Dollars and Diagrams

Overcoming Anxiousness: The Key to Successful Financial Planning

Financial Planning


You are not alone!

In fact, in nearly every compassion this feeling of anxiousness about the future has been mentioned.

As uncertainty rises, it is important to go back to the basics:

☑ Recognize that you are not alone.

☑ Have an adequate emergency fund.

➜ I often recommend having a minimum of $25,000 if you own a home. 3-6 months of expenses in a savings account can provide tremendous peace of mind.

☑ Have an unwavering investment philosophy.

➜ I recommend keeping five years’ worth of portfolio income in “fixed income.”

For example, if you need $5k/month from your portfolio, I might recommend keeping $300,000 in “fixed income.”

Money you might need in the next five years should not be in the stock market.

If you do not need income from your portfolio, you may not “fixed income” in your portfolio.

➜ I might also suggesting investing the remainder for growth in a buy and hold strategy with a diversified portfolio of companies.

☑ Understand Historic Worst-Case Scenarios

➜ The market drops about 15% per year

➜ The market drops about 35% or more every five years

➜ The S&P 500 [a proxy for the U.S. stock market] worst rolling 30-year return is +7.8%. Not too bad.

☑ Prepare for the “ifs” in life

➜ Life Insurance

➜ Disability Insurance

➜ Long-Term Care

➜ Estate Planning Documents

☑ Have a written, date specific, dollar specific financial plan. It should include how much you should be contributing monthly to fund this plan.

☑ Understand there are things beyond our control. Try to find peace that you have done everything within your control to plan and protect your family’s financial future.

☑ Do not be afraid to ask for help.

If any of your friends or family have financial questions, we are happy to be a sounding board for them.  If they are important to you, they are important to us.


“When everything seems to be going against you, remember that the airplane takes off against the wind, not with it.” – Henry Ford


–Nic & Jeff




Diversification is not a guarantee against loss.


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.

All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

Investing includes risks, including fluctuating prices and loss of principal.​ No strategy assures success or protects against loss.

Fixed income investments such as bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.


College Planning

Disability Insurance

Estate Planning



Life Insurance

Retirement Funding

Roth IRA


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