And you’re capable of so much more without it.
  4. Replace it with a powerful statement. This statement will become the foundation from which you act. Keep it very simple, childlike.

And there you go …super simple, INCREDIBLY EFFECTIVE!
Just so you don’t think I’m crazy or nuts, I’ll share my experience with you.

 

  1. My limiting belief? I don’t deserve money because I’m bad. (Yep …I actually believed that subconsciously.)
  2. How did it serve me? By being less than me, I kept the peace-didn’t lose friends, and my loved ones weren’t angry with me.
  3. I had to let it go!
  4. My new belief? I can be ME and have everything I want.

Now, I’m going to say for the explicit record, I’m not seeking to be rich and dripping in wealth. What I want is to live the life of my dreams, travel, give to my loved ones, church, and other non-profits I love and admire. I want my wealth to change lives and maybe even the world just a little bit.

When I think like that, believe me, I want to make as much money as possible because so much more is possible! Feeding the homeless isn’t free-someone has to pay for the food, delivery system, etc. And if you’re thinking, “Oh, become a non-profit and you can get food for free to distribute, who’s going to pay for the process of becoming a non-profit and the time involved?” Orphanages doesn’t just fall out of the sky with the resources to run them. Shoes don’t get put on the feet of those who need them without someone buying those shoes or distributing them. Money is a necessary tool to changing lives, giving second chances, and making a real difference in the world.
Honestly, I feel empowered to be the best me possible to bring an abundance of money to me so I can take what I NEED now, invest what I need to SECURE my future, and GIVE to make the world a better place.
Change your thoughts …change your reality. HarMoneyTM is just a thought away.

Change Your Thoughts …Change Your Reality!

????????????????????????????

Last weekend I received a gift …one that I didn’t see coming. I was attending a conference all about having a “wealthy mind.” As I’m going to be holding these conferences myself, I thought it best I should go for the benefit of my clients.

The laugh was on ME! I sat in the audience thinking, “I’m so beyond this. I teach money, for Pete’s sake. Won’t my clients be happy about this!?!” In hindsight, what a ridiculous thought, laced with hubris, naiveté, and denial. What I learned, I cannot wait to share!
There are four basic steps, so it’s a super easy process. Here we go…

  1. Identify your limiting belief. Think about it. What’s been tripping you up that you can’t shake? Figure out what that is in one simple sentence.
  2. Acknowledge it. This may sound a little crazy, but thank it for whatever useful purpose it provided all this time.
  3. Let it go. Simple as that …let go of that thinking. It doesn’t serve you. It’s limiting your productivity and self-confidence. And you’re capable of so much more without it.
  4. Replace it with a powerful statement. This statement will become the foundation from which you act. Keep it very simple, childlike.

And there you go …super simple, INCREDIBLY EFFECTIVE!
Just so you don’t think I’m crazy or nuts, I’ll share my experience with you.

 

  1. My limiting belief? I don’t deserve money because I’m bad. (Yep …I actually believed that subconsciously.)
  2. How did it serve me? By being less than me, I kept the peace—didn’t lose friends, and my loved ones weren’t angry with me.
  3. I had to let it go!
  4. My new belief? I can be ME and have everything I want.

Now, I’m going to say for the explicit record, I’m not seeking to be rich and dripping in wealth. What I want is to live the life of my dreams, travel, give to my loved ones, church, and other non-profits I love and admire. I want my wealth to change lives and maybe even the world just a little bit.

When I think like that, believe me, I want to make as much money as possible because so much more is possible! Feeding the homeless isn’t free—someone has to pay for the food, delivery system, etc. And if you’re thinking, “Oh, become a non-profit and you can get food for free to distribute, who’s going to pay for the process of becoming a non-profit and the time involved?” Orphanages doesn’t just fall out of the sky with the resources to run them. Shoes don’t get put on the feet of those who need them without someone buying those shoes or distributing them. Money is a necessary tool to changing lives, giving second chances, and making a real difference in the world.
Honestly, I feel empowered to be the best me possible to bring an abundance of money to me so I can take what I NEED now, invest what I need to SECURE my future, and GIVE to make the world a better place.
Change your thoughts …change your reality. HarMoney™ is just a thought away.
It’s your money, your rules, your way!
Money Savvy Woman, Inc. © 2014