Client Profiles

Looy Tom & Susan

Tom and Susan came to Financial Celebrations in the spring of this year knowing what they wanted but not knowing how to get there. They shared with Laurie and Betsy that they were considering career changes. Tom planned to begin working as an independent consultant – (emphasis on independent) and Susan was contemplating re-entry into the workforce. They came to Financial Celebrations to get help organizing their investments and developing a realistic retirement plan so they could feel comfortable with their career choices.

They had a variety of concerns. Tom and Susan felt they had too many individual retirement accounts and no focus when it came to the “Big Picture,” they were unsure if they were investing enough to retire at reasonable ages and Susan was unsure if this was the time in her life to re-enter the work force or continue to stay home with their two teenage children. She was also concerned about keeping her job skills current and being able to contribute enough to the retirement strategy so that she and Tom could retire together. Finally, Tom worried how being an entrepreneur would affect the Looys’ retirement goals.

After working with Financial Celebrations, Tom and Susan were grateful to have their investments consolidated. Once they saw the big picture the “Life Plan” provided, they felt confident about the amount they needed to invest in order to retire when they wanted. Although Susan still is uncertain as to whether or not she will re-enter the work force, she feels comfortable taking her time to make the decision. She will continue to watch the success of their investments and adjust her strategy accordingly. Tom now finds comfort in knowing that his new career should not detour them from their retirement goals.

The advice Tom and Susan would share with others considering entrepreneurship and/or re-entering the workforce and are concerned about the affects of those decisions on their families and their retirement goal are twofold. “First, don’t wait to make management of your financial life a priority and secondly, have a strategy. Things don’t happen without a strategy.” And keep the strategy simple!

We have enjoyed working with Tom and Susan and we look forward to regularly reviewing their investments and to help their plan become a reality as they reach the goals they have set for their family and their retirement.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Morgan-Jerry-and-Roberta1

The one thing that caused Jerry and Roberta to feel that they needed to meet with Financial Celebrations was to get their money to work for them at this point in life.

Jerry and Roberta operate Morgan Alarm System Co., Inc. and they work very hard for their money. They knew that during these “mid life” years, they needed to get as much from the dollars that go through their hands as possible.

The one thing they were most uncertain about was being able to trust someone to work with them and their money. They knew they needed assistance and they knew there was so much they really did not know about investing their dollars in today’s market place.

Jerry and Roberta felt their biggest challenge was staying on track with the Dave Ramsey, “Financial Peace University” system. They believed without using the envelope system Dave recommends, they were wasting dollars and they want to take control of that.

What surprised them the most was what an eye opener Dave Ramsey’s Financial Peace University was. Learning to give each dollar that comes into your possession a specific place truly helps to make your money work for you vs. you working for your money. Jerry and Roberta highly recommend going through the Financial Peace University workshop. Their advice would be to keep an open mind when being presented with all your options.

Dave Ramsey is not affiliated with NPC.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Hathaway Les & Sandi

Vacaville, CA, – Les and Sandi Hathaway knew that in order to keep up with inflation they needed to participate in the market. Sandi is excited to retire this month and Les has been retired for five years. They both knew that they had done well in preparing and saving for retirement, but what they weren’t sure about was how inflation could impact their retirement years.

With stories like the “Bernie Madoff scandal” as well a few bad experiences of their own, they were fearful of investing in the market. When their sister, Lisa, talked about the long relationship she has had with Financial Celebrations, Les and Sandi decided to give us a call and see what we had to offer.

Once we ran their plan for retirement and addressed their concerns, Les and Sandi felt much better about retiring, and placing their trust in Laurie and Betsy. There were four things they were mainly concerned about:
1.) Speaking to them in a “language” they could understand
2.) The impact of inflation on their retirement dollars
3.) Acquiring a better knowledge for investing their money for the different time periods in their retirement
4.) Making sure all the pieces of their retirement planning puzzle were in place; (i.e. trusts, life insurance and emergency cash reserves.)

Les and Sandi said that once they saw their retirement strategy and started working on implementing the strategy, they had felt improvement in all these areas of their life. Both shared that if there was one piece of advice they could share with others, it would be that it takes patience and planning to retire. Sandi really wanted to retire five years ago, and by waiting and saving money those last five years, she now feels confident to retire.

We wish them the best in their retirement years!!

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Tillotsons

Not only does the lovely Sandra Karse have some great golf tips, she also has the inside scoop when it comes to financial fitness as Bruce and Nancy Tillotson learned. During the golf lesson, the conversation drifted from birdies and pars to investment and securities. Sandra patiently listened as the Tillotsons shared their frustrations related to scattered investments and being abandoned by the very companies to whom they were giving their hard earned money. They had let these concerns simmer because they weren’t sure when was the right time to move their investments or what fees would be associated with such transactions.

As the Tillotsons spoke, Sandra simply smiled. She recognized the opportunity to share a valuable piece of information. The Tillotsons asked Sandra, “How is it Sandra, that you seem so content about your financial investments”?

Based on what Sandra told them about Financial Celebrations, the Tillotsons knew it was time to consolidate their assets and work with advisors they could trust. Sandra had not only given the ultimate compliment when she referred the Tillotsons to Financial Celebrations; she opened a door for the Tillotsons to learn more about their investments.

When Bruce and Nancy first met with us, they elaborated on the concerns they had shared with Sandra regarding their multiple investments and the advisors they had worked with prior to being introduced to Financial Celebrations. Bruce said, “I knew things in the market place were not going well, but I felt being ignored by our advisors was not in our best interest. Even if the advisors had bad news, we wanted and needed to know how our investments were being affected.”

Bruce and Nancy were impressed by the variety of services Financial Celebrations offers, specifically managing investments, developing estate plans and ensuring adequate life insurance coverage. After having all their questions answered, Bruce & Nancy were excited to consolidate their investments and work with advisors that clearly had the best interest of the client at heart.

We have now enjoyed working with Bruce and Nancy for almost a year. We are so happy to have them as new clients – they are amazing individuals and a true joy to work with. We look forward to assisting them for many years to come.

When asked, “What do you like about working with Financial Celebrations?” Bruce replied, “There are so many advisors in the market place. Learning that Financial Celebrations work “By Referral Only” made us feel comfortable and gave us confidence that our advisors would look out for our best interests and stay in touch with us”. Nancy added, “I appreciate the flexibility and genuine personal input that you give to us. It makes us feel very comfortable and confident that our best interests were being considered.”

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Welch, Marty & Sandy 2013 (534x800) (427x640) (285x276) (2)

When Marty had a belt buckle made in 1981 that read “Retire by March 31, 2006,” he wasn’t joking. After working for Chevron for thirty years, Marty and his wife Sandy decided it was time to start living their lives the way they have always wanted. Marty and Sandy were referred to Financial Celebrations from Attorney At Law Brian S. “We wanted to arrange our investments with someone that had references that we could trust,” explained Marty.

Like so many retirees before them, Marty and Sandy were faced with several decisions to make that would have an impact on how to invest the majority of their life savings. Marty and Sandy were dealing with the question of whether to pay off their home mortgage or not, what changes to their income taxes would be involved when they retire, and how much should they withdraw from their investments over time among many others.

Marty and Sandy began putting their financial team together by meeting with Financial Celebrations, their mortgage lender, and their CPA to get more educated. Marty and Sandy were highly motivated. “My father retired at 55 and passed away at 57, so we were determined to be financially secure at an early age as well as enjoy it along the way,” added Sandy. Marty and Sandy started saving early and often. “We had discretionary savings that we would spend, but we never touched our savings that was set aside for our retirement,” explained Marty. The big question for us was “how do we maintain a similar lifestyle that we currently enjoy without working any longer?”

“The Financial Celebrations Team really took the time to educate us about various types of risk involved with investing so that we could make more informed decisions with our money. As it turned out, I didn’t need more money or another promotion from Chevron. Sandy and I had enough to live on the way we wanted to live already. I feel like this is the first time in my life that I can do what I want to do,” Marty Beamed. Marty and Sandy appreciated the team of Betsy Rogers and Laurie Rosenthal for their efforts in organizing the various forms for their new accounts which made the transition into retirement easier.

What advice do Marty and Sandy have for others thinking of retirement? “Be very careful about having too much of your retirement money in an employer’s stock. Diversify your savings no matter how much you might think you know about the employer stock. When we saw what happened to the employees at Enron, we were determined no to let that happen to us,” concluded Marty and Sandy.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

eichner

We had the great privilege of helping one of our clients achieve the dream we all dream of – retiring from work and starting a new life filled with many hopes and dreams. Not only were we able to help Steve Eichner and Marlene King retire – we were able to give them the great news that they could possibly retire five years early! What an exciting time this has been. Through the financial planning process and securing their new home mortgage we have been fortunate to see what was once a dream for them has become their reality.

Now that Steve and Marlene are settled in their new home in Oregon we had an opportunity to visit with them about their experience and their thought process leading up to their big move.

They shared with us they felt it was time for them to sell their existing home in Vacaville because the home prices were appreciating so quickly and they knew the market would eventually slow down. Since the equity in their home played a significant role in their financial plan they felt it was important to act fast.

Initially, they met with us to analyze some financial scenarios and they realized they could retire in Vacaville, however due to their house payment and cost of living it would require them to tighten their belt a little. They went on to realize they could actually have more disposable income as retirees in Oregon versus Steve continuing to work in Vacaville. This revelation made the decision that much easier.

Steve and Marlene said some of the biggest challenges they faced were, not knowing if they could find a house in their price range so their financial budget would work and the idea of walking away from a 25 year career was a bit unnerving for Steve.

Marlene shared that she felt most confident that their plan of retiring early and obtaining the financing they desired was the day their Vacaville home went into escrow for their asking price.

“The first seven days I had all these fears,” she shared. Steve went on to add that he felt most confident when Financial Celebrations helped with the Mortgage Loan Services and the Eichner-King’s local realtor, Rusty Simmons handled the sale of their Vacaville home. “We wanted to take our team with us to Oregon to help us up there. It’s quite scary working with people you don’t have a relationship with. It left us feeling very vulnerable, unlike the feeling of being cared for which is how we feel working with Financial Celebrations.”

Steve and Marlene’s advice to others is, “be not afraid” and “avoid silly debt.” Steve encourages people to “live conservatively today so that you’ll be positioned to take advantage of opportunities down the road.” They add, “Once you make up your mind to do something – then go for it and don’t be afraid to act fast.” “Get clear on what is driving you and really evaluate how important is working another five years if you don’t have your health or you aren’t able to enjoy your loved ones? This is the American dream to retire at 50 with my health and with Marlene by my side!” Steve joyfully shares.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Terri V

Terri Verduyn was referred to us from “The Estate Plan” who had set up her living trust several years ago. After meeting with Laurie and Betsy the first time, they recommended a full review of her current trust making sure everything was in order. Terri also had some questions about whether or not to list her Trust as beneficiary for certain accounts.

She initially had asked her Human Resources department to help with this and they were not able to answer her questions. After talking with Laurie and Betsy about what she wanted in her Trust and what she wanted to change in her Trust, she felt confident things were taken care of. Laurie and Betsy wanted to do a full financial review with Terri to help make sure her retirement savings plan was in order as well.

Terri would like share with others how good it feels to know your estate planning and financial planning needs are all in order. Seeking the help of people who work with these items on a daily basis like the team at Financial Celebrations. Terri feels her estate planning and financial affairs are now in order and she is relieved.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Mcgrew Hall

After attending the Dave Ramsey “Financial Peace University” (FPU) last fall, Russell and Sara sat down with us to discuss getting their financial situation in order. They are getting married this spring (Congratulations!) and want to be on the same page financially. Dave Ramsey has a gift of pointing out the many areas of our financial lives that need to be worked on. Russell and Sara were excited to get started right away.

After attending the class they realized how much emotion people have associated with their money along with how differently we all relate to money. Just knowing that helped. The biggest lesson Sara learned, from the thirteen week series, “Financial Peace”, was becoming aware of and knowing where every dollar she made went. Dave often mentioned in class “Without a Plan You Plan to FAIL!”

An additional key point they learned from FPU was how much stress could be taken away in a relationship if you have your financial affairs in order. Sara said, “This is a big job and a lot of responsibility and needs to involve both of us.” Setting up an emergency cash reserve, setting aside money every month to save for retirement, and also making sure their life insurance needs are met are big commitments and both parties involved should understand how much is needed for each category as well as “the why” associated with each.

Learning about the Time Value of Money proved interesting as well. Russell and Sara started

tracking how every dollar was spent and what they were spending their money on. They realized, if they took a part of the money they were spending and instead put that money away at this time in their lives, their retirement savings could look quite different 20, 30 and 40 years from today.

The advice that Sara and Russell would share with others is to take the time to go through the 13-week Financial Peace University program. Then sit down and run a full financial analysis that will show you personally how to get to your financial goals. Russell and Sara said, “With the information in the FPU program and after meeting with our trusted representatives at Financial Celebrations, we feel more confident that what we are doing financially is truly the right thing for us to do.”

 

Dave Ramsey is not affiliated with NPC.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Teel, Dudley and Rie

Rie and Dudley Teel were feeling like their investments were stagnant which is what motivated them to proceed with their retirement planning. They had gone to several other financial planners and felt that they weren’t personable and did not follow through. They were most uncertain about retirement. After the real estate market decline, their investment properties made them feel like, “What retirement?” They knew they needed to put money away in retirement type investments as well as keep up their real estate investments up. They just didn’t know where to begin.

The biggest, and most immediate, challenge they felt they were facing was finding a financial planner that they felt comfortable working with. After their first visit with Laurie and Betsy, Rie and Dudley both felt excited because they knew they were on their way to beginning again!

The one thing that most surprised Rie and Dudley was how Financial Celebrations really wanted to get to know about them personally. The one piece of advice that Rie and Dudley would share with others is to follow-up and take action to get the planning started as soon as possible.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.

Code w L and B

Our hearts went out to our friend Pam and her family several years ago when she lost her husband, mom, sister, and mother-in-law all within a very short period of time. Pam was left with assets to manage that would be needed to provide for her for the rest of her life. Pam felt she needed to run a plan that would show her how these assets could provide for her now and in her retirement years, along with how she could help her family members along the way. She felt she had so many challenging and difficult problems to solve during this hard time, and they were all coming at her at once. Quick and accurate decisions had to be made. She knew she needed someone to help her “chew them up and spit them out,” as she would say.

Pam was most uncertain about whether or not she had enough money to retire with. The biggest challenge she felt she was facing, was making sure she had enough assets to take care of herself for the rest of her life and being able to be there for her kids, in case they needed her. She always said that her Mom had always been her safety net and it truly helped her emotionally through life. Pam wanted to “Pass the tradition on” to her kids. She truly was looking for some clarity.

Pam appreciates how we continue to explain to her how her assets are positioned to help her now and in her retirement years. Pam says she will never think like an executive and figure it all out. But, she does trust us to make those decisions so she doesn’t have to “burn her brain.” At this point, she is happy to know that we are looking out for her as best we can.

The advice Pam shares with others that would also like to retire knowing they are keeping enough in their investments for the future so they can ENJOY their retirement, and, still be able to give the gift of giving by helping their families while still here with them, is to find somebody you trust. Listen to everything that is said and absorb whatever you can. Each meeting creates a new understanding and the anxiety of not understanding will begin to subside.

When Pam started working with us, her sister continually asked her what our credentials were and years of experience. Pam had not found us by looking in the phone books. She had found us by word of mouth from friends and family which is very important to her. She told her sister she had already made up her mind about us after the first meeting. She could feel trust, loyalty, experience, comfort, and excellence. That’s all she needed and the bond was forged.

In these times we appreciate Pam, and all of you, so very much. We look forward to seeing you through these tough market conditions. We are here for all of you, too, so you don’t need to “burn your brains” over it either.

 

Note: (i) Profiles from a brokerage client may not be representative of the experience of other clients; (ii) the profile is not indicative of future performance or success; (iii) it is not a paid testimonial. These profiles are provided for informational purposes only and should not be construed as a recommendation of a particular product.